Colleen E Kerr

US Patent:

20200219101, Jul 9, 2020

Filed:

Feb 20, 2020

Appl. No.:

16/796003

Inventors:

- McLean VA, US
Riken SHAH - Ashburn VA, US
Joshua WILBUR - Potomac MD, US
Jeffrey SAMITT - Glen Allen VA, US
Colleen KERR - Washington DC, US

Assignee:

Capital One Services, LLC - McLean VA

International Classification:

G06Q 20/40
G06Q 40/02
G06Q 20/10

Abstract:

Systems and methods are provided for managing a cash advance service associated with a payment account of a user. An exemplary method may include providing, to a device of the user, instructions to display an application interface, the application interface receiving user requests to enable and disable the cash advance service. The method may also include receiving, through the application interface, a request to enable the cash advance service. The method may further include associating a transaction rule with the payment account, the transaction rule defining a condition upon which approval of a cash advance transaction is permitted. The method may further include receiving a cash advance transaction authorization request associated with the payment account. The method may further include approving the cash advance transaction authorization request when the condition is met and declining the cash advance transaction authorization request when the condition is not met.

US Patent:

20200118132, Apr 16, 2020

Filed:

Oct 12, 2018

Appl. No.:

16/159097

Inventors:

- McLean VA, US
Joshua WILBUR - Potomac MD, US
Sruthi KATTAMURI - McLean VA, US
Krystle VOSS - Alexandria VA, US
Colleen KERR - Chicago IL, US
Riken SHAH - Ashburn VA, US
Jeffrey SAMITT - Glen Allen VA, US

Assignee:

Capital One Services, LLC - McLean VA

International Classification:

G06Q 20/40
G06Q 20/28
G06Q 20/10

Abstract:

The disclosed embodiments generally relate to systems and methods for implementing user-authorized recurring transactions with trusted merchants for fraud prevention. In one embodiment, a computer-implemented method is disclosed, in which a payment processing network receives a payment request via a computer network, and determines a payment account associated with the received payment request. The payment processing network determines that the payment account is unusable because fraudulent activity has been identified with the payment account, and that the payment request is a recurring payment request. The payment processing network transmits a fraud decline override request to a financial service provider system, and based on a fraud decline override response received from the financial service provider system, processes the payment request.

US Patent:

20200118133, Apr 16, 2020

Filed:

Mar 13, 2019

Appl. No.:

16/351747

Inventors:

- McLean VA, US
Joshua WILBUR - Potomac MD, US
Sruthi KATTAMURI, I - McLean VA, US
Krystle VOSS - Alexandria VA, US
Colleen KERR - Chicago IL, US
Riken SHAH - Ashburn VA, US
Jeffrey SAMITT - Glen Allen VA, US

Assignee:

Capital One Services, LLC - McLean VA

International Classification:

G06Q 20/40
G06Q 20/10
G06Q 20/28

Abstract:

The disclosed embodiments generally relate to systems and methods for implementing user-authorized recurring transactions with trusted merchants for fraud prevention. In one embodiment, a computer-implemented method is disclosed, in which a payment processing network receives a payment request via a computer network, and determines a payment account associated with the received payment request. The payment processing network determines that the payment account is unusable because fraudulent activity has been identified with the payment account, and that the payment request is a recurring payment request. The payment processing network transmits a fraud decline override request to a financial service provider system, and based on a fraud decline override response received from the financial service provider system, processes the payment request.

US Patent:

20200058027, Feb 20, 2020

Filed:

Oct 24, 2019

Appl. No.:

16/662953

Inventors:

- Mclean VA, US
Zeel Maharshi JHA - Ashburn VA, US
Colleen KERR - Washington DC, US
Henry Feer JOYCE - Arlington VA, US
Joshua M. WILBUR - Potomac MD, US
John William SCHMIDT - Falls Church VA, US
Krystle VOSS - Alexandria VA, US
Riken SHAH - Ashburn VA, US

Assignee:

Capital One Services, LLC - McLean VA

International Classification:

G06Q 20/40

Abstract:

Systems and methods are provided for blocking charges from a merchant to a payment account of a user. An exemplary system may include one or more memory devices storing instructions and one or more processors configured to execute the instructions to perform various operations. The operations may include receiving, from the user, a dispute request to dispute a charge to the payment account applied by the merchant. In response to the dispute request, the operations may include determining whether to block subsequent charges applied by the merchant to the payment account, based on a history of charging activities of the merchant. Responsive to a determination to block subsequent charges, the operations may include adding the merchant to a block-charge list associated with the payment account.

US Patent:

20190347664, Nov 14, 2019

Filed:

May 9, 2018

Appl. No.:

15/975441

Inventors:

- McLean VA, US
Riken SHAH - Ashburn VA, US
Joshua WILBUR - Potomac MD, US
Jeffrey SAMITT - Glen Allen VA, US
Colleen KERR - Washington DC, US

Assignee:

Capital One Services, LLC - McLean VA

International Classification:

G06Q 20/40
G06Q 20/10
G06Q 20/34
G06Q 20/24

Abstract:

Systems and methods are provided for managing a cash advance service associated with a payment account of a user. An exemplary method may include providing, to a device of the user, instructions to display an application interface, the application interface receiving user requests to enable and disable the cash advance service. The method may also include receiving, through the application interface, a request to enable the cash advance service. The method may further include associating a transaction rule with the payment account, the transaction rule defining a condition upon which approval of a cash advance transaction is permitted. The method may further include receiving a cash advance transaction authorization request associated with the payment account. The method may further include approving the cash advance transaction authorization request when the condition is met and declining the cash advance transaction authorization request when the condition is not met.

US Patent:

20190347665, Nov 14, 2019

Filed:

May 9, 2018

Appl. No.:

15/975467

Inventors:

- McLean VA, US
Riken SHAH - Ashburn VA, US
Joshua M. WILBUR - Potomac MD, US
Samuel FAHLER - Arlington VA, US
Colleen KERR - Washington DC, US
Jeffrey SAMITT - Glen Allen VA, US

Assignee:

Capital One Services, LLC - McLean VA

International Classification:

G06Q 20/40
G06F 3/0482

Abstract:

Systems and methods are provided for managing foreign transactions. An exemplary method may include providing, to a device of the user, instructions to display an application interface. The application interface may receive user requests to specify a foreign geographical area and to enable and disable the foreign transaction service in the foreign geographical area. The method may also include receiving, through the application interface, a request to enable the foreign transaction service. The method may include associating a transaction rule with the payment account. The transaction rule may define a condition upon which approval of a foreign transaction is permitted. The method may also include receiving a foreign transaction authorization request associated with the payment account. The method may also include approving the foreign transaction authorization request when the condition is met and declining the foreign transaction authorization request when the condition is not met.

US Patent:

20180158044, Jun 7, 2018

Filed:

Jan 12, 2018

Appl. No.:

15/870834

Inventors:

- McLean VA, US
Samantha SCHNEIDER - Alexandria VA, US
Jessica BOWMAN - McLean VA, US
Colleen KERR - Washington DC, US
Riken SHAH - Ashburn VA, US
Min Jung KIM - Fairfax VA, US
Zeel JHA - Ashburn VA, US
John SCHMIDT - Falls Church VA, US
Krystle VOSS - Washington DC, US
Joshua WILBUR - Potomac MD, US
Abhinav AGRAWAL - Washington DC, US
Jeffrey SAMITT - Glen Allen VA, US

Assignee:

Capital One Services, LLC - McLean VA

International Classification:

G06Q 20/32
G06Q 20/34
G06Q 20/20
G06Q 20/40

Abstract:

A system for temporarily enabling an otherwise disabled payment account for use in a transaction is configured to provide, based on a determination to disable a user's payment account, instructions to a user device of the user for displaying an application interface enabling the user to request to temporarily register the payment account for use in a transaction. The system is configured to receive a request, from the user device, to temporarily register the user's payment account to enable use of the payment account in a transaction, wherein the payment account is otherwise disabled based on a determination of fraud or possible fraud on the payment account, associate with the payment account, a transaction rule responsive to the request, the transaction rule defining a window of time in which a received transaction authorization request may be authorized for the payment account, and determine whether to approve the received transaction authorization request according to the temporary transaction rule, the determination being based on whether the transaction authorization request is received during the window of time. The system is also configured to transmit an authorization response to the transaction authorization request based on the determination.

US Patent:

20180114212, Apr 26, 2018

Filed:

Dec 14, 2017

Appl. No.:

15/842853

Inventors:

- McLean VA, US
Samantha SCHNEIDER - Alexandria VA, US
Jessica BOWMAN - Mclean VA, US
Colleen KERR - Washington DC, US
Riken SHAH - Ashburn VA, US
Min Jung KIM - Fairfax VA, US
Zeel JHA - Ashburn VA, US
John SCHMIDT - Falls Church VA, US
Krystle VOSS - Washington DC, US
Joshua WILBUR - Potomac MD, US
Abhinav AGRAWAL - Washington DC, US
Jeffrey SAMITT - Glen Allen VA, US

Assignee:

Capital One Services, LLC - McLean VA

International Classification:

G06Q 20/32
G06Q 20/34
G06Q 20/20
G06Q 20/40

Abstract:

A system for temporarily enabling an otherwise disabled payment account for use in a transaction is configured to provide, based on a determination to disable a user's payment account, instructions to a user device of the user for displaying an application interface enabling the user to request to temporarily register the payment account for use in a transaction. The system is configured to receive a request, from the user device, to temporarily register the user's payment account to enable use of the payment account in a transaction, wherein the payment account is otherwise disabled based on a determination of fraud or possible fraud on the payment account, associate with the payment account, a transaction rule responsive to the request, the transaction rule defining a window of time in which a received transaction authorization request may be authorized for the payment account, and determine whether to approve the received transaction authorization request according to the temporary transaction rule, the determination being based on whether the transaction authorization request is received during the window of time. The system is also configured to transmit an authorization response to the transaction authorization request based on the determination.