Patents by Inventor Michael Mossoba

Michael Mossoba 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).

  • Patent number: 11887463
    Abstract: A computer vision card reader and/or point of sale device is described. The device is configured to sense when a user inserts a card into a card reader and to determine when a user departs or is about to depart from the device without retrieving the card. The device may issue an audible or visible alert to the user, reminding the user to retrieve the card. The device may additionally send a notification to a mobile device associated with the user that reminds the user that he has left a card at the point of sale. In some embodiments, message sent to the user contains a code and, upon entry of the code, the point of sale or card reader device returns the card to the user.
    Type: Grant
    Filed: November 23, 2022
    Date of Patent: January 30, 2024
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Abdelkader Benkreira, Joshua Edwards, Michael Mossoba
  • Patent number: 11888855
    Abstract: A device may provide a verification indicator to a device associated with a website. The verification indicator may be associated with verifying access to the website. The device may detect that the verification indicator has been associated with code associated with the website based on processing the code. The device may provide a script to the device. The script may be included in the code. The script may be associated with monitoring operations of the website. The device may receive data related to the operations. The device may analyze the data using a model. The model may be associated with making a prediction related to at least one of: a value to be received via the website, or traffic associated with the website. The device may perform one or more actions related to the website based on a result of the analyzing.
    Type: Grant
    Filed: May 26, 2022
    Date of Patent: January 30, 2024
    Assignee: Capital One Services, LLC
    Inventors: Joshua Edwards, Abdelkadar M'Hamed Benkreira, Michael Mossoba
  • Publication number: 20240029142
    Abstract: A computer-implemented method for providing presentable transaction data of a product to a user may include obtaining preliminary transaction data of one or more purchasers other than the user; generating itemized transaction data based on the preliminary transaction data; obtaining one or more translation codes from one or more transaction entities; generating standardized transaction data based on the itemized transaction data and the one or more translation codes; retrieving identification data from the standardized transaction data; generating anonymized transaction data based on the standardized transaction data by withholding the identification data; generating presentable transaction data based on the anonymized transaction data; and transmitting, to a device associated with the user, the presentable transaction data.
    Type: Application
    Filed: September 29, 2023
    Publication date: January 25, 2024
    Applicant: Capital One Services, LLC
    Inventors: Joshua EDWARDS, Michael MOSSOBA, Abdelkader BENKREIRA
  • Patent number: 11882010
    Abstract: A device receives a communication associated with a support issue encountered by a user, and receives information identifying one or more self-support actions performed by the user in relation to the support issue. The device assigns the communication to a position in a support queue. The support queue includes information identifying positions of other communications received from other users, when the other communications are received, and self-support actions performed by the other users. The device associates the information identifying the one or more self-support actions with information identifying the position of the communication, and applies respective weights to the one or more self-support actions. The device generates a score for the communication based on applying the respective weights, and modifies the position of the communication based on the score. The device performs one or more actions based on modifying the position of the communication.
    Type: Grant
    Filed: October 28, 2021
    Date of Patent: January 23, 2024
    Assignee: Capital One Services, LLC
    Inventors: Abdelkadar M'Hamed Benkreira, Michael Mossoba, Joshua Edwards
  • Patent number: 11880843
    Abstract: Exemplary systems, methods, and computer-accessible mediums can include, for example, receiving a first location of a user(s) and time information associated with that location, initiating a record for the user(s) based on the location and the time information, receiving a second location of the user(s), where the second location can be in a second bounded area, storing in record, a transaction(s) associated with the user(s) based on the second location, and automatically initiating a single payment for the transaction(s) when the user(s) leaves the first location.
    Type: Grant
    Filed: August 11, 2020
    Date of Patent: January 23, 2024
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Abdelkader Benkreira, Michael Mossoba, William Carroll
  • Publication number: 20240013768
    Abstract: In some implementations, a browser extension may receive a setting indicating a level of verbosity and may receive an image and a set of words associated with the image. The browser extension may identify a foreground of the image and a background of the image and may identify, within the foreground of the image, a set of objects. The browser extension may rank the set of objects based on one or more properties of the set of objects and the set of words and may select a subset of objects from the set of objects based on the setting and the ranking. Accordingly, the browser extension may generate descriptions of the selected subset of objects based on the setting and may input the generated descriptions to a text to speech algorithm.
    Type: Application
    Filed: July 5, 2022
    Publication date: January 11, 2024
    Inventors: Michael MOSSOBA, Abdelkader M'Hamed BENKREIRA, Noel LYLES, Joshua EDWARDS
  • Publication number: 20240013287
    Abstract: In some implementations, a device may determine a route through an entity location to an item location for at least one item included in one or more items associated with a task. The device may provide routing AR information associated with the route to cause an AR view of the route to be displayed. The device may receive visual media that is associated with a first item. The device may analyze the visual media to determine whether an item depicted by the visual media is the first item, and/or one or more recommended items, associated with the first item, depicted by the visual media. The device may provide presentation information to cause AR feedback information to be displayed by the client device in connection with the visual media, wherein the AR feedback information identifies whether the item is the first item, and/or the one or more recommended items.
    Type: Application
    Filed: July 7, 2022
    Publication date: January 11, 2024
    Inventors: Salik SHAH, Timur SHERIF, Michael MOSSOBA
  • Publication number: 20240005323
    Abstract: Example embodiments of systems, methods, and computer-accessible mediums for identity verification and transaction authentication are provided. An exemplary system can comprise an application, a user device, and a server. The application can prompt a removal of a card chip, prompt an insertion of the card chip into the user device, determine an orientation of the card chip after the insertion of the card chip into the user device, and transmit, to the card chip, a first message. The card chip can encrypt the first message via one or more authentication protocols to generate an encrypted first message, transmit, to the server, the encrypted first message. The server can decrypt the encrypted first message, verify the decrypted first message, and transmit a second message to the application, wherein the application is configured to display a verification notification in response to the second message.
    Type: Application
    Filed: June 12, 2023
    Publication date: January 4, 2024
    Inventors: Cruz VARGAS, Michael MOSSOBA, Jeffrey RULE
  • Publication number: 20240005396
    Abstract: Multifactor authentication techniques described herein may allow a user to submit a recent proof of purchase as a part of a multifactor authentication process to access an account associated with a financial institution. As part of the login process, the user may submit a proof of purchase associated with a transaction. The financial institution may determine information associated with the transaction, such as a merchant associated with the proof of purchase, a time of the transaction, the last four numbers of the transaction card used, a dollar amount, or any combination thereof. If the information matches one or more records in the transaction history of the user's account, the financial institution may authenticate the user and provide access to the account. In this way, the financial institution may leverage transaction history known to the financial institution and the user to authenticate the user.
    Type: Application
    Filed: September 20, 2023
    Publication date: January 4, 2024
    Inventors: Abdelkader M'Hamed Benkreira, Michael Mossoba, Joshua Edwards
  • Publication number: 20240001249
    Abstract: In some implementations, a device may receive, from the gaming program, account information for a card associated with an account of a user. The device may receive, via a user interface provided by the gaming program, customization information associated with the card, wherein the customization information includes at least one of: one or more features supported by the card, or one or more design elements to be included on the card. The device may generate a virtual card, associated with the card, based on the customization information. The device may cause the virtual card to be available for display and to be used to perform exchanges in the gaming program or other gaming programs. The device may transmit information associated with the customization information to cause the card to be manufactured or printed according to the customization information.
    Type: Application
    Filed: August 23, 2023
    Publication date: January 4, 2024
    Inventors: Michael MOSSOBA, Myka COOPER, Trinity D. MOON
  • Patent number: 11861591
    Abstract: A wearable transaction device may include a housing, a fastener component attached to the housing, and an electronic chip secured within the housing. The wearable transaction device may detect a connection with a user device, and receive, from the user device and via the connection, security information for operating the wearable transaction device. The security information may indicate one or more conditions for placing the wearable transaction device in a payment mode or a non-payment mode. The wearable transaction device may receive a request to perform the transaction, and determine, based on the security information, whether the wearable transaction device is in the payment mode or the non-payment mode. The wearable transaction device may selectively perform the transaction based on whether the wearable transaction device is in the payment mode or the non-payment mode.
    Type: Grant
    Filed: May 16, 2022
    Date of Patent: January 2, 2024
    Assignee: Capital One Services, LLC
    Inventors: Michael Mossoba, Abdelkadar M'Hamed Benkreira, Joshua Edwards
  • Patent number: 11861447
    Abstract: A card for storing both emergency information and payment information is disclosed. The card can be used by an emergency responder to retrieve emergency information for the user. The emergency information can enable the emergency responder to better render aid to the user. The card can have one or more processors, a sensor, and a memory in communication with the one or more processors and storing an application thereon. The application can cause the card to receive a request from a user device (e.g., from an emergency medical technician, or EMT) to access emergency information stored in the memory, transmit a security challenge to the user device, authenticate a received response to the security challenge from the user device, and transmit the emergency information to the user device.
    Type: Grant
    Filed: June 7, 2022
    Date of Patent: January 2, 2024
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Joshua Edwards, Abdelkader Benkreira, Michael Mossoba
  • Publication number: 20230419356
    Abstract: In some implementations, a device may obtain a first user profile associated with a first user that indicates: a first user gaming profile; a first use history, associated with program points, of the first user; and/or a first exchange history associated with the first user. The device may determine, using a machine learning model, a propensity score associated with the first user based on the first user profile that is based on a memory usage, associated with a gaming console, indicated by the first user gaming profile. The device may determine, based on the propensity score, a first exchange rate for converting the program points to the virtual points of the first game. The device may receive an indication of an exchange initiated by the first user. The device may communicate, with a device, to cause the one or more virtual points to be made available to a second account.
    Type: Application
    Filed: June 22, 2022
    Publication date: December 28, 2023
    Inventors: Michael MOSSOBA, Myka COOPER, Trinity D. MOON
  • Publication number: 20230419949
    Abstract: A user assistance device aids validation of transactions on payment terminals. A payment terminal that accepts a payment card at a point of sale can be detected. A transaction amount for validation can be determined from the payment terminal. Subsequently, audio of the transaction amount can be generated. Playing of the audio on a user assistance device can then be triggered, allowing a user to hear the transaction amount before accepting or rejecting the transaction. Further, transaction information can be analyzed and used to suggest whether a customer should accept or reject the transaction.
    Type: Application
    Filed: June 23, 2022
    Publication date: December 28, 2023
    Inventors: Joshua Edwards, Abdelkader M'Hamed Benkreira, Noel Lyles, Michael Mossoba
  • Patent number: 11853406
    Abstract: A system receives an image including a live facial image of the user and an identity document including a photograph of the user. Moreover, the system calculates a facial match score by comparing facial features in the live facial image to facial features in the photograph. The system recognizes data objects and characters in the identity document using optical character recognition (OCR) and computer vision, and then identifies, based on the recognized data objects and characters, a type of the identity document. Further, the system calculates a document validity score by comparing the recognized characters and data objects to character strings and data objects known to be present in the identified type of the identity document. Additionally, the system determines and outputs the user's identity verification status based on comparing the facial match score to a facial match threshold and comparing the document validity score to a document validity threshold.
    Type: Grant
    Filed: November 14, 2022
    Date of Patent: December 26, 2023
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Joshua Edwards, Michael Mossoba
  • Patent number: 11853524
    Abstract: Disclosed embodiments include systems, devices, and methods for extending a view of an interface by way of augmented reality glasses. Web page content can be identified for presentation outside the purview of a web browser. The content can be saved to a network-accessible store. Subsequently, a request is sent, including the location of the network-accessible store, to augmented reality glasses. The content can be acquired from the location by the augmented reality glasses. Subsequently, the content can be rendered by the augmented reality glasses in a manner that extends the view beyond the web browser and physical display.
    Type: Grant
    Filed: April 1, 2022
    Date of Patent: December 26, 2023
    Assignee: Capital One Services, LLC
    Inventors: Michael Mossoba, Jerry Wagner, Joshua Edwards
  • Patent number: 11856144
    Abstract: Disclosed herein are systems and methods for determining whether an automated telephone call has been answered by a particular user, a different person, or a voicemail service. In response to determining that the call has been answered by the user, a different person, or a voicemail service, the systems and methods can output different respective messages, initiate messaging to the user via alternate communication paths, or perform other actions.
    Type: Grant
    Filed: October 11, 2021
    Date of Patent: December 26, 2023
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Abdelkader Benkreira, Joshua Edwards, Michael Mossoba
  • Patent number: 11847662
    Abstract: A computer-implemented method of fraud protection is described. A server may receive one or more keywords and a likelihood of fraud from an external source. The server may receive an image of a document from a user device, wherein the document comprises at least one of a written communication or a printed communication. The server may extract text from the image of the document, compare the extracted text to the one or more stored keywords, and calculate a confidence level of fraud. The server may send an indication of the confidence level of fraud to the user device.
    Type: Grant
    Filed: November 5, 2020
    Date of Patent: December 19, 2023
    Assignee: Capital One Services, LLC
    Inventors: Michael Mossoba, Joshua Edwards, Sarah Cunningham, Mark Rothbaum
  • Publication number: 20230401557
    Abstract: A device may receive an indication that an ATM transaction is to be conducted, display prompt(s) for a user to input user authentication credential information and to select an ATM transaction type, detect user input(s) that include a user authentication credential and a selection of a particular ATM transaction type, and receive, from an ATM device, a request to establish a communication session. The ATM device may include a sync button to initiate communicative coupling of the ATM device and the user device. The request may be based on a user selection of the sync button. The device may communicatively couple to the ATM device, and provide, to the ATM device, the user authentication credential and data regarding the particular ATM transaction type to cause the ATM device to perform the ATM transaction. The device may display information regarding the ATM transaction.
    Type: Application
    Filed: August 25, 2023
    Publication date: December 14, 2023
    Inventors: Michael MOSSOBA, Abdelkadar M’Hamed BENKREIRA, Joshua EDWARDS
  • Patent number: D1012173
    Type: Grant
    Filed: October 12, 2022
    Date of Patent: January 23, 2024
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Bryant Yee, Abdelkader Benkreira, Joshua Edwards, Colin Hart, Daniel Marsch, Michael Mossoba