Patents by Inventor Leonard ROSEMAN

Leonard ROSEMAN 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: 11625722
    Abstract: Methods and systems are disclosed for providing fraudulent transaction processes. In one embodiment, a method is disclosed for performing fraudulent transaction processes that may include receiving an indication that a payment transaction has been identified as potentially fraudulent, the payment transaction involving a payment account associated with a user. The method may also include receiving a candidate voice print and comparing the candidate voice print to a user voice print that is associated with the payment account. The method may further include determining, based on the comparison, whether the candidate voice print matches the user voice print, and providing an indication whether the candidate voice print matches the user voice print, the indication configured for use to determine whether to approve or deny the payment transaction.
    Type: Grant
    Filed: May 3, 2021
    Date of Patent: April 11, 2023
    Assignee: Capital One Services, LLC
    Inventors: Nikhil Murgai, Leonard Roseman
  • Patent number: 11334941
    Abstract: Systems and methods are disclosed for determining one or more credit lines based on statistical approximations of credit line optimization models. By approximating the results of the optimization model, the disclosed embodiments may provide real-time account level credit line determinations based on fewer criteria than used in the optimization models. Other aspects of the disclosed embodiments are described herein.
    Type: Grant
    Filed: July 27, 2020
    Date of Patent: May 17, 2022
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Antonello Loddo, Lu Su, Leonard Roseman, Ram Narayan
  • Publication number: 20210256532
    Abstract: Methods and systems are disclosed for providing fraudulent transaction processes. In one embodiment, a method is disclosed for performing fraudulent transaction processes that may include receiving an indication that a payment transaction has been identified as potentially fraudulent, the payment transaction involving a payment account associated with a user. The method may also include receiving a candidate voice print and comparing the candidate voice print to a user voice print that is associated with the payment account. The method may further include determining, based on the comparison, whether the candidate voice print matches the user voice print, and providing an indication whether the candidate voice print matches the user voice print, the indication configured for use to determine whether to approve or deny the payment transaction.
    Type: Application
    Filed: May 3, 2021
    Publication date: August 19, 2021
    Applicant: Capital One Services, LLC
    Inventors: Nikhil Murgai, Leonard Roseman
  • Patent number: 11004077
    Abstract: Methods and systems are disclosed for providing fraudulent transaction processes. In one embodiment, a method is disclosed for performing fraudulent transaction processes that may include receiving an indication that a payment transaction has been identified as potentially fraudulent, the payment transaction involving a payment account associated with a user. The method may also include receiving a candidate voice print and comparing the candidate voice print to a user voice print that is associated with the payment account. The method may further include determining, based on the comparison, whether the candidate voice print matches the user voice print, and providing an indication whether the candidate voice print matches the user voice print, the indication configured for use to determine whether to approve or deny the payment transaction.
    Type: Grant
    Filed: May 24, 2019
    Date of Patent: May 11, 2021
    Assignee: Capital One Services, LLC
    Inventors: Nikhil Murgai, Leonard Roseman
  • Publication number: 20200357063
    Abstract: Systems and methods are disclosed for determining one or more credit lines based on statistical approximations of credit line optimization models. By approximating the results of the optimization model, the disclosed embodiments may provide real-time account level credit line determinations based on fewer criteria than used in the optimization models. Other aspects of the disclosed embodiments are described herein.
    Type: Application
    Filed: July 27, 2020
    Publication date: November 12, 2020
    Applicant: Capital One Services, LLC
    Inventors: Antonello Loddo, Lu Su, Leonard Roseman, Ram Narayan
  • Patent number: 10762560
    Abstract: Systems and methods are disclosed for determining one or more credit lines based on statistical approximations of credit line optimization models. By approximating the results of the optimization model, the disclosed embodiments may provide real-time account level credit line determinations based on fewer criteria than used in the optimization models. Other aspects of the disclosed embodiments are described herein.
    Type: Grant
    Filed: February 23, 2018
    Date of Patent: September 1, 2020
    Assignee: Capital One Services, LLC
    Inventors: Antonello Loddo, Lu Su, Leonard Roseman, Ram Narayan
  • Patent number: 10643276
    Abstract: Systems and methods are disclosed for determining one or more credit lines based on statistical approximations of credit line optimization models. By approximating the results of the optimization model, the disclosed embodiments may provide real-time account level credit line determinations based on fewer criteria than used in the optimization models. Other aspects of the disclosed embodiments are described herein.
    Type: Grant
    Filed: March 10, 2014
    Date of Patent: May 5, 2020
    Assignee: Capital One Services, LLC
    Inventors: Antonello Loddo, Lu Su, Leonard Roseman, Ram Narayan
  • Publication number: 20190279220
    Abstract: Methods and systems are disclosed for providing fraudulent transaction processes. In one embodiment, a method is disclosed for performing fraudulent transaction processes that may include receiving an indication that a payment transaction has been identified as potentially fraudulent, the payment transaction involving a payment account associated with a user. The method may also include receiving a candidate voice print and comparing the candidate voice print to a user voice print that is associated with the payment account. The method may further include determining, based on the comparison, whether the candidate voice print matches the user voice print, and providing an indication whether the candidate voice print matches the user voice print, the indication configured for use to determine whether to approve or deny the payment transaction.
    Type: Application
    Filed: May 24, 2019
    Publication date: September 12, 2019
    Applicant: Capital One Services, LLC
    Inventors: Nikhil MURGAI, Leonard ROSEMAN
  • Patent number: 10346842
    Abstract: Methods and systems are disclosed for providing fraudulent transaction processes. In one embodiment, a method is disclosed for performing fraudulent transaction processes that may include receiving an indication that a payment transaction has been identified as potentially fraudulent, the payment transaction involving a payment account associated with a user. The method may also include receiving a candidate voice print and comparing the candidate voice print to a user voice print that is associated with the payment account. The method may further include determining, based on the comparison, whether the candidate voice print matches the user voice print, and providing an indication whether the candidate voice print matches the user voice print, the indication configured for use to determine whether to approve or deny the payment transaction.
    Type: Grant
    Filed: December 21, 2017
    Date of Patent: July 9, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Nikhil Murgai, Leonard Roseman
  • Publication number: 20180114227
    Abstract: Methods and systems are disclosed for providing fraudulent transaction processes. In one embodiment, a method is disclosed for performing fraudulent transaction processes that may include receiving an indication that a payment transaction has been identified as potentially fraudulent, the payment transaction involving a payment account associated with a user. The method may also include receiving a candidate voice print and comparing the candidate voice print to a user voice print that is associated with the payment account. The method may further include determining, based on the comparison, whether the candidate voice print matches the user voice print, and providing an indication whether the candidate voice print matches the user voice print, the indication configured for use to determine whether to approve or deny the payment transaction.
    Type: Application
    Filed: December 21, 2017
    Publication date: April 26, 2018
    Applicant: Capital One Financial Corporation
    Inventors: Nikhil MURGAI, Leonard ROSEMAN