Capital One Services, LLC

Capital One Financial Corporation

Mohamed Lafeer

Jeremy Rephlo

Colin Hart

Sarah Calandro

Jesse N Kendrick

Adam R Koeppel

Robert Dean Rowley, Iii

Daniel Lloyd Struble

Nondini A Naqui

James Zarakas

Kevin Patrick Kelly

Molly Elizabeth Johnson

Saleem Ahmed Sangi

Scott V Totman

A system includes a financial data storage that stores internal account data, external account data, and transaction data, a communications interface configured to receive external account data from an external data source and transaction data from a merchant, and a database manager that cooperates with the communications interface to store the external account data and the transaction data. The system also includes an account balance prediction processor configured to identify recurring expense transaction(s) and recurring income transaction(s) and update them based on user input, determine predicted expense transaction(s) and a predictive income using a predictive model, and calculate a predicted account balance. The system also includes a transaction monitor configured to compare one or more actual expense transactions with one or more predicted expense transactions, and an alert transmitter configure to generate and transmit one or more alerts based on the comparison.

System and method for account transaction and balance prediction

A system for initiating and authorizing a transaction including one or more memory devices storing instructions and one or more processors configured to execute the instructions to associate a detectable device with at least one financial account. The one or more processors may be further configured to receive a notification indicating that the detectable device is involved in a potential transaction initiated by a sensor device detecting the detectable device in an initiating action. The one or more processors may be further configured to receive transaction information associated with the potential transaction. The one or more processors may be further configured to identify a customer profile associated with the detectable device, and determine whether the potential transaction is authorized by a customer based on the transaction information and at least one profile customization parameter associated with the customer profile.

Systems and methods for initiating and authorizing transactions using a detectable device

Wireless communication technologies, a dynamic transaction card, and a mobile application may be utilized to facilitate multi-factor authentication and secure electronic checkout of any website. A wireless connection between a dynamic transaction card and a user device may be utilized to authenticate a user. A user device application may be triggered to call, via an application programming interface (API), an account provider system, and this unique pairing may automatically facilitate payment to a merchant system associated with the electronic check out page. The account provider system may send a push notification to a browser extension associated with the checkout page to prompt the browser extension to populate fields on the electronic checkout page using user account information transmitted from the account provider system, providing a novel digital authentication framework that utilizes digital authentication techniques enables by user devices and dynamic transaction cards to seamlessly facilitate electronic checkout.

Smart card secure online checkout

A system for conducting a transaction is disclosed. The system may include one or more memory devices storing instructions and one or more processors configured to execute the instructions to receive information associated with a transaction initiated using a multi-account card. The one or more processors may be further configured to select and employ one of a plurality of transaction accounts to complete the transaction.

Multi-account card

Systems and methods are provided for searching financial data. For example, a device for searching transaction information is disclosed. The device may include interface hardware for receiving and providing information and a memory device for storing instructions. The device may also include one or more hardware processors configured to execute the instructions to receive a user request for information associated with one or more transactions in the form of a search query, transmit the search query to a transaction search engine for identification of one or more concepts from the search query, and receive, from the transaction search engine, responsive transaction data determined based on the one or more concepts identified from the search query. The one or more hardware processors may be further configured to determine a result that satisfies the user request based on the responsive transaction data, and provide the result via the interface hardware.

Systems and methods for searching financial data

A system and a method for account transaction balance prediction for an account held with a financial institution based on past and present account activity. An account balance prediction processor determines a recurring financial transaction based on at least one of: the internal account data, the external account data, and the transaction data. The system calculates a predicted account balance based on the total predicted financial transactions and the predicted income. A transaction monitor receives actual financial transaction data and actual income data, and compares the actual financial transaction data with the predicted financial transaction, and compares the actual income data with the predicted income data. An alert transmitter transmits in real time, an alert. A machine learning processor continuously adjusts calculations of financial transactions and income.

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Fairfax Station, VA, United States of America

Mohamed Lafeer