Capital One Services, LLC

Michael Bakr Mossoba

Joshua S Edwards

Abdelkader M'Hamed Benkreira

Salik Shah

Sarah Jane Cunningham

Abdelkader Benkreira

Latika Gulati

Sophie Bermudez

Tyler Maiman

Colin Hart

Kaitlin J Newman

Jeffrey Rule

Alexandra Colevas

Wayne David Lutz

Ljubica Chatman

Lara Mossler

Charles Nathan Crank

Kimberly Haynes

Andrew Cogswell

Daniel John Marsch

Jason Ji

Carlos Eduardo Rodriguez

Bryant Alan Yee

Abdelkadar M'Hamed Benkreira

Cruz Vargas

Alexander Lin

Abdelkader M'hamed Benkreira

Mark Rothbaum

Kevin Grant Osborn

Aysu Ezen Can

Austen Novis

Mia Rodriguez

Feng Qiu

Guadalupe Bonilla

Meredith Leigh Critzer

Adam Vukich

Lea Cody

Carrie Norman

Vahid Khanagha

Abdelkadar M'hamed Benkreira

Rajko Ilincic

Lukiih Cuan

Timur Sherif

James M Ashfield

William Carroll

Melissa Yoemans Heng

Gaurang J Bhatt

Max Miracolo

Jerry Wagner

Dan Lin

Daniel Herrington

Robert T Perry

Kyle Rankin Johnson

Kaylyn S Gibilterra

Asher Smith-Rose

Kevan Emmott

Leeyat Bracha Tessler

Abhay Donthi

Matthew Carson

Natasha Mitchko

Sossena Negussie

Abdelkadar M′Hamed Benkreira

Trinity D Moon

Myka Cooper

Lin Ni Lisa Cheng

Mykhaylo Bulgakov

Phoebe Atkins

Lesley Newton

Michelle S Olenoski

Sarvani Kare

Shannon Yogerst

Brian McClanahan

Louis Buell

Cara Weikel

Austin Erickson

Lauren Fox

Alice Hong

Zoe Fisch

Rosa Milani

Ryan Christopher Farber

Ashley Zywusko

Kimberley Tamara Lockett

John E Jones, Iv

Hazar Alsahnawi

Abdelkader M′Hamed Benkreira

Noel Lyles

Abdelkader M Benkreira

Abdelkader M Hamed Benkreira

Abdelkadar M Hamed Benkreira

A device may receive customer data, and store the customer data in a secure memory device of the device. The device may implement a backup mode in which the device utilizes the customer data to authorize requests based on determining that the device lacks a network connection. The device may receive, when the device is in the backup mode, a request for currency that includes authentication information. The device, while in the backup mode, may authorize the request for currency based on comparing the authentication information and the customer data. The device may dispense currency based on a result of comparing the authentication information and the customer data. The device may store transaction data associated with dispensing of the currency to permit the transaction data to be transmitted when the network connection is restored.

Automated teller machines (ATMs) having offline functionality

In some implementations, a device may obtain event data relating to events involving one or more entities and one or more individuals, where the one or more entities are associated with entity categories. The device may determine, based on origin locations of the one or more individuals and locations of the one or more entities, distances between the origin locations of the one or more individuals and the locations of the one or more entities, the distances indicating travel distances of the one or more individuals to perform exchanges in the entity categories associated with the one or more entities. The device may determine, based on the event data and the distances, that a geographic area is associated with an opportunity for an entity category. The device may transmit a notification indicating the opportunity for the entity category in the geographic area.

Machine learning model prediction of an opportunity for an entity category in a geographic area

Disclosed herein are systems and methods for determining whether an automated telephone call has been answered by a particular user, a different person, or a voicemail service. In response to determining that the call has been answered by the user, a different person, or a voicemail service, the systems and methods can output different respective messages, initiate messaging to the user via alternate communication paths, or perform other actions.

Systems for identifying the answering party of an automated voice call

Exemplary systems, methods, and computer-accessible mediums can include, for example, receiving a first location of a user(s) and time information associated with that location, initiating a record for the user(s) based on the location and the time information, receiving a second location of the user(s), where the second location can be in a second bounded area, storing in record, a transaction(s) associated with the user(s) based on the second location, and automatically initiating a single payment for the transaction(s) when the user(s) leaves the first location.

System, method, and computer-accessible medium for geo-fenced zones

Disclosed herein are system, method, and computer program product embodiments for generating an alert to a user for a change between weather conditions. An application can be operated by a processor to perform operations include determining a first weather condition at a geographic location at a first time when a user of the device enters a structure located within the geographic location. In addition, the operations can include, based on information received from the server, predicting a second weather condition at the geographic location at a second time while the user remains in the structure. Afterwards, the operations can include alerting the user for a change between the first and second weather conditions.

Alert a user of a weather change

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

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

Scroll-based automatic field completion is disclosed. A page displayed by a web browser can be monitored for empty fields as the page is scrolled. Automatic fill or completion of the empty field can be triggered in response to a request to scroll down based on the location of the empty field on the page. Automatic completion can involve determining a type of data associated with the field and retrieving user data of the type from a data store. A machine learning model can also be invoked to predict a user's preference for multiple completion options. Further, automatic refill of a completed field with different information can be initiated in response to a scroll up and the location of the field on the page.

Scroll-based automatic field completion

In some implementations, a device may receive, from the gaming program, account information for a card associated with an account of a user. The device may receive, via a user interface provided by the gaming program, customization information associated with the card, wherein the customization information includes at least one of: one or more features supported by the card, or one or more design elements to be included on the card. The device may generate a virtual card, associated with the card, based on the customization information. The device may cause the virtual card to be available for display and to be used to perform exchanges in the gaming program or other gaming programs. The device may transmit information associated with the customization information to cause the card to be manufactured or printed according to the customization information.

Card customization via a gaming console

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

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

Systems and method for providing information about a location with image analysis are described herein. The method can include: retrieving, from a user's device, location information, receiving a digital image of an location captured by a digital camera connected to the user's device, analyzing the digital image to detect an identification feature, determining an identify of the location based on the location information and the identification feature, identifying a capture time of day at which the digital image was captured, determining a median rate of traffic at the establish at the identified capture time of day, calculating information based on the median rate of traffic at the capture time of day, the information related to how crowded the location is at the captured time of day, and providing, by a display on the user's device, the information.

Methods and systems for providing information about a location with image analysis

Systems and methods for verifying digitally secured communications between users are disclosed herein. A first user identifier for a first user may be received. A first blockchain address for the first user based on the first user identifier may be determined. A first non-transferable token corresponding to the first user may be generated. A request for a communication may be received. A target address and a target user identifier may be extracted. Whether the communication metadata matches the token metadata may be determined. A validation status for the communication may be determined.

Systems and methods for verifying cryptographically secured communications between users using non-transferable tokens

Systems and methods of provisioning post-interaction values are disclosed. In one embodiment, an exemplary computer-implemented method may comprise: receiving an interaction session message from a computing terminal, the interaction session message comprising an identifying data of a personal transacting device; defining, based on an interaction session: i) a user-specific context parameter about the user, and ii) a location-specific context parameter about a physical location of the computing terminal; defining post-interaction values based on the user-specific context parameter and the location-specific context parameter; sending the post-interaction values to the computing terminal; instructing the computing terminal to transmit the post-interaction values to the circuitry of the personal transacting device; and sending an instruction to a computing device associated with the user to establish a second session between the personal transacting device and the computing device and transfer the post-interaction values to the computing device.

Computer-based systems configured for post-interaction data provisioning and methods of use thereof

Growing community of inventors

Arlington, VA, United States of America

Michael Bakr Mossoba