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Capital One Financial Corporation patents (2015 archive)


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


12/31/15 / #20150379514

Systems and methods for transaction pre authentication

Systems, methods, and computer-readable media are provided for mobile-based transaction pre-authorization. One example method comprises receiving, from a device (such as a mobile device), a pre-authorization request including at least selection of a payment method, and generating a pre-authorization for a purchase based on the selected payment method. ... Capital One Financial Corporation

12/10/15 / #20150356667

Systems and methods for location sensing for purchases

Systems and methods are provided for assisting a customer with purchasing a merchandise item in a store. Assisting the customer may include determining a location of a customer (i.e., customer device) in the store, identifying merchandise items located adjacent to the customer, receiving selection of a merchandise item for purchase from the identified merchandise items, receiving payment authorization information for the purchase, and initiating delivery of the merchandise item to the customer. ... Capital One Financial Corporation

12/10/15 / #20150356662

Systems and methods for location sensing to facilitate best pricing options

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. ... Capital One Financial Corporation

12/03/15 / #20150348166

System and method for providing enhanced financial services based on social signals

A system and method includes a data store that stores information about a plurality of product offerings, a communication interface that receives, via a network, social signals information, a social signals processor coupled to an application programming interface that enables transmission of the social signals information, wherein the social signals processor detects a change in profile information, geo-social information, status information, or social media preference, and a product offering processor that determines a product offering from among the plurality of product offerings based on the detected change in profile information, geo-social information, status information, or social media preference.. . ... Capital One Financial Corporation

12/03/15 / #20150348035

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

11/26/15 / #20150341740

Systems and methods for communicating with a unique identifier

A system for device communication is disclosed. The system may include one or more memory devices storing instructions and one or more processors configured to execute the instructions to transmit a first unique identifier to a wave device, and receive a second unique identifier from the wave device. ... Capital One Financial Corporation

11/26/15 / #20150341402

Systems and mehtods 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

11/26/15 / #20150339638

System and method for providing social cash

A system and method for facilitating dispensing social cash includes an application programming interface that receives a contact list, a communications processor that receives a request for a mobile cash dispenser from a user device, a location processor that provides location information to the user device indicating the location of one or more mobile cash dispensers, wherein each of the one or more mobile cash dispensers are associated with a respective contact in the contact list, an input interface that receives a selection from the user device of one of the one or more mobile cash dispensers, and a social cash processor in cooperation with the communications processor that facilitates an interaction between the user device and the selected mobile cash dispenser and receives transaction confirmation information from at least one of the user device and the mobile cash dispenser.. . ... Capital One Financial Corporation

11/19/15 / #20150332246

Multi-account card

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. ... Capital One Financial Corporation

10/29/15 / #20150310564

Systems and methods for geo-coded financial account statement visualization

Systems and methods for geo-coded financial statement visualization are disclosed. Financial account transaction history, such as credit card accounts, are geo-coded based on the merchant identification information. ... Capital One Financial Corporation

10/22/15 / #20150302393

Enhanced near field communications attachment

A secure fob that enables a user to pay for an item or items without needing to present a mobile device. A secure fob may include a proximity capability to ensure that a mobile device is within a particular range, thereby eliminating the risk of fraudulent charges on a stolen fob. ... Capital One Financial Corporation

10/22/15 / #20150302370

System and method for real time transfers between accounts

A system and method for real-time funds transfer that includes a financial institution server system that maintains an agent account for real-time transfers, an input/output module of the financial institution server system that receives a request for a real-time funds transfer, wherein the request for the real-time funds transfer includes destination account data, funds transfer amount, and source financial institution preference data, a destination agent module of the financial institution server system that processes the received request and determines whether the agent account can facilitate the real-time funds transfer based on the destination account data, funds transfer amount, and source financial preference data, and a destination account module of the financial institution server system that receives, in real-time from the agent account, the funds transfer amount if the destination agent module determines that the agent account can facilitate the real-time funds transfer.. . ... Capital One Financial Corporation

09/03/15 / #20150248669

Systems and methods for managing gift cards

A system for linking a gift card with a financial account of a financial service provider may include one or more memory devices storing instructions and one or more processors configured to receive gift card data including a credit balance of a gift card associated with a user. The processor may be configured to determine a financial account of the user with the financial service provider and associate the gift card data with the financial account of the user. ... Capital One Financial Corporation

08/20/15 / #20150235201

Systems and methods for initiating payment from a client device

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

07/30/15 / #20150215305

Systems and methods for populating online applications using third party platforms

A system and method includes a database that stores a web-based form that includes a link to allow an applicant to select a third party to provide data to populate a plurality of fields of the web-based form, a communication interface that transmits the web-based form to a mobile device of a user and receive a selection of the third party to provide data to populate the plurality of fields of the web-based form and an application server, that, in conjunction with the communication interface, in response to the selection, transmits a third-party application programming interface (api) call to the at least one selected third party; transmits data indicative of an authentication request associated with the selected third party; and receives a security token in response to a validated authentication request, the security token enabling communication between application server and the third party system via the third party api, wherein the enabled communications is based on a set of permissions, each permission associated with a specific data field in the web-based form.. . ... Capital One Financial Corporation

07/30/15 / #20150213435

Systems and methods for providing transaction tokens for mobile devices

The disclosed embodiments include methods and systems for providing payment token transactions by a mobile device. The mobile device may be operable to obtain a payment token, where the payment token is associated with one or more payment token parameters and the mobile device may be configured to communicate with a financial service provider system over a first network when connectivity to the first network is available to the mobile device. ... Capital One Financial Corporation

07/30/15 / #20150213428

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

07/30/15 / #20150213427

Detection of unauthorized devices on atms

The disclosed embodiments include methods and systems for detecting atm skimmers, other unauthorized devices, such as hidden video cameras or keypad overlays, and/or possible damage to the atm based upon radio frequency (rf) signal emitted from the atm and/or 3d image analysis.. . ... Capital One Financial Corporation

07/23/15 / #20150206252

System and method for account transaction and balance prediction

A system and method include a financial data storage that stores internal account data, external account data, and transaction data, a communications interface that receives, via a network, external account data from an external data source and transaction data from a merchant, a database manager that cooperates with the communications interface to store the received external account data in the financial data storage and the received transaction data from the merchant, an account balance prediction processor that determines a recurring financial transaction based on at least one of: the internal account data, the external account data, and the transaction data, determines recurring income data based on at least one of: the internal account data and the external account data, determines a predicted financial transaction using a predictive model based on the at least one recurring financial transaction, a prediction time period, and at least one trending data, determines a predicted income using a predictive model based on the recurring income data and the prediction time period, and calculates a predicted account balance based on the total predicted financial transactions and the predicted income, a transaction monitor that receives actual financial transaction data and actual income data, 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 that transmits, via a network in cooperation with the communications interface, an alert to an account holder based on the comparison.. . ... Capital One Financial Corporation

07/23/15 / #20150206234

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

07/23/15 / #20150206167

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

07/16/15 / #20150199758

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

07/16/15 / #20150199748

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

07/09/15 / #20150193873

Systems and methods for dynamic, risk-based purchase financing

This disclosure relates generally to credit-based transactions, and more particularly to dynamic purchase financing methods and systems. In one embodiment, a computer-implemented method provides a conditional credit line. ... Capital One Financial Corporation

07/09/15 / #20150193794

System and method for generating real-time customer surveys based on trigger events

A system and method for real-time surveys includes a communication interface that receives event data associated with a customer via a network from a mobile device of the customer, a survey generator that generates a survey based on the event data, a survey transmission interface that transmits the survey to the mobile device, and a survey response receiver that receives a response to the survey. The survey generator generates one or more of follow-up commands or follow-up questions based on the received response and the survey transmission interface transmits the one or more of follow-up commands or follow-up questions to the mobile device.. ... Capital One Financial Corporation

07/09/15 / #20150193776

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

07/09/15 / #20150193775

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

07/09/15 / #20150193774

System and method for fraud detection using social media

Systems and methods for fraud detection include an application programming interface (api) that establishes, via a network, a link between an account provider system and a social media system, a registration processor that receives, via a network, registration information that indicates that a customer wishes to register for a location-based account service provided by the account provider system, wherein the social media system provides at least a portion of location data used to support the location-based account service provided by the account provider system, a location processor that receives, via a network, location information from the social media system, wherein the location information is associated with the location of the customer, and a fraud processor that executes a fraud detection algorithm to determine whether to approve a transaction based in part on the received location information.. . ... Capital One Financial Corporation

07/09/15 / #20150193768

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

07/02/15 / #20150186918

Systems and methods for automatic reward redemption

Systems and methods are provided for enrolling a customer into a rewards program and allowing the customer to conveniently redeem reward benefits. Consistent with certain embodiments, computer-implemented systems and methods are provided for enrolling a customer into a rewards program. ... Capital One Financial Corporation

06/11/15 / #20150161576

System and method for financial transfers from a financial account using social media

Systems and methods for transferring funds from a financial account held at a financial institution to a recipient using a social media platform include a social linking application programming interface (api) that establishes a link between a sender social media account that is associated with sender financial account data and at least one recipient social media account that is associated with recipient financial account data; a database that maintains the link between the at least one linked sender financial account and at the least one linked recipient financial account, an input/output interface that receives, via a network, a request from a sender financial institution identified in the linked sender financial account data to transfer funds from a sender social media subscriber associated with the sender social media account to a recipient social media subscriber associated with the recipient social media account, wherein the request identifies the linked recipient social media account and includes a transfer amount, and a transfer processor that queries the data storage for recipient financial account data based on the request, transmits the recipient financial account data to a sender financial institution via the social linking api, and receives confirmation of a completed transfer between the sender financial institution and a recipient financial institution associated with the recipient financial account data.. . ... Capital One Financial Corporation

05/28/15 / #20150149432

Systems and methods for searching financial data

Systems and methods are provided for searching financial data. For example, a device for searching transaction information is disclosed. ... Capital One Financial Corporation

05/21/15 / #20150142661

Shared expense management

Systems and methods are provided for managing shared expenses. The systems and methods may include a financial service provider identifying shared expenses in a customer's transaction history with software application executed on a server or personal computing device. ... Capital One Financial Corporation

05/07/15 / #20150127541

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

05/07/15 / #20150127524

Systems and methods for providing enhanced loan qualification information

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

05/07/15 / #20150127505

System and method for generating and transforming data presentation

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

04/16/15 / #20150106275

Systems and methods for performing atm fund transfer using active authentication

A method of performing a fund transfer at an atm includes receiving an active authentication transaction key at an atm from a mobile financial transaction instrument via a wireless communication protocol, generating a pin at the atm, and storing the pin in a machine readable storage medium. An authorization request message is transmitted to a financial institution identified by the active authentication transaction key. ... Capital One Financial Corporation

04/02/15 / #20150095130

Systems and methods for providing a customer service

The disclosed embodiments include systems and methods for providing customer service. The system may include one or more memory devices storing software instructions. ... Capital One Financial Corporation

04/02/15 / #20150094026

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

03/12/15 / #20150073903

Systems and methods for a refinancing savings widget

Systems and methods are provided for calculating a savings amount for loan refinancing. According to one implementation, a method includes displaying a graphic user interface comprising a widget at a client device and receiving input data from a user regarding a loan. ... Capital One Financial Corporation

03/05/15 / #20150066713

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

03/05/15 / #20150066623

Systems and methods for providing flexible incentive rewards

Systems and methods are disclosed for providing a financial account with incentives. In one implementation, a method is provided that includes receiving a selection of at least one identified merchant from a customer, the customer being associated with the financial account. ... Capital One Financial Corporation

02/26/15 / #20150058225

Method and system for authorizing card account transactions by geographic reigon

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

02/26/15 / #20150058134

Systems, methods, and articles of manufacture for targeted marketing via improved card embossing

Systems, methods, and articles of manufacture are disclosed for generating marketing targeted to individual cardholders of shared credit card accounts. A financial service provider may configure a credit card account to be shared by two or more cardholders. ... Capital One Financial Corporation

02/26/15 / #20150058105

System and method for rewards calculation

A system and method in accordance with example embodiments may include systems and methods for calculating rewards, which may include, receiving account holder data, parsing the account holder data for transformation and loading purposes; receiving new financial account data from financial institutions, where a new financial account may be, for example, a credit card account, and new financial account data may include, for example, the terms and conditions associated with the financial account, fees associated with the financial account, and/or deals, benefits, rewards, and/or promotions associated with the financial account; determining spend categories based on the new financial account data; determining account holder customizations; determining seasonal trends associated with the account holder data; and determining an optimal new financial account based on the account holder data, new financial account data, spend categories, seasonal trends, and/or account holder customizations.. . ... Capital One Financial Corporation

02/19/15 / #20150052045

Systems and methods for instant funding of financial service products

Systems and methods are disclosed for opening new accounts, immediately funding those accounts, and supplying users with funded debit cards within a single visit. According to disclosed embodiments, a financial services kiosk or a combination of financial services systems is configured to open a new account, transfer funds to the new account via a modified withdrawal, a modified debit purchase, a real-time network transfer, and/or an immediate ach transfer, and print an active debit card for the user without the typical delay of several days or weeks between the opening of the account, the funding of the account, and the issuance of a debit card.. ... Capital One Financial Corporation

02/19/15 / #20150051960

System and method for combing coupons with financial accounts

A system for linking coupons to financial accounts using a mobile device that includes a financial institution database that stores an account of an account holder, a communication interface of a financial institution that receives, via a network, coupon data associated with one or more discounts from a mobile device of the account holder, a linking processor that associates the coupon data with the account of the account holder, an authorization network interface that receives transaction data relating to transactions associated with the account of the account holder, a comparison processor of a financial institution that determines compares the coupon data with the transaction data to determine whether a qualifying transaction has occurred, and a discount processor of a financial institution that provides a credit to an account holder when a qualifying transaction has occurred.. . ... Capital One Financial Corporation

02/12/15 / #20150046305

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

02/12/15 / #20150046240

System and method for providing mobile coupons for redemption

A system that uses a mobile device to efficiently redeem a coupon through a financial institution that includes a communication interface that receives, via a network, coupon data associated with one or more discounts and receipt data from a mobile device, a comparison processor that determines product data based on the receipt data and compares the coupon data with the receipt data, and a discount processor that provides a credit to an account holder based at least in part on the results of the comparison between the coupon data and the receipt data, wherein the credit is based on the coupon data.. . ... Capital One Financial Corporation

02/05/15 / #20150039490

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

01/29/15 / #20150032635

System and method for exchanging data with smart cards

A system that includes an issuer system that receives, via a network, registration information from a mobile device, wherein the issuer system is associated with a financial institution that issues a smart card to a user and wherein the registration information includes an identifier of the mobile device, and a mobile device application associated with the issuer system, that when executed on a mobile device, communicates with the issuer system to validate the mobile device as a trusted device and enables the trusted device to communicate with the smart card and enable smart card management features mobile device application.. . ... Capital One Financial Corporation

01/29/15 / #20150032588

Systems and methods for enrolling merchants using card data

The disclosed embodiments include methods, systems, and articles of manufacture for registering merchants to accept payments. A user interface is generated to include an option for a user to provide registration data from a card containing identification data. ... Capital One Financial Corporation

01/15/15 / #20150019355

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

01/15/15 / #20150019326

Systems and methods for a merchant payment card marketing laboratory

In one embodiment, a system is configured to receive a market analysis request regarding customers having a partnership card account associated with a financial service provider and a merchant. The system may determine one or more online behavior characteristics of the customers and access data associated with financial transactions of the customers from the financial service provider. ... Capital One Financial Corporation

01/15/15 / #20150019290

Systems and methods for representing consumer behavior

The disclosed embodiments include systems and methods for representing consumer behavior. 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 consumer transaction data associated with financial transactions occurring with a first merchant and financial transactions occurring with a second merchant. ... Capital One Financial Corporation

01/08/15 / #20150012838

Systems and methods for providing mobile proving ground

The disclosed embodiments include methods, systems, and articles of manufacture for enabling beta testing of new features within a native application. In one embodiment, a native application executed by a client device may include executable instructions that are activated and executed only upon indication of a user belonging to a beta test group. ... Capital One Financial Corporation

01/08/15 / #20150012436

System and method for fraud control

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.. ... Capital One Financial Corporation

01/08/15 / #20150012400

Systems and methods for switching credit card accounts

Systems and methods are disclosed that provide credit card account switching processes. In certain embodiments, a card switch system is disclosed to automate or near-automate one or more processes for effectuating the switch of a credit card account from one card carrier to another. ... Capital One Financial Corporation








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