Capital One Financial had 141 patents in mobile during Q1 2024. Capital One Financial Corp filed patents for systems and methods allowing separate interest rates for individual transactions, updating payment card numbers using cryptographic techniques, screening and responding to incoming calls for fund transfers, confirming user identity during call sessions, and utilizing hand gestures from an AR device to control a front-end device. GlobalData’s report on Capital One Financial gives a 360-degree view of the company including its patenting strategy. Buy the report here.

Capital One Financial grant share with mobile as a theme is 48% in Q1 2024. Grant share is based on the ratio of number of grants to total number of patents.

Recent Patents

Application: Systems and methods for providing a separate interest rate for an individual transaction (Patent ID: US20240104644A1)

The patent filed by Capital One Financial Corp. discloses systems and methods for providing a separate interest rate for individual transactions within an account. The system includes a service device with memory devices and processors to execute instructions for offering a separate interest rate service to clients. This service involves receiving a separate interest rate selection from the client device, determining a selected portion of the account balance for applying a second interest rate different from the first interest rate, and maintaining parallel data structures for transaction data associated with different interest rates.

The computer-implemented method described in the patent involves generating separate data structures in an electronic database for transactions with different interest rates, modifying these structures based on the respective interest rates, and updating transaction amounts based on finance charges. The method also includes providing potential transactions to users, receiving selected transactions, and automatically generating parallel data structures for these transactions. Additionally, the method involves monitoring the expiration of finance charges, merging data structures when finance charges expire, and notifying users of such expirations. The patent also covers eligibility criteria for service offers, historical user transaction data, and the calculation of finance charges using different interest rates.

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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.