Capital One Services, LLC

Other

Sierra Nevada Corporation

Joshua S Edwards

Michael Bakr Mossoba

Abdelkader M'Hamed Benkreira

Tyler Maiman

Adam Vukich

Samuel Rapowitz

Viraj Chaudhary

David Septimus

David Gabriele

Jenny Melendez

Vu Nguyen

Ljubica Chatman

Lin Ni Lisa Cheng

Jonatan Yucra Rodriguez

Abdelkader Benkreira

Shabnam Kousha

Jason Ji

Mykhaylo Bulgakov

Alexandra Colevas

Lukiih Cuan

Asher Smith-Rose

Eric Loucks

George Bergeron

Andrea Montealegre

Salik Shah

Kevin Grant Osborn

Colin Hart

Alexander Lin

Daniel Miller

Max Miracolo

Daniel John Marsch

Vyjayanthi Vadrevu

Abdelkadar M'Hamed Benkreira

Kaitlin J Newman

Bryant Alan Yee

Daniel E Miller

Phoebe Atkins

Carlos Eduardo Rodriguez

Molly Elizabeth Johnson

Angelina Wu

Cruz Vargas

Jiawei Zhao

Mia Rodriguez

Rajko Ilincic

Latika Gulati

Francisco Perezleon

Carrie Norman

Sarah Jane Cunningham

Kyle Rankin Johnson

Aysu Ezen Can

William Carroll

Gaurang J Bhatt

Jennifer Kwok

Tania Cruz Morales

Kathryn Tikoian

Abdelkader M'hamed Benkreira

Brian McClanahan

Feng Qiu

Guadalupe Bonilla

Meredith Leigh Critzer

Abhay Donthi

Mohammad Shami

Brian Lee

Mark Rothbaum

Vahid Khanagha

Jason Zwierzynski

Sara Rose Brodsky

Bogdan Nedanov

Conor Anstett

Daniel Herrington

Sophie Bermudez

Austen Novis

Michael Saia

Jerry Wagner

Jacob Learned

James Zarakas

Kevan Emmott

Matthew Carson

Dan Lin

Eric Medin

Abdelkadar M′Hamed Benkreira

Sossena Negussie

Francisco PerezLeon

Jonathan Bodner

Sarvani Kare

Shaun Webb

Louis Buell

Purva Shanker

Nathan Wolfe

Peter Fischer

Haytham Yaghi

Marcelo Jabif Epsztejn

Alexander Mireles

Samuel Yip

Andrew Feldkamp

Nelson Rodriguez

Noel Lyles

Lauren Fox

Alice Hong

A device may obtain a notification that a transaction occurred, where the transaction is associated with a financial account of a user, and a merchant. The device may determine that the merchant is associated with providing confirmation messages for transactions, and may process, based on determining that the merchant is associated with providing confirmation messages, one or more messages in a messaging account associated with the user to determine whether the messaging account includes a confirmation message associated with the transaction. The device may determine that the messaging account does not include any confirmation message associated with the transaction, may determine a likelihood that the transaction was unauthorized based on the messaging account not including a confirmation message, and may perform an action associated with the financial account of the user based on the likelihood that the transaction was unauthorized.

Fraud detection based on an analysis of messages in a messaging account

Methods, systems, and apparatuses are described herein for improving the security of personal information by preventing attempts at gleaning personal information from authentication questions. A computing device may receive a request for access to an account associated with a user. The request may comprise candidate authentication information. Based on comparing the candidate authentication information with the account data, the computing device may generate a synthetic authentication question. The synthetic authentication question may be generated as if the candidate authentication information is valid. A response to the synthetic authentication question may be received, and the request for access to the account may be denied.

Preventing unauthorized access to personal data during authentication processes

In some embodiments, the present disclosure provides an exemplary method that may include steps of obtaining, a permission from each user to monitor a plurality of activities; continually receiving monitoring data of the plurality of activities; identifying a plurality of related incoming interaction sessions within the predetermined period of time; automatically verifying at least one common session parameter; utilizing a machine learning algorithm to determine at least one transaction; determining a plurality of fraudulent transactional rules; automatically adjusting the plurality of fraudulent transactional rules; utilizing a natural language processing algorithm to automatically generate at least one interaction notification; receiving a response to the interactive notification; and automatically updating the database of known session interaction parameters based on the response to the interactive notification.

Computer-based systems configured to generate an interactive communication for a plurality of the repetitive interaction sessions and methods of use thereof

In some embodiments, the present disclosure provides an exemplary method that may include steps of monitoring, a conversation script between a call center agent and a customer; utilizing, a speech-to-text deep machine learning model to transcribe the audio call to text; utilizing, a natural language processing deep machine learning model to map intent mappings of the audio call; utilizing, a similarity measurement model to determine a semantic similarity between predefined intent mappings and the intent mappings of the call audio text; determining, an error based on the semantic similarity in the intent mapping call audio text; determining a training session based on the error.

Computer-based systems configured to monitor a communication session and generate a training session and methods of use thereof

In some implementations, a system may capture audio from a call between a calling device and a called device. The system may filter the captured audio to generate a background audio layer. The system may generate an audio footprint that is a representation of sound in the background audio layer. The system may determine that the audio footprint includes a triggering sound footprint based on one or more audio characteristics of the audio footprint. The system may detect synthetic sound based on the audio footprint and after determining that the audio footprint includes the triggering sound footprint, wherein the synthetic sound is indicative of a sound recording. The system may transmit a notification to one or more devices associated with the call based on detecting the synthetic sound.

Detecting synthetic sounds in call audio

A method for executing actions based on event data using machine learning is disclosed. The method comprises: receiving occasion data associated with a user; analyzing, using a trained machine learning model, the occasion data to identify an occasion associated with a first classification, wherein the trained machine learning model has been trained based on (i) training occasion data that includes information regarding one or more occasions associated with the training occasion data and (ii) training classification data that includes a prior classification for each of the occasions, to learn relationships between the training occasion data and the training classification data, such that the trained machine learning model is configured to use the learned relationships to identify an occasion associated with a first classification in response to input of the occasion data; determining an action based on the occasion associated with the first classification; and automatically executing the action.

Systems and methods for machine learning based execution of actions based on calendar event data

In some embodiments, validation of network operations related to use of a token via a token request based on entity characteristics may be facilitated. In some embodiments, a token request indicating use of a token to access an item associated with an entity may be detected, where the token is bound to one or more entity characteristics. Based on the token request, an entity identifier associated with the entity may be obtained. Using the entity identifier, one or more item characteristics of items available via the entity may be determined. Determining whether the entity satisfies the one or more entity characteristic to which the token is bound may be determined based on the one or more item characteristics. Access to the item associated with the entity may be validated based on the determination indicating that the entity satisfies the one or more entity characteristics to which the token is bound.

Systems and methods for validating network operations related to use of a token via a token request based on entity characteristics

Various embodiments described herein are generally directed to techniques for managing fraud rules and generating authentication directions according to location data from one or more client devices. Embodiments may include using a payment server informed by a client device application to manage and/or apply fraud rules for transactions. In embodiments, fraud rules may be managed based on location data provided by a client device application and/or location data associated with at least one transaction system. In some embodiments, fraud rules may be managed based on location data provided by multiple client device applications and/or location data associated with at least one transaction system. In some embodiments, rules may be managed for an individual authorization request according to information from at least one client device application and location data for a transaction system associated with the authorization request.

Methods for enhancing transaction authorizations with device location data

Systems and methods for detecting and repairing loss of a primary digital communication channel may include a server and a user device. The server may be configured to send a push notification to an application of the user device over a network, receive, in response to the sending of the push notification, push notification status data, apply a predictive model to determine whether the primary digital communication channel has failed based on the push notification and the push notification status data; and transmit, upon a determination that the primary digital communication channel has failed, a communication to the user over one or more alternative digital communication channels.

Systems and methods to determine the loss of ability to notify customer through mobile app and prompt re-download

A payment instrument comprising a bottom layer; one or more intermediate layers, wherein at least one of the one or more intermediate layers comprises: a chip comprising a processor and memory; an antenna coupled with the chip; an absorbent medium; and one or more reservoirs comprising beads, each of the beads comprising dyes of one or more colors, the beads configured to release the dyes onto the absorption medium. The dyes cure on the absorption medium at a rate based on a curing agent applied to the absorbent medium or included in beads of the reservoirs. The payment instrument may also comprise a top layer having at least a partially translucent portion above the absorption medium, wherein the absorption medium is at least partially visible through the at least one partially translucent portion.

Methods and arrangements for a payment instrument with a unique design

A computing system determines that a third party system has been exposed to a digital security violation. The computing system identifies a first user account of a user registered with the computing system that has a corresponding account associated with the third party system. The computing system determines that the first user account has stored a first set of user credentials for the corresponding account associated with the third party system at a storage location accessible by the computing system. The computing system launches a series of web browsers configured to access a first website associated with the third party system. The computing system executes, via a first web browser of the series of web browsers, a first automated script specific to the first website associated with the third party system. The computing system performs at least one of a plurality of remedial operations with respect to the corresponding account.

Digital security violation system

In some implementations, a device may receive a request to generate a virtual credential associated with an account of a user. The device may transmit an indication of the virtual credential, wherein the virtual credential is to be transmitted by a wearable device. The device may communicate, with the wearable device, to identify a usage status of the wearable device, wherein the usage status indicates whether the wearable device is being worn by the user. The device may perform an action, to secure the virtual credential based on communicating with the wearable device and based on the usage status, including: maintaining, by the device, a validity of the virtual credential based on the usage status indicating that the wearable device is being worn by the user; or invalidating, by the device, the virtual credential based on the usage status indicating that the wearable device has been removed from the user.

Enhanced credential security based on a usage status of a wearable device

A device receives, from a user device, a request to generate a verification code for a transaction associated with a user of the user device, and receives user profile information associated with a transaction card to be used for the transaction. The device generates a random verification code for the transaction based on the request and the user profile information, and authenticates the random verification code, based on the user profile information, to generate an authenticated random verification code. The device provides the authenticated random verification code to the user device, and receives transaction information, including the authenticated random verification code, from a merchant device associated with the transaction. The device validates the transaction based on the transaction information, and provides, to the merchant device associated with the transaction, information indicating that the transaction is validated.

Generating a random verification code for a transaction

The innovation disclosed, in one aspect thereof, comprises systems and methods of a browser extension for product quality. Online shopping by a user can be monitored on a browser by a browser extension or integrated application with the browser. A potential purchase of a product is detected by the integrated application. The product is identified via analysis of a web page and cross reference to known products. The integrated application retrieves warranty claims data from an accessible warranty database. The warranty claims data is analyzed to determine a recommendation of the product. The integrated application presents the recommendation via the browser as an alert to the user.

Method, system, and non-transitory computer readable storage medium for a browser extension for product quality

Methods, systems, and apparatuses are described herein for improving computer authentication processes through the exclusion of certain merchants that may cause confusion. Indications of a plurality of different merchants, including merchant logos may be received. The indications may be processed to identify at least one similarity between a first merchant and a second merchant. A request for access to an account associated with a user and transaction data corresponding to the account may be received. Based on the similarity between the first merchant and the second merchant, at least one transaction corresponding to the first merchant may be removed to generate processed transaction record. An authentication question may be generated and a candidate response to the authentication question may be received. Based on the candidate response, access to the account may be provided.

Account authentication excluding merchants based on merchant logos

Growing community of inventors

McLean, VA, United States of America

Joshua S Edwards