Patents by Inventor David Aaron Pinski

David Aaron Pinski 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: 12236428
    Abstract: A method of performing a fund transfer at an ATM includes receiving an active authentication transaction key at an ATM from a mobile financial transaction instrument via a wireless communication protocol, generating a PIN at the ATM, and storing the PIN in a machine readable storage medium. An authorization request message is transmitted to a financial institution identified by the active authentication transaction key. The authorization request message includes the PIN and at least a portion of the active authentication transaction key. The PIN is received from a user of the mobile financial transaction instrument, and the funds are dispensed in response to receiving the PIN.
    Type: Grant
    Filed: December 4, 2023
    Date of Patent: February 25, 2025
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Rudolph Christian Wolfs, David Aaron Pinski
  • Patent number: 12147957
    Abstract: Systems and methods for performing fund transfers at an automated teller machine (ATM) are disclosed. The systems and methods include using authentication transaction keys to enable a transferee device to facilitate an ATM withdrawal. The fund transfer is based on pre-defined ATM transaction parameters, which include an amount of funds for the transaction and a geographic limitation for an ATM at which the transaction may occur. Funds can be transferred in response to authentication of the authentication transaction key and confirmation that the ATM corresponds to the geographic limitation for the ATM.
    Type: Grant
    Filed: August 30, 2022
    Date of Patent: November 19, 2024
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Rudolph Christian Wolfs, David Aaron Pinski
  • Patent number: 12056686
    Abstract: A system and method in accordance with example embodiments may provide a user-loadable stored value card. Additionally, a system and method in accordance with example embodiments may allow an institution to receive a user-loadable stored value card activation request from a sender, activate a user-loadable stored value card using the information received in the activation request, and provide card management capabilities to the sender.
    Type: Grant
    Filed: November 19, 2021
    Date of Patent: August 6, 2024
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventor: David Aaron Pinski
  • Publication number: 20240193603
    Abstract: A method of performing a fund transfer at an ATM includes receiving an active authentication transaction key at an ATM from a mobile financial transaction instrument via a wireless communication protocol, generating a PIN at the ATM, and storing the PIN in a machine readable storage medium. An authorization request message is transmitted to a financial institution identified by the active authentication transaction key. The authorization request message includes the PIN and at least a portion of the active authentication transaction key. The PIN is received from a user of the mobile financial transaction instrument, and the funds are dispensed in response to receiving the PIN.
    Type: Application
    Filed: December 4, 2023
    Publication date: June 13, 2024
    Inventors: Rudolph Christian Wolfs, David Aaron Pinski
  • Patent number: 11836724
    Abstract: A method of performing a fund transfer at an ATM includes receiving an active authentication transaction key at an ATM from a mobile financial transaction instrument via a wireless communication protocol, generating a PIN at the ATM, and storing the PIN in a machine readable storage medium. An authorization request message is transmitted to a financial institution identified by the active authentication transaction key. The authorization request message includes the PIN and at least a portion of the active authentication transaction key. The PIN is received from a user of the mobile financial transaction instrument, and the funds are dispensed in response to receiving the PIN.
    Type: Grant
    Filed: June 21, 2021
    Date of Patent: December 5, 2023
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Rudolph Christian Wolfs, David Aaron Pinski
  • Publication number: 20220414629
    Abstract: Systems and methods for performing fund transfers at an automated teller machine (ATM) are disclosed. The systems and methods include using authentication transaction keys to enable a transferee device to facilitate an ATM withdrawal. The fund transfer is based on pre-defined ATM transaction parameters, which include an amount of funds for the transaction and a geographic limitation for an ATM at which the transaction may occur. Funds can be transferred in response to authentication of the authentication transaction key and confirmation that the ATM corresponds to the geographic limitation for the ATM.
    Type: Application
    Filed: August 30, 2022
    Publication date: December 29, 2022
    Inventors: Rudolph Christian Wolfs, David Aaron Pinski
  • Patent number: 11514451
    Abstract: A financial transaction method includes receiving a request to perform a financial transaction at a financial institution, generating a single-use transaction key for the financial transaction, and storing at least a first portion of the transaction key in a storage medium. The transaction key is transmitted to a user that requested the financial transaction, and an authorization request including at least a second portion of the transaction key is received from a merchant. The second portion of the transaction key received from the merchant is compared to the first portion of the transaction key to determine if the transaction should be authorized. An authorization message is transmitted to the merchant if the second portion of the transaction key received from the merchant matches the first portion of the transaction key. The financial transaction is funded from an account of the user if the financial transaction is authorized.
    Type: Grant
    Filed: April 13, 2011
    Date of Patent: November 29, 2022
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Rudolph Christian Wolfs, David Aaron Pinski
  • Patent number: 11443290
    Abstract: A system and method for performing a transaction at a point of sale (“POS”) device includes a user device providing data indicative of a financial transaction. The data includes parameters that define the financial transaction, for example merchant name or type, transaction amount, etc. The financial institution creates an active authentication key for use in the financial transaction. Upon receiving a transaction request from the point of sale device, the financial institution can analyze the active authentication key and the parameters to determine if the transaction request should be approved.
    Type: Grant
    Filed: September 28, 2020
    Date of Patent: September 13, 2022
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Rudolph Christian Wolfs, David Aaron Pinski
  • Publication number: 20220076243
    Abstract: A system and method in accordance with example embodiments may provide a user-loadable stored value card. Additionally, a system and method in accordance with example embodiments may allow an institution to receive a user-loadable stored value card activation request from a sender, activate a user-loadable stored value card using the information received in the activation request, and provide card management capabilities to the sender.
    Type: Application
    Filed: November 19, 2021
    Publication date: March 10, 2022
    Inventor: David Aaron PINSKI
  • Patent number: 11257051
    Abstract: A system and method for interfacing with financial information. The system includes a touch screen display. The touch-screen display includes a plurality of logical regions. Each one of the plurality of logical regions includes content that is expandable based on a user selection. The system also includes logic to associate a plurality of a user's financial data of a predetermined type with each one of the logical regions. The system further includes logic to vary an amount of the associated financial data displayed on the display based on a first type of user selection of one of the logical regions.
    Type: Grant
    Filed: September 12, 2019
    Date of Patent: February 22, 2022
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventor: David Aaron Pinski
  • Patent number: 11210655
    Abstract: A system and method in accordance with example embodiments may provide a user-loadable stored value card. Additionally, a system and method in accordance with example embodiments may allow an institution to receive a user-loadable stored value card activation request from a sender, activate a user-loadable stored value card using the information received in the activation request, and provide card management capabilities to the sender.
    Type: Grant
    Filed: January 10, 2019
    Date of Patent: December 28, 2021
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventor: David Aaron Pinski
  • Publication number: 20210374748
    Abstract: A method of performing a fund transfer at an ATM includes receiving an active authentication transaction key at an ATM from a mobile financial transaction instrument via a wireless communication protocol, generating a PIN at the ATM, and storing the PIN in a machine readable storage medium. An authorization request message is transmitted to a financial institution identified by the active authentication transaction key. The authorization request message includes the PIN and at least a portion of the active authentication transaction key. The PIN is received from a user of the mobile financial transaction instrument, and the funds are dispensed in response to receiving the PIN.
    Type: Application
    Filed: June 21, 2021
    Publication date: December 2, 2021
    Inventors: Rudolph Christian Wolfs, David Aaron Pinski
  • Publication number: 20210374698
    Abstract: A system and method in accordance with example embodiments may include third party payments with non-integrated merchants. A system and method in accordance with example embodiments may utilize a plug in or application to intercept retailer data from a third party, analyze data, and present information to a customer based on the intercepted data and the analysis.
    Type: Application
    Filed: August 16, 2021
    Publication date: December 2, 2021
    Inventors: David Aaron Pinski, Andrey L. Utis
  • Patent number: 11093915
    Abstract: A system and method in accordance with example embodiments may include third party payments with non-integrated merchants. A system and method in accordance with example embodiments may utilize a plug in or application to intercept retailer data from a third party, analyze data, and present information to a customer based on the intercepted data and the analysis.
    Type: Grant
    Filed: November 25, 2019
    Date of Patent: August 17, 2021
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: David Aaron Pinski, Andrey L. Utis
  • Patent number: 11042877
    Abstract: A method of performing a fund transfer at an ATM includes receiving an active authentication transaction key at an ATM from a mobile financial transaction instrument via a wireless communication protocol, generating a PIN at the ATM, and storing the PIN in a machine readable storage medium. An authorization request message is transmitted to a financial institution identified by the active authentication transaction key. The authorization request message includes the PIN and at least a portion of the active authentication transaction key. The PIN is received from a user of the mobile financial transaction instrument, and the funds are dispensed in response to receiving the PIN.
    Type: Grant
    Filed: September 28, 2018
    Date of Patent: June 22, 2021
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Rudolph Christian Wolfs, David Aaron Pinski
  • Publication number: 20210012303
    Abstract: A system and method for performing a transaction at a point of sale (“POS”) device includes a user device providing data indicative of a financial transaction. The data includes parameters that define the financial transaction, for example merchant name or type, transaction amount, etc. The financial institution creates an active authentication key for use in the financial transaction. Upon receiving a transaction request from the point of sale device, the financial institution can analyze the active authentication key and the parameters to determine if the transaction request should be approved.
    Type: Application
    Filed: September 28, 2020
    Publication date: January 14, 2021
    Inventors: Rudolph Christian Wolfs, David Aaron Pinski
  • Patent number: 10789580
    Abstract: A method of performing a fund transfer at an ATM includes receiving an active authentication transaction key at an ATM from a mobile financial transaction instrument via a wireless communication protocol, generating a PIN at the ATM, and storing the PIN in a machine readable storage medium. An authorization request message is transmitted to a financial institution identified by the active authentication transaction key. The authorization request message includes the PIN and at least a portion of the active authentication transaction key. The PIN is received from a user of the mobile financial transaction instrument, and the funds are dispensed in response to receiving the PIN.
    Type: Grant
    Filed: October 2, 2018
    Date of Patent: September 29, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Rudolph Christian Wolfs, David Aaron Pinski
  • Publication number: 20200090149
    Abstract: A system and method in accordance with example embodiments may include third party payments with non-integrated merchants. A system and method in accordance with example embodiments may utilize a plug in or application to intercept retailer data from a third party, analyze data, and present information to a customer based on the intercepted data and the analysis.
    Type: Application
    Filed: November 25, 2019
    Publication date: March 19, 2020
    Inventors: David Aaron Pinski, Andrey L. Utis
  • Patent number: 10540650
    Abstract: A system and method in accordance with example embodiments may provide a user-loadable stored value card. Additionally, a system and method in accordance with example embodiments may allow an institution to receive a user-loadable stored value card activation request from a sender, activate a user-loadable stored value card using the information received in the activation request, and provide card management capabilities to the sender.
    Type: Grant
    Filed: July 28, 2017
    Date of Patent: January 21, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventor: David Aaron Pinski
  • Publication number: 20200005256
    Abstract: A system and method for interfacing with financial information. The system includes a touch screen display. The touch-screen display includes a plurality of logical regions. Each one of the plurality of logical regions includes content that is expandable based on a user selection. The system also includes logic to associate a plurality of a user's financial data of a predetermined type with each one of the logical regions. The system further includes logic to vary an amount of the associated financial data displayed on the display based on a first type of user selection of one of the logical regions.
    Type: Application
    Filed: September 12, 2019
    Publication date: January 2, 2020
    Inventor: David Aaron Pinski