The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Sep. 09, 2025

Filed:

Aug. 18, 2023
Applicant:

Capital One Services, Llc, McLean, VA (US);

Inventors:

Joshua Edwards, Philadelphia, PA (US);

Shabnam Kousha, Washington, DC (US);

Asher Smith-Rose, Midlothian, VA (US);

Tyler Maiman, Melville, NY (US);

Assignee:

Capital One Services, LLC, McLean, VA (US);

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
H04M 3/00 (2024.01); H04L 65/1076 (2022.01); H04L 65/1101 (2022.01); H04M 3/22 (2006.01); H04M 3/51 (2006.01);
U.S. Cl.
CPC ...
H04M 3/2281 (2013.01); H04L 65/1079 (2013.01); H04L 65/1101 (2022.05); H04M 3/5191 (2013.01); H04M 2201/42 (2013.01); H04M 2203/6027 (2013.01);
Abstract

In some embodiments, the present disclosure provides an exemplary method that may include steps of obtaining, a permission from each user to monitor a plurality of activities; continually receiving monitoring data of the plurality of activities; identifying a plurality of related incoming interaction sessions within the predetermined period of time; automatically verifying at least one common session parameter; utilizing a machine learning algorithm to determine at least one transaction; determining a plurality of fraudulent transactional rules; automatically adjusting the plurality of fraudulent transactional rules; utilizing a natural language processing algorithm to automatically generate at least one interaction notification; receiving a response to the interactive notification; and automatically updating the database of known session interaction parameters based on the response to the interactive notification.


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