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).

  • Patent number: 10559986
    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: April 18, 2019
    Date of Patent: February 11, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Adam Koeppel, Tyler Locke, David Wurmfeld
  • Publication number: 20200043004
    Abstract: Disclosed embodiments describe a system for completing a transaction using an electronic transaction card by receiving, from a user device executing a software application, a selection of a first account function associated with a financial transaction; determining that the account function requires user verification; detecting, via a motion detection component, a motion pattern performed on the electronic transaction card by the user; authenticating an identity of the user, by the electronic transaction card, based on the detected motion pattern; and completing, by the user device, the financial transaction.
    Type: Application
    Filed: September 16, 2019
    Publication date: February 6, 2020
    Applicant: Capital One Services, LLC
    Inventors: David WURMFELD, Tyler LOCKE, James ZARAKAS, Adam KOEPPEL
  • Patent number: 10555434
    Abstract: A bracket for mounting a processor and a support structure for receiving bracket-supported processors for cluster computing are provided. In some embodiments, a bracket may be configured to receive a processor and fasten the processor to the bracket. The bracket may be configured to mount the processor to a support structure. The support structure may be configured to receive an array of brackets. The support structure may be configured to be stacked in combination with additional support structures.
    Type: Grant
    Filed: March 29, 2019
    Date of Patent: February 4, 2020
    Assignee: Capital One Services, LLC
    Inventor: David Wurmfeld
  • Publication number: 20200034826
    Abstract: A dynamic transaction card that includes a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller/microprocessor storing firmware, Java applets, Java applet integration, and the like, an EMV processor, an energy storage component, one or more antenna (e.g., Bluetooth antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer. A display layer may include enhanced features such as the use of LED display components as a photosensor.
    Type: Application
    Filed: October 3, 2019
    Publication date: January 30, 2020
    Inventors: David Wurmfeld, Tyler Locke
  • Publication number: 20200034542
    Abstract: An electronic device, such as a dynamic transaction card having an EMV chip, that acts as a TPM having a memory, 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 EMV chip memory. If a checksum calculated for firmware and/or a software application matches a checksum stored in EMV chip memory of the transaction card, the transaction card may operate normally. If a checksum calculated for firmware and/or a software application does not match a checksum stored in EMV chip memory of the transaction card, the transaction card may freeze all capabilities, erase the memory of the transaction card, display data indicative of a fraudulent or inactive transaction card, and/or the like.
    Type: Application
    Filed: October 3, 2019
    Publication date: January 30, 2020
    Inventors: James Zarakas, David Wurmfeld, Brennon York, Tyler Locke
  • Publication number: 20200027077
    Abstract: 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: Application
    Filed: September 25, 2019
    Publication date: January 23, 2020
    Inventors: James Zarakas, Adam R. Koeppel, Kevin Kelly, David Wurmfeld
  • Patent number: 10540860
    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: December 19, 2018
    Date of Patent: January 21, 2020
    Assignee: Capital One Services, LLC
    Inventors: Robert Smith, David Wurmfeld, Steve Faletti, Celina Liao, Janak Dadhaniya, Lisa Whitsitt
  • Publication number: 20200012913
    Abstract: A dynamic transaction card that is manufactured using conductive plastic jumpers that will dissolve when in contact with a solvent used to tamper with the dynamic transaction card. Internal components of a dynamic transaction card may be manufactured using a synthetic or semi-synthetic organic material, such as, for example, plastics. These materials may be conductive to provide functionality to a dynamic transaction card, such as a connection between an integrated circuit and other card components such that when the materials dissolve, the connections are broken and the dynamic transaction card may be inactive due to the loss of various connections.
    Type: Application
    Filed: September 19, 2019
    Publication date: January 9, 2020
    Inventors: David Wurmfeld, James Zarakas, Theodore Markson, Saleem Sangi, Tyler Locke, Kevin Kelly
  • Patent number: 10531299
    Abstract: Various embodiments are directed to localizing and identifying a mobile computing device using a short-range mesh network. A user of the mobile computing device may be authenticated. When the mobile computing device connects to the mesh network, the location of the mobile computing device may be determined by determining which mesh network nodes the mobile computing device is connected to, triangulating the position of the mobile computing device based on signal direction via directional antennas arranged on the mesh network nodes, and/or measuring signal strength of the mobile computing device at the mesh network nodes.
    Type: Grant
    Filed: February 28, 2019
    Date of Patent: January 7, 2020
    Assignee: Capital One Services, LLC
    Inventors: Kevin Osborn, David Wurmfeld
  • Publication number: 20200005111
    Abstract: A dynamic transaction card that includes a transaction card having a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer protective layer, a core layer, a potting layer, a touch sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV™ chip, an energy storage component, one or more antennas (e.g., Bluetooth™ antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer, which may include a back protective layer. The antennas may be mounted on the protective layers, which may be laminated to the core layer, and connected to the core layer onto a printed circuit board (PCB) using conductive epoxies.
    Type: Application
    Filed: September 12, 2019
    Publication date: January 2, 2020
    Inventors: David Wurmfeld, Tyler Locke, Theodore Markson, Adam Koeppel
  • Publication number: 20190385149
    Abstract: A dynamic transaction card with a display for providing barcodes is described. The barcodes can be generated by driving individual light emitting diodes (LEDs) of the display at frequencies of greater than 50 Hz. Due to the high frequency, the barcode can be readable by a barcode scanner, while remaining invisible to the human eye. The barcode can also be generated by driving a first set of LEDs at a different frequency and/or time interval than a second set of LEDs. Light waves from the first set of LEDs can constructively interfere with light waves from the second set of LEDs to create spatial voids readable by the barcode scanner.
    Type: Application
    Filed: August 29, 2019
    Publication date: December 19, 2019
    Inventors: David Wurmfeld, Tyler Locke
  • Patent number: 10510070
    Abstract: A dynamic transaction card that includes a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller/microprocessor storing firmware, Java applets, Java applet integration, and the like, an EMV processor, an energy storage component, one or more antenna (e.g., Bluetooth antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer. A display layer may include enhanced features such as the use of LED display components as a photosensor.
    Type: Grant
    Filed: April 14, 2016
    Date of Patent: December 17, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: David Wurmfeld, Tyler Locke
  • Patent number: 10509908
    Abstract: An electronic device, such as a dynamic transaction card having an EMV chip, that acts as a TPM having a memory, 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 EMV chip memory. If a checksum calculated for firmware and/or a software application matches a checksum stored in EMV chip memory of the transaction card, the transaction card may operate normally. If a checksum calculated for firmware and/or a software application does not match a checksum stored in EMV chip memory of the transaction card, the transaction card may freeze all capabilities, erase the memory of the transaction card, display data indicative of a fraudulent or inactive transaction card, and/or the like.
    Type: Grant
    Filed: April 3, 2018
    Date of Patent: December 17, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: James Zarakas, David Wurmfeld, Brennon York, Tyler Locke
  • Publication number: 20190379658
    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: Application
    Filed: April 22, 2019
    Publication date: December 12, 2019
    Applicant: CAPITAL ONE SERVICES, LLC
    Inventor: DAVID WURMFELD
  • Patent number: 10499524
    Abstract: A bracket for mounting a processor and a support structure for receiving bracket-supported processors for duster computing are provided. In some embodiments, a bracket may be configured to receive a processor and fasten the processor to the bracket. The bracket may be configured to mount the processor to a support structure. The support structure may be configured to receive an array of brackets. The support structure may be configured to be stacked in combination with additional support structures.
    Type: Grant
    Filed: December 20, 2017
    Date of Patent: December 3, 2019
    Assignee: Capital One Services, LLC
    Inventor: David Wurmfeld
  • Patent number: 10489774
    Abstract: 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: Grant
    Filed: April 14, 2016
    Date of Patent: November 26, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: James Zarakas, Adam Koeppel, Kevin Kelly, David Wurmfeld
  • Patent number: 10482453
    Abstract: A dynamic transaction card that includes a transaction card having a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a sensor layer that may be utilized to activate a dynamic transaction card by authenticating the card user as authorized to use the card through user authentication input recognition, which may be gesture and voice recognition processing, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV™ chip, an energy storage component, one or more antenna (e.g., Bluetooth™ antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer.
    Type: Grant
    Filed: December 29, 2016
    Date of Patent: November 19, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: James Zarakas, David Wurmfeld, Tyler Locke
  • Patent number: 10483771
    Abstract: Systems and methods for hybrid energy harvesting for transaction cards are disclosed. Embodiments include a transaction card comprising a data storage device configured to supply account information to a transaction card terminal, a primary rechargeable power source to allow recharging and further to receive charging energy from the transaction card terminal during a transaction using the card, a secondary rechargeable power source configured to receive energy from the first rechargeable power source, and a power controller configured to control a flow of energy between the first and second rechargeable power sources.
    Type: Grant
    Filed: October 25, 2018
    Date of Patent: November 19, 2019
    Assignee: Capital One Services, LLC
    Inventors: David Wurmfeld, Tyler Locke
  • Patent number: 10474941
    Abstract: A dynamic transaction card that includes a transaction card having a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer protective layer, a core layer, a potting layer, a touch sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV™ chip, an energy storage component, one or more antennas (e.g., Bluetooth™ antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer, which may include a back protective layer. The antennas may be mounted on the protective layers, which may be laminated to the core layer, and connected to the core layer onto a printed circuit board (PCB) using conductive epoxies.
    Type: Grant
    Filed: December 30, 2016
    Date of Patent: November 12, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: David Wurmfeld, Tyler Locke, Theodore Markson, Adam Koeppel
  • Patent number: 10475025
    Abstract: 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: Grant
    Filed: December 28, 2016
    Date of Patent: November 12, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: James Zarakas, Adam Koeppel, Kevin Kelly, David Wurmfeld