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: 20200226359
    Abstract: Methods and systems for generating electronic signatures are disclosed. In some embodiments, the method includes: storing pixel features of a signing device; capturing, via an imaging device, a plurality of image frames including the pixel features of the signing device; identifying in the plurality of image frames, by a processor, first pixels matching the stored pixel features of the signing device; generating, by the processor, a first image including the identified pixels; and connecting, by the processor, the identified pixels to form at least one line drawing representing a signature.
    Type: Application
    Filed: March 30, 2020
    Publication date: July 16, 2020
    Applicant: Capital One Services, LLC
    Inventors: Joshua EDWARDS, Michael MOSSOBA
  • Publication number: 20200228654
    Abstract: A device receives, from a user device, a communication request that includes information identifying a user of the user device, an organization, and at least one reason for the communication request. The device determines, based on the communication request, information concerning the user, a telephone number associated with the organization, and a menu of an interactive voice response (IVR) system device associated with the telephone number. The device communicates, based on the information concerning the user, the menu of the IVR system device, and the at least one reason for the communication request, with the IVR system device via a communication session initiated based on the telephone number. The device determines, based on communicating with the IVR system device, a time that the user is to interact with the IVR system device via the communication session, and causes the user device to join the communication session at the time.
    Type: Application
    Filed: September 20, 2019
    Publication date: July 16, 2020
    Inventors: Michael MOSSOBA, Joshua EDWARDS, Abdelkadar M'Hamed BENKREIRA, Alexandra COLEVAS
  • Patent number: 10713632
    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: Grant
    Filed: January 15, 2019
    Date of Patent: July 14, 2020
    Assignee: Capital One Services, LLC
    Inventors: Salik Shah, Michael Mossoba
  • Publication number: 20200219105
    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: Application
    Filed: January 7, 2019
    Publication date: July 9, 2020
    Inventors: Michael Mossoba, Joshua Edwards, Abdelkadar M'Hamed Benkreira
  • Publication number: 20200219087
    Abstract: In one aspect, the present disclosure relates to a payment card amplification device comprising a card reader, an amplifier, an antenna, and a power supply. The card reader is configured to read payment card information from a payment card and generate an output signal comprising the payment card information. The amplifier is coupled to receive the card reader output signal and configured to generate an amplified signal comprising the payment card information. The antenna is coupled to receive the amplified signal and transmit the payment card information, wherein the transmitted payment card information can be read by a payment terminal. The power supply is coupled to a power source and configured provide power to the card reader and the amplifier.
    Type: Application
    Filed: October 10, 2019
    Publication date: July 9, 2020
    Applicant: Capital One Services, LLC
    Inventors: Joshua Edwards, Michael Mossoba, Abdelkader M'Hamed Benkreira, Daniel John Marsch
  • Publication number: 20200219157
    Abstract: A method may include receiving activity data associated with a user, wherein the activity data relates to online activity involving a product type, identifying the product type associated with the activity data, and predicting, based on the activity data, that the user is likely to purchase a product of the product type. The method may include generating, based on predicting that the user is likely interested in purchasing the product of the product type, an annotation to indicate that a potential transaction to purchase the product is forthcoming, and storing the annotation in a profile associated with an account of the user. The method may include detecting a transaction to purchase the product, wherein the transaction involves a payment from the account, and performing an action associated with a fraud analysis of the transaction based on the annotation.
    Type: Application
    Filed: December 30, 2019
    Publication date: July 9, 2020
    Inventors: Michael Mossoba, Joshua Edwards, Abdelkadar M'Hamed Benkreira
  • 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: 20200213300
    Abstract: A biometric heartrate authentication system and method is disclosed that leverages heartrate information collected by heartrate tracking devices to build a heartrate profile for a client. The system further leverages location information collected by existing location information services to determine an activity profile for a client. The activity profile information may be used together with the heartrate profile to generate an expected heartrate range against which a cardholder heartrate may be compared for authentication purposes. Because client heartrate characteristics are generally unique, varying according to the unique activities being performed by the client at any point in time, the system and method thus provide a low cost, non-invasive method for reliably authenticating individuals and securing against fraudulent account accesses.
    Type: Application
    Filed: January 2, 2019
    Publication date: July 2, 2020
    Applicant: Capital One Services, LLC
    Inventors: Joshua EDWARDS, Abdelkader M'Hamed BENKREIRA, Kevan EMMOTT, Michael MOSSOBA
  • Publication number: 20200211532
    Abstract: Systems and methods for selecting a virtual assistant are provided. An example system may include at least one memory device storing instructions and at least one processor configured to execute the instructions to perform operations that may include receiving a request from a user for a response, and identifying characteristics of the user based on the user request. The operations may also include determining a type of the user request and based on the determined type of the user request and the identified user characteristics, configuring a virtual assistant to interact with the user through at least one of synthesized speech or visual signals. The operations may also include providing the virtual assistant to interact with the user.
    Type: Application
    Filed: November 18, 2019
    Publication date: July 2, 2020
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey Rule, Kaylyn GIBILTERRA, Abdelkader BENKREIRA, Michael MOSSOBA
  • Publication number: 20200212950
    Abstract: A case may include a compartment configured to contain at least one card. The compartment may be open on a first side. Some embodiments may include an ejector disposed at least partially in the compartment and configured to eject the at least one card through the first side. In some embodiments, the ejector may include a slider configured to slide in a first direction from a second side of the compartment opposite the first side of the compartment towards the first side of the compartment. In some embodiments, the ejector may include an expander configured to expand in a first direction from a second side of the compartment opposite the first side of the compartment towards the first side of the compartment. Some embodiments of the case may include a spring wall configured to compress the at least one card within the compartment.
    Type: Application
    Filed: March 13, 2020
    Publication date: July 2, 2020
    Applicant: Capital One Services, LLC
    Inventors: Michael Mossoba, Abdelkader M'Hamed Benkreira, Joshua Edwards
  • Publication number: 20200204681
    Abstract: A device receives, from a user device, a communication associated with a support issue encountered by a user of the user device and assigns the communication to a position in a support queue based on when the communication is received, wherein the support queue includes data identifying positions of other communications received from other users, and data identifying when the other communications were received. The device processes data identifying the communication and historical communication data describing prior communications associated with the user, with a model, to determine an average time spent on hold by the user for the prior communications. The device modifies the position of the communication in the support queue based on the average time and performs one or more actions based on modifying the position of the communication in the support queue.
    Type: Application
    Filed: November 6, 2019
    Publication date: June 25, 2020
    Inventors: Joshua Edwards, Abdelkadar M'Hamed Benkreira, Michael Mossoba, Alexandra Colevas
  • Publication number: 20200202323
    Abstract: Systems and methods are provided for group bill payment comprising creating a secure group bill payment account associated with a plurality of group members. The group bill payment account may be configured to receive information via a network from the plurality of group members; permit a group member to manage the group bill payment account following an authentication process; and transmit a group payment to a provider. Systems and methods may further comprise receiving instructions from a group member to create a rule for requesting payment, the bill being from a provider and associated with group members; receiving the bill issued by the provider; determining a charge based on the bill and the rule; sending a payment request based on the charge; receiving a deposit into the group bill payment account; transmitting a group payment; and sending a notification.
    Type: Application
    Filed: February 28, 2020
    Publication date: June 25, 2020
    Applicant: CAPITAL ONE SERVICES, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Joshua Edwards, Michael Mossoba
  • 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
  • Publication number: 20200193707
    Abstract: A method for displaying video on a user device may include detecting a beacon, determining a location of the user device, detecting a first orientation of the user device by one or more first motion accelerometers, detecting a second orientation of the user device by one or more second motion accelerometers, receiving beacon location information, comparing at least one of the first orientation and the second orientation to the beacon location information, based on the comparing at least one of the first orientation and the second orientation to the beacon location information, creating a connection to the camera, requesting video from the camera by the user device, receiving the video captured by the camera, displaying a first window on a display of the user device, and displaying the video captured by the camera on the display of the user device.
    Type: Application
    Filed: November 18, 2019
    Publication date: June 18, 2020
    Applicant: Capital One Services, LLC
    Inventors: Joshua Edwards, Michael Mossoba, Abdelkader M'Hamed Benkreira, Salik Shah
  • Publication number: 20200193754
    Abstract: Systems and methods for using accelerations derived from a motion pattern for multi-factor authentication, the method including receiving, filtering, and determining an identifying pattern from acceleration data representative of the user and using the identifying pattern for secured access authentication.
    Type: Application
    Filed: February 4, 2020
    Publication date: June 18, 2020
    Applicant: Capital One Services, LLC
    Inventors: Joshua Edwards, Michael Mossoba, Abdelkader Benkreira
  • Publication number: 20200184476
    Abstract: An automated teller machine (ATM) may include an input component and one or more processors. The input component may be configured to detect multi-factor input associated with an account. The multi-factor input may include at least two of: a sequence of characters input via the input component, a force with which at least one character, of the sequence of characters, is input via the input component, a length of time over which at least one character, of the sequence of characters, is input via the input component, or a combination of at least two characters, of the sequence of characters, that are input concurrently via the input component. The ATM may receive the multi-factor input, validate the multi-factor input in association with the account, and selectively permit or deny access to one or more actions associated with the account based on validating the multi-factor input.
    Type: Application
    Filed: February 18, 2020
    Publication date: June 11, 2020
    Inventors: Abdelkadar M'Hamed BENKREIRA, Michael MOSSOBA, Joshua EDWARDS
  • Publication number: 20200184479
    Abstract: Computer-implemented systems are provided for managing cryptocurrency transactions. Consistent with disclosed embodiments, the systems may comprise at least one processor; and at least one memory device. The memory device may contain instructions that, when executed by the at least one processor, cause the system to perform operations. The operations may include receiving, from a third party, information relating to a cryptocurrency account. The operations may also include storing the information in a database. The operations may also include receiving, from a user, a request to investigate the account. The operations may also include identifying a characteristic associated with the account. The operations may also include determining a risk factor for the account, based at least in part on the characteristic, and sending, to the user, a first command to display the risk factor.
    Type: Application
    Filed: December 5, 2018
    Publication date: June 11, 2020
    Applicant: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Joshua Edwards, Michael Mossoba
  • Patent number: 10679451
    Abstract: A device monitors activity associated with a user of a currency bill storage device based on currency bill data received from the currency bill storage device over a period of time. The currency bill storage device includes image sensor(s) configured to capture images of currency bills. The currency bill data is based on the images. The device tracks a balance in the currency bill storage device based on the currency bill data and identifies, based on the activity, an upcoming transaction in which the user is expected to utilize a particular quantity of currency bills in the currency bill storage device. The device determines whether the balance is sufficient relative to the particular quantity of currency bills and performs one or more actions to cause an alert to be provided to the user based on determining whether the balance is sufficient relative to the particular quantity of currency bills.
    Type: Grant
    Filed: December 31, 2018
    Date of Patent: June 9, 2020
    Assignee: Capital One Services, LLC
    Inventors: Abdelkadar M'Hamed Benkreira, Michael Mossoba, Joshua Edwards
  • Patent number: 10679473
    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: Grant
    Filed: December 31, 2018
    Date of Patent: June 9, 2020
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader Benkreira, Joshua Edwards, Michael Mossoba
  • Patent number: 10679607
    Abstract: A device causes a communication session to be established between the device and a user device to allow the device and the user device to communicate speech, and receives user speech from the user device. The device processes the user speech using a natural language processing technique to determine a plurality of characteristics of the user speech, and updates a speech generation setting of a plurality of speech generation settings based on the plurality of characteristics of the user speech. The device generates, after updating the speech generation setting, device speech using a text-to-speech technique based on the speech generation setting, and sends the device speech to the user device.
    Type: Grant
    Filed: September 20, 2019
    Date of Patent: June 9, 2020
    Assignee: Capital One Services, LLC
    Inventors: Joshua Edwards, Michael Mossoba, Abdelkadar M'Hamed Benkreira, Alexandra Colevas