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).

  • Patent number: 12205099
    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: Grant
    Filed: August 21, 2020
    Date of Patent: January 21, 2025
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Nimma Bhusri, Ljubica Chatman, Lukiih Cuan
  • Patent number: 12118209
    Abstract: 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: Grant
    Filed: November 28, 2023
    Date of Patent: October 15, 2024
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader M'hamed Benkreira, Nimma Bhusri, Tyler Maiman
  • Patent number: 12062052
    Abstract: 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: Grant
    Filed: February 17, 2023
    Date of Patent: August 13, 2024
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Nimma Bhusri, Xiaoguang Zhu, Ljubica Chatman, Lukiih Cuan
  • Patent number: 11961085
    Abstract: 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: Grant
    Filed: April 27, 2022
    Date of Patent: April 16, 2024
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Abdelkader Benkreira, Nimma Bhusri, Kaylyn Gibilterra
  • Publication number: 20240094900
    Abstract: 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: Application
    Filed: November 28, 2023
    Publication date: March 21, 2024
    Inventors: Abdelkader M'Hamed Benkreira, Nimma Bhusri, Tyler Maiman
  • Patent number: 11836344
    Abstract: 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: Grant
    Filed: January 13, 2023
    Date of Patent: December 5, 2023
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Nimma Bhusri, Tyler Maiman
  • Publication number: 20230206246
    Abstract: 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: Application
    Filed: February 17, 2023
    Publication date: June 29, 2023
    Inventors: Nimma Bhusri, Xiaoguang Zhu, Ljubica Chatman, Lukiih Cuan
  • Publication number: 20230168804
    Abstract: 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: Application
    Filed: January 13, 2023
    Publication date: June 1, 2023
    Inventors: Abdelkader M'Hamed Benkreira, Nimma Bhusri, Tyler Maiman
  • Patent number: 11605090
    Abstract: 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: Grant
    Filed: May 26, 2020
    Date of Patent: March 14, 2023
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Nimma Bhusri, Xiaoguang Zhu, Ljubica Chatman, Lukiih Cuan
  • Patent number: 11579730
    Abstract: 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: Grant
    Filed: August 19, 2021
    Date of Patent: February 14, 2023
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Nimma Bhusri, Tyler Maiman
  • Publication number: 20220253861
    Abstract: 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: Application
    Filed: April 27, 2022
    Publication date: August 11, 2022
    Inventors: Abdelkader Benkreira, Nimma Bhusri, Kaylyn Gibilterra
  • Patent number: 11348113
    Abstract: 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: Grant
    Filed: May 20, 2020
    Date of Patent: May 31, 2022
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Abdelkader Benkreira, Nimma Bhusri, Kaylyn Gibilterra
  • Publication number: 20220137785
    Abstract: 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: Application
    Filed: August 19, 2021
    Publication date: May 5, 2022
    Inventors: Abdelkader M'Hamed Benkreira, Nimma Bhusri, Tyler Maiman
  • Publication number: 20210374757
    Abstract: 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: Application
    Filed: May 26, 2020
    Publication date: December 2, 2021
    Inventors: Nimma Bhusri, Xiaoguang Zhu, Ljubica Chatman, Lukiih Cuan
  • Publication number: 20210365947
    Abstract: 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: Application
    Filed: May 20, 2020
    Publication date: November 25, 2021
    Inventors: Abdelkader Benkreira, Nimma Bhusri, Kaylyn Gibilterra
  • Patent number: 11112909
    Abstract: 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: Grant
    Filed: November 5, 2020
    Date of Patent: September 7, 2021
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Nimma Bhusri, Tyler Maiman
  • 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