Erik Virbitsky

US Patent:

20220366488, Nov 17, 2022

Filed:

May 17, 2021

Appl. No.:

17/302957

Inventors:

- McLean VA, US
Brad GISKA - Richmond VA, US
Marisa LEE - Washington DC, US
Erik VIRBITSKY - Washington DC, US
Sean EASTER - White Bear Lake MN, US
James RICKS - Richmond VA, US

International Classification:

G06Q 40/02
G06N 20/00
G06N 5/04
G06Q 20/40
G06Q 20/10
G06Q 20/34

Abstract:

A system may identify, using a machine learning model, a series of recurring events associated with an account and may generate, using the machine learning model, a prediction of a future date on which a predicted event, associated with the series of recurring events, is to occur. The system may determine that a condition associated with the account is satisfied and may determine that a current date is within a threshold number of days of the future date based on the prediction of the future date. The system may transmit, to a user device, a notification based on determining that the current date is within the threshold number of days of the future date and that the condition associated with the account is satisfied, wherein the notification includes information for presentation of an input element that enables an action to be performed in connection with the account.

US Patent:

20210326975, Oct 21, 2021

Filed:

Apr 15, 2020

Appl. No.:

16/849919

Inventors:

- McLean VA, US
Erik Virbitsky - McLean VA, US

International Classification:

G06Q 40/02
G06Q 20/10
H04L 29/06

Abstract:

Systems and methods associated with providing user interfaces and back-end processing features for transferring recurring charges from a first account to a second account are disclosed. In one embodiment, an exemplary method may comprise receiving a request from a user to transfer recurring charges from a first account to a second account, generating a first user interface that enables the user to provide account information comprised of a plurality of statements and/or account credentials associated with the first account, determining at least one recurring charge of the first account using the account information, generating a second user interface to display the at least one recurring charge and prompt the user to submit merchant-related credentials associated with the at least one recurring charge, transferring the merchant-related credentials, the at least one recurring charge from the first account to the second account.

US Patent:

20210117990, Apr 22, 2021

Filed:

Oct 18, 2019

Appl. No.:

16/657385

Inventors:

- McLean VA, US
Jeremy GERSTLE - San Francisco CA, US
Olufemi ANTHONY - Montclair NJ, US
Jonathan BOROUMAND - Brooklyn NY, US
Erik VIRBITSKY - Washington DC, US
Michael WALTERS - Brooklyn NY, US
Aniver BOSEDE - Jersey City NJ, US

Assignee:

Capital One Services, LLC - McLean VA

International Classification:

G06Q 30/02
G06N 20/00

Abstract:

A method is disclosed, comprising: aggregating a plurality of sets of transactions, each set of transactions comprising transactions related to an account-merchant pairing; determining variables characterizing a recurrence period based on transaction dates of the transactions in the each set; predicting the recurrence period for a transaction related to the account-merchant pairing for each customer of the plurality of customers; aggregating another set of transactions between the plurality of customers and the merchant; evaluating a distribution of the recurrence period for each customer within range of a distant point; and based on the evaluation of the distribution of the recurrence period for each customer, generating a probability of the merchant having a recurrent transaction with the customer. The account-merchant pairing may comprise a customer account and a merchant of a plurality of customers and merchants. Another set of transactions may comprise transactions in the plurality of sets of transactions.