Michelle Suzanne Olenoski

US Patent:

20230052968, Feb 16, 2023

Filed:

Aug 9, 2022

Appl. No.:

17/818543

Inventors:

- McLean VA, US
Michelle OLENOSKI - Washington DC, US

Assignee:

Capital One Services, LLC - McLean VA

International Classification:

G06Q 20/34
G06Q 20/40
G06Q 20/24
G06F 3/04815
G06F 3/01
G06T 19/00

Abstract:

Disclosed are systems and methods for utilizing virtual reality for virtual cards. For example, a method of determining verification information may include: obtaining an image of a merchant site of a merchant captured by at least one camera of a first computing device, wherein the merchant site is displayed on a display of a second computing device; identifying one or more characters in the captured image; determining that the identified one or more characters indicate a virtual credit card number associated with a user; determining a card verification value associated with the virtual credit card number and an expiration date associated with the virtual credit card number; and displaying information regarding the determined virtual credit card number on a display of the first computing device.

US Patent:

20210398205, Dec 23, 2021

Filed:

Jun 19, 2020

Appl. No.:

16/906400

Inventors:

- McLean VA, US
Michelle OLENOSKI - Washington DC, US

International Classification:

G06Q 40/02
G06Q 10/06
G06Q 20/34
G06Q 20/40
H04L 29/06
G06F 16/23
G06N 20/00
G06N 5/04
H04L 29/08

Abstract:

In a method for changing a user's bank account information in merchant account databases a server receives a login request including a user identification and first user authentication information. The server further receives a request to change bank account information from a first bank account to a second bank account for merchant accounts of the user and network login information for the first bank account. The server accesses an account information database for the first bank account and downloads transaction information for merchant transactions involving the first bank account. The server identifies a set of merchant user accounts involved in the merchant transactions and receives account login information for a data site associated with a selected account. The server accesses the data site and changes a bank account identification stored therein from the first bank account to the second bank account.

US Patent:

20210350381, Nov 11, 2021

Filed:

May 11, 2020

Appl. No.:

16/871731

Inventors:

- McLean VA, US
Michelle S. Olenoski - Washington DC, US

International Classification:

G06Q 20/40
G06Q 20/34
G06K 9/62
G06N 20/00

Abstract:

Aspects described herein may relate to methods, systems, and apparatuses for applying machine learning techniques as part of registering, for a user, a payment card with at least one account of a merchant. The machine learning technique may be an unsupervised learning classifier that is configured to determine classifications of merchant groups and/or user groups. Based on a classification, the user may be able to select which merchants to register the payment card. Based on the selection, the payment card may be registered with the user's account at the selected merchants. Further, the registration may be performed based on virtual payment card information configured for use with the merchant. The virtual payment card information may be configured to initiate transactions only with the merchant

US Patent:

20200279286, Sep 3, 2020

Filed:

May 18, 2020

Appl. No.:

16/877426

Inventors:

- McLean VA, US
Saumya SINGH - Fairfax VA, US
Anand KUMAR - Vienna VA, US
Michelle S. Olenoski - Washington DC, US

Assignee:

Capital One Services, LLC - McLean VA

International Classification:

G06Q 30/02
G06Q 30/00
H04W 4/021
G06Q 20/06
G06Q 30/06
H04L 29/08

Abstract:

The disclosed embodiments provide systems, methods, and techniques for managing merchandising cards. A merchandising card may be, for example, a gift card, loyalty card, or the like. Consistent disclosed embodiments, a system for managing merchandising cards may include one or more memory devices storing instructions and one or more processors configured to acquire, from a device over a network, a plurality of locations associated with the device, the device locations being acquired at different instances in time within a predetermined period of time. Additionally, the one or more processors may be configured to calculate an overall merchant confidence rating for a merchant using the device locations. Further, the one or more processors may be configured to, based on the overall merchant confidence rating, determine that the merchant matches a merchant that is associated with merchandising card, and send a reminder a user of the device.

US Patent:

20200074494, Mar 5, 2020

Filed:

Nov 5, 2019

Appl. No.:

16/674382

Inventors:

- McLean VA, US
Michelle OLENOSKI - Washington DC, US

International Classification:

G06Q 30/02
G06Q 20/34
G06Q 20/36

Abstract:

A device may receive transaction information related to a transaction that an individual is completing. The transaction information may identify a location of the transaction and the individual that is completing the transaction. The device may determine, prior to completing the transaction and based on data from a sensor of a transaction terminal or from a user device associated with the individual, that the individual did not use a benefit account associated with the location in association with completing the transaction. The benefit account may be a rewards account, a loyalty account, or a discount account. The device may perform an action to facilitate use of the benefit account in association with completing the transaction. The action may be performed prior to completing the transaction. The device may perform another action to complete the transaction after performing the action to facilitate use of the benefit account.

US Patent:

20190228430, Jul 25, 2019

Filed:

Jan 25, 2018

Appl. No.:

15/880224

Inventors:

- McLean VA, US
Michelle Olenoski - Washington DC, US

International Classification:

G06Q 30/02
G06Q 20/36
G06Q 20/34

Abstract:

A device may receive transaction information related to a transaction that an individual is completing. The transaction information may identify a location of the transaction and the individual that is completing the transaction. The device may determine, prior to completing the transaction and based on data from a sensor of a transaction terminal or from a user device associated with the individual, that the individual did not use a benefit account associated with the location in association with completing the transaction. The benefit account may be a rewards account, a loyalty account, or a discount account. The device may perform an action to facilitate use of the benefit account in association with completing the transaction. The action may be performed prior to completing the transaction. The device may perform another action to complete the transaction after performing the action to facilitate use of the benefit account.

US Patent:

20190164185, May 30, 2019

Filed:

Nov 27, 2017

Appl. No.:

15/823089

Inventors:

- McLean VA, US
Saumya SINGH - Fairfax VA, US
Anand KUMAR - Vienna VA, US
Michelle S. Olenoski - Washington DC, US

Assignee:

Capital One Services, LLC - McLean VA

International Classification:

G06Q 30/02
H04W 4/021
G06Q 30/00

Abstract:

The disclosed embodiments provide systems, methods, and techniques for managing merchandising cards. A merchandising card may be, for example, a gift card, loyalty card, or the like. Consistent disclosed embodiments, a system for managing merchandising cards may include one or more memory devices storing instructions and one or more processors configured to acquire, from a device over a network, a plurality of locations associated with the device, the device locations being acquired at different instances in time within a predetermined period of time. Additionally, the one or more processors may be configured to calculate a merchant confidence rating for a merchant using the device locations. Further, the one or more processors may be configured to, based on the merchant confidence rating, determine that the merchant matches a merchant that is associated with merchandising card, and send a reminder a user of the device.

US Patent:

20190164186, May 30, 2019

Filed:

Dec 5, 2017

Appl. No.:

15/832449

Inventors:

- McLean VA, US
Saumya Singh - Fairfax VA, US
Anand Kumar - Vienna VA, US
Michelle S. Olenoski - Washington DC, US

Assignee:

Capital One Services, LLC - McLean VA

International Classification:

G06Q 30/02
G06Q 30/06
H04W 4/021
H04L 29/08
G06Q 20/06

Abstract:

The disclosed embodiments provide systems, methods, and techniques for managing merchandising cards. A merchandising card may be, for example, a gift card, loyalty card, or the like. Consistent disclosed embodiments, a system for managing merchandising cards may include one or more memory devices storing instructions and one or more processors configured to acquire, from a device over a network, a plurality of locations associated with the device, the device locations being acquired at different instances in time within a predetermined period of time. Additionally, the one or more processors may be configured to calculate an overall merchant confidence rating for a merchant using the device locations. Further, the one or more processors may be configured to, based on the overall merchant confidence rating, determine that the merchant matches a merchant that is associated with merchandising card, and send a reminder a user of the device.