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: 20240119467
    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: Application
    Filed: December 18, 2023
    Publication date: April 11, 2024
    Applicant: Capital One Services, LLC
    Inventors: Michael Mossoba, Joshua Edwards, Sarah Cunningham, Mark Rothbaum
  • Publication number: 20240119136
    Abstract: Methods, systems, and apparatuses are described herein for improving the accuracy of synthetic authentication questions by analyzing third party account data. A request for access to a first account associated with a user may be received. The first account may be managed by a first organization. A transactions database might be queried for first account data. Second account data corresponding to a second account associated with the user might be received. That second account may be managed by a second organization different from the first organization. One or more second transactions, unique to the second account, may be identified. A synthetic transaction, configured to be different from transactions in the first account and the one or more second transactions, may be generated. An authentication question may be generated based on the synthetic transaction. Access to the first account might be provided based on a response to the authentication question.
    Type: Application
    Filed: December 19, 2023
    Publication date: April 11, 2024
    Inventors: Joshua Edwards, Vyjayanthi Vadrevu, Tyler Maiman, Viraj Chaudhary, Daniel Miller, David Septimus, Jenny Melendez, Samuel Rapowitz
  • Patent number: 11954944
    Abstract: Systems and methods of the present disclosure physical object-based passwords by registering an object password including first object representations, first background scene representations, and a first presentation sequence from first image data. Receiving second image data and a second presentation sequence that is a second order in which the user has presented second physical objects to an image acquisition device, and detecting in the second image data second object representations of the second physical objects, and second background scene representations. Computing a probability that the user is a permissioned user by inputting the first image data and the second image data into a machine learning model configured to compute the probability based on comparing the object password and the second image data. Tagging the user as the permissioned user or non-permissioned user based on the probability.
    Type: Grant
    Filed: April 20, 2021
    Date of Patent: April 9, 2024
    Assignee: Capital One Services, LLC
    Inventors: Gaurang Bhatt, Joshua Edwards, Lukiih Cuan
  • Patent number: 11954689
    Abstract: A device receives first transaction information associated with a first transaction, and a first transaction account utilized for the first transaction and associated with a first financial institution. The device determines, based on a fraud model, that the first transaction is to be denied due to potential fraud associated with the first transaction account and receives second transaction information associated with a second transaction, and a second transaction account utilized for the second transaction and associated with a second financial institution. The device processes the first transaction information and the second transaction information, with a matching model, to determine whether the first transaction information matches the second transaction information and determines that the first transaction was incorrectly denied when the first transaction information matches the second transaction information within a predetermined threshold.
    Type: Grant
    Filed: December 9, 2022
    Date of Patent: April 9, 2024
    Assignee: Capital One Services, LLC
    Inventors: Colin Hart, Joshua Edwards, Francisco Perezleon, Molly Johnson, Kaitlin Newman, Angelina Wu, Jason Ji
  • Patent number: 11954187
    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: June 23, 2021
    Date of Patent: April 9, 2024
    Assignee: Capital One Services, LLC
    Inventors: Joshua Edwards, Samuel Rapowitz, Jenny Melendez, David Septimus, Daniel Miller, Viraj Chaudhary, Tyler Maiman, Vyjayanthi Vadrevu
  • Patent number: 11954192
    Abstract: Methods, systems, and apparatuses are described herein for improving computer authentication processes using vocal confidence processing. A request for access to an account may be received. An authentication question may be provided to a user. Voice data indicating one or more vocal utterances by the user in response to the authentication question may be received. The voice data may be processed, and a first confidence score that indicates a degree of confidence of the user when answering the authentication question may be determined. An overall confidence score may be modified based on the first confidence score. Based on determining that the overall confidence score satisfies a threshold, data preventing the authentication question from being used in future authentication processes may be stored. The data may be removed when a time period expires.
    Type: Grant
    Filed: June 16, 2021
    Date of Patent: April 9, 2024
    Assignee: Capital One Services, LLC
    Inventors: Joshua Edwards, Tyler Maiman, David Septimus, Daniel Miller, Viraj Chaudhary, Samuel Rapowitz
  • Publication number: 20240104189
    Abstract: In some embodiments, the present disclosure provides an exemplary method that may include steps of obtaining a permission from the user to monitor a plurality of activities executed within the computing device; continually monitoring the plurality of activities executed within the computing device for a predetermined period of time; identifying an indication of an incoming interaction session within the predetermined period of time; automatically verifying a session interaction parameter associated with the incoming interaction session; determining a plurality of inquires associated with the research interaction session based on the at least one session interaction parameter; identifying the plurality of demographic informational items associated with the user; and automatically updating the programmable GUI element to display the plurality of inquires associated with the interaction session and the plurality of demographic informational items associated with the user.
    Type: Application
    Filed: September 16, 2022
    Publication date: March 28, 2024
    Inventors: Joshua Edwards, Lin Ni Lisa Cheng, Asher Smith-Rose, Tyler Maiman, Shabnam Kousha
  • Publication number: 20240106843
    Abstract: In some embodiments, the present disclosure provides an exemplary method that may include steps of obtaining a trained spam upsurge detection machine learning model that determines when a current frequency associated with spam communications received by a current user exceeds a baseline frequency associated with the current user; receiving a permission indicator identifying a permission by the user to detect communications being received by the computing device; receiving an indication of at least one communication being received; determining the at least one communication as a particular spam communication; updating a frequency at which spam communications have been received by the user based at least in part on the particular spam communication; utilizing the trained spam upsurge detection machine learning model to determine that the frequency exceeds a baseline frequency associated with the user; and initiating a scan of one or more dark web resources.
    Type: Application
    Filed: September 28, 2022
    Publication date: March 28, 2024
    Inventors: Asher Smith-Rose, Joshua Edwards, Lin Ni Lisa Cheng, Shabnam Kousha, Tyler Maiman
  • Patent number: 11943222
    Abstract: Systems and methods for improved security authentication are disclosed. In some embodiments, an improved system for security authentication may include a plurality of computing devices, and a server system communicatively coupled to the plurality of computing devices. The server system may be configured to receive a request for security authentication, determine an authorization providing computing device from among the plurality of computer devices based on authentication preferences stored in a database communicatively coupled to the server system, generate and transmit authentication information to the determined authorization providing computing device, receive, from an initiating computing device an authentication input, determine whether the received authentication input matches the transmitted authentication information, and complete the request for security authentication when the received authentication input matches the generated and transmitted authentication information.
    Type: Grant
    Filed: May 2, 2023
    Date of Patent: March 26, 2024
    Assignee: Capital One Services, LLC
    Inventors: Michael Mossoba, Joshua Edwards, Salik Shah
  • Publication number: 20240095766
    Abstract: Systems as described herein may include predicting item level data based on merchant advertisement information. A transaction pattern may be detected. The merchant advertisement information may be retrieved and parsed to generate a price list. A number of transactions that each shares a common payment amount may be determined and the number may reach a threshold value. Items from the price list may be matched with the common payment amount. The transaction records may be updated to indicate likely item level transaction information. In a variety of embodiments, the likely transaction information may be presented to a user.
    Type: Application
    Filed: November 28, 2023
    Publication date: March 21, 2024
    Inventors: Joshua Edwards, Adam Vukich, George Bergeron
  • Publication number: 20240095787
    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: Application
    Filed: November 27, 2023
    Publication date: March 21, 2024
    Inventors: Abdelkader M'Hamed Benkreira, Michael Mossoba, Joshua Edwards
  • Publication number: 20240095327
    Abstract: Methods, systems, and apparatuses are described herein for improving computer authentication processes through computer-based authentication in a manner that uses knowledge of former devices. A computing device may train a machine learning model to output an indication of device reliability data associated with a particular device. The computing device may receive a request for access to an account from a user. The computing device may receive account data and provide the account data to the trained machine learning model. The computing device may receive data indicating device reliability for a set of devices from the machine learning model. The computing device may generate a modified set of device choices for the user by excluding devices having reliability levels below a threshold value. An authentication question may be generated, and access to the account may be provided based on a response to the authentication question.
    Type: Application
    Filed: September 19, 2022
    Publication date: March 21, 2024
    Inventors: Abdelkader M'Hamed Benkreira, Joshua Edwards, Michael Mossoba
  • Publication number: 20240098098
    Abstract: The present disclosure provides an exemplary method, system, and computing device that may include the steps of receiving a first indication that information of a user has been detected at one or more dark web resources; classifying the item of the compromised information into an information type category; receiving a permission indicator to detect communications by the computing device; receiving a second indication of a communication; receiving a third indication that the user engages an interaction with the communication; instructing the computing device to execute a technique to obtain data for the communication; receiving the data for the communication; determining the communication is a spam communication; determining a current information type category being discussed during the spam communication; making a determination that the current information type category corresponds to the information type category; and instructing a graphical user interface to display an alert to the user.
    Type: Application
    Filed: September 21, 2022
    Publication date: March 21, 2024
    Inventors: Asher Smith-Rose, Tyler Maiman, Joshua Edwards, Lin Ni Lisa Cheng, Shabnam Kousha
  • Publication number: 20240098177
    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: Application
    Filed: September 15, 2022
    Publication date: March 21, 2024
    Inventors: Joshua Edwards, Asher Smith-Rose, Tyler Maiman, Lin Ni Lisa Cheng, Shabnam Kousha
  • Publication number: 20240095228
    Abstract: In some embodiments, the present disclosure provides an exemplary method that may include steps of receiving input data from at least one external data aggregator; utilizing a trained machine learning algorithm to generate a database of known queries; receiving subsequent input data from the at least one external aggregator; automatically updating the database of known queries associated with the plurality of users; utilizing the trained machine learning algorithm to perform a cross-reference analysis to determine a presence of a data record within the database of known queries; dynamically removing the data record from the database of known queries; utilizing the trained machine learning algorithm to predict a trigger associated with the presence of the at least one data record; and instructing a computing device to initiate a verification of the presence of the at least one data record.
    Type: Application
    Filed: September 16, 2022
    Publication date: March 21, 2024
    Inventors: Shabnam Kousha, Joshua Edwards, Lin Ni Lisa Cheng, Tyler Maiman, Asher Smith-Rose
  • Publication number: 20240089370
    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: Application
    Filed: September 14, 2022
    Publication date: March 14, 2024
    Inventors: Asher Smith-Rose, Lin Ni Lisa Cheng, Joshua Edwards, Tyler Maiman, Shabnam Kousha
  • Publication number: 20240086262
    Abstract: In some embodiments, the present disclosure provides an exemplary method that may include steps of obtaining a permission from the user to monitor a plurality of activities executed within the computing device; receiving monitoring data of the activities executed within the plurality of computing devices for a predetermined period of time; identifying incoming interaction sessions across the plurality of computing devices; verifying one common session parameter associated with the incoming interaction sessions to identify the incoming interaction sessions as suspect interaction sessions; determining a frequency metric for the suspect interaction sessions; determining a threshold value for the frequency metric; receiving new monitoring data; determining that the new incoming interaction session has at least one common session interaction parameter with the suspect interaction sessions; automatically generating an interaction notification for transmission to the computing device; receiving a response to the int
    Type: Application
    Filed: September 14, 2022
    Publication date: March 14, 2024
    Inventors: Shabnam Kousha, Lin Ni Lisa Cheng, Asher Smith-Rose, Joshua Edwards, Tyler Maiman
  • Publication number: 20240086852
    Abstract: Techniques for verifying employment of a user are provided. A financial product or service may be requested by a user. Work schedule information for the user may be determined that may identify an expected work location of the user and expected work times for the user. Location data associated with the user may be obtained and compared to the expected work location and times for the user. A confidence score of the user may be generated based on the comparison. The requested financial product or service may be provided to the user if the confidence score meets or exceeds a predetermined threshold. In this manner, employment and/or reliability may be determined for a user having no credit history.
    Type: Application
    Filed: September 14, 2022
    Publication date: March 14, 2024
    Inventors: Louis Buell, Joshua Edwards, Michael Mossoba
  • Publication number: 20240086655
    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: Application
    Filed: November 16, 2023
    Publication date: March 14, 2024
    Inventors: Joshua Edwards, Abdelkader Benkreira, Michael Mossoba
  • Patent number: 11929894
    Abstract: In some embodiments, a queue may be monitored to perform an automated adjustment related to a data item in the queue. In some embodiments, the data item may be associated with a product or service and include a code related to an access to the product or service. Based on the code, configuration information related to the product or service may be obtained. Based on a detected change related to the product or service, an indication of a set of self-support actions may be sent to a user device. One or more self-support actions (performed via the user device) may be determined, and an adjustment related to the access to the product or service may be performed based on the determined self-support actions. In some embodiments, the adjustment may include modifying a configuration of the access to the product or service based on the determined self-support actions.
    Type: Grant
    Filed: March 24, 2022
    Date of Patent: March 12, 2024
    Assignee: Capital One Services, LLC
    Inventors: Joshua Edwards, Carrie Norman, Abdelkader M'Hamed Benkreira