Patents by Inventor Joshua M. WILBUR

Joshua M. WILBUR 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: 20240289805
    Abstract: Systems and methods are provided for managing foreign transactions. An exemplary method may include providing, to a device of the user, instructions to display an application interface. The application interface may receive user requests to specify a foreign geographical area and to enable and disable the foreign transaction service in the foreign geographical area. The method may also include receiving, through the application interface, a request to enable the foreign transaction service. The method may include associating a transaction rule with the payment account. The transaction rule may define a condition upon which approval of a foreign transaction is permitted. The method may also include receiving a foreign transaction authorization request associated with the payment account. The method may also include approving the foreign transaction authorization request when the condition is met and declining the foreign transaction authorization request when the condition is not met.
    Type: Application
    Filed: December 5, 2023
    Publication date: August 29, 2024
    Applicant: Capital One Services, LLC
    Inventors: Abhinav Bhagwati AGRAWAL, Riken SHAH, Joshua M. WILBUR, Samuel FAHLER, Colleen KERR, Jeffrey SAMITT
  • Patent number: 11887127
    Abstract: Systems and methods are provided for managing foreign transactions. An exemplary method may include providing, to a device of the user, instructions to display an application interface. The application interface may receive user requests to specify a foreign geographical area and to enable and disable the foreign transaction service in the foreign geographical area. The method may also include receiving, through the application interface, a request to enable the foreign transaction service. The method may include associating a transaction rule with the payment account. The transaction rule may define a condition upon which approval of a foreign transaction is permitted. The method may also include receiving a foreign transaction authorization request associated with the payment account. The method may also include approving the foreign transaction authorization request when the condition is met and declining the foreign transaction authorization request when the condition is not met.
    Type: Grant
    Filed: March 24, 2022
    Date of Patent: January 30, 2024
    Assignee: Capital One Services, LLC
    Inventors: Abhinav Bhagwati Agrawal, Riken Shah, Joshua M. Wilbur, Samuel Fahler, Colleen Kerr, Jeffrey Samitt
  • Publication number: 20230206245
    Abstract: Systems and methods are provided for blocking charges from a merchant to a payment account of a user. An exemplary system may include one or more memory devices storing instructions and one or more processors configured to execute the instructions to perform various operations. The operations may include receiving, from the user, a dispute request to dispute a charge to the payment account applied by the merchant. In response to the dispute request, the operations may include determining whether to block subsequent charges applied by the merchant to the payment account, based on a history of charging activities of the merchant. Responsive to a determination to block subsequent charges, the operations may include adding the merchant to a block-charge list associated with the payment account.
    Type: Application
    Filed: March 6, 2023
    Publication date: June 29, 2023
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey SAMITT, Zeel Maharshi JHA, Colleen KERR, Henry Feer JOYCE, Joshua M. WILBUR, John William SCHMIDT, Krystle VOSS, Riken SHAH
  • Patent number: 11631084
    Abstract: Systems and methods are provided for blocking charges from a merchant to a payment account of a user. An exemplary system may include one or more memory devices storing instructions and one or more processors configured to execute the instructions to perform various operations. The operations may include receiving, from the user, a dispute request to dispute a charge to the payment account applied by the merchant. In response to the dispute request, the operations may include determining whether to block subsequent charges applied by the merchant to the payment account, based on a history of charging activities of the merchant. Responsive to a determination to block subsequent charges, the operations may include adding the merchant to a block-charge list associated with the payment account.
    Type: Grant
    Filed: October 24, 2019
    Date of Patent: April 18, 2023
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Samitt, Zeel Maharshi Jha, Colleen Kerr, Henry Feer Joyce, Joshua M. Wilbur, John William Schmidt, Krystle Voss, Riken Shah
  • Publication number: 20220215391
    Abstract: Systems and methods are provided for managing foreign transactions. An exemplary method may include providing, to a device of the user, instructions to display an application interface. The application interface may receive user requests to specify a foreign geographical area and to enable and disable the foreign transaction service in the foreign geographical area. The method may also include receiving, through the application interface, a request to enable the foreign transaction service. The method may include associating a transaction rule with the payment account. The transaction rule may define a condition upon which approval of a foreign transaction is permitted. The method may also include receiving a foreign transaction authorization request associated with the payment account. The method may also include approving the foreign transaction authorization request when the condition is met and declining the foreign transaction authorization request when the condition is not met.
    Type: Application
    Filed: March 24, 2022
    Publication date: July 7, 2022
    Applicant: Capital One Services, LLC
    Inventors: Abhinav Bhagwati Agrawal, Riken Shah, Joshua M. Wilbur, Samuel Fahler, Colleen Kerr, Jeffrey Samitt
  • Publication number: 20200058027
    Abstract: Systems and methods are provided for blocking charges from a merchant to a payment account of a user. An exemplary system may include one or more memory devices storing instructions and one or more processors configured to execute the instructions to perform various operations. The operations may include receiving, from the user, a dispute request to dispute a charge to the payment account applied by the merchant. In response to the dispute request, the operations may include determining whether to block subsequent charges applied by the merchant to the payment account, based on a history of charging activities of the merchant. Responsive to a determination to block subsequent charges, the operations may include adding the merchant to a block-charge list associated with the payment account.
    Type: Application
    Filed: October 24, 2019
    Publication date: February 20, 2020
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey SAMITT, Zeel Maharshi JHA, Colleen KERR, Henry Feer JOYCE, Joshua M. WILBUR, John William SCHMIDT, Krystle VOSS, Riken SHAH
  • Patent number: 10482467
    Abstract: Systems and methods are provided for blocking charges from a merchant to a payment account of a user. An exemplary system may include one or more memory devices storing instructions and one or more processors configured to execute the instructions to perform various operations. The operations may include receiving, from the user, a dispute request to dispute a charge to the payment account applied by the merchant. In response to the dispute request, the operations may include determining whether to block subsequent charges applied by the merchant to the payment account, based on a history of charging activities of the merchant. Responsive to a determination to block subsequent charges, the operations may include adding the merchant to a block-charge list associated with the payment account.
    Type: Grant
    Filed: June 14, 2018
    Date of Patent: November 19, 2019
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Samitt, Zeel Maharshi Jha, Colleen Kerr, Henry Feer Joyce, Joshua M. Wilbur, John William Schmidt, Krystle Voss, Riken Shah
  • Publication number: 20190347665
    Abstract: Systems and methods are provided for managing foreign transactions. An exemplary method may include providing, to a device of the user, instructions to display an application interface. The application interface may receive user requests to specify a foreign geographical area and to enable and disable the foreign transaction service in the foreign geographical area. The method may also include receiving, through the application interface, a request to enable the foreign transaction service. The method may include associating a transaction rule with the payment account. The transaction rule may define a condition upon which approval of a foreign transaction is permitted. The method may also include receiving a foreign transaction authorization request associated with the payment account. The method may also include approving the foreign transaction authorization request when the condition is met and declining the foreign transaction authorization request when the condition is not met.
    Type: Application
    Filed: May 9, 2018
    Publication date: November 14, 2019
    Applicant: Capital One Services, LLC
    Inventors: Abhinav Bhagwati AGRAWAL, Riken SHAH, Joshua M. WILBUR, Samuel FAHLER, Colleen KERR, Jeffrey SAMITT