Capital One Financial had 400 patents in digitalization during Q3 2023. Capital One Financial Corp filed several patents during Q3 2023. One patent describes a device that processes recording data to identify characteristics of an individual associated with an account, allowing the recording to be accessible to the user. Another patent involves configuring a user interface of an application to display messages based on transaction information. A third patent involves a processor processing an authorization request according to a command, either by a payment authorization system or an alternative. Another patent describes location-based activation of card identifiers using an electrophoretic display card. Lastly, a patent involves a system and method for providing current offers from retailers to a user based on their transaction history and present geographic location. GlobalData’s report on Capital One Financial gives a 360-degreee view of the company including its patenting strategy. Buy the report here.

Capital One Financial grant share with digitalization as a theme is 41% in Q3 2023. Grant share is based on the ratio of number of grants to total number of patents.

Recent Patents

Application: Transaction tracking and fraud detection using voice and/or video data (Patent ID: US20230274282A1)

The patent filed by Capital One Financial Corp. describes a device and method for processing recording data associated with a user's account transactions. The device receives recording data that captures the user describing a transaction and processes it to identify characteristics of the individual who described the transaction. It then determines whether the individual is the user associated with the account. If so, the device stores the recording data in association with transaction data that identifies a list of transactions associated with the user's account. This allows the user to access the recording through an account management application interface.

The method involves analyzing the recording data to determine transaction characteristics, applying these characteristics to a risk score model, and determining a risk score for the transaction. The risk score model is a neural network model trained on historical transaction data. If the risk score meets or exceeds a threshold, the recording data is stored with the transaction data.

Additional features of the invention include the ability to store the recording data in a data structure that enables the authorized user to search for the recording using a search feature. The recording can capture gestures associated with the authorized user. The method also involves comparing datasets of facial or voice-related characteristics of the individual in the recording with corresponding datasets of the authorized user. Machine learning techniques can be used to determine whether the individual associated with the recording is the authorized user. The method also includes identifying missing transaction characteristics and performing actions based on this identification. The device can determine whether to permit or prevent the transaction from being processed based on the risk score.

In summary, the patent describes a device and method for processing recording data associated with user account transactions. The device analyzes the recording data, applies transaction characteristics to a risk score model, and stores the recording data with transaction data if the risk score meets a threshold. The invention includes features such as searching for recordings, capturing gestures, comparing characteristics, using machine learning, and taking actions based on missing transaction characteristics.

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GlobalData, the leading provider of industry intelligence, provided the underlying data, research, and analysis used to produce this article.

GlobalData Patent Analytics tracks bibliographic data, legal events data, point in time patent ownerships, and backward and forward citations from global patenting offices. Textual analysis and official patent classifications are used to group patents into key thematic areas and link them to specific companies across the world’s largest industries.