Patents by Inventor Michael Mossoba

Michael Mossoba 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: 10846968
    Abstract: Computerized methods and systems for electronic voting are disclosed. Electronic voter registration information from a voting jurisdiction can be received. The electronic voter registration information can be matched to verified identity information for customers of the financial institution. Information indicating that the one or more customers are registered to vote at a polling location associated with the financial institution can be stored. Based on the stored information, the customers can be enabled to submit votes for the elections using computing devices associated with the financial institution.
    Type: Grant
    Filed: December 30, 2019
    Date of Patent: November 24, 2020
    Assignee: Capital One Services, LLC
    Inventors: Joshua Edwards, Michael Mossoba, Abdelkader M'Hamed Benkreira
  • Patent number: 10846493
    Abstract: A card for storing both emergency information and payment information is disclosed. The card can be used by an emergency responder to retrieve emergency information for the user. The emergency information can enable the emergency responder to better render aid to the user. The card can have one or more processors, a sensor, and a memory in communication with the one or more processors and storing an application thereon. The application can cause the card to receive a request from a user device (e.g., from an emergency medical technician, or EMT) to access emergency information stored in the memory, transmit a security challenge to the user device, authenticate a received response to the security challenge from the user device, and transmit the emergency information to the user device.
    Type: Grant
    Filed: March 23, 2020
    Date of Patent: November 24, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Joshua Edwards, Abdelkader Benkreira, Michael Mossoba
  • Patent number: 10846427
    Abstract: Embodiments of the present disclosure include systems and methods for securely entering, receiving, and storing sensitive data. A server system may determine if a request received from a user computing device communicatively coupled to the server triggers a requirement to receive sensitive data from the user computing device, generate a data structure for the sensitive data, designate a plurality of contact methods, determine a communication protocol for each of the designated plurality of contact methods, transmit a request for data unit information to the corresponding designated contact methods via the determined communication protocol for each data unit of the data structure, receive from each of the designated contact methods, the data unit information corresponding to the respective single data unit, and generate sensitive data by aggregating the received data unit information received from each of the designated contact methods.
    Type: Grant
    Filed: November 4, 2019
    Date of Patent: November 24, 2020
    Assignee: Capital One Services, LLC
    Inventors: Joshua Edwards, Salik Shah, Michael Mossoba
  • Publication number: 20200364989
    Abstract: According to one aspect of the present disclosure, a method for improved reliability in a bank computer network can include: identifying an ATM proximate to a user device; determining whether the user device is communicably coupled to a server device over a secure link, the server device hosted by a financial institution and capable processing ATM transactions; establishing a secure link with the server device in response to determining the user device is not communicably coupled with the server device; prompting a user for permission to tether with the ATM in response to determining the user device is communicably coupled with the server device or determining the secure link has been established; receiving an indication of a response to the prompt for permission to tether with ATM; and establishing a P2P connection between the ATM and the user device.
    Type: Application
    Filed: February 20, 2020
    Publication date: November 19, 2020
    Applicant: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Michael Mossoba, Joshua Edwards
  • Publication number: 20200366491
    Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.
    Type: Application
    Filed: August 3, 2020
    Publication date: November 19, 2020
    Inventors: Kaitlin NEWMAN, Colin HART, Latika GULATI, Abdelkader BENKREIRA, Sarah Jane CUNNINGHAM, Sophie BERMUDEZ, Michael MOSSOBA, Wayne LUTZ
  • Patent number: 10839369
    Abstract: A first client device can be in communication with a server. The server can store in a database records associated with a first user account and a second user account. The first user can scan a code printed on an object. The first client device can read the code and transmit it to the server. The server can activate a default message when it receives the code. The first user can pass the object to a second user. The second user can scan the physical object at a second client device. The second client device can read the code and transmit it to the server. Once the server receives the code from the second client device, the server can transmit the default message from the first user account to the second user account according to a transmission plan. The second client device can display the transmitted message.
    Type: Grant
    Filed: July 22, 2019
    Date of Patent: November 17, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Michael Mossoba, Joshua Edwards, Abdelkader Benkreira
  • Patent number: 10838591
    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: Grant
    Filed: March 28, 2019
    Date of Patent: November 17, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Alexandra Colevas, Michael Mossoba, Joshua Edwards, Abdelkader Benkreira
  • Patent number: 10839453
    Abstract: Disclosed are systems and methods for identifying location-based information associated with a product on a web page. The method may include: detecting user navigation by the user of the web page; detecting the at least one product on the web page; identifying one or more merchants having the detected at least one product in stock; determining a user location of the user; determining the identified one or more merchants having the detected at least one product in stock and having a location within a predetermined distance of the user location; generating a list of merchants, the list including the determined one or more merchants having the detected at least one product in stock and having the location within the predetermined distance of the user location; and executing a browser extension to display, on the web page associated with the at least one product, the generated list of merchants.
    Type: Grant
    Filed: November 26, 2019
    Date of Patent: November 17, 2020
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader Benkreira, Joshua Edwards, Michael Mossoba
  • Publication number: 20200358781
    Abstract: A device may provide a verification indicator to a device associated with a website. The verification indicator may be associated with verifying access to the website. The device may detect that the verification indicator has been associated with code associated with the website based on processing the code. The device may provide a script to the device. The script may be included in the code. The script may be associated with monitoring operations of the website. The device may receive data related to the operations. The device may analyze the data using a model. The model may be associated with making a prediction related to at least one of: a value to be received via the website, or traffic associated with the website. The device may perform one or more actions related to the website based on a result of the analyzing.
    Type: Application
    Filed: February 28, 2020
    Publication date: November 12, 2020
    Inventors: Joshua EDWARDS, Abdelkadar M'Hamed BENKREIRA, Michael MOSSOBA
  • Patent number: 10832273
    Abstract: A computer-implemented method for incentivizing user behavior including identifying an action for a user to perform, providing the number of credits that can be earned by the user for performing the action, verifying that the user has carried out the action and awarding the credits to the user.
    Type: Grant
    Filed: April 18, 2019
    Date of Patent: November 10, 2020
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Michael Mossoba, Joshua Edwards
  • Patent number: 10824929
    Abstract: A credit card with an obscurable account identifier. The credit card further comprises a substrate defining a first surface with a chromogenic feature wherein the chromogenic feature is capable of changing from a first state and a second state based on an activating trigger. In the first state, the chromogenic feature appears with a first optical property that obscures the account identifier, and in the second state, the chromogenic feature appears with a second optical property that reveals the account identifier.
    Type: Grant
    Filed: August 12, 2019
    Date of Patent: November 3, 2020
    Assignee: Capital One Services, LLC
    Inventors: Michael Mossoba, Abdelkader Benkreira, Joshua Edwards
  • Patent number: 10825003
    Abstract: Embodiments disclosed herein generally related to a system and method for authenticating a transfer request. A computing system receives a transfer request from a client device. The computing system determines that the monetary amount specified in the transfer request exceeds a threshold. The computing system identifies an automated teller machine (ATM) based on at least location information associated with a user of the client device. The computing system prompts the user to authenticate the transfer request at the identified ATM by transferring a message to the client device to be displayed thereon. The computing system receives an authentication attempt of the user from the ATM. The computing system compares authentication information in the authentication attempt to personal identification information associated with the user. The computing system determines that the authentication information at least partially matches personal identification information associated with the user.
    Type: Grant
    Filed: November 26, 2018
    Date of Patent: November 3, 2020
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Joshua Edwards, Michael Mossoba
  • Patent number: 10825074
    Abstract: A computer-implemented method for providing presentable transaction data of a product to a user may include obtaining preliminary transaction data of one or more purchasers other than the user; generating itemized transaction data based on the preliminary transaction data; obtaining one or more translation codes from one or more transaction entities; generating standardized transaction data based on the itemized transaction data and the one or more translation codes; retrieving identification data from the standardized transaction data; generating anonymized transaction data based on the standardized transaction data by withholding the identification data; generating presentable transaction data based on the anonymized transaction data; and transmitting, to a device associated with the user, the presentable transaction data.
    Type: Grant
    Filed: February 6, 2020
    Date of Patent: November 3, 2020
    Assignee: Capital One Services, LLC
    Inventors: Joshua Edwards, Michael Mossoba, Abdelkader Benkreira
  • Publication number: 20200342428
    Abstract: In one aspect, the present disclosure relates to a computer-implemented method for virtual deposit of paper currency. In some embodiments, the method may include receiving an indication from a device of a virtual deposit of paper currency to an account; receiving an image of the paper currency from the device; determining whether a virtual-deposit irregularity has occurred; in response to determining whether the virtual-deposit irregularity has occurred, crediting the account with at least a portion of the value of the virtually deposited paper currency; and providing a notification of a time period for physical deposit of the paper currency.
    Type: Application
    Filed: April 26, 2019
    Publication date: October 29, 2020
    Inventors: Abdelkader M'Hamed Benkreira, Michael Mossoba, Joshua Edwards
  • Publication number: 20200342741
    Abstract: A computer vision card reader and/or point of sale device is described. The device is configured to sense when a user inserts a card into a card reader and to determine when a user departs or is about to depart from the device without retrieving the card. The device may issue an audible or visible alert to the user, reminding the user to retrieve the card. The device may additionally send a notification to a mobile device associated with the user that reminds the user that he has left a card at the point of sale. In some embodiments, message sent to the user contains a code and, upon entry of the code, the point of sale or card reader device returns the card to the user.
    Type: Application
    Filed: January 15, 2020
    Publication date: October 29, 2020
    Inventors: Abdelkader BENKREIRA, Joshua EDWARDS, Michael MOSSOBA
  • Publication number: 20200342443
    Abstract: Embodiments of systems and methods for generating virtual account-linked cards are described. A virtual account-linked card may be generated in response to a determination that a physical account-linked card has been forgotten at a card reader and ingested by the card reader. A virtual account-linked card may be restricted such that it can only be used to execute a transaction with authorized transaction partners identified in a database.
    Type: Application
    Filed: April 25, 2019
    Publication date: October 29, 2020
    Inventors: Joshua EDWARDS, Michael MOSSOBA, Abdelkader BENKREIRA
  • Patent number: 10817879
    Abstract: A device may obtain a notification that a transaction occurred, where the transaction is associated with a financial account of a user, and a merchant. The device may determine that the merchant is associated with providing confirmation messages for transactions, and may process, based on determining that the merchant is associated with providing confirmation messages, one or more messages in a messaging account associated with the user to determine whether the messaging account includes a confirmation message associated with the transaction. The device may determine that the messaging account does not include any confirmation message associated with the transaction, may determine a likelihood that the transaction was unauthorized based on the messaging account not including a confirmation message, and may perform an action associated with the financial account of the user based on the likelihood that the transaction was unauthorized.
    Type: Grant
    Filed: January 7, 2019
    Date of Patent: October 27, 2020
    Assignee: Capital One Services, LLC
    Inventors: Michael Mossoba, Joshua Edwards, Abdelkadar M'Hamed Benkreira
  • Publication number: 20200334705
    Abstract: A computer-implemented method for incentivizing user behavior including identifying an action for a user to perform, providing the number of credits that can be earned by the user for performing the action, verifying that the user has carried out the action and awarding the credits to the user.
    Type: Application
    Filed: April 18, 2019
    Publication date: October 22, 2020
    Applicant: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Michael Mossoba, Joshua Edwards
  • Publication number: 20200334660
    Abstract: Provided, in an aspect, is a method for performing a peer-to-peer transaction with a graphical construct on a first mobile device including a processor. The method includes receiving, by the processor, a user input for performing the peer-to-peer transaction; capturing, by the processor, one or more user intents of the received user input; determining, by the processor, an expressive element in accordance with the captured one or more user intents; generating, by the processor, the graphical construct from a customization of the expressive element; and performing, by the processor, the peer-to-peer transaction with a second mobile device in communication with the first mobile device by presenting the generated graphical construct. In some embodiments, capturing one or more user intents of the received user input is based on natural language processing (NLP).
    Type: Application
    Filed: April 18, 2019
    Publication date: October 22, 2020
    Applicant: Capital One Services, LLC
    Inventors: Michael Mossoba, Abdelkader M'Hamed Benkreira, Joshua Edwards
  • Patent number: 10810451
    Abstract: Provided, in an aspect, is a method for improving security in an automated teller machine (ATM) network, which includes prompting a user, via the ATM, to provide a biometric sample; receiving the sample from a biometric device of the ATM; determining that the sample is not blacklisted; and allowing the user to complete a transaction. Because the method includes storing anonymized event details, which include the biometric sample separate from user-identifying information, the method both improves privacy for law-abiding users and deters malicious use by others.
    Type: Grant
    Filed: October 9, 2019
    Date of Patent: October 20, 2020
    Assignee: Capital One Services, LLC
    Inventors: Joshua Edwards, Michael Mossoba, Abdelkader Benkreira