Capital One Financial had 130 patents in ecommerce during Q4 2023. Capital One Financial Corp’s patents in Q4 2023 focus on innovative pricing strategies, transaction cost assessment for users, smart video conference environments, and personalized gaming experiences. These patents involve determining prices based on product attributes, utilizing transaction data for pricing models, assessing transaction costs based on user categories, creating virtual backgrounds for video conferences, and determining exchange rates for virtual points in gaming based on user profiles. 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 ecommerce as a theme is 49% in Q4 2023. Grant share is based on the ratio of number of grants to total number of patents.

Recent Patents

Application: Determining a change to product information or user information via hashing (Patent ID: US20230421356A1)

The patent filed by Capital One Financial Corp. describes a method and device for determining the price of a product based on information concerning the attributes of the product. The device generates hash values and bit-strings based on the information, allowing for the determination of changes in attributes and subsequently adjusting the price accordingly. The method involves obtaining initial information, generating bit-strings, obtaining updated information, comparing the bit-strings, and displaying information indicating a change in price based on the comparison.

The device utilizes processors and memories to obtain, generate, and compare information related to the product, allowing for dynamic pricing adjustments based on changes in attributes. The method can be applied to various scenarios, such as user information or product information, and involves parsing data, processing information using machine learning models, and displaying price changes to users. Additionally, the device can interact with user devices, servers associated with financial institutions or merchants, and utilize various types of information to determine price adjustments, ensuring accurate and timely updates based on changing attributes.

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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.