Capital One Services, LLC

Meghnath Sharma

Ryan G Fox

Jonathan Weimer

Charles W Hall

Vivek Bharatam

Parvez Naqvi

Dinanath Nadkarni

In some implementations, a device may identify an account associated with a user, and the account may be managed by an entity. The device may determine, using at least one machine learning model, a classification of the user that indicates a level of quality of a relationship between the user and the entity. The device may determine, based on the classification determined using the at least one machine learning model, one or more adjustments that are to be applied to one or more charges assessed to the account by the entity. The device may apply the one or more adjustments to the one or more charges.

Utilizing machine learning models to characterize a relationship between a user and an entity

Systems and methods are provided for authenticating an identity of a user requesting a resource or service from an entity. In some embodiments, a system may include at least one processor; and a non-transitory medium containing instructions that cause the system to perform operations. The operations may include receiving credential information associated with the remote user, and receiving, from the server associated with the entity, first hash information. The operations may also include generating second hash information based on information associated with the user, comparing the first hash information with the second hash information, and transmitting an indication based on the comparison to the server associated with the entity.

Systems and methods for secure remote identity verification

Various embodiments are generally directed to an identity proofing platform. The platform may receive, from a user, personally identifiable information (PII) related to a consumer and determine one or more verifications requested by the user. The verifications may be one or more of a government identification (ID) verification, a credit bureau verification, or a mobile network operator verification. The platform may send a SMS message to the consumer for consent approval and receive consent from the consumer. The platform may perform the one or more verifications, generate an identity proofing result based on the performed one or more verifications, encrypt the identity proofing result, and send the identity proofing result to the user.

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Chantilly, VA, United States of America

Meghnath Sharma