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).

  • Publication number: 20240029043
    Abstract: 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: Application
    Filed: September 19, 2023
    Publication date: January 25, 2024
    Inventors: Tyler Locke, Kevin Kelly, David Wurmfeld
  • Publication number: 20240005311
    Abstract: 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: Application
    Filed: July 7, 2023
    Publication date: January 4, 2024
    Applicant: Capital One Services, LLC
    Inventors: Kevin OSBORN, Jeffrey RULE, David WURMFELD
  • Patent number: 11855714
    Abstract: 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: Grant
    Filed: January 21, 2022
    Date of Patent: December 26, 2023
    Assignee: Capital One Services, LLC.
    Inventors: Kevin Osborn, David Wurmfeld
  • Patent number: 11831639
    Abstract: 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: Grant
    Filed: October 12, 2021
    Date of Patent: November 28, 2023
    Assignee: Capital One Services, LLC
    Inventor: David Wurmfeld
  • Patent number: 11827041
    Abstract: 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: Grant
    Filed: March 1, 2021
    Date of Patent: November 28, 2023
    Assignee: Capital One Services, LLC
    Inventors: David Wurmfeld, Steve Faletti
  • Patent number: 11803832
    Abstract: 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: Grant
    Filed: August 16, 2021
    Date of Patent: October 31, 2023
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Tyler Locke, Kevin Kelly, David Wurmfeld
  • Patent number: 11742894
    Abstract: 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: Grant
    Filed: January 25, 2022
    Date of Patent: August 29, 2023
    Assignee: Capital One Services, LLC
    Inventors: Kevin Osborn, David Wurmfeld, Kevan Emmott
  • Publication number: 20230267442
    Abstract: 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: Application
    Filed: April 28, 2023
    Publication date: August 24, 2023
    Applicant: Capital One Services, LLC
    Inventors: Janak DADHANIYA, Lisa WHITSITT, Robert SMITH, David WURMFELD, Steve FALETTI
  • Publication number: 20230223796
    Abstract: 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: Application
    Filed: March 14, 2023
    Publication date: July 13, 2023
    Inventors: Adam Koeppel, Tyler Locke, David Wurmfeld
  • Patent number: 11699151
    Abstract: 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: Grant
    Filed: June 22, 2020
    Date of Patent: July 11, 2023
    Assignee: Capital One Services, LLC
    Inventors: Kevin Osborn, Jeffrey Rule, David Wurmfeld
  • Patent number: 11682270
    Abstract: 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: Grant
    Filed: March 3, 2020
    Date of Patent: June 20, 2023
    Assignee: Capitai One Services, LLC
    Inventors: Robert Smith, David Wurmfeld, Steve Faletti, Lisa Whitsitt, Janak Dadhaniya
  • Patent number: 11676127
    Abstract: 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: Grant
    Filed: May 11, 2021
    Date of Patent: June 13, 2023
    Assignee: Capital One Services, LLC
    Inventors: Janak Dadhaniya, Lisa Whitsitt, Robert Smith, David Wurmfeld, Steve Faletti
  • Patent number: 11640467
    Abstract: An electronic device, such as a dynamic transaction card having a chip, an applet, and a cryptographic coprocessor performs secure firmware and/or software updates, and performs firmware and/or software validation for firmware and/or software that is stored on the electronic device. Validation may compare a calculated checksum with a checksum stored in the device. If a checksum calculated for a firmware and/or a software application matches a stored checksum, the transaction card may operate normally. If a checksum calculated for a firmware and/or a software application does not match the stored checksum, the transaction card may freeze all capabilities, erase the memory of the transaction card, display data indicative of fraud, and/or the like.
    Type: Grant
    Filed: October 30, 2020
    Date of Patent: May 2, 2023
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: James Zarakas, David Wurmfeld, Brennon York, Tyler Locke
  • Patent number: 11624966
    Abstract: A digitally controlled lens system is disclosed. In some embodiments, the lens system includes a controller and an electro-optic lens electrically connected to the controller. The electro-optic lens includes a first substantially transparent substrate; a first electrode layer disposed on the first substantially transparent substrate, the first electrode layer including a plurality of electrodes; a second substantially transparent substrate; a second electrode layer disposed on the second substantially transparent substrate; and a liquid crystal layer located between the first electrode layer and the second electrode layer. The controller is configured to generate a refractive index pattern of liquid crystal layer by controlling voltage applied on the first electrode layer and the second electrode layer.
    Type: Grant
    Filed: December 28, 2020
    Date of Patent: April 11, 2023
    Assignee: Capital One Services, LLC
    Inventors: David Wurmfeld, Kevin Osborn
  • Patent number: 11626764
    Abstract: 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: Grant
    Filed: July 29, 2021
    Date of Patent: April 11, 2023
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Adam Koeppel, Tyler Locke, David Wurmfeld
  • Patent number: 11587410
    Abstract: The present disclosure relates to systems and methods for using transparent surfaces at an automated teller machine. In one implementation, a method of visualizing a deposit at an automated teller machine includes receiving a command to deposit at least one depository element; determining an amount associated with the command; displaying, on a transparent surface of the automated teller machine configured to allow a user of the automated teller machine to view the at least one depository element, a visual representation of the determined amount; and receiving, concurrent with or after displaying, a verification of the amount.
    Type: Grant
    Filed: January 20, 2022
    Date of Patent: February 21, 2023
    Assignee: Capital One Services, LLC
    Inventors: Robert Smith, David Wurmfeld, Steve Faletti, Celina Liao, Janak Dadhaniya, Lisa Whitsitt
  • Publication number: 20220366387
    Abstract: Computer implemented systems and methods are provided for an automatic teller machine. In some embodiments, an automatic teller machine may comprise a touch-sensitive display, one or more memory devices storing instructions, and one or more processors. The one or more processors may be configured to receive authentication data associated with a user, retrieve user profile information based on the authentication data, determine user interface attributes based on the user profile information; and generate an automatic teller machine interface based on the user profile information.
    Type: Application
    Filed: July 27, 2022
    Publication date: November 17, 2022
    Applicant: CAPITAL ONE SERVICES, LLC
    Inventor: David WURMFELD
  • Patent number: 11476581
    Abstract: Systems and methods are provided for providing vibration transduction and radio-frequency communication in proximity to an electrically conductive structure. The system may comprise an antenna element, an electrically conductive structure in proximity to the antenna element, and a vibration transducer comprising a material. The material may comprise a ferromagnetic material with piezoelectric properties. The vibration transducer may be positioned between the antenna element and the conductive structure.
    Type: Grant
    Filed: September 9, 2020
    Date of Patent: October 18, 2022
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventor: David Wurmfeld
  • Patent number: 11468798
    Abstract: Disclosed embodiments may relate to a time-dependent color-changing label for a product. The label may include a first layer comprising a plurality of particles, the particles comprising a time dependent color-changing material that changes color after a predetermined time period, the predetermined time period being greater than one month. The label may also include an attachment structure attaching the first layer to the product. In certain embodiments, the first layer may include a polymer, and the particles may include glass microspheres containing the time-dependent color changing material. The particles may be embedded in the polymer.
    Type: Grant
    Filed: February 10, 2021
    Date of Patent: October 11, 2022
    Assignee: Capital One Services, LLC
    Inventor: David Wurmfeld
  • Publication number: 20220308891
    Abstract: An electronic interaction device may include: a user interface configured to receive interaction requests by a user; a first data storage medium storing a first operating system; a second data storage medium storing a second operating system; a memory storing instructions; and a control unit including a processor. The control unit may be configured to: load the first operating system in response to the electronic interaction device being powered on; communicate with a remote server via a secure communications channel; transmit a status of the first operating system to the remote server via the secure communications channel; receive a boot instruction from the remote server via the secure communications channel; and in response to the boot instruction, load the second operating system.
    Type: Application
    Filed: March 23, 2021
    Publication date: September 29, 2022
    Applicant: Capital One Services, LLC
    Inventors: Alexander MEDEIROS, Mitchell MILLER, Rex LACY, Michael LITTLEJOHN, David WURMFELD