Capital One Services, LLC

Vivek Bharatam

Meghnath Sharma

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

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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Aldie, VA, United States of America

Vivek Bharatam