公开(公告)号：US11699151B2

公开(公告)日：2023-07-11

申请号：US16907536

申请日：2020-06-22

Applicant: Capital One Services, LLC

Inventor： Kevin Osborn ,  Jeffrey Rule ,  David Wurmfeld

IPC: G06Q20/38 ,  G06Q20/32 ,  G06Q20/40

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：US11676127B2

公开(公告)日：2023-06-13

申请号：US17317187

申请日：2021-05-11

Applicant: Capital One Services, LLC

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

IPC: G06Q40/00 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q20/10

CPC classification number: G06Q20/3223 ,  G06Q20/1085 ,  G06Q20/327 ,  G06Q20/4014

Abstract: A system and method are disclosed in which a symbol associated with an ATM of a plurality of ATMs is made available to a customer in response to a request for access to the ATM. The symbol identifies the ATM to the user in locations having multiple ATMs, thus avoiding confusion for the user. The symbol may be used for any of the possible transactions between the user and the ATM, such as balance inquiries, deposits, transfers, and cash withdrawals.

公开(公告)号：US11476581B2

公开(公告)日：2022-10-18

申请号：US17015142

申请日：2020-09-09

Applicant: Capital One Services, LLC

Inventor： David Wurmfeld

IPC: H01Q7/06 ,  G08B6/00 ,  H01Q7/04 ,  G06F3/01

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：US11468798B2

公开(公告)日：2022-10-11

申请号：US17172952

申请日：2021-02-10

Applicant: Capital One Services, LLC

Inventor： David Wurmfeld

IPC: G09F3/00 ,  G06F1/00 ,  B41M5/52 ,  B42D15/00 ,  B42D25/391

Abstract: Disclosed embodiments may relate to a time-dependent color-changing label for a product. The label may include a first layer comprising a plurality of particles, the particles comprising a time dependent color-changing material that changes color after a predetermined time period, the predetermined time period being greater than one month. The label may also include an attachment structure attaching the first layer to the product. In certain embodiments, the first layer may include a polymer, and the particles may include glass microspheres containing the time-dependent color changing material. The particles may be embedded in the polymer.

公开(公告)号：US11265041B2

公开(公告)日：2022-03-01

申请号：US17097198

申请日：2020-11-13

Applicant: Capital One Services, LLC

Inventor： Kevin Osborn ,  David Wurmfeld

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

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：US20210374706A1

公开(公告)日：2021-12-02

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

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：US20210359555A1

公开(公告)日：2021-11-18

申请号：US17388047

申请日：2021-07-29

Applicant: Capital One Services, LLC

Inventor： Adam Koeppel ,  Tyler Locke ,  David Wurmfeld

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

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：US11171952B2

公开(公告)日：2021-11-09

申请号：US16775475

申请日：2020-01-29

Applicant: CAPITAL ONE SERVICES, LLC

Inventor： David Wurmfeld

IPC: H04L29/06 ,  G06F21/31 ,  G06F21/55 ,  G06K9/00 ,  G06Q20/40 ,  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：US11164177B2

公开(公告)日：2021-11-02

申请号：US16896300

申请日：2020-06-09

Applicant: Capital One Services, LLC

Inventor： James Zarakas ,  Theodore Markson ,  Adam Koeppel ,  Kevin P. Kelly ,  Brian Briggman ,  Saleem Sangi ,  David Wurmfeld ,  Tyler Locke ,  Karla M. Escalante

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

Abstract: A dynamic transaction card that includes a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a touch sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV chip, an energy storage component, one or more antenna (e.g., Bluetooth antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer. The card includes a secure element to receive visual impairment settings and alert data. A microprocessor can convert the alert data into impairment data based on the visual impairment settings. A display is generated based on the impairment data.

公开(公告)号：US11093923B2

公开(公告)日：2021-08-17

申请号：US16450350

申请日：2019-06-24

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

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.