Patents by Inventor Krystle VOSS
Krystle VOSS 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: 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: 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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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: 20180158044Abstract: 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: ApplicationFiled: January 12, 2018Publication date: June 7, 2018Applicant: 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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Publication number: 20180114212Abstract: 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: ApplicationFiled: December 14, 2017Publication date: April 26, 2018Applicant: 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