Capital One Services, LLC

Conduent Business Services, LLC

Palo Alto Research Center Inc.

Makiko Taniguchi

Jason Deperro

Matthew Stern

Dan Makoski

Carl Alexander Cepress

Austin Anderson

Lin Yang

Elwin Ching Yee Ong

Mark Jeffrey Stefik

Francisco Eduardo Torres

Craig Eldershaw

Peter Jarvis

Edward Wu

Sureyya Tarkan

Pai Liu

Elwin Ong

Lu Jia

Alan G Bell

Robert Thomas Krivacic

Sylvia Joan Smullin

Roger Hoover

Ellen Isaacs

Daniel Makoski

Kristian Lyngbaek

Christopher R Dance

Shrenik Devasani

The disclosed embodiments generally relate to transaction card constructions, and particularly, to a two-piece transaction card construction. Disclosed embodiments include a generally planar first card component including a first surface and a generally planar second card component including a second surface wherein the first card component is separate from the second card component. In disclosed embodiments, for example, the generally planar first card component and the generally planar second card component may be configured such that one forms a cavity and the other forms an inlay component configured to be seated within the cavity. In other embodiments the generally planar first card component and the generally planar second card component may be configured such that one forms a container and the other forms a lid configured to close the container.

Two-piece transaction card construction

A server system is provided for analyzing user interaction in an environment. The server system comprises a memory storing a set of instructions and a processor configured to execute the instructions to perform operations including determine a user has interacted with an item positioned in the environment based on a communication signal received from a hub physically located in the environment indicating an item tag associated with the item is linked with a user tag associated with the user. The server system may identify, based on one or more communication signals received from the hub, at least one metric associated with the user's interaction with the item and compare the at least one metric with a set of rules associated with the type of metric. The server system may provide an indication, based on the comparison, to a display device.

Systems and methods for detecting and tracking customer interaction

Systems and methods are provided for activating a function of an account card based on physical devices interactions such as a motion pattern detected by the account card. In some embodiments, the account card may include one or more sensors and processing capabilities sufficient to store a motion pattern, detect a motion pattern representing movement of the account card, compare the detected motion pattern to the stored motion pattern, and activate one or more functions of the account card based on the comparison. In some embodiments, the one or more functions may relate to account information communication, such as writing a magnetic stripe, unblocking a magnetic stripe, activating a near field communication chip, displaying an account number, providing power to an antenna, or otherwise enabling communication of the account number based on the capabilities of the card.

Systems and methods for activating account card functions based on physical device interactions

In one embodiment, a server is provided for providing real-time monitoring of spending limits. The server may include memory storing software instructions, and a processor(s) configured to execute the software instructions to perform operations. The operations may include determining that a user has interacted with a store item in a retail environment. The operations may also include accessing a user profile of the user that includes a savings goal of the user, and determining that purchase of the store item would meet at least one trigger condition associated with the savings goal. The operations may further include generating an analysis of the estimated impact of the purchase to the savings goal, and providing the analysis to a device for display to the user while the user remains within the retail environment.

Systems and methods for providing real-time monitoring of spending limits

A system and method for tagging and integrating event data into operational data with the aid of a digital computer is provided. A plurality of categories of tags are maintained, each of the categories comprising a plurality of tags. A note comprising data about an event from a user is received. One or more of the tags are assigned to the note based on the user and the data. One or more of the tags is received from the user and the note is tagged with the received tags. Operational data comprising workflow data of an objective nature is defined. The note is integrated into the workflow data using the received tags, the assigned tags, and the categories of the received tags and the assigned tags. The workflow data with the integrated note is displayed on a display.

System and method for tagging and integrating event data into operational data with the aid of a digital computer

Growing community of inventors

San Francisco, CA, United States of America

Makiko Taniguchi