Capital One Services, LLC

Kaitlin J Newman

Jeffrey Rule

Colin Hart

Wayne David Lutz

Lara Mossler

Michael Bakr Mossoba

Kevin Grant Osborn

Lea Cody

Sophie Bermudez

Sarah Jane Cunningham

Latika Gulati

Rajko Ilincic

Lesley Newton

Charles Nathan Crank

Andrew Cogswell

Kimberly Haynes

Jason Ji

Abdelkader M'Hamed Benkreira

Joshua S Edwards

Paul Y Moreton

Molly Elizabeth Johnson

Angelina Wu

Emily Smith

Ryan Cuppernull

Francisco Perezleon

Laith Hallaq

Adam Vukich

Daniel Herrington

William Duane

Srinivasa Chigurupati

James M Ashfield

Melissa Yoemans Heng

Ian Prince

Lawrence H Douglas

Timur Sherif

Abdelkader Benkreira

Steve Blanchet

Francisco PerezLeon

George Bergeron

Abdelkader M Benkreira

Various embodiments are directed to overlaying relevant product information in augmented reality via the use of near-field communication (NFC) and a product selection system. A user may authenticate into an application or user profile. Information about the user in the user profile may be used to determine which products are relevant to the user. Information related to the relevant products may then be displayed to the user in augmented reality, which improves at least the overall shopping and in-store experience.

NFC enhanced augmented reality information overlays

Display screen with an animated graphical user interface

A device receives first transaction information associated with a first transaction, and a first transaction account utilized for the first transaction and associated with a first financial institution. The device determines, based on a fraud model, that the first transaction is to be denied due to potential fraud associated with the first transaction account and receives second transaction information associated with a second transaction, and a second transaction account utilized for the second transaction and associated with a second financial institution. The device processes the first transaction information and the second transaction information, with a matching model, to determine whether the first transaction information matches the second transaction information and determines that the first transaction was incorrectly denied when the first transaction information matches the second transaction information within a predetermined threshold. The device performs one or more actions based on determining that the first transaction was incorrectly denied.

Updating a machine learning fraud model based on third party transaction information

A server can receive a plurality of records at a databases such that each record is associated with a phone call and includes at least one request generated based on a transcript of the phone call. The server can generate a training dataset based on the plurality of records. The server can further train a binary classification model using the training dataset. Next, the server can receive a live transcript of a phone call in progress. The server can generate at least one live request based on the live transcript using a natural language processing module of the server. The server can provide the at least one live request to the binary classification model as input to generate a prediction. Lastly, the server can transmit the prediction to an entity receiving the phone call in progress. The prediction can cause a transfer of the call to a chatbot.

Machine learning dataset generation using a natural language processing technique

Display screen with animated graphical user interface for card communication

A card having an antenna, one or processors, and memory having stored thereon a first application and a second application configured to receive an input of the card and determine a request associated with the input. The card is further configured to activate, responsive to determining that the request is consistent with a contactless EuroPay-MasterCard-Visa (EMV) data standard, the first application. The first application is configured to communicate, via near field communication (NFC), data to the communicating device via the antenna based on the EMV data standard for payment purposes. The card is further configured to activate, responsive to determining that the request is consistent with a near field communication data exchange format (NDEF) standard, the second application. The second application is configured to communicate, via NFC, data to the communicating device via the antenna based on the NDEF standard for verification/identification purposes.

Devices and methods for selective contactless communication

Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.

Systems and methods for cryptographic authentication of contactless cards

A device receives a transaction request concerning a transaction and a transaction card from a transaction terminal, and determines, based on the transaction request, information concerning the transaction card. The device sends, based on the transaction request and to a user device, a query concerning possession of the transaction card by a user of the user device, where the query includes an instruction for the user to confirm possession of the transaction card via a component of the user device. The device receives, from the user device and after sending the query to the user device, a response concerning possession of the transaction card by the user, and determines, based on the response and the information concerning the transaction card, whether the user has possession of the transaction card. The device performs, based on determining whether the user has possession of the transaction card, at least one action.

Determining whether a user has possession of a transaction card and/or whether the user is authorized to possess the transaction card

Systems and methods for message presentation using contactless cards

Systems and methods for user information management using contactless cards

Systems and methods for performing transactions with contactless cards

Systems and methods for user authorization and access to services using contactless cards

Growing community of inventors

Washington, DC, United States of America

Kaitlin J Newman