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Небесная энциклопедия

Космические корабли и станции, автоматические КА и методы их проектирования, бортовые комплексы управления, системы и средства жизнеобеспечения, особенности технологии производства ракетно-космических систем

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Мониторинг СМИ

Мониторинг СМИ и социальных сетей. Сканирование интернета, новостных сайтов, специализированных контентных площадок на базе мессенджеров. Гибкие настройки фильтров и первоначальных источников.

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Применить Всего найдено 201. Отображено 100.
20-10-2016 дата публикации

SYSTEM, METHOD, AND APPARATUS FOR A DYNAMIC TRANSACTION CARD

Номер: US20160307089A1
Автор: David WURMFELD, Tyler Locke, WURMFELD DAVID, LOCKE TYLER, WURMFELD David, Locke Tyler
Принадлежит: Capital One Services LLC

A dynamic transaction card that includes a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller/microprocessor storing firmware, Java applets, Java applet integration, and the like, an EMV processor, an energy storage component, one or more antenna (e.g., Bluetooth antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer. A display layer may include enhanced features such as the use of LED display components as a photosensor.

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Номер записи: 1
02-01-2020 дата публикации

DYNAMIC TRANSACTION CARD ANTENNA MOUNTING

Номер: US20200005111A1
Автор: Koeppel Adam, Locke Tyler, Markson Theodore, Wurmfeld David
Принадлежит:

A dynamic transaction card that includes a transaction card having a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer protective layer, a core layer, a potting layer, a touch sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV™ chip, an energy storage component, one or more antennas (e.g., Bluetooth™ antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer, which may include a back protective layer. The antennas may be mounted on the protective layers, which may be laminated to the core layer, and connected to the core layer onto a printed circuit board (PCB) using conductive epoxies. 129-. (canceled)30. A dynamic transaction card comprising:an outer protective layer having an outer edge, an outer surface, and an inner surface; an energy storage component; and', 'a printed circuit board (PCB) to provide integration between components of the dynamic transaction card via a conductive path;, 'a card backing having an outer edge, an outer surface, and an inner surface, wherein the card backing and the outer protective layer are connected along their respective outer edges to form a core layer containinga first protective film layer covering the outer surface of the outer protective layer; anda first antenna comprising conductive ink and printed on the first protective film layer.31. The dynamic transaction card of claim 30 , wherein:the first protective film layer has an interior surface proximate the outer surface of the outer protective layer and an exterior surface facing away from the outer surface of the outer protective layer; andthe first antenna is printed on the interior surface of the first protective film layer.32. The dynamic transaction card of claim ...

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Номер записи: 2
11-01-2018 дата публикации

TAMPER-RESISTANT TRANSACTION CARD AND METHOD OF PROVIDING A TAMPER-RESISTANT TRANSACTION CARD

Номер: US20180012114A1
Автор: KELLY Kevin, Locke Tyler, Markson Theodore, SANGI Saleem, Wurmfeld David, ZARAKAS James
Принадлежит:

A dynamic transaction card that is manufactured using conductive plastic jumpers that will dissolve when in contact with a solvent used to tamper with the dynamic transaction card. Internal components of a dynamic transaction card may be manufactured using a synthetic or semi-synthetic organic material, such as, for example, plastics. These materials may be conductive to provide functionality to a dynamic transaction card, such as a connection between an integrated circuit and other card components such that when the materials dissolve, the connections are broken and the dynamic transaction card may be inactive due to the loss of various connections. 123-. (canceled)24. A dynamic transaction card comprising:an outer layer comprising a plastic material;electrical components; the connector is constructed from a conductive, dissolvable material;', 'the connector is arranged in a sequence, wherein the dynamic transaction card will look for the sequence to activate the card; and', 'upon dissolving the outer layer using a solvent, the at least one connector is dissolved to break the connection between the electrical components and erase memory of the dynamic transaction card., 'at least one connector between the electrical components, wherein25. The dynamic transaction card of claim 24 , wherein the electrical components comprise an integrated circuit claim 24 , power supply claim 24 , power management component claim 24 , microprocessor claim 24 , microcontroller claim 24 , and/or a EuroPay-MasterCard-Visa (EMV) chip.26. The dynamic transaction card of claim 25 , wherein the connector connects the integrated circuit to the power supply and/or power management component.27. The dynamic transaction card of claim 25 , wherein the connector connects the microprocessor and/or microcontroller to the power supply and/or power management component.28. The dynamic transaction card of claim 24 , wherein the plastic material comprises polyethylene terephthalate claim 24 , ...

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Номер записи: 3
09-01-2020 дата публикации

TAMPER-RESISTANT TRANSACTION CARD AND METHOD OF PROVIDING A TAMPER-RESISTANT TRANSACTION CARD

Номер: US20200012913A1
Автор: KELLY Kevin, Locke Tyler, Markson Theodore, SANGI Saleem, Wurmfeld David, ZARAKAS James
Принадлежит:

A dynamic transaction card that is manufactured using conductive plastic jumpers that will dissolve when in contact with a solvent used to tamper with the dynamic transaction card. Internal components of a dynamic transaction card may be manufactured using a synthetic or semi-synthetic organic material, such as, for example, plastics. These materials may be conductive to provide functionality to a dynamic transaction card, such as a connection between an integrated circuit and other card components such that when the materials dissolve, the connections are broken and the dynamic transaction card may be inactive due to the loss of various connections. 1. A dynamic transaction card comprising:an integrated circuit;a power supply; anda first connector, comprising a first dissolvable material, positioned between the integrated circuit and the power supply to provide a first electrical connection between the integrated circuit and the power supply;wherein, when the first connector is dissolved with a solvent, the first electrical connection between the integrated circuit and the power supply is interrupted and the dynamic transaction card is deactivated.2. The dynamic transaction card of claim 1 , wherein the first dissolvable material is an irreversibly cured polymer injected into a mold to form the first connector.3. The dynamic transaction card of claim 2 , wherein the first connector is manufactured using reaction injection molding.4. The dynamic transaction card of claim 2 , wherein the irreversibly cured polymer comprises a fiber or mica reinforcing agent.5. The dynamic transaction card of claim 1 , wherein the first dissolvable material comprises polyethylene terephthalate claim 1 , polyethylene claim 1 , high-density polyethylene claim 1 , polyvinyl chloride claim 1 , polyvinylidene chloride claim 1 , low-density polyethylene claim 1 , polypropylene claim 1 , polystyrene claim 1 , high impact polystyrene claim 1 , polyamides claim 1 , acrylonitrile butadiene ...

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Номер записи: 4
16-01-2020 дата публикации

SYSTEMS AND METHODS FOR TESTING MULTI-ELEMENT LIGHTED DISPLAYS

Номер: US20200018801A1
Автор: Locke Tyler, OSBORN Kevin, Wurmfeld David Kelly
Принадлежит: Capital One Services, LLC

Systems and methods for testing a light emitting display unit having a plurality of light emitting elements are disclosed. Embodiments include a system with a test module, the test module including a plurality of light detection elements. Each of the plurality of light detection elements may generate a signal upon detection of light emitted from a light emitting element. The test module may also include a circuit. The circuit may receive input signals from the plurality of light detection elements, process the input signals based on a pre-determined function of the circuit, and generate an aggregate output signal based on the processing of the input signals. The circuit may also process the input signals based on discrete implementation of a combinational logic. The circuit may further receive instructions determining the combinational logic to be implemented. 120-. (canceled)21. A system for testing a light emitting display unit having a plurality of light emitting elements , the system comprising:a test fixture, including:a plurality of light detection elements positioned such that light emitted by the plurality of light emitting elements is captured without interference from light emitted from a neighboring light emitting element; and receive input signals from the light detection elements;', 'process the input signals based on a pre-determined function of the circuit and discrete implementation of a combinational logic; and', 'generate an aggregate output signal based on the processing of the input signals, wherein the aggregate output signal is configured to determine a total number of activated light emitting elements., 'a circuit configured to22. The system of claim 21 , wherein the light detection elements are configured to generate signals upon detection of light emitted from the light emitting element.23. The system of claim 21 , wherein the plurality of light detection elements are positioned at an optimum distance from the plurality of light emitting ...

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Номер записи: 5
16-01-2020 дата публикации

MULTI-FUNCTION TRANSACTION CARD

Номер: US20200019962A1
Автор: EMMOTT Kevan, ILINCIC Rajko, JOHNSON Molly, KOEPPEL Adam R., Locke Tyler, Wurmfeld David Kelly, ZARAKAS James
Принадлежит:

A multi-function transaction card may determine whether to submit a first payment as a passive payment device or to receive a second payment from another transaction card. The multi-function transaction card may have a length and a width that are in accordance with a standard for transaction cards. The multi-function transaction card may selectively perform a payment transaction based on determining whether to submit the first payment or to receive the second payment. The payment transaction may be performed by providing first card data to a transaction terminal for processing when the multi-function transaction card is to submit the first payment. The payment transaction may be performed by receiving second card data from the other transaction card, and processing the second card data via online data authentication, or via offline data authentication, when the multi-function transaction card is to receive the second payment. 1. A method , comprising: 'the multi-function transaction card having a length and a width that are in accordance with a standard for transaction cards; and', 'determining, by a multi-function transaction card, whether to submit a first payment as a passive payment device or to receive a second payment from another transaction card,'} the first payment transaction being performed by providing first card data to a transaction terminal for processing when the multi-function transaction card is to submit the first payment, or', pairing with a user device,', 'receiving, from the user device and based on pairing with the user device, an instruction to initialize a card reading functionality of the multi-function transaction card,', 'receiving, based on initializing the card reading functionality, second card data from the other transaction card,', 'determining whether an active connection exists between the multi-function transaction card and the user device, and', the online data authentication being performed based on determining that the active ...

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Номер записи: 6
24-01-2019 дата публикации

SYSTEM, METHOD, AND APPARATUS FOR WIRELESS CHARGING

Номер: US20190027976A1
Автор: Koeppel Adam, Locke Tyler, Wurmfeld David
Принадлежит:

Using inductive currents to wirelessly charge a device via a device connected to a power source. This inductive charging may result when a first mobile device recognizes a second mobile device via a wireless connection (e.g., Bluetooth, Bluetooth Low Energy (BLE), Near-Field Communication (NFC), or the like). An application stored on the first mobile device may recognize a second mobile device by transmitting an advertising packet when the first mobile device is connected to a power source. An advertising packet may be received by the second mobile device and the second mobile device may transmit a response to the advertising packet in order to generate a connection between the first and second mobile devices. The response may include data such as, connection strength, response time, connection preferences, and the like. Upon detection and connection, the second mobile device may be wirelessly charged by the first device via inductive charging. 1. An electronic transaction card comprising:an antenna;an energy storage component;a non-transitory storage medium storing account information of an account holder;a sensor for receiving a security input from the account holder;a display for displaying the account information of the account holder; and send and receive data packets, via the antenna, to and from a terminal system to conduct a transaction using contactless payment technology based on the security input, wherein the data packets include user authentication information to authenticate payment using the account information during the transaction;', 'transmit an advertising packet to a mobile power receiving device;', 'receive a response from the mobile power receiving device, wherein the response indicates that a connection is made between the electronic transaction card and the mobile power receiving device, and wherein a frequency of energy transmission is determinable from the response; and', 'broadcast a signal to the mobile power receiving device based on ...

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Номер записи: 7
30-01-2020 дата публикации

SYSTEM AND METHODS FOR SECURE FIRMWRE VALIDATION

Номер: US20200034542A1
Автор: Locke Tyler, Wurmfeld David, YORK Brennon, ZARAKAS James
Принадлежит:

An electronic device, such as a dynamic transaction card having an EMV chip, that acts as a TPM having a memory, an applet, and a cryptographic coprocessor performs secure firmware and/or software updates, and performs firmware and/or software validation for firmware and/or software that is stored on the electronic device. Validation may compare a calculated checksum with a checksum stored in EMV chip memory. If a checksum calculated for firmware and/or a software application matches a checksum stored in EMV chip memory of the transaction card, the transaction card may operate normally. If a checksum calculated for firmware and/or a software application does not match a checksum stored in EMV chip memory of the transaction card, the transaction card may freeze all capabilities, erase the memory of the transaction card, display data indicative of a fraudulent or inactive transaction card, and/or the like. 130-. (canceled)31. A dynamic transaction card comprising:an antenna;a cryptographic coprocessor, and connect to a firmware provider system;', 'receive a first portion of an updated firmware program from the firmware provider system;', 'connect, via the antenna, to a user device;', 'receive, via the antenna, a second portion of the updated firmware program from the user device;', 'receive a first checksum with a portion of the updated firmware program;', 'calculate, with the cryptographic coprocessor, a second checksum for the first portion and the second portion;', 'determine, with the cryptographic coprocessor, whether the first checksum matches the second checksum; and', 'validate, with the cryptographic coprocessor, the updated firmware program when the first checksum matches the second checksum., 'memory in communication with the cryptographic coprocessor and storing an existing firmware program, version data associated with the existing firmware program, and instructions that, when executed by the cryptographic coprocessor, cause the dynamic transaction card ...

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Номер записи: 8
30-01-2020 дата публикации

SYSTEM, METHOD, AND APPARATUS FOR A DYNAMIC TRANSACTION CARD

Номер: US20200034826A1
Автор: Locke Tyler, Wurmfeld David
Принадлежит:

A dynamic transaction card that includes a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller/microprocessor storing firmware, Java applets, Java applet integration, and the like, an EMV processor, an energy storage component, one or more antenna (e.g., Bluetooth antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer. A display layer may include enhanced features such as the use of LED display components as a photosensor.

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Номер записи: 9
18-02-2021 дата публикации

SYSTEM AND METHODS FOR SECURE FIRMWARE VALIDATION

Номер: US20210049279A1
Автор: Locke Tyler, Wurmfeld David, YORK Brennon, ZARAKAS James
Принадлежит:

An electronic device, such as a dynamic transaction card having a chip, an applet, and a cryptographic coprocessor performs secure firmware and/or software updates, and performs firmware and/or software validation for firmware and/or software that is stored on the electronic device. Validation may compare a calculated checksum with a checksum stored in the device. If a checksum calculated for a firmware and/or a software application matches a stored checksum, the transaction card may operate normally. If a checksum calculated for a firmware and/or a software application does not match the stored checksum, the transaction card may freeze all capabilities, erase the memory of the transaction card, display data indicative of fraud, and/or the like. 1. A method for validating a firmware program , the method comprising:storing, in memory of a transaction card, the firmware program;receiving, at a processor of the transaction card, one or more rules to initiate a checksum validation via an applet;reading, via the applet, the firmware program stored on the transaction card;calculating, via a cryptographic processor of the transaction card, a first checksum for the firmware program;receiving, at the processor, data triggering the one or more rules;reading, via a secure element, the memory including the firmware program to identify memory data in response to receiving the data triggering the one or more rules;transmitting, via the secure element, the memory data to the cryptographic processor;calculating, via the cryptographic processor, a second checksum for the firmware program;comparing, using the processor, the first checksum and the second checksum to determine if the first checksum and the second checksum match; and validating the firmware program in response to determining that the first checksum and the second checksum match;', 'or', 'deleting at least a portion of data in the memory in response to determining that the first checksum and the second checksum do not ...

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Номер записи: 10
06-02-2020 дата публикации

UTILIZING A TRANSACTION CARD TO PROVIDE SECONDARY AUTHENTICATION FOR ACCESSING A SECURE APPLICATION WITH A USER DEVICE

Номер: US20200042993A1
Автор: JOHNSON Molly, Koeppel Adam, Locke Tyler, Perry Robert, ZARAKAS James
Принадлежит:

A transaction card includes a near-field communication (NFC) component, a security component, a wireless component, one or more memories, and one or more processors communicatively coupled to the one or more memories. The device receives a signal from a user device attempting to access a secure application, and energizes the NFC component based on the signal received from the user device. The device causes the security component to generate an encrypted code based on the NFC component being energized, and provides, via the security component, the encrypted code to the wireless component. The device provides, via the wireless component, the encrypted code to the user device to permit the user device to utilize the encrypted code as authentication for accessing the secure application. 1. A method , comprising:providing, by a user device and for display, a first request for user credentials for accessing an application;providing, by the user device, for display via the application, and based on an input associated with an application capability, a second request to perform a gesture with a transaction card;receiving, by the user device and based on the gesture being sensed at the transaction card, an encrypted code from the transaction card;providing, by the user device, the encrypted code to an application platform; andproviding, by the user device, for display, and based on the encrypted code being verified by the application platform, information associated with the application capability.2. The method of claim 1 , wherein the gesture includes at least one of:a tapping of the transaction card on at least one of the user device or a surface,a movement of the transaction card in a particular pattern,a flipping of the transaction card,a movement of a figure or hand in a particular pattern on the transaction card,a movement of a figure or hand in a particular pattern over the transaction card in a particular manner, ora tapping of the transaction card with a finger.3. ...

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Номер записи: 11
06-02-2020 дата публикации

SYSTEMS AND METHODS FOR ACTIVE SIGNATURE DETECTION

Номер: US20200043004A1
Автор: Koeppel Adam, Locke Tyler, Wurmfeld David, ZARAKAS James
Принадлежит: Capital One Services, LLC

Disclosed embodiments describe a system for completing a transaction using an electronic transaction card by receiving, from a user device executing a software application, a selection of a first account function associated with a financial transaction; determining that the account function requires user verification; detecting, via a motion detection component, a motion pattern performed on the electronic transaction card by the user; authenticating an identity of the user, by the electronic transaction card, based on the detected motion pattern; and completing, by the user device, the financial transaction. 119-. (canceled)20. A system for completing a transaction using a transaction card , the system comprising:a memory device storing instructions; and transmit, to a transaction card, instructions to enable variable-rate collection of motion pattern data;', 'display, via a user interface, a prompt instructing a user to execute a motion pattern with the transaction card;', 'receive, from the transaction card, an indication based on a comparison, by the transaction card, of the executed motion pattern with stored motion pattern data;', 'based on the indication, provide instructions to a service provider system to complete the transaction; and', 'transmit, to the transaction card, instructions to disable variable-rate collection of motion pattern data., 'a processor configured to execute the instructions to21. The system of claim 20 , wherein the motion pattern represents a shape claim 20 , a series of taps on one or more edges of the electronic transaction card claim 20 , or a signature.22. The system of claim 20 , wherein the motion pattern is configured by the user.23. The system of claim 20 , wherein the transaction card communicates with the system via a near-field communication component.24. The system of claim 20 , wherein the instructions to enable variable-rate collection of motion pattern data are configured to cause a motion detection device of the ...

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Номер записи: 12
03-03-2022 дата публикации

ANTENNA FORMED USING LASER PLATING OR PRINT-AND-PLATING FOR FIELD-POWERED SHORT RANGE COMMUNICATIONS

Номер: US20220067478A1
Автор: Koeppel Adam, Locke Tyler
Принадлежит:

A method of fabricating a transaction card for communicating data relating to a transaction may include forming a pattern in a plastic film using a laser plating process or a print-and-plate process; providing a conductive material in the pattern formed in the plastic film, using a plating process, to form a RF antenna layer in the plastic film, wherein the RF antenna layer includes a RF antenna; and affixing the plastic film to a surface of the transaction card to permit the RF antenna to inductively connect to a printed circuit board (PCB) of the transaction card.

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Номер записи: 13
10-03-2022 дата публикации

SYNTHETIC AGRICULTURAL SENSOR

Номер: US20220074914A1
Автор: KELLY Kevin, Koeppel Adam, Locke Tyler
Принадлежит:

In order to predict plant stresses at a localized level, data feeds from many sensor types can be fused and analyzed to create a synthetic sensor estimating plant water stress, predicting microclimatic conditions, and performing localized plant disease and pest modeling. To make this affordable, an array of low-cost, lower precision sensors can be used. Sensor fusion is used to improve the accuracy of each sensing element by using machine learning to fuse data from the other sensing elements in the array. Additionally, machine learning can create a “synthetic sensor” replicating the output of high-cost and maintenance intensive sensing devices by using machine learning to replicate their output. 1. A method of generating a synthetic sensor for providing an agricultural measurement comprising:receiving a plurality of secondary signals from a plurality of secondary sensors;providing the plurality of secondary signals to a neural network comprising a learning model that transforms the plurality of secondary signals into a value of a primary signal;transmitting the primary signal from the trained learning model to a device having a display.2. The method according to claim 1 , wherein training the learning model further comprises obtaining a measured value of the primary signal from at least one primary sensor claim 1 , and modifying the learning model based on the measured value of the primary signal.3. The method according to claim 2 , wherein the neural network is a recurrent neural network that is used to create the learning model that models a relationship between the plurality of secondary signals and the measured value of the primary signal.4. The method according to claim 1 , wherein training of the learning model comprises using secondary signals from at least five secondary sensors.5. The method according to claim 1 , wherein the value of the primary signal is not a value measured by the plurality of secondary sensors.6. The method according to claim 1 , ...

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Номер записи: 14
10-03-2022 дата публикации

Systems and methods for multicomputer data transferring to activate contactless communication

Номер: US20220076242A1
Автор: Adam Koeppel, James ZARAKAS, Kevin Kelly, Molly Johnson, Robert Perry, Saleem SANGI, Tyler LOCKE
Принадлежит: Capital One Services LLC

The present disclosure relates to systems and methods for using multicomputer data transferring to active contactless communication. In one example, such a system may include at least one memory storing instructions and at least one processor configured to execute the instructions to perform one or more operations, the operations including: receiving a transaction associated with a merchant on a list of merchants stored in the at least one memory; determining, based on the merchant, a remote server associated with the merchant; assembling a data packet including an identifier of the contactless card and an identifier of the transaction; transmitting the data packet to the determined server across one or more computer networks; receiving confirmation from the determined sever in response to the data packet; and transmitting the confirmation to a user device associated with the transaction.

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Номер записи: 15
05-03-2020 дата публикации

BATTERY CHARGER FOR A TRANSACTION CARD

Номер: US20200074256A1
Автор: JOHNSON Molly, KOEPPEL Adam R., Locke Tyler, ZARAKAS James
Принадлежит:

Examples described herein describe a battery charger for a transaction card. According to some implementations, a charging device may detect a transaction card is received within a charging slot when an integrated circuit (IC) chip of the transaction card is in contact with a charging terminal; request a user device to provide power to charge the transaction card via the charging terminal, wherein the user device is communicatively coupled to the charging terminal; receive the power from the user device; and provide the power to the transaction card to charge a battery of the transaction card. 1. A method , comprising:detecting, by a charging device, a transaction card is received within a charging slot; 'wherein the user device is communicatively coupled to the charging device via a charging jack;', 'requesting, by the charging device, a user device to transfer power to charge the transaction card,'}receiving, by the charging device, power from a power source of the user device; andusing, by the charging device, the received power to transfer power to a power source of the transaction card.2. The method of claim 1 , wherein detecting the transaction card is received with the charging slot comprises:detecting that a conductive contact of the transaction card is in contact with a charging terminal of the charging device.3. The method of claim 2 , wherein the conductive contact of the transaction card is included in an integrated circuit (IC) chip.4. The method of claim 1 , wherein detecting the transaction card is received within the charging slot comprises:detecting a change in resistance between a supply contact and a ground contact of a charging terminal of the charging device.5. The method of claim 1 , further comprising:determining an amount of power remaining in the power source of the transaction card; andprevent power transfer between the power source of the user device and the power source of the transaction card based on the amount of power remaining in the ...

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Номер записи: 16
05-03-2020 дата публикации

ANTENNA FORMED USING LASER PLATING OR PRINT-AND-PLATING FOR FIELD-POWERED SHORT RANGE COMMUNICATIONS

Номер: US20200074264A1
Автор: Koeppel Adam, Locke Tyler
Принадлежит:

A method of fabricating a transaction card for communicating data relating to a transaction may include forming a pattern in a plastic film using a laser plating process or a print-and-plate process; providing a conductive material in the pattern formed in the plastic film, using a plating process, to form a RF antenna layer in the plastic film, wherein the RF antenna layer includes a RF antenna; and affixing the plastic film to a surface of the transaction card to permit the RF antenna to inductively connect to a printed circuit board (PCB) of the transaction card. 1. A method of fabricating a transaction card having a printed circuit board (PCB) and a surface for communicating data relating to a transaction , comprising: 'a graphical layer comprising the RF antenna layer and an RF antenna; and', 'forming a radio frequency (RF) antenna layer by a laser plating process or a print-and-plate process,'}affixing the RF antenna layer to the surface of the transaction card such that the RF antenna is inductively connectable to the PCB of the transaction card.2. The method of claim 1 , where the PCB comprises an antenna trace.3. The method of claim 2 , where the antenna trace is inductively connectable to the RF antenna.4. The method of claim 1 , where the laser plating process comprises a laser deposition process.5. The method of claim 1 , where the print-and-plate process comprises:utilizing an ink to create a pattern in the graphical layer, andproviding a conductive material in the pattern.6. The method of claim 1 , where forming the RF antenna layer comprises:forming the RF antenna layer on or within the graphical layer after affixing the graphical layer to the surface of the transaction card.7. The method of claim 1 , where affixing the RF antenna layer to the surface of the transaction card comprises: a laminate layer, or', 'an adhesive layer., 'affixing the RF antenna layer to the surface of the transaction card using at least one of8. A transaction card claim 1 , ...

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Номер записи: 17
31-03-2022 дата публикации

Secure countless payment method and device with movement-activated electronic circuitry

Номер: US20220101079A1
Автор: Adam R. Koeppel, Tyler LOCKE
Принадлежит: Capital One Services LLC

A contactless payment device including a wireless communication device; a power source; a processor coupled to the power source; an accelerometer communicatively coupled to the processor and the power source; and an actuator communicatively coupled to the wireless communication device and the processor. The actuator is configured to activate the wireless communication device when the actuator is set in a closed state, and deactivate the wireless communication device when the actuator is set in an open state, The processor is configured to receive an incoming signal from the accelerometer; determine whether the incoming signal corresponds to a pre-programmed signal corresponding to an enabling gesture; and set the actuator in the dosed state for a time interval, when the incoming signal corresponds to the enabling gesture.

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Номер записи: 18
31-03-2022 дата публикации

SYSTEMS AND METHODS FOR TRANSLATING A GESTURE TO INITIATE A FINANCIAL TRANSACTION

Номер: US20220101285A1
Автор: Koeppel Adam, Locke Tyler Sylvain, Wurmfeld David K.
Принадлежит:

Systems and methods for initiating and/or facilitating a financial transaction in response to detecting and translating a spatial gesture may be provided. A payor transaction device may be capable of detecting, via a motion-detecting device, a payor spatial gesture corresponding to a payment gesture of one or more predetermined spatial gestures and, responsive to detecting the payor spatial gesture, receiving payee account information from a payee transaction device. The payor transaction device may also be capable of transmitting, to a payor computing device, transaction data comprising the payee account information and data indicative of the payor spatial gesture. The payor computing device may be capable of transmitting at least a portion of the transaction data to a financial service provider terminal to enable the financial service provider terminal to facilitate the requested transaction. 1. A payor transaction device for conducting gesture-based transactions using an associated payor financial account , the payor transaction device comprising:a processor;a motion-detecting device;{'claim-text': ['detect, via the motion-detecting device, a waking spatial gesture;', 'responsive to detecting a waking spatial gesture by the motion detecting device and determining that a payee transaction device is within a predetermined proximity of the payor transaction device in a sleep mode configured only for detecting the waking spatial gesture and determining that the payee transaction device is within the predetermined proximity of the payor transaction device, transition from the sleep mode to a ready mode configured for detecting one or more predetermined spatial gestures within a predetermined time threshold;', {'claim-text': ['initiate a transfer of funds from the payor financial account to a payee financial account in response to detecting the first payor spatial gesture, wherein the first payer spatial gesture corresponds to an initiate-payment gesture of the one or ...

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Номер записи: 19
12-03-2020 дата публикации

DYNAMIC TRANSACTION CARD PROTECTED BY GESTURE AND VOICE RECOGNITION

Номер: US20200082380A1
Автор: Locke Tyler, Wurmfeld David, ZARAKAS James
Принадлежит:

A dynamic transaction card that includes a number of layers, each of which may be interconnected to one another, is disclosed. The dynamic transaction card may include an outer layer, a potting layer, a sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV™ chip, an energy storage component, one or more antennas (e.g., Bluetooth antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer. The dynamic transaction card may be activated by authenticating the card user through user authentication input recognition, which may be gesture and/or voice recognition processing. 1. A dynamic transaction card comprising:an antenna to send and receive wireless communications;a microcontroller; and receive, at the antenna, a first signal including a first activation gesture from a mobile device;', 'authenticate, by the microcontroller, a user of the dynamic transaction card based on a first match between a first card gesture performed with the dynamic transaction card and the first activation gesture, the first activation gesture and the first card gesture comprising an altered orientation and/or position of the dynamic transaction card; and', 'activate, by the microcontroller, the dynamic transaction card based on the first match., 'memory storing instructions that, when executed, cause the dynamic transaction card to2. The dynamic transaction card of claim 1 , further comprising:a secure payment chip;wherein the dynamic transaction card is activated by activating the secure payment chip.3. The dynamic transaction card of claim 1 , further comprising:a touchscreen display;wherein the first activation gesture and the first card gesture further comprise a tap, long press, flick, scroll, and/or pinch.4. The dynamic transaction card of claim 1 , wherein the ...

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Номер записи: 20
12-03-2020 дата публикации

SYSTEM, METHOD, AND APPARATUS FOR WIRELESS CHARGING

Номер: US20200083758A1
Автор: Koeppel Adam, Locke Tyler, Wurmfeld David
Принадлежит:

Using inductive currents to wirelessly charge a device via a device connected to a power source. This inductive charging may result when a first mobile device recognizes a second mobile device via a wireless connection (e.g., Bluetooth, Bluetooth Low Energy (BLE), Near-Field Communication (NFC), or the like). An application stored on the first mobile device may recognize a second mobile device by transmitting an advertising packet when the first mobile device is connected to a power source. An advertising packet may be received by the second mobile device and the second mobile device may transmit a response to the advertising packet in order to generate a connection between the first and second mobile devices. The response may include data such as, connection strength, response time, connection preferences, and the like. Upon detection and connection, the second mobile device may be wirelessly charged by the first device via inductive charging. 1. A method comprising:transmitting, via a Near-Field Communications (NFC) antenna of a transaction card, an advertising packet from an electronic transaction card to a mobile device associated with an account holder of the transaction card;receive, via the NFC antenna, a response from the mobile device including a first frequency of energy transmission and distance data;determine, with a microprocessor of the transaction card, a distance between the transaction card and the mobile device based on the distance data;determine, with the microprocessor, a second frequency of energy transmission based on the first frequency and the distance; andbroadcast, via the NFC antenna, a first signal to the mobile device at the second frequency to charge the mobile device via inductive charging.2. The method of claim 1 , wherein the response from the mobile device includes at least one of the following: connection strength claim 1 , response time claim 1 , or connection preferences.3. The method of claim 1 , wherein the response from the ...

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Номер записи: 21
12-05-2022 дата публикации

DYNAMIC TRANSACTION CARD PROTECTED BY MULTI-FACTOR AUTHENTICATION

Номер: US20220147992A9
Автор: Kelly Kevin P., Locke Tyler
Принадлежит:

A dynamic transaction card comprising an outer surface, a sensor, and a display disposed on the outer surface is disclosed. The dynamic transaction card can include an antenna and a microcontroller controlling a dynamic transaction card application. The dynamic transaction card can also include a secure payment chip having a plurality of contact points and storing a passive tag associated with a user. The passive tag can include a unique identifier and one or more log-in credentials for the user. When making a purchase, the user can be authenticated via a connection between the dynamic transaction card and a user device. The unique identifier can be used as an authentication token and the one or more log-in credentials can be verified against log-in credentials associated with the user. 1. A dynamic transaction card , comprising:an outer surface;a sensor comprising a first material to enable the outer surface to act as the sensor;a display disposed on the outer surface and in communication with the sensor, the display comprising a plurality of light-emitting diodes (LEDs);a secure payment chip comprising a plurality of contact points accessible from the outer surface; a unique identifier associated with a user; and', 'one or more log-in credentials for the user;, 'a passive tag stored in the secure payment chip, the passive tag comprisingan antenna; and receive, at the antenna, a request from a user device to authenticate the user of the user device, wherein the user has logged in to the user device using the one or more log-in credentials;', 'create, with the antenna, a wireless connection between the dynamic transaction card and the user device;', 'evaluate, with the sensor, the wireless connection between the dynamic transaction card and the user device.', 'display, on the display, an alert indicative of the wireless connection;', 'compare, with the microcontroller, the one or more log-in credentials received from the user device to the one or more log-in ...

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Номер записи: 22
06-04-2017 дата публикации

TAMPER-RESISTANT TRANSACTION CARD AND METHOD OF PROVIDING A TAMPER-RESISTANT TRANSACTION CARD

Номер: US20170098150A1
Автор: KELLY Kevin, Locke Tyler, Markson Theodore, SANGI Saleem, Wurmfeld David, ZARAKAS James
Принадлежит:

A dynamic transaction card that is manufactured using conductive plastic jumpers that will dissolve when in contact with a solvent used to tamper with the dynamic transaction card. Internal components of a dynamic transaction card may be manufactured using a synthetic or semi-synthetic organic material, such as, for example, plastics. These materials may be conductive to provide functionality to a dynamic transaction card, such as a connection between an integrated circuit and other card components such that when the materials dissolve, the connections are broken and the dynamic transaction card may be inactive due to the loss of various connections. 1. A dynamic transaction card comprising:an outer layer comprising a plastic material;electrical components; the connector is constructed from a conductive, dissolvable material;', 'the connector is arranged in a sequence, wherein the dynamic transaction card will look for the sequence to activate the card; and', 'upon dissolving the outer layer using a solvent, the at least one connector is dissolved to break the connection between the electrical components and the sequence deactivate the dynamic transaction card., 'at least one connector between the electrical components, wherein2. The dynamic transaction card of claim 1 , wherein the electrical components comprise an integrated circuit claim 1 , power supply claim 1 , power management component claim 1 , microprocessor claim 1 , microcontroller claim 1 , and/or a EuroPay-MasterCard-Visa (EMV) chip.3. The dynamic transaction card of claim 2 , wherein the connector connects the integrated circuit to the power supply and/or power management component.4. The dynamic transaction card of claim 2 , wherein the connector connects the microprocessor and/or microcontroller to the power supply and/or power management component.5. The dynamic transaction card of claim 1 , wherein the plastic material comprises polyethylene terephthalate claim 1 , polyethylene claim 1 , high- ...

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Номер записи: 23
20-04-2017 дата публикации

System and methods for secure firmware validation

Номер: US20170109532A1
Автор: Brennon YORK, David Wurmfeld, James ZARAKAS, Tyler LOCKE
Принадлежит: Capital One Services LLC

An electronic device, such as a dynamic transaction card having an EMV chip, that acts as a TPM having a memory, an applet, and a cryptographic coprocessor performs secure firmware and/or software updates, and performs firmware and/or software validation for firmware and/or software that is stored on the electronic device. Validation may compare a calculated checksum with a checksum stored in EMV chip memory. If a checksum calculated for firmware and/or a software application matches a checksum stored in EMV chip memory of the transaction card, the transaction card may operate normally. If a checksum calculated for firmware and/or a software application does not match a checksum stored in EMV chip memory of the transaction card, the transaction card may freeze all capabilities, erase the memory of the transaction card, display data indicative of a fraudulent or inactive transaction card, and/or the like.

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Номер записи: 24
20-04-2017 дата публикации

DYNAMIC TRANSACTION CARD ANTENNA MOUNTING

Номер: US20170109620A1
Автор: Koeppel Adam, Locke Tyler, Markson Theodore, Wurmfeld David
Принадлежит:

A dynamic transaction card that includes a transaction card having a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer protective layer, a core layer, a potting layer, a touch sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV™ chip, an energy storage component, one or more antennas (e.g., Bluetooth™ antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer, which may include a back protective layer. The antennas may be mounted on the protective layers, which may be laminated to the core layer, and connected to the core layer onto a printed circuit board (PCB) using conductive epoxies. 1. A dynamic transaction card comprising:an outer protective layer having an outer edge;a core layer containing components of the dynamic transaction card;a card backing having an outer edge, wherein the card backing outer edge and the outer protective layer are connected to one another along the respective outer edges to form a casing for the core layer; andan antenna mounted on the outer protective layer; 'a EuroPay-Mastercard-Visa (EMV™) chip comprising an EMV™ plate accessible from the outer protective layer and an EMV™ processor;', 'wherein the components of the dynamic transaction card includean energy storage component to power the dynamic transaction card; anda printed circuit board (PCB) to provide integration between the components of the dynamic transaction card; andwherein the antenna is connected to the core layer onto the PCB via a conductive path.2. The dynamic transaction card of claim 1 , wherein the antenna comprises a Near-Field Communication (NFC) antenna claim 1 , a Bluetooth™ antenna claim 1 , a Bluetooth™ Low Energy (BLE) antenna claim 1 , a WiFi Direct ...

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Номер записи: 25
20-04-2017 дата публикации

System, method, and apparatus for a dynamic transaction card

Номер: US20170109729A1
Автор: Adam Koeppel, Brian BRIGGMAN, David Wurmfeld, James ZARAKAS, Karla ESCALANTE, Kevin Kelly, Saleem SANGI, Theodore Markson, Tyler LOCKE
Принадлежит: Capital One Services LLC

A dynamic transaction card that includes a transaction card having a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a touch sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV chip, an energy storage component, one or more antenna (e.g., Bluetooth antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer.

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Номер записи: 26
20-04-2017 дата публикации

DYNAMIC TRANSACTION CARD PROTECTED BY DROPPED CARD DETECTION

Номер: US20170109730A1
Автор: KELLY Kevin, Koeppel Adam, Locke Tyler, Wurmfeld David, ZARAKAS James
Принадлежит:

A dynamic transaction card that includes a transaction card having a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a sensor layer that may detect and identify a card free fall and/or subsequent impact, which may trigger a microcontroller to send a mobile notification to a cardholder notifying the user that the card has been dropped, and/or may disable or deactivate the card and/or a user account associated with the card, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV™ chip, an energy storage component, one or more antenna (e.g., Bluetooth™ antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer. 1. A dynamic transaction card comprising:an outer protective layer having an outer edge;a card backing having an outer edge, wherein the card backing outer edge and the outer protective layer are connected to one another along the respective outer edges to form a casing for the components of the dynamic transaction card; a EuroPay-MasterCard-via (EMV™) chip comprising an EMV™ plate accessible from the outer protective layer and an EMV™ processor;', 'a microcontroller;', 'at least one sensor that detects indicators of the dynamic transaction card, wherein the inputs cause input data to be transmitted to the microcontroller, and wherein the microcontroller processes the input data to detect whether the dynamic transaction card has been dropped;', 'an antenna comprising a Near-Field Communication (NFC) antenna, a Bluetooth™ antenna, a Bluetooth™ Low Energy (BLE) antenna, a WiFi Direct antenna, and/or a radio-frequency identification (RFID) antenna; and', 'an energy storage component to power the dynamic transaction card;, 'wherein the components of the ...

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Номер записи: 27
20-04-2017 дата публикации

System, method, and apparatus for a dynamic transaction card

Номер: US20170109743A1
Автор: Adam Koeppel, Brian BRIGGMAN, David Wurmfeld, James ZARAKAS, Karla ESCALANTE, Kevin Kelly, Saleem SANGI, Theodore Markson, Tyler LOCKE
Принадлежит: Capital One Services LLC

A dynamic transaction card that includes a transaction card having a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a touch sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV chip, an energy storage component, one or more antenna (e.g., Bluetooth antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer.

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Номер записи: 28
18-04-2019 дата публикации

SYSTEM, METHOD, AND APPARATUS FOR A DYNAMIC TRANSACTION CARD

Номер: US20190114623A1
Автор: Locke Tyler, Wurmfeld David
Принадлежит:

A dynamic transaction card that includes a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller/microprocessor storing firmware, Java applets, Java applet integration, and the like, an EMV processor, an energy storage component, one or more antenna (e.g., Bluetooth antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer. A display layer may include enhanced features such as the use of display components as a barcode generator. 1. A dynamic transaction card comprising:a sensor that detects an input of the dynamic transaction card;an application that is account-provider specific and includes instructions to generate a display upon receiving input from the sensor;an EMV processor in communication with a microprocessor, wherein the microprocessor receives application data from the one or more applications and activates a display component via a display driver;the display component comprising one or more LED lights, wherein the one or more LED lights generate a barcode using constructive interference to generate an analog wave that may be read by a barcode reader;an energy storage component to power the dynamic transaction card.2. The dynamic transaction card of claim 1 , wherein the LED lights are individually driven at different frequencies such that a light wave generated from each LED light constructively interferes with light waves generated by the other LED lights.3. The dynamic transaction card of claim 1 , wherein the LED lights are pulsed at different time intervals from each other such that a light wave generated from each LED light constructively interferes with light waves generated by the other LED lights.4. The dynamic transaction card of claim 1 , ...

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Номер записи: 29
25-08-2022 дата публикации

UTILIZING A TRANSACTION CARD TO PROVIDE SECONDARY AUTHENTICATION FOR ACCESSING A SECURE APPLICATION WITH A USER DEVICE

Номер: US20220270083A1
Автор: JOHNSON Molly, Koeppel Adam, Locke Tyler, Perry Robert, ZARAKAS James
Принадлежит:

A transaction card includes a near-field communication (NFC) component, a security component, a wireless component, one or more memories, and one or more processors communicatively coupled to the one or more memories. The device receives a signal from a user device attempting to access a secure application, and energizes the NFC component based on the signal received from the user device. The device causes the security component to generate an encrypted code based on the NFC component being energized, and provides, via the security component, the encrypted code to the wireless component. The device provides, via the wireless component, the encrypted code to the user device to permit the user device to utilize the encrypted code as authentication for accessing the secure application. 1. A transaction card , comprising: detect a gesture with the transaction card;', 'store, based on detecting the gesture with the transaction card, energy from a first device;', 'energize a near-field communication (NFC) component of the transaction card using the stored energy based on detecting the gesture of the transaction card;', 'generate an encrypted code based on the NFC component being energized; and', 'the encrypted code being provided to a second device, via the first device, for verification.', 'provide the encrypted code to the first device,'}], 'one or more hardware components configured to2. The transaction card of claim 1 , wherein the encrypted code is associated with two factor authentication.3. The transaction card of claim 1 , wherein a sensor component claim 1 , of the one or more hardware components claim 1 , is configured to:detect the gesture with the transaction card.4. The transaction card of claim 1 , wherein a sensor component claim 1 , of the one or more hardware components claim 1 , is configured to:provide an instruction, to the NFC component, that causes the NFC component to be energized.5. The transaction card of claim 4 , wherein the NFC component is ...

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Номер записи: 30
16-04-2020 дата публикации

TOKENIZING A PRIMARY ACCOUNT NUMBER PRIOR TO TRANSMISSION TO A TERMINAL

Номер: US20200118115A1
Автор: Locke Tyler, ZARAKAS James
Принадлежит:

In some implementations, a transaction card may receive transaction data from a transaction terminal based on initiation of a transaction with the transaction terminal; generate a tokenized primary account number, for use with the transaction, based on the transaction data and an actual primary account number of the transaction card; and transmit the tokenized primary account number to the transaction terminal for processing the transaction. 1. A method , comprising: 'the combined tokenized primary account number being based on a first tokenized primary account number associated with a first set of parameters that may change across transactions and a second tokenized primary account number that does not change across transactions;', 'receiving, by a device and from a transaction terminal, a combined tokenized primary account number associated with a transaction card, one or more payment credentials associated with the transaction card, a merchant code, and transaction data associated with a transaction,'}determining, by the device, an actual primary account number of the transaction card based on the combined tokenized primary account number and the merchant code;determining, by the device, whether the transaction is authorized based on the actual primary account number and the one or more payment credentials; andtransmitting, by the device and to the transaction terminal, a result of determining whether the transaction was authorized.2. The method of claim 1 , wherein the first tokenized primary account number is associated with a single-use tokenized primary account number.3. The method of claim 2 , wherein the single-use tokenized primary account number is reusable during a particular period of time.4. The method of claim 1 , wherein the first tokenized primary account number is generated to have a same format as the actual primary account number.5. The method of claim 1 , wherein the second tokenized primary account number is associated with a multi-use ...

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Номер записи: 31
23-04-2020 дата публикации

DYNAMIC TRANSACTION CARD ANTENNA MOUNTING

Номер: US20200125914A1
Автор: Koeppel Adam, Locke Tyler, Markson Theodore, Wurmfeld David
Принадлежит:

A dynamic transaction card that includes a transaction card having a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include a protective film layer, an outer protective layer, a core layer, a potting layer, a touch sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV™ chip, an energy storage component, one or more antennas (e.g., Bluetooth™ antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer, which may include a back protective layer. The antennas may be mounted on the protective film layer and connected to the printed circuit board (PCB) using conductive epoxies. 1. A protective film layer for a dynamic transaction card comprising:a first surface attachable to an outer layer of the dynamic transaction card;a second surface opposite the first surface; anda first antenna disposed on one of the first surface or the second surface of the protective film layer and in electrical communication with a printable circuit board (PCB) of the dynamic transaction card.2. The protective film layer for a dynamic transaction card of claim 1 , further comprising an antenna trace layout disposed on the one of the first surface or the second surface of the protective film layer to house the first antenna.3. The protective film layer for a dynamic transaction card of claim 2 , wherein the antenna trace layout is etched into the one of the first surface or the second surface of the protective film layer.4. The protective film layer for a dynamic transaction card of claim 2 , wherein the first antenna is a conductive material sputtered onto the antenna trace layout.5. The protective film layer for a dynamic transaction card of claim 1 , wherein the first antenna comprises a conductive ink ...

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Номер записи: 32
23-04-2020 дата публикации

SYSTEMS AND METHODS FOR MULTICOMPUTER DATA TRANSFERRING TO ACTIVATE CONTACTLESS COMMUNICATION

Номер: US20200126074A1
Автор: JOHNSON Molly, KELLY Kevin, Koeppel Adam, Locke Tyler, Perry Robert, SANGI Saleem, ZARAKAS James
Принадлежит: Capital One Services, LLC

The present disclosure relates to systems and methods for using multicomputer data transferring to active contactless communication. In one example, such a system may include at least one memory storing instructions and at least one processor configured to execute the instructions to perform one or more operations, the operations including: receiving a transaction associated with a merchant on a list of merchants stored in the at least one memory; determining, based on the merchant, a remote server associated with the merchant; assembling a data packet including an identifier of the contactless card and an identifier of the transaction; transmitting the data packet to the determined server across one or more computer networks; receiving confirmation from the determined sever in response to the data packet; and transmitting the confirmation to a user device associated with the transaction. 1. A system for using multicomputer data transferring to activate a contactless device , the system comprising:at least one network controller;at least one processor; receiving, from a point of sales device, a transaction associated with a merchant on a list of merchants stored in the at least one memory, wherein the list of merchants comprises at least one merchant identifier including a merchant identifier;', 'determining, based on the merchant identifier, a remote server associated with the merchant;', 'assembling a data packet to include an identifier of the contactless device and an identifier of the transaction;', 'encrypting the data packet using an encryption key;', 'transmitting the encrypted data packet to the determined remote server across one or more computer networks;', 'receiving a confirmation from the determined remote server in response to the encrypted data packet, wherein the confirmation comprises an indication that the determined remote server authorized the contactless device; and', 'transmitting the confirmation to the contactless device, wherein ...

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Номер записи: 33
23-04-2020 дата публикации

TRANSACTION DEVICE CAPABLE OF MANAGING AND ROUTING POWER FROM AN EXTERNAL POWER SOURCE

Номер: US20200127705A1
Автор: Koeppel Adam, Locke Tyler
Принадлежит:

A transaction device may include a power reception component configured to receive power from an external device with which the transaction device is to interact to perform a transaction. The transaction device may include a secure element configured to perform the transaction using the power received from the external device. The transaction device may include one or more peripheral components configured to perform one or more operations other than the transaction. The transaction device may include a power management component configured to determine at least one operation, of the one or more operations, to be performed in association with the transaction, and to route power received from the external device to at least one peripheral component, of the one or more peripheral components, capable of performing the at least one operation. 1. A method comprising:determining, by a transaction device, an amount of power available;determining, by the transaction device, that the amount of power satisfies a first threshold;determining, by the transaction device, that the amount of power does not satisfy a second threshold; androuting, by the transaction device and based on determining that the amount of power satisfies the first threshold and based on determining that the amount of power does not satisfy the second threshold, at least a portion of the amount of power.2. The method of claim 1 , where determining the amount of power available comprises:determining the amount of power available after a transaction is performed.3. The method of claim 1 , where routing at least the portion of the amount of power comprises:routing at least the portion of the amount of power to a peripheral component of the transaction device based on determining that the amount of power satisfies the first threshold.4. The method of claim 1 , further comprising:preventing power from being routed to a peripheral component of the transaction device based on determining that the amount of power ...

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Номер записи: 34
30-04-2020 дата публикации

CONFIGURING A SET OF APPLETS ON A BATTERY-LESS TRANSACTION CARD

Номер: US20200134411A1
Автор: JOHNSON Molly, Koeppel Adam, Locke Tyler, ZARAKAS James
Принадлежит:

A transaction card may power on the transaction card using electric current induced from an interaction of the transaction card with an electromagnetic field. The transaction card may establish a communication with a device. The communication may indicate that the transaction card has powered. The transaction card may receive, from the device, a set of instructions to configure a set of applets on the transaction card after notifying the device that the transaction card has powered on. The set of applets to be configured may be related to completing one or more different transactions. The set of applets to be configured may be different than another set of applets already configured on the transaction card. The transaction card may configure the set of applets on the transaction card according to the set of instructions after receiving the set of instructions. 1. A method , comprising:determining, by a transaction card, that a particular applet associated with completing a transaction is not configured on the transaction card;transmitting, by the transaction card and based on determining that the particular applet is not configured on the transaction card, a request for the particular applet; andreceiving, by the transaction card, from a device, and based on transmitting the request, the particular applet.2. The method of claim 1 , wherein receiving the particular applet comprises:receiving one or more of a program code, a program file, or an installation file associated with the particular applet.3. The method of claim 1 , wherein the device is a first device; and 'communicatively coupling with a second device to complete the transaction; and', 'wherein the method further comprises 'determining, based on communicatively coupling with the second device, that the particular applet is not configured on the transaction card.', 'wherein determining that the particular applet is not configured on the transaction card comprises4. The method of claim 1 , wherein ...

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Номер записи: 35
30-04-2020 дата публикации

REMOTE COMMANDS USING NETWORK OF TRUST

Номер: US20200134599A1
Автор: EMMOTT Kevan, ILINCIC Rajko, JOHNSON Molly, KOEPPEL Adam R., Locke Tyler, ZARAKAS James
Принадлежит: Capital One Services, LLC

A device may include a processor, a wireless transceiver in communication with the processor, and a non-transitory memory. The memory may store instructions that, when executed by the processor, cause the processor to perform processing. The processing may include receiving a command configured to be executed by an external user device. The external user device and the user device may be members of a network of trust. The processing may include detecting, by the wireless transceiver, a plurality of member devices of the network of trust in communication range of the device. The processing may include sending, by the wireless transceiver, the command to each of the plurality of member devices. 1. A user device comprising:a processor;a wireless transceiver in communication with the processor; and receiving a command configured to be executed by an external user device, the external user device and the user device being members of a network of trust;', 'detecting, by the wireless transceiver, a plurality of devices in communication range of the device, the plurality of devices including at least one additional device different from the user device and the external user device;', sending, by the wireless transceiver, a challenge to the one of the plurality of devices in response to the detecting;', 'receiving, by the wireless transceiver, an external user device identifier from the one of the plurality of devices in response to the challenge;', 'receiving, by the wireless transceiver, a second challenge from the one of the plurality of devices;', 'generating a response by processing the second challenge;', 'sending, by the wireless transceiver, the response to the one of the plurality of devices in response to the second challenge;', 'receiving, by the wireless transceiver, a confirmation of receiving the external user device identifier from the one of the plurality of devices;', 'in response to receiving the external user device identifier and the confirmation, ...

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Номер записи: 36
30-04-2020 дата публикации

NETWORK OF TRUST FOR BILL SPLITTING

Номер: US20200134600A1
Автор: JOHNSON Molly, KOEPPEL Adam R., Locke Tyler, ZARAKAS James
Принадлежит: Capital One Services, LLC

A device may include a processor, a wireless transceiver in communication with the processor, and a non-transitory memory. The memory may store instructions that, when executed by the processor, cause the processor to perform processing. The processing may include sending, by the wireless transceiver, a request to share a transaction to at least one external user device in communication range of the device. The processing may include receiving, at the wireless transceiver, at least one sharing confirmation from the at least one external user device. The processing may include generating a transaction request. The transaction request may include data describing the transaction and a transaction portion to be paid by an account associated with the device. The processing may include sending the transaction request to a transaction service for fulfillment. 1. A device configured to perform bill splitting with at least one external user device , the device comprising:a processor;a wireless transceiver in communication with the processor; and detecting, using the wireless transceiver, at least one external user device in communication range of the device;', 'sending, by the wireless transceiver, a challenge to the at least one external user device in response to the detecting;', 'receiving, by the wireless transceiver, at least one external user device identifier from the at least one external device in response to the challenge;', 'receiving, by the wireless transceiver, a second challenge from the at least one external user device;', 'generating a response by processing the second challenge;', 'sending, by the wireless transceiver, the response to the at least one external device in response to the second challenge;', 'receiving, by the wireless transceiver, a confirmation of receiving the at least external user device identifier from the at least one external user device;', 'in response to receiving the at least one external user device identifier and the confirmation, ...

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Номер записи: 37
10-06-2021 дата публикации

Dynamic transaction card protected by multi-factor authentication

Номер: US20210174363A1
Автор: Kevin P. Kelly, Tyler LOCKE
Принадлежит: Capital One Services LLC

A dynamic transaction card comprising an outer surface, a sensor, and a display disposed on the outer surface is disclosed. The dynamic transaction card can include an antenna and a microcontroller controlling a dynamic transaction card application. The dynamic transaction card can also include a secure payment chip having a plurality of contact points and storing a passive tag associated with a user. The passive tag can include a unique identifier and one or more log-in credentials for the user. When making a purchase, the user can be authenticated via a connection between the dynamic transaction card and a user device. The unique identifier can be used as an authentication token and the one or more log-in credentials can be verified against log-in credentials associated with the user.

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Номер записи: 38
16-05-2019 дата публикации

ACTIVATING AN OUTPUT COMPONENT TO INDICATE AN ORIENTATION OF A NEAR-FIELD COMMUNICATION (NFC)-CAPABLE TRANSACTION CARD

Номер: US20190147203A1
Автор: Koeppel Adam, Locke Tyler, Wurmfeld David Kelly
Принадлежит:

A transaction card may monitor an amount of electric current induced in a first near-field communication (NFC) component of a transaction card. Electric current may be induced in the first NFC component when the first NFC component is within an electromagnetic field generated by a second NFC component of a transaction terminal. The transaction card may dynamically activate one or more output components associated with the transaction card based on the amount of electric current induced in the first NFC component. The one or more output components may indicate whether the transaction card can communicate with the transaction terminal. The transaction card may perform an action related to completing a transaction after determining that the amount of electric current induced in the NFC component satisfies a first threshold. The first threshold may indicate that the transaction card can communicate with the transaction terminal. 1. A transaction card , comprising: [ 'an amount of electric current induced in the first NFC component being indicative of a strength of coupling between the first NFC component and the second NFC component;', 'detect an electric current induced in the first NFC component when the first NFC component is within an electromagnetic field generated by a second NFC component of another device,'}, 'trigger a first sensory output of the one or more sensory outputs of the one or more output components based on a first amount of electric current induced in the first NFC component; and', the first sensory output and the second sensory output being different, and', 'the first sensory output and the second sensory output being configured to indicate a change in the strength of coupling based on a change between the first amount of electric current and the second amount of electric current., 'trigger a second sensory output of the one or more sensory outputs of the one or more output components based on a second amount of electric current induced in the ...

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Номер записи: 39
01-06-2017 дата публикации

DYNAMIC TRANSACTION CARD PROTECTED BY GESTURE AND VOICE RECOGNITION

Номер: US20170154328A1
Автор: Locke Tyler, Wurmfeld David, ZARAKAS James
Принадлежит:

A dynamic transaction card that includes a transaction card having a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a sensor layer that may be utilized to activate a dynamic transaction card by authenticating the card user as authorized to use the card through user authentication input recognition, which may be gesture and voice recognition processing, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV™ chip, an energy storage component, one or more antenna (e.g., Bluetooth™ antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer. 1. A dynamic transaction card comprising:an outer protective layer having an outer edge;a card backing having an outer edge, wherein the card backing outer edge and the outer protective layer are connected to one another along the respective outer edges to form a casing for the components of the dynamic transaction card; a EuroPay-MasterCard-via (EMV™) chip comprising an EMV™ plate accessible from the outer protective layer and an EMV™ processor;', 'a microcontroller;', 'a magnetic stripe storing tracks of data that are utilized to conduct a transaction;', 'a sensor that detects an input of the dynamic transaction card, wherein the input causes input data to be processed to determine if the dynamic transaction card should be activated by comparing the input to an exemplar input;', 'an antenna comprising a Near-Field Communication (NFC) antenna, a Bluetooth™ antenna, a Bluetooth® Low Energy (BLE) antenna, a WiFi Direct antenna, and/or a radio-frequency identification (RFID) antenna;', 'a display component that is visible through or extends through the outer protective layer and includes a dot matrix display, one or more ...

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Номер записи: 40
24-06-2021 дата публикации

TAMPER-RESISTANT TRANSACTION CARD AND METHOD OF PROVIDING A TAMPER-RESISTANT TRANSACTION CARD

Номер: US20210192310A1
Автор: Kelly Kevin P., Locke Tyler, Markson Theodore, SANGI Saleem, Wurmfeld David, ZARAKAS James
Принадлежит:

A dynamic transaction card that is manufactured using conductive plastic jumpers that will dissolve when in contact with a solvent used to tamper with the dynamic transaction card. Internal components of a dynamic transaction card may be manufactured using a synthetic or semi-synthetic organic material, such as, for example, plastics. These materials may be conductive to provide functionality to a dynamic transaction card, such as a connection between an integrated circuit and other card components such that when the materials dissolve, the connections are broken and the dynamic transaction card may be inactive due to the loss of various connections. 1. A dynamic transaction card comprising:a microprocessor;a EuroPay-MasterCard-Visa (EMV) chip; anda first connector, comprising a first dissolvable material, positioned between the microprocessor and the EMV chip to provide a first electrical connection between the microprocessor and the EMV chip,wherein, when the first connector is dissolved with a solvent, the first electrical connection between the microprocessor and the EMV chip is interrupted and the dynamic transaction card is deactivated.2. The dynamic transaction card of claim 1 , wherein the first dissolvable material is an irreversibly cured polymer injected into a mold to form the first connector.3. The dynamic transaction card of claim 2 , wherein the first connector is manufactured using reaction injection molding.4. The dynamic transaction card of claim 2 , wherein the irreversibly cured polymer comprises a fiber or mica reinforcing agent.5. The dynamic transaction card of claim 1 , wherein the first dissolvable material comprises polyethylene terephthalate claim 1 , polyethylene claim 1 , high-density polyethylene claim 1 , polyvinyl chloride claim 1 , polyvinylidene chloride claim 1 , low-density polyethylene claim 1 , polypropylene claim 1 , polystyrene claim 1 , high impact polystyrene claim 1 , polyamides claim 1 , acrylonitrile butadiene styrene ...

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Номер записи: 41
14-05-2020 дата публикации

NETWORK OF TRUST WITH BLOCKCHAIN

Номер: US20200154518A1
Автор: EMMOTT Kevan, ILINCIC Rajko, JOHNSON Molly, KOEPPEL Adam R., Locke Tyler, ZARAKAS James
Принадлежит: Capital One Services, LLC

A device may include a processor, a wireless transceiver in communication with the processor, and a non-transitory memory. The memory may store instructions that, when executed by the processor, cause the processor to perform processing. The processing may include detecting, using the wireless transceiver, at least one external device in communication range of the device. The processing may include receiving, by the wireless transceiver, at least one external device identifier from the at least one external device. The processing may include verifying the at least one external device identifier. The verifying may include locating the at least one device identifier in a blockchain record of a transaction involving the at least one external device. The processing may include performing at least one transaction requiring the verified at least one external device identifier. 1. A method of performing a transaction comprising:detecting, by a processor of a device using a wireless transceiver of the device, at least one external device in communication range of the device;receiving, at the processor using the wireless transceiver, at least one external challenge message from the at least one external device, the at least one external challenge message including a first hashed value and a first indication of a block associated with the first hashed value in a blockchain;verifying, by the processor, the at least one external device identifier, the verifying including locating the first block of the blockchain indicated by the at least one external challenge message, hashing at least a portion of the data in the block associated with the first hashed value to generate a second hashed value, and determining that the first hashed value and the second hashed value match one another;identifying, by the processor, the device to the at least one external device, the identifying including sending at least one challenge message to the at least one external device and receiving a ...

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Номер записи: 42
28-06-2018 дата публикации

SMART CARD MULTI-FACTOR AUTHENTICATION DEVICE

Номер: US20180181958A1
Автор: KELLY Kevin, Locke Tyler
Принадлежит:

A dynamic transaction card may be paired with a user application executed on a user device card to facilitate multi-factor authentication of a user by utilizing the dynamic transaction card as a physical token. Various communication technologies may be utilized to create a connection between the dynamic transaction card and the user device application which may include wireless connections and physical connections. Validation information stored in a passive tag on the dynamic transaction card may be received by the user device application, which may evaluate the connection between the dynamic transaction card and the user device, log in credentials of the user, and user information stored in a digital security delivery storage to authenticate the user. This unique pairing of the dynamic transaction card and user device application may automatically facilitate a secure multi-factor authentication by utilizing the dynamic transaction card as a physical token. 1. A dynamic transaction card comprising:a secure payment chip that stores financial data;a payment processing microprocessor; and receive a request, from a user device application executed on a user device, to authenticate a user, wherein the user has logged in to the user device application;', 'create a connection between the dynamic transaction card and the user device application; and', 'provide, to the user device application responsive to the request to authenticate the user, user validation information stored in a passive tag of the dynamic transaction card, wherein the user validation information includes a unique identifier associated with the user and being configured to authenticate the user on the user device based on evaluation of the connection between the dynamic transaction card and the user device, log in credentials of the user wherein the user has logged in to the user device application, and a comparison of the user validation information with user information stored in a digital security ...

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Номер записи: 43
04-06-2020 дата публикации

SYSTEMS AND METHODS FOR HYBRID ENERGY HARVESTING FOR TRANSACTION CARDS

Номер: US20200177000A1
Автор: Locke Tyler, Wurmfeld David
Принадлежит: Capital One Services, LLC

Systems and methods for hybrid energy harvesting for transaction cards are disclosed. Embodiments include a transaction card comprising a data storage device configured to supply account information to a transaction card terminal, a primary rechargeable power source to allow recharging and further to receive charging energy from the transaction card terminal during a transaction using the card, a secondary rechargeable power source configured to receive energy from the first rechargeable power source, and a power controller configured to control a flow of energy between the first and second rechargeable power sources. 120-. (canceled)21. A transaction card , comprising:a data storage device configured to supply account information to a transaction card terminal;a first rechargeable power source configured to receive charging energy from the transaction card terminal during a transaction using the card;a second rechargeable power source configured to receive energy from the first rechargeable power source; and determine, in response to a request associated with the transaction, that the transaction card has sufficient power to complete the transaction prior to initiating the transaction; and', 'transmit, to an external device, an indication of an amount of energy stored in at least one of the first or second rechargeable power sources., 'a power controller configured to22. The transaction card of claim 21 , wherein the first rechargeable power source is configured to receive energy upon interaction of the card with the transaction card terminal.23. The transaction card of claim 21 , wherein the data storage device comprises one of a contact mode output component or a non-contact mode component.24. The transaction card of claim 21 , wherein the first rechargeable power source is configured to receive energy through at least one of electromagnetic induction claim 21 , inductive coupling claim 21 , or resonant inductive coupling.25. The transaction card of claim 21 , ...

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Номер записи: 44
05-07-2018 дата публикации

SMART CARD NFC SECURE MONEY TRANSFER

Номер: US20180189761A1
Автор: KELLY Kevin, Locke Tyler, Wurmfeld David
Принадлежит:

A secure method of real time money transferring between account holders utilizes Near Field Communication (NFC) technologies, dynamic transaction cards, and a mobile application to facilitate a seamless mobile transfer of funds. The dynamic transaction card of the customer requesting to make the transfer of funds may be placed in contact with the second recipient dynamic transaction card of the customer receiving the funds transfer to establish an NFC connection. The dynamic transaction card requesting the transfer may receive, via the NFC antenna on the card, the recipient customer account information stored on a passive NFC tag. The dynamic transaction card requesting the transfer may transmit the recipient account information to a mobile application, which may transmit the recipient account information to an account provider system for facilitating the funds transfer. 1. A dynamic transaction card comprising:a secure payment chip that stores financial data;a payment processing microprocessor; and receive, via a short range wireless communication network, a request, from a user application executed on a user device, to transfer funds from a first account associated with the dynamic transaction card to a second account associated with a second recipient dynamic transaction card;', 'enable an active communication mode on the dynamic transaction card;', 'contact the second recipient dynamic transaction card, wherein the second recipient dynamic transaction card enables an active communication mode and stores second recipient account information in a passive tag;', 'receive, via a connection between the dynamic transaction card and the second recipient dynamic transaction card, the second recipient account information stored in the passive tag; and', the user application transmits the second account information to an account provider system over a mobile network or WiFi; and', 'the account provider system transfers the requested funds from the first account to the ...

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Номер записи: 45
05-07-2018 дата публикации

DYNAMIC TRANSACTION CARD WITH EMV INTERFACE AND METHOD OF MANUFACTURING

Номер: US20180190060A1
Автор: Koeppel Adam, Locke Tyler, Wurmfeld David
Принадлежит:

A dynamic transaction card with EuroPay-Mastercard-Visa (“EMV”) technology that includes an EMV interface connecting EMV contacts and an EMV processor to enable a multifunctional dynamic transaction card. A method of manufacturing a dynamic transaction card with an EMV interface connecting EMV contacts and an EMV processor. A dynamic transaction card with an EMV interface may be manufactured using a separate printed circuit board (PCB) layout with EMV contact patterns placed into the top surface of a molding to create the dynamic transaction card. The edges of the EMV contact patterns would be incorporated through holes, which are trimmed to scallops, to allow for surface mounting. The EMV interface may then include a connection between the EMV contact patterns and the EMV microprocessor such that the EMV microprocessor does not have to be placed directly beneath the EMV contact patterns. 1. A dynamic transaction card comprising:a top surface layer having a EuroPay-MasterCard-Visa (“EMV”) contact pattern;a backing layer;an EMV microprocessor located between the top surface layer and the backing layer; andan EMV interface connecting the EMV contact pattern and the EMV microprocessor, wherein:the EMV contact pattern is not layered on top of the EMV microprocessor;and the EMV interface provides access to signals transmitted between the EMV microprocessor and an EMV terminal.2. The dynamic transaction card of claim 1 , wherein the EMV interface comprises conductive connections.3. The dynamic transaction card of claim 1 , wherein the EMV contact pattern interacts with an EMV terminal configured to read the EMV microprocessor.4. The dynamic transaction card of claim 1 , wherein the top surface layer is constructed out of polyethylene terephthalate claim 1 , polyethylene claim 1 , high-density polyethylene claim 1 , polyvinyl chloride claim 1 , polyvinylidene chloride claim 1 , low-density polyethylene claim 1 , polypropylene claim 1 , polystyrene claim 1 , high impact ...

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Номер записи: 46
05-07-2018 дата публикации

SYSTEM, METHOD, AND APPARATUS FOR WIRELESS CHARGING

Номер: US20180191205A1
Автор: Koeppel Adam, Locke Tyler, Wurmfeld David
Принадлежит:

Using inductive currents to wirelessly charge a device via a device connected to a power source. This inductive charging may result when a first mobile device recognizes a second mobile device via a wireless connection (e.g., Bluetooth, Bluetooth Low Energy (BLE), Near-Field Communication (NFC), or the like). An application stored on the first mobile device may recognize a second mobile device by transmitting an advertising packet when the first mobile device is connected to a power source. An advertising packet may be received by the second mobile device and the second mobile device may transmit a response to the advertising packet in order to generate a connection between the first and second mobile devices. The response may include data such as, connection strength, response time, connection preferences, and the like. Upon detection and connection, the second mobile device may be wirelessly charged by the first device via inductive charging. 1. A system for wirelessly charging a mobile device , the system comprising: an energy storage component,', 'a Near-Field Communication (NFC) antenna connected to the energy storage component,', generate an advertising packet when the application receives a first signal that the energy storage component is connected to a power source;', 'transmit, via the NFC antenna, the advertising packet to a second device;', 'receive, via the NFC antenna, a response from the second device, wherein the response indicates that a connection is made between the first device and the second device, and wherein a frequency for energy transmission is determinable from the response;', 'generate a broadcast request to broadcast a second signal to the second device based on the received response; and', 'broadcast the signal via the NFC antenna, the second signal being based on the frequency determined from the response and configured to charge the second device via inductive charging., 'an application, that when executed, causes the first device to ...

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Номер записи: 47
11-06-2020 дата публикации

BATTERY CHARGER FOR A TRANSACTION CARD

Номер: US20200184295A1
Автор: JOHNSON Molly, Koeppel Adam, Locke Tyler, ZARAKAS James
Принадлежит:

Examples described herein describe a battery charger for a transaction card. According to some implementations, a charging device may detect a transaction card is received within a charging slot when an integrated circuit (IC) chip of the transaction card is in contact with a charging terminal; request a user device to provide power to charge the transaction card via the charging terminal, wherein the user device is communicatively coupled to the charging terminal; receive the power from the user device; and provide the power to the transaction card to charge a battery of the transaction card. 1. A method , comprising:detecting, by a charging device, an integrated circuit (IC) chip of a transaction card is no longer in contact with a charging terminal of the charging device;determining, by the charging device and based on detecting the IC chip is no longer in contact with the charging terminal, the transaction card has been removed from a charging slot of the charging device;determining, by the charging device, that the transaction card has been removed from the charging slot for a threshold period of time; andproviding, by the charging device, a user device with data indicating that the transaction card has been removed from the charging slot for the threshold period of time.2. The method of claim 1 , further comprising:providing the user device with data that causes the user device to display an alert indicating that the transaction card has been removed from the charging slot.3. The method of claim 1 , further comprising:causing an audible alarm to sound based on determining that the transaction card has been removed from the charging slot for the threshold period of time; orproviding the user device with data that causes the user device to make an audible alarm based on determining that the transaction card has been removed from the charging slot for the threshold period of time.4. The method of claim 1 , wherein detecting the IC chip is no longer in contact ...

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Номер записи: 48
22-07-2021 дата публикации

Configuring a set of applets on a battery-less transaction card

Номер: US20210224625A1
Автор: Adam Koeppel, James ZARAKAS, Molly Johnson, Tyler LOCKE
Принадлежит: Capital One Services LLC

A transaction card may power on the transaction card using electric current induced from an interaction of the transaction card with an electromagnetic field. The transaction card may establish a communication with a device. The communication may indicate that the transaction card has powered. The transaction card may receive, from the device, a set of instructions to configure a set of applets on the transaction card after notifying the device that the transaction card has powered on. The set of applets to be configured may be related to completing one or more different transactions. The set of applets to be configured may be different than another set of applets already configured on the transaction card. The transaction card may configure the set of applets on the transaction card according to the set of instructions after receiving the set of instructions.

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Номер записи: 49
20-06-2019 дата публикации

Near field communication device capable of operating in a powered or unpowered mode

Номер: US20190190568A1
Автор: Adam Koeppel, James ZARAKAS, Kevin Kelly, Robert Perry, Tyler LOCKE
Принадлежит: Capital One Services LLC

In some implementations, a near field communication (NFC) device may determine whether the NFC device is to perform a wireless transaction in a powered mode or an unpowered mode, and may selectively perform the wireless transaction in the powered mode or the unpowered mode based on determining whether the NFC device is to perform the wireless transaction in the powered mode or the unpowered mode. The wireless transaction may be performed using power from a power source internal to the NFC device when the wireless transaction is performed in the powered mode. The wireless transaction may be performed without using power from the power source internal to the NFC device when the wireless transaction is performed in the unpowered mode.

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Номер записи: 50
04-07-2019 дата публикации

ANTENNA FORMED USING LASER PLATING OR PRINT-AND-PLATING FOR FIELD-POWERED SHORT RANGE COMMUNICATIONS

Номер: US20190205723A1
Автор: Koeppel Adam, Locke Tyler
Принадлежит:

A method of fabricating a transaction card for communicating data relating to a transaction may include forming a pattern in a plastic film using a laser plating process or a print-and-plate process; providing a conductive material in the pattern formed in the plastic film, using a plating process, to form a RF antenna layer in the plastic film, wherein the RF antenna layer includes a RF antenna; and affixing the plastic film to a surface of the transaction card to permit the RF antenna to inductively connect to a printed circuit board (PCB) of the transaction card. 1. A method , comprising:detecting, by a charging device, a transaction card is received within a charging slot; 'wherein the user device is communicatively coupled to the charging device;', 'requesting, by the charging device, a user device to transfer power to charge the transaction card,'}receiving, by the charging device, power from a power source of the user device; andusing, by the charging device, the received power to transfer power to a power source of the transaction card.2. The method of claim 1 , wherein detecting the transaction card is received with the charging slot comprises:detecting that a conductive contact of the transaction card is in contact with a charging terminal of the charging device.3. The method of claim 2 , wherein the conductive contact of the transaction card is included in an integrated circuit (IC) chip.4. The method of claim 1 , wherein detecting the transaction card is received within the charging slot comprises:detecting a change in resistance between a supply contact and a ground contact of a charging terminal of the charging device.5. The method of claim 1 , further comprising:determining an amount of power remaining in the power source of the transaction card; andprevent power transfer between the power source of the user device and the power source of the transaction card based on the amount of power remaining in the power source of the transaction card.6. The ...

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Номер записи: 51
11-07-2019 дата публикации

DYNAMIC TRANSACTION CARD FOR VISUAL IMPAIRMENT AND METHODS THEREOF

Номер: US20190213579A1
Автор: BRIGGMAN Brian, ESCALANTE Karla, KELLY Kevin, Koeppel Adam, Locke Tyler, Markson Theodore, SANGI Saleem, Wurmfeld David, ZARAKAS James
Принадлежит:

A dynamic transaction card that includes a transaction card having a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a touch sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV chip, an energy storage component, one or more antenna (e.g., Bluetooth antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer. 140-. (canceled)41. A dynamic transaction card comprising:a sensor to detect an input at the dynamic transaction card;one or more account-provider specific applications, each application including instructions to generate a display upon receiving the input from the sensor and each application including display settings for users with a visual impairment;an antenna to wirelessly connect the dynamic transaction card to a mobile device;a display component to generate a predefined pattern based on a first display setting transmitted to the dynamic transaction card from a transaction terminal or the mobile device;a microprocessor to receive application data from the one or more applications and to activate the display via a display driver; anda contact plate, in communication with a microprocessor, to communicate with the transaction terminal.42. The dynamic transaction card of claim 41 , wherein the display settings are received at the dynamic transaction card from the mobile device via the antenna.43. The dynamic transaction card of claim 41 , wherein the visual impairment comprises nearsightedness claim 41 , farsightedness claim 41 , and/or glaucoma.44. The dynamic transaction card of claim 41 , wherein the display settings are received at the dynamic transaction card from the transaction terminal via the contact plate.45. The dynamic ...

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Номер записи: 52
11-07-2019 дата публикации

UTILIZING A TRANSACTION CARD TO PROVIDE SECONDARY AUTHENTICATION FOR ACCESSING A SECURE APPLICATION WITH A USER DEVICE

Номер: US20190213581A1
Автор: JOHNSON Molly, Koeppel Adam, Locke Tyler, Perry Robert, ZARAKAS James
Принадлежит:

A transaction card includes a near-field communication (NFC) component, a security component, a wireless component, one or more memories, and one or more processors communicatively coupled to the one or more memories. The device receives a signal from a user device attempting to access a secure application, and energizes the NFC component based on the signal received from the user device. The device causes the security component to generate an encrypted code based on the NFC component being energized, and provides, via the security component, the encrypted code to the wireless component. The device provides, via the wireless component, the encrypted code to the user device to permit the user device to utilize the encrypted code as authentication for accessing the secure application. 1. A transaction card , comprising:a near-field communication (NFC) component;a security component;a wireless component;a sensor component;a capacitive component;one or more memories; and receive a signal from a user device attempting to access a secure application stored on the user device;', 'detect a particular movement of the transaction card;', 'store, based on detecting the particular movement of the transaction card, energy from the user device in the capacitive component', 'energize the NFC component using the energy stored in the capacitive component based on receiving the signal from the user device and based on detecting the particular movement of the transaction card;', 'cause the security component to generate an encrypted code based on the NFC component being energized;', 'provide, via the security component, the encrypted code to the wireless component; and', 'the user device being authenticated to access the secure application based on the encrypted code.', 'provide, via the wireless component, the encrypted code to the user device,'}], 'one or more of the NFC component, the security component, the wireless component, or the one or more processors to, 'one or more ...

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Номер записи: 53
12-08-2021 дата публикации

Tokenizing a primary account number prior to transmission to a terminal

Номер: US20210248595A1
Автор: James ZARAKAS, Tyler LOCKE
Принадлежит: Capital One Services LLC

In some implementations, a transaction card may receive transaction data from a transaction terminal based on initiation of a transaction with the transaction terminal; generate a tokenized primary account number, for use with the transaction, based on the transaction data and an actual primary account number of the transaction card; and transmit the tokenized primary account number to the transaction terminal for processing the transaction.

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Номер записи: 54
09-08-2018 дата публикации

SYSTEM AND METHODS FOR SECURE FIRMWARE VALIDATION

Номер: US20180225459A1
Автор: Locke Tyler, Wurmfeld David, YORK Brennon, ZARAKAS James
Принадлежит:

An electronic device, such as a dynamic transaction card having an EMV chip, that acts as a TPM having a memory, an applet, and a cryptographic coprocessor performs secure firmware and/or software updates, and performs firmware and/or software validation for firmware and/or software that is stored on the electronic device. Validation may compare a calculated checksum with a checksum stored in EMV chip memory. If a checksum calculated for firmware and/or a software application matches a checksum stored in EMV chip memory of the transaction card, the transaction card may operate normally. If a checksum calculated for firmware and/or a software application does not match a checksum stored in EMV chip memory of the transaction card, the transaction card may freeze all capabilities, erase the memory of the transaction card, display data indicative of a fraudulent or inactive transaction card, and/or the like. 1. A dynamic transaction card comprising:A EuroPay-MasterCard-Visa (EMV) processor storing existing firmware and version data associated with the existing firmware;an EMV plate connectively coupled to the EMV processor;a bootloader; andan input/output interface that receives an updated firmware program from a firmware provider system;wherein the EMV processor receives, via contacts on the EMV plate, an update component associated with the updated firmware program transmitted from the firmware provider system during a secure communication with the firmware provider system via a secure terminal, wherein the update component is used to validate the received updated firmware program;wherein, in response to the validation of the updated firmware program, the bootloader loads the updated firmware on the dynamic transaction card, executes the updated firmware program, which overwrites the existing firmware; andwherein, in response to the bootloader loading and executing the updated firmware program, the EMV processor stores and uses the updated firmware program.2. The ...

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Номер записи: 55
18-07-2019 дата публикации

DYNAMIC TRANSACTION CARD POWER MANAGEMENT

Номер: US20190220719A1
Автор: Koeppel Adam, Locke Tyler, Wurmfeld David, ZARAKAS James
Принадлежит:

A printed circuit board (“PCB”) with a power source. The PCB and power source combination may be inserted into a small electronic device, such as a dynamic transaction card, which may include a dynamic transaction card or a EuroPay-MasterCard-Visa (“EMV”) card. For example, a PCB may be manufactured to attach a battery as a power source to one side of a PCB such that the integrated battery directly connects with at least a portion of the PCB side. A rapid energy storage device may also be utilized as a power source. Energy may be harvested from an EMV terminal to charge or recharge a dynamic transaction card or EMV card powered by a rapid energy storage device when the card is inserted into the terminal. 122-. (canceled)23. A method comprising:receiving, at an activation sensor of a dynamic transaction card, biometric data input;determining, at the dynamic transaction card, whether the biometric data input matches user biometric data stored on the dynamic transaction card, thereby verifying a user of the dynamic transaction card;activating, in response to verifying the user of the dynamic transaction card, a power management circuit in communication with the activation sensor to control charging of a rapid energy storage device, and discharging of the rapid energy storage device;determining that a physical connection with a transaction terminal or a standalone charger is established; andtransmitting, using the power management circuit and in response to determining that the physical connection is established, a current to the rapid energy storage device from the transaction terminal.24. The method of claim 23 , further comprising:determining, at the activation sensor, that the biometric data input does not match the user biometric data;pairing the dynamic transaction card with a mobile device;receiving, at the dynamic transaction card, an attempted password from the mobile device; anddetermining that the attempted password matches a stored password on the dynamic ...

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Номер записи: 56
09-07-2020 дата публикации

Tokenizing a primary account number prior to transmission to a terminal

Номер: US20200219090A1
Автор: James ZARAKAS, Tyler LOCKE
Принадлежит: Capital One Services LLC

In some implementations, a transaction card may receive transaction data from a transaction terminal based on initiation of a transaction with the transaction terminal; generate a tokenized primary account number, for use with the transaction, based on the transaction data and an actual primary account number of the transaction card; and transmit the tokenized primary account number to the transaction terminal for processing the transaction.

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Номер записи: 57
25-07-2019 дата публикации

CONFIGURING A SET OF APPLETS ON A BATTERY-LESS TRANSACTION CARD

Номер: US20190228278A1
Автор: JOHNSON Molly, Koeppel Adam, Locke Tyler, ZARAKAS James
Принадлежит:

A transaction card may power on the transaction card using electric current induced from an interaction of the transaction card with an electromagnetic field. The transaction card may establish a communication with a device. The communication may indicate that the transaction card has powered. The transaction card may receive, from the device, a set of instructions to configure a set of applets on the transaction card after notifying the device that the transaction card has powered on. The set of applets to be configured may be related to completing one or more different transactions. The set of applets to be configured may be different than another set of applets already configured on the transaction card. The transaction card may configure the set of applets on the transaction card according to the set of instructions after receiving the set of instructions. 1. A transaction card , comprising:an electronic paper display; and detect that the transaction card is within an electromagnetic field of a device;', 'the particular applet being associated with completing a transaction with the device;', 'determine, based on data communicated via the electromagnetic field, a particular applet to be configured on the transaction card,'}, 'configure the particular applet on the transaction card;', 'provide, for display via the electronic paper display, information identifying the particular applet; and', 'complete, based on configuring the particular applet, the transaction., 'one or more processors configured to2. The transaction card of claim 1 , where the one or more processors are further configured to:power on the transaction card using electric current induced from the electromagnetic field.3. The transaction card of claim 2 , where the electric current is induced in an NFC component of the transaction card.4. The transaction card of claim 2 , where the electric current is stored in a capacitive component of the transaction card.5. The transaction card of claim 1 , where ...

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Номер записи: 58
23-07-2020 дата публикации

SYSTEMS AND METHODS FOR TRANSLATING A GESTURE TO INITIATE A FINANCIAL TRANSACTION

Номер: US20200234260A1
Автор: Koeppel Adam, Locke Tyler, Wurmfeld David
Принадлежит:

Systems and methods for initiating and/or facilitating a financial transaction in response to detecting and translating a spatial gesture may be provided. A payor transaction device may be capable of detecting, via a motion-detecting device, a payor spatial gesture corresponding to a payment gesture of one or more predetermined spatial gestures and, responsive to detecting the payor spatial gesture, receiving payee account information from a payee transaction device. The payor transaction device may also be capable of transmitting, to a payor computing device, transaction data comprising the payee account information and data indicative of the payor spatial gesture. The payor computing device may be capable of transmitting at least a portion of the transaction data to a financial service provider terminal to enable the financial service provider terminal to facilitate the requested transaction. 1. A payor transaction device for conducting gesture-based transactions using an associated payor financial account , the payor transaction device comprising:a processor;a motion-detecting device;a signal sensor;a communication interface; and [ detect, via the motion-detecting device, a waking spatial gesture;', 'detect, with the signal sensor, a proximity signal transmitted from a payee transaction device;', 'determine, by the processor and based on a signal strength of the proximity signal, that a payee transaction device is within a predetermined proximity of the payor transaction device;', 'wherein the sleep mode is configured for only detecting the waking spatial gesture and detecting the proximity signal transmitted from the payee transaction device;, 'while in a sleep mode, 'responsive to detecting the waking spatial gesture and determining that that payee transaction device is within the predetermined proximity of the payor transaction device, transition from a sleep mode to a ready mode configured for detecting one or more predetermined spatial gestures within a ...

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Номер записи: 59
23-07-2020 дата публикации

DYNAMIC TRANSACTION CARD PROTECTED BY GESTURE AND VOICE RECOGNITION

Номер: US20200234281A1
Автор: Locke Tyler, Wurmfeld David, ZARAKAS James
Принадлежит:

A dynamic transaction card that includes a number of layers, each of which may be interconnected to one another, is disclosed. The dynamic transaction card may include an outer layer, a potting layer, a sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV™ chip, an energy storage component, one or more antennas (e.g., Bluetooth antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer. The dynamic transaction card may be activated by authenticating the card user through user authentication input recognition, which may be gesture and/or voice recognition processing. 1. A dynamic transaction card comprising:an antenna to send and receive wireless communications;a sensor to receive spoken voiceprints;a microcontroller; and receive, at the antenna, a first signal including a first predetermined voiceprint from a mobile device;', 'receive, at the sensor, a first spoken voiceprint;', 'authenticate, with the microcontroller, a first user of the dynamic transaction card based on a first match between the first spoken voiceprint and the first predetermined voiceprint; and', 'activate, with the microcontroller, the dynamic transaction card based on the first match., 'memory storing instructions that, when executed, cause the dynamic transaction card to2. The dynamic transaction card of claim 1 , wherein the instructions claim 1 , when executed claim 1 , further cause the dynamic transaction card to:receive, at the antenna, a second signal including a second predetermined voiceprint from the mobile device;receive, at the sensor, a second spoken voiceprint;authenticate, by the microcontroller, a second user of the dynamic transaction card based on a second match between the second spoken voiceprint and the second predetermined voiceprint; andactivate, ...

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Номер записи: 60
08-08-2019 дата публикации

SYSTEM, METHOD, AND APPARATUS FOR WIRELESS CHARGING

Номер: US20190245391A1
Автор: Koeppel Adam, Locke Tyler, Wurmfeld David
Принадлежит:

Using inductive currents to wirelessly charge a device via a device connected to a power source. This inductive charging may result when a first mobile device recognizes a second mobile device via a wireless connection (e.g., Bluetooth, Bluetooth Low Energy (BLE), Near-Field Communication (NFC), or the like). An application stored on the first mobile device may recognize a second mobile device by transmitting an advertising packet when the first mobile device is connected to a power source. An advertising packet may be received by the second mobile device and the second mobile device may transmit a response to the advertising packet in order to generate a connection between the first and second mobile devices. The response may include data such as, connection strength, response time, connection preferences, and the like. Upon detection and connection, the second mobile device may be wireles sly charged by the first device via inductive charging. 1. An electronic transaction card comprising:a Near-Field Communication (NFC) antenna;an energy storage component; and send and receive data packets to and from a terminal system to conduct a transaction using contactless payment technology, wherein the data packets include user authentication information to authenticate payment;', 'transmit, via the NFC antenna, an advertising packet to a mobile power receiving device;', 'receive, via the NFC antenna, a response from the mobile power receiving device, wherein the response indicates a frequency of energy transmission; and', 'broadcast, via the NFC antenna, a signal to the mobile power receiving device based on the frequency determined from the response and configured to charge the mobile power receiving device via inductive charging., 'a processor configured to2. The electronic transaction card of claim 1 , wherein the response from the mobile power receiving device indicates that a connection is made between the electronic transaction card and the mobile power receiving ...

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Номер записи: 61
18-11-2021 дата публикации

SYSTEM, METHOD, AND APPARATUS FOR WIRELESS CHARGING

Номер: US20210359555A1
Автор: Koeppel Adam, Locke Tyler, Wurmfeld David
Принадлежит:

Using inductive currents to wirelessly charge a device via a device connected to a power source. This inductive charging may result when a first mobile device recognizes a second mobile device via a wireless connection (e.g., Bluetooth, Bluetooth Low Energy (BLE), Near-Field Communication (NFC), or the like). An application stored on the first mobile device may recognize a second mobile device by transmitting an advertising packet when the first mobile device is connected to a power source. An advertising packet may be received by the second mobile device and the second mobile device may transmit a response to the advertising packet in order to generate a connection between the first and second mobile devices. The response may include data such as, connection strength, response time, connection preferences, and the like. Upon detection and connection, the second mobile device may be wirelessly charged by the first device via inductive charging. 1. A method comprising:establishing a wireless connection between an electronic transaction card and a mobile device associated with an account holder of the transaction card;receiving, via a Near-Field Communications (NFC) antenna of the transaction card, a response from the mobile device including a first frequency for energy transmission and distance data;determining, with a microprocessor of the transaction card, a distance between the transaction card and the mobile device based on the distance data;determining, with the microprocessor, a second frequency for energy transmission based on the first frequency and the distance; andbroadcasting, via the NFC antenna, a first signal to the mobile device at the second frequency to charge the mobile device via inductive charging.2. The method of claim 1 , wherein the response from the mobile device further includes at least one of the following: connection strength claim 1 , response time claim 1 , or connection preferences.3. The method of claim 1 , wherein the response from ...

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Номер записи: 62
29-08-2019 дата публикации

TRANSACTION DEVICE CAPABLE OF MANAGING AND ROUTING POWER FROM AN EXTERNAL POWER SOURCE

Номер: US20190268044A1
Автор: Koeppel Adam, Locke Tyler
Принадлежит:

A transaction device may include a power reception component configured to receive power from an external device with which the transaction device is to interact to perform a transaction. The transaction device may include a secure element configured to perform the transaction using the power received from the external device. The transaction device may include one or more peripheral components configured to perform one or more operations other than the transaction. The transaction device may include a power management component configured to determine at least one operation, of the one or more operations, to be performed in association with the transaction, and to route power received from the external device to at least one peripheral component, of the one or more peripheral components, capable of performing the at least one operation. 1. A method comprising:receiving, by a transaction device, power from a transaction terminal;performing, by the transaction device, a transaction using the power;determining, by the transaction device, an amount of power available after performing the transaction; androuting, by the transaction device and based on the amount of power, at least a portion of the amount of power to a first peripheral component, of the transaction device, without routing power to a second peripheral component of the transaction device.2. The method of claim 1 , where routing at least the portion of the amount of power to the first peripheral component without routing power to the second peripheral component comprises:routing the at least the portion of the amount of power to the first peripheral component while preventing any power from being routed to the second peripheral component.3. The method of claim 1 , where receiving the power from the transaction terminal comprises:receiving, by a power reception component of the transaction device, the power from the transaction terminal.4. The method of claim 3 ,where the power reception component is a Near ...

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Номер записи: 63
05-09-2019 дата публикации

NETWORK OF TRUST

Номер: US20190272541A1
Автор: Koeppel Adam, Locke Tyler, ZARAKAS James
Принадлежит: Capital One Services, LLC

A user device may detect at least one external device in communication range of the device, receive at least one external device identifier from the at least one external device, generate a transaction request comprising data describing a transaction to be processed and the at least one external device identifier, and send the transaction request to a transaction service for fulfillment. The transaction service may receive the transaction request, analyze the at least one external device identifier to identify at least one security factor associated with the at least one external device identifier, adjust a security score for the transaction based on the at least one security factor, and determine whether to process the transaction based on the adjusted security score.

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Номер записи: 64
19-09-2019 дата публикации

SYSTEMS AND METHODS FOR TRANSLATING A GESTURE TO INITIATE A FINANCIAL TRANSACTION

Номер: US20190287083A1
Автор: Koeppel Adam, Locke Tyler Sylvain, Wurmfeld David K.
Принадлежит:

Systems and methods for initiating and/or facilitating a financial transaction in response to detecting and translating a spatial gesture may be provided. A payor transaction device may be capable of detecting, via a motion-detecting device, a payor spatial gesture corresponding to a payment gesture of one or more predetermined spatial gestures and, responsive to detecting the payor spatial gesture, receiving payee account information from a payee transaction device. The payor transaction device may also be capable of transmitting, to a payor computing device, transaction data comprising the payee account information and data indicative of the payor spatial gesture. The payor computing device may be capable of transmitting at least a portion of the transaction data to a financial service provider terminal to enable the financial service provider terminal to facilitate the requested transaction. 1. A payor transaction device for conducting gesture-based transactions using an associated payor financial account , the payor transaction device comprising:a processor;a motion-detecting device a signal sensor;a communication interface; and detect, with the motion-detecting device, a first payor spatial gesture corresponding to an initiate-payment gesture of one or more predetermined spatial gestures;', 'initiate a transfer of funds from the payor financial account to a payee financial account in response to detecting the first payor spatial gesture;', 'generate a first transaction identifier associated with the transfer of funds in response to detecting the first payor gesture;', 'detect, with the signal sensor and within a predetermined time period after detecting the first payor spatial gesture, a proximity signal transmitted from a payee transaction device;', 'determine, by the processor and based on a signal strength of the proximity signal, that the payee transaction device is within a predetermined proximity of the payor transaction device;', 'transmit the first ...

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Номер записи: 65
20-10-2016 дата публикации

SYSTEM AND METHODS FOR SECURE FIRMWARE VALIDATION

Номер: US20160306977A1
Автор: Locke Tyler, Wurmfeld David, YORK Brennon, ZARAKAS James
Принадлежит:

An electronic device, such as a dynamic transaction card having an EMV chip, that acts as a TPM having a memory, an applet, and a cryptographic coprocessor performs secure firmware and/or software updates, and performs firmware and/or software validation for firmware and/or software that is stored on the electronic device. Validation may compare a calculated checksum with a checksum stored in EMV chip memory. If a checksum calculated for firmware and/or a software application matches a checksum stored in EMV chip memory of the transaction card, the transaction card may operate normally. If a checksum calculated for firmware and/or a software application does not match a checksum stored in EMV chip memory of the transaction card, the transaction card may freeze all capabilities, erase the memory of the transaction card, display data indicative of a fraudulent or inactive transaction card, and/or the like. 1. A dynamic transaction card comprising:A EuroPay-MasterCard-Visa (EMV) processor storing existing firmware and version data associated with the existing firmware;an EMV plate connectively coupled to the EMV processor;a bootloader; andan input/output interface that receives an updated firmware program from a firmware provider system;wherein the EMV processor receives, via contacts on the EMV plate, an update component associated with the updated firmware program transmitted from the firmware provider system during a secure communication with the firmware provider system via a secure terminal, wherein the update component is used to validate the received updated firmware program;wherein, in response to the validation of the updated firmware program, the bootloader loads the updated firmware on the dynamic transaction card, executes the updated firmware program, which overwrites the existing firmware; andwherein, in response to the bootloader loading and executing the updated firmware program, the EMV processor stores and uses the updated firmware program.2. The ...

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Номер записи: 66
20-10-2016 дата публикации

DYNAMIC TRANSACTION CARD WITH EMV INTERFACE AND METHOD OF MANUFACTURING

Номер: US20160307081A1
Автор: Koeppel Adam, Locke Tyler, Wurmfeld David
Принадлежит:

A dynamic transaction card with EuroPay-Mastercard-Visa (“EMV”)technology that includes an EMV interface connecting EMV contacts and an EMV processor to enable a multifunctional dynamic transaction card. A method of manufacturing a dynamic transaction card with an EMV interface connecting EMV contacts and an EMV processor. A dynamic transaction card with an EMV interface may be manufactured using a separate printed circuit board (PCB) layout with EMV contact patterns placed into the top surface of a molding to create the dynamic transaction card. The edges of the EMV contact patterns would be incorporated through holes, which are trimmed to scallops, to allow for surface mounting. The EMV interface may then include a connection between the EMV contact patterns and the EMV microprocessor such that the EMV microprocessor does not have to be placed directly beneath the EMV contact patterns. 1. A dynamic transaction card comprising:a top surface layer having a EuroPay-MasterCard-Visa (“EMV”) contact pattern;a backing layer;an EMV microprocessor located between the top surface layer and the backing layer; andan EMV interface connecting the EMV contact pattern and the EMV microprocessor, wherein:the EMV contact pattern is no layered on top of the EMV microprocessor;and the EMV interface provides access t- signals transmitted between the EMV microprocessor and an EMV terminal.2. The dynamic transaction card of claim 1 , wherein the EMV interface comprises conductive connections.3. The dynamic transaction card of claim 1 , wherein the EMV contact pattern interacts with an EMV terminal configured to read the EMV microprocessor.4. The dynamic transaction card of claim 1 , wherein the top surface layer is constructed out of polyethylene terephthalate claim 1 , polyethylene claim 1 , high-density polyethylene claim 1 , polyvinyl chloride claim 1 , polyvinylidene chloride claim 1 , low-density polyethylene claim 1 , polypropylene claim 1 , polystyrene claim 1 , high impact ...

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Номер записи: 67
20-10-2016 дата публикации

System, method, and apparatus for a dynamic transaction card

Номер: US20160307082A1
Автор: David Wurmfeld, Tyler LOCKE
Принадлежит: Capital One Services LLC

A dynamic transaction card that includes a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller/microprocessor storing firmware, Java applets, Java applet integration, and the like, an EMV processor, an energy storage component, one or more antenna (e.g., Bluetooth antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer. A display layer may include enhanced features such as the use of display components as a barcode generator.

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Номер записи: 68
20-10-2016 дата публикации

Tamper-resistant dynamic transaction card and method of providing a tamper-resistant dynamic transaction card

Номер: US20160307088A1
Автор: KELLY Kevin, Locke Tyler, Markson Theodore, SANGI Saleem, Wurmfeld David, ZARAKAS James
Принадлежит:

A dynamic transaction card that is manufactured using conductive plastic jumpers that will dissolve when in contact with a solvent used to tamper with the dynamic transaction card. Internal components of a dynamic transaction card may be manufactured using a synthetic or semi-synthetic organic material, such as, for example, plastics. These materials may be conductive to provide functionality to a dynamic transaction card, such as a connection between an integrated circuit and other card components such that when the materials dissolve, the connections are broken and the dynamic transaction card may be inactive due to the loss of various connections. 1. A dynamic transaction card comprising:an outer layer comprising a plastic material;electrical components;at least one connector between the electrical components, wherein the connector is constructed from conductive, dissolvable material, wherein upon dissolving the outer layer using a solvent, the at least one connector is dissolved to break the connection between the electrical components and deactivate the dynamic transaction card.2. The dynamic transaction card of claim 1 , wherein the electrical components comprise an integrated circuit claim 1 , power supply claim 1 , power management component claim 1 , microprocessor claim 1 , microcontroller claim 1 , and/or a EuroPay-MasterCard-Visa (EMV) chip.3. The dynamic transaction card of claim 2 , wherein the connector connects the integrated circuit to the power supply and/or power management component.4. The dynamic transaction card of claim 2 , wherein the connector connects the microprocessor and/or microcontroller to the power supply and/or power management component.5. The dynamic transaction card of claim 1 , wherein the plastic material comprises polyethylene terephthalate claim 1 , polyethylene claim 1 , high-density polyethylene claim 1 , polyvinyl chloride claim 1 , polyvinylidene chloride claim 1 , low-density polyethylene claim 1 , polypropylene claim 1 ...

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Номер записи: 69
20-10-2016 дата публикации

SYSTEM, METHOD, AND APPARATUS FOR A DYNAMIC TRANSACTION CARD

Номер: US20160307189A1
Автор: BRIGGMAN Brian, ESCALANTE Karla, KELLY Kevin, Koeppel Adam, Locke Tyler, Markson Theodore, SANGI Saleem, Wurmfeld David, ZARAKAS James
Принадлежит:

A dynamic transaction card that includes a transaction card having a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a touch sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV chip, an energy storage component, one or more antenna (e.g., Bluetooth antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer. 1. A dynamic transaction card comprising:an outer protective layer having an outer edge;a card backing having an outer edge, wherein the card backing outer edge and the outer protective layer are connected to one another along the respective outer edges to form a casing for the components of the dynamic transaction card; a potting layer;', 'a EuroPay-Mastercard-Visa (EMV) chip comprising an EMV plate accessible from the outer protective layer and an EMV processor;', 'a sensor that detects an input to the dynamic transaction card;', 'an application processor storing one or more applications, wherein each application is account-provider specific and includes instructions to generate a display upon receiving input from the sensor;', 'a display component that is visible through or extends through the outer protective layer and includes a dot matrix display, one or more LED lights, one or more OLED lights, light pipes, electronic paper, Mirasol, TF LCD, and/or Quantum Dot Display; and;', 'a microcontroller to receive application data from the one or more applications and activate the display via a display driver;', 'an energy storage component to power the dynamic transaction card;', 'a bootloader; and', 'a chassis., 'wherein the components of the dynamic transaction card include2. The dynamic transaction card of claim 1 , further ...

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Номер записи: 70
18-10-2018 дата публикации

TAMPER-RESISTANT TRANSACTION CARD AND METHOD OF PROVIDING A TAMPER-RESISTANT TRANSACTION CARD

Номер: US20180300596A1
Автор: KELLY Kevin, Locke Tyler, Markson Theodore, SANGI Saleem, Wurmfeld David, ZARAKAS James
Принадлежит:

A dynamic transaction card that is manufactured using conductive plastic jumpers that will dissolve when in contact with a solvent used to tamper with the dynamic transaction card. Internal components of a dynamic transaction card may be manufactured using a synthetic or semi-synthetic organic material, such as, for example, plastics. These materials may be conductive to provide functionality to a dynamic transaction card, such as a connection between an integrated circuit and other card components such that when the materials dissolve, the connections are broken and the dynamic transaction card may be inactive due to the loss of various connections. 1. A dynamic transaction card comprising:an outer layer comprising a plastic material;electrical components; the connector is constructed from a conductive, dissolvable material;', 'the connector is arranged in a sequence, wherein the dynamic transaction card will look for the sequence to activate the card; and', 'upon dissolving the outer layer using a solvent, the at least one connector is dissolved to break the connection between the electrical components and the sequence deactivate the dynamic transaction card., 'at least one connector between the electrical components, wherein2. The dynamic transaction card of claim 1 , wherein the electrical components comprise an integrated circuit claim 1 , power supply claim 1 , power management component claim 1 , microprocessor claim 1 , microcontroller claim 1 , and/or a EuroPay-MasterCard-Visa (EMV) chip.3. The dynamic transaction card of claim 2 , wherein the connector connects the integrated circuit to the power supply and/or power management component.4. The dynamic transaction card of claim 2 , wherein the connector connects the microprocessor and/or microcontroller to the power supply and/or power management component.5. The dynamic transaction card of claim 1 , wherein the plastic material comprises polyethylene terephthalate claim 1 , polyethylene claim 1 , high- ...

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Номер записи: 71
24-09-2020 дата публикации

DYNAMIC TRANSACTION CARD FOR VISUAL IMPAIRMENT AND METHODS THEREOF

Номер: US20200302427A1
Автор: BRIGGMAN Brian, ESCALANTE Karla M., Kelly Kevin P., Koeppel Adam, Locke Tyler, Markson Theodore, SANGI Saleem, Wurmfeld David, ZARAKAS James
Принадлежит:

A dynamic transaction card that includes a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a touch sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV chip, an energy storage component, one or more antenna (e.g., Bluetooth antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer. The card includes a secure element to receive visual impairment settings and alert data. A microprocessor can convert the alert data into impairment data based on the visual impairment settings. A display is generated based on the impairment data. 1. A dynamic transaction card comprising:a display; receive a signal from a transaction terminal; and', 'activate the display of the dynamic transaction;, 'a secure element toan antenna to receive visual impairment settings and alert data from a mobile device; anda microprocessor to convert the alert data into impairment data based on the visual impairment settings and to generate an image based on the impairment data;wherein the image is displayed on the display.2. The dynamic transaction card of claim 1 , wherein the alert data comprises financial account information including a balance claim 1 , a credit limit claim 1 , a budget balance claim 1 , and/or a transaction amount.3. The dynamic transaction card of claim 1 , wherein:the alert data comprises alphanumeric financial account data; andthe image is non-alphanumeric.4. The dynamic transaction card of claim 3 , wherein:the microprocessor converts the alphanumeric financial account data into impairment data representative of a blinking pattern; andthe image is a blinking pattern wherein a rate of blinking of the display represents at least one of a balance, a ...

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Номер записи: 72
03-10-2019 дата публикации

DYNAMIC TRANSACTION CARD PROTECTED BY DROPPED CARD DETECTION

Номер: US20190303917A1
Автор: KELLY Kevin, Koeppel Adam, Locke Tyler, Wurmfeld David, ZARAKAS James
Принадлежит:

A dynamic transaction card that includes a transaction card having a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a sensor layer that may detect and identify a card free fall and/or subsequent impact, which may trigger a microcontroller to send a mobile notification to a cardholder notifying the user that the card has been dropped, and/or may disable or deactivate the card and/or a user account associated with the card, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, and the like, an EMV chip, an energy storage component, one or more antenna (e.g., Bluetooth antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer. 1. A dynamic transaction card comprising:a microcontroller that processes input data to determine whether the dynamic transaction card has experienced a drop or impact;a sensor that detects a drop or impact and provides the input data to the microcontroller; andan antenna;wherein upon detection of a drop or impact, the microcontroller transmits a detection notification to a mobile device via the antenna.2. The dynamic transaction card of claim 1 , wherein the input data includes at least one of a change in velocity or acceleration.3. The dynamic transaction card of claim 1 , wherein the input data includes a change in orientation of the dynamic transaction card.4. The dynamic transaction card of claim 1 , wherein the sensor comprises an accelerometer.5. The dynamic transaction card of claim 4 , wherein the accelerometer includes an embedded flat-detection algorithm that detects whether the dynamic transaction card has been dropped.6. The dynamic transaction card of claim 1 , wherein the sensor comprises a pressure sensor and/or a piezoelectric sensor.7. The dynamic ...

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Номер записи: 73
03-10-2019 дата публикации

APPARATUS FOR DISPENSING CASH BILLS

Номер: US20190304261A1
Автор: KOEPPEL Adam R., Locke Tyler, Wurmfeld David K., ZARAKAS James
Принадлежит:

An apparatus for dispensing cash bills is provided. The apparatus may include a housing with an access port, a cash dispenser, and a cash cartridge removably mounted within the housing. The cash cartridge may be insertable and removable through the access port. The cash cartridge may also be adapted to store a plurality of bills for dispensing and removably coupled to the cash dispenser. The apparatus may communicate with a user exclusively through a first communication unit via an RF network and may include a second communication unit for communicating with a financial service provider via a VICTORY-standard network. 1. An apparatus for dispensing cash bills to a user , comprising:a housing comprising an access port;a cash dispenser; insertable and removable through the access port;', 'adapted to store a plurality of bills for dispensing; and', 'removably coupled to the cash dispenser;, 'a cash cartridge removably mounted within the housing, the cash cartridge beinga first communication unit for communicating with a user device;a second communication unit for communicating with a financial service provider, the second communication unit being configured to transmit and receive information over a government-enabled communication network;a first electrical connector coupled to the housing and configured to supply electric power to the user device;a second electrical connector coupled to the housing and configured to receive power for the apparatus;an alarm operable to produce an indication when the apparatus is disconnected from power on the second electrical connector;one or more memories storing instructions; and receiving a cash withdrawal request through the first communication unit from the user device;', 'transmitting, to the financial service provider through the second communication unit, an authorization request associated with the cash withdrawal request;', 'upon receipt of authorization from the financial service provider, activating the cash dispenser to ...

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Номер записи: 74
10-10-2019 дата публикации

SMART CARD NFC SECURE MONEY TRANSFER

Номер: US20190311344A1
Автор: KELLY Kevin, Locke Tyler, Wurmfeld David
Принадлежит:

A secure method of real time money transferring between account holders utilizes Near Field Communication (NFC) technologies, dynamic transaction cards, and a mobile application to facilitate a seamless mobile transfer of funds. The dynamic transaction card of the customer requesting to make the transfer of funds may be placed in contact with the second recipient dynamic transaction card of the customer receiving the funds transfer to establish an NFC connection. The dynamic transaction card requesting the transfer may receive, via the NFC antenna on the card, the recipient customer account information stored on a passive NFC tag. The dynamic transaction card requesting the transfer may transmit the recipient account information to a mobile application, which may transmit the recipient account information to an account provider system for facilitating the funds transfer. 1. A system comprising a first dynamic transaction card , the first dynamic transaction card comprising:a first secure payment chip that stores first financial data;a first payment processing microprocessor; andan application processor storing a first application, wherein the first application when executed causes the first dynamic transaction card to:receive, via a short range wireless communication network protocol, a request, from a user application executed on a user device, to transfer funds from a first account associated with the first dynamic transaction card to a second account associated with a second recipient dynamic transaction card, the second recipient dynamic transaction card comprising a second secure payment chip that stores second financial data and a second payment processing microprocessor;receive, via a connection between the first dynamic transaction card and the second recipient dynamic transaction card, second recipient account information stored in a passive tag; andtransmit, via the short range wireless communication network protocol, the second recipient account ...

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Номер записи: 75
17-10-2019 дата публикации

SYSTEMS AND METHODS FOR ASSISTING USER INTERACTIONS WITH DISPLAYS

Номер: US20190317654A1
Автор: KOEPPEL Adam R., Locke Tyler, Wurmfeld David Kelly, ZARAKAS James
Принадлежит: Capital One Services, LLC

User interface systems and methods for assisting user interactions with displays are disclosed. A user interface system may include a display and a sensor configured to detect an interaction, by a user, with the display. The user interface system may also include one or more memory devices storing instructions and one or more processors configured to execute the instructions. The instructions may instruct the user interface system to generate a pattern on the display, determine that the interaction is a command to initiate a process to assist the user in interacting with the display, generate a display element on the pattern at a location specified by the command, and provide a feedback signal to the user indicating the display element location. 1. A user interface system , comprising:a display;a sensor configured to detect a single touch, by a user, on the display, wherein the single touch is at a location for a pattern to be displayed on the display;one or more memory devices storing instructions; and determining the single touch to be a command to initiate an assistance mode based on one or more touch parameters associated with the single touch;', 'simultaneously initiating the assistance mode and generating the pattern on the display at the location of the single touch, in response to determining the single touch to be the command to initiate the assistance mode, wherein the pattern comprises a home key and a plurality of additional keys, the home key being positioned at the location of the single touch;, 'one or more processors configured to execute the instructions to perform operations comprisingproviding a haptic feedback signal to the user indicating the position of the home key on the display; andterminating the assistance mode upon receiving a disengagement command from the user.2. The system of claim 1 , wherein:the operations comprise initiating the assistance mode to assist the user when the single touch persists for longer than a threshold period of ...

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Номер записи: 76
17-10-2019 дата публикации

SYSTEMS AND METHODS FOR ASSISTING USER INTERACTIONS WITH DISPLAYS

Номер: US20190317655A1
Автор: Koeppel Adam, Locke Tyler, Wurmfeld David Kelly, ZARAKAS James
Принадлежит: Capital One Services, LLC

User interface systems and methods for assisting user interactions with displays are disclosed. A user interface system may include a display and a sensor configured to detect an interaction, by a user, with the display. The user interface system may also include one or more memory devices storing instructions and one or more processors configured to execute the instructions. The instructions may instruct the user interface system to generate a pattern on the display, determine that the interaction is a command to initiate a process to assist the user in interacting with the display, generate a display element on the pattern at a location specified by the command, and provide a feedback signal to the user indicating the display element location. 120-. (canceled)21. A user interface system , comprising:a display;a sensor configured to detect an interaction, by a user, with the display;one or more memory devices storing instructions; and determining that the interaction is a command to initiate a process to provide a user-specified location for a display element;', 'generating the display element and positioning the display element at the user-specified location on the display; and', 'providing a feedback signal to the user indicating the display element location., 'one or more processors configured to execute the instructions to perform operations comprising22. The system of claim 21 , wherein:the interaction comprises a touch of the display; andthe operations comprise initiating the process to provide the user-specified location when the touch persists for longer than a threshold period of time.23. The system of claim 21 , wherein the display element is a home key of a virtual keyboard pattern.24. The system of claim 23 , wherein:the virtual keyboard pattern comprises a numeric keypad; andthe display element is a “5” key of the numeric keypad.25. The system of claim 21 , wherein the feedback signal comprises a haptic feedback.26. The system of claim 21 , wherein the ...

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Номер записи: 77
24-10-2019 дата публикации

SYSTEMS AND METHODS FOR TESTING MULTI-ELEMENT LIGHTED DISPLAYS

Номер: US20190324096A1
Автор: Locke Tyler, OSBORN Kevin, Wurmfeld David Kelly
Принадлежит: Capital One Services, LLC

Systems and methods for testing a light emitting display unit having a plurality of light emitting elements are disclosed. Embodiments include a system with a test module, the test module including a plurality of light detection elements. Each of the plurality of light detection elements may generate a signal upon detection of light emitted from a light emitting element. The test module may also include a circuit. The circuit may receive input signals from the plurality of light detection elements, process the input signals based on a pre-determined function of the circuit, and generate an aggregate output signal based on the processing of the input signals. The circuit may also process the input signals based on discrete implementation of a combinational logic. The circuit may further receive instructions determining the combinational logic to be implemented. 1. A system for testing a light emitting display unit having a plurality of light emitting elements , the system comprising:a test fixture, including:a plurality of light detection elements, the light detection elements being configured to generate signals upon detection of light emitted from the light emitting element, wherein the test fixture is movable towards or away from the light emitting elements to maintain a pre-determined distance between the test fixture and one or more of the light emitting elements based on an intensity of the generated signals; and receive input signals from the light detection elements;', 'process the input signals based on a pre-determined function of the circuit and discrete implementation of a combinational logic, wherein the pre-determined function includes determining wavelength of the light emitted from the light emitting elements; and', 'generate an aggregate output signal based on the processing of the input signals, wherein the aggregate output signal is configured to determine whether the light emitting display unit is functioning., 'a circuit configured to2. (canceled ...

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Номер записи: 78
31-10-2019 дата публикации

ACTIVATING AN OUTPUT COMPONENT TO INDICATE AN ORIENTATION OF A NEAR-FIELD COMMUNICATION (NFC)-CAPABLE TRANSACTION CARD

Номер: US20190332830A1
Автор: Koeppel Adam, Locke Tyler, Wurmfeld David Kelly
Принадлежит:

A transaction card may monitor an amount of electric current induced in a first near-field communication (NFC) component of a transaction card. Electric current may be induced in the first NFC component when the first NFC component is within an electromagnetic field generated by a second NFC component of a transaction terminal. The transaction card may dynamically activate one or more output components associated with the transaction card based on the amount of electric current induced in the first NFC component. The one or more output components may indicate whether the transaction card can communicate with the transaction terminal. The transaction card may perform an action related to completing a transaction after determining that the amount of electric current induced in the NFC component satisfies a first threshold. The first threshold may indicate that the transaction card can communicate with the transaction terminal.

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Номер записи: 79
31-10-2019 дата публикации

System, method, and apparatus for a dynamic transaction card

Номер: US20190333047A1
Автор: Adam Koeppel, Brian BRIGGMAN, David Wurmfeld, James ZARAKAS, Karla ESCALANTE, Kevin P. Kelly, Saleem SANGI, Theodore Markson, Tyler LOCKE
Принадлежит: Capital One Services LLC

A dynamic transaction card and methods for providing improved security during transactions are described. The dynamic transaction card can attempt to connect wirelessly to a mobile device. The dynamic transaction card can then send a transaction request to a backend system, including whether the connection to the mobile device was successful. The backend system can then calculate a fraud score based on the connection response, among other things. The backend system may approve or deny the transaction request from the dynamic transaction card based on the fraud score.

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Номер записи: 80
07-11-2019 дата публикации

CONFIGURING A SET OF APPLETS ON A BATTERY-LESS TRANSACTION CARD

Номер: US20190340478A1
Автор: JOHNSON Molly, Koeppel Adam, Locke Tyler, ZARAKAS James
Принадлежит:

A transaction card may power on the transaction card using electric current induced from an interaction of the transaction card with an electromagnetic field. The transaction card may establish a communication with a device. The communication may indicate that the transaction card has powered. The transaction card may receive, from the device, a set of instructions to configure a set of applets on the transaction card after notifying the device that the transaction card has powered on. The set of applets to be configured may be related to completing one or more different transactions. The set of applets to be configured may be different than another set of applets already configured on the transaction card. The transaction card may configure the set of applets on the transaction card according to the set of instructions after receiving the set of instructions. 1. A method , comprising:transmitting, by a device and to a transaction card, an instruction to configure one or more applets on the transaction card,a configuration of the one or more applets being associated with the transaction card completing a transaction;receiving, by the device, from the transaction card, and based on the instruction, a request for an applet; andtransmitting, by the device, to the transaction card, and based on the request, a particular applet for completing the transaction,the transaction being completed based on the particular applet being transmitted from the device to the transaction card.2. The method of claim 1 , wherein the particular applet claim 1 , before being transmitted to the transaction card claim 1 , is not configured on the transaction card.3. The method of claim 1 , further comprising:storing a data structure that includes information identifying a set of applets and corresponding types of transactions.4. The method of claim 1 , further comprising:generating an electromagnetic field; andinducing electric current in a near field communication (NFC) component of the ...

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Номер записи: 81
07-11-2019 дата публикации

SECURE CONTACTLESS PAYMENT METHOD AND DEVICE WITH ACTIVE ELECTRONIC CIRCUITRY

Номер: US20190340481A1
Автор: KOEPPEL Adam R., Locke Tyler
Принадлежит: Capital One Services, LLC

A contactless payment device including a wireless communication device; a power source; a processor coupled to the power source; an accelerometer communicatively coupled to the processor and the power source; and an actuator communicatively coupled to the wireless communication device and the processor. The actuator is configured to activate the wireless communication device when the actuator is set in a closed state, and deactivate the wireless communication device when the actuator is set in an open state. The processor is configured to receive an incoming signal from the accelerometer; determine whether the incoming signal corresponds to a pre-programmed signal corresponding to an enabling gesture; and set the actuator in the closed state for a time interval, when the incoming signal corresponds to the enabling gesture. 120-. (canceled)21. A contactless payment device comprising:an antenna having a resonant frequency;a sensor coupled to the antenna; anda communication circuit; the resonant frequency is an operating frequency when a finger is pressed against the sensor;', 'the resonant frequency is a detuned frequency when a finger is not pressed again the sensor;', 'the communication circuit communicates with a payment terminal when the resonant frequency is the operating frequency; and', 'the communication circuit is inhibited from communication with the payment terminal when the resonant frequency is the detuned frequency., 'wherein22. The contactless payment device of claim 21 , further comprisinga power source; anda cryptographic coprocessor coupled to the communication circuit and the power source, the cryptographic coprocessor being configured to verify signals received from the antenna when the resonant frequency is the operating frequency.23. The contactless payment device of claim 21 , wherein the operating frequency is higher than the detuned frequency.24. The contactless payment device of claim 21 , wherein the operating frequency is lower than the ...

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Номер записи: 82
28-11-2019 дата публикации

SECURE ELEMENT TO PROTECT TRANSACTIONS MADE BY OR WITHIN A VEHICLE

Номер: US20190362344A1
Автор: Koeppel Adam, Locke Tyler, Perry Robert
Принадлежит:

A device associated with a vehicle may receive a device identifier of a user device that is registered to an authorized user or user identification data associated with the authorized user. The device may include a secure element, and may receive, from an infotainment system, payment information associated with a transaction for a service. The device may secure the payment information using an encryption technique that is to use a public key associated with the device identifier or the user identification data to encrypt the payment information. The device may provide the payment information to the infotainment system, which may provide the payment information to another device that is associated with an organization providing the particular service. The other device may use a private key to decrypt the payment information, process the payment information, and may perform actions relating to the service based on the payment information being successfully processed. 1. A secure element associated with a vehicle , comprising:one or more memories; and [ the information including user profile data associated with an authorized user of the particular user device, and', a location of the particular user device within the vehicle, or', 'a pre-determined priority list;, 'the particular user device being selected based upon at least one of], 'receive, from an infotainment system, information associated with a selection of a particular user device of one or more detected devices,'}, the infotainment system to provide a user with in-vehicle capabilities,', 'the secure element associated with the vehicle being separate from the infotainment system and the particular user device,', 'the secure element to communicate with the infotainment system without access to a public network;, 'receive, from the infotainment system, a merchant identifier associated with an organization providing a particular service,'}, 'generate a public key associated with the user profile data and the ...

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Номер записи: 83
03-12-2020 дата публикации

ACTIVATING AN OUTPUT COMPONENT TO INDICATE AN ORIENTATION OF A NEAR-FIELD COMMUNICATION (NFC)-CAPABLE TRANSACTION CARD

Номер: US20200380221A1
Автор: Koeppel Adam, Locke Tyler, Wurmfeld David Kelly
Принадлежит:

A transaction card may monitor an amount of electric current induced in a first near-field communication (NFC) component of a transaction card. Electric current may be induced in the first NFC component when the first NFC component is within an electromagnetic field generated by a second NFC component of a transaction terminal. The transaction card may dynamically activate one or more output components associated with the transaction card based on the amount of electric current induced in the first NFC component. The one or more output components may indicate whether the transaction card can communicate with the transaction terminal. The transaction card may perform an action related to completing a transaction after determining that the amount of electric current induced in the NFC component satisfies a first threshold. The first threshold may indicate that the transaction card can communicate with the transaction terminal. 1. A device , comprising:one or more output components configured to provide one or more sensory outputs; and [ 'an amount of electric current induced in the first NFC component being indicative of a strength of coupling between the first NFC component and the second NFC component;', 'detect an electric current induced in the first NFC component when the first NFC component is coupled with a second NFC component of another device,'}, 'trigger a first sensory output of the one or more sensory outputs based on a first amount of electric current induced in the first NFC component; and', the second amount of electric current satisfying a threshold to enable a data transfer between the first NFC component and the second NFC component, and', 'the first sensory output and the second sensory output being different., 'trigger a second sensory output of the one or more sensory outputs based on a second amount of electric current induced in the first NFC component,'}], 'a first near-field communication (NFC) component configured to2. The device of claim 1 ...

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Номер записи: 84
19-12-2019 дата публикации

SYSTEM, METHOD, AND APPARATUS FOR A DYNAMIC TRANSACTION CARD

Номер: US20190385149A1
Автор: Locke Tyler, Wurmfeld David
Принадлежит:

A dynamic transaction card with a display for providing barcodes is described. The barcodes can be generated by driving individual light emitting diodes (LEDs) of the display at frequencies of greater than 50 Hz. Due to the high frequency, the barcode can be readable by a barcode scanner, while remaining invisible to the human eye. The barcode can also be generated by driving a first set of LEDs at a different frequency and/or time interval than a second set of LEDs. Light waves from the first set of LEDs can constructively interfere with light waves from the second set of LEDs to create spatial voids readable by the barcode scanner. 113-. (canceled)14. A method of operating a dynamic transaction card comprising:receiving application data at a microprocessor, the application data including instructions to generate a barcode;transmitting, by the microprocessor, the instructions to generate the barcode to a display component comprising a plurality of light emitting diodes (LEDs); and driving individual LEDs of the plurality of LEDs at frequencies of greater than 50 Hz; and', 'creating an analog wave with spatial light voids readable by a barcode scanner., 'generating, by the display component, the barcode, wherein generating the barcode comprises15. The method of claim 14 , wherein driving the individual LEDs comprises:driving a first set of LEDs of the plurality of LEDs at a first frequency to produce a first set of light waves; anddriving a second set of LEDs of the plurality of LEDs at a second frequency to produce a second set of light waves;wherein the first frequency and the second frequency are different; andwherein the first set of light waves constructively interferes with the second set of light waves to create the spatial light voids.16. The method of claim 14 , wherein generating the barcode comprises:driving a first set of LEDs of the plurality of LEDs starting at a first time and at a first frequency to produce a first set of light waves; anddriving a ...

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Номер записи: 85
26-12-2019 дата публикации

NETWORK OF TRUST

Номер: US20190392442A1
Автор: Koeppel Adam, Locke Tyler, ZARAKAS James
Принадлежит: Capital One Services LLC

A user device may detect at least one external device in communication range of the device, receive at least one external device identifier from the at least one external device, generate a transaction request comprising data describing a transaction to be processed and the at least one external device identifier, and send the transaction request to a transaction service for fulfillment. The transaction service may receive the transaction request, analyze the at least one external device identifier to identify at least one security factor associated with the at least one external device identifier, adjust a security score for the transaction based on the at least one security factor, and determine whether to process the transaction based on the adjusted security score. 1. A device configured to initiate secure transactions , the device comprising:a processor;a wireless transceiver in communication with the processor; and detecting, using the wireless transceiver, at least one external user device in communication range of the device;', 'receiving, by the wireless transceiver, at least one external user device identifier from the at least one external user device, the at least one external user device identifier being associated with at least one suspicious security factor indicative of potential fraud;', 'generating a transaction request, the transaction request comprising data describing a transaction to be processed and the at least one external user device identifier; and', 'sending the transaction request to a transaction service for fulfillment, wherein the transaction is processed or denied based at least in part on a fraud model test applied to the at least one external user device identifier included in the transaction request sent by the processor, wherein the transaction is processed in response to passing the fraud model test or denied in response to failing the fraud model test., 'a non-transitory memory storing instructions that, when executed by the ...

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Номер записи: 86
16-10-2019 дата публикации

Systems and methods for assisting user interactions with displays

Номер: EP3553644A1
Автор: Adam R. Koeppel, David Kelly Wurmfeld, James ZARAKAS, Tyler LOCKE
Принадлежит: Capital One Services LLC

User interface systems and methods for assisting user interactions with displays are disclosed. A user interface system may include a display and a sensor configured to detect an interaction, by a user, with the display. The user interface system may also include one or more memory devices storing instructions and one or more processors configured to execute the instructions. The instructions may instruct the user interface system to generate a pattern on the display, determine that the interaction is a command to initiate a process to assist the user in interacting with the display, generate a display element on the pattern at a location specified by the command, and provide a feedback signal to the user indicating the display element location.

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Номер записи: 87
17-12-2019 дата публикации

System and methods for secure firmware validation

Номер: US10509908B2
Автор: Brennon YORK, David Wurmfeld, James ZARAKAS, Tyler LOCKE
Принадлежит: Capital One Services LLC

An electronic device, such as a dynamic transaction card having an EMV chip, that acts as a TPM having a memory, an applet, and a cryptographic coprocessor performs secure firmware and/or software updates, and performs firmware and/or software validation for firmware and/or software that is stored on the electronic device. Validation may compare a calculated checksum with a checksum stored in EMV chip memory. If a checksum calculated for firmware and/or a software application matches a checksum stored in EMV chip memory of the transaction card, the transaction card may operate normally. If a checksum calculated for firmware and/or a software application does not match a checksum stored in EMV chip memory of the transaction card, the transaction card may freeze all capabilities, erase the memory of the transaction card, display data indicative of a fraudulent or inactive transaction card, and/or the like.

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Номер записи: 88
02-10-2018 дата публикации

System and methods for secure firmware validation

Номер: US10089471B2
Автор: Brennon YORK, David Wurmfeld, James ZARAKAS, Tyler LOCKE
Принадлежит: Capital One Services LLC

An electronic device, such as a dynamic transaction card having an EMV chip, that acts as a TPM having a memory, an applet, and a cryptographic coprocessor performs secure firmware and/or software updates, and performs firmware and/or software validation for firmware and/or software that is stored on the electronic device. Validation may compare a calculated checksum with a checksum stored in EMV chip memory. If a checksum calculated for firmware and/or a software application matches a checksum stored in EMV chip memory of the transaction card, the transaction card may operate normally. If a checksum calculated for firmware and/or a software application does not match a checksum stored in EMV chip memory of the transaction card, the transaction card may freeze all capabilities, erase the memory of the transaction card, display data indicative of a fraudulent or inactive transaction card, and/or the like.

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Номер записи: 89
29-06-2018 дата публикации

Smart card nfc secure money transfer

Номер: CA2990224A1
Автор: David Wurmfeld, Kevin Kelly, Tyler LOCKE
Принадлежит: Capital One Services LLC

A secure method of real time money transferring between account holders utilizes Near Field Communication (NFC) technologies, dynamic transaction cards, and a mobile application to facilitate a seamless mobile transfer of funds. The dynamic transaction card of the customer requesting to make the transfer of funds may be placed in contact with the second recipient dynamic transaction card of the customer receiving the funds transfer to establish an NFC connection. The dynamic transaction card requesting the transfer may receive, via the NFC antenna on the card, the recipient customer account information stored on a passive NFC tag. The dynamic transaction card requesting the transfer may transmit the recipient account information to a mobile application, which may transmit the recipient account information to an account provider system for facilitating the funds transfer.

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Номер записи: 90
28-12-2022 дата публикации

A system, method, and apparatus for a dynamic transaction card

Номер: EP4109372A1
Автор: Adam Koeppel, Brian BRIGGMAN, David Wurmfeld, James ZARAKAS, Karla ESCALANTE, Kevin Kelly, Saleem SANGI, Theodore Markson, Tyler LOCKE
Принадлежит: Capital One Services LLC

The invention relates to a method comprising storing, in data storage of a dynamic transaction card, pre-stored account data that associates multiple accounts related to multiple financial institutions with the dynamic transaction card, the pre-stored account data comprising inactive account data; storing, in a microprocessor associated with an integrated circuit of the dynamic transaction card, an inactive encryption key; receiving, at an antenna of the dynamic transaction card, an activation signal from an account holder mobile device; executing, via the integrated circuit, a preloaded script to activate the inactive account data and the inactive encryption key thereby creating active account data and an active encryption key; activating, via the integrated circuit, an account on the dynamic transaction card; sending, via the antenna, a request to the account holder mobile device for updated data; and receiving, via the antenna, the updated data, wherein the updated data comprises updated account data associated with the account.

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Номер записи: 91
10-03-2022 дата публикации

Synthetic agricultural sensor

Номер: WO2022051617A1
Автор: Adam Koeppel, Kevin Kelly, Tyler LOCKE
Принадлежит: AquaSys LLC

In order to predict plant stresses at a localized level, data feeds from many sensor types can be fused and analyzed to create a synthetic sensor estimating plant water stress, predicting microclimatic conditions, and performing localized plant disease and pest modeling. To make this affordable, an array of low-cost, lower precision sensors can be used. Sensor fusion is used to improve the accuracy of each sensing element by using machine learning to fuse data from the other sensing elements in the array. Additionally, machine learning can create a "synthetic sensor" replicating the output of high-cost and maintenance intensive sensing devices by using machine learning to replicate their output.

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Номер записи: 92
02-11-2021 дата публикации

Dynamic transaction card for visual impairment and methods thereof

Номер: US11164177B2
Автор: Adam Koeppel, Brian BRIGGMAN, David Wurmfeld, James ZARAKAS, Karla M. ESCALANTE, Kevin P. Kelly, Saleem SANGI, Theodore Markson, Tyler LOCKE
Принадлежит: Capital One Services LLC

A dynamic transaction card that includes a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a touch sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV chip, an energy storage component, one or more antenna (e.g., Bluetooth antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer. The card includes a secure element to receive visual impairment settings and alert data. A microprocessor can convert the alert data into impairment data based on the visual impairment settings. A display is generated based on the impairment data.

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Номер записи: 93
23-08-2019 дата публикации

Transaction device capable of managing and routing power from an external power source

Номер: CA3032728A1
Автор: Adam Koeppel, Tyler LOCKE
Принадлежит: Capital One Services LLC

A transaction device may include a power reception component configured to receive power from an external device with which the transaction device is to interact to perform a transaction. The transaction device may include a secure element configured to perform the transaction using the power received from the external device. The transaction device may include one or more peripheral components configured to perform one or more operations other than the transaction. The transaction device may include a power management component configured to determine at least one operation, of the one or more operations, to be performed in association with the transaction, and to route power received from the external device to at least one peripheral component, of the one or more peripheral components, capable of performing the at least one operation.

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Номер записи: 94
30-06-2018 дата публикации

A system, method, and apparatus for wireless charging

Номер: CA2990248A1
Автор: Adam Koeppel, David Wurmfeld, Tyler LOCKE
Принадлежит: Capital One Services LLC

Using inductive currents to wirelessly charge a device via a device connected to a power source. This inductive charging may result when a first mobile device recognizes a second mobile device via a wireless connection (e.g., Bluetooth, Bluetooth Low Energy (BLE), Near-Field Communication (NFC), or the like). An application stored on the first mobile device may recognize a second mobile device by transmitting an advertising packet when the first mobile device is connected to a power source. An advertising packet may be received by the second mobile device and the second mobile device may transmit a response to the advertising packet in order to generate a connection between the first and second mobile devices. The response may include data such as, connection strength, response time, connection preferences, and the like. Upon detection and connection, the second mobile device may be wirelessly charged by the first device via inductive charging.

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Номер записи: 95
24-11-2019 дата публикации

A secure element to protect transactions made by or within a vehicle

Номер: CA3044029A1
Автор: Adam Koeppel, Robert Perry, Tyler LOCKE
Принадлежит: Capital One Services LLC

A device associated with a vehicle may receive a device identifier of a user device that is registered to an authorized user or user identification data associated with the authorized user. The device may include a secure element, and may receive, from an infotainment system, payment information associated with a transaction for a service. The device may secure the payment information using an encryption technique that is to use a public key associated with the device identifier or the user identification data to encrypt the payment information. The device may provide the payment information to the infotainment system, which may provide the payment information to another device that is associated with an organization providing the particular service. The other device may use a private key to decrypt the payment information, process the payment information, and may perform actions relating to the service based on the payment information being successfully processed.

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Номер записи: 96
14-09-2021 дата публикации

System, method, and apparatus for wireless charging

Номер: US11121588B2
Автор: Adam Koeppel, David Wurmfeld, Tyler LOCKE
Принадлежит: Capital One Services LLC

Using inductive currents to wirelessly charge a device via a device connected to a power source. This inductive charging may result when a first mobile device recognizes a second mobile device via a wireless connection (e.g., Bluetooth, Bluetooth Low Energy (BLE), Near-Field Communication (NFC), or the like). An application stored on the first mobile device may recognize a second mobile device by transmitting an advertising packet when the first mobile device is connected to a power source. An advertising packet may be received by the second mobile device and the second mobile device may transmit a response to the advertising packet in order to generate a connection between the first and second mobile devices. The response may include data such as, connection strength, response time, connection preferences, and the like. Upon detection and connection, the second mobile device may be wirelessly charged by the first device via inductive charging.

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Номер записи: 97
02-11-2019 дата публикации

Secure contactless payment method and device with active electronic circuitry

Номер: CA3041720A1
Автор: Adam R. Koeppel, Tyler LOCKE
Принадлежит: Capital One Services LLC

A contactless payment device including a wireless communication device; a power source; a processor coupled to the power source; an accelerometer communicatively coupled to the processor and the power source; and an actuator communicatively coupled to the wireless communication device and the processor. The actuator is configured to activate the wireless communication device when the actuator is set in a closed state, and deactivate the wireless communication device when the actuator is set in an open state. The processor is configured to receive an incoming signal from the accelerometer; determine whether the incoming signal corresponds to a pre-programmed signal corresponding to an enabling gesture; and set the actuator in the closed state for a time interval, when the incoming signal corresponds to the enabling gesture.

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Номер записи: 98
27-11-2019 дата публикации

A secure element to protect transactions made by or within a vehicle

Номер: EP3573002A1
Автор: Adam Koeppel, Robert Perry, Tyler LOCKE
Принадлежит: Capital One Services LLC

A device associated with a vehicle may receive a device identifier of a user device that is registered to an authorized user or user identification data associated with the authorized user. The device may include a secure element, and may receive, from an infotainment system, payment information associated with a transaction for a service. The device may secure the payment information using an encryption technique that is to use a public key associated with the device identifier or the user identification data to encrypt the payment information. The device may provide the payment information to the infotainment system, which may provide the payment information to another device that is associated with an organization providing the particular service. The other device may use a private key to decrypt the payment information, process the payment information, and may perform actions relating to the service based on the payment information being successfully processed.

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Номер записи: 99
23-10-2019 дата публикации

Systems and methods for testing multi-element lighted displays

Номер: CA3040632A1
Автор: David Kelly Wurmfeld, Kevin Osborn, Tyler LOCKE
Принадлежит: Capital One Services LLC

Systems and methods for testing a light emitting display unit having a plurality of light emitting elements are disclosed. Embodiments include a system with a test module, the test module including a plurality of light detection elements. Each of the plurality of light detection elements may generate a signal upon detection of light emitted from a light emitting element. The test module may also include a circuit. The circuit may receive input signals from the plurality of light detection elements, process the input signals based on a pre-determined function of the circuit, and generate an aggregate output signal based on the processing of the input signals. The circuit may also process the input signals based on discrete implementation of a combinational logic. The circuit may further receive instructions determining the combinational logic to be implemented.

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Номер записи: 100