Patents by Inventor Ljubica Chatman

Ljubica Chatman 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: 20210110373
    Abstract: Systems and method for linking a social media handle to a financial account and providing a payment handle are disclosed. The payment handle is a unique identifier that allows a social media user to enter the payment handle in a checkout page within the social media ecosystem to authorize payment for goods or services. An account provider system can create a first payment handle to associate with a first social media system and a second payment handle to associate with a second social media system. The payment handle can be generated according to a list of preferred goods, merchant lists, or maximum transaction amounts. Rather than entering a credit card number, expiration date, address, and other data into a conventional checkout page, the system can enable a user to checkout simply by entering the payment handle and hitting “submit” (or similar).
    Type: Application
    Filed: August 21, 2020
    Publication date: April 15, 2021
    Inventors: Nimma Bhusri, Ljubica Chatman, Lukiih Cuan
  • Publication number: 20210035128
    Abstract: Systems and methods relate to predicting improved operating hours for a merchant. For example, a method may include determining operating hours of a target merchant; identifying one or more merchants other than the target merchant having one or more common characteristics with the target merchant; obtaining transactional data indicating customer transactions at the one or more merchants other than the target merchant; computing an estimate of potential customer transactions at the target merchant during a the period of time not within the operating hours by processing input data including the obtained transactional data using a trained machine learning model to produce the estimate, the estimate being a number or value of consumer transactions missed as a result of the target merchant being closed during the period of time; and transmitting, to the target merchant, information indicating the computed estimate.
    Type: Application
    Filed: July 29, 2019
    Publication date: February 4, 2021
    Applicant: Capital One Services, LLC
    Inventors: Abdelkader BENKREIRA, Michael MOSSOBA, Ljubica CHATMAN, Tyler MAIMAN, Joshua EDWARDS
  • Patent number: 10885143
    Abstract: In some implementations, a device may detect loading of a first web page associated with a domain, and may create an inline frame element that references a second web page associated with the domain. The second web page may require an authenticated user session to access particular content of the second web page. The device may insert the inline frame element into code for the first web page, and may transmit a request for the second web page based on inserting the inline frame element into the code for the first web page. The device may receive a response to the request for the second web page, and may determine whether there is an authenticated user session for the domain based on the response. The device may selectively perform an action based on determining whether there is an authenticated user session for the domain.
    Type: Grant
    Filed: October 18, 2019
    Date of Patent: January 5, 2021
    Assignee: Capital One Services, LLC
    Inventors: Vu Nguyen, Joshua Edwards, Adam Vukich, Mykhaylo Bulgakov, Abdelkadar M'Hamed Benkreira, David Gabriele, Andrea Montealegre, Ljubica Chatman, Jonatan Yucra Rodriguez
  • Publication number: 20200389452
    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: May 11, 2020
    Publication date: December 10, 2020
    Inventors: Joshua Edwards, Jason Ji, Ljubica Chatman, Michael Mossoba, Carlos Rodriguez
  • 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
  • Publication number: 20200272680
    Abstract: In some implementations, a device may detect loading of a first web page associated with a domain, and may create an inline frame element that references a second web page associated with the domain. The second web page may require an authenticated user session to access particular content of the second web page. The device may insert the inline frame element into code for the first web page, and may transmit a request for the second web page based on inserting the inline frame element into the code for the first web page. The device may receive a response to the request for the second web page, and may determine whether there is an authenticated user session for the domain based on the response. The device may selectively perform an action based on determining whether there is an authenticated user session for the domain.
    Type: Application
    Filed: October 18, 2019
    Publication date: August 27, 2020
    Inventors: Vu NGUYEN, Joshua EDWARDS, Adam VUKICH, Mykhaylo BULGAKOV, Abdelkadar M'Hamed BENKREIRA, David GABRIELE, Andrea MONTEALEGRE, Ljubica CHATMAN, Jonatan YUCRA RODRIGUEZ
  • Publication number: 20200272313
    Abstract: A device identifies one or more user interface elements, in a user interface, associated with a fixed positioning characteristic and not positioned within another user interface element with the fixed positioning characteristic. The device repositions the one or more user interface elements in the user interface to vacate space for a new user interface element based on a size of the new user interface element and forgo repositioning one or more other user interface elements in the user interface that do not have the fixed positioning characteristic or are positioned within another user interface element with the fixed positioning characteristic. The device inserts the new user interface element into the user interface in a portion of the user interface vacated in connection with repositioning the one or more user interface elements, and provides the user interface for display based on inserting the new user interface element into the user interface.
    Type: Application
    Filed: November 22, 2019
    Publication date: August 27, 2020
    Inventors: Joshua EDWARDS, Vu NGUYEN, Adam VUKICH, Jonatan YUCRA RODRIGUEZ, Mykhaylo BULGAKOV, Abdelkadar M'Hamed BENKREIRA, David GABRIELE, Ljubica CHATMAN, Andrea MONTEALEGRE
  • Publication number: 20200272728
    Abstract: A device determines that a data breach of an application has been reported and determines that an individual has an account with the application based on identifying an association between an application identifier and a username the individual uses to access the application. The device receives, from a user device associated with the individual, password information used to access the application. The device uses the password information and usernames for a group of applications with which the individual has accounts to perform a login procedure for the group of applications to determine that login information for one or more of the applications includes the password information used to access the application affected by the data breach. The device provides, to the user device or another device, a recommendation to change the password information used to access the application and the one or more applications.
    Type: Application
    Filed: April 3, 2020
    Publication date: August 27, 2020
    Inventors: Joshua Edwards, Michael Mossoba, Ljubica Chatman, Jason Ji, Carlos Rodriguez
  • Publication number: 20200265525
    Abstract: A device receives, from a user device, plan information that identifies a plan for an event and includes information identifying an account associated with the plan, plan items of the plan, and priorities and preferences associated with the plan items, where the user device is associated with a user of the account and the plan. The device receives transaction information identifying transactions associated with the account, and processes the plan information and the transaction information, with a first model, to identify transactions related to the plan. The device processes information associated with the particular plan item, the plan information, and the transaction information, with a second model, to determine recommendations for the plan, where the information associated with the particular plan item includes information identifying a priority and a preference associated with the particular plan item. The device provides information indicating the recommendations to the user device.
    Type: Application
    Filed: July 26, 2019
    Publication date: August 20, 2020
    Inventors: Ljubica CHATMAN, Michael MOSSOBA, Abdelkadar M'Hamed BENKREIRA, Joshua EDWARDS, Tyler MAIMAN
  • Patent number: 10708260
    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: Grant
    Filed: December 18, 2018
    Date of Patent: July 7, 2020
    Assignee: Capital One Services, LLC
    Inventors: Michael Mossoba, Joshua Edwards, Jason Ji, Ljubica Chatman, Carlos Eduardo Rodriguez
  • Publication number: 20200195626
    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: December 18, 2018
    Publication date: June 18, 2020
    Applicant: Capital One Services, LLC
    Inventors: Michael Mossoba, Joshua Edwards, Jason Ji, Ljubica Chatman, Carlos Eduardo Rodriguez
  • Patent number: 10652238
    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: Grant
    Filed: June 10, 2019
    Date of Patent: May 12, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Joshua Edwards, Jason Ji, Ljubica Chatman, Michael Mossoba, Carlos Rodriguez
  • Patent number: 10614208
    Abstract: A device determines that a data breach of an application has been reported and determines that an individual has an account with the application based on identifying an association between an application identifier and a username the individual uses to access the application. The device receives, from a user device associated with the individual, password information used to access the application. The device uses the password information and usernames for a group of applications with which the individual has accounts to perform a login procedure for the group of applications to determine that login information for one or more of the applications includes the password information used to access the application affected by the data breach. The device provides, to the user device or another device, a recommendation to change the password information used to access the application and the one or more applications.
    Type: Grant
    Filed: February 21, 2019
    Date of Patent: April 7, 2020
    Assignee: Capital One Services, LLC
    Inventors: Joshua Edwards, Michael Mossoba, Ljubica Chatman, Jason Ji, Carlos Rodriguez
  • Patent number: 10489041
    Abstract: A device identifies one or more user interface elements, in a user interface, associated with a fixed positioning characteristic and not positioned within another user interface element with the fixed positioning characteristic. The device repositions the one or more user interface elements in the user interface to vacate space for a new user interface element based on a size of the new user interface element and forgo repositioning one or more other user interface elements in the user interface that do not have the fixed positioning characteristic or are positioned within another user interface element with the fixed positioning characteristic. The device inserts the new user interface element into the user interface in a portion of the user interface vacated in connection with repositioning the one or more user interface elements, and provides the user interface for display based on inserting the new user interface element into the user interface.
    Type: Grant
    Filed: February 21, 2019
    Date of Patent: November 26, 2019
    Assignee: Capital One Services, LLC
    Inventors: Joshua Edwards, Vu Nguyen, Adam Vukich, Jonatan Yucra Rodriguez, Mykhaylo Bulgakov, Abdelkadar M'Hamed Benkreira, David Gabriele, Ljubica Chatman, Andrea Montealegre
  • Patent number: 10452736
    Abstract: In some implementations, a device may detect loading of a first web page associated with a domain, and may create an inline frame element that references a second web page associated with the domain. The second web page may require an authenticated user session to access particular content of the second web page. The device may insert the inline frame element into code for the first web page, and may transmit a request for the second web page based on inserting the inline frame element into the code for the first web page. The device may receive a response to the request for the second web page, and may determine whether there is an authenticated user session for the domain based on the response. The device may selectively perform an action based on determining whether there is an authenticated user session for the domain.
    Type: Grant
    Filed: February 21, 2019
    Date of Patent: October 22, 2019
    Assignee: Capital One Services, LLC
    Inventors: Vu Nguyen, Joshua Edwards, Adam Vukich, Mykhaylo Bulgakov, Abdelkadar M'Hamed Benkreira, David Gabriele, Andrea Montealegre, Ljubica Chatman, Jonatan Yucra Rodriguez
  • Patent number: 10410294
    Abstract: A device receives, from a user device, plan information that identifies a plan for an event and includes information identifying an account associated with the plan, plan items of the plan, and priorities and preferences associated with the plan items, where the user device is associated with a user of the account and the plan. The device receives transaction information identifying transactions associated with the account, and processes the plan information and the transaction information, with a first model, to identify transactions related to the plan. The device processes information associated with the particular plan item, the plan information, and the transaction information, with a second model, to determine recommendations for the plan, where the information associated with the particular plan item includes information identifying a priority and a preference associated with the particular plan item. The device provides information indicating the recommendations to the user device.
    Type: Grant
    Filed: February 20, 2019
    Date of Patent: September 10, 2019
    Assignee: Capital One Services, LLC
    Inventors: Ljubica Chatman, Michael Mossoba, Abdelkadar M'Hamed Benkreira, Joshua Edwards, Tyler Maiman