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公开(公告)号：US20230078500A1
公开(公告)日：2023-03-16
申请号：US18056793
申请日：2022-11-18
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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公开(公告)号：US20230046788A1
公开(公告)日：2023-02-16
申请号：US17403470
申请日：2021-08-16
发明人： James ZARAKAS , George BERGERON , Adam VUKICH
IPC分类号： H04L29/06 , G06K19/077
摘要： Systems and methods for counter resynchronization can include one or more servers each including a memory and one or more processors. The one or more servers can be in data communication with a transmitting device. The one or more processors can be configured to determine one or more reset events. The one or more processors can be configured to generate a resync value. The one or more processors can be configured to transmit, via one or more scripts, the resync value to the transmitting device according to one or more prioritization factors and in response to the one or more reset events. The one or more processors can be configured to replace the counter value with the resync value in accordance with the one or more prioritization factors.
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公开(公告)号：US20220164617A1
公开(公告)日：2022-05-26
申请号：US17669676
申请日：2022-02-11
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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公开(公告)号：US20220036361A1
公开(公告)日：2022-02-03
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：US20210357911A1
公开(公告)日：2021-11-18
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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公开(公告)号：US20210279715A1
公开(公告)日：2021-09-09
申请号：US16813415
申请日：2020-03-09
IPC分类号： G06Q20/34
摘要： A transaction card receives sound waves that represent a user command, where the user command identifies one or more transaction restrictions of the transaction card. The transaction card converts the sound waves to a digital signal and identifies, based on an analysis of the digital signal, user command data that identifies the user command. The transaction card sets, based on identifying the user command data, one or more transaction restriction values for the one or more transaction restrictions. The transaction card receives transaction metadata associated with a transaction and determines whether the transaction is compliant with the one or more transaction restrictions. The transaction card causes, based on determining whether the transaction is compliant with the one or more transaction restrictions, the transaction to be processed by a server device, or to be declined.
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公开(公告)号：US20200380324A1
公开(公告)日：2020-12-03
申请号：US16996445
申请日：2020-08-18
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：US20200026973A1
公开(公告)日：2020-01-23
申请号：US16554881
申请日：2019-08-29
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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49.发明申请公开(公告)号：US20190213581A1
公开(公告)日：2019-07-11
申请号：US15867233
申请日：2018-01-10
发明人： James ZARAKAS , Molly JOHNSON , Robert PERRY , Adam KOEPPEL , Tyler LOCKE
CPC分类号： G06Q20/3674 , G06F3/017 , G06F21/35 , G06Q20/105 , G06Q20/3226 , G06Q20/3227 , G06Q20/3278 , G06Q20/353 , G06Q40/02 , G07F7/0833 , H04L9/0877 , H04L63/0853 , H04L2463/082 , H04W4/80 , H04W84/12
摘要： A transaction card includes a near-field communication (NFC) component, a security component, a wireless component, one or more memories, and one or more processors communicatively coupled to the one or more memories. The device receives a signal from a user device attempting to access a secure application, and energizes the NFC component based on the signal received from the user device. The device causes the security component to generate an encrypted code based on the NFC component being energized, and provides, via the security component, the encrypted code to the wireless component. The device provides, via the wireless component, the encrypted code to the user device to permit the user device to utilize the encrypted code as authentication for accessing the secure application.
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50.发明申请公开(公告)号：US20190102766A1
公开(公告)日：2019-04-04
申请号：US15725022
申请日：2017-10-04
发明人： Adam KOEPPEL , James ZARAKAS
摘要： An example electronic wallet device may include a plurality of card slots configured to hold transaction cards, each card slot, of the plurality of card slots, including a card reader, and the plurality of card slots holding at least two transaction cards; and one or more processors to receive transaction information associated with a transaction at a transaction terminal, select a transaction card, of the at least two transaction cards based on the received transaction information, and/or provide a transaction token, associated with the selected transaction card to be used in connection with the transaction terminal to process the transaction.
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