Capital One Financial had 114 patents in ecommerce during Q2 2024. Capital One Financial Corp filed patents related to leveraging biometric data and transaction data to determine user emotions during transactions, recommending supplemental values based on historical records and user context, determining compliance with restrictions on devices in an organization using text processing and semantic analysis, facilitating online commerce by predicting user intentions behind search queries, and verifying authenticity of items using blockchain operations. GlobalData’s report on Capital One Financial gives a 360-degree view of the company including its patenting strategy. Buy the report here.
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Capital One Financial had no grants in ecommerce as a theme in Q2 2024.
Recent Patents
Application: Techniques to process biometric and transaction data to determine an emotional state of a user while performing a transaction (Patent ID: US20240211986A1)
The patent filed by Capital One Financial Corp. describes a method and system for determining the emotional state of a user during a transaction by analyzing biometric data and transaction data. The system applies a model to this data to determine the emotional state of the user, which can be positive or negative, and then determines an action associated with the transaction based on this emotional state. The action can include enabling the transaction, requesting confirmation from the user, or providing an incentive to the user. The system then sends a signal to a computing device to perform the determined action, such as enabling the transaction, confirming it, or providing an incentive.
The method and system utilize biometric characteristics of the user, such as heart rate, skin temperature, and eye movement, along with transaction data, including browser patterns during the transaction, to determine the emotional state of the user. The model used in the system is trained on historical biometric and transaction data to improve accuracy. The system can prompt the user for confirmation through a webpage or provide product suggestions as incentives. Overall, the technology aims to enhance user experience during transactions by tailoring actions based on the emotional state of the user, as determined through biometric and transaction data analysis.
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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.
