公开(公告)号：US10960684B1

公开(公告)日：2021-03-30

申请号：US16683462

申请日：2019-11-14

Applicant: Capital One Services, LLC

Inventor： David Wurmfeld ,  Steve Faletti

IPC: B41J3/28 ,  B41M3/14 ,  G06Q20/04 ,  B42D25/29 ,  B42D25/30

Abstract: Aspects described herein may provide detection of a feature of an authorization code image (ACI) incorporated onto a document, thereby allowing for validation of the document. According to some aspects, these and other benefits may be achieved by an instance of a variable protocol that may specify how to generate the ACI to have a particular feature as well as how to detect the particular feature of the ACI. A recipient of the document incorporating the ACI may detect the particular feature of the ACI. If the detected feature matches an expected feature, then the ACI and the document may be determined to be authentic.

公开(公告)号：US10943511B2

公开(公告)日：2021-03-09

申请号：US16421247

申请日：2019-05-23

Applicant: Capital One Services, LLC

Inventor： David Wurmfeld

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

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：US20210049279A1

公开(公告)日：2021-02-18

申请号：US17085076

申请日：2020-10-30

Applicant: Capital One Services, LLC

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

IPC: G06F21/57 ,  G06F8/654 ,  H01L23/00 ,  G06F21/86 ,  G06K19/073 ,  G06F21/77

Abstract: 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.

公开(公告)号：US10923925B2

公开(公告)日：2021-02-16

申请号：US16783777

申请日：2020-02-06

Applicant: Capital One Services, LLC

Inventor： David Wurmfeld ,  Tyler Locke

IPC: G06K19/07 ,  H02J7/00 ,  H02J50/10 ,  H02J50/12 ,  H02J7/02 ,  H02J7/34

Abstract: 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.

公开(公告)号：US10902413B2

公开(公告)日：2021-01-26

申请号：US16591659

申请日：2019-10-03

Applicant: Capital One Services, LLC

Inventor： David Wurmfeld ,  Tyler Locke

IPC: G06Q20/34 ,  G06K19/07 ,  G06K19/077 ,  G06Q20/10 ,  G06Q20/04 ,  G07F7/08 ,  G09B21/00 ,  G06K19/02 ,  G06K19/04 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q20/40

Abstract: 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.

公开(公告)号：US10783851B2

公开(公告)日：2020-09-22

申请号：US16405700

申请日：2019-05-07

Applicant: Capital One Services, LLC

Inventor： David Wurmfeld

IPC: G09G3/36 ,  G09G5/10 ,  G02F1/01 ,  G02F1/1347 ,  G09G5/14 ,  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：US10783423B2

公开(公告)日：2020-09-22

申请号：US16720458

申请日：2019-12-19

Applicant: Capital One Services, LLC

Inventor： David Wurmfeld ,  Tyler Locke ,  Theodore Markson ,  Adam Koeppel

IPC: G06K19/077 ,  G06K19/02 ,  G06Q20/40 ,  G06Q20/34

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 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.

公开(公告)号：US10657520B2

公开(公告)日：2020-05-19

申请号：US16507784

申请日：2019-07-10

Applicant: Capital One Services, LLC

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

IPC: G06Q20/40 ,  G06Q20/34 ,  G06K19/07 ,  G06K19/077 ,  G06Q20/10 ,  G06Q20/04 ,  G07F7/08 ,  G09B21/00 ,  G06K19/02 ,  G06K19/04 ,  G06Q20/32 ,  G06Q20/38

Abstract: 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.

公开(公告)号：US20200125914A1

公开(公告)日：2020-04-23

申请号：US16720458

申请日：2019-12-19

Applicant: Capital One Services, LLC

Inventor： David Wurmfeld ,  Tyler Locke ,  Theodore Markson ,  Adam Koeppel

IPC: G06K19/077 ,  G06K19/02

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 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.

公开(公告)号：US10595432B2

公开(公告)日：2020-03-17

申请号：US16259061

申请日：2019-01-28

Applicant: Capital One Services, LLC

Inventor： David Wurmfeld

IPC: H05K7/14 ,  H05K7/20 ,  G06F1/18 ,  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.