公开(公告)号：US12086672B2

公开(公告)日：2024-09-10

申请号：US18151584

申请日：2023-01-09

Applicant: Capital One Services, LLC

Inventor： David Kelly Wurmfeld ,  Adam Koeppel ,  Tyler Locke

IPC: G06K7/10 ,  G06Q20/34 ,  H04B5/70 ,  H04W4/80

CPC classification number: G06K7/10297 ,  G06Q20/352 ,  H04B5/70 ,  H04W4/80

Abstract: A transaction card may monitor an amount of electric current induced in a first near-field communication (NFC) component of a transaction card. Electric current may be induced in the first NFC component when the first NFC component is within an electromagnetic field generated by a second NFC component of a transaction terminal. The transaction card may dynamically activate one or more output components associated with the transaction card based on the amount of electric current induced in the first NFC component. The one or more output components may indicate whether the transaction card can communicate with the transaction terminal. The transaction card may perform an action related to completing a transaction after determining that the amount of electric current induced in the NFC component satisfies a first threshold. The first threshold may indicate that the transaction card can communicate with the transaction terminal.

公开(公告)号：US12081045B2

公开(公告)日：2024-09-03

申请号：US18183650

申请日：2023-03-14

Applicant: Capital One Services, LLC

Inventor： Adam Koeppel ,  Tyler Locke ,  David Wurmfeld

IPC: H04W4/80 ,  G06F9/54 ,  G06K19/07 ,  H02J7/00 ,  H02J50/10 ,  H02J50/80 ,  H04B5/72 ,  H04B5/79 ,  H04W8/00 ,  H04W76/10 ,  G06K19/04 ,  H04B5/22 ,  H04B5/24

CPC classification number: H02J50/80 ,  G06F9/54 ,  G06K19/071 ,  G06K19/0723 ,  H02J7/00034 ,  H02J50/10 ,  H04B5/72 ,  H04B5/79 ,  H04W4/80 ,  H04W8/005 ,  H04W76/10 ,  G06K19/041 ,  H04B5/22 ,  H04B5/24

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：US11893576B2

公开(公告)日：2024-02-06

申请号：US17667709

申请日：2022-02-09

Applicant: Capital One Services, LLC

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

IPC: G06Q20/36 ,  G06F3/01 ,  G06F21/35 ,  G07F7/08 ,  H04L9/08 ,  H04L9/40 ,  H04W4/80 ,  H04W84/12 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q40/02

CPC classification number: G06Q20/3674 ,  G06F3/017 ,  G06F21/35 ,  G06Q20/105 ,  G06Q20/3226 ,  G06Q20/3227 ,  G06Q20/3278 ,  G06Q20/353 ,  G06Q40/02 ,  G07F7/0833 ,  H04L9/0877 ,  H04L63/0853 ,  H04L2463/082 ,  H04W4/80 ,  H04W84/12

Abstract: 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：US11270176B2

公开(公告)日：2022-03-08

申请号：US17248431

申请日：2021-01-25

Applicant: Capital One Services, LLC

Inventor： Adam Koeppel ,  James Zarakas ,  Molly Johnson ,  Tyler Locke

IPC: G06K19/07 ,  G06Q20/34 ,  G06Q20/32 ,  G06K19/04 ,  G06Q20/36 ,  G06Q40/02

Abstract: A transaction card may power on the transaction card using electric current induced from an interaction of the transaction card with an electromagnetic field. The transaction card may establish a communication with a device. The communication may indicate that the transaction card has powered. The transaction card may receive, from the device, a set of instructions to configure a set of applets on the transaction card after notifying the device that the transaction card has powered on. The set of applets to be configured may be related to completing one or more different transactions. The set of applets to be configured may be different than another set of applets already configured on the transaction card. The transaction card may configure the set of applets on the transaction card according to the set of instructions after receiving the set of instructions.

公开(公告)号：US11120322B2

公开(公告)日：2021-09-14

申请号：US16675795

申请日：2019-11-06

Applicant: Capital One Services, LLC

Inventor： Adam Koeppel ,  Tyler Locke

IPC: G06K19/06 ,  G06K19/077

Abstract: A method of fabricating a transaction card for communicating data relating to a transaction may include forming a pattern in a plastic film using a laser plating process or a print-and-plate process; providing a conductive material in the pattern formed in the plastic film, using a plating process, to form a RF antenna layer in the plastic film, wherein the RF antenna layer includes a RF antenna; and affixing the plastic film to a surface of the transaction card to permit the RF antenna to inductively connect to a printed circuit board (PCB) of the transaction card.

公开(公告)号：US10929740B2

公开(公告)日：2021-02-23

申请号：US16575775

申请日：2019-09-19

Applicant: Capital One Services, LLC

Inventor： David Wurmfeld ,  James Zarakas ,  Theodore Markson ,  Saleem Sangi ,  Tyler Locke ,  Kevin Kelly

IPC: G06K19/06 ,  G06K19/073 ,  G06F21/87 ,  G06F21/77 ,  G06K19/077

Abstract: A dynamic transaction card that is manufactured using conductive plastic jumpers that will dissolve when in contact with a solvent used to tamper with the dynamic transaction card. Internal components of a dynamic transaction card may be manufactured using a synthetic or semi-synthetic organic material, such as, for example, plastics. These materials may be conductive to provide functionality to a dynamic transaction card, such as a connection between an integrated circuit and other card components such that when the materials dissolve, the connections are broken and the dynamic transaction card may be inactive due to the loss of various connections.

公开(公告)号：US20200083758A1

公开(公告)日：2020-03-12

申请号：US16680327

申请日：2019-11-11

Applicant: Capital One Services, LLC

Inventor： Adam Koeppel ,  Tyler Locke ,  David Wurmfeld

IPC: H02J50/80 ,  H04W8/00 ,  H02J7/02 ,  G06K19/07 ,  G06F9/54 ,  H04W76/10 ,  H04W4/80 ,  H02J50/10 ,  H04B5/00

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：US20200082380A1

公开(公告)日：2020-03-12

申请号：US16681862

申请日：2019-11-13

Applicant: Capital One Services, LLC

Inventor： James Zarakas ,  David Wurmfeld ,  Tyler Locke

IPC: G06Q20/34 ,  G06Q20/40 ,  G06Q20/20 ,  G06Q20/32 ,  G06K19/077 ,  G06K19/02 ,  G06K19/04 ,  G06K19/06 ,  G06K19/07 ,  G06Q20/38

Abstract: A dynamic transaction card that includes a number of layers, each of which may be interconnected to one another, is disclosed. The dynamic transaction card may include an outer layer, a potting layer, a 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 antennas (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 dynamic transaction card may be activated by authenticating the card user through user authentication input recognition, which may be gesture and/or voice recognition processing.

公开(公告)号：US10588175B1

公开(公告)日：2020-03-10

申请号：US16169765

申请日：2018-10-24

Applicant: Capital One Services, LLC

Inventor： Adam R. Koeppel ,  James Zarakas ,  Molly Johnson ,  Tyler Locke ,  Rajko Ilincic ,  Kevan Emmott

IPC: H04W88/02 ,  H04L9/06 ,  H04W4/80 ,  H04L29/06 ,  G06F16/27

Abstract: A device may include a processor, a wireless transceiver in communication with the processor, and a non-transitory memory. The memory may store instructions that, when executed by the processor, cause the processor to perform processing. The processing may include detecting, using the wireless transceiver, at least one external device in communication range of the device. The processing may include receiving, by the wireless transceiver, at least one external device identifier from the at least one external device. The processing may include verifying the at least one external device identifier. The verifying may include locating the at least one device identifier in a blockchain record of a transaction involving the at least one external device. The processing may include performing at least one transaction requiring the verified at least one external device identifier.

公开(公告)号：US10579917B1

公开(公告)日：2020-03-03

申请号：US16241484

申请日：2019-01-07

Applicant: Capital One Services, LLC

Inventor： Adam R. Koeppel ,  Molly Johnson ,  Tyler Locke ,  James Zarakas

IPC: G06K19/07

Abstract: 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.