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).

  • Publication number: 20230401617
    Abstract: A browser extension may insert code into a document used to generate a web page. For example, the browser extension may detect that the web page is associated with an entity that is associated with one or more delivery estimates. The browser extension may transmit web page information that identifies the entity associated with the web page and/or a date threshold determined based on user input provided to or stored by the browser extension. The browser extension may receive presentation information that identifies a plurality of delivery estimates for a plurality of entities based on transmitting the web page information. The browser extension may insert the code into the document used to generate the web page based on the presentation information. The code may cause an estimated delivery date and/or an indication of whether the date threshold can be satisfied to be provided for display via the web page.
    Type: Application
    Filed: August 25, 2023
    Publication date: December 14, 2023
    Inventors: Abdelkader M'Hamed BENKREIRA, Michael MOSSOBA, Joshua EDWARDS
  • Patent number: 11842723
    Abstract: A device may receive audio data based on a capturing of sounds associated with a structure. The device may obtain a model associated with the structure. The model may have been trained to receive the audio data as input, determine a score that identifies a likelihood that a sound is present in the audio data, and identify the sound based on the score. The device may determine at least one parameter associated with the sound. The device may generate a metric based on the at least one parameter associated with the sound, and perform an action based on the metric.
    Type: Grant
    Filed: April 12, 2021
    Date of Patent: December 12, 2023
    Assignee: Capital One Services, LLC
    Inventors: Michael Mossoba, Joshua Edwards, Abdelkadar M'hamed Benkreira, Austen Novis, Sophie Bermudez
  • Publication number: 20230396613
    Abstract: The disclosed technology includes systems and methods for determining secondary authentication of a user's log-in attempts by comparing received behavioral biometric data and/or received scenario-specific data to saved behavioral biometric data and/or saved scenario-specific data, respectively. Responsive to determining that the received behavioral biometric data and/or received scenario-specific data is above a predetermined threshold of similarity with respect to the saved behavioral biometric data and/or saved scenario-specific data, respectively, the systems and methods can determine that the corresponding log-in attempt is secondarily authenticated. of a user device via behavioral biometric data. Responsive to determining that the level of similarity is not above the predetermined threshold, the systems and methods can initiate a secondary authentication method and can associate the received behavioral biometric data with a second user model.
    Type: Application
    Filed: August 18, 2023
    Publication date: December 7, 2023
    Inventors: Joshua Edwards, Jason Ji, Ljubica Chatman, Michael Mossoba, Carlos Rodriguez
  • Patent number: 11836730
    Abstract: A device may obtain a notification that a transaction occurred, where the transaction is associated with a financial account of a user, and a merchant. The device may determine that the merchant is associated with providing confirmation messages for transactions, and may process, based on determining that the merchant is associated with providing confirmation messages, one or more messages in a messaging account associated with the user to determine whether the messaging account includes a confirmation message associated with the transaction. The device may determine that the messaging account does not include any confirmation message associated with the transaction, may determine a likelihood that the transaction was unauthorized based on the messaging account not including a confirmation message, and may perform an action associated with the financial account of the user based on the likelihood that the transaction was unauthorized.
    Type: Grant
    Filed: December 17, 2021
    Date of Patent: December 5, 2023
    Assignee: Capital One Services, LLC
    Inventors: Michael Mossoba, Joshua Edwards, Abdelkadar M'Hamed Benkreira
  • Patent number: 11837061
    Abstract: Various embodiments are generally directed to techniques for receiving first video data comprising one or more frames having a scene with a person and perform a facial detection process on the first video data to detect a facial region in each frame having the scene with the person. Embodiments also include generating second video data from the first video data, the second video data to include a blurring effect applied to the facial region detected in the first video data, providing the second video data for display on one or more devices, and receiving a tag indication from at least one of the one or more devices, the tag indication to indicate a portion of the second video data having suspicious activity.
    Type: Grant
    Filed: January 14, 2020
    Date of Patent: December 5, 2023
    Assignee: Capital One Services, LLC
    Inventors: Joshua Edwards, Michael Mossoba, Abdelkader M'Hamed Benkreira
  • Patent number: 11836809
    Abstract: An income analysis platform may receive information associated with employment-related activity of a user, wherein the employment-related activity is associated with an employment status of the user. The income analysis platform may analyze, using an employment analysis model, the information to determine the employment status of the user. The income analysis platform may determine, based on the information and using the employment analysis model, that there is a change in the employment status of the user. The income analysis platform may identify, based on the determined change in the employment status of the user, a service associated with a transaction account of the user. The income analysis platform may determine, based on the change in the employment status, that one or more terms of the service are to be adjusted. The income analysis platform may perform an action associated with adjusting the one or more terms of the service.
    Type: Grant
    Filed: March 8, 2022
    Date of Patent: December 5, 2023
    Assignee: Capital One Services, LLC
    Inventors: Michael Mossoba, Abdelkader M'Hamed Benkreira, Joshua Edwards
  • Publication number: 20230388260
    Abstract: In some implementations, a storage optimization system may receive a plurality of emails. Accordingly, the system may identify at least one email associated with a limited capacity in the plurality of emails. The system may further scan, from the at least one email, one or more hyperlinks to determine a website associated with the at least one email and an identifier associated with an event. The system may determine, using a database, a traversal path and at least one application programming interface (API) call associated with the website. Accordingly, the system may traverse the website using the traversal path and the at least one API using the identifier to determine that the limited capacity is filled. The system may delete the at least one email associated with the limited capacity based on determining that the limited capacity is filled.
    Type: Application
    Filed: August 14, 2023
    Publication date: November 30, 2023
    Inventors: Lukiih CUAN, Michael MOSSOBA, Cruz VARGAS, Lea CODY, Latika GULATI
  • Patent number: 11830287
    Abstract: Embodiments disclosed herein generally related to a method and system for customizing a customer experience. In one embodiment, a method is provided herein. A computing system receives from a computing device positioned in a facility one or more video streams. The one or more video streams capture a customer in the facility. The computing system identifying an identity of the customer by parsing the one or more video streams to identify one or more audio or visual cues of the customer. The computing system determines, based on the identity of the customer, that the customer has one or more previous transactions at the facility. The computing system predicts, based on the one or more previous transactions, a new transaction at the facility. The computing system notifies the computing device positioned in the facility in preparation of the new transaction.
    Type: Grant
    Filed: December 28, 2020
    Date of Patent: November 28, 2023
    Assignee: Capital One Services, LLC
    Inventors: Michael Mossoba, Gaurang J. Bhatt
  • Patent number: 11830044
    Abstract: Systems and methods of the present disclosure enable automated identification of restrictions on reversals of data entries by receiving location data from a computing device associated with a user, and utilizing a data profile classification machine learning model to classify a particular data profile according to a data profile classification type based at least in part on a history of data entries associated with the particular data profile when the physical location is within a predetermined proximity of another physical location associated with the particular data profile. A reversal rate of data entries in the history of data entries is determined for the particular data profile. An electronic activity reversal restriction is determined where the reversal rate is below a predetermined value, and a pop-up notification is presented on the computing device notifying the user of the electronic activity reversal restriction of the particular data profile.
    Type: Grant
    Filed: June 3, 2021
    Date of Patent: November 28, 2023
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Michael Mossoba, Joshua Edwards
  • Publication number: 20230376056
    Abstract: A device receives position information from a sensor of the device, wherein the position information indicates a position of a user of the device and a position of a person proximate to the user. The device receives lighting information from the sensor, wherein the lighting information indicates lighting conditions around the device and the user. The device calculates a position adjustment for an infrared element of the device based on the position information and the lighting information, and calculates an intensity adjustment for the infrared element based on the position information and the lighting information. The device receives, via an input element of the device, input data provided by the user, and implements the position adjustment and the intensity adjustment to enable the infrared element, when illuminated, to reflect light away from the input element and to prevent image or video capture of the input data.
    Type: Application
    Filed: August 3, 2023
    Publication date: November 23, 2023
    Inventors: Abdelkadar M’Hamed BENKREIRA, Joshua EDWARDS, Michael MOSSOBA
  • Publication number: 20230377393
    Abstract: A device receives, from a short-range wireless communication device associated with a safe deposit box, first data identifying a first transaction card, and identifies a bank employee associated with the first data. The device determines whether the bank employee is authorized to access the safe deposit box, and starts a timer when the bank employee is authorized to access the safe deposit box. The device receives, from the short-range wireless communication device, second data identifying a second transaction card, and determines whether the second data is received prior to an expiration of the timer. The device identifies a customer associated with the second data when the second data is received prior to the expiration of the timer, and determines whether the customer is authorized to access the safe deposit box. The device causes the safe deposit box to be unlocked when the customer is authorized.
    Type: Application
    Filed: August 2, 2023
    Publication date: November 23, 2023
    Inventors: Joshua EDWARDS, Abdelkadar M’Hamed BENKREIRA, Michael MOSSOBA
  • Publication number: 20230368307
    Abstract: A device receives, from a user device, plan information that identifies a plan for an event and includes information identifying an account associated with the plan, plan items of the plan, and priorities and preferences associated with the plan items, where the user device is associated with a user of the account and the plan. The device receives transaction information identifying transactions associated with the account, and processes the plan information and the transaction information, with a first model, to identify transactions related to the plan. The device processes information associated with the particular plan item, the plan information, and the transaction information, with a second model, to determine recommendations for the plan, where the information associated with the particular plan item includes information identifying a priority and a preference associated with the particular plan item. The device provides information indicating the recommendations to the user device.
    Type: Application
    Filed: July 28, 2023
    Publication date: November 16, 2023
    Inventors: Ljubica CHATMAN, Michael MOSSOBA, Abdelkadar M’Hamed BENKREIRA, Joshua EDWARDS, Tyler MAIMAN
  • Publication number: 20230368633
    Abstract: Disclosed embodiments may include a system for intelligent alerting. The system may receive data and activity status information corresponding to a user. Based on the data and activity status information, the system may determine whether a first user alert is required, and if so, may determine a first type of alert and a first time to present the first type of alert to the user. The system may cause a user device to present the first type of alert to the user at the first time.
    Type: Application
    Filed: May 13, 2022
    Publication date: November 16, 2023
    Inventors: Joshua Edwards, Michael Mossoba, Tyler Maiman
  • Publication number: 20230368166
    Abstract: Described is an Automated Teller Machine (ATM), and related systems (and methods), that allows for applications (or “Apps”) to be accessed on the ATM. The system allows for a third-party application to be verified and installed on ATMs to provide users with additional services. The application may access peripherals of the ATM via an Application Programming Interface (API) provided as part of a Software Development Kit (SDK). Accordingly, the system may provide a secure mechanism for ATM providers to provide users with the benefits of accessing third-party applications. Moreover, these applications may leverage specialized ATM peripherals and provide functionality that may not otherwise be available on other types of devices.
    Type: Application
    Filed: July 20, 2023
    Publication date: November 16, 2023
    Inventors: Abdelkader M'Hamed Benkreira, Joshua Edwards, Michael Mossoba
  • Patent number: 11816673
    Abstract: Methods and systems are disclosed for allowing an electronic purchase upon completion of an exercise goal and/or a physical activity goal. Exercise and/or physical activity goal criteria can be retrieved for a user. Electronic charge approval criteria can be retrieved for the user, the electronic charge approval criteria based on the exercise and/or physical activity goal criteria. It can be determined whether the exercise and/or physical activity goal criteria has been fulfilled using an electronic measurement system, the electronic measurement system measuring motion data and/or heart rate data for the user. A requested electronic charge can be authorized upon a determination that the electronic charge approval criteria for the user has been fulfilled.
    Type: Grant
    Filed: June 3, 2021
    Date of Patent: November 14, 2023
    Assignee: Capital One Services, LLC
    Inventors: Michael Mossoba, Abdelkader M'Hamed Benkreira, Joshua Edwards
  • Patent number: 11816707
    Abstract: Disclosed systems and methods provide an augmented environment that facilitates a donation to a charity. A system may receive organization data including data associated with a plurality of charitable organizations. The system may also receive (i) environmental data including an image of an object, and (ii) location data indicating the image location. Further, the system may identify the object and determine one or more qualifying charities associated with the object. The system may augment the environmental data by adding enhanced content such as an identification of the qualifying charity, transmit the enhanced content to a mobile device for display, and initiate a transfer of funds from a user account to a charity financial account associated with the qualifying charity.
    Type: Grant
    Filed: March 25, 2020
    Date of Patent: November 14, 2023
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Michael Mossoba, Salik Shah, Joshua Edwards
  • Patent number: 11818105
    Abstract: Systems and methods for encoded communications are disclosed. In some embodiments, a server system may be configured to receive a communication from a user interface at an encoded communication module that includes an artificial intelligence based natural language processing module, determine whether the received communication is an encoded communication, decode the encoded communication to generate a financial query when it is determined that the received communication is an encoded communication, retrieve financial data associated with the user, determine an answer to the financial query based on the retrieved financial data, encode the determined answer to generate an encoded responsive communication, and transmit the generated encoded responsive communication to the user interface for providing to a user of the user interface.
    Type: Grant
    Filed: May 21, 2021
    Date of Patent: November 14, 2023
    Assignee: Capital One Services, LLC
    Inventors: Michael Mossoba, Joshua Edwards, Salik Shah
  • Publication number: 20230360098
    Abstract: Systems and method for providing information about a location with image analysis are described herein. The method can include: retrieving, from a user's device, location information, receiving a digital image of an location captured by a digital camera connected to the user's device, analyzing the digital image to detect an identification feature, determining an identify of the location based on the location information and the identification feature, identifying a capture time of day at which the digital image was captured, determining a median rate of traffic at the establish at the identified capture time of day, calculating information based on the median rate of traffic at the capture time of day, the information related to how crowded the location is at the captured time of day, and providing, by a display on the user's device, the information.
    Type: Application
    Filed: July 13, 2023
    Publication date: November 9, 2023
    Applicant: CAPITAL ONE SERVICES, LLC
    Inventors: Abdelkader M'Hamed BENKREIRA, Salik SHAH, Michael MOSSOBA
  • Publication number: 20230359350
    Abstract: In some implementations, a user device may receive, from a first other device, a first message, wherein the first message includes information indicating an event associated with an account of a user of the user device. The user device may provide, based on receiving the first message, a virtual keyboard for display on a display screen of the user device. The user device may obtain, based on providing the virtual keyboard, particular input. The user device may send to a second other device, and based on the particular input, a second message, wherein sending the second message is to cause the second other device to perform one or more actions associated with the event that is associated with the account of the user.
    Type: Application
    Filed: May 5, 2022
    Publication date: November 9, 2023
    Inventors: Joshua EDWARDS, Lauren FOX, Michael MOSSOBA
  • Publication number: 20230360041
    Abstract: In a method for transferring payment account information, a payment information transfer request is received from an account holder device associated with a first provider account. A list of payees to which electronic payments have been made from the first provider account is transmitted to the account holder device for display to the account holder and a user selection of at least one selected payee from the list of one or more payees is received from the account holder device. A payment account information data file is assembled in a predetermined data format, the file including payment account information for each selected payee. The payment account information data file is then transmitted to at least one of the set consisting of the account holder device and an information processing system of a second account provider.
    Type: Application
    Filed: May 2, 2023
    Publication date: November 9, 2023
    Inventors: Michael MOSSOBA, Joshua EDWARDS, Abdelkader BENKREIRA