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    SYSTEMS AND METHODS FOR SECURE READ-ONLY AUTHENTICATION
    3.
    发明申请
    SYSTEMS AND METHODS FOR SECURE READ-ONLY AUTHENTICATION 审中-公开

    公开(公告)号：US20200066082A1

    公开(公告)日：2020-02-27

    申请号：US16667244

    申请日：2019-10-29

    Applicant: Capital One Services, LLC

    Inventor： Kevin OSBORN ,  Kevin KELLY

    IPC: G07F7/10 ,  G06K19/07 ,  G06Q20/34 ,  G06Q20/40 ,  G06F1/04 ,  G06Q20/32

    Abstract: A system for authenticating a user with a mobile device comprising a memory storing instructions, and a processor in communication with a network. The processor may be configured to execute the stored instructions to receive, from a mobile device, an authentication request; obtain, from a database, a permanent identifier associated with a transaction card; generate a temporary identifier associated with the transaction card; generate an expected value by encrypting the permanent identifier and the temporary identifier; verify the expected value against an encrypted value received from the mobile device; and transmit an authorization command to the mobile device.

    SYSTEM, METHOD, AND APPARATUS FOR UPDATING AN EXISTING DYNAMIC TRANSACTION CARD
    5.
    发明申请
    SYSTEM, METHOD, AND APPARATUS FOR UPDATING AN EXISTING DYNAMIC TRANSACTION CARD 审中-公开
    用于更新现有动态交易卡的系统，方法和装置

    公开(公告)号：US20160307190A1

    公开(公告)日：2016-10-20

    申请号：US15098730

    申请日：2016-04-14

    Applicant: Capital One Services, LLC.

    Inventor： James ZARAKAS ,  Adam KOEPPEL ,  Kevin KELLY ,  David WURMFELD

    IPC: G06Q20/34 ,  G06Q20/38 ,  G06Q20/36 ,  G06K19/04 ,  G06Q20/40

    CPC classification number: G06Q20/341 ,  G06K19/045 ,  G06K19/07769 ,  G06Q20/352 ,  G06Q20/354 ,  G06Q20/3563 ,  G06Q20/3672 ,  G06Q20/3829 ,  G06Q20/4016 ,  G06Q2220/00

    Abstract: 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.

    Abstract translation: 一种用于由帐户持有人持有的电子交易卡安全地更新附加帐户和/或帐户数据的系统。 通过使用预先存储的shell数据和/或非活动数据，动态交易卡可以通过附加帐户被安全地更新，由此可以使用从发行者系统接收的数据填充预存储的外壳数据和/或非活动数据可以是 通过从发行者系统接收的激活信号激活。 后端服务器可以通过欺诈判定确定到期确定和/或用户请求，将新的账户数据发送到账户持有者。 动态交易卡可以接收与通知相关联的数据，更新显示器，指示EMV小应用程序使用与所接收的EMV密钥标识符相关联的密钥进行签名，和/或更新存储在动态交易卡上的任何附加数据。

    METHODS AND SYSTEMS FOR DISPLAYING ACCOUNT INFORMATION
    8.
    发明申请
    METHODS AND SYSTEMS FOR DISPLAYING ACCOUNT INFORMATION 有权

    公开(公告)号：US20210056533A1

    公开(公告)日：2021-02-25

    申请号：US16948205

    申请日：2020-09-08

    Applicant: Capital One Services, LLC

    Inventor： Adam R. KOEPPEL ,  Alex Leo NIDERBERG ,  Kevin KELLY ,  Mili MITTAL ,  Sarah CALANDRO ,  Jonathan R. TURFBOER

    IPC: G06Q20/32 ,  H04W64/00 ,  G06Q20/36 ,  G06Q40/02 ,  G06Q20/34

    Abstract: Systems and methods are provided for displaying account information. The systems and methods may include a portable smart display device in short-range communication with a mobile device. The smart display device may be configured to provide a user with quick and easy yet secure access to account information, without the need for multi-step login and verification processes. The smart display device may be sized to fit within a wallet and within quick, easy reach of a user. The smart display device may receive up-to-date account information from the mobile device, and display the account information on-demand upon detecting an activation event, thereby providing an enjoyable user experience and a useful tool for quickly informing the user of their financial situation.

    TRANSACTION CARD SECURITY DEVICE
    9.
    发明申请
    TRANSACTION CARD SECURITY DEVICE 审中-公开

    公开(公告)号：US20190325453A1

    公开(公告)日：2019-10-24

    申请号：US16458515

    申请日：2019-07-01

    Applicant: Capital One Services, LLC

    Inventor： Adam KOEPPEL ,  Saleem SANGI ,  Robert PERRY ,  Kevin KELLY

    IPC: G06Q20/40 ,  G07F7/12 ,  G07F7/08 ,  G06K19/07 ,  G06Q20/34

    Abstract: An example transaction card may include a sensor to measure movement of the transaction card and one or more processors to monitor the movement of the transaction card via the sensor during a tracking period; determine measurements of a gait of a user during the tracking period from the movement of the transaction card during the tracking period; compare the measurements of the gait of the user during the tracking period and a gait signature associated with the transaction card; and/or perform an action associated with the transaction card based on a result of comparing the measurements of the gait of the user during the tracking period and the gait signature.

    DYNAMIC TRANSACTION CARD PROTECTED BY DROPPED CARD DETECTION
    10.
    发明申请
    DYNAMIC TRANSACTION CARD PROTECTED BY DROPPED CARD DETECTION 审中-公开

    公开(公告)号：US20190303917A1

    公开(公告)日：2019-10-03

    申请号：US16432431

    申请日：2019-06-05

    Applicant: Capital One Services, LLC

    Inventor： Tyler LOCKE ,  David WURMFELD ,  Adam KOEPPEL ,  Kevin KELLY ,  James Zarakas

    IPC: G06Q20/34 ,  G06K19/077 ,  G06K19/02 ,  G06Q20/40 ,  G06K19/07 ,  G08B5/22

    Abstract: A dynamic transaction card that includes a transaction card having 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 sensor layer that may detect and identify a card free fall and/or subsequent impact, which may trigger a microcontroller to send a mobile notification to a cardholder notifying the user that the card has been dropped, and/or may disable or deactivate the card and/or a user account associated with the card, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, 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.

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