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Capital One Financial Corporation patents (2016 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


Systems and methods for providing searchable customer call indexes

A system and method is provided for providing searchable customer call indexes. Consistent with disclosed embodiments, a system may receive call information associated with telephone conversations between callers and a vendor, the call information including an audio recording or transcript for each telephone conversation. ... Capital One Financial Corporation

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

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

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

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

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

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

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

Systems and methods for providing searchable customer call indexes

A system and method is provided for providing searchable customer call indexes. Consistent with disclosed embodiments, a system may receive call information associated with telephone conversations between callers and a vendor, the call information including an audio recording or transcript for each telephone conversation. ... Capital One Financial Corporation

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

System and method for transaction learning

A system and method a method for providing for providing personalized transaction learning and tagging. The method may include tagging transactions associated with one or more financial accounts belonging to an account holder, whether the account holder be the primary, secondary, or a related account holder, such as a spouse, parent, guardian, and the like. ... Capital One Financial Corporation

Systems and methods for processing transactions using payment tokens

A computer system is enabled to process a transaction. The computer system receives a financial account holder identifier and a merchant identifier and generates a payment token uniquely associated with the financial account holder and merchant. ... Capital One Financial Corporation

Systems and methods for accessible widget selection

Methods and systems are disclosed for enabling item selection in a widget. An example method comprises receiving at an electronic device, from a server, code instructing the electronic device to display a widget having a grid comprising one or more cells configured for point-and-click selection. ... 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

03/17/16 / #20160078568

System and method for providing a spend memory record

Systems and methods include a database maintained by a financial institution that stores transaction data associated with a previous financial transaction performed via a financial account of a respective account holder, wherein the transaction data comprises a transaction location and a transaction timestamp, a spend memory processor of the financial institution that retrieves the transaction data from the database, interacts with a social linking application programming interface (api) to receive, via a network, social data from a social networking site, wherein the social data comprises a social location and a social timestamp, compares the social data to the transaction data, and creates a spend memory record based on one or more similarities between the social data and the transaction data, and a communication interface of the financial institution that provides the spend memory record to a mobile device associated with the account holder.. . ... Capital One Financial Corporation

03/17/16 / #20160078430

System and method for digital authentication

A system and method for push notification authentication includes a communication interface that communicates with a mobile device via a network, a digital security delivery database that stores information about a user that is enrolled in push notification authentication, the information about a user that is enrolled in push notification authentication hardware includes characteristics of the mobile device and login information for the user, and an application programming interface (api) framework coupled to the communication interface that receives information indicating that a transaction requiring push notification authentication has been approved by a user of the mobile device, updates the digital security delivery database to indicate that the transaction requiring push notification authentication has been approved by the user, and transmits a transaction status to the mobile device.. . ... Capital One Financial Corporation

03/17/16 / #20160078417

System and method for providing a driverless portable atm

Systems and methods include a database of a financial institution that maintains a respective status of a plurality of driverless mobile automated teller machines (atms), the status of each of the plurality of driverless mobile atms indicating the location of the respective driverless mobile atm and the amount of cash available for withdrawal from the driverless mobile atm, a communication interface that receives a request for a driverless mobile atm from a user device via a network, the request including user device location data, a location processor that compares the user device location data to location data associated with the plurality of mobile atms, and determines a first mobile atm from the plurality of driverless mobile atms that is closest to the user device based on the user device location data, wherein the communication interface transmits a first alert that includes the request to the first driverless mobile atm via a network, receives a response from the driverless mobile atm via the network, transmits a second alert that includes the location of the first driverless mobile atm and an estimated time that the driverless first mobile atm will arrive at the location associated with the user device location data to the user device, and receives confirmation that the transaction occurred from the first driverless mobile atm, and wherein the first driverless mobile atm either provides cash to a user associated with the user device or receives cash from the user associated with the user device, and a transaction processor of the backend system of the financial institution that process the transaction based on the received confirmation.. . ... Capital One Financial Corporation

03/17/16 / #20160078416

System and method for providing a portable atm

Embodiments include a database that maintains a respective status of mobile atms that indicates the location and cash available for withdrawal, a communication interface that receives a request for a mobile atm from a user device, the request including user device location data, a location processor that compares the user device location data to location data of the mobile atms, and determines a first mobile atm that is closest to the user device based on the user device location data, and a backend transaction processor that processes the transaction when confirmed. The communication interface transmits an alert that includes the request to the first mobile atm, receives a response, transmits another alert that includes the location of the first mobile atm and an estimated time that the first mobile atm will arrive at the location associated to the user device, and receives confirmation from the first mobile atm.. ... Capital One Financial Corporation

03/17/16 / #20160076297

Systems and methods for marking individuals with an indentifying susbstance

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

03/10/16 / #20160071203

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

03/10/16 / #20160071085

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

03/10/16 / #20160070941

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

03/03/16 / #20160063484

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

03/03/16 / #20160063478

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

03/03/16 / #20160063455

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

02/25/16 / #20160055514

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

02/18/16 / #20160048846

System and method for digital authentication

A system and method a method for digital authorization including a customer authentication system with at least one customer authentication device, where the customer authentication system is, for example, a customer authentication system that receives customer data from via a network associated with a customer authentication request, receives customer input associated with the authentication request, generates authentication data based on, for example, the customer data and the customer input, where the authentication data is randomly generated, generates a second authentication request comprising the authentication data, transmits the authentication request via a notification based on a customer preference, receives an authentication response based on the second authentication request, and provides access to the customer data based on the authentication response.. . ... Capital One Financial Corporation

02/18/16 / #20160048842

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

A system and method includes a communication interface of a customer service system that receives, via a network, a request from a customer device to link a social media account and at least one customer device with the customer service system, a social linking application programming interface that enables a social network system to interact with the customer service system and links the customer device to the social media account, a database that stores the link between the customer device and the social media account, a location detector that detects the at least one linked customer device when the at least one customer device is within a predetermined range of a customer service device associated with the customer service system, an alert system that generates a notification based on the customer device being within a predetermined range of the customer service device, a processor that interacts with the social linking application programming interface analyzes the linked social media account to determine at least one customer interest and generate a listing of customer service offers based on the at least one customer interest. The alert system automatically provides at least one of the customer service offers to the customer device.. ... Capital One Financial Corporation

02/18/16 / #20160048823

System and method for providing a group account

Systems and methods include a group fund processor having a communications interface that receives account data associated with a primary account from a device over a network, creates a group fund account, and associate one or more limits with the group fund account based on at least one selection received from the device, an alert interface that transmits an electronic invitation including a description of a first amount to an invited user over the network and receives a response from the invited user to the at least one invitation via the network, wherein the response includes account data associated with a respective group member account of the invited user; and an account processor that links the group fund account to the primary account so that the group fund account may fund the first account, and links respective group member account of the invited user to the group fund account so that the first amount is transferred from the respective group member account of the invited user to the group fund account.. . ... Capital One Financial Corporation

02/18/16 / #20160048817

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

02/18/16 / #20160048421

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

02/04/16 / #20160034877

System and method for providing contactless payment with a near field communications attachment

A system and method in accordance with exemplary embodiments may include an attachment with a near field communication antenna, a secure element, a plug capable of connecting the attachment to an audio jack on a mobile device. Further, a system and method in accordance with exemplary embodiments may include receiving a payment initiation instruction from a customer, using a near field communication antenna, sending payment information to a point of sale device, using one or more computer processors, encoding data related to the payment as audio data, and transmitting the data related to the payment through an audio jack.. ... Capital One Financial Corporation

01/28/16 / #20160027029

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

01/21/16 / #20160019552

System and method for using social media information to identify and classify users

Systems and methods include an application programming interface that enables a service provider system to interact with a social media system, a database associated with the customer service provider system, an empathy processor that transmits a request for empathy data to the social media system via a network using the application programming interface, wherein the request includes one or more keywords, and receives one or more empathy data segments from the social media system, wherein each of the one or more empathy data segments are associated with a user, a rules processor that evaluates the one or more empathy data segments based on a plurality of criteria, identifies the respective user associated with each of the one or more empathy data segments, and stores this classification in the database, and an alert processor associated with the customer service system that generates an alert based on the classification of the user.. . ... Capital One Financial Corporation

01/07/16 / #20160005113

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








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



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