Alexander M Lin

US Patent:

20230055897, Feb 23, 2023

Filed:

Aug 17, 2021

Appl. No.:

17/404629

Inventors:

- McLean VA, US
Daniel Miller - Astoria NY, US
Lisa Guo - Herndon VA, US
Xiaoguang Zhu - Great Neck NY, US
Alexander Lin - Arlington VA, US
Vyjayanthi Vadrevu - Pflugerville TX, US
Cameron Noah - Bethesda MD, US

International Classification:

G06Q 40/02
G06Q 20/40
G06Q 30/00
G06Q 50/30

Abstract:

Systems, apparatuses, and methods are described for adjustment of card configurations for flight interruptions. Past flight interruptions that users experienced may be determined. Transactions conducted via the users’ payment cards during the past flight interruptions may be determined. The data may be used for determining customized metrics for adjusting card configurations of the payment cards during current flight interruptions. Default metrics for adjusting card configurations of the payment cards during current flight interruptions may be determined. Current flight statuses may be monitored for the users. Current flight interruptions may be detected for the users. Card configurations of the payment cards may be adjusted during the detected current flight interruptions.

US Patent:

20230048345, Feb 16, 2023

Filed:

Aug 16, 2021

Appl. No.:

17/445136

Inventors:

- McLean VA, US
Joshua EDWARDS - Philadelphia PA, US
Phoebe ATKINS - Rockville VA, US
Max MIRACOLO - Brooklyn NY, US
Cruz VARGAS - Denver CO, US
Brian MCCLANAHAN - Silver Spring MD, US
Alexander LIN - Arlington VA, US
Louis BUELL - Chevy Chase MD, US
Michael MOSSOBA - Great Falls VA, US

International Classification:

G06Q 40/02
G06F 40/289
G06F 40/58

Abstract:

In some implementations, a credit decision platform may receive a credit request from an applicant and obtain domestic historical data associated with the applicant from a credit bureau device. The credit decision platform may obtain access to an email account associated with the applicant based on determining that the domestic historical data associated with the applicant is insufficient to process the credit request. The credit decision platform may identify, using one or more machine learning models, a set of email messages included in the email account that are relevant to the credit request and may analyze content included in the set of email messages to generate non-domestic historical data associated with the applicant. The credit decision platform may generate a decision on the credit request based on an estimated creditworthiness of the applicant, which may be determined based on the non-domestic historical data.

US Patent:

20230052787, Feb 16, 2023

Filed:

Jun 13, 2022

Appl. No.:

17/838349

Inventors:

- McLean VA, US
Max Miracolo - Brooklyn NY, US
Joshua Edwards - Philadelphia PA, US
Brian McClanahan - Silver Spring MD, US
Alexander Lin - Arlington VA, US
Lin Ni Lisa Cheng - New York NY, US
Cruz Vargas - Denver CO, US

Assignee:

Capital One Services, LLC - McLean VA

International Classification:

G06F 16/9032
G06F 16/9035
G06F 16/9038
G06N 20/00
G06K 9/62
G06F 16/901

Abstract:

A processor may receive data and generate a quantified representation of the data by processing the data using at least one machine learning (ML) algorithm, the quantified representation of the data indicating a sentiment of content of the data. The processor may automatically revise the content of the communications data. The revising may include determining a reaction to the content of the communications data, generating a quantified representation of the reaction, determining a difference between the quantified representation of the reaction and the quantified representation of the communications data, identifying, based on the difference, a portion of the content having an unintended sentiment, and replacing the portion of the content with different content.