Patents by Inventor Abdelkader M'Hamed Benkreira

Abdelkader M'Hamed Benkreira 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: 10846968
    Abstract: Computerized methods and systems for electronic voting are disclosed. Electronic voter registration information from a voting jurisdiction can be received. The electronic voter registration information can be matched to verified identity information for customers of the financial institution. Information indicating that the one or more customers are registered to vote at a polling location associated with the financial institution can be stored. Based on the stored information, the customers can be enabled to submit votes for the elections using computing devices associated with the financial institution.
    Type: Grant
    Filed: December 30, 2019
    Date of Patent: November 24, 2020
    Assignee: Capital One Services, LLC
    Inventors: Joshua Edwards, Michael Mossoba, Abdelkader M'Hamed Benkreira
  • Publication number: 20200364989
    Abstract: According to one aspect of the present disclosure, a method for improved reliability in a bank computer network can include: identifying an ATM proximate to a user device; determining whether the user device is communicably coupled to a server device over a secure link, the server device hosted by a financial institution and capable processing ATM transactions; establishing a secure link with the server device in response to determining the user device is not communicably coupled with the server device; prompting a user for permission to tether with the ATM in response to determining the user device is communicably coupled with the server device or determining the secure link has been established; receiving an indication of a response to the prompt for permission to tether with ATM; and establishing a P2P connection between the ATM and the user device.
    Type: Application
    Filed: February 20, 2020
    Publication date: November 19, 2020
    Applicant: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Michael Mossoba, Joshua Edwards
  • Patent number: 10839371
    Abstract: Using contactless cards to pay for offline transactions. An application executing on a mobile device may receive, via a communications interface of a contactless card, an account identifier of the contactless card, and transaction data received by the contactless card from a POS device via the communications interface, the transaction data comprising at least an identifier of a merchant account, a timestamp, and an amount of the transaction, a network connection between the POS device and a payment server not available. The application may transmit the account identifier and the transaction data to the payment server via a cellular network connection of the mobile device. The mobile device may receive, from the payment server via the cellular network connection, authorization of a payment for the transaction. The application may generate a graphical indication of the authorization of the payment for the transaction and output the graphical indication of the authorization.
    Type: Grant
    Filed: July 8, 2019
    Date of Patent: November 17, 2020
    Assignee: Capital One Services, LLC
    Inventors: Adam Vukich, Taurean Butler, Abdelkader M'Hamed Benkreira
  • Patent number: 10832273
    Abstract: A computer-implemented method for incentivizing user behavior including identifying an action for a user to perform, providing the number of credits that can be earned by the user for performing the action, verifying that the user has carried out the action and awarding the credits to the user.
    Type: Grant
    Filed: April 18, 2019
    Date of Patent: November 10, 2020
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Michael Mossoba, Joshua Edwards
  • Patent number: 10825003
    Abstract: Embodiments disclosed herein generally related to a system and method for authenticating a transfer request. A computing system receives a transfer request from a client device. The computing system determines that the monetary amount specified in the transfer request exceeds a threshold. The computing system identifies an automated teller machine (ATM) based on at least location information associated with a user of the client device. The computing system prompts the user to authenticate the transfer request at the identified ATM by transferring a message to the client device to be displayed thereon. The computing system receives an authentication attempt of the user from the ATM. The computing system compares authentication information in the authentication attempt to personal identification information associated with the user. The computing system determines that the authentication information at least partially matches personal identification information associated with the user.
    Type: Grant
    Filed: November 26, 2018
    Date of Patent: November 3, 2020
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Joshua Edwards, Michael Mossoba
  • Publication number: 20200342428
    Abstract: In one aspect, the present disclosure relates to a computer-implemented method for virtual deposit of paper currency. In some embodiments, the method may include receiving an indication from a device of a virtual deposit of paper currency to an account; receiving an image of the paper currency from the device; determining whether a virtual-deposit irregularity has occurred; in response to determining whether the virtual-deposit irregularity has occurred, crediting the account with at least a portion of the value of the virtually deposited paper currency; and providing a notification of a time period for physical deposit of the paper currency.
    Type: Application
    Filed: April 26, 2019
    Publication date: October 29, 2020
    Inventors: Abdelkader M'Hamed Benkreira, Michael Mossoba, Joshua Edwards
  • Patent number: 10817868
    Abstract: Aspects described herein may allow for a payment card assembly including a payment card having a first slot formed in a first surface therein, with the first slot having a bottom surface and pair of opposed side walls. A first cartridge houses electronic components and is removably received in the first slot. One or more first projections are formed on one of the first slot and the first cartridge. One or more first recesses are formed in the other of the first slot and the cartridge, with each first recess receiving a corresponding first projection to releasably retain the first cartridge in the first slot.
    Type: Grant
    Filed: February 27, 2020
    Date of Patent: October 27, 2020
    Assignee: Capital One Services, LLC
    Inventors: Daniel John Marsch, Abdelkader M'Hamed Benkreira, Taurean Butler, Jessica Greenberg
  • Publication number: 20200334705
    Abstract: A computer-implemented method for incentivizing user behavior including identifying an action for a user to perform, providing the number of credits that can be earned by the user for performing the action, verifying that the user has carried out the action and awarding the credits to the user.
    Type: Application
    Filed: April 18, 2019
    Publication date: October 22, 2020
    Applicant: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Michael Mossoba, Joshua Edwards
  • Publication number: 20200334660
    Abstract: Provided, in an aspect, is a method for performing a peer-to-peer transaction with a graphical construct on a first mobile device including a processor. The method includes receiving, by the processor, a user input for performing the peer-to-peer transaction; capturing, by the processor, one or more user intents of the received user input; determining, by the processor, an expressive element in accordance with the captured one or more user intents; generating, by the processor, the graphical construct from a customization of the expressive element; and performing, by the processor, the peer-to-peer transaction with a second mobile device in communication with the first mobile device by presenting the generated graphical construct. In some embodiments, capturing one or more user intents of the received user input is based on natural language processing (NLP).
    Type: Application
    Filed: April 18, 2019
    Publication date: October 22, 2020
    Applicant: Capital One Services, LLC
    Inventors: Michael Mossoba, Abdelkader M'Hamed Benkreira, Joshua Edwards
  • Patent number: 10796380
    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: January 30, 2020
    Date of Patent: October 6, 2020
    Assignee: Capital One Services, LLC
    Inventors: Michael Mossoba, Abdelkader M'Hamed Benkreira, Joshua Edwards
  • Patent number: 10798089
    Abstract: Embodiments of the present disclosure relate to systems and methods for capturing information. In addition, embodiments of the present disclosure relate to solutions for capturing information using a web browser extension. Embodiments of the present disclosure further relate to securely transmitting captured information to a server for association with an application or form being completed by an individual.
    Type: Grant
    Filed: June 11, 2019
    Date of Patent: October 6, 2020
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Michael Mossoba, Joshua Edwards
  • Publication number: 20200311242
    Abstract: A system for storing an object includes a card reader configured to receive a card from a user and to determine an identity of the user based on information on the card. The system also includes a secure storage area configured to store a plurality of physical boxes. The plurality of physical boxes includes a first physical box that is assigned to the user. The first physical box is configured to be dispensed from the secure storage area to the user outside of the secure storage area in response to the user requesting to physically receive the first physical box. Dispensing the first physical box includes moving the first physical box along a predetermined path in the secure storage area and presenting the first physical box for removal from the secure storage area.
    Type: Application
    Filed: June 17, 2020
    Publication date: October 1, 2020
    Inventors: Abdelkader M'Hamed Benkreira, Joshua Edwards, Michael Mossoba
  • Patent number: 10789349
    Abstract: A system for storing an object includes a card reader configured to receive a card from a user and to determine an identity of the user based on information on the card. The system also includes a secure storage area configured to store a plurality of physical boxes. The plurality of physical boxes includes a first physical box that is assigned to the user. The first physical box is configured to be dispensed from the secure storage area to the user outside of the secure storage area in response to the user requesting to physically receive the first physical box. Dispensing the first physical box includes moving the first physical box along a predetermined path in the secure storage area and presenting the first physical box for removal from the secure storage area.
    Type: Grant
    Filed: May 23, 2019
    Date of Patent: September 29, 2020
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Joshua Edwards, Michael Mossoba
  • Publication number: 20200302755
    Abstract: A method for improved security at automated teller machines (ATMs) comprising: capturing, by a first camera at an ATM, one or more images of a bank card; reading card information from the bank card by processing the one or more images of the bank card, wherein the card information comprises an account number and an expiration date; receiving, from an input device at the ATM, a personal identification number (PIN) entered by a user; sending a request to a server device to verify the card information and the PIN; and in response receiving a response from the server device, allowing the user to transact with the ATM.
    Type: Application
    Filed: March 22, 2019
    Publication date: September 24, 2020
    Applicant: Capital One Services, LLC
    Inventors: Joshua Edwards, Abdelkader M'Hamed Benkreira, Michael Mossoba, Rajko Ilincic
  • Patent number: 10783516
    Abstract: A system includes a processing system and a memory system. The processing system includes one or more processors. The memory system includes one or more computer-readable media that contain instructions that, when executed by the processing system, cause the processing system to perform operations. The operations include detecting a loading of a webpage including a document object model (DOM). The operations also include analyzing the DOM to identify a first element in the DOM. The operations also include determining, based on the first element, that the webpage is configured to accept payments. The operations also include receiving, from a provider server, a virtual token which corresponds to a user account. The operations also include injecting information from the virtual token into one or more account number fields on the webpage.
    Type: Grant
    Filed: April 11, 2018
    Date of Patent: September 22, 2020
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Jonathan Bodner, Joshua Edwards, Eric Medin, Adam Vukich, James Zarakas
  • Patent number: 10776792
    Abstract: The present disclosure generally relates to a system and method of verifying a banknote. A computing system receives a first request to pre-approve a banknote. The first request includes one or more visual characteristics of the banknote. The computing system receives, from a second user, a second request to deposit a circulating banknote. The second request includes a representation of the circulating banknote. The computing system identifies that an account from which the representation of the circulating banknote originated is the first user account. The computing system compares the representation of the circulating banknote to the one or more visual characteristics of the banknote stored in the first user account. The computing system determines that the representation of the circulating banknote is equivalent to the pre-activated banknote by identifying the one or more visual characteristics of the pre-activated banknote in the representation of the circulating banknote.
    Type: Grant
    Filed: November 11, 2019
    Date of Patent: September 15, 2020
    Assignee: Capital One Services, LLC
    Inventors: Adam Vukich, Abdelkader M'Hamed Benkreira, Joshua Edwards, Michael Mossoba
  • Publication number: 20200273017
    Abstract: Provided, in an aspect, is a method for performing an online transaction using a graphical construct. The method can include receiving, by a client device, inputs to generate the graphical construct; transmitting to a server in communication with the client device, a request to generate the graphical construct; receiving, by the client device, the generated graphical construct and a summary information from the server; displaying, through a user interface of the client device, a summary screen including the generated graphical construct and the summary information; embedding, by the client device, the generated graphical construct on a third-party application running on the client device; sending, by the client device, a transaction request to perform the online transaction using the generated graphical construct; and presenting for display, through the user interface of the client device, a notification including a status of the online transaction.
    Type: Application
    Filed: February 25, 2019
    Publication date: August 27, 2020
    Applicant: Capital One Services, Inc.
    Inventors: Michael Mossoba, Abdelkader M'Hamed Benkreira, Joshua Edwards
  • Patent number: 10748133
    Abstract: An example transaction analysis platform is described herein. The transaction analysis platform may analyze an audio signal to determine whether a user is associated with a transaction. The transaction analysis platform may determine that a tone of the audio signal is a transaction tone associated with the transaction. The transaction analysis platform may process, based on detecting the transaction tone, the audio signal to identify a set of tones associated with the transaction. The transaction analysis platform may generate, based on a quantity of the set of tones, transaction information associated with the transaction, wherein the transaction information identifies a quantity of items associated with the transaction, wherein the quantity of items corresponds to the quantity of the set of tones. The transaction analysis platform may perform an action associated with the transaction information and a transaction account of the user.
    Type: Grant
    Filed: January 30, 2020
    Date of Patent: August 18, 2020
    Assignee: Capital One Services, LLC
    Inventors: Michael Mossoba, Joshua Edwards, Abdelkader M'Hamed Benkreira
  • Patent number: 10733261
    Abstract: In one aspect, the present disclosure relates to a method for reducing fraud in computer networks, the method including receiving, from each of a plurality of user devices, a request to block an ad displayed within a web browser installed on the user device, the request comprising image data and a forwarding URL associated with the ad; storing crowdsourced ad blocking data based on the received requests to block ads; receiving a request for a list of blocked ads; generating a list of blocked ads based on analyzing the crowdsourced ad blocking data, wherein analyzing the crowdsourced ad blocking data comprises identifying ads blocked by at least a threshold number of users; and sending the list of blocked ads to a first user device, the first user device comprising a browser extension configured to prevent ads within the list of blocked ads from being rendered in a browser.
    Type: Grant
    Filed: June 10, 2019
    Date of Patent: August 4, 2020
    Assignee: Capital One Services, LLC
    Inventors: Adam Vukich, Abdelkader M'Hamed Benkreira, Joshua Edwards
  • Publication number: 20200242586
    Abstract: An apparatus is disclosed herein. The apparatus includes a first liner, a second liner, one or more fastening components, and one or more prongs. The one or more fastening components couples the first liner to the second liner, defining an opening between. The one or more prongs are positionable between a closed position within the opening and an open position exterior to the opening. The one or more prongs include a payment prong. The payment prong includes a body free, a payment chip receptacle, and a payment chip. The body is free from any personal identification information. The payment chip receptacle is attached to the body. The payment chip is positioned in the payment chip receptacle. The payment chip is removable therefrom.
    Type: Application
    Filed: October 8, 2019
    Publication date: July 30, 2020
    Applicant: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Joshua Edwards, Michael Mossoba