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21.发明公开公开(公告)号：US20230169504A1
公开(公告)日：2023-06-01
申请号：US18159174
申请日：2023-01-25
发明人： George BERGERON , Adam VUKICH , James ZARAKAS
CPC分类号： G06Q20/401 , G06Q20/352 , G07B15/00 , G06Q20/409 , G06K7/087 , H04L9/3234 , H04L2209/56 , G06Q2240/00 , G06Q2220/00
摘要： A toll transponder may receive transaction card data identifying a transaction card associated with a transaction account. The toll transponder may provide to a toll server device, and via a toll antenna of a toll collection system, a request for a transaction amount for a vehicle toll, and may receive a response requesting authorization for payment of the transaction amount. The toll transponder may determine, based on the response, an authorization request cryptogram for payment of the transaction amount, and generate an encrypted signal identifying the authorization request cryptogram, the transaction card data, and a toll transponder identifier identifying the toll transponder. The toll transponder may provide the encrypted signal to the toll server device via the toll antenna, and may receive from the toll server device, via the toll antenna, data indicating whether the transaction amount for the vehicle toll is approved.
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公开(公告)号：US20230118529A1
公开(公告)日：2023-04-20
申请号：US18052673
申请日：2022-11-04
发明人： Molly JOHNSON , James ZARAKAS , Adam VUKICH
IPC分类号： G06Q20/34 , G06K19/077
摘要： A controller of a transaction card may cause the transaction card to be in a first state. The transaction card may include a battery and at least one other component. In the first state, the battery does not provide power to the at least one other component of the transaction card. The transaction card may receive a signal from a near-field communication (NFC) device and may cause the transaction card to be in a second state based on receiving the signal. In the second state, the battery provides power to the at least one other component of the transaction card. The transaction card may perform a transaction based on the transaction card being in the second state.
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公开(公告)号：US20220218125A1
公开(公告)日：2022-07-14
申请号：US17656712
申请日：2022-03-28
发明人： Adam VUKICH , James ZARAKAS , Molly JOHNSON
摘要： A multi-function transaction card may receive, from shelf sensors, first data indicating that items have been removed from shelves by a customer of a merchant, and may receive, from shopping cart sensors, second data indicating that the items have been placed in a shopping cart. The multi-function transaction card may receive, based on the first data and the second data, item data identifying the items placed in the shopping cart, wherein the item data is received from price tags of the items. The multi-function transaction card may store the item data, and may provide, to a transaction terminal of the merchant, the item data identifying the items and customer data identifying the customer. The multi-function transaction card may receive, from the transaction terminal, transaction data identifying a transaction that charges the multi-function transaction card for a total cost of the items.
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公开(公告)号：US20220147782A1
公开(公告)日：2022-05-12
申请号：US17582245
申请日：2022-01-24
发明人： Kevin OSBORN , James ZARAKAS , Saleem SANGI , Jeffrey RULE
IPC分类号： G06K19/073 , G06K19/07
摘要： A secure smart card is described. The smart card can include a processor, a memory and a transceiver. The smart card can communicate with various terminals and store a digital signature and other information on the card. Another terminal can validate the information stored on the smart card using the digital signature. In certain embodiments, the terminal can also validate the information by using a blockchain. The advanced design of the smart card obviates the need for a network connection.
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公开(公告)号：US20220019999A1
公开(公告)日：2022-01-20
申请号：US17488485
申请日：2021-09-29
发明人： James ZARAKAS , Adam KOEPPEL , Kevin KELLY , David WURMFELD
IPC分类号： G06Q20/34 , G06K19/07 , G06K19/077 , G06Q20/10 , G06Q20/04 , G07F7/08 , G09B21/00 , G06K19/02 , G06K19/04 , G06Q20/32 , G06Q20/38 , G06Q20/40
摘要： A system for securely updating an electronic transaction card held by an account holder with an additional account and/or account data is described. 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 a mobile device. 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.
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公开(公告)号：US20210390359A1
公开(公告)日：2021-12-16
申请号：US17446337
申请日：2021-08-30
发明人： Adam R. KOEPPEL , Molly JOHNSON , Tyler LOCKE , James ZARAKAS
IPC分类号： G06K19/07
摘要： 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.
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公开(公告)号：US20210365977A1
公开(公告)日：2021-11-25
申请号：US16881666
申请日：2020-05-22
发明人： James ZARAKAS , Adam VUKICH , Molly JOHNSON
摘要： A device may receive, from a client device associated with a customer, an agreement of the customer to join a rewards program, and may receive, from the client device and based on the customer joining the rewards program, item data identifying an item placed in a shopping cart by the customer and customer data identifying the customer, wherein the item data is received by a transaction card from a price tag of the item, and wherein the item data is received after the item has been removed from a shelf and placed in the shopping cart. The device may receive rewards data identifying rewards associated with a plurality of items, and may process the item data, the rewards data, and the customer data, with a machine learning model, to identify a reward for the customer. The device may provide, to the client device, data identifying the reward.
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公开(公告)号：US20210352459A1
公开(公告)日：2021-11-11
申请号：US17385278
申请日：2021-07-26
发明人： James ZARAKAS , Kevin P. KELLY , Saleem SANGI , Adam KOEPPEL
IPC分类号： H04W4/80 , H04L29/06 , G06Q20/34 , G06Q20/38 , H04W12/06 , H04W12/04 , H04L9/08 , H04W8/00 , G06Q20/32 , G06Q20/36 , H04W12/50
摘要： A method and system for automatically connecting one customer device with another over a Bluetooth or similar connection. The automatic connection may be made by generating a unique identifier to store on a new customer device and a backend system associated with an existing customer device and connecting the new customer device with the existing customer device using the unique identifier.
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29.发明申请公开(公告)号：US20210304163A1
公开(公告)日：2021-09-30
申请号：US16828066
申请日：2020-03-24
发明人： Adam VUKICH , James ZARAKAS , Molly JOHNSON
摘要： In a method for conducting a transaction using a transaction card, communication between the card's data processor and a transaction terminal is established and the data processor receives from the terminal first transaction information for a financial transaction, the information including a transaction type and a monetary value. The data processor transmits to a user device a cryptocurrency transaction processing request including identification of an amount of cryptocurrency stored in the card's memory that has a value equal to the transaction monetary value. At least a portion of the request is encrypted using private and public encryption keys. The request is configured for retransmission by the user device to a cryptocurrency exchange processor. The card's data processor transmits to the transaction terminal second transaction information usable by the transaction terminal to complete the transaction and updates a cryptocurrency balance stored in the card's memory.
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公开(公告)号：US20210224625A1
公开(公告)日：2021-07-22
申请号：US17248431
申请日：2021-01-25
发明人： Adam KOEPPEL , James ZARAKAS , Molly JOHNSON , Tyler LOCKE
摘要： 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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