Patents by Inventor Jeffrey Samitt
Jeffrey Samitt has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Publication number: 20240062215Abstract: In one embodiment, a system comprises a database configured to store at least one record, at least one network communication device, a storage device comprising instructions, and at least one processor configured to execute the instructions to perform a method. The method may comprise receiving a fraud communication associated with a first primary account number, calculating one or more limitations associated with the first primary account number based on an account associated with the first primary account number, and storing a database record including the first primary account number, a new primary account number, and the limitation(s). The method may further comprise receiving a transaction request including a second primary account number, and comparing the second primary account number to the at least one record. The method may also comprise, based on the comparing, enabling the transaction request to proceed, declining the transaction, or disabling the first primary account number.Type: ApplicationFiled: October 31, 2023Publication date: February 22, 2024Applicant: Capital One Services, LLCInventors: Daniel BECK, Lawrence DOUGLAS, Jeffrey SAMITT
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Patent number: 11887127Abstract: 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.Type: GrantFiled: March 24, 2022Date of Patent: January 30, 2024Assignee: Capital One Services, LLCInventors: Abhinav Bhagwati Agrawal, Riken Shah, Joshua M. Wilbur, Samuel Fahler, Colleen Kerr, Jeffrey Samitt
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Patent number: 11842297Abstract: In one embodiment, a system comprises a database configured to store at least one record, at least one network communication device, a storage device comprising instructions, and at least one processor configured to execute the instructions to perform a method. The method may comprise receiving a fraud communication associated with a first primary account number, calculating one or more limitations associated with the first primary account number based on an account associated with the first primary account number, and storing a database record including the first primary account number, a new primary account number, and the limitation(s). The method may further comprise receiving a transaction request including a second primary account number, and comparing the second primary account number to the at least one record. The method may also comprise, based on the comparing, enabling the transaction request to proceed, declining the transaction, or disabling the first primary account number.Type: GrantFiled: April 25, 2022Date of Patent: December 12, 2023Assignee: Capital One Services, LLCInventors: Daniel Beck, Lawrence Douglas, Jeffrey Samitt
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Publication number: 20230206245Abstract: 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.Type: ApplicationFiled: March 6, 2023Publication date: June 29, 2023Applicant: Capital One Services, LLCInventors: Jeffrey SAMITT, Zeel Maharshi JHA, Colleen KERR, Henry Feer JOYCE, Joshua M. WILBUR, John William SCHMIDT, Krystle VOSS, Riken SHAH
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Patent number: 11631084Abstract: 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.Type: GrantFiled: October 24, 2019Date of Patent: April 18, 2023Assignee: Capital One Services, LLCInventors: Jeffrey Samitt, Zeel Maharshi Jha, Colleen Kerr, Henry Feer Joyce, Joshua M. Wilbur, John William Schmidt, Krystle Voss, Riken Shah
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Publication number: 20220253859Abstract: In one embodiment, a system comprises a database configured to store at least one record, at least one network communication device, a storage device comprising instructions, and at least one processor configured to execute the instructions to perform a method. The method may comprise receiving a fraud communication associated with a first primary account number, calculating one or more limitations associated with the first primary account number based on an account associated with the first primary account number, and storing a database record including the first primary account number, a new primary account number, and the limitation(s). The method may further comprise receiving a transaction request including a second primary account number, and comparing the second primary account number to the at least one record. The method may also comprise, based on the comparing, enabling the transaction request to proceed, declining the transaction, or disabling the first primary account number.Type: ApplicationFiled: April 25, 2022Publication date: August 11, 2022Applicant: Capital One Services, LLCInventors: Daniel BECK, Lawrence DOUGLAS, Jeffrey SAMITT
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Publication number: 20220215391Abstract: 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.Type: ApplicationFiled: March 24, 2022Publication date: July 7, 2022Applicant: Capital One Services, LLCInventors: Abhinav Bhagwati Agrawal, Riken Shah, Joshua M. Wilbur, Samuel Fahler, Colleen Kerr, Jeffrey Samitt
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Patent number: 11348111Abstract: In one embodiment, a system comprises a database configured to store at least one record, at least one network communication device, a storage device comprising instructions, and at least one processor configured to execute the instructions to perform a method. The method may comprise receiving a fraud communication associated with a first primary account number, calculating one or more limitations associated with the first primary account number based on an account associated with the first primary account number, and storing a database record including the first primary account number, a new primary account number, and the limitation(s). The method may further comprise receiving a transaction request including a second primary account number, and comparing the second primary account number to the at least one record. The method may also comprise, based on the comparing, enabling the transaction request to proceed, declining the transaction, or disabling the first primary account number.Type: GrantFiled: November 9, 2018Date of Patent: May 31, 2022Assignee: Capital One Services, LLCInventors: Daniel Beck, Lawrence Douglas, Jeffrey Samitt
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Publication number: 20200219101Abstract: 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.Type: ApplicationFiled: February 20, 2020Publication date: July 9, 2020Applicant: Capital One Services, LLCInventors: Abhinav AGRAWAL, Riken SHAH, Joshua WILBUR, Jeffrey SAMITT, Colleen KERR
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Publication number: 20200118133Abstract: 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.Type: ApplicationFiled: March 13, 2019Publication date: April 16, 2020Applicant: Capital One Services, LLCInventors: John SCHMIDT, Joshua WILBUR, Sruthi KATTAMURI, I, Krystle VOSS, Colleen KERR, Riken SHAH, Jeffrey SAMITT
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Publication number: 20200118132Abstract: 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.Type: ApplicationFiled: October 12, 2018Publication date: April 16, 2020Applicant: Capital One Services, LLCInventors: John SCHMIDT, Joshua WILBUR, Sruthi KATTAMURI, Krystle VOSS, Colleen KERR, Riken SHAH, Jeffrey SAMITT
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Patent number: 10614444Abstract: 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.Type: GrantFiled: January 12, 2018Date of Patent: April 7, 2020Assignee: Capital One Services, LLCInventors: Daniel Beck, Samantha Schneider, Jessica Bowman, Colleen Kerr, Riken Shah, Min Jung Kim, Zeel Jha, John Schmidt, Krystle Voss, Joshua Wilbur, Abhinav Agrawal, Jeffrey Samitt
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Patent number: 10607229Abstract: 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.Type: GrantFiled: May 9, 2018Date of Patent: March 31, 2020Assignee: Capital One Services, LLCInventors: Abhinav Agrawal, Riken Shah, Joshua Wilbur, Jeffrey Samitt, Colleen Kerr
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Publication number: 20200058027Abstract: 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.Type: ApplicationFiled: October 24, 2019Publication date: February 20, 2020Applicant: Capital One Services, LLCInventors: Jeffrey SAMITT, Zeel Maharshi JHA, Colleen KERR, Henry Feer JOYCE, Joshua M. WILBUR, John William SCHMIDT, Krystle VOSS, Riken SHAH
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Patent number: 10482467Abstract: 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.Type: GrantFiled: June 14, 2018Date of Patent: November 19, 2019Assignee: Capital One Services, LLCInventors: Jeffrey Samitt, Zeel Maharshi Jha, Colleen Kerr, Henry Feer Joyce, Joshua M. Wilbur, John William Schmidt, Krystle Voss, Riken Shah
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Publication number: 20190347665Abstract: 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.Type: ApplicationFiled: May 9, 2018Publication date: November 14, 2019Applicant: Capital One Services, LLCInventors: Abhinav Bhagwati AGRAWAL, Riken SHAH, Joshua M. WILBUR, Samuel FAHLER, Colleen KERR, Jeffrey SAMITT
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Publication number: 20190347664Abstract: 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.Type: ApplicationFiled: May 9, 2018Publication date: November 14, 2019Applicant: Capital One Services, LLCInventors: Abhinav AGRAWAL, Riken SHAH, Joshua WILBUR, Jeffrey SAMITT, Colleen KERR
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Patent number: 10445737Abstract: In one embodiment, a system comprises a database configured to store at least one record, at least one network communication device, a storage device comprising instructions, and at least one processor configured to execute the instructions to perform a method. The method may comprise receiving a fraud communication associated with a first primary account number, calculating one or more limitations associated with the first primary account number based on an account associated with the first primary account number, and storing a database record including the first primary account number, a new primary account number, and the limitation(s). The method may further comprise receiving a transaction request including a second primary account number, and comparing the second primary account number to the at least one record. The method may also comprise, based on the comparing, enabling the transaction request to proceed, declining the transaction, or disabling the first primary account number.Type: GrantFiled: August 13, 2018Date of Patent: October 15, 2019Assignee: Capital One Services, LLCInventors: Daniel Beck, Lawrence Douglas, Jeffrey Samitt
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Publication number: 20190080329Abstract: In one embodiment, a system comprises a database configured to store at least one record, at least one network communication device, a storage device comprising instructions, and at least one processor configured to execute the instructions to perform a method. The method may comprise receiving a fraud communication associated with a first primary account number, calculating one or more limitations associated with the first primary account number based on an account associated with the first primary account number, and storing a database record including the first primary account number, a new primary account number, and the limitation(s). The method may further comprise receiving a transaction request including a second primary account number, and comparing the second primary account number to the at least one record. The method may also comprise, based on the comparing, enabling the transaction request to proceed, declining the transaction, or disabling the first primary account number.Type: ApplicationFiled: November 9, 2018Publication date: March 14, 2019Applicant: Capital One Services, LLCInventors: Daniel Beck, Lawrence Douglas, Jeffrey Samitt
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Patent number: 10152714Abstract: In one embodiment, a system comprises a database configured to store at least one record, at least one network communication device, a storage device comprising instructions, and at least one processor configured to execute the instructions to perform a method. The method may comprise receiving a fraud communication associated with a first primary account number, calculating one or more limitations associated with the first primary account number based on an account associated with the first primary account number, and storing a database record including the first primary account number, a new primary account number, and the limitation(s). The method may further comprise receiving a transaction request including a second primary account number, and comparing the second primary account number to the at least one record. The method may also comprise, based on the comparing, enabling the transaction request to proceed, declining the transaction, or disabling the first primary account number.Type: GrantFiled: April 28, 2016Date of Patent: December 11, 2018Assignee: Capital One Services, LLPInventors: Daniel Beck, Lawrence Douglas, Jeffrey Samitt