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公开(公告)号：US12014391B2
公开(公告)日：2024-06-18
申请号：US18318935
申请日：2023-05-17
发明人： James Zarakas , Adam Vukich , Molly Johnson
IPC分类号： G06Q30/02 , G06N20/00 , G06Q20/20 , G06Q20/34 , G06Q30/0207 , G06Q30/0283 , G06Q30/0601
CPC分类号： G06Q30/0222 , G06N20/00 , G06Q20/208 , G06Q20/341 , G06Q30/0283 , G06Q30/0611
摘要： A device may obtain, from a client device associated with a customer and based on the customer joining a rewards program, item data identifying an item, of a plurality of items, placed in a shopping cart and customer data identifying the customer, obtain rewards data identifying rewards associated with the plurality of items, process the item data, the rewards data, and the customer data, with a machine learning model, to identify a reward based on the rewards data associated with the item, verify a completed purchase of the item based on data indicating an intent of the customer to purchase the item and transaction data, provide, to the client device, data identifying the identified reward based on verifying the completed purchase of the item, and retrain the machine learning model based on the identified reward.
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公开(公告)号：US11842331B2
公开(公告)日：2023-12-12
申请号：US16169769
申请日：2018-10-24
发明人： Adam R. Koeppel , James Zarakas , Molly Johnson , Tyler Locke
CPC分类号： G06Q20/3278 , G06Q20/102 , G06Q20/3224 , H04L63/0853 , H04L63/0869 , H04W84/18 , G06Q2220/00
摘要： A device may include a processor, a wireless transceiver in communication with the processor, and a non-transitory memory. The memory may store instructions that, when executed by the processor, cause the processor to perform processing. The processing may include sending, by the wireless transceiver, a request to share a transaction to at least one external user device in communication range of the device. The processing may include receiving, at the wireless transceiver, at least one sharing confirmation from the at least one external user device. The processing may include generating a transaction request. The transaction request may include data describing the transaction and a transaction portion to be paid by an account associated with the device. The processing may include sending the transaction request to a transaction service for fulfillment.
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公开(公告)号：US11836559B2
公开(公告)日：2023-12-05
申请号：US18056793
申请日：2022-11-18
发明人： Adam Koeppel , James Zarakas , Molly Johnson , Tyler Locke
CPC分类号： G06K19/0707 , G06K19/045 , G06Q20/3278 , G06Q20/352 , G06Q20/3552 , G06Q20/3563 , G06Q20/3672 , G06Q40/02
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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公开(公告)号：US11824598B2
公开(公告)日：2023-11-21
申请号：US17247619
申请日：2020-12-18
发明人： Adam Koeppel , Tyler Locke , Kevin Kelly , Robert Perry , James Zarakas
CPC分类号： H04B5/0031 , H04B5/0037 , H04W4/80 , H04W52/0261 , H04B5/0056
摘要： In some implementations, a near field communication (NFC) device may determine whether the NFC device is to perform a wireless transaction in a powered mode or an unpowered mode, and may selectively perform the wireless transaction in the powered mode or the unpowered mode based on determining whether the NFC device is to perform the wireless transaction in the powered mode or the unpowered mode. The wireless transaction may be performed using power from a power source internal to the NFC device when the wireless transaction is performed in the powered mode. The wireless transaction may be performed without using power from the power source internal to the NFC device when the wireless transaction is performed in the unpowered mode.
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公开(公告)号：US11775960B2
公开(公告)日：2023-10-03
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
CPC分类号： G06Q20/352 , G06K19/07777 , G06Q20/341
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：US11640467B2
公开(公告)日：2023-05-02
申请号：US17085076
申请日：2020-10-30
发明人： James Zarakas , David Wurmfeld , Brennon York , Tyler Locke
摘要： 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.
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公开(公告)号：US11582050B2
公开(公告)日：2023-02-14
申请号：US17532242
申请日：2021-11-22
发明人： James Zarakas , George Bergeron , Adam Vukich
IPC分类号： H04L12/18 , G06N20/00 , G06Q10/1093
摘要： In order to facilitate electronic meeting scheduling and coordination, systems and methods are disclosed including receiving, by a processor, a plurality of electronic meeting requests to schedule a meeting. The processor determines, for each electronic meeting request, meeting room needs. A meeting scheduling machine learning model is utilized to predict parameters of meeting room objects representing the candidate meeting rooms based at least in part on the meeting room needs, schedule information associated with a respective electronic meeting request and location information associated with the respective electronic meeting request. The processor causes an indication of the candidate meeting rooms to display in response to the electronic meeting request on a screen of computing devices associated with the respective attendees based at least in part on the predicted parameters. The processor receives a selection of the respective candidate meeting rooms from the respective attendees, and dynamically secures each candidate meeting room.
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公开(公告)号：US11580343B2
公开(公告)日：2023-02-14
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：US11501303B2
公开(公告)日：2022-11-15
申请号：US16947358
申请日：2020-07-29
发明人： Molly Johnson , Adam Vukich , James Zarakas
摘要： A fraud detection platform may receive transaction data relating to a transaction conducted by a user with a transaction card. The fraud detection platform may receive, from a biometric sensor of the transaction card, biometric data relating to one or more biometric characteristics of the user during the transaction. The fraud detection platform may receive, from an accelerometer of the transaction card, card movement data relating to a measure of shaking of the transaction card by the user during the transaction. The fraud detection platform may process the transaction data, the biometric data, and the card movement data, with a fraud detection model, to determine a fraud score associated with the transaction. The fraud detection platform may perform one or more actions based on the fraud score.
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公开(公告)号：US11494759B2
公开(公告)日：2022-11-08
申请号：US17305678
申请日：2021-07-13
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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