Patents by Inventor David Wurmfeld
David Wurmfeld 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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Patent number: 12124906Abstract: A method of forming a contactless transaction card. The method may include providing a card body, defining a window, and attaching an antenna assembly layer to the card body, where the antenna assembly layer includes an antenna, a set of curable connectors, disposed on a set of end regions of the antenna within the window, and a UV-transparent layer, supporting the antenna. The method may include providing a contactless chip module within the window on a first side of the antenna assembly layer, and directing radiation through the UV-transparent layer, wherein the contactless chip module is electrically connected to the antenna via the curable connectors.Type: GrantFiled: April 26, 2022Date of Patent: October 22, 2024Assignee: Capital One Services, LLCInventors: Kevin Osborn, David Wurmfeld
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Patent number: 12112311Abstract: A system and method are disclosed in which a symbol associated with an ATM of a plurality of ATMs is made available to a customer in response to a request for access to the ATM. The symbol identifies the ATM to the user in locations having multiple ATMs, thus avoiding confusion for the user. The symbol may be used for any of the possible transactions between the user and the ATM, such as balance inquiries, deposits, transfers, and cash withdrawals.Type: GrantFiled: April 28, 2023Date of Patent: October 8, 2024Assignee: Capital One Services, LLCInventors: Janak Dadhaniya, Lisa Whitsitt, Robert Smith, David Wurmfeld, Steve Faletti
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Patent number: 12106293Abstract: Disclosed are examples of a method, a wearable device and a system enabling authentication of a user of a payment account or completion of a purchase transaction via signals generated by the wearable device. A process may include a wearable device generating a modulated signal using an encryption algorithm. The modulated signal may contain authentication information related to the wearable device including a cryptographic authentication message. The modulated signal is output to a biological medium interface of the wearable device that is coupled to a biological medium of a wearer of the wearable device. The biological medium is operable to conduct the modulated signal. A receiving device processes including decrypting and demodulating the modulated signal received from the biological medium. Using the demodulated signal, the authentication information transmitted from the wearable device is obtained. Based on the obtained authentication information, a transaction may be authorized, or a user authenticated.Type: GrantFiled: July 7, 2023Date of Patent: October 1, 2024Assignee: Capital One Services, LLCInventors: Kevin Osborn, Jeffrey Rule, David Wurmfeld
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Patent number: 12081045Abstract: Using inductive currents to wirelessly charge a device via a device connected to a power source. This inductive charging may result when a first mobile device recognizes a second mobile device via a wireless connection (e.g., Bluetooth, Bluetooth Low Energy (BLE), Near-Field Communication (NFC), or the like). An application stored on the first mobile device may recognize a second mobile device by transmitting an advertising packet when the first mobile device is connected to a power source. An advertising packet may be received by the second mobile device and the second mobile device may transmit a response to the advertising packet in order to generate a connection between the first and second mobile devices. The response may include data such as, connection strength, response time, connection preferences, and the like. Upon detection and connection, the second mobile device may be wirelessly charged by the first device via inductive charging.Type: GrantFiled: March 14, 2023Date of Patent: September 3, 2024Assignee: CAPITAL ONE SERVICES, LLCInventors: Adam Koeppel, Tyler Locke, David Wurmfeld
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Publication number: 20240243776Abstract: Various embodiments are directed to a method and system for mapping or visualizing the magnetic fields and their associated field strengths of an object, such as a mobile computing device. An example source of the magnetic fields may be a near-field communication (NFC) reader configured in the object. A computer vision system or device may track a visual marker arranged near or on a magnetic field strength detector in order to associate, match, or map the magnetic field strength measurement readings of the detector at different positions or locations on the object. The computer vision system may generate and display a heat map of the object based on at least the magnetic field strength measurements and their relative positions.Type: ApplicationFiled: December 21, 2023Publication date: July 18, 2024Applicant: Capital One Services, LLCInventors: Kevin OSBORN, David WURMFELD
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Publication number: 20240232854Abstract: 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.Type: ApplicationFiled: March 25, 2024Publication date: July 11, 2024Inventors: James ZARAKAS, Adam KOEPPEL, Kevin KELLY, David WURMFELD
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Patent number: 11978037Abstract: 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: September 29, 2021Date of Patent: May 7, 2024Assignee: CAPITAL ONE SERVICES, LLCInventors: James Zarakas, Adam Koeppel, Kevin Kelly, David Wurmfeld
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Publication number: 20240123739Abstract: Aspects described herein may provide detection of a feature of an authorization code image (ACI) incorporated onto a document, thereby allowing for validation of the document. According to some aspects, these and other benefits may be achieved by an instance of a variable protocol that may specify how to generate the ACI to have a particular feature as well as how to detect the particular feature of the ACI. A recipient of the document incorporating the ACI may detect the particular feature of the ACI. If the detected feature matches an expected feature, then the ACI and the document may be determined to be authentic.Type: ApplicationFiled: October 23, 2023Publication date: April 18, 2024Inventors: David Wurmfeld, Steve Faletti
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Publication number: 20240119440Abstract: A device for conducting a transaction by generating and displaying QR codes in the infrared spectrum, by generating a first QR code; displaying the first QR code via the infrared array for a predetermined duration of time; receiving a confirmation that a user device has entered paired state with the transaction device based on the user device scanning the first QR code; receiving authentication data indicating that the paired user device is authorized to complete the transaction; completing the transaction.Type: ApplicationFiled: December 21, 2023Publication date: April 11, 2024Applicant: Capital One Services, LLCInventors: Jeff PHARR, David WURMFELD
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Publication number: 20240029043Abstract: A secure method of real time money transferring between account holders utilizes Near Field Communication (NFC) technologies, dynamic transaction cards, and a mobile application to facilitate a seamless mobile transfer of funds. The dynamic transaction card of the customer requesting to make the transfer of funds may be placed in contact with the second recipient dynamic transaction card of the customer receiving the funds transfer to establish an NFC connection. The dynamic transaction card requesting the transfer may receive, via the NFC antenna on the card, the recipient customer account information stored on a passive NFC tag. The dynamic transaction card requesting the transfer may transmit the recipient account information to a mobile application, which may transmit the recipient account information to an account provider system for facilitating the funds transfer.Type: ApplicationFiled: September 19, 2023Publication date: January 25, 2024Inventors: Tyler Locke, Kevin Kelly, David Wurmfeld
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Publication number: 20240005311Abstract: Disclosed are examples of a method, a wearable device and a system enabling authentication of a user of a payment account or completion of a purchase transaction via signals generated by the wearable device. A process may include a wearable device generating a modulated signal using an encryption algorithm. The modulated signal may contain authentication information related to the wearable device including a cryptographic authentication message. The modulated signal is output to a biological medium interface of the wearable device that is coupled to a biological medium of a wearer of the wearable device. The biological medium is operable to conduct the modulated signal. A receiving device processes including decrypting and demodulating the modulated signal received from the biological medium. Using the demodulated signal, the authentication information transmitted from the wearable device is obtained. Based on the obtained authentication information, a transaction may be authorized, or a user authenticated.Type: ApplicationFiled: July 7, 2023Publication date: January 4, 2024Applicant: Capital One Services, LLCInventors: Kevin OSBORN, Jeffrey RULE, David WURMFELD
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Patent number: 11855714Abstract: Various embodiments are directed to a method and system for mapping or visualizing the magnetic fields and their associated field strengths of an object, such as a mobile computing device. An example source of the magnetic fields may be a near-field communication (NFC) reader configured in the object. A computer vision system or device may track a visual marker arranged near or on a magnetic field strength detector in order to associate, match, or map the magnetic field strength measurement readings of the detector at different positions or locations on the object. The computer vision system may generate and display a heat map of the object based on at least the magnetic field strength measurements and their relative positions.Type: GrantFiled: January 21, 2022Date of Patent: December 26, 2023Assignee: Capital One Services, LLC.Inventors: Kevin Osborn, David Wurmfeld
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Patent number: 11827041Abstract: Aspects described herein may provide detection of a feature of an authorization code image (ACI) incorporated onto a document, thereby allowing for validation of the document. According to some aspects, these and other benefits may be achieved by an instance of a variable protocol that may specify how to generate the ACI to have a particular feature as well as how to detect the particular feature of the ACI. A recipient of the document incorporating the ACI may detect the particular feature of the ACI. If the detected feature matches an expected feature, then the ACI and the document may be determined to be authentic.Type: GrantFiled: March 1, 2021Date of Patent: November 28, 2023Assignee: Capital One Services, LLCInventors: David Wurmfeld, Steve Faletti
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Patent number: 11831639Abstract: Systems and methods for using micro accelerations as a biometric factor for multi-factor authentication, the method including receiving, filtering, and determining an identifying pattern from micro acceleration data representative of the user, storing the identifying pattern for later use in authenticating the identity of the user, and using the identifying pattern as one factor in a multi factor authentication.Type: GrantFiled: October 12, 2021Date of Patent: November 28, 2023Assignee: Capital One Services, LLCInventor: David Wurmfeld
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Patent number: 11803832Abstract: A secure method of real time money transferring between account holders utilizes Near Field Communication (NFC) technologies, dynamic transaction cards, and a mobile application to facilitate a seamless mobile transfer of funds. The dynamic transaction card of the customer requesting to make the transfer of funds may be placed in contact with the second recipient dynamic transaction card of the customer receiving the funds transfer to establish an NFC connection. The dynamic transaction card requesting the transfer may receive, via the NFC antenna on the card, the recipient customer account information stored on a passive NFC tag. The dynamic transaction card requesting the transfer may transmit the recipient account information to a mobile application, which may transmit the recipient account information to an account provider system for facilitating the funds transfer.Type: GrantFiled: August 16, 2021Date of Patent: October 31, 2023Assignee: CAPITAL ONE SERVICES, LLCInventors: Tyler Locke, Kevin Kelly, David Wurmfeld
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Patent number: 11742894Abstract: Various embodiments are generally directed to techniques communicate in a cellular communication frequency range, detect a resonant signal in response to the communication in the cellular communication frequency range for cellular communication, the resonant signal to indicate presence of a contactless card. Embodiments also include enabling a near-field communication device to send a communication to the contactless card based on the detection of the resonant signal, the near-field communication device to communicate with the contactless card in a near-field communication frequency range.Type: GrantFiled: January 25, 2022Date of Patent: August 29, 2023Assignee: Capital One Services, LLCInventors: Kevin Osborn, David Wurmfeld, Kevan Emmott
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Publication number: 20230267442Abstract: A system and method are disclosed in which a symbol associated with an ATM of a plurality of ATMs is made available to a customer in response to a request for access to the ATM. The symbol identifies the ATM to the user in locations having multiple ATMs, thus avoiding confusion for the user. The symbol may be used for any of the possible transactions between the user and the ATM, such as balance inquiries, deposits, transfers, and cash withdrawals.Type: ApplicationFiled: April 28, 2023Publication date: August 24, 2023Applicant: Capital One Services, LLCInventors: Janak DADHANIYA, Lisa WHITSITT, Robert SMITH, David WURMFELD, Steve FALETTI
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Publication number: 20230223796Abstract: Using inductive currents to wirelessly charge a device via a device connected to a power source. This inductive charging may result when a first mobile device recognizes a second mobile device via a wireless connection (e.g., Bluetooth, Bluetooth Low Energy (BLE), Near-Field Communication (NFC), or the like). An application stored on the first mobile device may recognize a second mobile device by transmitting an advertising packet when the first mobile device is connected to a power source. An advertising packet may be received by the second mobile device and the second mobile device may transmit a response to the advertising packet in order to generate a connection between the first and second mobile devices. The response may include data such as, connection strength, response time, connection preferences, and the like. Upon detection and connection, the second mobile device may be wireles sly charged by the first device via inductive charging.Type: ApplicationFiled: March 14, 2023Publication date: July 13, 2023Inventors: Adam Koeppel, Tyler Locke, David Wurmfeld
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Patent number: 11699151Abstract: Disclosed are examples of a method, a wearable device and a system enabling authentication of a user of a payment account or completion of a purchase transaction via signals generated by the wearable device. A process may include a wearable device generating a modulated signal using an encryption algorithm. The modulated signal may contain authentication information related to the wearable device including a cryptographic authentication message. The modulated signal is output to a biological medium interface of the wearable device that is coupled to a biological medium of a wearer of the wearable device. The biological medium is operable to conduct the modulated signal. A receiving device processes including decrypting and demodulating the modulated signal received from the biological medium. Using the demodulated signal, the authentication information transmitted from the wearable device is obtained. Based on the obtained authentication information, a transaction may be authorized, or a user authenticated.Type: GrantFiled: June 22, 2020Date of Patent: July 11, 2023Assignee: Capital One Services, LLCInventors: Kevin Osborn, Jeffrey Rule, David Wurmfeld
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Patent number: 11682270Abstract: Computer implemented systems and methods are provided for an automatic teller machine. In some embodiments, an automatic teller machine may comprise a display, a physical barrier configured to intersect a line of sight from a location adjacent the automatic teller machine to the display, one or more memory devices storing instructions, and one or more processors. The one or more processors may be configured to determine that a user is operating the automatic teller machine. The one or more processors may be further configured to alter a degree of opacity of the physical barrier, based on the determining.Type: GrantFiled: March 3, 2020Date of Patent: June 20, 2023Assignee: Capitai One Services, LLCInventors: Robert Smith, David Wurmfeld, Steve Faletti, Lisa Whitsitt, Janak Dadhaniya