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1. 发明授权

US10482497B2 System and method for providing smart statements 有权
公开(公告)号：US10482497B2
公开(公告)日：2019-11-19
申请号：US14158449
申请日：2014-01-17
申请人： Capital One Financial Corporation
发明人： Thomas S. Poole , Luke A. Hammock , Janusz Michael Niczyporuk
IPC分类号： G06Q30/00 , G06Q30/02 , G06Q40/02
摘要： Systems and methods for providing purchase driven financial statements include an account processor that receives account data associated with one or more financial accounts of the account holder and advertising data via a network; one or more databases that stores at least the received account data and the received advertising data; and a statement processor that creates a financial statement based at least in part on the account data and the advertising data, provides the financial statement to an account holder, and tracks the account holder's future account data based on the provided advertising data.

2. 发明申请

US20160027029A1 SYSTEMS AND METHODS FOR PRODUCT PLACEMENT OPTIMIZATION BY SENSING CUSTOMER TRAFFIC IN STORES 审中-公开
标题翻译：产品放置系统和方法通过感受客户在交通运输中的优化
公开(公告)号：US20160027029A1
公开(公告)日：2016-01-28
申请号：US14811151
申请日：2015-07-28
申请人： Capital One Financial Corporation
发明人： Thomas S. Poole
IPC分类号： G06Q30/02 , G06Q10/08
CPC分类号： G06Q30/0205 , G06Q10/087
摘要： 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. The operations include receiving a sensor signal indicating that a user device is within a proximity to the at least one sensor in the retail store, extracting a user device identifier from the sensor signal, correlating the sensor signal to the at least one display, generating a foot traffic record associated with the user device identifier and the at least one display, based on the received sensor signal, and storing the generated foot traffic record.
摘要翻译：所公开的实施例通常涉及店内客户流量分析系统和方法。该系统包括位于零售商店内的至少一个传感器，与至少一个传感器相关联的至少一个显示器，存储指令的一个或多个存储器设备和被配置为执行指令以执行操作的一个或多个硬件处理器。操作包括接收指示用户设备在零售店内的至少一个传感器附近的传感器信号，从传感器信号中提取用户设备标识符，将传感器信号与至少一个显示器相关联，生成基于所接收的传感器信号，与所述用户设备标识符和所述至少一个显示器相关联的足够业务记录，以及存储所生成的足部业务记录。

3. 发明授权

US10242368B1 System and method for providing software-based contactless payment 有权
公开(公告)号：US10242368B1
公开(公告)日：2019-03-26
申请号：US13653759
申请日：2012-10-17
申请人： CAPITAL ONE FINANCIAL CORPORATION
发明人： Thomas S. Poole
IPC分类号： G06Q20/42 , G06Q20/40
摘要： Systems and methods provide software-based contactless payments. According to various embodiments, a system for software-based contactless payment includes a token manager that generates a token and provides the token to a mobile device of a customer for use with a transaction, a communication interface that receives the token in association with a transaction, and a processor that processes the token using to determine whether to authorize the transaction.

4. 发明授权

US10044412B1 System and method for providing contactless payment with a near field communications attachment 有权
公开(公告)号：US10044412B1
公开(公告)日：2018-08-07
申请号：US15290250
申请日：2016-10-11
申请人： Capital One Financial Corporation
发明人： Thomas S. Poole , Paul Young Moreton
IPC分类号： H04B5/00 , G06Q20/32 , G06K19/07 , H04W4/00
摘要： 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.

5. 发明授权

US10043175B2 Enhanced near field communications attachment 有权
公开(公告)号：US10043175B2
公开(公告)日：2018-08-07
申请号：US14966656
申请日：2015-12-11
申请人： Capital One Financial Corporation
发明人： Thomas S. Poole , Paul Young Moreton , Hutch Douglas , Anthony Swider, III , Thomas Christopher Clarke
IPC分类号： G06Q20/32 , H04W4/80 , H04B5/00 , G06F9/50 , H04L29/06 , H04W12/06 , G06K19/077 , G06Q20/36 , G06Q20/38 , G06Q20/40 , G06Q30/02 , G06Q30/06 , G06K19/07
摘要： 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. In such an embodiment, a fob may be disabled if the fob is not paired with the mobile device by virtue of being disconnected and/or physically separated from the mobile device. The secure fob also may include enhanced features to authorize transactions and locate the mobile device and/or the secure fob.

6. 发明授权

US11030637B2 System and method providing flow-through private label card acquisition 有权
公开(公告)号：US11030637B2
公开(公告)日：2021-06-08
申请号：US14288069
申请日：2014-05-27
申请人： Capital One Financial Corporation
发明人： Thomas S. Poole , David E. Keating , Drew Jacobs , Janusz M. Niczyporuk , Luke A. Hammock
IPC分类号： G06Q30/02
摘要： The disclosed embodiments include methods, systems, and articles of manufacture for providing offers for merchant accounts. The disclosed embodiments include, for example, a system for providing offers for accounts associated with a merchant. The system may be configured to receive a product identifier from a consumer, the product identifier identifying a product available from a merchant. The system may also determine whether the consumer has a current financial service account associated with the merchant. Further, the system may determine one or more incentives to offer the consumer, the one or more incentives being based at least in part on the product identifier. The system may also generate an invitation to apply for a new financial service account associated with the merchant when the consumer does not have a current financial service account associated with the merchant, communicate the invitation to apply to the consumer, and award the one or more incentives to the consumer based on a response to the invitation to apply.

7. 发明授权

US09378496B1 System and method for providing contactless payment with a near field communications attachment 有权
公开(公告)号：US09378496B1
公开(公告)日：2016-06-28
申请号：US14876966
申请日：2015-10-07
申请人： Capital One Financial Corporation
发明人： Thomas S. Poole , Paul Young Moreton
IPC分类号： H04B5/00 , G06Q20/32
CPC分类号： H04B5/0031 , G06K19/0727 , G06K19/07769 , G06Q20/10 , G06Q20/202 , G06Q20/204 , G06Q20/3226 , G06Q20/3278 , G06Q20/367 , G06Q2220/00 , H04B5/0062 , H04W4/80
摘要： 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.

8. 发明授权

US10304083B2 Systems and methods for offering products using linked transactions 有权
公开(公告)号：US10304083B2
公开(公告)日：2019-05-28
申请号：US16124131
申请日：2018-09-06
申请人： CAPITAL ONE FINANCIAL CORPORATION
发明人： Thomas S. Poole , David E. Keating , Drew Jacobs , Janusz M. Niczyporuk , Luke A. Hammock
IPC分类号： G06Q30/02
摘要： The disclosed embodiments include methods, systems, and articles of manufacture for providing offers for linked transactions. Transaction data corresponding to a first product physically purchased using a financial service account and product identification data identifying the first purchased product are received. The transaction data and the product identification data are associated. A consumer that purchased the first product is determined based on at least the transaction data. Follow-on purchase to offer for sale to the consumer based on the product identification data is determined and a follow-up purchase offer to purchase the follow-on product is generated. The consumer is provided with the follow-on purchase offer to enable the consumer to purchase the follow-on product in an electronic commerce purchase transaction.

9. 发明授权

US09489672B1 System and method for providing contactless payment with a near field communications attachment 有权
公开(公告)号：US09489672B1
公开(公告)日：2016-11-08
申请号：US14976661
申请日：2015-12-21
申请人： Capital One Financial Corporation
发明人： Thomas S. Poole , Paul Young Moreton
IPC分类号： H04B5/00 , G06Q20/32 , H04W4/00
CPC分类号： H04B5/0031 , G06K19/0727 , G06K19/07769 , G06Q20/10 , G06Q20/202 , G06Q20/204 , G06Q20/3226 , G06Q20/3278 , G06Q20/367 , G06Q2220/00 , H04B5/0062 , H04W4/80
摘要： 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.

10. 发明授权

US09177312B1 System and method for providing contactless payment with a near field communications attachment 有权
公开(公告)号：US09177312B1
公开(公告)日：2015-11-03
申请号：US14156941
申请日：2014-01-16
申请人： Capital One Financial Corporation
发明人： Thomas S. Poole , Paul Young Moreton
IPC分类号： H04B5/02 , G06Q20/32 , G06K19/07 , G06Q20/10
CPC分类号： H04B5/0031 , G06K19/0727 , G06K19/07769 , G06Q20/10 , G06Q20/202 , G06Q20/204 , G06Q20/3226 , G06Q20/3278 , G06Q20/367 , G06Q2220/00 , H04B5/0062 , H04W4/80
摘要： 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.

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