公开(公告)号：US10205238B1

公开(公告)日：2019-02-12

申请号：US15944727

申请日：2018-04-03

Applicant: Capital One Services, LLC

Inventor： David Wurmfeld

IPC: H01Q7/06 ,  G06F3/01 ,  G08B6/00

Abstract: Systems and methods are provided for providing vibration transduction and radio-frequency communication in proximity to an electrically conductive structure. The system may comprise an antenna element, an electrically conductive structure in proximity to the antenna element, and a vibration transducer comprising a material. The material may comprise a ferromagnetic material with piezoelectric properties. The vibration transducer may be positioned between the antenna element and the conductive structure.

公开(公告)号：US10097053B2

公开(公告)日：2018-10-09

申请号：US15666642

申请日：2017-08-02

Applicant: Capital One Services, LLC

Inventor： Adam Koeppel ,  Tyler Locke ,  David Wurmfeld

IPC: H04B5/00 ,  H02J50/80 ,  G06F9/54 ,  H04W76/02 ,  H04W8/00 ,  H04W4/00 ,  H02J7/02 ,  G06K19/07 ,  H04W76/10 ,  H04W4/80 ,  G06K19/04

Abstract: Using inductive currents to wirelessly charge a device via a device connected to a power source. This inductive charging may result when a first mobile device recognizes a second mobile device via a wireless connection (e.g., Bluetooth, Bluetooth Low Energy (BLE), Near-Field Communication (NFC), or the like). An application stored on the first mobile device may recognize a second mobile device by transmitting an advertising packet when the first mobile device is connected to a power source. An advertising packet may be received by the second mobile device and the second mobile device may transmit a response to the advertising packet in order to generate a connection between the first and second mobile devices. The response may include data such as, connection strength, response time, connection preferences, and the like. Upon detection and connection, the second mobile device may be wirelessly charged by the first device via inductive charging.

公开(公告)号：US10089569B2

公开(公告)日：2018-10-02

申请号：US15624929

申请日：2017-06-16

Applicant: Capital One Services, LLC.

Inventor： David Wurmfeld ,  James Zarakas ,  Theodore Markson ,  Saleem Sangi ,  Tyler Locke ,  Kevin Kelly

IPC: G06K19/02 ,  G06K19/073 ,  G06K19/077

Abstract: A dynamic transaction card that is manufactured using conductive plastic jumpers that will dissolve when in contact with a solvent used to tamper with the dynamic transaction card. Internal components of a dynamic transaction card may be manufactured using a synthetic or semi-synthetic organic material, such as, for example, plastics. These materials may be conductive to provide functionality to a dynamic transaction card, such as a connection between an integrated circuit and other card components such that when the materials dissolve, the connections are broken and the dynamic transaction card may be inactive due to the loss of various connections.

公开(公告)号：US20240029043A1

公开(公告)日：2024-01-25

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

CPC classification number: G06Q20/204 ,  G06Q20/3223 ,  G06Q20/341 ,  G06Q20/352 ,  G06Q20/20 ,  G06Q20/3226 ,  G07F7/084 ,  G07F7/0846 ,  G06F21/34 ,  G06Q20/382 ,  G06Q30/06 ,  G07F7/1008 ,  H04B5/0031 ,  G06Q20/3221 ,  G06Q20/3278 ,  G06Q20/346 ,  G07F7/0866

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：US11831639B2

公开(公告)日：2023-11-28

申请号：US17499219

申请日：2021-10-12

Applicant: Capital One Services, LLC

Inventor： David Wurmfeld

IPC: G06F21/31 ,  G06F21/55 ,  G06Q20/40 ,  H04W12/06 ,  G06V40/70 ,  H04L9/40

CPC classification number: H04L63/0861 ,  G06F21/31 ,  G06F21/554 ,  G06Q20/40 ,  G06V40/70 ,  H04L63/0853 ,  H04L63/102 ,  H04L63/107 ,  H04W12/06

Abstract: Systems and methods for using micro accelerations as a biometric factor for multi-factor authentication, the method including receiving, filtering, and determining an identifying pattern from micro acceleration data representative of the user, storing the identifying pattern for later use in authenticating the identity of the user, and using the identifying pattern as one factor in a multi factor authentication.

公开(公告)号：US11640467B2

公开(公告)日：2023-05-02

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 ,  G06F21/72

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：US11587410B2

公开(公告)日：2023-02-21

申请号：US17580093

申请日：2022-01-20

Applicant: Capital One Services, LLC

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

IPC: G07F19/00

Abstract: The present disclosure relates to systems and methods for using transparent surfaces at an automated teller machine. In one implementation, a method of visualizing a deposit at an automated teller machine includes receiving a command to deposit at least one depository element; determining an amount associated with the command; displaying, on a transparent surface of the automated teller machine configured to allow a user of the automated teller machine to view the at least one depository element, a visual representation of the determined amount; and receiving, concurrent with or after displaying, a verification of the amount.

公开(公告)号：US11449846B2

公开(公告)日：2022-09-20

申请号：US17100413

申请日：2020-11-20

Applicant: CAPITAL ONE SERVICES, LLC

Inventor： David Wurmfeld

IPC: G06Q20/10 ,  G06K19/07 ,  G07F19/00 ,  G06Q20/40 ,  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：US11341390B2

公开(公告)日：2022-05-24

申请号：US17086096

申请日：2020-10-30

Applicant: Capital One Services, LLC

Inventor： Kevin Osborn ,  David Wurmfeld

IPC: G06K19/077

Abstract: A method of forming a contactless transaction card. The method may include providing a card body, defining a window, and attaching an antenna assembly layer to the card body, where the antenna assembly layer includes an antenna, a set of curable connectors, disposed on a set of end regions of the antenna within the window, and a UV-transparent layer, supporting the antenna. The method may include providing a contactless chip module within the window on a first side of the antenna assembly layer, and directing radiation through the UV-transparent layer, wherein the contactless chip module is electrically connected to the antenna via the curable connectors.

公开(公告)号：US20220012713A1

公开(公告)日：2022-01-13

申请号：US17486289

申请日：2021-09-27

Applicant: Capital One Services, LLC

Inventor： Janak Dadhaniya ,  Matthew Wilson ,  Lisa Whitsitt ,  Cheng Xu ,  Robert Smith ,  Steve Faletti ,  David Wurmfeld

IPC: G06Q20/32 ,  G06F3/14 ,  G07F19/00

Abstract: An automated teller machine (ATM) has a display and a wireless communication interface. The ATM may detect a proximity of a mobile computing device and exhibit on its display an indication of the proximity of mobile computing device to the ATM. The ATM may also be configured to detect when the mobile computing device and the ATM have established a wireless communication connection and display a visual cue on the display that the wireless connection has been established. The ATM is configured to synchronize the display of the ATM with a display of the mobile computing device. The displays may be synched temporally and positionally and may display the same or related content, such as an image or animation at the same time.