Patents by Inventor Adam R. Koeppel
Adam R. Koeppel 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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Publication number: 20240144234Abstract: 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 receiving a command configured to be executed by an external user device. The external user device and the user device may be members of a network of trust. The processing may include detecting, by the wireless transceiver, a plurality of member devices of the network of trust in communication range of the device. The processing may include sending, by the wireless transceiver, the command to each of the plurality of member devices.Type: ApplicationFiled: January 4, 2024Publication date: May 2, 2024Applicant: CAPITAL ONE SERVICES, LLCInventors: Adam R. KOEPPEL, James ZARAKAS, Molly JOHNSON, Tyler LOCKE, Rajko ILINCIC, Kevan EMMOTT
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Patent number: 11935017Abstract: A system for reprogramming a transaction card may include a reprogrammable microchip transaction card, an account provider system, and a mobile device. A reprogrammable transaction card may include an embedded microprocessor chip, or integrated circuit (IC), housing various modules to provide card capabilities, such as transaction capabilities, security capabilities, and reprogramming capabilities. An account provider system may include a number of servers and computers, each equipped with storage and modules programmed with various capabilities, such as, storing cardholder data, transaction processing, and/or transaction card reprogramming. A user device may include various hardware and software components, such as a Near Field Communication (NFC) hardware and software components, one or more processors, various input/output interfaces, and/or modules, such as transaction processing modules and transaction card resetting modules.Type: GrantFiled: October 25, 2022Date of Patent: March 19, 2024Assignee: CAPITAL ONE SERVICES, LLCInventor: Adam R. Koeppel
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Patent number: 11915223Abstract: Systems and methods are disclosed for providing account balance notifications. The disclosed embodiments generally relate to using transmitters to activate a mobile application to request financial account information, such as an account balance, and display the requested information, via the mobile device, before the customer uses an automated teller machine (ATM) or conducts a transaction at a bank branch. In certain embodiments, the transmitters are low energy transmitters. Other aspects of the disclosed embodiments are described herein.Type: GrantFiled: June 1, 2021Date of Patent: February 27, 2024Assignee: Capital One Services, LLCInventors: Adam R. Koeppel, Alex Leo Niderberg
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Publication number: 20240062187Abstract: 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 sending, by the wireless transceiver, a request to share a transaction to at least one external user device in communication range of the device. The processing may include receiving, at the wireless transceiver, at least one sharing confirmation from the at least one external user device. The processing may include generating a transaction request. The transaction request may include data describing the transaction and a transaction portion to be paid by an account associated with the device. The processing may include sending the transaction request to a transaction service for fulfillment.Type: ApplicationFiled: October 31, 2023Publication date: February 22, 2024Applicant: CAPITAL ONE SERVICES, LLCInventors: Adam R. KOEPPEL, James ZARAKAS, Molly JOHNSON, Tyler LOCKE
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Patent number: 11900354Abstract: 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 receiving a command configured to be executed by an external user device. The external user device and the user device may be members of a network of trust. The processing may include detecting, by the wireless transceiver, a plurality of member devices of the network of trust in communication range of the device. The processing may include sending, by the wireless transceiver, the command to each of the plurality of member devices.Type: GrantFiled: October 6, 2022Date of Patent: February 13, 2024Assignee: CAPITAL ONE SERVICES, LLCInventors: Adam R. Koeppel, James Zarakas, Molly Johnson, Tyler Locke, Rajko Ilincic, Kevan Emmott
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Publication number: 20240037525Abstract: Systems and methods are disclosed for the deposit, withdrawal, and reuse of currency for transactions. According to disclosed embodiments, an intelligent teller machine (ITM) is configured to receive currency as payment for a transaction, to calculate and dispense any change due, and to request that the net value of the transaction (e.g., the revenue) be deposited into the financial account of the business. The currency received by the ITM is also available to make change for future purchase transactions.Type: ApplicationFiled: September 29, 2023Publication date: February 1, 2024Applicant: Capital One Services, LLCInventors: Adam R. KOEPPEL, Alex Leo NIDERBERG
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Publication number: 20230419297Abstract: 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.Type: ApplicationFiled: September 11, 2023Publication date: December 28, 2023Applicant: Capital One Services, LLCInventors: Adam R. KOEPPEL, Alex Leo NIDERBERG, Kevin KELLY, Mili MITTAL, Sarah CALANDRO, Jonathan R. TURFBOER
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Publication number: 20230401562Abstract: A contactless payment device including a wireless communication device; a power source; a processor coupled to the power source; an accelerometer communicatively coupled to the processor and the power source; and an actuator communicatively coupled to the wireless communication device and the processor. The actuator is configured to activate the wireless communication device when the actuator is set in a closed state, and deactivate the wireless communication device when the actuator is set in an open state, The processor is configured to receive an incoming signal from the accelerometer; determine whether the incoming signal corresponds to a pre-programmed signal corresponding to an enabling gesture; and set the actuator in the dosed state for a time interval, when the incoming signal corresponds to the enabling gesture.Type: ApplicationFiled: August 28, 2023Publication date: December 14, 2023Applicant: Capital One Services, LLCInventors: Tyler LOCKE, Adam R. KOEPPEL
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Patent number: 11842331Abstract: 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 sending, by the wireless transceiver, a request to share a transaction to at least one external user device in communication range of the device. The processing may include receiving, at the wireless transceiver, at least one sharing confirmation from the at least one external user device. The processing may include generating a transaction request. The transaction request may include data describing the transaction and a transaction portion to be paid by an account associated with the device. The processing may include sending the transaction request to a transaction service for fulfillment.Type: GrantFiled: October 24, 2018Date of Patent: December 12, 2023Assignee: Capital One Services, LLCInventors: Adam R. Koeppel, James Zarakas, Molly Johnson, Tyler Locke
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Patent number: 11823147Abstract: Systems and methods are disclosed for the deposit, withdrawal, and reuse of currency for transactions. According to disclosed embodiments, an intelligent teller machine (ITM) is configured to receive currency as payment for a transaction, to calculate and dispense any change due, and to request that the net value of the transaction (e.g., the revenue) be deposited into the financial account of the business. The currency received by the ITM is also available to make change for future purchase transactions.Type: GrantFiled: December 4, 2020Date of Patent: November 21, 2023Assignee: Capital One Services, LLCInventors: Adam R. Koeppel, Alex Leo Niderberg
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Patent number: 11803835Abstract: 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.Type: GrantFiled: September 8, 2020Date of Patent: October 31, 2023Assignee: Capital One Services, LLCInventors: Adam R. Koeppel, Alex Leo Niderberg, Kevin Kelly, Mili Mittal, Sarah Calandro, Jonathan R. Turfboer
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Patent number: 11756015Abstract: Systems and methods are disclosed for the deposit, withdrawal, and reuse of currency for transactions. According to disclosed embodiments, an intelligent teller machine (ITM) is configured to receive currency as payment for a transaction, to calculate and dispense any change due, and to request that the net value of the transaction (e.g., the revenue) be deposited into the financial account of the business. The currency received by the ITM is also available to make change for future purchase transactions.Type: GrantFiled: July 11, 2022Date of Patent: September 12, 2023Assignee: Capital One Services, LLCInventors: Adam R. Koeppel, Alex Leo Niderberg
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Patent number: 11741457Abstract: A contactless payment device including a wireless communication device; a power source; a processor coupled to the power source; an accelerometer communicatively coupled to the processor and the power source; and an actuator communicatively coupled to the wireless communication device and the processor. The actuator is configured to activate the wireless communication device when the actuator is set in a closed state, and deactivate the wireless communication device when the actuator is set in an open state. The processor is configured to receive an incoming signal from the accelerometer; determine whether the incoming signal corresponds to a pre-programmed signal corresponding to an enabling gesture; and set the actuator in the dosed state for a time interval, when the incoming signal corresponds to the enabling gesture.Type: GrantFiled: November 16, 2021Date of Patent: August 29, 2023Assignee: Capital One Services, LLCInventors: Tyler Locke, Adam R. Koeppel
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Publication number: 20230186044Abstract: 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.Type: ApplicationFiled: February 6, 2023Publication date: June 15, 2023Inventors: Adam R. KOEPPEL, Molly JOHNSON, Tyler LOCKE, James ZARAKAS
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Publication number: 20230135455Abstract: Systems and methods for securely pairing a transmitting device with a receiving device are described. The systems and methods may communicate with a first device via a first communication method over a wireless communication network. The systems and methods may transmit, to the first device via a second communication method, a first sensory pattern representing a first key. In addition, the system and methods may communicate with the first device via the first communication method using the first key.Type: ApplicationFiled: December 27, 2022Publication date: May 4, 2023Applicant: Capital One Services, LLCInventors: Kevin P. KELLY, Saleem A. SANGI, Robert T. PERRY, Adam R. KOEPPEL
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Publication number: 20230046931Abstract: A system for reprogramming a transaction card may include a reprogrammable microchip transaction card, an account provider system, and a mobile device. A reprogrammable transaction card may include an embedded microprocessor chip, or integrated circuit (IC), housing various modules to provide card capabilities, such as transaction capabilities, security capabilities, and reprogramming capabilities. An account provider system may include a number of servers and computers, each equipped with storage and modules programmed with various capabilities, such as, storing cardholder data, transaction processing, and/or transaction card reprogramming. A user device may include various hardware and software components, such as a Near Field Communication (NFC) hardware and software components, one or more processors, various input/output interfaces, and/or modules, such as transaction processing modules and transaction card resetting modules.Type: ApplicationFiled: October 25, 2022Publication date: February 16, 2023Inventor: Adam R. Koeppel
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Patent number: 11580343Abstract: 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.Type: GrantFiled: August 30, 2021Date of Patent: February 14, 2023Assignee: Capital One Services, LLCInventors: Adam R. Koeppel, Molly Johnson, Tyler Locke, James Zarakas
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Publication number: 20230031947Abstract: 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 receiving a command configured to be executed by an external user device. The external user device and the user device may be members of a network of trust. The processing may include detecting, by the wireless transceiver, a plurality of member devices of the network of trust in communication range of the device. The processing may include sending, by the wireless transceiver, the command to each of the plurality of member devices.Type: ApplicationFiled: October 6, 2022Publication date: February 2, 2023Applicant: CAPITAL ONE SERVICES, LLCInventors: Adam R. KOEPPEL, James Zarakas, Molly Johnson, Tyler Locke, Rajko Ilincic, Kevan Emmott
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Patent number: 11563775Abstract: Systems and methods for securely pairing a transmitting device with a receiving device are described. The systems and methods may communicate with a first device via a first communication method over a wireless communication network. The systems and methods may transmit, to the first device via a second communication method, a first sensory pattern representing a first key. In addition, the system and methods may communicate with the first device via the first communication method using the first key.Type: GrantFiled: June 3, 2021Date of Patent: January 24, 2023Assignee: Capital One Services, LLCInventors: Kevin P. Kelly, Saleem A. Sangi, Robert T. Perry, Adam R. Koeppel
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Patent number: 11514416Abstract: A system for reprogramming a transaction card may include a reprogrammable microchip transaction card, an account provider system, and a mobile device. A reprogrammable transaction card may include an embedded microprocessor chip, or integrated circuit (IC), housing various modules to provide card capabilities, such as transaction capabilities, security capabilities, and reprogramming capabilities. An account provider system may include a number of servers and computers, each equipped with storage and modules programmed with various capabilities, such as, storing cardholder data, transaction processing, and/or transaction card reprogramming. A user device may include various hardware and software components, such as a Near Field Communication (NFC) hardware and software components, one or more processors, various input/output interfaces, and/or modules, such as transaction processing modules and transaction card resetting modules.Type: GrantFiled: April 5, 2021Date of Patent: November 29, 2022Assignee: CAPITAL ONE SERVICES, LLCInventor: Adam R. Koeppel