Patents by Inventor Nimma Bhusri
Nimma Bhusri 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).
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Patent number: 12205099Abstract: 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: GrantFiled: August 21, 2020Date of Patent: January 21, 2025Assignee: CAPITAL ONE SERVICES, LLCInventors: Nimma Bhusri, Ljubica Chatman, Lukiih Cuan
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Patent number: 12118209Abstract: Systems and methods of the present disclosure enable context-aware haptic error notifications. The systems and methods include a processor to receive input segments into a software application from a character input component and determine a destination. A context identification model predicts a context classification of the input segments based at least in part on the software application and the destination. Potential errors are determined in the input segments based on the context classification. An error characterization machine learning model determines an error type classification and an error severity score associated with each potential error and a haptic feedback pattern is determined for each potential error based on the error type classification and the error severity score of each potential error of the one or more potential errors. And a haptic event latency is determined based on the error type classification and the error severity score of each potential error.Type: GrantFiled: November 28, 2023Date of Patent: October 15, 2024Assignee: Capital One Services, LLCInventors: Abdelkader M'hamed Benkreira, Nimma Bhusri, Tyler Maiman
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Patent number: 12062052Abstract: Systems for securing transactions based on merchant trust score are disclosed. The system may receive information identifying a merchant from a user device and, in response, retrieve transaction data associated with the merchant and receive website data in response to receiving information identifying the merchant. The system may use a machine learning model to generate a merchant trust score for the merchant, and determine whether the merchant trust score is less than a predetermined threshold. The system may also generate or retrieve an alternative payment method and provide related information or a recommendation to the user device.Type: GrantFiled: February 17, 2023Date of Patent: August 13, 2024Assignee: CAPITAL ONE SERVICES, LLCInventors: Nimma Bhusri, Xiaoguang Zhu, Ljubica Chatman, Lukiih Cuan
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Patent number: 11961085Abstract: The disclosed technology relates to Spend Limit Systems for gas-station refuel transactions. An exemplary system may receive vehicle information identifying a customer's vehicle and identify associated vehicle characteristics (e.g., gas tank size). The system may identify a known gas-station transaction geographic region for the customer. When the customer (or a fraudster) attempts to purchase gas, the system may receive a transaction request and, in response, set a single transaction limit sufficient to fill the gas tank size with gas and an associated spend limit. The system may also determine whether the merchant location falls within the known gas-station transaction geographic region. When it does, the system may approve the transaction request up to the spend limit. Otherwise, the system may perform one or more fraud prevention actions to authenticate the customer and either approve or deny the transaction request up to the spend limit and/or selectively perform fraud mitigation action(s).Type: GrantFiled: April 27, 2022Date of Patent: April 16, 2024Assignee: CAPITAL ONE SERVICES, LLCInventors: Abdelkader Benkreira, Nimma Bhusri, Kaylyn Gibilterra
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Publication number: 20240094900Abstract: Systems and methods of the present disclosure enable context-aware haptic error notifications. The systems and methods include a processor to receive input segments into a software application from a character input component and determine a destination. A context identification model predicts a context classification of the input segments based at least in part on the software application and the destination. Potential errors are determined in the input segments based on the context classification. An error characterization machine learning model determines an error type classification and an error severity score associated with each potential error and a haptic feedback pattern is determined for each potential error based on the error type classification and the error severity score of each potential error of the one or more potential errors. And a haptic event latency is determined based on the error type classification and the error severity score of each potential error.Type: ApplicationFiled: November 28, 2023Publication date: March 21, 2024Inventors: Abdelkader M'Hamed Benkreira, Nimma Bhusri, Tyler Maiman
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Patent number: 11836344Abstract: Systems and methods of the present disclosure enable context-aware haptic error notifications. The systems and methods include a processor to receive input segments into a software application from a character input component and determine a destination. A context identification model predicts a context classification of the input segments based at least in part on the software application and the destination. Potential errors are determined in the input segments based on the context classification. An error characterization machine learning model determines an error type classification and an error severity score associated with each potential error and a haptic feedback pattern is determined for each potential error based on the error type classification and the error severity score of each potential error of the one or more potential errors. And a haptic event latency is determined based on the error type classification and the error severity score of each potential error.Type: GrantFiled: January 13, 2023Date of Patent: December 5, 2023Assignee: Capital One Services, LLCInventors: Abdelkader M'Hamed Benkreira, Nimma Bhusri, Tyler Maiman
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Publication number: 20230206246Abstract: Systems for securing transactions based on merchant trust score are disclosed. The system may receive information identifying a merchant from a user device and, in response, retrieve transaction data associated with the merchant and receive website data in response to receiving information identifying the merchant. The system may use a machine learning model to generate a merchant trust score for the merchant, and determine whether the merchant trust score is less than a predetermined threshold. The system may also generate or retrieve an alternative payment method and provide related information or a recommendation to the user device.Type: ApplicationFiled: February 17, 2023Publication date: June 29, 2023Inventors: Nimma Bhusri, Xiaoguang Zhu, Ljubica Chatman, Lukiih Cuan
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Publication number: 20230168804Abstract: Systems and methods of the present disclosure enable context-aware haptic error notifications. The systems and methods include a processor to receive input segments into a software application from a character input component and determine a destination. A context identification model predicts a context classification of the input segments based at least in part on the software application and the destination. Potential errors are determined in the input segments based on the context classification. An error characterization machine learning model determines an error type classification and an error severity score associated with each potential error and a haptic feedback pattern is determined for each potential error based on the error type classification and the error severity score of each potential error of the one or more potential errors. And a haptic event latency is determined based on the error type classification and the error severity score of each potential error.Type: ApplicationFiled: January 13, 2023Publication date: June 1, 2023Inventors: Abdelkader M'Hamed Benkreira, Nimma Bhusri, Tyler Maiman
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Patent number: 11605090Abstract: Systems for securing transactions based on merchant trust score are disclosed. The system may receive information identifying a merchant from a user device and, in response, retrieve transaction data associated with the merchant and receive website data in response to receiving information identifying the merchant. The system may use a machine learning model to generate a merchant trust score for the merchant, and determine whether the merchant trust score is less than a predetermined threshold. The system may also generate or retrieve an alternative payment method and provide related information or a recommendation to the user device.Type: GrantFiled: May 26, 2020Date of Patent: March 14, 2023Assignee: CAPITAL ONE SERVICES, LLCInventors: Nimma Bhusri, Xiaoguang Zhu, Ljubica Chatman, Lukiih Cuan
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Patent number: 11579730Abstract: Systems and methods of the present disclosure enable context-aware haptic error notifications. The systems and methods include a processor to receive input segments into a software application from a character input component and determine a destination. A context identification model predicts a context classification of the input segments based at least in part on the software application and the destination. Potential errors are determined in the input segments based on the context classification. An error characterization machine learning model determines an error type classification and an error severity score associated with each potential error and a haptic feedback pattern is determined for each potential error based on the error type classification and the error severity score of each potential error of the one or more potential errors. And a haptic event latency is determined based on the error type classification and the error severity score of each potential error.Type: GrantFiled: August 19, 2021Date of Patent: February 14, 2023Assignee: Capital One Services, LLCInventors: Abdelkader M'Hamed Benkreira, Nimma Bhusri, Tyler Maiman
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Publication number: 20220253861Abstract: The disclosed technology relates to Spend Limit Systems for gas-station refuel transactions. An exemplary system may receive vehicle information identifying a customer's vehicle and identify associated vehicle characteristics (e.g., gas tank size). The system may identify a known gas-station transaction geographic region for the customer. When the customer (or a fraudster) attempts to purchase gas, the system may receive a transaction request and, in response, set a single transaction limit sufficient to fill the gas tank size with gas and an associated spend limit. The system may also determine whether the merchant location falls within the known gas-station transaction geographic region. When it does, the system may approve the transaction request up to the spend limit. Otherwise, the system may perform one or more fraud prevention actions to authenticate the customer and either approve or deny the transaction request up to the spend limit and/or selectively perform fraud mitigation action(s).Type: ApplicationFiled: April 27, 2022Publication date: August 11, 2022Inventors: Abdelkader Benkreira, Nimma Bhusri, Kaylyn Gibilterra
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Patent number: 11348113Abstract: The disclosed technology relates to Spend Limit Systems for gas-station refuel transactions. An exemplary system may receive vehicle information identifying a customer's vehicle and identify associated vehicle characteristics (e.g., gas tank size). The system may identify a known gas-station transaction geographic region for the customer. When the customer (or a fraudster) attempts to purchase gas, the system may receive a transaction request and, in response, set a single transaction limit sufficient to fill the gas tank size with gas and an associated spend limit. The system may also determine whether the merchant location falls within the known gas-station transaction geographic region. When it does, the system may approve the transaction request up to the spend limit. Otherwise, the system may perform one or more fraud prevention actions to authenticate the customer and either approve or deny the transaction request up to the spend limit and/or selectively perform fraud mitigation action(s).Type: GrantFiled: May 20, 2020Date of Patent: May 31, 2022Assignee: CAPITAL ONE SERVICES, LLCInventors: Abdelkader Benkreira, Nimma Bhusri, Kaylyn Gibilterra
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Publication number: 20220137785Abstract: Systems and methods of the present disclosure enable context-aware haptic error notifications. The systems and methods include a processor to receive input segments into a software application from a character input component and determine a destination. A context identification model predicts a context classification of the input segments based at least in part on the software application and the destination. Potential errors are determined in the input segments based on the context classification. An error characterization machine learning model determines an error type classification and an error severity score associated with each potential error and a haptic feedback pattern is determined for each potential error based on the error type classification and the error severity score of each potential error of the one or more potential errors. And a haptic event latency is determined based on the error type classification and the error severity score of each potential error.Type: ApplicationFiled: August 19, 2021Publication date: May 5, 2022Inventors: Abdelkader M'Hamed Benkreira, Nimma Bhusri, Tyler Maiman
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Publication number: 20210374757Abstract: Systems for securing transactions based on merchant trust score are disclosed. The system may receive information identifying a merchant from a user device and, in response, retrieve transaction data associated with the merchant and receive website data in response to receiving information identifying the merchant. The system may use a machine learning model to generate a merchant trust score for the merchant, and determine whether the merchant trust score is less than a predetermined threshold. The system may also generate or retrieve an alternative payment method and provide related information or a recommendation to the user device.Type: ApplicationFiled: May 26, 2020Publication date: December 2, 2021Inventors: Nimma Bhusri, Xiaoguang Zhu, Ljubica Chatman, Lukiih Cuan
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Publication number: 20210365947Abstract: The disclosed technology relates to Spend Limit Systems for gas-station refuel transactions. An exemplary system may receive vehicle information identifying a customer's vehicle and identify associated vehicle characteristics (e.g., gas tank size). The system may identify a known gas-station transaction geographic region for the customer. When the customer (or a fraudster) attempts to purchase gas, the system may receive a transaction request and, in response, set a single transaction limit sufficient to fill the gas tank size with gas and an associated spend limit. The system may also determine whether the merchant location falls within the known gas-station transaction geographic region. When it does, the system may approve the transaction request up to the spend limit. Otherwise, the system may perform one or more fraud prevention actions to authenticate the customer and either approve or deny the transaction request up to the spend limit and/or selectively perform fraud mitigation action(s).Type: ApplicationFiled: May 20, 2020Publication date: November 25, 2021Inventors: Abdelkader Benkreira, Nimma Bhusri, Kaylyn Gibilterra
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Patent number: 11112909Abstract: Systems and methods of the present disclosure enable context-aware haptic error notifications. The systems and methods include a processor to receive input segments into a software application from a character input component and determine a destination. A context identification model predicts a context classification of the input segments based at least in part on the software application and the destination. Potential errors are determined in the input segments based on the context classification. An error characterization machine learning model determines an error type classification and an error severity score associated with each potential error and a haptic feedback pattern is determined for each potential error based on the error type classification and the error severity score of each potential error of the one or more potential errors. And a haptic event latency is determined based on the error type classification and the error severity score of each potential error.Type: GrantFiled: November 5, 2020Date of Patent: September 7, 2021Assignee: Capital One Services, LLCInventors: Abdelkader M'Hamed Benkreira, Nimma Bhusri, Tyler Maiman
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Publication number: 20210110373Abstract: 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: ApplicationFiled: August 21, 2020Publication date: April 15, 2021Inventors: Nimma Bhusri, Ljubica Chatman, Lukiih Cuan