公开(公告)号：US20180012564A1

公开(公告)日：2018-01-11

申请号：US15644263

申请日：2017-07-07

Applicant: CAPITAL ONE SERVICES, LLC

Inventor： David Wurmfeld

IPC: G09G5/10 ,  G09G3/36 ,  G09G5/14 ,  G06F3/0488

CPC classification number: G09G5/10 ,  G02F1/0136 ,  G02F1/13471 ,  G06F3/0488 ,  G09G3/36 ,  G09G5/14 ,  G09G2320/0626 ,  G09G2354/00

Abstract: Systems and methods are disclosed for adjustable polarization in service-providing terminals. In some embodiments, a system is disclosed that includes a display, an input device, an adjustable polarization screen adjacent to the display, and a polarization adjuster. The system may further include a processor configured to execute instructions to perform operations comprising providing illumination to the adjustable polarization screen through the display, controlling, via the polarization adjuster, a polarization of the adjustable polarization screen to a first polarization, receiving, via the input device, a polarization selection input, and, based on the polarization selection input, adjusting, via the polarization adjuster, the polarization of the adjustable polarization screen from the first polarization to a second polarization.

公开(公告)号：US09710744B2

公开(公告)日：2017-07-18

申请号：US15098903

申请日：2016-04-14

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

CPC classification number: G06K19/07381 ,  G06K19/07722

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：US12293342B2

公开(公告)日：2025-05-06

申请号：US17815452

申请日：2022-07-27

Applicant: CAPITAL ONE SERVICES, LLC

Inventor： David Wurmfeld

IPC: G06Q20/10 ,  G06K19/07 ,  G06Q20/40 ,  G07F19/00 ,  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：US12288077B2

公开(公告)日：2025-04-29

申请号：US17209737

申请日：2021-03-23

Applicant: Capital One Services, LLC

Inventor： Alexander Medeiros ,  Mitchell Miller ,  Rex Lacy ,  Michael Littlejohn ,  David Wurmfeld

IPC: G06F9/4401 ,  G06F21/57 ,  G06F21/60 ,  H04L9/40

Abstract: An electronic interaction device may include: a user interface configured to receive interaction requests by a user; a first data storage medium storing a first operating system; a second data storage medium storing a second operating system; a memory storing instructions; and a control unit including a processor. The control unit may be configured to: load the first operating system in response to the electronic interaction device being powered on; communicate with a remote server via a secure communications channel; transmit a status of the first operating system to the remote server via the secure communications channel; receive a boot instruction from the remote server via the secure communications channel; and in response to the boot instruction, load the second operating system.

公开(公告)号：US12190320B2

公开(公告)日：2025-01-07

申请号：US17331860

申请日：2021-05-27

Applicant: Capital One Services, LLC

Inventor： David Wurmfeld ,  Tyler Locke ,  James Zarakas ,  Adam Koeppel

IPC: G06Q20/40 ,  G06F1/32 ,  G06F3/04883 ,  G06F21/31 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/38 ,  H04W4/80

Abstract: Disclosed embodiments describe a system for completing a transaction using an electronic transaction card by receiving, from a user device executing a software application, a selection of a first account function associated with a financial transaction; determining that the account function requires user verification; detecting, via a motion detection component, a motion pattern performed on the electronic transaction card by the user; authenticating an identity of the user, by the electronic transaction card, based on the detected motion pattern; and completing, by the user device, the financial transaction.

公开(公告)号：US12124906B2

公开(公告)日：2024-10-22

申请号：US17729339

申请日：2022-04-26

Applicant: Capital One Services, LLC

Inventor： Kevin Osborn ,  David Wurmfeld

IPC: G06K19/077

CPC classification number: G06K19/07749 ,  G06K19/07722 ,  G06K19/07747 ,  H01L2224/48091 ,  H01L2224/48151

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：US12106293B2

公开(公告)日：2024-10-01

申请号：US18219577

申请日：2023-07-07

Applicant: Capital One Services, LLC

Inventor： Kevin Osborn ,  Jeffrey Rule ,  David Wurmfeld

IPC: G06Q20/38 ,  G06Q20/32 ,  G06Q20/40 ,  H04B11/00 ,  H04B13/00 ,  H04L9/32 ,  H04L9/40 ,  H04W12/33

CPC classification number: G06Q20/38215 ,  G06Q20/3227 ,  G06Q20/3825 ,  G06Q20/401 ,  G06Q2220/00

Abstract: Disclosed are examples of a method, a wearable device and a system enabling authentication of a user of a payment account or completion of a purchase transaction via signals generated by the wearable device. A process may include a wearable device generating a modulated signal using an encryption algorithm. The modulated signal may contain authentication information related to the wearable device including a cryptographic authentication message. The modulated signal is output to a biological medium interface of the wearable device that is coupled to a biological medium of a wearer of the wearable device. The biological medium is operable to conduct the modulated signal. A receiving device processes including decrypting and demodulating the modulated signal received from the biological medium. Using the demodulated signal, the authentication information transmitted from the wearable device is obtained. Based on the obtained authentication information, a transaction may be authorized, or a user authenticated.

公开(公告)号：US11978037B2

公开(公告)日：2024-05-07

申请号：US17488485

申请日：2021-09-29

Applicant: Capital One Services, LLC

Inventor： James Zarakas ,  Adam Koeppel ,  Kevin Kelly ,  David Wurmfeld

IPC: G06Q20/34 ,  G06K19/02 ,  G06K19/04 ,  G06K19/07 ,  G06K19/077 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q20/40 ,  G07F7/08 ,  G09B21/00

CPC classification number: G06Q20/353 ,  G06K19/02 ,  G06K19/045 ,  G06K19/0702 ,  G06K19/0704 ,  G06K19/0716 ,  G06K19/0717 ,  G06K19/0723 ,  G06K19/07705 ,  G06K19/07707 ,  G06K19/07722 ,  G06K19/07733 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/3278 ,  G06Q20/341 ,  G06Q20/352 ,  G06Q20/354 ,  G06Q20/3552 ,  G06Q20/3563 ,  G06Q20/3574 ,  G06Q20/3829 ,  G06Q20/4016 ,  G06Q20/405 ,  G06Q20/409 ,  G07F7/0833 ,  G07F7/0846 ,  G09B21/008

Abstract: 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.

公开(公告)号：US11855714B2

公开(公告)日：2023-12-26

申请号：US17580939

申请日：2022-01-21

Applicant: Capital One Services, LLC

Inventor： Kevin Osborn ,  David Wurmfeld

IPC: H04B5/00 ,  G06K7/10 ,  G01R33/10

CPC classification number: H04B5/0043 ,  G01R33/10 ,  G06K7/10336 ,  G06K7/10386 ,  H04B5/0031

Abstract: Various embodiments are directed to a method and system for mapping or visualizing the magnetic fields and their associated field strengths of an object, such as a mobile computing device. An example source of the magnetic fields may be a near-field communication (NFC) reader configured in the object. A computer vision system or device may track a visual marker arranged near or on a magnetic field strength detector in order to associate, match, or map the magnetic field strength measurement readings of the detector at different positions or locations on the object. The computer vision system may generate and display a heat map of the object based on at least the magnetic field strength measurements and their relative positions.

公开(公告)号：US11803832B2

公开(公告)日：2023-10-31

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

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

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.