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: 10339507
    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: August 18, 2015
    Date of Patent: July 2, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Adam R. Koeppel, Alex Leo Niderberg
  • Publication number: 20190197509
    Abstract: A system for conducting a transaction is disclosed. The system may include one or more memory devices storing instructions and one or more processors configured to execute the instructions to receive information associated with a transaction initiated using a multi-account card. The one or more processors may be further configured to select and employ one of a plurality of transaction accounts to complete the transaction.
    Type: Application
    Filed: March 1, 2019
    Publication date: June 27, 2019
    Applicant: Capital One Financial Corporation
    Inventors: Mohamed Lafeer, Adam R. Koeppel
  • Patent number: 10311422
    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: Grant
    Filed: April 9, 2018
    Date of Patent: June 4, 2019
    Assignee: Capital One Services, LLC
    Inventors: Adam R. Koeppel, Alex Leo Niderberg
  • Patent number: 10313393
    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 acquire from the first device via a second communication method, a first sensory pattern representing a first key, the first key being a security key, wherein the second communication method is different from the first communication method. In addition, the systems and methods may determine the first key by deciphering the first sensory pattern using a deciphering scheme. Further, the system and methods may communicate with the first device via the first communication method using the first key.
    Type: Grant
    Filed: November 16, 2017
    Date of Patent: June 4, 2019
    Assignee: Capital One Services, LLC
    Inventors: Kevin Patrick Kelly, Saleem Ahmed Sangi, Robert Thomas Perry, Adam R. Koeppel
  • Patent number: 10296888
    Abstract: A system for conducting a transaction is disclosed. The system may include one or more memory devices storing instructions and one or more processors configured to execute the instructions to receive information associated with a transaction initiated using a multi-account card. The one or more processors may be further configured to select and employ one of a plurality of transaction accounts to complete the transaction.
    Type: Grant
    Filed: May 15, 2015
    Date of Patent: May 21, 2019
    Assignee: Capital One Services, LLC
    Inventors: Mohamed Lafeer, Adam R Koeppel
  • Publication number: 20190149577
    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 acquire from the first device via a second communication method, a first sensory pattern representing a first key, the first key being a security key, wherein the second communication method is different from the first communication method. In addition, the systems and methods may determine the first key by deciphering the first sensory pattern using a deciphering scheme. Further, the system and methods may communicate with the first device via the first communication method using the first key.
    Type: Application
    Filed: November 16, 2017
    Publication date: May 16, 2019
    Applicant: Capital One Services, LLC
    Inventors: Kevin Patrick KELLY, Saleem Ahmed SANGI, Robert Thomas PERRY, Adam R. KOEPPEL
  • Publication number: 20190149578
    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: October 3, 2018
    Publication date: May 16, 2019
    Applicant: Capital One Services, LLC
    Inventors: Kevin P. KELLY, Saleem Ahmed SANGI, Robert Thomas PERRY, Adam R. KOEPPEL
  • Patent number: 10262359
    Abstract: Systems and methods are provided for displaying account information. The systems and methods may include a status display device connected to a network in a home or office environment. The status display may be configured to provide a constant status indicator, to provide a user with a quick and simple account status, without the need for multi-step login and verification processes. The status display may receive account status information from a server, the account status information excluding sensitive information identifying the user or the account. The status display may provide colored indicators to inform the user of their financial situation while reducing security risks and reducing processing capability requirements, thereby allowing for a simple status display device that can be placed throughout a household or integrated into common household items.
    Type: Grant
    Filed: October 22, 2015
    Date of Patent: April 16, 2019
    Assignee: Capital One Services, LLC
    Inventors: Adam R. Koeppel, Alex L. Niderberg
  • Patent number: 10262313
    Abstract: A system for conducting a transaction is disclosed. The system may include one or more memory devices storing instructions and one or more processors configured to execute the instructions to receive information associated with a transaction initiated using a multi-account card. The one or more processors may be further configured to select and employ one of a plurality of transaction accounts to complete the transaction.
    Type: Grant
    Filed: March 27, 2018
    Date of Patent: April 16, 2019
    Assignee: Capital One Services, LLC
    Inventors: Mohamed Lafeer, Adam R. Koeppel
  • Patent number: 10248936
    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: February 15, 2018
    Date of Patent: April 2, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Adam R. Koeppel, Alex Leo Niderberg
  • Patent number: 10176414
    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 31, 2018
    Date of Patent: January 8, 2019
    Assignee: Capital One Services, LLC
    Inventors: Adam R. Koeppel, Molly Johnson, Tyler Locke, James Zarakas
  • Publication number: 20180336626
    Abstract: Systems and methods are provided for displaying account information. The systems and methods may include a status display device connected to a network in a home or office environment. The status display may be configured to provide a constant status indicator, to provide a user with a quick and simple account status, without the need for multi-step login and verification processes. The status display may receive account status information from a server, the account status information excluding sensitive information identifying the user or the account. The status display may provide colored indicators to inform the user of their financial situation while reducing security risks and reducing processing capability requirements, thereby allowing for a simple status display device that can be placed throughout a household or integrated into common household items.
    Type: Application
    Filed: July 27, 2018
    Publication date: November 22, 2018
    Applicant: CAPITAL ONE SERVICES, LLC
    Inventors: Adam R. Koeppel, Alex L. Niderberg
  • Patent number: 10127545
    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: May 8, 2018
    Date of Patent: November 13, 2018
    Assignee: Capital One Services, LLC
    Inventors: Adam R. Koeppel, Alex Leo Niderberg, Kevin Kelly, Mili Mittal, Sarah Calandro, Jonathan R. Turfboer
  • Patent number: 10122756
    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: November 29, 2017
    Date of Patent: November 6, 2018
    Assignee: Capital One Services, LLC
    Inventors: Kevin Patrick Kelly, Saleem Ahmed Sangi, Robert Thomas Perry, Adam R. Koeppel
  • Publication number: 20180308077
    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: June 29, 2018
    Publication date: October 25, 2018
    Applicant: Capital One Services, LLC
    Inventors: Adam R. KOEPPEL, Alexander L. NIDERBERG
  • Publication number: 20180253716
    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: Application
    Filed: May 8, 2018
    Publication date: September 6, 2018
    Applicant: Capital One Services, LLC
    Inventors: Adam R. KOEPPEL, Alex Leo NIDERBERG, Kevin KELLY, Mili MITTAL, Sarah CALANDRO, Jonathan R. TURFBOER
  • Publication number: 20180225652
    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: April 9, 2018
    Publication date: August 9, 2018
    Inventors: Adam R. KOEPPEL, Alex Leo NIDERBERG
  • Publication number: 20180218352
    Abstract: A system for conducting a transaction is disclosed. The system may include one or more memory devices storing instructions and one or more processors configured to execute the instructions to receive information associated with a transaction initiated using a multi-account card. The one or more processors may be further configured to select and employ one of a plurality of transaction accounts to complete the transaction.
    Type: Application
    Filed: March 27, 2018
    Publication date: August 2, 2018
    Applicant: Capital One Services, LLC
    Inventors: Mohamed Lafeer, Adam R. Koeppel
  • Patent number: 10007905
    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 21, 2017
    Date of Patent: June 26, 2018
    Assignee: CAPITAL ONE FINANCIAL CORPORATION
    Inventors: Adam R. Koeppel, Alex Leo Niderberg, Kevin Kelly, Mili Mittal, Sarah Calandro, Jonathan R. Turfboer
  • Publication number: 20180174120
    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: February 15, 2018
    Publication date: June 21, 2018
    Applicant: Capital One Financial Corporation
    Inventors: Adam R. Koeppel, Alexander Leo Niderberg