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).
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Publication number: 20240289805Abstract: 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: ApplicationFiled: December 5, 2023Publication date: August 29, 2024Applicant: Capital One Services, LLCInventors: Abhinav Bhagwati AGRAWAL, Riken SHAH, Joshua M. WILBUR, Samuel FAHLER, Colleen KERR, Jeffrey SAMITT
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Patent number: 11887127Abstract: 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: GrantFiled: March 24, 2022Date of Patent: January 30, 2024Assignee: Capital One Services, LLCInventors: Abhinav Bhagwati Agrawal, Riken Shah, Joshua M. Wilbur, Samuel Fahler, Colleen Kerr, Jeffrey Samitt
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Publication number: 20230206245Abstract: 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: ApplicationFiled: March 6, 2023Publication date: June 29, 2023Applicant: Capital One Services, LLCInventors: Jeffrey SAMITT, Zeel Maharshi JHA, Colleen KERR, Henry Feer JOYCE, Joshua M. WILBUR, John William SCHMIDT, Krystle VOSS, Riken SHAH
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Patent number: 11631084Abstract: 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: GrantFiled: October 24, 2019Date of Patent: April 18, 2023Assignee: Capital One Services, LLCInventors: Jeffrey Samitt, Zeel Maharshi Jha, Colleen Kerr, Henry Feer Joyce, Joshua M. Wilbur, John William Schmidt, Krystle Voss, Riken Shah
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Publication number: 20220215391Abstract: 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: ApplicationFiled: March 24, 2022Publication date: July 7, 2022Applicant: Capital One Services, LLCInventors: Abhinav Bhagwati Agrawal, Riken Shah, Joshua M. Wilbur, Samuel Fahler, Colleen Kerr, Jeffrey Samitt
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Publication number: 20200058027Abstract: 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: ApplicationFiled: October 24, 2019Publication date: February 20, 2020Applicant: Capital One Services, LLCInventors: Jeffrey SAMITT, Zeel Maharshi JHA, Colleen KERR, Henry Feer JOYCE, Joshua M. WILBUR, John William SCHMIDT, Krystle VOSS, Riken SHAH
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Patent number: 10482467Abstract: 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: GrantFiled: June 14, 2018Date of Patent: November 19, 2019Assignee: Capital One Services, LLCInventors: Jeffrey Samitt, Zeel Maharshi Jha, Colleen Kerr, Henry Feer Joyce, Joshua M. Wilbur, John William Schmidt, Krystle Voss, Riken Shah
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Publication number: 20190347665Abstract: 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: ApplicationFiled: May 9, 2018Publication date: November 14, 2019Applicant: Capital One Services, LLCInventors: Abhinav Bhagwati AGRAWAL, Riken SHAH, Joshua M. WILBUR, Samuel FAHLER, Colleen KERR, Jeffrey SAMITT