Capital One Financial had 130 patents in regtech during Q4 2023. Capital One Financial Corp’s patents in Q4 2023 focus on monitoring post-transaction adjustments, assessing credit risk using blockchain technology, detecting card skimming threats, authenticating users with virtual payment cards, and verifying transactions based on sensor data. These technologies aim to enhance security and fraud prevention measures in financial transactions. 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 regtech 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: Systems and methods for monitoring post-transaction adjustments (Patent ID: US20230419314A1)

The patent filed by Capital One Financial Corp. describes a system for monitoring post-transaction adjustments. The system utilizes machine learning models to determine if a transaction indicates a post-transaction event (PTE) and prompts users to confirm and enter post-transaction amounts (PTA). It monitors data for updates, matches PTAs, confirms transactions, and initiates fraud prevention actions if discrepancies are detected. The system aims to enhance transaction security and accuracy by involving users in verifying and confirming post-transaction events.

The system's functionality includes displaying notifications on user devices, analyzing transaction data, and facilitating user input to confirm or dispute post-transaction amounts. By leveraging machine learning models and various factors like transaction history and geographic location, the system ensures accurate post-transaction monitoring. It also enables users to dispute transactions, adjust post-transaction amounts, and receive notifications for potential discrepancies. Overall, the system provides a comprehensive approach to post-transaction monitoring, confirmation, and fraud prevention, enhancing user control and security in financial transactions.

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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.