Patents by Inventor Daniel John Marsch
Daniel John Marsch has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 11758380Abstract: Methods and systems are disclosed for presenting user specific information based on mobile device proximity to short-range wireless technology beacons. For example, by determining the proximity of a mobile device to a short-range wireless technology beacon, user specific information may be displayed on a user interface such that a user may have easy access to user specific information without the need to rely on their mobile device for such access, thereby conserving mobile device battery life and improving the experience of the user.Type: GrantFiled: November 22, 2021Date of Patent: September 12, 2023Assignee: Capital One Services, LLCInventors: Leeyat Bracha Tessler, Ray Cheng, Imren Johar, Daniel John Marsch, Rocky Guo, Bryant Yee, John Jones
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Patent number: 11697961Abstract: Embodiments of systems, methods, and devices for protecting service personnel by deploying a physical barrier are described. Further embodiments describe additional security features such as lights, sirens, cameras, electronic locks, timers, and/or notifying security personnel or local law enforcement when the system is activated.Type: GrantFiled: June 25, 2021Date of Patent: July 11, 2023Assignee: CAPITAL ONE SERVICES, LLCInventors: Abdelkader Benkreira, Daniel John Marsch, Joshua Edwards, Michael Mossoba
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Publication number: 20230153635Abstract: Systems and methods for secure prediction can include a memory and a processor that is configured to retrieve location information associated with a user account and calculate an average spend over one or more route options for a first period of time based on the location information. The processor can be configured to apply a predictive model to the average spend to determine a predicted utilization amount, identify one or more users that have a user utilization amount exceeding the predicted utilization amount, transmit one or more notifications to adjust the user utilization amount from a first value to a second value for a second period of time, and receive one or more responses that are responsive to the one or more notifications. The processor can be configured to adjust the user utilization amount to the second value and revert the user utilization amount back to the first value.Type: ApplicationFiled: November 17, 2021Publication date: May 18, 2023Inventors: Viraj CHAUDHARY, Isaac YI, Lin Ni Lisa CHENG, Daniel John MARSCH, Allison FENICHEL, Jacob BALGOYEN
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Publication number: 20230153562Abstract: The disclosed embodiments provide a payment card. The payment card may have a first face and a second face opposite the first. Additionally, the payment card may comprise a first smart chip, the first smart chip having contacts that are electronically accessible from the first face of the card. The payment card may further comprise a first antenna coupled to the first smart chip, the first antenna providing near-field contactless access to the first smart chip and a second smart chip, the second smart chip having contacts that are electronically accessible from the second face of thecard. Additionally, the payment card may comprise a second antenna coupled to the second smart chip, the second antenna providing near-field contactless access to the second smart chip and an RF block that electronically isolates the first antenna and the second antenna from each other.Type: ApplicationFiled: January 17, 2023Publication date: May 18, 2023Applicant: Capital One Services, LLCInventors: William Fowler CARROLL, II, Daniel John MARSCH, Bryant Alan YEE, Andrea MONTEALEGRE
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Patent number: 11556752Abstract: The disclosed embodiments provide a payment card. The payment card may have a first face and a second face opposite the first. Additionally, the payment card may comprise a first smart chip, the first smart chip having contacts that are electronically accessible from the first face of the card. The payment card may further comprise a first antenna coupled to the first smart chip, the first antenna providing near-field contactless access to the first smart chip and a second smart chip, the second smart chip having contacts that are electronically accessible from the second face of the card. Additionally, the payment card may comprise a second antenna coupled to the second smart chip, the second antenna providing near-field contactless access to the second smart chip and an RF block that electronically isolates the first antenna and the second antenna from each other.Type: GrantFiled: April 30, 2021Date of Patent: January 17, 2023Assignee: Capital One Services, LLCInventors: William Fowler Carroll, II, Daniel John Marsch, Bryant Alan Yee, Andrea Montealegre
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Patent number: 11550887Abstract: A method and system include receiving, by a processor of a server, from a computing device associated with a user, real-time user activity data identifying at least one activity performed on the computing device. User-inputted data elements from a plurality of elements of a graphical user interface displayed on the computing device are received, which identify user-specific data attributes. Potential user-specific knowledge information is identified from databases based on at least one user-specific data attribute. User-specific challenge questions based on the potential user-specific knowledge information are generated and displayed on the user's computing device. Answers to the user-specific challenge questions by the user are received. An answer score based on correct answers and a behavioral score based the real-time user activity data of the user are determined. The processor determines whether the user is or is not a fraudster based on the answer score and the behavioral score.Type: GrantFiled: December 16, 2020Date of Patent: January 10, 2023Inventors: Abdelkader M'Hamed Benkreira, Phoebe Atkins, Andrea Montealegre, Nagaraju Gaddigopula, William Prior, Daniel John Marsch
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Patent number: 11507940Abstract: In one aspect, the present disclosure relates to a payment card amplification device comprising a card reader, an amplifier, an antenna, and a power supply. The card reader is configured to read payment card information from a payment card and generate an output signal comprising the payment card information. The amplifier is coupled to receive the card reader output signal and configured to generate an amplified signal comprising the payment card information. The antenna is coupled to receive the amplified signal and transmit the payment card information, wherein the transmitted payment card information can be read by a payment terminal. The power supply is coupled to a power source and configured provide power to the card reader and the amplifier.Type: GrantFiled: October 10, 2019Date of Patent: November 22, 2022Assignee: Capital One Services, LLCInventors: Joshua Edwards, Michael Mossoba, Abdelkader M'Hamed Benkreira, Daniel John Marsch
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Patent number: 11457085Abstract: An example method includes receiving user profile configuration information identifying a user and determining a recipient list for push-based information updates. The recipient list comprises a plurality of other computing devices and the recipient list is associated with the user profile configuration information. The method further includes determining an information set or application for the push-based information updates. The method further includes receiving an input comprising a change to the information set or the application. The method further includes running a daemon process as a background process of an operating system of the computing device. The daemon process is configured to monitor the information set or the application for the change and automatically transmit the change directly to the plurality of other computing devices without being received by any intermediate devices so as to push the change upon the receiving of the change to the information set or the application.Type: GrantFiled: January 6, 2021Date of Patent: September 27, 2022Assignee: CAPITAL ONE SERVICES, LLCInventors: Eric Loucks, Ethan Lo, Daniel John Marsch
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Publication number: 20220253838Abstract: Example embodiments of systems, methods, and computer-accessible mediums for transaction authorization are provided. An exemplary system can comprise a card including an input device and a display device in data communication with a server. The server can generate an authorization passcode upon an initiation of a transaction session, and the card can receive an entered passcode through the input device, display the entered passcode on the display device, and transmit the entered passcode to the server for comparison to the authorization passcode. Upon a determination that the entered passcode is a match for the authorization passcode, the server can transmit a match notification indicating the transaction session is valid, and upon a determination that the entered passcode is a mismatch for the authorization passcode, the server can transmit a mismatch notification terminating the transaction session.Type: ApplicationFiled: April 26, 2022Publication date: August 11, 2022Inventors: Cruz VARGAS, Andrea MONTEALEGRE, Daniel John MARSCH, Sophie BERMUDEZ, William CARROLL
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Publication number: 20220217216Abstract: An example method includes receiving user profile configuration information identifying a user and determining a recipient list for push-based information updates. The recipient list comprises a plurality of other computing devices and the recipient list is associated with the user profile configuration information. The method further includes determining an information set or application for the push-based information updates. The method further includes receiving an input comprising a change to the information set or the application. The method further includes running a daemon process as a background process of an operating system of the computing device. The daemon process is configured to monitor the information set or the application for the change and automatically transmit the change directly to the plurality of other computing devices without being received by any intermediate devices so as to push the change upon the receiving of the change to the information set or the application.Type: ApplicationFiled: January 6, 2021Publication date: July 7, 2022Inventors: Eric Loucks, Ethan Lo, Daniel John Marsch
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Publication number: 20220188389Abstract: A method and system include receiving, by a processor of a server, from a computing device associated with a user, real-time user activity data identifying at least one activity performed on the computing device. User-inputted data elements from a plurality of elements of a graphical user interface displayed on the computing device are received, which identify user-specific data attributes. Potential user-specific knowledge information is identified from databases based on at least one user-specific data attribute. User-specific challenge questions based on the potential user-specific knowledge information are generated and displayed on the user's computing device. Answers to the user-specific challenge questions by the user are received. An answer score based on correct answers and a behavioral score based the real-time user activity data of the user are determined. The processor determines whether the user is or is not a fraudster based on the answer score and the behavioral score.Type: ApplicationFiled: December 16, 2020Publication date: June 16, 2022Inventors: Abdelkader M'Hamed Benkreira, Phoebe Atkins, Andrea Montealegre, Nagaraju Gaddigopula, William Prior, Daniel John Marsch
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Patent number: 11361315Abstract: Example embodiments of systems, methods, and computer-accessible mediums for transaction authorization are provided. An exemplary system can comprise a card including an input device and a display device in data communication with a server. The server can generate an authorization passcode upon an initiation of a transaction session, and the card can receive an entered passcode through the input device, display the entered passcode on the display device, and transmit the entered passcode to the server for comparison to the authorization passcode. Upon a determination that the entered passcode is a match for the authorization passcode, the server can transmit a match notification indicating the transaction session is valid, and upon a determination that the entered passcode is a mismatch for the authorization passcode, the server can transmit a mismatch notification terminating the transaction session.Type: GrantFiled: May 13, 2020Date of Patent: June 14, 2022Assignee: CAPITAL ONE SERVICES, LLCInventors: Cruz Vargas, Andrea Montealegre, Daniel John Marsch, Sophie Bermudez, William Carroll
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Patent number: 11343663Abstract: An automated method is provided for activating a NFC application in a mobile interface device. In this method, the device receives from a beacon a wireless beacon signal comprising at least one beacon identifier. The wireless beacon signal is processed by the mobile interface device to determine the at least one beacon identifier. The mobile interface device determines based on the at least one beacon identifier, whether to activate the NFC application. Responsive to a determination that the NFC application should be activated, the mobile interface device transitions the NFC application from a passive state to an active state. NFC communication is then established between the mobile interface device and at least one NFC transmitting device disposed within a beacon range volume defined by the beacon location and the beacon range.Type: GrantFiled: August 28, 2020Date of Patent: May 24, 2022Assignee: CAPITAL ONE SERVICES, LLCInventors: David Gabriele, Wayne Lutz, Lin Ni Lisa Cheng, Daniel John Marsch, Tyler Maiman, Saleem Ahmed Sangi, Kevin Osborn
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Publication number: 20220049540Abstract: Embodiments of systems, methods, and devices for protecting service personnel by deploying a physical barrier are described. Further embodiments describe additional security features such as lights, sirens, cameras, electronic locks, timers, and/or notifying security personnel or local law enforcement when the system is activated.Type: ApplicationFiled: June 25, 2021Publication date: February 17, 2022Inventors: Abdelkader BENKREIRA, Daniel John MARSCH, Joshua EDWARDS, Michael MOSSOBA
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Publication number: 20210357921Abstract: Example embodiments of systems, methods, and computer-accessible mediums for transaction authorization are provided. An exemplary system can comprise a card including an input device and a display device in data communication with a server. The server can generate an authorization passcode upon an initiation of a transaction session, and the card can receive an entered passcode through the input device, display the entered passcode on the display device, and transmit the entered passcode to the server for comparison to the authorization passcode. Upon a determination that the entered passcode is a match for the authorization passcode, the server can transmit a match notification indicating the transaction session is valid, and upon a determination that the entered passcode is a mismatch for the authorization passcode, the server can transmit a mismatch notification terminating the transaction session.Type: ApplicationFiled: May 13, 2020Publication date: November 18, 2021Inventors: Cruz VARGAS, Andrea MONTEALEGRE, Daniel John MARSCH, Sophie BERMUDEZ, William CARROLL
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Publication number: 20210329437Abstract: An automated method is provided for initiating a transaction function in a transaction processing device. The method comprises establishing near field communication between the transaction processing device and an NFC transmitting device having an associated tag identifier and receiving NFC information including the tag identifier. The transaction processing device transmits the NFC information to a merchant processor and receives from the merchant processor a tag rule communication including an instruction to carry out a transaction function associated with the tag identifier or a request to associate a new transaction function with the tag identifier. Responsive to receiving an instruction to carry out a transaction function associated with the tag identifier, the transaction processing device executes the transaction function.Type: ApplicationFiled: July 1, 2021Publication date: October 21, 2021Inventors: David GABRIELE, Wayne LUTZ, Lin Ni Lisa CHENG, Daniel John MARSCH, Tyler MAIMAN, Saleem Ahmed SANGI, Kevin OSBORN
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Publication number: 20210256343Abstract: The disclosed embodiments provide a payment card. The payment card may have a first face and a second face opposite the first. Additionally, the payment card may comprise a first smart chip, the first smart chip having contacts that are electronically accessible from the first face of the card. The payment card may further comprise a first antenna coupled to the first smart chip, the first antenna providing near-field contactless access to the first smart chip and a second smart chip, the second smart chip having contacts that are electronically accessible from the second face of the card. Additionally, the payment card may comprise a second antenna coupled to the second smart chip, the second antenna providing near-field contactless access to the second smart chip and an RF block that electronically isolates the first antenna and the second antenna from each other.Type: ApplicationFiled: April 30, 2021Publication date: August 19, 2021Applicant: Capital One Services, LLCInventors: William Fowler CARROLL II, Daniel John Marsch, Bryant Alan Yee, Andrea Montealegre
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Patent number: 11089461Abstract: An automated method is provided for initiating a transaction function in a transaction processing device. The method comprises establishing near field communication between the transaction processing device and an NFC transmitting device having an associated tag identifier and receiving NFC information including the tag identifier. The transaction processing device transmits the NFC information to a merchant processor and receives from the merchant processor a tag rule communication including an instruction to carry out a transaction function associated with the tag identifier or a request to associate a new transaction function with the tag identifier. Responsive to receiving an instruction to carry out a transaction function associated with the tag identifier, the transaction processing device executes the transaction function.Type: GrantFiled: May 31, 2019Date of Patent: August 10, 2021Assignee: CAPITAL ONE SERVICES, LLCInventors: David Gabriele, Wayne Lutz, Lin Ni Lisa Cheng, Daniel John Marsch, Tyler Maiman, Saleem Ahmed Sangi, Kevin Osborn
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Patent number: D958241Type: GrantFiled: July 20, 2020Date of Patent: July 19, 2022Assignee: Capital One Services, LLCInventors: William Fowler Carroll, II, Daniel John Marsch, Bryant Alan Yee, Andrea Montealegre
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Patent number: D1020873Type: GrantFiled: June 6, 2022Date of Patent: April 2, 2024Assignee: Capital One Services, LLCInventors: William Fowler Carroll, II, Daniel John Marsch, Bryant Alan Yee, Andrea Montealegre