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).

  • Patent number: 11823147
    Abstract: 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: Grant
    Filed: December 4, 2020
    Date of Patent: November 21, 2023
    Assignee: Capital One Services, LLC
    Inventors: Adam R. Koeppel, Alex Leo Niderberg
  • Patent number: 11803835
    Abstract: 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: Grant
    Filed: September 8, 2020
    Date of Patent: October 31, 2023
    Assignee: Capital One Services, LLC
    Inventors: Adam R. Koeppel, Alex Leo Niderberg, Kevin Kelly, Mili Mittal, Sarah Calandro, Jonathan R. Turfboer
  • Patent number: 11756015
    Abstract: 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: Grant
    Filed: July 11, 2022
    Date of Patent: September 12, 2023
    Assignee: Capital One Services, LLC
    Inventors: Adam R. Koeppel, Alex Leo Niderberg
  • Patent number: 11741457
    Abstract: 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: Grant
    Filed: November 16, 2021
    Date of Patent: August 29, 2023
    Assignee: Capital One Services, LLC
    Inventors: Tyler Locke, Adam R. Koeppel
  • Publication number: 20230186044
    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.
    Type: Application
    Filed: February 6, 2023
    Publication date: June 15, 2023
    Inventors: Adam R. KOEPPEL, Molly JOHNSON, Tyler LOCKE, James ZARAKAS
  • Publication number: 20230135455
    Abstract: 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: Application
    Filed: December 27, 2022
    Publication date: May 4, 2023
    Applicant: Capital One Services, LLC
    Inventors: Kevin P. KELLY, Saleem A. SANGI, Robert T. PERRY, Adam R. KOEPPEL
  • Publication number: 20230046931
    Abstract: 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: Application
    Filed: October 25, 2022
    Publication date: February 16, 2023
    Inventor: Adam R. Koeppel
  • Patent number: 11580343
    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.
    Type: Grant
    Filed: August 30, 2021
    Date of Patent: February 14, 2023
    Assignee: Capital One Services, LLC
    Inventors: Adam R. Koeppel, Molly Johnson, Tyler Locke, James Zarakas
  • Publication number: 20230031947
    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 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: Application
    Filed: October 6, 2022
    Publication date: February 2, 2023
    Applicant: CAPITAL ONE SERVICES, LLC
    Inventors: Adam R. KOEPPEL, James Zarakas, Molly Johnson, Tyler Locke, Rajko Ilincic, Kevan Emmott
  • Patent number: 11563775
    Abstract: 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: Grant
    Filed: June 3, 2021
    Date of Patent: January 24, 2023
    Assignee: Capital One Services, LLC
    Inventors: Kevin P. Kelly, Saleem A. Sangi, Robert T. Perry, Adam R. Koeppel
  • Patent number: 11514416
    Abstract: 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: Grant
    Filed: April 5, 2021
    Date of Patent: November 29, 2022
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventor: Adam R. Koeppel
  • Patent number: 11494757
    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 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: Grant
    Filed: October 24, 2018
    Date of Patent: November 8, 2022
    Assignee: Capital One Services, LLC
    Inventors: Adam R. Koeppel, James Zarakas, Molly Johnson, Tyler Locke, Rajko Ilincic, Kevan Emmott
  • Publication number: 20220343303
    Abstract: 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: Application
    Filed: July 11, 2022
    Publication date: October 27, 2022
    Applicant: Capital One Services, LLC
    Inventors: Adam R. KOEPPEL, Alex Leo NIDERBERG
  • Publication number: 20220101079
    Abstract: 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: Application
    Filed: November 16, 2021
    Publication date: March 31, 2022
    Inventors: Tyler LOCKE, Adam R. Koeppel
  • Patent number: 11212871
    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.
    Type: Grant
    Filed: January 16, 2020
    Date of Patent: December 28, 2021
    Assignee: Capital One Services, LLC
    Inventors: Adam R. Koeppel, James Zarakas, Molly Johnson, Tyler Locke, Rajko Ilincic, Kevan Emmott
  • Publication number: 20210390359
    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.
    Type: Application
    Filed: August 30, 2021
    Publication date: December 16, 2021
    Inventors: Adam R. KOEPPEL, Molly JOHNSON, Tyler LOCKE, James ZARAKAS
  • Patent number: 11188908
    Abstract: A multi-function transaction card may determine whether to submit a first payment as a passive payment device or to receive a second payment from another transaction card. The multi-function transaction card may have a length and a width that are in accordance with a standard for transaction cards. The multi-function transaction card may selectively perform a payment transaction based on determining whether to submit the first payment or to receive the second payment. The payment transaction may be performed by providing first card data to a transaction terminal for processing when the multi-function transaction card is to submit the first payment. The payment transaction may be performed by receiving second card data from the other transaction card, and processing the second card data via online data authentication, or via offline data authentication, when the multi-function transaction card is to receive the second payment.
    Type: Grant
    Filed: July 12, 2018
    Date of Patent: November 30, 2021
    Assignee: Capital One Services, LLC
    Inventors: Tyler Locke, Adam R. Koeppel, Molly Johnson, James Zarakas, David Kelly Wurmfeld, Kevan Emmott, Rajko Ilincic
  • Publication number: 20210357904
    Abstract: 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: Application
    Filed: June 1, 2021
    Publication date: November 18, 2021
    Applicant: CAPITAL ONE SERVICES, LLC
    Inventors: Adam R. KOEPPEL, Alex Leo NIDERBERG
  • Publication number: 20210297450
    Abstract: 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: Application
    Filed: June 3, 2021
    Publication date: September 23, 2021
    Applicant: Capital One Services, LLC
    Inventors: Kevin P. KELLY, Saleem A. SANGI, Robert T. PERRY, Adam R. KOEPPEL
  • Patent number: 11106959
    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.
    Type: Grant
    Filed: February 14, 2020
    Date of Patent: August 31, 2021
    Assignee: Capital One Services, LLC
    Inventors: Adam R. Koeppel, Molly Johnson, Tyler Locke, James Zarakas