公开(公告)号：US11790416B2

公开(公告)日：2023-10-17

申请号：US17242382

申请日：2021-04-28

申请人： Capital One Services, LLC

发明人： Adam Koeppel ,  Robert Perry

IPC分类号： G06Q30/06 ,  H04W4/021 ,  G06Q20/32 ,  G06Q30/01 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/38 ,  G06Q20/40

CPC分类号： G06Q30/06 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/327 ,  G06Q20/389 ,  G06Q20/405 ,  G06Q30/01 ,  H04W4/021

摘要： Systems and methods for in-store purchases are provided. An exemplary method may include receiving by a customer device associated with a customer, customer data including customer preference data. The method may include storing the received customer data and identifying a merchant at a location of the customer. The method may also include determining a customer order for the identified merchant based on the customer preference data. Further, the method may include transmitting a notification to a merchant device associated with the identified merchant, the notification including the determined customer order.

公开(公告)号：US10410206B2

公开(公告)日：2019-09-10

申请号：US16280666

申请日：2019-02-20

申请人： Capital One Services, LLC

发明人： Saleem Sangi ,  Molly Johnson ,  Robert Perry ,  Adam Koeppel

IPC分类号： G06Q20/34 ,  G06K19/07 ,  H04W4/02 ,  G06K19/073 ,  H04B17/318 ,  H04W4/80

摘要： A transaction card may determine to initiate a mode associated with the transaction card. The mode may be related to locating the transaction card. The mode may be associated with outputting a first signal. The transaction card may determine a manner in which to configure the mode based on a set of parameters. The set of parameters may include a power level of the transaction card, or a strength of a second signal associated with a connection between the transaction card and a device associated with the transaction card. The transaction card may initiate the mode after configuring the mode. The transaction card may determine to terminate the mode based on an indication that the transaction card has been located.

公开(公告)号：US20190188686A1

公开(公告)日：2019-06-20

申请号：US16280666

申请日：2019-02-20

申请人： Capital One Services, LLC

发明人： Saleem Sangi ,  Molly Johnson ,  Robert Perry ,  Adam Koeppel

IPC分类号： G06Q20/34 ,  H04B17/318 ,  G06K19/073 ,  G06K19/07 ,  H04W4/02 ,  H04W4/80

CPC分类号： G06Q20/341 ,  G06K19/0712 ,  G06K19/07381 ,  G06Q20/3224 ,  G06Q20/3552 ,  H04B17/318 ,  H04W4/023 ,  H04W4/80

摘要： A transaction card may determine to initiate a mode associated with the transaction card. The mode may be related to locating the transaction card. The mode may be associated with outputting a first signal. The transaction card may determine a manner in which to configure the mode based on a set of parameters. The set of parameters may include a power level of the transaction card, or a strength of a second signal associated with a connection between the transaction card and a device associated with the transaction card. The transaction card may initiate the mode after configuring the mode. The transaction card may determine to terminate the mode based on an indication that the transaction card has been located.

公开(公告)号：US09990632B1

公开(公告)日：2018-06-05

申请号：US15793667

申请日：2017-10-25

申请人： Capital One Services, LLC

发明人： Adam Koeppel ,  Robert Perry

IPC分类号： G06Q20/40 ,  G06Q20/34 ,  G06Q20/32 ,  H04W12/06

CPC分类号： G06Q20/405 ,  G06Q20/3224 ,  G06Q20/325 ,  G06Q20/3278 ,  G06Q20/34 ,  G06Q20/341 ,  G06Q20/352 ,  G06Q20/3552 ,  G06Q20/4012 ,  H04L63/0853 ,  H04L63/107 ,  H04W12/06

摘要： A device may determine that a verification method associated with a transaction card is to be modified from a first verification method to a second verification method. The first verification method and the second verification method may use different types of verification information. The device may provide a set of instructions to the transaction card after determining that the verification method is to be modified. The set of instructions may cause the transaction card to modify the verification method from the first verification method to the second verification method. The device may provide information identifying a modification to the verification method to a transaction backend device to notify the transaction backend device that the verification method associated with the transaction card has been modified from the first verification method to the second verification method.

公开(公告)号：US11941592B2

公开(公告)日：2024-03-26

申请号：US17671051

申请日：2022-02-14

申请人： Capital One Services, LLC

发明人： Kyle Johnson ,  Salik Shah ,  Robert Perry

IPC分类号： G06Q20/10

CPC分类号： G06Q20/10

摘要： A method of processing a virtual money order transaction includes establishing an account for a first user having a first user device and receiving from a second user device, a virtual money order purchase request identifying the first user as a payee, an amount, and payment information. A transfer of a payment amount from a second user account to a transaction processor account is processed and a virtual money order is generated with associated information accessible at a network address. A notification including the network address is transmitted to the first user device and a request to receive the money order information is received via the network address. Responsive to verification that the requester is authorized, the information is transmitted to the first user device. A redemption request is received and a transfer of the money order amount from the transaction data account to the redemption requester is processed.

公开(公告)号：US11928667B2

公开(公告)日：2024-03-12

申请号：US17530224

申请日：2021-11-18

申请人： Capital One Services, LLC

发明人： Adam Koeppel ,  Molly Johnson ,  Tyler Locke ,  James Zarakas ,  Kevin Kelly ,  Saleem Sangi ,  Robert Perry

IPC分类号： G06Q20/34 ,  G06F21/35 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q20/40 ,  H04W4/80 ,  H04W80/00 ,  H04L9/08

CPC分类号： G06Q20/354 ,  G06F21/35 ,  G06Q20/322 ,  G06Q20/327 ,  G06Q20/352 ,  G06Q20/409 ,  H04W4/80 ,  H04W80/00 ,  G06Q20/3829 ,  H04L9/0819

摘要： The present disclosure relates to systems and methods for using multicomputer data transferring to active contactless communication. In one example, such a system may include at least one memory storing instructions and at least one processor configured to execute the instructions to perform one or more operations, the operations including: receiving a transaction associated with a merchant on a list of merchants stored in the at least one memory; determining, based on the merchant, a remote server associated with the merchant; assembling a data packet including an identifier of the contactless card and an identifier of the transaction; transmitting the data packet to the determined server across one or more computer networks; receiving confirmation from the determined sever in response to the data packet; and transmitting the confirmation to a user device associated with the transaction.

公开(公告)号：US20220270083A1

公开(公告)日：2022-08-25

申请号：US17667709

申请日：2022-02-09

申请人： Capital One Services, LLC

发明人： James ZARAKAS ,  Molly Johnson ,  Robert Perry ,  Adam Koeppel ,  Tyler Locke

IPC分类号： G06Q20/36 ,  G06Q20/32 ,  G06Q20/10 ,  H04L9/08 ,  G06F21/35 ,  G06F3/01 ,  H04L9/40 ,  G06Q40/02 ,  G07F7/08 ,  G06Q20/34

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.

公开(公告)号：US20210248652A1

公开(公告)日：2021-08-12

申请号：US17242382

申请日：2021-04-28

申请人： Capital One Services, LLC

发明人： Adam Koeppel ,  Robert Perry

IPC分类号： G06Q30/06 ,  H04W4/021 ,  G06Q20/32 ,  G06Q30/00 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/38 ,  G06Q20/40

摘要： Systems and methods for in-store purchases are provided. An exemplary method may include receiving by a customer device associated with a customer, customer data including customer preference data. The method may include storing the received customer data and identifying a merchant at a location of the customer. The method may also include determining a customer order for the identified merchant based on the customer preference data. Further, the method may include transmitting a notification to a merchant device associated with the identified merchant, the notification including the determined customer order.

公开(公告)号：US10453054B2

公开(公告)日：2019-10-22

申请号：US15867233

申请日：2018-01-10

申请人： Capital One Services, LLC

发明人： James Zarakas ,  Molly Johnson ,  Robert Perry ,  Adam Koeppel ,  Tyler Locke

IPC分类号： G06Q20/30 ,  G06Q20/36 ,  G06Q20/32 ,  G06Q20/10 ,  H04L9/08 ,  G06F21/35 ,  G06F3/01 ,  H04L29/06 ,  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.

公开(公告)号：US20190190568A1

公开(公告)日：2019-06-20

申请号：US16280631

申请日：2019-02-20

申请人： Capital One Services, LLC

发明人： Adam KOEPPEL ,  Tyler Locke ,  Kevin Kelly ,  Robert Perry ,  James Zarakas

IPC分类号： H04B5/00 ,  H04W4/80

CPC分类号： H04B5/0031 ,  H04B5/0037 ,  H04B5/0056 ,  H04W4/80 ,  H04W52/0261

摘要： In some implementations, a near field communication (NFC) device may determine whether the NFC device is to perform a wireless transaction in a powered mode or an unpowered mode, and may selectively perform the wireless transaction in the powered mode or the unpowered mode based on determining whether the NFC device is to perform the wireless transaction in the powered mode or the unpowered mode. The wireless transaction may be performed using power from a power source internal to the NFC device when the wireless transaction is performed in the powered mode. The wireless transaction may be performed without using power from the power source internal to the NFC device when the wireless transaction is performed in the unpowered mode.