Inventor

MICHAEL MOSSOBA

Inventor

US

Overview

2021–2026

Patent span

Physics

Primary field (CPC G)

Patents· 316 as inventor

Public. Assignee & technology derived from the patent record. Each patent links to its LexDana page.

G06Qprimary

G06QInformation and communication technology [ict] specially adapted for administrative, commercial, financial, managerial or supervisory purposes26%

G06FElectric digital data processing18%

H04LTransmission of digital information, e.g. telegraphic communication12%

G06NComputing arrangements based on specific computational models8%

G07FCoin-freed or like apparatus6%

G06VImage or video recognition or understanding5%

H04WWireless communication networks4%

G06KGraphical data reading3%

G10LSpeech analysis techniques or speech synthesis3%

H04MTelephonic communication2%

PatentTitleYear

12,598,072Facilitating token use authentication for access tokens using stochastic images2026 12,591,641Processing an input stream of a user device to facilitate security associated with an account of a user of the user device2026 12,585,749Providing an augmented reality overlay to secure input data2026 12,561,621Systems and methods for interfacing with a server over a network2026 12,561,670Card for secure parking validation2026 12,561,656Methods and systems for deconflicting data from multiple sources in computer systems2026 12,555,408Method and system for customizing user experience2026 12,548,052System, method, and non-transitory computer-readable medium for inserting code into a document object model of a graphical user interface (GUI) for unified presentation of data2026 12,542,667Systems and methods for modifying cryptographic token related data2026 12,536,539Identity verification using a virtual credential2026 12,531,052Image description generation for a screen reader based on a setting indicating a level of verbosity2026 12,531,896Detecting malicious activity associated with resetting authentication information2026 12,517,992Detecting attempts to defeat facial recognition2026 12,494,191Flexible text-to-speech for screen readers2025 12,493,407Using a virtual keyboard to enter particular input2025 12,469,057Computer-based systems configured for identifying restricted reversals of operations in data entry and methods of use thereof2025 12,462,121Devices and methods for providing emergency information using a payment card2025 12,455,962Systems and methods for preventing communications with malicious cryptography-based storage application addresses using consensus2025 12,456,453Systems and methods for correcting automatic speech recognition errors2025 12,452,373Systems for identifying the answering party of an automated voice call2025 12,452,626Machine learning model prediction of an opportunity for an entity category in a geographic area2025 12,450,579Automated teller machines (ATMs) having offline functionality2025 12,437,300System, method, and computer-accessible medium for geo-fenced zones2025 12,432,539Alert a user of a weather change2025 12,417,461Fraud detection based on an analysis of messages in a messaging account2025 12,413,671Computer-based systems configured to monitor a communication session and generate a training session and methods of use thereof2025 12,413,667Detecting synthetic sounds in call audio2025 12,405,720Scroll-based automatic field completion2025 12,401,649Systems and methods for validating network operations related to use of a token via a token request based on entity characteristics2025 12,397,238Card customization via a gaming console2025 12,380,438Systems and methods for verifying cryptographically secured communications between users using non-transferable tokens2025 12,380,479Methods and systems for providing information about a location with image analysis2025 12,380,421Enhanced credential security based on a usage status of a wearable device2025 12,373,843Generating a random verification code for a transaction2025 12,373,846Computer-based systems configured for post-interaction data provisioning and methods of use thereof2025 12,367,519Method, system, and non-transitory computer readable storage medium for a browser extension for product quality2025 12,347,236Systems and methods for capturing electronic signatures2025 12,346,960Systems and methods for generating virtual tags for items in a physical environment2025 12,346,426Computer authentication using knowledge of former devices2025 12,339,680Preventing image or video capture of input data provided to a transaction device2025 12,340,536Systems and methods for managing assets2025 12,340,402Systems and methods for proactively informing users of an age of a merchant during online transactions2025 12,333,548Systems and methods for fraud detection and prevention2025 12,333,539Card for secure interactions by utilizing multiple card credentials2025 12,327,374Systems and methods for using location-related data to generate virtual certification number data for an interaction2025 12,321,976Methods and systems for anonymizing and providing access to transaction data2025 12,314,962Systems and methods of photo-based fraud protection2025 12,314,459Protecting user data privacy in a privacy zone2025 12,314,957Electronic profile and data security enforcement with user device data and methods of use thereof2025 12,299,730System, method and computer-accessible medium for repeating prior purchases2025 12,293,363Multi-factor automated teller machine (ATM) personal identification number (PIN)2025 12,282,905Method and system for large transfer authentication2025 12,271,888Generation of a combinatorial payment QR code2025 12,266,197Detection of manual entry error2025 12,254,117Obfuscating communications that include sensitive information based on context of the communications2025 12,249,228Systems and methods for intelligent alerting2025 12,248,750Accelerated form completion with email address analytics2025 12,236,771Systems and methods for card-handling by point of sale devices2025 12,236,406Systems and methods for real-time, distributed processing of group bill payments2025 12,236,424System and method for facilitating transfer of electronic payment information2025 12,231,386Storage space optimization for emails2025 12,212,676Systems and methods for sharing validated user activity2025 12,205,083Systems and methods for providing mobility-impaired transactional or identity documents processing2025 12,205,050Proactively detecting and predicting potential breakage or support issues for impending code changes2025 12,205,573Audible transaction verification with an assistance device2025 12,205,104Deactivate virtual card numbers based on billing cycles2025 12,204,630Image-based authentication2025 12,192,160Computer-based systems programmed for automatic adaptive content-based processing of electronic messages and methods of use thereof2025 12,192,212Website verification platform2025 12,186,533Interacting with an automated teller machine using a user device2025 12,182,494System and method for establishing an interactive communication session2024 12,183,330Theme detection for object-recognition-based notifications2024 12,182,882Utilizing machine learning models to automatically perform actions that maintain a plan for an event2024 12,176,736Multi-purpose device secure mobile device charging locations2024 12,175,310Perceptive scaling of computing resources2024 12,175,318Transaction card including expanded identification chip2024 12,174,934Maze-based user authentication2024 12,169,828Systems and methods for obfuscating transactions2024 12,165,153Computationally efficient theft detection2024 12,165,144Transaction platform that permits cash payments for online transactions2024 12,165,143System and method for obfuscating transaction information2024 12,166,892Systems and methods for message presentation using contactless cards2024 12,159,415More efficient automatic door sensing2024 12,159,276System and method for generation of virtual account-linked card2024 12,154,150Systems and methods for retrieving online merchant terms of a merchant and associating the same with transactions2024 D1052648Perforated card2024 12,155,770Systems and methods for user information management using contactless cards2024 12,155,651Systems and methods for automatically performing secondary authentication of primary authentication credentials2024 12,147,992System, method, and computer-accessible medium for determining the veracity of a bank fraud call2024 12,147,510System and method for securing a browser against font usage fingerprinting2024 12,147,912Predicting a time of an event associated with an instrument using a machine learning model2024 12,141,768Semi-private blockchain virtual currency exchange systems2024 12,141,805Account security system2024 12,135,357System for monitoring battery life of a battery of a user device to facilitate selection of communication schemes2024 12,136,335Systems and methods for using haptic vibration for inter device communication2024 12,123,251Deployable bank security system2024 12,124,980Verification of proof of work using computer vision and/or machine learning2024 12,125,042Pre-designated fraud safe zones2024 12,125,027Systems and methods for performing transactions with contactless cards2024 12,126,605Systems and methods for determining knowledge-based authentication questions2024 12,118,553Systems and methods for chip-based identity verification and transaction authentication2024 12,118,543Updating automatic payment method to avoid service disruption2024 12,112,322Systems and methods for user authorization and access to services using contactless cards2024 12,112,304Systems and methods for autonomous banking resources2024 12,106,361Systems and methods for identifying location-based information associated with a product on a web page2024 12,106,264Crowdsourced insights about merchant shipping methods2024 12,106,388Paying for parking with electrical power from an electric vehicle2024 12,105,779Systems and methods for employing a joystick sequence to authenticate a user2024 12,106,294Systems and methods for cryptographic authentication of contactless cards2024 12,099,584Systems and methods for employing a card rotation sequence to authenticate a user2024 12,093,914Transaction terminals for automated billing2024 12,086,823Computer-based systems including machine learning models trained on distinct dataset types and methods of use thereof2024 12,087,425Utilizing a machine learning model to identify unhealthy online user behavior and to cause healthy physical user behavior2024 12,086,875Using proof of purchase for multifactor authentication2024 12,073,673Utilizing a short-range wireless communication device to provide keyless access to a safe deposit box2024 12,073,839Authentication by speech at a machine2024 12,052,236Method and system for detecting two-factor authentication2024 12,051,164Augmented reality at a front-end device2024 12,051,260Document analysis to identify document characteristics and appending the document characteristics to a record2024 12,045,459Using a virtual keyboard to enter particular input2024 12,045,818Identity verification using a virtual credential2024 12,041,075Detecting malicious activity associated with resetting authentication information2024 12,026,749Content optimization on a social media platform based on third-party data2024 12,019,945Application replication platform2024 12,022,026System and method for serving multiple customers by a live agent2024 12,020,296Systems and methods for providing contextualized reviews2024 12,014,412Systems and methods for secure management of a universal shopping cart2024 12,014,576Systems and methods for capturing electronic signatures2024 12,014,371Systems and methods for fraud detection and prevention2024 12,010,260Detecting synthetic sounds in call audio2024 12,010,108Techniques to provide sensitive information over a voice connection2024 12,002,036Enhancing merchant databases using crowdsourced browser data2024 11,995,636Generation of a combinational payment QR code2024 11,974,127Systems and methods for cryptographic authentication of contactless cards2024 11,948,154Computer-based systems configured for post-interaction data provisioning and methods of use thereof2024 11,943,222Systems and methods for multi-device multi-factor authentication2024 11,928,684Electronic profile and data security enforcement with user device data and methods of use thereof2024 11,922,419Multi-factor automated teller machine (ATM) personal identification number (PIN)2024 11,922,926Systems and methods for correcting automatic speech recognition errors2024 11,922,383Methods and systems for deconflicting data from multiple sources in computer systems2024 11,915,313Using email history to estimate creditworthiness for applicants having insufficient credit history2024 11,915,282Preemptive transaction analysis2024 11,915,241Systems and methods for the secure entry and authentication of confidential access codes for access to a user device2024 11,900,275Proactively detecting and predicting potential breakage or support issues for impending code changes2024 11,887,463Systems and methods for card-handling by point of sale devices2024 11,888,855Website verification platform2024 D1012173Perforated card2024 11,880,843System, method, and computer-accessible medium for geo-fenced zones2024 11,882,010Utilizing machine learning with self-support actions to determine support queue positions for support calls2024 11,861,591Wearable transaction device2024 11,861,447Devices and methods for providing emergency information using a payment card2024 11,856,144Systems for identifying the answering party of an automated voice call2023 11,853,406System for verifying the identity of a user2023 11,853,524Augmented reality extended view2023 11,847,662Systems and methods of photo-based fraud protection2023 11,842,723Listening devices for obtaining metrics from ambient noise2023 11,836,809Employment status detection based on transaction information2023 11,837,061Techniques to provide and process video data of automatic teller machine video streams to perform suspicious activity detection2023 11,836,730Fraud detection based on an analysis of messages in a messaging account2023 11,830,044Computer-based systems configured for identifying restricted reversals of operations in data entry and methods of use thereof2023 11,830,287Method and system for customizing user experience2023 11,818,105Systems and methods for encoded communications2023 11,816,673Methods and systems for allowing an electronic purchase upon completion of an exercise and/or activity goal2023 11,816,707Augmented reality systems for facilitating real-time charity donations2023 11,810,176Methods and systems for anonymizing and providing access to transaction data2023 11,803,850System and method for biometric heartrate authentication2023 11,803,899Using proof of purchase for multifactor authentication2023 11,798,418Systems and methods for extracting information from a transaction description2023 11,786,826Card customization via a gaming console2023 11,790,910Interacting with a user device to provide automated testing of a customer service representative2023 11,790,415Route determination based on last known position2023 11,783,272Systems for implementing a permission-based automatic update of physical addresses in a database and methods of use thereof2023 11,775,947Method and system to predict ATM locations for users2023 11,776,065Utilizing machine learning models to automatically perform actions that maintain a plan for an event2023 11,769,185Systems and methods for SMS e-commerce assistant2023 11,768,927Systems and methods for safely storing an object2023 11,763,274Systems configured to manage cryptocurrency wallets having cost basis tracking and methods of use thereof2023 11,763,286Interacting with an automated teller machine using a user device2023 11,762,979Management of login information affected by a data breach2023 11,765,162Systems and methods for automatically performing secondary authentication of primary authentication credentials2023 11,757,818Storage space optimization for emails2023 11,747,837Preventing image or video capture of input data provided to a transaction device2023 11,749,035Utilizing a short-range wireless communication device to provide keyless access to a safe deposit box2023 11,741,520Methods and systems for providing crowd information and repeat information related to an establishment using digital image information2023 11,741,516Non-transitory computer-readable medium, method, and client device for inserting code into a document object model of a graphical user interface (GUI) for unified presentation of data2023 11,741,202Systems and methods for employing a card rotation sequence to authenticate a user2023 11,734,738Method, device, and medium for utilizing machine learning and transaction data to match boycotts of merchants to customers2023 11,727,402Utilizing machine learning and network addresses to validate online transactions with transaction cards2023 11,727,467Systems and methods for secure management of a universal shopping cart2023 11,727,739Systems and methods for using motion pattern of a user for authentication2023 11,720,870System for providing applications on an automated teller machine (ATM)2023 11,715,103Systems and methods for chip-based identity verification and transaction authentication2023 11,715,102Dynamically verifying a signature for a transaction2023 11,710,000Email rewrite and reorganization2023 11,709,579Systems and methods for customized navigation menus2023 11,711,359Authentication based on a physical key2023 11,704,709Systems and methods for proactively informing users of an age of a merchant during online transactions2023 11,704,496Analysis of a topic in a communication relative to a characteristic of the communication2023 11,699,060Transaction card including expanded identification chip2023 11,697,961Deployable bank security system2023 11,687,915System and method for generation of virtual account-linked card2023 11,687,626System and method for securing a browser against font usage fingerprinting2023 11,687,898Systems and methods for autonomous banking resources2023 11,677,751Systems and methods for multi-device multi-factor authentication2023 11,676,140System and method for facilitating transfer of electronic payment information2023 11,677,877Utilizing machine learning with call histories to determine support queue positions for support calls2023 11,663,579Payment apparatus2023 11,636,741Systems and methods for using haptic vibration for inter device communication2023 11,637,824Multi-factor authentication devices2023 11,631,078System and method for obfuscating transaction information2023 11,625,716Transaction platform that permits cash payments for online transactions2023 11,625,657Utilizing a machine learning model to crowdsource funds for public services2023 11,620,635Methods and systems for approving transactions2023 11,621,951System and method for capturing information2023 11,615,418Account security system2023 11,580,202Systems and methods for employing a joystick sequence to authenticate a user2023 11,580,549Transaction tracking and fraud detection using voice and/or video data2023 11,567,647Dynamic credit report obfuscation2023 11,568,407Multi-factor automated teller machine (ATM) personal identification number(PIN)2023 11,568,414Online transaction verification based on merchant-independent user geolocation2023 11,563,583Systems and methods for content management using contactless cards2023 11,562,365User authentication based on a user interaction associated with a transaction2023 11,556,908Methods and systems for deconflicting data from multiple sources in computer systems2023 11,551,196Systems and methods for real-time, distributed processing of group bill payments2023 11,546,469Interacting with an interactive voice response system device or agent device of an organization2023 11,538,116Life event bank ledger2022 11,538,326Systems and methods for card-handling by point of sale devices2022 11,538,007Automated teller machines (ATMs) having offline functionality2022 11,538,079Systems and methods for retrieving online merchant terms of a merchant and associating the same with transactions2022 11,523,256Methods and systems for facilitating digital notifications in mobile communication networks2022 11,520,556Application replication platform2022 11,516,197Techniques to provide sensitive information over a voice connection2022 11,514,414Performing an action based on predicted information2022 11,507,940Payment card amplification device2022 D0970613Perforated card2022 11,502,842Cluster-based security for network devices2022 11,501,569System for verifying the identity of a user2022 11,503,018Method and system for detecting two-factor authentication2022 11,494,747System for providing applications on an automated teller machine (ATM)2022 11,489,797System and method for distributed document upload via electronic mail2022 11,488,222Systems and methods for SMS e-commerce assistant2022 11,488,166System and method for biometric heartrate authentication2022 11,475,638Systems and methods for displaying video from a remote beacon device2022 11,475,471Methods and systems for directing transaction rewards2022 11,469,898Systems and methods for message presentation using contactless cards2022 11,461,748Systems and methods for autonomous banking resources2022 11,461,443Systems and methods for employing a card rotation sequence to authenticate a user2022 11,457,011Using receipts for multifactor authentication2022 11,450,151Detecting attempts to defeat facial recognition2022 11,449,856Generation of a combinatorial payment QR code2022 11,450,149Systems and methods for capturing electronic signatures2022 11,444,775Systems and methods for content management using contactless cards2022 11,430,283Methods and systems for delivering a document2022 11,429,705Systems and methods for safely storing an object2022 11,416,843Dynamic electronic communication with variable messages using encrypted quick response codes2022 11,403,422Systems and methods for the secured entry and storage of sensitive data2022 11,392,900Systems and methods for custodial email management and transaction verification2022 11,392,948Method and system for user address validation2022 11,379,820Expressive digital content using payment QR codes2022 11,380,202System and method for vehicle-to-vehicle communication2022 11,374,914Systems and methods for determining knowledge-based authentication questions2022 11,373,155Multi-slot automated teller machine2022 11,375,062Systems for detecting harassing communication2022 11,361,173Devices and methods for providing emergency information using a payment card2022 11,361,352Method, device, and medium for utilizing machine learning and transaction data to match boycotts of merchants to customers2022 11,356,560Utilizing machine learning with call histories to determine support queue positions for support calls2022 11,354,394Identity verification using autonomous vehicles2022 11,354,655Enhancing merchant databases using crowdsourced browser data2022 11,354,730Systems and methods for identifying location-based information associated with a product on a web page2022 11,349,519Fan-out phone case wallet2022 11,348,171Accessing a financial service using a media device2022 11,349,845Website verification platform2022 11,341,548Preemptive transaction analysis2022 11,341,823Methods and devices for automatic transaction machines for recognizing surroundings2022 11,334,870Wearable transaction device2022 11,328,266Systems and methods for notifying an entity of a requested payment2022 11,328,317Systems and methods for incentivizing behavior2022 11,328,244Utilizing machine learning to generate augmented reality delivery instructions for delivering an item to a location2022 11,321,702Payment apparatus2022 11,315,392Methods and devices for automatic transaction machines for recognizing surroundings2022 11,316,760Utilizing machine learning with self-support actions to determine support queue positions for support calls2022 11,308,771System and method for an automated teller machine to issue a secured bank card2022 11,308,749Systems and methods for electronic voting at a location associated with a financial instituion using a mobile device2022 11,302,155Counterfeit detection apparatus2022 11,301,887Recommendation engine for rideshare system and vehicle routing2022 11,295,722Updating a speech generation setting based on user speech2022 11,290,450Systems and methods for automatically performing secondary authentication of primary authentication credentials2022 11,283,929Identifying unreported issues through customer service interactions and website analytics2022 11,282,147Employment status detection based on transaction information2022 11,272,330Methods and systems for facilitating digital notifications in mobile communication networks2022 11,270,281Systems and methods for the secure entry and authentication of confidential access codes for access to a user device2022 11,263,486Computer-based systems including machine learning models trained on distinct dataset types and methods of use thereof2022 11,263,674Setting up a payment plan to pay a bill2022 11,257,313Systems and methods for using motion pattern of a user for authentication2022 11,244,336Incentive management platform2022 11,240,382Computer-based systems configured for automated subscription management and methods thereof2022 11,238,486Multi-customer offer2022 11,238,427Transaction terminals for automated billing2022 11,232,431Transaction management based on audio of a transaction2022 11,227,283Updating automatic payment method to avoid service disruption2022

Career & activity timeline

Assembled from patent assignee/location history and declaration credentials.

2021–2026Patents assigned to CAPITAL ONE SERVICES LLC (316)· patent assignee history

2021–2026Based in US· patent location history

2023Patents assigned to CAPITAL ONE SERVICE LLC (1)· patent assignee history

2025Patents assigned to CAPTIAL ONE SERVICES LLC (1)· patent assignee history

Inventor activity

Assignee and location history derived from the patent record.

Assignees

Assignee	Patents	Span
CAPITAL ONE SERVICES LLC	316	2021–2026
CAPITAL ONE SERVICE LLC	1	2023
CAPTIAL ONE SERVICES LLC	1	2025

Locations

Location	Patents	Span
US	316	2021–2026