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).

  • 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: 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
  • 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
  • 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
  • Publication number: 20200320616
    Abstract: Systems and methods for monitoring accounts are disclosed. For example, a 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 and account-engagement data associated with an account. The account engagement data may include data related to actions a user performs on a user device, the actions being associated with the account. The operations may include training a user event-model based on a relationship between the account data and account-engagement data. The operations may include receiving additional account data associated with the account and identifying, using the user event-model, a triggering event instance based on the additional account data. The operations may include transmitting a notification based on the triggering event instance.
    Type: Application
    Filed: April 4, 2019
    Publication date: October 8, 2020
    Applicant: CAPITAL ONE SERVICES, LLC
    Inventors: Joshua EDWARDS, Michael MOSSOBA, Abdelkader BENKREIRA
  • Patent number: 10796380
    Abstract: An income analysis platform may receive information associated with employment-related activity of a user, wherein the employment-related activity is associated with an employment status of the user. The income analysis platform may analyze, using an employment analysis model, the information to determine the employment status of the user. The income analysis platform may determine, based on the information and using the employment analysis model, that there is a change in the employment status of the user. The income analysis platform may identify, based on the determined change in the employment status of the user, a service associated with a transaction account of the user. The income analysis platform may determine, based on the change in the employment status, that one or more terms of the service are to be adjusted. The income analysis platform may perform an action associated with adjusting the one or more terms of the service.
    Type: Grant
    Filed: January 30, 2020
    Date of Patent: October 6, 2020
    Assignee: Capital One Services, LLC
    Inventors: Michael Mossoba, Abdelkader M'Hamed Benkreira, Joshua Edwards
  • Patent number: 10798089
    Abstract: Embodiments of the present disclosure relate to systems and methods for capturing information. In addition, embodiments of the present disclosure relate to solutions for capturing information using a web browser extension. Embodiments of the present disclosure further relate to securely transmitting captured information to a server for association with an application or form being completed by an individual.
    Type: Grant
    Filed: June 11, 2019
    Date of Patent: October 6, 2020
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Michael Mossoba, Joshua Edwards
  • Publication number: 20200310598
    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: Application
    Filed: March 28, 2019
    Publication date: October 1, 2020
    Applicant: CAPITAL ONE SERVICES, LLC
    Inventors: Alexandra COLEVAS, Michael Mossoba, Joshua Edwards, Abdelkader Benkreira
  • Publication number: 20200311242
    Abstract: A system for storing an object includes a card reader configured to receive a card from a user and to determine an identity of the user based on information on the card. The system also includes a secure storage area configured to store a plurality of physical boxes. The plurality of physical boxes includes a first physical box that is assigned to the user. The first physical box is configured to be dispensed from the secure storage area to the user outside of the secure storage area in response to the user requesting to physically receive the first physical box. Dispensing the first physical box includes moving the first physical box along a predetermined path in the secure storage area and presenting the first physical box for removal from the secure storage area.
    Type: Application
    Filed: June 17, 2020
    Publication date: October 1, 2020
    Inventors: Abdelkader M'Hamed Benkreira, Joshua Edwards, Michael Mossoba
  • Patent number: 10789349
    Abstract: A system for storing an object includes a card reader configured to receive a card from a user and to determine an identity of the user based on information on the card. The system also includes a secure storage area configured to store a plurality of physical boxes. The plurality of physical boxes includes a first physical box that is assigned to the user. The first physical box is configured to be dispensed from the secure storage area to the user outside of the secure storage area in response to the user requesting to physically receive the first physical box. Dispensing the first physical box includes moving the first physical box along a predetermined path in the secure storage area and presenting the first physical box for removal from the secure storage area.
    Type: Grant
    Filed: May 23, 2019
    Date of Patent: September 29, 2020
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Joshua Edwards, Michael Mossoba
  • Patent number: 10789639
    Abstract: The disclosed embodiments provide systems, methods, and techniques for managing transaction cards. User registration processes, order processes, and failure detection processes for a secure universal shopping cart are provided. Systems and methods may acquire identifiers. Systems and methods may also identify items associated with the identifiers. In addition, systems and methods may acquire a list of merchants that offer each item. Systems and methods may further determine, for each identifier, merchants based on user preferences. Even further, systems and methods may generate a payment token for each item. Systems and methods may then transmit the payment token for each item to its respective merchant.
    Type: Grant
    Filed: August 7, 2018
    Date of Patent: September 29, 2020
    Assignee: Capital One Services, LLC
    Inventors: Joshua S. Edwards, Michael Mossoba
  • Publication number: 20200302443
    Abstract: A device receives sensor data that provides an indication of a height of a user of a transaction device, receives camera data that includes one or more images of the user, and scale data that provides an indication of a weight of the user. The device identifies one or more features associated with the user based on the camera data and processes the sensor data, the scale data, and feature information describing the one or more features, with a machine learning model, to estimate a body mass index of the user. The device determines whether the user is verified for utilizing the transaction device to conduct a transaction based on the body mass index and one or more credentials associated with the user and performs one or more actions based on determining whether the user is verified for utilizing the transaction device to conduct the transaction.
    Type: Application
    Filed: November 20, 2019
    Publication date: September 24, 2020
    Inventors: Joshua EDWARDS, Abdelkadar M'Hamed BENKREIRA, Michael MOSSOBA
  • Publication number: 20200302759
    Abstract: The present disclosure relates to systems and methods for using haptic vibration for inter-device communication. In one implementation, a system for inter-device communication using haptic vibration may include at least one force gauge configured to measure displacements caused by an external device in contact with the at least one force gauge; at least one memory storing instructions; and at least one processor configured to execute the instructions to: receive an identifier associated with a user; retrieve a pattern associated with the received identifier; receive, from the at least one force gauge, one or more measurements over a period of time; assess a degree of difference between the received one or more measurements and the retrieved pattern; and, when the degree of difference is below a threshold, authenticate the user.
    Type: Application
    Filed: June 8, 2020
    Publication date: September 24, 2020
    Applicant: Capital One Services, LLC
    Inventors: Abdelkader BENKREIRA, Joshua EDWARDS, Michael MOSSOBA
  • Publication number: 20200302755
    Abstract: A method for improved security at automated teller machines (ATMs) comprising: capturing, by a first camera at an ATM, one or more images of a bank card; reading card information from the bank card by processing the one or more images of the bank card, wherein the card information comprises an account number and an expiration date; receiving, from an input device at the ATM, a personal identification number (PIN) entered by a user; sending a request to a server device to verify the card information and the PIN; and in response receiving a response from the server device, allowing the user to transact with the ATM.
    Type: Application
    Filed: March 22, 2019
    Publication date: September 24, 2020
    Applicant: Capital One Services, LLC
    Inventors: Joshua Edwards, Abdelkader M'Hamed Benkreira, Michael Mossoba, Rajko Ilincic
  • Publication number: 20200302412
    Abstract: Systems and methods for autonomous banking resources are disclosed. Embodiments include a mobile banking resource including an unmanned motorized vehicle, a controller configured to control the movement of the motorized vehicle, an authentication device configured to verify the identity of a user, a server configured to communicate with the controller and the authentication device, and a user interface module configured to interface with the user conducting a transaction. The user interface module may include a user input device configured to receive user input, and a communication interface module configured to communicate with a server and the user input device. The controller may be configured to operate the motorized vehicle to move the motorized vehicle to a location based on a predicted behavior of the user.
    Type: Application
    Filed: June 5, 2020
    Publication date: September 24, 2020
    Applicant: Capital One Services, LLC
    Inventors: Salik SHAH, Michael MOSSOBA
  • Patent number: 10783878
    Abstract: A device monitors a communication between a user associated with a user device and a service representative associated with a service representative device, and causes a natural language processing model to perform a natural language processing analysis of a user input of the communication to identify a topic associated with the communication. The device determines a first score associated with the topic, and determines a second score associated with enabling the communication, where the first score and second score indicate a service performance score of an entity. The device causes a sentiment analysis model to perform a sentiment analysis of the communication to determine a sentiment score indicating a level of satisfaction the user has relative to the topic. The device updates a transaction protocol associated with the topic based on the service performance score, and/or updates a communication processing protocol associated with the communication based on the sentiment score.
    Type: Grant
    Filed: December 12, 2019
    Date of Patent: September 22, 2020
    Assignee: Capital One Services, LLC
    Inventors: Abdelkadar M'Hamed Benkreira, Joshua Edwards, Michael Mossoba
  • Patent number: 10783522
    Abstract: Embodiments disclosed herein generally related to a system and method for exempting a transaction from a transaction hold. A computing system determines that an account associated with a user has been compromised. The computing system places a transaction hold on the account that has been compromised. The computing system generates one or more safe zones based at least on historical transaction data associated with the user. The one or more safe zones exempt from the transaction hold. The computing system receives a verification request for a transaction associated with the account. The verification request includes at least a merchant identification code associated with the third party merchant. The computing system determines that the third party merchant is included in at least one safe zone of the one or more safe zones. Based on the determination, the computing system verifies the transaction with the server of the third party merchant.
    Type: Grant
    Filed: July 23, 2018
    Date of Patent: September 22, 2020
    Assignee: Capital One Services, LLC
    Inventors: Michael Mossoba, Abdelkader Benkreira, Joshua Edwards