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: 20210224763Abstract: 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: April 5, 2021Publication date: July 22, 2021Inventor: Adam R. Koeppel
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Publication number: 20210182958Abstract: The disclosed embodiments include methods and systems for switching electronic accounts using self-service device. The account switch system may receive, from the self-service device, a request to switch an existing electronic account associated with a first provider to a new electronic account associated with a second provider. The account switch system may also receive, from the self-service device, information associated with the existing electronic account. The account switch system may generate the new electronic account associated with the second financial service provider and transfer data, such as funds, associated with the existing electronic account to the new electronic account. The account switch system may send information associated with the new electronic account to the self-service device, and the self-service device may provide a new account card associated with the individual and the new electronic account to the individual that is ready for use.Type: ApplicationFiled: February 25, 2021Publication date: June 17, 2021Applicant: Capital One Services, LLCInventors: Mark Mendez, Adam R. Koeppel
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Patent number: 11037134Abstract: A system for securely updating an electronic transaction card held by an account holder with an additional account and/or account data is described. A dynamic transaction card may be securely updated with an additional account by using pre-stored shell data and/or inactive data, whereby the pre-stored shell data may be populated using data received from an issuer system and/or the inactive data may be activated via an activation signal received from a mobile device. A backend server may determine, via a fraud determination, expiration determination, and/or user-request, that new account data should be transmitted to an account holder. The dynamic transaction card may receive the data associated with a notification, update a display, instruct an EMV applet to use a key associated with a received EMV key identifier for signatures, and/or update any additional data stored on the dynamic transaction card.Type: GrantFiled: February 6, 2020Date of Patent: June 15, 2021Assignee: CAPITAL ONE SERVICES, LLCInventors: James Zarakas, Adam R. Koeppel, Kevin P. Kelly, David Wurmfeld
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Patent number: 11032322Abstract: 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: September 16, 2019Date of Patent: June 8, 2021Assignee: Capital One Services, LLCInventors: Kevin P. Kelly, Saleem A. Sangi, Robert T. Perry, Adam R. Koeppel
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Patent number: 11023877Abstract: 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: July 2, 2019Date of Patent: June 1, 2021Assignee: Capital One Services, LLCInventors: Adam R. Koeppel, Alex Leo Niderberg
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Publication number: 20210090045Abstract: 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: December 4, 2020Publication date: March 25, 2021Applicant: Capital One Services, LLCInventors: Adam R. Koeppel, Alex Leo Niderberg
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Patent number: 10956971Abstract: The disclosed embodiments include methods and systems for switching electronic accounts using self-service device. The account switch system may receive, from the self-service device, a request to switch an existing electronic account associated with a first provider to a new electronic account associated with a second provider. The account switch system may also receive, from the self-service device, information associated with the existing electronic account. The account switch system may generate the new electronic account associated with the second financial service provider and transfer data, such as funds, associated with the existing electronic account to the new electronic account. The account switch system may send information associated with the new electronic account to the self-service device, and the self-service device may provide a new account card associated with the individual and the new electronic account to the individual that is ready for use.Type: GrantFiled: June 29, 2015Date of Patent: March 23, 2021Assignee: Capital One Services, LLCInventors: Mark Mendez, Adam R. Koeppel
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Publication number: 20210056533Abstract: 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 8, 2020Publication date: February 25, 2021Applicant: 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: 10915877Abstract: 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: June 29, 2018Date of Patent: February 9, 2021Assignee: Capital One Services, LLCInventors: Adam R. Koeppel, Alex Leo Niderberg
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Patent number: 10769616Abstract: 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: October 3, 2019Date of Patent: September 8, 2020Assignee: 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: 10719820Abstract: 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: April 10, 2019Date of Patent: July 21, 2020Assignee: Capital One Services, LLCInventors: Adam R. Koeppel, Alex Leo Niderberg
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Publication number: 20200210993Abstract: A system for securely updating an electronic transaction card held by an account holder with an additional account and/or account data is described. A dynamic transaction card may be securely updated with an additional account by using pre-stored shell data and/or inactive data, whereby the pre-stored shell data may be populated using data received from an issuer system and/or the inactive data may be activated via an activation signal received from a mobile device. A backend server may determine, via a fraud determination, expiration determination, and/or user-request, that new account data should be transmitted to an account holder. The dynamic transaction card may receive the data associated with a notification, update a display, instruct an EMV applet to use a key associated with a received EMV key identifier for signatures, and/or update any additional data stored on the dynamic transaction card.Type: ApplicationFiled: February 6, 2020Publication date: July 2, 2020Inventors: James Zarakas, Adam R. Koeppel, Kevin P. Kelly, David Wurmfeld
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Publication number: 20200154518Abstract: 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: ApplicationFiled: January 16, 2020Publication date: May 14, 2020Applicant: Capital One Services, LLCInventors: Adam R. Koeppel, James Zarakas, Molly Johnson, Tyler Locke, Rajko Ilincic, Kevan Emmott
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Publication number: 20200134600Abstract: 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 24, 2018Publication date: April 30, 2020Applicant: Capital One Services, LLCInventors: Adam R. Koeppel, James Zarakas, Molly Johnson, Tyler Locke
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Publication number: 20200134599Abstract: 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 24, 2018Publication date: April 30, 2020Applicant: Capital One Services, LLCInventors: Adam R. Koeppel, James Zarakas, Molly Johnson, Tyler Locke, Rajko Ilincic, Kevan Emmott
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Patent number: 10614446Abstract: A system for securely updating an electronic transaction card held by an account holder with an additional account and/or account data. A dynamic transaction card may be securely updated with an additional account by using pre-stored shell data and/or inactive data, whereby the pre-stored shell data may be populated using data received from an issuer system and/or the inactive data may be activated via an activation signal received from an issuer system. A backend server may determine, via a fraud determination, expiration determination, and/or user-request, that new account data should be transmitted to an account holder. The dynamic transaction card may receive the data associated with a notification, update a display, instruct an EMV applet to use a key associated with a received EMV key identifier for signatures, and/or update any additional data stored on the dynamic transaction card.Type: GrantFiled: September 25, 2019Date of Patent: April 7, 2020Assignee: CAPITAL ONE SERVICES, LLCInventors: James Zarakas, Adam R. Koeppel, Kevin Kelly, David Wurmfeld
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Patent number: 10588175Abstract: 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: GrantFiled: October 24, 2018Date of Patent: March 10, 2020Assignee: Capital One Services, LLCInventors: Adam R. Koeppel, James Zarakas, Molly Johnson, Tyler Locke, Rajko Ilincic, Kevan Emmott
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Publication number: 20200074256Abstract: 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: January 7, 2019Publication date: March 5, 2020Inventors: Adam R. KOEPPEL, Molly JOHNSON, Tyler LOCKE, James ZARAKAS
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Patent number: 10579917Abstract: 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: January 7, 2019Date of Patent: March 3, 2020Assignee: Capital One Services, LLCInventors: Adam R. Koeppel, Molly Johnson, Tyler Locke, James Zarakas
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Publication number: 20200034817Abstract: 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: October 3, 2019Publication date: January 30, 2020Applicant: Capital One Services, LLCInventors: Adam R. KOEPPEL, Alex Leo NIDERBERG, Kevin KELLY, Mili MITTAL, Sarah CALANDRO, Jonathan R. TURFBOER