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: 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: 20200310598
    Abstract: Systems and methods for generating personalized navigation menus are disclosed. For example, the system may include one or more memory units storing instructions and one or more processors configured to execute the instructions to perform operations. The operations may include receiving account data associated with a plurality of accounts and receiving navigation menu data associated with the accounts. The operations may include training a model based on the account data and the navigation menu data. The operations may include receiving a request associated with a user and receiving user account data associated with the user. The operations may include generating, using the model, a navigation menu based on the request and the user account data. The operations may include providing the navigation menu.
    Type: Application
    Filed: March 28, 2019
    Publication date: October 1, 2020
    Applicant: CAPITAL ONE SERVICES, LLC
    Inventors: Alexandra COLEVAS, Michael Mossoba, Joshua Edwards, Abdelkader Benkreira
  • 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
  • Patent number: 10791537
    Abstract: A device receives, from a transaction device, transaction data associated with a transaction performed by a user, and receives first location data indicating a location of a mobile user device. The device receives, from a stationary user device, browser data associated with online activity of the user, and determines, based on the browser data, second location data indicating a location of the stationary user device. The device determines, based on the transaction data, third location data indicating a location of the transaction device, and assigns weights and time stamps to the first, second, and third location data. The device aggregates the first, second, and third location data, based on the weights and the time stamps, to generate aggregated location data. The device processes the aggregated location data, with a model, to predict a particular location of the user, and performs actions based on the particular location.
    Type: Grant
    Filed: September 12, 2019
    Date of Patent: September 29, 2020
    Assignee: Capital One Services, LLC
    Inventors: Joshua Edwards, Abdelkadar M'Hamed Benkreira, Adam Vukich
  • 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
  • Publication number: 20200302443
    Abstract: A device receives sensor data that provides an indication of a height of a user of a transaction device, receives camera data that includes one or more images of the user, and scale data that provides an indication of a weight of the user. The device identifies one or more features associated with the user based on the camera data and processes the sensor data, the scale data, and feature information describing the one or more features, with a machine learning model, to estimate a body mass index of the user. The device determines whether the user is verified for utilizing the transaction device to conduct a transaction based on the body mass index and one or more credentials associated with the user and performs one or more actions based on determining whether the user is verified for utilizing the transaction device to conduct the transaction.
    Type: Application
    Filed: November 20, 2019
    Publication date: September 24, 2020
    Inventors: Joshua EDWARDS, Abdelkadar M'Hamed BENKREIRA, Michael MOSSOBA
  • Publication number: 20200302759
    Abstract: The present disclosure relates to systems and methods for using haptic vibration for inter-device communication. In one implementation, a system for inter-device communication using haptic vibration may include at least one force gauge configured to measure displacements caused by an external device in contact with the at least one force gauge; at least one memory storing instructions; and at least one processor configured to execute the instructions to: receive an identifier associated with a user; retrieve a pattern associated with the received identifier; receive, from the at least one force gauge, one or more measurements over a period of time; assess a degree of difference between the received one or more measurements and the retrieved pattern; and, when the degree of difference is below a threshold, authenticate the user.
    Type: Application
    Filed: June 8, 2020
    Publication date: September 24, 2020
    Applicant: Capital One Services, LLC
    Inventors: Abdelkader BENKREIRA, Joshua EDWARDS, Michael MOSSOBA
  • Publication number: 20200302001
    Abstract: A computing system includes a server. The server is communicatively coupled to a data repository and is configured to store a data in the data repository. The server is further configured to configure, via the data stream handler system, the data stream object to transmit a request to an external system. The server is additionally configured to configure, via the data stream handler system, the data stream object to capture a response from the external system, wherein the response comprises a paginated data set, a data stream, or a combination thereof, wherein creating the data stream object, configuring the data stream object to transmit the request, configuring the data stream object to capture the response, or a combination thereof, comprises using visual controls in lieu of entering text for a computer program.
    Type: Application
    Filed: August 16, 2019
    Publication date: September 24, 2020
    Inventors: Joshua Timothy Nerius, Venkata Kiran Kumar Koya, Deepti Suryakant Bhogle, Pierce Edward Courtney, Nicholas Michael Stark, Harry Thomas Nelson
  • 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: 10783522
    Abstract: Embodiments disclosed herein generally related to a system and method for exempting a transaction from a transaction hold. A computing system determines that an account associated with a user has been compromised. The computing system places a transaction hold on the account that has been compromised. The computing system generates one or more safe zones based at least on historical transaction data associated with the user. The one or more safe zones exempt from the transaction hold. The computing system receives a verification request for a transaction associated with the account. The verification request includes at least a merchant identification code associated with the third party merchant. The computing system determines that the third party merchant is included in at least one safe zone of the one or more safe zones. Based on the determination, the computing system verifies the transaction with the server of the third party merchant.
    Type: Grant
    Filed: July 23, 2018
    Date of Patent: September 22, 2020
    Assignee: Capital One Services, LLC
    Inventors: Michael Mossoba, Abdelkader Benkreira, Joshua Edwards
  • Patent number: 10783878
    Abstract: A device monitors a communication between a user associated with a user device and a service representative associated with a service representative device, and causes a natural language processing model to perform a natural language processing analysis of a user input of the communication to identify a topic associated with the communication. The device determines a first score associated with the topic, and determines a second score associated with enabling the communication, where the first score and second score indicate a service performance score of an entity. The device causes a sentiment analysis model to perform a sentiment analysis of the communication to determine a sentiment score indicating a level of satisfaction the user has relative to the topic. The device updates a transaction protocol associated with the topic based on the service performance score, and/or updates a communication processing protocol associated with the communication based on the sentiment score.
    Type: Grant
    Filed: December 12, 2019
    Date of Patent: September 22, 2020
    Assignee: Capital One Services, LLC
    Inventors: Abdelkadar M'Hamed Benkreira, Joshua Edwards, Michael Mossoba
  • Publication number: 20200294054
    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: Application
    Filed: May 29, 2020
    Publication date: September 17, 2020
    Inventors: Colin HART, Joshua EDWARDS, Francisco PEREZLEON, Molly JOHNSON, Kaitlin NEWMAN, Angelina WU, Jason JI
  • Publication number: 20200294483
    Abstract: A device causes a communication session to be established between the device and a user device to allow the device and the user device to communicate speech, and receives user speech from the user device. The device processes the user speech using a natural language processing technique to determine a plurality of characteristics of the user speech, and updates a speech generation setting of a plurality of speech generation settings based on the plurality of characteristics of the user speech. The device generates, after updating the speech generation setting, device speech using a text-to-speech technique based on the speech generation setting, and sends the device speech to the user device.
    Type: Application
    Filed: May 29, 2020
    Publication date: September 17, 2020
    Inventors: Joshua EDWARDS, Michael MOSSOBA, Abdelkadar M'Hamed BENKREIRA, Alexandra COLEVAS
  • Publication number: 20200290710
    Abstract: A watercraft light adapted to fit in a rub rail is provided. The watercraft light longitudinally extends in a portion of the rub rail and provides light to the exterior of the watercraft. A watercraft light system and method of installing the watercraft light are also presently disclosed.
    Type: Application
    Filed: March 16, 2020
    Publication date: September 17, 2020
    Inventors: Stephen Edwards Edwards, Joshua Honaker, Stephen Warden, Eric Rouch, David Mikels, Gary O'Nan
  • 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: 20200286204
    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 caused by a lens used to capture the input video frame. 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 the outputted.
    Type: Application
    Filed: May 27, 2020
    Publication date: September 10, 2020
    Inventors: David A. Newman, Joshua Edward Bodinet, Otto Kenneth Sievert, Timothy MacMillan
  • Publication number: 20200279305
    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: Application
    Filed: March 25, 2020
    Publication date: September 3, 2020
    Inventors: Michael Mossoba, Salik Shah, Joshua Edwards
  • Publication number: 20200280555
    Abstract: Embodiments disclosed herein generally related to a system and method for assessing a fraud risk. In one embodiment, a method for assessing a fraud risk is disclosed herein. A web browser extension executing on the computing device identifies an account associated with the computing device. The web browser extension detects that the computing device navigated to a web page hosted by a third party server. The web browser extension determines that the third party server prompted the computing device to opt into two-factor authentication functionality. The web browser extension determines that the computing device did not opt into the two-factor authentication functionality. The web browser extension prompts, via an application programming interface (API), an organization computing system to update a fraud metric associated with the account.
    Type: Application
    Filed: May 19, 2020
    Publication date: September 3, 2020
    Applicant: Capital One Services, LLC
    Inventors: Michael Mossoba, Joshua Edwards, Jason Ji, Ljubica Chatman, Carlos Eduardo Rodriguez