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    SMART CARD SECURE ONLINE CHECKOUT
    12.
    发明申请
    SMART CARD SECURE ONLINE CHECKOUT 有权

    公开(公告)号：US20250069075A1

    公开(公告)日：2025-02-27

    申请号：US18945429

    申请日：2024-11-12

    Applicant: Capital One Services, LLC

    Inventor： James Zarakas ,  Mohamed Lafeer ,  Molly Johnson ,  Saleem Sangi ,  Kevin Kelly ,  Adam Koeppel

    IPC: G06Q20/38 ,  G06F16/951 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/40 ,  G06Q30/0601

    Abstract: Wireless communication technologies, a dynamic transaction card, and a mobile application may be utilized to facilitate multi-factor authentication and secure electronic checkout of any website. A wireless connection between a dynamic transaction card and a user device may be utilized to authenticate a user. A user device application may be triggered to call, via an application programming interface (API), an account provider system, and this unique pairing may automatically facilitate payment to a merchant system associated with the electronic check out page. The account provider system may send a push notification to a browser extension associated with the checkout page to prompt the browser extension to populate fields on the electronic checkout page using user account information transmitted from the account provider system, providing a novel digital authentication framework that utilizes digital authentication techniques enables by user devices and dynamic transaction cards to seamlessly facilitate electronic checkout.

    SMART CARD NFC SECURE MONEY TRANSFER
    16.
    发明申请
    SMART CARD NFC SECURE MONEY TRANSFER 有权

    公开(公告)号：US20210374706A1

    公开(公告)日：2021-12-02

    申请号：US17402687

    申请日：2021-08-16

    Applicant: Capital One Services, LLC

    Inventor： Tyler Locke ,  Kevin Kelly ,  David Wurmfeld

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

    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.

    Smart card NFC secure money transfer
    17.
    发明授权
    Smart card NFC secure money transfer 有权

    公开(公告)号：US11093923B2

    公开(公告)日：2021-08-17

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

    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.

    SYSTEM, METHOD, AND APPARATUS FOR UPDATING AN EXISTING DYNAMIC TRANSACTION CARD
    18.
    发明申请
    SYSTEM, METHOD, AND APPARATUS FOR UPDATING AN EXISTING DYNAMIC TRANSACTION CARD 审中-公开

    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.

    SMART CARD NFC SECURE MONEY TRANSFER
    19.
    发明申请
    SMART CARD NFC SECURE MONEY TRANSFER 审中-公开

    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.

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