Capital One Services, LLC

Sun Microsystems, Inc.

Oracle America, Inc.

Kevin Grant Osborn

Jeffrey Rule

Srinivasa Chigurupati

David Kelly Wurmfeld

Wayne David Lutz

James M Ashfield

Tyler Maiman

Colin Hart

Kaitlin J Newman

Daniel Herrington

William Duane

Joshua S Edwards

Paul Y Moreton

Bryant Alan Yee

Rajko Ilincic

Saleem Ahmed Sangi

Daniel John Marsch

Lara Mossler

Samuel Rapowitz

James Zarakas

Timur Sherif

Xiaoguang Zhu

Lin Ni Lisa Cheng

Melissa Yoemans Heng

Michael Bakr Mossoba

George Bergeron

Latika Gulati

Brian Lee

David Gabriele

Kyle Rankin Johnson

William Carroll

Eric Loucks

Sophie Bermudez

Sarah Jane Cunningham

Kevan Emmott

Charles Nathan Crank

Kimberly Haynes

Andrew Cogswell

Anita Eradla

Francis Ogbennah

Ian Prince

Jason Ji

Christopher Jay Wu

Kyle T Grucci

Ryan S O'Connell

Austin Erickson

Matthew Kloster

Tao Lin

Tyler Sylvain Locke

Kevin Patrick Kelly

Steve Blanchet

Dennis S Brennan

Samuel Edwards

Imren Johar

Jeff Pharr

Cara Weikel

Michael Wolf

Elisa-Michelle Rodriguez

Lance J Andersen

Matt J Oliver

Asher Smith-Rose

Andrea Montealegre

Vladimir Matena

Mark W Hapner

Kathryn Tikoian

Jackson Macomber

Mia Rodriguez

Brian McClanahan

Vincent Ngo

Andrew Marr

Bob Uni Koshy

Ryan K Lubke

Hans Hrasna

Wendy Wu

Shelton Smith

Jaikishan Prasad

Jose Catala Castellar

Mark C Dupuis

Kyle Johnson

Systems and methods of providing multimodal ATM accessibility are disclosed. In one embodiment, an exemplary computer-implemented method may comprise detecting a presence of a wireless device of a user in proximity to the ATM; establishing a communication session between the ATM and the wireless device based on a session key; instructing an app to provide a first graphical user interface (GUI) to the user; authenticating the user for access to the user account at the wireless device based at least on the entered account login information; and commencing, in response to successful authentication of the user, an ATM transaction session for the user by instructing the app to provide a second GUI to the user at the wireless device, the second GUI comprising one or more GUI elements operable by the user to perform one or more ATM transactions with the user account at the wireless device.

Computer-based systems configured to provide multimodal ATM access via mobile devices and methods of use thereof

Systems, methods, and apparatuses are described herein for performing sentiment analysis on electronic communications relating to one or more image-based communications methods, such as emoji. Message data may be received. The message data may correspond to a message that is intended to be sent but has not yet been sent to an application. Using a first machine learning model, one or more subsets of the plurality of emoji may be determined. The one or more subsets of the plurality of emoji may comprise one or more different types and quantities of emoji, and may each correspond to the same or a different sentiment. Using a second machine learning model, one or more emojis may be selected from the one or more subsets. The one or more emojis selected may correspond to responses to the message.

Response prediction for electronic communications

A computer-implemented method includes detecting a communication session established between a first computing device of a first user and a second computing device of a second user; generating session identification information for the communication session; detecting a triggering condition during the communication session to verify an identity of the first user; causing the second computing device to instruct the first user to interact a smart transaction card with the first computing device such that a one-time data item is transmitted from the smart transaction card to an application executing on the first computing device, the one-time data item dynamically generated by the smart transaction card, where the first user is authenticated via the application based at least in part on the level of authentication and the one-time data item; generating a verification token for the communication session, the authentication result stored in association with the session information.

Computer-based systems and/or computing devices programmed for role-based authentication during customer service sessions; and methods of use thereof

A contactless card with power harvesting unit is described. The power harvesting unit is configured to harvest power from near field communication radio wave fields and supply power to a memory, processor, and communication circuit of the contactless card. In some embodiments, the contactless card may also include a capacitor for smoothing out power deliver or a rechargeable battery. The contactless card is configured to establish two-way communication with a secondary device and to store and execute applets. In some embodiments, the contactless card is a payment card which contains information associated with a primary profile and a secondary profile. The secondary profile may be activated using two-way communication if the primary profile is deactivated due to fraudulent activity.

Using the NFC field from a phone to power card to phone bluetooth communications

Methods and systems are described here for porting accounts to multiple computing platforms. Blockchain technology may be used and in particular cryptographic tokens (e.g., non-fungible tokens) may be used. A cryptographic token may represent a user account and may enable usage of the cryptographic token to provide portability of the user account. An access control system may be used to perform operations described herein. The access control system may receive a request for using, at a computing platform, an account of the user. The request may include an identifier of a cryptographic token. The access control system may determine, based on the cryptographic token, that access to the user account may be permitted and the request may be fulfilled.

Managing user data for different platforms

Methods and systems are described herein for an access control system that may receive, from a device associated with a cryptography-based storage application, a blockchain operation request. The blockchain operation request may include an identifier of a cryptographic token (e.g., non-fungible token) that may store encrypted verification data encrypted using a public key associated with the cryptography-based storage application. The access control system may use an address associated with the cryptography-based storage application to send the verification data so that the verification data is decrypted and a first encoding of the decrypted data is generated by the device associated with the cryptography-based storage application. The access control system may then compare that first encoding with a second encoding made from the original verification data, and, based on the first encoding matching the second encoding, generate an authentication confirmation.

Sharing and requesting private data using cryptography

Systems and methods, as described herein, relate to increasing the functionality and security of digital wallets. These methods, techniques, and infrastructure may use hardware security modules (HSMs) to manage a plurality of cryptocurrency wallets in a custodial capacity. The HSMs may have functionality incorporated therein improve the functionality and security of cryptocurrency wallets. The aspects discussed herein may also relate to methods, techniques, and infrastructure to securely manage signing keys and cryptocurrency addresses contained in cryptocurrency wallets for a plurality of accounts that may be associated with a user account or user account identifier without exposing the keys to being stolen or otherwise comprised.

Custodial digital wallet management systems

Aspects described herein relate to methods, systems, and apparatuses that infer which items were purchased in a transaction based on correlating a transaction record for the purchase, such as credit card receipt, with browsing records received from multiple users of vendor websites that identify individual costs of items.

Line item transaction inference using merchant data and website interaction

Systems and methods are directed to optimizing a security and recoverability trade-off generally associated with cryptocurrency master key storage. Exemplary embodiments provide a biometrically derived cryptographic seed using a measurement of one or more scale invariant biometric attributes associated with a user. The measured user biometric data is then processed into a repeatable biometric identifier and formatted into a (biometric) cryptographic seed, for derivation of a master extended private key, which may be stored in an HD wallet or used dynamically to conduct a blockchain transaction. The biometric seed and master key generation process may be facilitated by a mobile application responsive to a readout of biometric data from sensors integrated/associated with the mobile device. The captured biometric data may be cryptographically combined with a user-inputted password and/or an authentication data record wirelessly retrieved from an OTP card, to generate a cryptographic seed with greater security attributes.

Systems and methods for creating seed and master keys for blockchain wallets from user biometrics

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

In some embodiments, the present disclosure provides an exemplary method that may include steps of determining an identity of at least one user of a plurality of users based on a multi-factor authentication; utilizing an identity tokenizer to generate at least one temporary identity token associated with the identity of the user; transmitting the at least one temporary identity token to an external computing device for authentication; receiving an authenticated digital token from the external computing device; automatically utilizing the authenticated digital token to retrieve a plurality of data items of an account information; utilizing a security module to link the authenticated digital token and the plurality of data items; generating a unique-universal identifier associated with the security module and the authenticated digital token; and utilizing the unique-universal identifier and the security module associated with the authenticated digital token.

Computer-based systems configured to dynamically generate authentication steps to perform at least one action and methods of use thereof

Disclosed herein are system, method, and computer program product embodiments for signing a document by generating a hash value using a smart card. The smart card can receive from a computing device a first hash value generated for the document based on a first hash function, determine a private key based on a private key information stored on the smart card, sign the first hash value by generating a second hash value based on the first hash value using a second hash function and the private key. The second hash value is to authenticate that the second hash value is generated by the smart card based on the first hash value and the private key. The smart card can further assemble a signature package including the second hash value, and transmit the signature package to the computing device.

Secure smart card signing digital documents and validation

Disclosed embodiments include aspects that relate to authentication of contactless interactions. Identifying information can be provided from multiple sources. A chip-embedded card can be registered to an individual and include identifying information associated with the information. During a contactless transaction, identifying information can be acquired. An individual's identity can be validated based on identifying information. A chip-embedded card can be read by a card reader at a particular location providing physical presence information. In one instance, identifying information from the chip-embedded card can be compared to other identifying information to determine whether there is a match or mismatch. A confidence score can be computed based on the amount and type of information provided. An individual's identity can be validated when the confidence score satisfies a threshold.

Authentication of contactless transactions

Logic may provide enforce a rate limit for product offers and generate a product token associated for product authentication. Logic may determine a rate limit associated with the product based on an identity of the consumer in a cryptogram for a transaction. Logic may compare the rate limit with a quantity of purchases of the product with a payment instrument provided for payment for the transaction, the rate limit to limit purchases of the product via the payment instrument or by the consumer associated with the payment instrument. Logic may approve the transaction based on comparison of the rate limit in response to the rate limit being greater than purchases of the product. Logic may create a product token via the cryptogram, the product token encoded via the cryptogram, the product token to uniquely identify the product and logic may cause transmission of the product token to the consumer.

Methods and arrangements for proof of purchase

Methods and systems are described herein for using cryptographic tokens that represent real-world items to enable those items to be used in different virtual worlds (e.g., game worlds). In particular, an object retrieval system may be used to retrieve a cryptographic token that encodes parameter data for an object to be used (e.g., displayed) within a plurality of computing platforms. The object retrieval system may determine (e.g., using a cryptographic signature) that the user is allowed to use the object and may then generate a set of parameters for representing the object with the particular computing platform requesting the object. The object retrieval system may then transmit the parameters to the requesting platform. The object retrieval system may perform the same operations for requests from other platforms, such that the object retrieval system may uniquely encode the parameters for the particular platforms.

Using virtual objects on different platforms

Growing community of inventors

Newton Highlands, MA, United States of America

Kevin Grant Osborn