Patents by Inventor Joshua Edwards

Joshua Edwards 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: 20250088494
    Abstract: Systems and methods for authenticating a user may include transmitting a request for a first set of information after validation of authentication information; receiving a response comprising the first set of information; parsing the first set of information using one or more template-based algorithms by scanning one or more websites to determine publicly available information associated with a user; comparing compare one or more results of the parsing with a second set of information to yield compromised information associated with the user; eliminating one or more portions of the second set of information based on the comparison; presenting a third set of information to authenticate the user based on the elimination and by supplementing the first set of information with a fourth set of information; and presenting a fifth set of information to authenticate the user if the third set of information fails to reach a predetermined threshold number.
    Type: Application
    Filed: September 19, 2024
    Publication date: March 13, 2025
    Inventors: Abdelkader BENKREIRA, Michael MOSSOBA, Joshua EDWARDS
  • Publication number: 20250086610
    Abstract: Embodiments of systems and methods for generating virtual account-linked cards are described. A virtual account-linked card may be generated in response to a determination that a physical account-linked card has been forgotten at a card reader and ingested by the card reader. A virtual account-linked card may be restricted such that it can only be used to execute a transaction with authorized transaction partners identified in a database.
    Type: Application
    Filed: November 26, 2024
    Publication date: March 13, 2025
    Inventors: Joshua EDWARDS, Michael MOSSOBA, Abdelkader BENKREIRA
  • Publication number: 20250086698
    Abstract: Methods, systems, and apparatuses are described herein for associating past auction bidding activity with subsequent financial transactions. A computing device may receive, from a web browser plugin of a web browser application executing on a user computing device, bid information relating to bids placed by a user on an auction website. Such information may be collected by, for example, scraping the Document Object Model of the website. After the auction ends, the computing device may determine a plurality of different candidate financial transactions for the user. Based on an estimated payment amount, the computing device may select, from the plurality of different candidate financial transactions, a matching financial transaction, then output an association between a bid and the matching financial transaction.
    Type: Application
    Filed: September 11, 2023
    Publication date: March 13, 2025
    Applicant: Capital One Services, LLC
    Inventors: Joshua Edwards, Michael Mossoba, Tyler Maiman
  • Patent number: 12249228
    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: Grant
    Filed: May 13, 2022
    Date of Patent: March 11, 2025
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Joshua Edwards, Michael Mossoba, Tyler Maiman
  • Patent number: 12248750
    Abstract: Disclosed embodiments accelerate web form completion based on email address analytics. An email address can be input with respect to a web form and identified. The email address can be parsed into a username and a domain name and analyzed. A value of a web form field can be determined based on data extracted from the username, domain name, or both. The determined value can then be employed to automatically complete a corresponding web form field Values for additional fields can be computed based on the determined value alone or combined with data from other sources. User input and interaction with a web form can be monitored and used as a basis to dynamically complete additional fields, alter fields, or clear field values.
    Type: Grant
    Filed: August 2, 2022
    Date of Patent: March 11, 2025
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Joshua Edwards, Michael Mossoba
  • Patent number: 12250188
    Abstract: In some implementations, a device of a user may receive user input indicative of a selection of an application implemented by the device. The user input may be received via a graphical user interface presented by the device. The user input may be received while the application is in an unlaunched state in which the user is unauthenticated for use of the application. The device may obtain, while the application is in the unlaunched state, one or more messages of the application. The device may cause, while the application is in the unlaunched state, information indicative of at least one message, of the one or more messages, to be displayed in the graphical user interface.
    Type: Grant
    Filed: July 28, 2023
    Date of Patent: March 11, 2025
    Assignee: Capital One Services, LLC
    Inventors: Kathryn Tikoian, Joshua Edwards, Tyler Maiman
  • Patent number: 12242800
    Abstract: A device attempts to access a resource that requires a multi-factor authentication (MFA), and receives, from an MFA server device, a challenge form. The device performs natural language processing on the challenge form to determine a first location of an input for a security code and a second location of a verify button. The device provides, to an email server device, a request to access emails associated with a user of the device, and receives access to multiple emails associated with the user. The device processes the multiple emails to identify an MFA email in the multiple emails, and identifies a security code in the MFA email. The device provides the security code at the first location, and selects the verify button at the second location. The device provides the security code to the MFA server device, and receives information indicating whether the device is authenticated.
    Type: Grant
    Filed: September 1, 2023
    Date of Patent: March 4, 2025
    Assignee: Capital One Services, LLC
    Inventors: Vu Nguyen, Abdelkadar M'Hamed Benkreira, David Gabriele, Jonatan Yucra Rodriguez, Joshua Edwards, Adam Vukich
  • Patent number: 12242576
    Abstract: Aspects described herein may relate to techniques for detecting login activity to a financial account during a knowledge-based authentication process. The login activity may be related to access to an online interface for the financial account. The detection of login activity during the authentication process my indicate that the integrity of the authentication process is compromised as login access may provide an individual with transaction data that may be used to answer transaction-based authentication questions. As a result of detecting login activity, an alternative authentication process may be initiated or an authentication request related to the financial account may be denied.
    Type: Grant
    Filed: March 8, 2024
    Date of Patent: March 4, 2025
    Assignee: Capital One Services, LLC
    Inventors: Joshua Edwards, Samuel Rapowitz, Jenny Melendez, David Septimus, Daniel Miller, Viraj Chaudhary, Tyler Maiman, Vyjayanthi Vadrevu
  • Patent number: 12243184
    Abstract: In a video capture system, a virtual lens is simulated when applying a crop or zoom effect to an input video. An input video frame is received from the input video that has a first field of view and an input lens distortion. A selection of a sub-frame representing a portion of the input video frame is obtained that has a second field of view smaller than the first field of view. The sub-frame is processed to remap the input lens distortion to a desired lens distortion in the sub-frame. The processed sub-frame is output.
    Type: Grant
    Filed: June 23, 2023
    Date of Patent: March 4, 2025
    Assignee: GoPro, Inc.
    Inventors: David A. Newman, Joshua Edward Bodinet, Otto Kenneth Sievert, Timothy MacMillan
  • Patent number: 12242592
    Abstract: Methods, systems, and apparatuses are described herein for improving computer authentication processes by generating authentication questions based on the location of a user. Transaction data indicating a plurality of transactions associated with a user account may be received. Location data indicating a plurality of locations of a user device might be received. At least a subset of the plurality of transactions may be tagged, based on the location data, with an indication that a user was present for a respective transaction. For example, a location of a merchant might be compared to a user device location indicated by the location data. A plurality of authentication questions might be generated based on the subset of the plurality of transactions. Access to the user account might be provided based on responses to the plurality of authentication questions.
    Type: Grant
    Filed: March 13, 2024
    Date of Patent: March 4, 2025
    Assignee: Capital One Services, LLC
    Inventors: Samuel Rapowitz, Tyler Maiman, Joshua Edwards, Viraj Chaudhary, Daniel Miller, David Septimus, Jenny Melendez
  • Publication number: 20250068922
    Abstract: Methods and systems for generating synthetic training data based on abandoned web activity data are described herein. In some aspects, the system determines that a user abandoned a user activity included in web activity data for the user. The system processes, using a first machine learning model, the abandoned web activity data to generate a probability for each entry in the abandoned web activity data. Each probability indicates a likelihood that the abandoned user activity would have been completed. The system generates a synthetic dataset that includes abandoned web activity with a probability above a threshold. The system uses the synthetic dataset to train a second machine learning model. The system tests the machine learning model using a testing dataset based on completed user activities.
    Type: Application
    Filed: August 21, 2023
    Publication date: February 27, 2025
    Applicant: Capital One Services, LLC
    Inventors: Joshua EDWARDS, Benjamin ENG, Youbing YIN
  • Publication number: 20250069081
    Abstract: In certain embodiments, image-feature malicious-activity detection and access prevention may be facilitated, where an activity notification associated with a transaction triggers feature detection for at least one image related to a different transaction. In some embodiments, a first image (received in connection with a first transaction) may be associated with the first transaction, and a second image (received in connection with a second transaction) may be associated with a second transaction. In response to a malicious activity notification associated with the first transaction, an identifying characteristic (e.g., a facial feature) detected in the first image may be used to determine whether to prevent access to an account related to the second transaction. As an example, in response to determining that the identifying characteristic is present in the second image, access to the account related to the second transaction may be prevented.
    Type: Application
    Filed: November 11, 2024
    Publication date: February 27, 2025
    Applicant: Capital One Services, LLC
    Inventors: Joshua Edwards, Michael Mossoba, Abdelkader Benkreira
  • Patent number: 12236424
    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: Grant
    Filed: May 2, 2023
    Date of Patent: February 25, 2025
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Michael Mossoba, Joshua Edwards, Abdelkader Benkreira
  • Patent number: 12236771
    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: December 6, 2023
    Date of Patent: February 25, 2025
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Abdelkader Benkreira, Joshua Edwards, Michael Mossoba
  • Patent number: 12236406
    Abstract: Systems and methods are provided for group bill payment comprising creating a secure group bill payment account associated with a plurality of group members. The group bill payment account may be configured to receive information via a network from the plurality of group members; permit a group member to manage the group bill payment account following an authentication process; and transmit a group payment to a provider. Systems and methods may further comprise receiving instructions from a group member to create a rule for requesting payment, the bill being from a provider and associated with group members; receiving the bill issued by the provider; determining a charge based on the bill and the rule; sending a payment request based on the charge; receiving a deposit into the group bill payment account; transmitting a group payment; and sending a notification.
    Type: Grant
    Filed: November 30, 2022
    Date of Patent: February 25, 2025
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Joshua Edwards, Michael Mossoba
  • Publication number: 20250063118
    Abstract: In some embodiments, the present disclosure provides an exemplary method that may include steps of monitoring, a conversation script between a call center agent and a customer; utilizing, a speech-to-text deep machine learning model to transcribe the audio call to text; utilizing, a natural language processing deep machine learning model to map intent mappings of the audio call; utilizing, a similarity measurement model to determine a semantic similarity between predefined intent mappings and the intent mappings of the call audio text; determining, an error based on the semantic similarity in the intent mapping call audio text; determining a training session based on the error.
    Type: Application
    Filed: August 16, 2023
    Publication date: February 20, 2025
    Inventors: Joshua Edwards, Alexander Lin, Mia Rodriguez, Guadalupe Bonilla, Aysu Ezen Can, Michael Mossoba, Feng Qiu, Tyler Maiman, Meredith L. Critzer
  • Publication number: 20250063116
    Abstract: In some embodiments, the present disclosure provides an exemplary method that may include steps of obtaining, a permission from each user to monitor a plurality of activities; continually receiving monitoring data of the plurality of activities; identifying a plurality of related incoming interaction sessions within the predetermined period of time; automatically verifying at least one common session parameter; utilizing a machine learning algorithm to determine at least one transaction; determining a plurality of fraudulent transactional rules; automatically adjusting the plurality of fraudulent transactional rules; utilizing a natural language processing algorithm to automatically generate at least one interaction notification; receiving a response to the interactive notification; and automatically updating the database of known session interaction parameters based on the response to the interactive notification.
    Type: Application
    Filed: August 18, 2023
    Publication date: February 20, 2025
    Inventors: Joshua Edwards, Shabnam Kousha, Asher Smith-Rose, Tyler Maiman
  • Patent number: 12231599
    Abstract: Systems and methods of location-aware caller identification via machine learning techniques are disclosed. In one embodiment, an exemplary computer-implemented method may include: utilizing a trained call annotation machine learning model to determine one or both of an annotating condition and annotating location granularity, and associate one location of a user with one phone number of the user based at least on one or both of the annotating condition and the annotating location granularity; receiving second transactional information of one transaction associated with a first user; extracting second location information from the second transactional information of the one transaction; utilizing the trained call annotation machine learning model to automatically annotate one phone number record of one phone number of the first user, with the second location information at the annotating location granularity to form at least one user-specific location-specific annotated phone number record.
    Type: Grant
    Filed: September 14, 2022
    Date of Patent: February 18, 2025
    Assignee: Capital One Services, LLC
    Inventors: Asher Smith-Rose, Lin Ni Lisa Cheng, Joshua Edwards, Tyler Maiman, Shabnam Kousha
  • Patent number: 12229231
    Abstract: Methods, systems, and apparatuses are described herein for improving the accuracy of authentication questions using transaction limitations provided by users. A request for access to an account associated with a user may be received from a user device. An account restrictions database may be queried to determine one or more transaction rules associated with the account. The one or more transaction rules may have been created by the user and indicate limitations on financial transactions that may be performed via the account. An authentication question may be generated that is associated with a violation of the one or more transaction rules. The authentication question may be provided to the user device, and a response to the authentication question may be received. Access to the account may be provided to the user device based on the response.
    Type: Grant
    Filed: January 9, 2024
    Date of Patent: February 18, 2025
    Assignee: Capital One Services, LLC
    Inventors: Viraj Chaudhary, David Septimus, Jenny Melendez, Samuel Rapowitz, Tyler Maiman, Joshua Edwards
  • Patent number: 12231597
    Abstract: A computer-implemented method comprising: instructing a computing device to obtain a permission from the user to monitor a plurality of activities executed within the computing device; receiving a call session request from a computing device associated with a second user; utilizing a trained machine learning algorithm to confirm an identity of the user based on the call session interaction parameter to confirm the call interaction session as a verified call interaction session; generating a fictitious call session interaction parameter that differs from the at least one call session interaction parameter; modifying the call session request into a verified call session request by replacing the call session interaction parameter with the fictitious call session interaction parameter; utilizing a telecommunication network to transmit the verified call session request with the at least one fictitious session interaction parameter to the first calling-enabled computing device; automatically instructing the first c
    Type: Grant
    Filed: September 15, 2022
    Date of Patent: February 18, 2025
    Assignee: Capital One Services, LLC
    Inventors: Joshua Edwards, Asher Smith-Rose, Tyler Maiman, Lin Ni Lisa Cheng, Shabnam Kousha