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公开(公告)号：US11935017B2
公开(公告)日：2024-03-19
申请号：US17973443
申请日：2022-10-25
发明人： Adam R. Koeppel
CPC分类号： G06Q20/105 , G06Q20/341 , G06Q20/352 , G06Q20/409
摘要： A system for reprogramming a transaction card may include a reprogrammable microchip transaction card, an account provider system, and a mobile device. A reprogrammable transaction card may include an embedded microprocessor chip, or integrated circuit (IC), housing various modules to provide card capabilities, such as transaction capabilities, security capabilities, and reprogramming capabilities. An account provider system may include a number of servers and computers, each equipped with storage and modules programmed with various capabilities, such as, storing cardholder data, transaction processing, and/or transaction card reprogramming. A user device may include various hardware and software components, such as a Near Field Communication (NFC) hardware and software components, one or more processors, various input/output interfaces, and/or modules, such as transaction processing modules and transaction card resetting modules. Each component of the system may communicate with each other in order to reprogram the transaction card.
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公开(公告)号：US11741457B2
公开(公告)日：2023-08-29
申请号：US17528148
申请日：2021-11-16
发明人： Tyler Locke , Adam R. Koeppel
IPC分类号： G06K19/07 , G06Q20/34 , G06F3/01 , G06K19/067 , H04W52/02 , G06Q20/32 , G06K19/077
CPC分类号： G06Q20/341 , G06F3/01 , G06K19/067 , G06K19/0723 , G06K19/07773 , G06Q20/3278 , G06Q20/352 , H04W52/02 , G06K19/07709 , G06Q2220/00
摘要： A contactless payment device including a wireless communication device; a power source; a processor coupled to the power source; an accelerometer communicatively coupled to the processor and the power source; and an actuator communicatively coupled to the wireless communication device and the processor. The actuator is configured to activate the wireless communication device when the actuator is set in a closed state, and deactivate the wireless communication device when the actuator is set in an open state. The processor is configured to receive an incoming signal from the accelerometer; determine whether the incoming signal corresponds to a pre-programmed signal corresponding to an enabling gesture; and set the actuator in the dosed state for a time interval, when the incoming signal corresponds to the enabling gesture.
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公开(公告)号：US20230046931A1
公开(公告)日：2023-02-16
申请号：US17973443
申请日：2022-10-25
发明人： Adam R. Koeppel
摘要： A system for reprogramming a transaction card may include a reprogrammable microchip transaction card, an account provider system, and a mobile device. A reprogrammable transaction card may include an embedded microprocessor chip, or integrated circuit (IC), housing various modules to provide card capabilities, such as transaction capabilities, security capabilities, and reprogramming capabilities. An account provider system may include a number of servers and computers, each equipped with storage and modules programmed with various capabilities, such as, storing cardholder data, transaction processing, and/or transaction card reprogramming. A user device may include various hardware and software components, such as a Near Field Communication (NFC) hardware and software components, one or more processors, various input/output interfaces, and/or modules, such as transaction processing modules and transaction card resetting modules. Each component of the system may communicate with each other in order to reprogram the transaction card.
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公开(公告)号：US11514416B2
公开(公告)日：2022-11-29
申请号：US17222098
申请日：2021-04-05
发明人： Adam R. Koeppel
摘要： A system for reprogramming a transaction card may include a reprogrammable microchip transaction card, an account provider system, and a mobile device. A reprogrammable transaction card may include an embedded microprocessor chip, or integrated circuit (IC), housing various modules to provide card capabilities, such as transaction capabilities, security capabilities, and reprogramming capabilities. An account provider system may include a number of servers and computers, each equipped with storage and modules programmed with various capabilities, such as, storing cardholder data, transaction processing, and/or transaction card reprogramming. A user device may include various hardware and software components, such as a Near Field Communication (NFC) hardware and software components, one or more processors, various input/output interfaces, and/or modules, such as transaction processing modules and transaction card resetting modules. Each component of the system may communicate with each other in order to reprogram the transaction card.
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公开(公告)号：US10719820B2
公开(公告)日：2020-07-21
申请号：US16380249
申请日：2019-04-10
摘要： Systems and methods are disclosed for the deposit, withdrawal, and reuse of currency for transactions. According to disclosed embodiments, an intelligent teller machine (ITM) is configured to receive currency as payment for a transaction, to calculate and dispense any change due, and to request that the net value of the transaction (e.g., the revenue) be deposited into the financial account of the business. The currency received by the ITM is also available to make change for future purchase transactions.
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公开(公告)号：US20200027077A1
公开(公告)日：2020-01-23
申请号：US16581793
申请日：2019-09-25
发明人： James Zarakas , Adam R. Koeppel , Kevin Kelly , David Wurmfeld
摘要： A system for securely updating an electronic transaction card held by an account holder with an additional account and/or account data. 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 an issuer system. 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.
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公开(公告)号：US10417626B1
公开(公告)日：2019-09-17
申请号：US15969556
申请日：2018-05-02
发明人： Tyler Locke , Adam R. Koeppel
摘要： A contactless payment device including a wireless communication device; a power source; a processor coupled to the power source; an accelerometer communicatively coupled to the processor and the power source; and an actuator communicatively coupled to the wireless communication device and the processor. The actuator is configured to activate the wireless communication device when the actuator is set in a closed state, and deactivate the wireless communication device when the actuator is set in an open state. The processor is configured to receive an incoming signal from the accelerometer; determine whether the incoming signal corresponds to a pre-programmed signal corresponding to an enabling gesture; and set the actuator in the closed state for a time interval, when the incoming signal corresponds to the enabling gesture.
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公开(公告)号：US20240202684A1
公开(公告)日：2024-06-20
申请号：US18593048
申请日：2024-03-01
发明人： Adam R. Koeppel
CPC分类号： G06Q20/105 , G06Q20/341 , G06Q20/352 , G06Q20/409
摘要： A system for reprogramming a transaction card may include a reprogrammable microchip transaction card, an account provider system, and a mobile device. A reprogrammable transaction card may include an embedded microprocessor chip, or integrated circuit (IC), housing various modules to provide card capabilities, such as transaction capabilities, security capabilities, and reprogramming capabilities. An account provider system may include a number of servers and computers, each equipped with storage and modules programmed with various capabilities, such as, storing cardholder data, transaction processing, and/or transaction card reprogramming. A user device may include various hardware and software components, such as a Near Field Communication (NFC) hardware and software components, one or more processors, various input/output interfaces, and/or modules, such as transaction processing modules and transaction card resetting modules. Each component of the system may communicate with each other in order to reprogram the transaction card.
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公开(公告)号：US11563775B2
公开(公告)日：2023-01-24
申请号：US17338076
申请日：2021-06-03
IPC分类号： H04L29/06 , H04L9/40 , H04L9/32 , G06F21/44 , H04W12/04 , H04L9/08 , H04W12/06 , H04L67/04 , G06F21/60 , H04L69/18 , H04W12/03 , H04W12/50 , H04W12/0471 , G06F16/955 , G06K7/14 , G06K19/06 , G06Q20/32 , H04W4/80
摘要： Systems and methods for securely pairing a transmitting device with a receiving device are described. The systems and methods may communicate with a first device via a first communication method over a wireless communication network. The systems and methods may transmit, to the first device via a second communication method, a first sensory pattern representing a first key. In addition, the system and methods may communicate with the first device via the first communication method using the first key.
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公开(公告)号：US20210224763A1
公开(公告)日：2021-07-22
申请号：US17222098
申请日：2021-04-05
发明人： Adam R. Koeppel
摘要： A system for reprogramming a transaction card may include a reprogrammable microchip transaction card, an account provider system, and a mobile device. A reprogrammable transaction card may include an embedded microprocessor chip, or integrated circuit (IC), housing various modules to provide card capabilities, such as transaction capabilities, security capabilities, and reprogramming capabilities. An account provider system may include a number of servers and computers, each equipped with storage and modules programmed with various capabilities, such as, storing cardholder data, transaction processing, and/or transaction card reprogramming. A user device may include various hardware and software components, such as a Near Field Communication (NFC) hardware and software components, one or more processors, various input/output interfaces, and/or modules, such as transaction processing modules and transaction card resetting modules. Each component of the system may communicate with each other in order to reprogram the transaction card.
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