公开(公告)号：US20190311344A1

公开(公告)日：2019-10-10

申请号：US16450350

申请日：2019-06-24

Applicant: Capital One Services, LLC

Inventor： Tyler Locke ,  Kevin Kelly ,  David Wurmfeld

IPC: G06Q20/20 ,  G07F7/08 ,  G06Q20/32 ,  H04B5/00 ,  G06Q20/38 ,  G06F21/34 ,  G06Q20/34 ,  G07F7/10 ,  G06Q30/06

Abstract: 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.

公开(公告)号：US10380471B2

公开(公告)日：2019-08-13

申请号：US15098935

申请日：2016-04-14

Applicant: Capital One Services, LLC.

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

IPC: G06K19/07 ,  H02J7/02 ,  G06K19/077 ,  H02J7/34 ,  H02J50/00

Abstract: A dynamic transaction card including: a printed circuit board (PCB); a power source integrated with the PCB configured to receive power from a smart card terminal, the power source comprising a battery attached to at least one side of the PCB and a capacitor; a power conditioning circuit configured to control power to be stored in the power source; and a power management component connected to the power source, the power management component being configured to manage charging and discharging power to and from the power source.

公开(公告)号：US10332486B2

公开(公告)日：2019-06-25

申请号：US15907556

申请日：2018-02-28

Applicant: Capital One Services, LLC

Inventor： David Wurmfeld

IPC: G09G3/36 ,  G09G5/10 ,  G09G5/14 ,  G02F1/01 ,  G02F1/1347 ,  G06F3/0488

Abstract: The embodiments include systems and methods for adjustable polarization in service-providing terminals. In some embodiments, a system may include a display, an input device, an adjustable polarization screen adjacent to the display, and a polarization adjuster. The system may further include a processor configured to execute instructions to perform operations comprising providing illumination to the adjustable polarization screen through the display, controlling, via the polarization adjuster, a polarization of the adjustable polarization screen to a first polarization, receiving, via the input device, a polarization selection input, and based on the polarization selection input, adjusting, via the polarization adjuster, the polarization of the adjustable polarization screen from the first polarization to a second polarization.

公开(公告)号：US10332102B2

公开(公告)日：2019-06-25

申请号：US15098585

申请日：2016-04-14

Applicant: Capital One Services, LLC.

Inventor： James Zarakas ,  Theodore Markson ,  Adam Koeppel ,  Kevin Kelly ,  Brian Briggman ,  Saleem Sangi ,  David Wurmfeld ,  Tyler Locke ,  Karla Escalante

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

Abstract: 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.

公开(公告)号：US09990795B2

公开(公告)日：2018-06-05

申请号：US15098830

申请日：2016-04-14

Applicant: Capital One Services, LLC.

Inventor： David Wurmfeld ,  Tyler Locke ,  Adam Koeppel

IPC: G07F7/10 ,  G06K19/077 ,  G06Q20/34

CPC classification number: G07F7/10 ,  G06K19/0772 ,  G06Q20/341

Abstract: 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.

公开(公告)号：US09965632B2

公开(公告)日：2018-05-08

申请号：US15099048

申请日：2016-04-14

Applicant: Capital One Services, LLC.

Inventor： James Zarakas ,  David Wurmfeld ,  Brennon York ,  Tyler Locke

IPC: G06F9/44 ,  G06F21/57 ,  G06F21/72 ,  G06F21/77 ,  G06F9/445

CPC classification number: G06F21/572 ,  G06F8/65 ,  G06F8/654 ,  G06F9/4401 ,  G06F21/72 ,  G06F21/77 ,  G06F2221/033 ,  G06F2221/2143 ,  G06F2221/2153 ,  G06K19/0723 ,  H04L63/0428 ,  H04L63/123

Abstract: 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.

公开(公告)号：US20170185980A1

公开(公告)日：2017-06-29

申请号：US15389313

申请日：2016-12-22

Applicant: Capital One Services, LLC

Inventor： David Wurmfeld

IPC: G06Q20/10 ,  G07F19/00 ,  G06Q20/40 ,  G06K19/07

CPC classification number: G06Q20/1085 ,  G06K19/0718 ,  G06Q20/40145 ,  G07F19/202 ,  G07F19/203 ,  G07F19/206 ,  G07G1/01

Abstract: Computer implemented systems and methods are provided for an automatic teller machine. In some embodiments, an automatic teller machine may comprise a touch-sensitive display, one or more memory devices storing instructions, and one or more processors. The one or more processors may be configured to receive authentication data associated with a user, retrieve user profile information based on the authentication data, determine user interface attributes based on the user profile information; and generate an automatic teller machine interface based on the user profile information.

公开(公告)号：US12243038B2

公开(公告)日：2025-03-04

申请号：US18470371

申请日：2023-09-19

Applicant: Capital One Services, LLC

Inventor： Tyler Locke ,  Kevin Kelly ,  David Wurmfeld

IPC: G06Q20/20 ,  G06F21/34 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/38 ,  G06Q30/06 ,  G07F7/08 ,  G07F7/10 ,  H04B5/72

Abstract: 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.

公开(公告)号：US12112311B2

公开(公告)日：2024-10-08

申请号：US18141217

申请日：2023-04-28

Applicant: Capital One Services, LLC

Inventor： Janak Dadhaniya ,  Lisa Whitsitt ,  Robert Smith ,  David Wurmfeld ,  Steve Faletti

IPC: G06Q40/00 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/40

CPC classification number: G06Q20/3223 ,  G06Q20/1085 ,  G06Q20/327 ,  G06Q20/4014

Abstract: A system and method are disclosed in which a symbol associated with an ATM of a plurality of ATMs is made available to a customer in response to a request for access to the ATM. The symbol identifies the ATM to the user in locations having multiple ATMs, thus avoiding confusion for the user. The symbol may be used for any of the possible transactions between the user and the ATM, such as balance inquiries, deposits, transfers, and cash withdrawals.

公开(公告)号：US11742894B2

公开(公告)日：2023-08-29

申请号：US17583347

申请日：2022-01-25

Applicant: Capital One Services, LLC

Inventor： Kevin Osborn ,  David Wurmfeld ,  Kevan Emmott

IPC: H04B5/00 ,  H04W4/80 ,  G06K19/07 ,  H04B5/02 ,  G06K19/077 ,  G06K7/00

CPC classification number: H04B5/0025 ,  G06K7/0008 ,  G06K19/0723 ,  G06K19/07773 ,  H04B5/0062 ,  H04B5/02

Abstract: Various embodiments are generally directed to techniques communicate in a cellular communication frequency range, detect a resonant signal in response to the communication in the cellular communication frequency range for cellular communication, the resonant signal to indicate presence of a contactless card. Embodiments also include enabling a near-field communication device to send a communication to the contactless card based on the detection of the resonant signal, the near-field communication device to communicate with the contactless card in a near-field communication frequency range.