Real Time Touch



new TOP 200 Companies filing patents this week

new Companies with the Most Patent Filings (2010+)




Real Time Touch

Capital One Financial Corporation patents


Recent patent applications related to Capital One Financial Corporation. Capital One Financial Corporation is listed as an Agent/Assignee. Note: Capital One Financial Corporation may have other listings under different names/spellings. We're not affiliated with Capital One Financial Corporation, we're just tracking patents.

ARCHIVE: New 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 | Company Directory "C" | Capital One Financial Corporation-related inventors


Systems, methods and computer readable medium for wireless solicitations

Product offering systems are provided. Product offering systems may include sending an offer to a customer that possesses a mobile computing device and has agreed to receive offers for products via the mobile computing device. ... Capital One Financial Corporation

Systems and methods for recommending merchants to a consumer

The disclosed embodiments include systems and methods for generating merchant recommendations for a user. In one embodiment, the disclosed embodiments may include one or more memory devices storing software instructions and one or more processors configured to execute the software instructions to perform operations consistent with the disclosed embodiments. ... Capital One Financial Corporation

Augmented reality card activation

Systems and methods are provided for activating a card using augmented reality. The systems and methods may include capturing a real-time image of the card using a customer device, and extracting card information from the real-time image. ... Capital One Financial Corporation

Systems and computer-implemented processes for depositing, withdrawing, and reusing currency for purchase transactions using an intelligent teller machine

Systems and methods are disclosed for the deposit, withdrawal, and reuse of currency for transactions. According to disclosed embodiments, an intelligent teller machine (itm) is configured to receive currency as payment for a transaction, to calculate and dispense any change due, and to request that the net value of the transaction (e.g., the revenue) be deposited into the financial account of the business. ... Capital One Financial Corporation

Method and system for providing alert messages related to suspicious transactions

Systems and methods are provided for providing alerts to a user. The systems and methods may include a financial service provider including a memory device storing instructions. ... Capital One Financial Corporation

Systems and methods for marking individuals with an identifying substance

The present application discloses systems and methods for marking an individual with an identifying substance. The system includes a spray delivery device configured to release a pressurized substance in response to an activation signal, an activation device configured to transmit an activation signal to the spray delivery device, and a power supply, configured to provide power to at least one of the activation devices and the spray delivery devices. ... Capital One Financial Corporation

System and method for malware detection using hashing techniques

A system and method in accordance with example embodiments may include systems and methods for generating and transforming data presentation. The method may include receiving, using a processor, a request for a web page, and submitting, by the processor, the request to a computer server system. ... Capital One Financial Corporation

Systems and methods for assisting and incentivizing consumers

Systems and processes are disclosed for assisting and incentivizing a user to save money by avoiding impulsive purchases. In certain embodiments, disclosed embodiments may include mechanisms to receive a user-defined goal for saving money and to receive item identifying information relating to an item not purchased by the user in accomplishing the goal. ... Capital One Financial Corporation

Systems and methods for providing offers using a mobile device

A wireless device is enabled to provide offers. The wireless device receives card data for a financial account card and stores the card data in a memory associated with the wireless device. ... Capital One Financial Corporation

Systems and methods for providing context to customer activity through a visual representation

A system and method provide context to customer activity through a visual representation, in one implementation, a system may include one or more memory devices storing instructions. The system may also include one or more processors configured to execute the instructions to receive transaction data associated with a customer, and receive a request to generate a visual representation of a trip taken by the customer. ... Capital One Financial Corporation

Systems and computer-implemented processes for occupational risk assessment

Systems and methods are disclosed for determine creditworthiness based on the stability of the customer's occupation. Occupational risk scores may be used to group stable or unstable occupations and may be used in conjunction with other indicators of creditworthiness. ... Capital One Financial Corporation

Systems and methods for suggesting financial account cards stored on a wireless device

A wireless device is enabled to process a transaction. In one implementation, the wireless device receives card data for a plurality of financial account cards and stores the card data in memory associated with the wireless device. ... Capital One Financial Corporation

Wearable transaction devices

The disclosed embodiments include wearable transaction devices. A wearable transaction device may client device for executing a transaction. ... Capital One Financial Corporation

System and method for providing a credit card with multiple credit lines

A system and method for providing a credit card with multiple lines of credit. One of the disclosed methods include, for example, analyzing credit information of a cardholder to determine a level of risk associated with the cardholder; establishing a general purpose credit line based on the determined level of risk associated with the cardholder, the general purpose credit line being set as a revolving credit line; establishing a private label credit line based on the determined level of risk associated with the cardholder, the private label credit line being set as a revolving credit line; and issuing the credit card to the cardholder with the established general purpose credit line and private label credit line.. ... Capital One Financial Corporation

05/10/18 / #20180130127

Systems and methods for exporting auto finance information

This disclosure relates generally to systems and methods for providing personalized financing information and, more particularly, systems and methods for providing personalized financing information via a dealership website using an api associated with a financial service provider. In one embodiment, a system includes memory hardware storing instructions that configure processing hardware to receive a loan request for a buyer via a real-time api that includes at least buyer identification and financial information and information associated at least one inventory item presented on a dealership website. ... Capital One Financial Corporation

05/10/18 / #20180130103

System and methods for providing financial account information over a network

A system and method for providing financial account messages to customers while accessing web sites is disclosed. Methods, systems and articles of manufacture consistent with the present invention enable a financial account issuer to provide an application to customer's computer system over a network. ... Capital One Financial Corporation

05/10/18 / #20180130063

Wireless devices for storing a financial account card and methods for storing card data in a wireless device

A non-transitory computer-readable medium stores instructions causing a processor to authorize a second party to use a financial account card. The instructions comprise instructions to receive, from a first wireless device associated with a first party, a selection of a financial account card from a user input device of the first wireless device; assign, to the selected financial account card, an identity of a second party that is authorized to use the selected financial account card; receive, from a second wireless device, a request to authorize a transaction using the selected financial account card; receive an indicator of an identity of a user of the second wireless device; and authorize the transaction, based on the received indicator, when the identity of the user of the second wireless device is the authorized second party.. ... Capital One Financial Corporation

05/10/18 / #20180130055

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

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. ... Capital One Financial Corporation

05/03/18 / #20180122005

Systems and methods for applying sensor analysis to financial underwriting

Systems and methods are disclosed for determining the value of secured assets associated with loan accounts. In one implementation, a financial service system configures a secured loan account for a customer. ... Capital One Financial Corporation

05/03/18 / #20180122000

Systems and computer-implemented processes for analyzing and determining the value of switching accounts

The disclosed embodiments include systems and methods for customer account switching valuation. The disclosed embodiments include a customer account switching valuation computer system that includes a storage device storing instructions and a processor configured to execute the instructions in the storage device. ... Capital One Financial Corporation

05/03/18 / #20180121995

Systems and methods for managing three dimensional manufacturing

The disclosed embodiments include methods and systems for providing financial services for three-dimensional (3d) manufacturing. Consistent with disclosed embodiments, a system may receive a request and payment information from a user for producing a 3d manufacturing product. ... Capital One Financial Corporation

05/03/18 / #20180121927

Voice recognition to authenticate a mobile payment

Systems and methods are provided for authenticating mobile payments from a customer account to a merchant. The systems and methods may include a financial service provider receiving a request to authorize an electronic transaction at a point-of-sale. ... Capital One Financial Corporation

04/19/18 / #20180108085

Systems and methods for providing enhanced loan qualification

Methods and systems are disclosed for providing enhanced information relating to terms for financing a purchase, such as a real estate purchase. According to disclosed embodiments, a financial service system collects financial information associated with the prospective buyer. ... Capital One Financial Corporation

04/12/18 / #20180101913

Entropic link filter for automatic network generation

Methods and systems are disclosed for enhancing the information value of data networks. Consistent with disclosed embodiments, in large datasets, automated linking between data entries is facilitated by configuration and application of one or more entropic filters to the data. ... Capital One Financial Corporation

04/12/18 / #20180101904

Systems and methods for managing a customer account switch

Systems and methods for management of an account switch are disclosed. An account switch management system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive a list of transaction entries to be switched from a first account to a second account and account information associated with the first account and the second account. ... Capital One Financial Corporation

04/05/18 / #20180096424

Systems and methods for providing a separate interest rate for an individual transaction

Systems and methods for providing a separate interest rate for an individual transaction are disclosed. A system may provide a service associated with a account having an account balance and an associated first interest rate. ... Capital One Financial Corporation

04/05/18 / #20180096377

Systems and methods for providing a financial discount or reward

The disclosed embodiments include methods and systems for providing a discount or reward at the point of sale. In one embodiment a system for providing a discount at the point of sale is disclosed. ... Capital One Financial Corporation

04/05/18 / #20180096373

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

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 ore hardware processors configured to execute the instructions to perform operations. ... Capital One Financial Corporation

03/29/18 / #20180089757

Systems and methods for providing user-controlled automobile financing

Methods and systems are disclosed for providing approved financing in advance of a purchase to a buyer of an item, such as an automobile, and allowing the prospective buyer to maintain control over the financing throughout the sales process. According to disclosed embodiments, a financial service system configures a financing website for the buyer, and receives personal information as well as information relating to the desired item. ... Capital One Financial Corporation

03/29/18 / #20180089755

Systems and methods for switching electronic accounts using a self-service device

The disclosed embodiments include methods and systems for switching electronic accounts using self-service device. The account switch system may receive, from the self-service device, a request to switch an existing electronic account associated with a first provider to a new electronic account associated with a second provider. ... Capital One Financial Corporation

03/29/18 / #20180089693

System and method for automatically authenticating a caller

Systems and methods include an input interface that receives registration information including a contact number input into a mobile device of a user, a call interface that transmits a call signal to a call center system, wherein the call signal comprises the call signal contact number that placed a call associated with the call signal and a communication interface that transmits the registration information to a profile database that stores the registration information as a profile for authenticating the mobile device user and identifying information from the mobile device of the user during the call. The call center system includes a call authentication processor that retrieves the user profile, an authentication interface that receives the identifying information, and an authentication processor that compares the identifying information with the user profile, and routes the call on an authenticated call path if the identifying information at least partially matches the user profile.. ... Capital One Financial Corporation

03/22/18 / #20180082548

Atm skimmer detection based upon incidental rf emissions

The disclosed embodiments include methods and systems for detecting atm skimmers based upon radio frequency (rf) signal. In one aspect, the disclosed embodiments include a system for detecting atm skimmers including a memory storing instructions and one or more processors that execute the instructions to perform one or more operations for detecting atm skimmers. ... Capital One Financial Corporation

03/22/18 / #20180082381

Systems and methods for dynamically providing financial loan products

The disclosed embodiments include methods and systems for collecting, managing, and processing business data for lending services. In one embodiment, a lending system is disclosed that may register a small business with a lending service provided by a lending system and receive first small business data from the small business. ... Capital One Financial Corporation

03/22/18 / #20180082367

Systems and methods for aggregating and managing financial service accounts

The disclosed embodiments include methods and systems for providing an aggregated financial service account based on multiple private label financial accounts. In one embodiment, a process is disclosed that may include receiving a first request from a user for a first private label financial account that is usable for purchases associated with a first merchant and approving the first request for the first private label financial account. ... Capital One Financial Corporation

03/22/18 / #20180082319

Systems and methods for providing credit to financial service accounts

A system and method is provided for redeeming coupons to credit a customer's financial service account without sharing the customer's restricted information with merchants. The system and method may include a financial service provider receiving merchant transaction information from a merchant that reflects sale transactions associated with the merchant over a period of time. ... Capital One Financial Corporation

03/22/18 / #20180082306

Systems and methods for providing real-time alerts with concessions

The disclosed embodiments include a method for generating a response when a user encounters an error while using a servicing system. The method may include determining a user has encountered an error using a servicing system based on a trigger event associated with a system failure, logging the error in association with identifying information of the user, analyzing the error according to one or more pre-configured rules to determine an error level associated with the error, and selecting one or more responses to the error based on the error level, with at least one response being directed to the user in real-time. ... Capital One Financial Corporation

03/22/18 / #20180082286

Systems and methods for authenticating electronic transactions

The disclosed embodiments provide systems and methods for authenticating electronic transactions. A system for authenticating electronic transactions may include one or more memory devices storing instructions and one or more processors configured to receive transaction data associated with a transaction and further associated with a customer. ... Capital One Financial Corporation

03/22/18 / #20180081679

Systems and methods for providing predictive quality analysis

The disclosed embodiments include methods and systems for providing predictive quality analysis. Consistent with disclosed embodiments, a system may receive input data associated with a software program and compare the input data with one or more predetermined analysis parameters. ... Capital One Financial Corporation

03/15/18 / #20180075529

System and method for providing extra lines of credit

A system and method for upgrading existing credit cards with additional lines of credit is disclosed. Credit information associated with customers holding credit cards issued by a credit card issuer are analyzed to determine a level of risk associated with each customer. ... Capital One Financial Corporation

03/15/18 / #20180075473

Systems and methods for providing advertising services

The disclosed embodiments include methods, systems, and articles of manufacture for providing advertising services. In one embodiment, a system is provided for receiving a user registration request, identifying advertisements in content presented at client devices of the user during a first time period, providing alternative advertisements to the client devices in substantially real-time to replace the identified advertisements, receiving user financial data indicating purchases of the user during the first time period, associating user purchases with the alternative advertisements provided during the first time period based on the user's financial data, and determining an efficacy score one or more of the alternative advertisements based on the association.. ... Capital One Financial Corporation

03/15/18 / #20180075468

Systems and methods for merchant business intelligence tools

The disclosed embodiments generally relate to systems and methods for business analytics, and more particularly, to systems and methods for merchant business intelligence tools. Disclosed embodiments may include a method for providing merchant business intelligence. ... Capital One Financial Corporation

03/15/18 / #20180075456

Systems and methods for processing customer purchase transactions using biometric data

A system and method is provided for processing customer purchase transactions using biometric data. Consistent with disclosed embodiments, a processing entity receives biometric data of a customer, wherein the biometric data is unique to the customer. ... Capital One Financial Corporation

03/15/18 / #20180075436

Systems and methods for providing near field communications

Methods and systems are disclosed for providing near field communications. In certain embodiments, an android mobile operating system based mobile device is configured with software that, when executed by one or more processors, determines whether the mobile device is to perform an nfc communication with a contactless payment terminal (cpt) using a secure element associated with an nfc controller included in the mobile device. ... Capital One Financial Corporation

03/15/18 / #20180075419

Wearable transaction devices

The disclosed embodiments include wearable transaction devices. A wearable transaction device may client device for executing a transaction. ... Capital One Financial Corporation

03/08/18 / #20180070194

Systems and methods for providing an interactive community through device communication

A wave device is disclosed. The wave device may include one or more memory devices storing instructions and one or more processors configured to execute the instructions to receive a unique identifier associated with a community and generate a communication including the unique identifier associated with the community and enabling a second wave device to join the community. ... Capital One Financial Corporation

03/08/18 / #20180068385

Systems and methods for managing a loan application

The disclosed embodiments provide systems and methods for managing a loan application. In one embodiment, a method is disclosed that may include identifying one or more unfulfilled conditions associated with a loan application of a customer and sending, to a customer device, a request for a loan application document based on the identified one or more unfulfilled conditions. ... Capital One Financial Corporation

03/08/18 / #20180068343

Systems and methods for providing advertising services

The disclosed embodiments include methods, systems, and articles of manufacture for providing advertising services. In one embodiment, a system is provided for receiving a user registration request, identifying advertisements in content presented at client devices of the user during a first time period, providing alternative advertisements to the client devices in substantially real-time to replace the identified advertisements, receiving user financial data indicating purchases of the user during the first time period, associating user purchases with the alternative advertisements provided during the first time period based on the user's financial data, and determining an efficacy score one or more of the alternative advertisements based on the association.. ... Capital One Financial Corporation

03/08/18 / #20180068283

Wearable transaction devices

The disclosed embodiments include wearable transaction devices. A wearable transaction device may client device for executing a transaction. ... Capital One Financial Corporation

03/01/18 / #20180061188

Atm skimmer detection based upon incidental rf emissions

The disclosed embodiments include methods and systems for detecting atm skimmers based upon radio frequency (rf) signal. In one aspect, the disclosed embodiments include a system for detecting atm skimmers including a memory storing instructions and one or more processors that execute the instructions to perform one or more operations for detecting atm skimmers. ... Capital One Financial Corporation

03/01/18 / #20180060844

Systems and methods for point of sale deposits

The disclosed embodiments include systems and methods for executing a point of sale deposit. In one embodiment, a system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive transaction information related to a point of sale deposit from a client device, and generate a pending deposit transaction based on the transaction information. ... Capital One Financial Corporation

02/15/18 / #20180046999

Systems and methods for point of sale deposits

The disclosed embodiments include systems and methods for executing a point of sale deposit. In one embodiment, a system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive deposit information related to a point of sale deposit from a mobile device, and generate a deposit token retaining at least the deposit information and deposit authorization information. ... Capital One Financial Corporation

02/15/18 / #20180046946

System and method for mobile social networking within a target area

A system and method for mobile social networking within a target area are provided. The method provides for mobile social networking. ... Capital One Financial Corporation

01/18/18 / #20180018720

System and methods for providing financial account information over a network

A system and method for providing financial account messages to customers while accessing web sites is disclosed. Methods, systems and articles of manufacture consistent with the present invention enable a financial account issuer to provide an application to customer's computer system over a network. ... Capital One Financial Corporation

01/11/18 / #20180013749

System and method for providing limited access to data

A system and computer-implemented method for providing access to data of a first party including receiving information for identifying the first party, authenticating the first party using the received information for identifying the first party and generating a first read-only personal identification number (pin). The first read-only pin is associated with a first set of access rights for the data of the first party and provided to a second party. ... Capital One Financial Corporation

01/11/18 / #20180012306

System and method for determining transaction locations based on geocoded information

Systems and methods for determining a transaction location based on transaction history data include storing, in a database, transaction history data related to a plurality of account holders, storing, in a database, location data for a plurality of locations, wherein each of the plurality of locations is associated with a respective merchant store location, receiving, via a network, transaction data associated with one of the plurality of account holders' recent transaction, obtaining, using a processor, the location data for a plurality of locations, retrieving, using a processor, transaction history data associated with the account holder from a transaction history data store associated with a financial institution, creating transactions clusters based on the transaction history data, analyzing a location associated with each of the transaction clusters and the location data, and determining a predicted transaction location based on the analysis of the one or more transaction clusters and the location data.. . ... Capital One Financial Corporation

01/11/18 / #20180012296

Methods and systems for offering a credit card account to a consumer at a point-of-sale location

Systems and methods are disclosed for offering a credit card account to a consumer at a point-of-sale location. The systems and methods may include offering a product to the consumer at the point-of-sale location. ... Capital One Financial Corporation

01/11/18 / #20180012234

Method for authenticating financial instruments and financial transaction requests

A method for authenticating a check of a plurality of checks where the check was previously issued from a first party to a second party, including receiving first information from the first party, storing the first information in a file of a third party and receiving the check. The check has first party identifying information, a unique pseudorandom number of a pseudorandom sequence, and an amount. ... Capital One Financial Corporation

01/11/18 / #20180012217

Methods and systems for displaying account information

Systems and methods are provided for displaying account information. The systems and methods may include a portable smart display device in short-range communication with a mobile device. ... Capital One Financial Corporation

01/04/18 / #20180005260

Systems and methods for providing offers using a mobile device

A wireless device is enabled to provide offers. The wireless device receives card data for a financial account card and stores the card data in a memory associated with the wireless device. ... Capital One Financial Corporation

12/07/17 / #20170352107

System and method for capturing sales tax deduction information from monetary card transactions

Systems and methods are provided for managing sales tax information. The information may be generated, for example, in connection with transactions involving financial accounts, such as a credit card account. ... Capital One Financial Corporation

12/07/17 / #20170352106

System for and method for comprehensive sales and service metric reporting

A system and method in accordance with example embodiments for comprehensive sales and service data reporting. Sales and service events that take place at a front end branch of an enterprise may be input into a front end system and transmitted to a backend system where various modules then use the front end system data to generate various data and reports to display various data, such as, for example, sales incentive metrics and key performance indicators.. ... Capital One Financial Corporation

11/23/17 / #20170337563

System and method of notifying user near point of sale location of available rewards at the point of sale location

Systems and methods for a point of sale reward system are provided. The system notifies users proximate to a point of sale location of rewards available for redemption specific to that user at that specific point of sale location.. ... Capital One Financial Corporation

11/16/17 / #20170330289

System and method for comprehensive sales and service event processing and reporting

Example systems and methods provide comprehensive sales and service data processing and reporting. Sales and service events that take place at a front end branch of an enterprise may be input into a front end system and transmitted to a backend system where various modules then use the front end system data to generate various data and reports to determine sales incentive metrics and key performance indicators.. ... Capital One Financial Corporation

11/16/17 / #20170330172

System and method for providing a user-loadable stored value card

A system and method in accordance with example embodiments may provide a user-loadable stored value card. Additionally, a system and method in accordance with example embodiments may allow an institution to receive a user-loadable stored value card activation request from a sender, activate a user-loadable stored value card using the information received in the activation request, and provide card management capabilities to the sender.. ... Capital One Financial Corporation

07/06/17 / #20170193596

System and method for providing a financial product using a customer product criteria

A system and method for providing a financial product using customer product criteria are provided. The method provides for providing a financial product to a customer. ... Capital One Financial Corporation

04/20/17 / #20170109779

Systems and methods for providing offers using a mobile device

A wireless device is enabled to provide offers. The wireless device receives card data for a financial account card and stores the card data in a memory associated with the wireless device. ... Capital One Financial Corporation

04/20/17 / #20170109755

Wireless devices for storing a financial account card and methods for storing card data in a wireless device

A wireless device is enabled to receive a financial account card that is inserted into a card slot of the wireless device. The wireless device reads card data from the financial account card when it is inserted into the slot and programs an rfid (radio frequency identification) tag or a memory included in the wireless device. ... Capital One Financial Corporation

04/20/17 / #20170109724

Systems and methods for configuring a mobile device to automatically initiate payments

The disclosed embodiments include a mobile client device for automatically performing a mobile financial service function, including a memory storing software instructions, the software instructions including a mobile financial service application configured to perform financial service processes. The system may also include and one or more processors configured to execute the software instructions to detect a physical action performed on the mobile client device, and determine a first financial service function to perform based on the detected physical action, wherein the first financial service function is a function provided by the mobile financial service application. ... Capital One Financial Corporation

04/13/17 / #20170103384

Wireless devices for storing a financial account card and methods for storing card data in a wireless device

A wireless device is enabled to receive a financial account card that is inserted into a card slot of the wireless device. The wireless device reads card data from the financial account card when it is inserted into the slot and programs an rfid (radio frequency identification) tag or a memory included in the wireless device. ... Capital One Financial Corporation

03/30/17 / #20170091803

Systems and methods for providing offers using a mobile device

A wireless device is enabled to provide offers. The wireless device receives card data for a financial account card and stores the card data in a memory associated with the wireless device. ... Capital One Financial Corporation

03/23/17 / #20170083913

Method and system for authorizing card account transactions by geographic region

A method and system for authorizing card account transactions by geographic region by providing data for a user interface displaying geographic regions and merchant locations each corresponding to the location of a merchant where a transaction using a card account may be initiated, receiving a user interface selection representing a request to authorize or restrict card account transactions, receiving authorization requests for desired transactions, and authorizing or restricting the transactions in accordance with the request.. . ... Capital One Financial Corporation

03/23/17 / #20170083890

Systems and methods for providing manufacturer-based financial service accounts

The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. ... Capital One Financial Corporation

02/09/17 / #20170039573

System and method for automatically authenticating a caller

Systems and methods include an input interface that receives registration information including a contact number input into a mobile device of a user, a call interface that transmits a call signal to a call center system, wherein the call signal comprises the call signal contact number that placed a call associated with the call signal and a communication interface that transmits the registration information to a profile database that stores the registration information as a profile for authenticating the mobile device user and identifying information from the mobile device of the user during the call. The call center system includes a call authentication processor that retrieves the user profile, an authentication interface that receives the identifying information, and an authentication processor that compares the identifying information with the user profile, and routes the call on an authenticated call path if the identifying information at least partially matches the user profile.. ... Capital One Financial Corporation

01/19/17 / #20170018028

System and method for providing behavior-based credit availability

A system and method for providing behavior-based credit availability is presented. The described systems and methods may allow for a financial institution to raise a customer's credit line access beyond an initial amount without re-checking a customer's ability to pay. ... Capital One Financial Corporation








ARCHIVE: New 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009



###

This listing is an abstract for educational and research purposes is only meant as a recent sample of applications filed, not a comprehensive history. Freshpatents.com is not affiliated or associated with Capital One Financial Corporation in any way and there may be associated servicemarks. This data is also published to the public by the USPTO and available for free on their website. Note that there may be alternative spellings for Capital One Financial Corporation with additional patents listed. Browse our Agent directory for other possible listings. Page by FreshPatents.com

###