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公开(公告)号：US20240362449A1
公开(公告)日：2024-10-31
申请号：US18734178
申请日：2024-06-05
发明人： Kevin OSBORN , James ZARAKAS , Saleem SANGI , Jeffrey RULE
IPC分类号： G06K19/073 , G06K19/07
CPC分类号： G06K19/073 , G06K19/071 , G06K19/0723
摘要： A secure smart card is described. The smart card can include a processor, a memory and a transceiver. The smart card can communicate with various terminals and store a digital signature and other information on the card. Another terminal can validate the information stored on the smart card using the digital signature. In certain embodiments, the terminal can also validate the information by using a blockchain. The advanced design of the smart card obviates the need for a network connection.
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公开(公告)号：US20240220757A1
公开(公告)日：2024-07-04
申请号：US18608031
申请日：2024-03-18
发明人： Adam R. KOEPPEL , Molly JOHNSON , Tyler LOCKE , James ZARAKAS
IPC分类号： G06K19/07
CPC分类号： G06K19/0702
摘要： Examples described herein describe a battery charger for a transaction card. According to some implementations, a charging device may detect a transaction card is received within a charging slot when an integrated circuit (IC) chip of the transaction card is in contact with a charging terminal; request a user device to provide power to charge the transaction card via the charging terminal, wherein the user device is communicatively coupled to the charging terminal; receive the power from the user device; and provide the power to the transaction card to charge a battery of the transaction card.
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公开(公告)号：US20240097738A1
公开(公告)日：2024-03-21
申请号：US18511377
申请日：2023-11-16
发明人： Adam KOEPPEL , Tyler LOCKE , Kevin KELLY , Robert PERRY , James ZARAKAS
CPC分类号： H04B5/0031 , H04B5/0037 , H04W4/80 , H04W52/0261 , H04B5/0056
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.
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公开(公告)号：US20240064004A1
公开(公告)日：2024-02-22
申请号：US17890628
申请日：2022-08-18
IPC分类号： H04L9/08
CPC分类号： H04L9/0819 , H04L9/085 , H04L9/0844
摘要： In a method of facilitating encrypted communications between a transmitting system having a unique identifier and a receiving system, a key generation system generates at least one encryption master key for use with the unique identifier and an encryption algorithm to produce a transmitting system-unique encryption key. The key generation system also generates a shared secret master key for use with the unique identifier and a second encryption algorithm to produce a shared secret value. The at least one encryption master key and the shared secret master key are then stored in an encryption information database. The key generation system transmits the at least one encryption master key and shared secret information to the transmitting system and transmits the at least one encryption master key, the shared secret master key and the unique identifier to the receiving data processing system.
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5.发明公开公开(公告)号：US20230289844A1
公开(公告)日：2023-09-14
申请号：US18318935
申请日：2023-05-17
发明人： James ZARAKAS , Adam VUKICH , Molly JOHNSON
IPC分类号： G06Q30/0207 , G06Q30/0283 , G06Q20/20 , G06N20/00 , G06Q20/34 , G06Q30/0601
CPC分类号： G06Q30/0222 , G06N20/00 , G06Q20/208 , G06Q20/341 , G06Q30/0283 , G06Q30/0611
摘要： A device may receive, from a client device associated with a customer, an agreement of the customer to join a rewards program, and may receive, from the client device and based on the customer joining the rewards program, item data identifying an item placed in a shopping cart by the customer and customer data identifying the customer, wherein the item data is received by a transaction card from a price tag of the item, and wherein the item data is received after the item has been removed from a shelf and placed in the shopping cart. The device may receive rewards data identifying rewards associated with a plurality of items, and may process the item data, the rewards data, and the customer data, with a machine learning model, to identify a reward for the customer. The device may provide, to the client device, data identifying the reward.
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公开(公告)号：US20230222881A1
公开(公告)日：2023-07-13
申请号：US18120825
申请日：2023-03-13
发明人： Molly JOHNSON , Adam VUKICH , James ZARAKAS
CPC分类号： G06Q20/4016 , G06Q20/204 , G06Q20/206 , G07F19/2055
摘要： Disclosed herein are system, method, and apparatus for detecting a skimmer via a vibration sensor on a transaction card. The method includes receiving, at a server, from a user equipment, vibration information recorded by a transaction card in response to an execution of a transaction at a point-of-service (POS) terminal of a plurality of POS terminals using the transaction card. The vibration information may be recorded by a microphone or an accelerometer on the transaction card while the transaction card is swiped through the POS terminal or inserted into or removed from the POS terminal. The method includes determining, at the server, a state of the POS terminal based on the received vibration information and in response to a determination of the state of the POS being compromised, sending to one or more stakeholders of the transaction a warning message containing the POS terminal information including the POS terminal’s state.
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公开(公告)号：US20220156722A1
公开(公告)日：2022-05-19
申请号：US17590034
申请日：2022-02-01
发明人： James ZARAKAS , Tyler LOCKE
摘要： In some implementations, a transaction card may receive transaction data from a transaction terminal based on initiation of a transaction with the transaction terminal; generate a tokenized primary account number, for use with the transaction, based on the transaction data and an actual primary account number of the transaction card; and transmit the tokenized primary account number to the transaction terminal for processing the transaction.
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公开(公告)号：US20210383394A1
公开(公告)日：2021-12-09
申请号：US16896566
申请日：2020-06-09
发明人： James ZARAKAS , Adam VUKICH , Molly JOHNSON
摘要： A device may receive, from client devices of users, user data identifying the users, client device data identifying the client devices, and transaction card data identifying transaction cards, and may receive transaction account data identifying transaction accounts. The device may process the user data, the client device data, the transaction card data, and the transaction account data, with a machine learning model, to determine trust scores for the transaction cards, and may identify trusted transaction cards based on the trust scores. The device may receive, from trusted client devices associated with the trusted transaction cards, location data identifying locations of the trusted client devices and communication data indicating communications between the trusted transaction cards and the trusted client devices. The device may generate a card mapping for the trusted transaction cards based on the location data and the communication data, and may perform actions based on the card mapping.
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公开(公告)号：US20210374749A1
公开(公告)日：2021-12-02
申请号：US16886017
申请日：2020-05-28
发明人： Adam VUKICH , George BERGERON , James ZARAKAS
摘要： A user profile scoring platform may analyze a transaction log of a transaction account of a user to determine, based on transactions of the transaction log, a qualification status of the user, wherein the qualification status indicates that a characteristic of the user satisfies a threshold qualification metric. The user profile scoring platform may determine, based on the qualification status, a transaction-based score associated with the user, wherein the transaction-based score is determined using a transaction log analysis model. The user profile scoring platform may obtain, based on receiving the access information, a user score associated with a user transaction history that is associated with a plurality of transaction accounts that are associated with the user and different from the transaction account. The user profile scoring platform may perform an action based on the transaction-based score and the user score.
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10.发明申请公开(公告)号：US20210357967A1
公开(公告)日：2021-11-18
申请号：US16876999
申请日：2020-05-18
发明人： James ZARAKAS , Adam VUKICH , Molly JOHNSON
IPC分类号： G06Q30/02 , H04W4/021 , H04W4/02 , G06F16/951 , G06F16/29
摘要： A system and method of operating a computing system including: a control unit configured to: generate a user transaction history based on parsing a user data set received from a transaction history database; generate a database of a collected coupon data based on the user transaction history; identify a merchant location based on a map data from a map database, and the database of the collected coupon data; identify a merchant based on a user location and the merchant location; retrieve the collected coupon data associated with the merchant based on identifying the merchant; activate the collected coupon data on a transaction card based on an activate parameter; and a storage unit, coupled to the control unit, configured to store the database of the collected coupon data and the merchant location for retrieval during an application state; and a communication unit, coupled to the control unit, configured to transmit the collected coupon data to the transaction card for display on a user interface.
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