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).

  • Patent number: 11874918
    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; verifying at least one session interaction parameter associated with the incoming interaction session to identify the incoming interaction session as a repeat interaction session; dynamically retrieving at least one relation-specific notation from a plurality of relation-specific notations to display; instructing an input GUI element to display input data associated with the repeat interaction; automatically updating the plurality of relation-specific notations associated with the historical data relationship; and instructing at least one programmable output GUI to display a notif
    Type: Grant
    Filed: January 20, 2022
    Date of Patent: January 16, 2024
    Assignee: Capital One Services, LLC
    Inventors: Tyler Maiman, Lin Ni Lisa Cheng, Asher Smith-Rose, Shabnam Kousha, Joshua Edwards
  • Publication number: 20240013211
    Abstract: Methods, systems, and apparatuses are described herein for improving computer authentication processes through computer-based authentication in a manner that excludes P2P transactions from being presented in false options presented to users. A computing device may receive a request for access to an account from a user. The computing device may provide transaction data to a machine learning model. The computing device may receive one or more merchant names related to P2P transactions from the machine learning model. The computing device may generate a modified set of false merchant choices for the user by excluding merchants related to P2P transactions. 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: July 5, 2022
    Publication date: January 11, 2024
    Inventors: Joshua Edwards, David Septimus, Jenny Melendez, Tyler Maiman, Samuel Rapowitz, Viraj Chaudhary
  • Patent number: 11868596
    Abstract: A computing device may determine that a condition exists with respect to a user of an application. Based on the determined condition, the computing device may determine an action for the user to perform via the application, and an associated importance level of the action. The computing device may identify a user interface element of the application that is associated with the action and a color that is associated with the importance level. The computing device may change the appearance of the identified user interface element such that the user interface element has the color that is associated with the importance level of the action.
    Type: Grant
    Filed: July 28, 2021
    Date of Patent: January 9, 2024
    Assignee: Capital One Services, LLC
    Inventors: Tyler Maiman, Kathryn Tikoian, Joshua Edwards
  • 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
  • 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
  • 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
  • Publication number: 20230421555
    Abstract: Methods, systems, and apparatuses are described herein for improving the accuracy of authentication questions using e-mail processing. A request for access to an account may be received from a user device. A plurality of organizations may be identified. One or more e-mail associated with the account may be identified. The e-mails may be processed to identify one or more organizations that correspond to transactions conducted by a user. A modified plurality of organizations may be generated by removing, from the plurality of organizations, the one or more organizations. An authentication question may be generated and provided to the user device. A response to the authentication question may be received, and the user device may be provided access based on the response.
    Type: Application
    Filed: September 7, 2023
    Publication date: December 28, 2023
    Inventors: Viraj Chaudhary, Vyjayanthi Vadrevu, Tyler Maiman, David Septimus, Samuel Rapowitz, Jenny Melendez, Joshua Edwards
  • 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: 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: 11855981
    Abstract: A server device receives, from a user device, a session initiation request and information identifying a location of the user device, and receives, from a monitoring device that is separate from the user device, an authentication request and information identifying a location of the monitoring device. The server device processes the session initiation request and the authentication request to authenticate a user of the user device, and determines, based on the location of the user device and the location of the monitoring device, that the user device and the monitoring device are collocated. The server device creates, after authenticating the user of the user device and determining that user device and the monitoring device are collocated, a session token, and sends the session token to the user device to enable the user device to access at least one resource of the server device.
    Type: Grant
    Filed: January 23, 2023
    Date of Patent: December 26, 2023
    Assignee: Capital One Services, LLC
    Inventors: Joshua Edwards, Adam Vukich, Abdelkadar M'Hamed Benkreira
  • 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: 11854014
    Abstract: A fraud detection system may identify a suspected fraudulent transaction based on one or more criteria. The transaction may be associated with a user. Based on identifying a suspected fraudulent transaction, the fraud detection system may receive augmented reality data from an augmented reality device of the user. The fraud detection system may determine, based on the augmented reality data, whether the transaction is fraudulent, and may take an action based on the determination.
    Type: Grant
    Filed: July 1, 2020
    Date of Patent: December 26, 2023
    Assignee: Capital One Services, LLC
    Inventors: Joshua Edwards, Eric Loucks, Jacob Learned
  • 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
  • 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
  • Publication number: 20230392803
    Abstract: A distribution tray for a humidifier includes a surface, and a flow divider disposed on the surface, where the flow divider is configured to receive a flow of water. The distribution tray also includes a plurality of channels, where each channel within the plurality of channels is fluidly coupled to the flow divider and is configured to receive water from the flow divider. Each channel of the plurality of channels defines a flow path, and each flow path has a varying slope along a length of each channel.
    Type: Application
    Filed: June 2, 2023
    Publication date: December 7, 2023
    Applicant: RESEARCH PRODUCTS CORPORATION
    Inventors: Michael Schatz, Nathan Hughes, Joshua Edwards McKune
  • 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
  • Patent number: 11836707
    Abstract: A device may receive an authorization request, associated with a transaction made by a user device as part of a checkout procedure of a website, that includes a virtual transaction card identifier of a virtual transaction card that is being used for the transaction, and a first merchant identifier for a merchant associated with the website. The device may perform a first authorization procedure to determine whether the first merchant identifier, included in the authorization request, satisfies a threshold level of similarity with a second merchant identifier associated with a request to generate the virtual transaction card that occurred prior to receiving the authorization request. The device may determine whether to forego a second authorization procedure based on a result of the first authorization procedure, and cause an authorization response, that includes an indication of whether the transaction is approved, to be provided to another device associated with the merchant.
    Type: Grant
    Filed: April 18, 2022
    Date of Patent: December 5, 2023
    Assignee: Capital One Services, LLC
    Inventors: Abdelkadar M'Hamed Benkreira, Joshua Edwards, Adam Vukich
  • 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