公开(公告)号：US11087325B2

公开(公告)日：2021-08-10

申请号：US16571639

申请日：2019-09-16

Applicant: Capital One Services, LLC

Inventor： David Wurmfeld ,  Tyler Locke ,  James Zarakas ,  Adam Koeppel

IPC: G06Q20/40 ,  G06Q20/38 ,  H04W4/80 ,  G06Q20/32 ,  G06F21/31 ,  G06F1/32 ,  G06Q20/34 ,  G06F3/0488

Abstract: 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.

公开(公告)号：US20210166586A1

公开(公告)日：2021-06-03

申请号：US17172952

申请日：2021-02-10

Applicant: Capital One Services, LLC

Inventor： David Wurmfeld

IPC: G09F3/00 ,  G06F1/00 ,  B41M5/52 ,  B42D15/00 ,  B42D25/391

Abstract: Disclosed embodiments may relate to a time-dependent color-changing label for a product. The label may include a first layer comprising a plurality of particles, the particles comprising a time dependent color-changing material that changes color after a predetermined time period, the predetermined time period being greater than one month. The label may also include an attachment structure attaching the first layer to the product. In certain embodiments, the first layer may include a polymer, and the particles may include glass microspheres containing the time-dependent color changing material. The particles may be embedded in the polymer.

公开(公告)号：US10908475B2

公开(公告)日：2021-02-02

申请号：US16202036

申请日：2018-11-27

Applicant: CAPITAL ONE SERVICES, LLC

Inventor： David Wurmfeld ,  Kevin Osborn

IPC: G02F1/29 ,  G03H1/22 ,  G02F1/1337

Abstract: A digitally controlled lens system is disclosed. In some embodiments, the lens system includes a controller and an electro-optic lens electrically connected to the controller. The electro-optic lens includes a first substantially transparent substrate; a first electrode layer disposed on the first substantially transparent substrate, the first electrode layer including a plurality of electrodes; a second substantially transparent substrate; a second electrode layer disposed on the second substantially transparent substrate; and a liquid crystal layer located between the first electrode layer and the second electrode layer. The controller is configured to generate a refractive index pattern of liquid crystal layer by controlling voltage applied on the first electrode layer and the second electrode layer.

公开(公告)号：US10891619B2

公开(公告)日：2021-01-12

申请号：US16843920

申请日：2020-04-09

Applicant: Capital One Services, LLC

Inventor： James Zarakas ,  David Wurmfeld ,  Tyler Locke

IPC: G06Q20/40 ,  G06Q20/34 ,  G06K19/02 ,  G06K19/077 ,  G06K19/04 ,  G06Q20/32 ,  G06Q20/20 ,  G06Q20/38 ,  G06K19/07 ,  G06K19/06

Abstract: 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.

公开(公告)号：US20200234281A1

公开(公告)日：2020-07-23

申请号：US16843920

申请日：2020-04-09

Applicant: Capital One Services, LLC

Inventor： James Zarakas ,  David Wurmfeld ,  Tyler Locke

IPC: G06Q20/34 ,  G06K19/04 ,  G06K19/02 ,  G06K19/077 ,  G06Q20/32 ,  G06Q20/20 ,  G06Q20/40 ,  G06Q20/38 ,  G06K19/07 ,  G06K19/06

Abstract: 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.

公开(公告)号：US10704121B1

公开(公告)日：2020-07-07

申请号：US16548486

申请日：2019-08-22

Applicant: Capital One Services, LLC

Inventor： David Wurmfeld ,  Kevin Osborn

IPC: C22B9/05 ,  H05H1/00 ,  C22B4/00 ,  C22B1/16

Abstract: A method of reducing metal oxides in a plasma arc torch comprising a cathode and an anode. The method comprises collecting a set of metallic oxide ore and filtering the set of ore based on a particle size. The method further comprises preprocessing the filtered ore with the application of a heat gradient or an electric current. The preprocessed ore is mixed with a composition of reduction gases. The mixture is injected into the plasma arc torch to form a post-plasma mixture. The method further comprises collecting the post-plasma mixture and analyzing the post-plasma mixture. The method also comprises separating the post-plasma mixture into a set of slag and a set of liquid.

公开(公告)号：US10693232B2

公开(公告)日：2020-06-23

申请号：US16263498

申请日：2019-01-31

Applicant: Capital One Services, LLC

Inventor： David Wurmfeld

IPC: H01Q7/06 ,  G08B6/00 ,  H01Q7/04 ,  G06F3/01

Abstract: Systems and methods are provided for providing vibration transduction and radio-frequency communication in proximity to an electrically conductive structure. The system may comprise an antenna element, an electrically conductive structure in proximity to the antenna element, and a vibration transducer comprising a material. The material may comprise a ferromagnetic material with piezoelectric properties. The vibration transducer may be positioned between the antenna element and the conductive structure.

公开(公告)号：US10657518B2

公开(公告)日：2020-05-19

申请号：US16681862

申请日：2019-11-13

Applicant: Capital One Services, LLC

Inventor： James Zarakas ,  David Wurmfeld ,  Tyler Locke

IPC: G06Q20/34 ,  G06K19/04 ,  G06K19/07 ,  G06Q20/20 ,  G06Q20/32 ,  G06K19/077 ,  G06K19/02 ,  G06Q20/40 ,  G06K19/06 ,  G06Q20/38

Abstract: 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.

公开(公告)号：US10555434B2

公开(公告)日：2020-02-04

申请号：US16369212

申请日：2019-03-29

Applicant: Capital One Services, LLC

Inventor： David Wurmfeld

IPC: H05K7/14 ,  H05K7/20 ,  G06F11/20

Abstract: A bracket for mounting a processor and a support structure for receiving bracket-supported processors for cluster computing are provided. In some embodiments, a bracket may be configured to receive a processor and fasten the processor to the bracket. The bracket may be configured to mount the processor to a support structure. The support structure may be configured to receive an array of brackets. The support structure may be configured to be stacked in combination with additional support structures.

公开(公告)号：US20200027077A1

公开(公告)日：2020-01-23

申请号：US16581793

申请日：2019-09-25

Applicant: Capital One Services, LLC

Inventor： James Zarakas ,  Adam R. Koeppel ,  Kevin Kelly ,  David Wurmfeld

IPC: G06Q20/34 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q20/40 ,  G06K19/04

Abstract: A system for securely updating an electronic transaction card held by an account holder with an additional account and/or account data. A dynamic transaction card may be securely updated with an additional account by using pre-stored shell data and/or inactive data, whereby the pre-stored shell data may be populated using data received from an issuer system and/or the inactive data may be activated via an activation signal received from an issuer system. A backend server may determine, via a fraud determination, expiration determination, and/or user-request, that new account data should be transmitted to an account holder. The dynamic transaction card may receive the data associated with a notification, update a display, instruct an EMV applet to use a key associated with a received EMV key identifier for signatures, and/or update any additional data stored on the dynamic transaction card.