Capital One Services, LLC

Capital One Financial Corporation

Moreton, Paul Y.

Arora, Kunal

Poole, Thomas S.

De Ganon, Matthew

Trivedi, Dwij

Thomas S Poole

Paul Y Moreton

Matthew Guy De Ganon

Lawrence H Douglas

Janusz Michael Niczyporuk

Luke A Hammock

Dwij Trivedi

Kunal Arora

Drew Jacobs

Kaleen Love

David E Keating

Thomas Christopher Clarke

Daniel Kahn

Saejin Choi

Hannes Mikael Jouhikainen

Katherine H McHugh

Jason Deperro

Apurva Shah

Jeffrey Rule

James M Ashfield

Taurean Butler

Hutch Douglas

Jennifer Lopez

John Fields

Justin Anthony Bowers

Matthew R Brolund

Anthony Swider, Iii

Anthony Swider

Christopher Clarke

John Elasic

Paul Young Moreton

Drew Cogswell

Justin Bowers

Kate McHugh

Systems and methods are provided for purchasing merchandise items at a desired purchase price. In accordance with certain embodiments, systems and methods are provided for specifying a desired purchase price for a merchandise item. Embodiments of the present disclosure may also provide systems and methods for completing purchases of the merchandise item when the purchase price of the merchandise item is less than or equal to the desired purchase price. Other embodiments of the present disclosure may also provide systems and methods to determine and/or adjust the purchase price for a merchandise item and notify the customer when the adjusted purchase price is less than or equal to the desired purchase price.

Systems and methods for location sensing to facilitate best pricing options

Systems and methods are provided for managing electronic tokens associated with an account. A system may include a memory storing instructions and account information associated with an account, and a processor configured to executed the stored instructions to: access information associated with one or more electronic tokens associated with the account, wherein the information includes one or more token settings, receive, via a network, information for a transaction request including a first token; analyze the received information to determine whether at least one rule in the one or more token settings is violated, responsive to a determination that at least one rule is violated, transmit an indication that the transaction request is denied, and responsive to a determination that no rules are violated, detokenize the transaction request.

Systems and methods for managing electronic transactions using electronic tokens and tokenized vehicles

A system and method include a kiosk processor, a device kiosk on a customer mobile device, which displays via a user interface, content and options for the customer from a third party customer service system, a customer interaction channel that receives, via an associated customer interaction network, a request to access the third party customer service system, an authentication module associated with the kiosk processor that receives customer data and customer input associated with an authentication request to authenticate the customer, identifies a customer mobile device based on device identifiers, and evaluates risk factors associated with the customer mobile device, and a communication interface associated with the kiosk processor, that transmits, via a push notification gateway, a push notification to the device kiosk on the customer mobile device that establishes, via the network, a secure connection between the customer mobile device and the third party customer service system.

System and method for a kiosk in the mobile OS

The disclosed embodiments include methods, systems, and articles of manufacture for providing offers for merchant accounts. The disclosed embodiments include, for example, a system for providing offers for accounts associated with a merchant. The system may be configured to receive a product identifier from a consumer, the product identifier identifying a product available from a merchant. The system may also determine whether the consumer has a current financial service account associated with the merchant. Further, the system may determine one or more incentives to offer the consumer, the one or more incentives being based at least in part on the product identifier. The system may also generate an invitation to apply for a new financial service account associated with the merchant when the consumer does not have a current financial service account associated with the merchant, communicate the invitation to apply to the consumer, and award the one or more incentives to the consumer based on a response to the invitation to apply.

System and method providing flow-through private label card acquisition

Systems and methods are provided for generating and managing dynamic customized electronic tokens for electronic device interactions. A system for transferring data between a user device associated with a user and a remote device may include a memory storing instructions and a processor configured to execute the stored instructions. The stored instructions may configure the processor to receive, via a network, transaction information from the remote device, access information associated with an electronic token, and provide the electronic token to the remote device. The electronic token may be associated with at least one of the user or the user device, and a token server may generate the electronic token based on the received transaction information, and determine one or more expiration parameters for the electronic token.

Systems and methods for generating and managing dynamic customized electronic tokens for electronic device interaction

A system and method in accordance with exemplary embodiments may include systems and methods for providing fraud management, which may include, receiving account holder data, determining vertical spend patterns associated with merchants to define a merchant risk for each merchant, generating a transactional behavior patter for the account holder, and generating a fraud score and/or action set (e.g., refer/decline/queue for review) based on the transactional behavior pattern and merchant risk. Account holder data may include, for example, an account type, an account balance, account credits and debits, and transaction data including merchant name, location, and transaction details.

System and method for fraud control

Methods and systems for a browser extension system are disclosed. In some embodiments, a browser extension server includes a communication device configured to communicate with a first computing device executing a browser extension application and a web browser application and a second computing device executing an authentication application. The browser extension server further includes a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include receiving from the first computing device an indication of a financial service account associated with the first computing device, detecting a payment field in a web page provided by the computing device through the web browser application and, in response, generating a secure token mapped to the financial service account. The operations may further include sending the second computing device an authentication request, receiving an authentication response, and populating the payment field with the secure token.

Browser extension for limited-use secure token payment

A system and method for generating a notification of a price change for a transaction and facilitating an associated price adjustment based on electronic image capture of a paper receipt. An image capture system captures an electronic image of a paper transaction receipt, which is transmitted to a data extraction processor that extracts transaction receipt data from the captured electronic image. A unique key is generated that is matched to a transaction record to generate a reliability score for the OCRed image and to authorize price matching. If the price monitoring server identifies that the price of a purchased transaction item has changed, the price monitoring server automatically generates a notification to the user indicating the price change and an email to the customer service department of the merchant from which the transaction item was purchased, requesting a price adjustment that is credited back to the payment instrument.

System and method for price matching through receipt capture

Methods and systems for providing browser extension are disclosed. In some embodiments, the browser extension system includes a communication device in communication with a computing device and a networked system. The browser extension system also includes a processor configured to perform operations comprising: maintaining data associated with the computing device; detecting, through a browser extension application running on the computing device, a field in a web page associated with the networked system and provided by a web browser application running on the computing device; and in response to detecting the field: (i) automatically populating the field, through the browser extension application, with a secure token mapped to the data, (ii) detecting, through the browser extension application, a submission script associated with the web page, and (iii) automatically executing the submission script to submit the secure token through the browser extension application to the networked system.

Browser extension for field detection and automatic population and submission

Systems and methods for providing purchase driven financial statements include an account processor that receives account data associated with one or more financial accounts of the account holder and advertising data via a network; one or more databases that stores at least the received account data and the received advertising data; and a statement processor that creates a financial statement based at least in part on the account data and the advertising data, provides the financial statement to an account holder, and tracks the account holder's future account data based on the provided advertising data.

System and method for providing smart statements

The disclosed embodiments generally relate to in-store customer traffic analysis systems and methods. The system includes at least one sensor positioned within a retail store, at least one display associated with the at least one sensor, one or more memory devices storing instructions and one or more hardware processors configured to execute the instructions to perform operations. The operations include receiving a sensor signal indicating that a user device is within a proximity to the at least one sensor in the retail store, extracting a user device identifier from the sensor signal, correlating the sensor signal to the at least one display, generating a foot traffic record associated with the user device identifier and the at least one display, based on the received sensor signal, and storing the generated foot traffic record.

Systems and methods for product placement optimization by sensing customer traffic in stores

Growing community of inventors

Chantilly, VA, United States of America

Thomas S Poole