Patents by Inventor James Ashfield
James Ashfield 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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Publication number: 20240414149Abstract: In some embodiments, the present disclosure provides an exemplary method that may include steps of receiving a permission indicator from a computing device of a user identifying a permission by the user to detect a plurality of interaction sessions; registering the computing device of the user as a token for subsequent authentication of the user; instructing the computing device to monitor a plurality of activities associated with the detected plurality of interaction sessions initiated; receiving an indication of a current interaction session being initiated at a current period of time to a particular data point stored with the prestored database of token data; dynamically determining a risk metric associated with the computing device; automatically authenticating the computing device associated with the user; transmitting the current interaction session to a queue; and automatically generating a script for the at least one agent.Type: ApplicationFiled: June 6, 2023Publication date: December 12, 2024Inventors: James Ashfield, Clayton Johnson, Daniel Alan Jarvis
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Publication number: 20240403404Abstract: Embodiments are generally directed to systems, devices, and techniques to authenticate unauthenticated users to perform sensitive actions.Type: ApplicationFiled: August 12, 2024Publication date: December 5, 2024Applicant: Capital One Services, LLCInventors: Justin Anthony BOWERS, James ASHFIELD, Melissa Yoemans HENG
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Publication number: 20240396998Abstract: In some embodiments, the present disclosure provides an exemplary method that may include steps instructing a permission from the user to monitor a plurality of activities; instructing the mobile device to continually monitor the plurality of activities; identifying a digital fingerprint associated with the mobile device; automatically instructing an application of the mobile device to execute a plurality of operations in the background of the mobile device; utilizing a digital network to transmit a digital signal encoding the plurality of device attributes; utilizing a dynamic rules engine to determine a presence of the digital fingerprint within a database of known digital fingerprints; identifying an incoming interaction session being initiated with the mobile device within the period of time; automatically authenticating a parameter to identify an authenticated interaction session; and dynamically reducing subsequent authentication steps required for the mobile device to execute a activity.Type: ApplicationFiled: May 25, 2023Publication date: November 28, 2024Inventors: James Ashfield, Clayton Johnson, Daniel Alan Jarvis
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Patent number: 12154097Abstract: Example embodiments of systems and methods for data transmission between a contactless card, a client device, and one or more servers are provided. The contactless card may include one or more processors and memory. The memory may include one or more applets. The client device may include one or more processors and memory. The client device may be in data communication with the contactless card. One or more servers may be in data communication with the client device. A first set of information may be transmitted from the contactless card to the client device. The first set of information may include one or more links to activate the contactless card. The client device may be configured to receive the first set of information from the contactless card. Upon validation of the first set of information, the contactless card may be activated.Type: GrantFiled: April 12, 2022Date of Patent: November 26, 2024Assignee: CAPITAL ONE SERVICES, LLCInventors: Jeffrey Rule, Melissa Heng, James Ashfield, Colin Hart, Rajko Ilincic, Wayne Lutz
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Patent number: 12147977Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key. Example embodiments of systems and methods can be used to provide further authentication and added levels of security for transactions.Type: GrantFiled: November 3, 2021Date of Patent: November 19, 2024Assignee: Capital One Services, LLCInventors: Kevin Osborn, Jeffrey Rule, James Ashfield, Srinivasa Chigurupati
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Publication number: 20240354754Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.Type: ApplicationFiled: March 15, 2024Publication date: October 24, 2024Applicant: Capital One Services, LLCInventors: Kaitlin NEWMAN, Colin HART, Jeffrey RULE, Lara MOSSLER, Sophie BERMUDEZ, Michael MOSSOBA, Wayne LUTZ, Charles Nathan CRANK, Melissa HENG, Kevin OSBORN, Kimberly HAYNES, Andrew COGSWELL, Lutika GULATI, Sarah Jane CUNNINGHAM, James ASHFIELD
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Publication number: 20240356905Abstract: Example embodiments of systems and methods for data transmission between a contactless card, a client device, and one or more servers are provided. The memory of the contactless card may include one or more applets and a counter. The client device may be in data communication with the contactless card and one or more servers, and the one or more servers may include an expected counter value. The client device may be configured to read the counter from the contactless card and transmit it to the one or more servers. The one or more servers may compare the counter to the expected counter value for synchronization. The contactless card and the one or more servers may resynchronize the counter, via one or more processes, based on one or more reads of the one or more applets. The one or more servers may authenticate the contactless card based on the resynchronization.Type: ApplicationFiled: February 23, 2024Publication date: October 24, 2024Applicant: Capital One Services, LLCInventors: Kevin OSBORN, James ASHFIELD, Jeffrey Rule
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Publication number: 20240338678Abstract: Example embodiments of systems and methods for data transmission between a contactless card, a client device, and one or more servers are provided. The contactless card may include one or more processors and memory. The memory may include one or more applets. The client device may include one or more processors and memory. The client device may be in data communication with the contactless card. One or more servers may be in data communication with the client device. A first set of information may be transmitted from the contactless card to the client device. The first set of information may include one or more links to activate the contactless card. The client device may be configured to receive the first set of information from the contactless card. Upon validation of the first set of information, the contactless card may be activated.Type: ApplicationFiled: June 4, 2024Publication date: October 10, 2024Inventors: Jeffrey RULE, Melissa HENG, James ASHFIELD, Colin HART, Rajko ILINCIC, Wayne LUTZ
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Patent number: 12112322Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.Type: GrantFiled: October 14, 2021Date of Patent: October 8, 2024Assignee: Capital One Services, LLCInventors: Kaitlin Newman, Colin Hart, Jeffrey Rule, Lara Mossler, Sophie Bermudez, Michael Mossoba, Wayne Lutz, Charles Nathan Crank, Melissa Heng, Kevin Osborn, Kimberly Haynes, Andrew Cogswell, Latika Gulati, Sarah Jane Cunningham, James Ashfield
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Patent number: 12106294Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.Type: GrantFiled: June 29, 2021Date of Patent: October 1, 2024Assignee: Capital One Services, LLCInventors: Kaitlin Newman, Colin Hart, Jeffrey Rule, Lara Mossler, Sophie Bermudez, Michael Mossoba, Wayne Lutz, Charles Nathan Crank, Melissa Heng, Kevin Osborn, Kimberly Haynes, Andrew Cogswell, Latika Gulati, Sarah Jane Cunningham, James Ashfield
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Publication number: 20240303642Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key. Example embodiments of systems and methods can be used to provide further authentication and added levels of security for transactions.Type: ApplicationFiled: May 20, 2024Publication date: September 12, 2024Applicant: Capital One Services, LLCInventors: Kevin OSBORN, Jeffrey RULE, James ASHFIELD, Srinivasa CHIGURUPATI
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Patent number: 12061682Abstract: Embodiments are generally directed to techniques and devices to communicate a first communication to a mobile device, the first communication including first data to cause the mobile device to download a mobile application, communicate a second communication to the mobile device, the second communication comprising second data comprising a task identifier, the second data to cause the mobile application to perform an authentication task associated with the task identifier, determine the user is authenticated by the authentication task, and enable the mobile device to perform sensitive actions.Type: GrantFiled: July 19, 2021Date of Patent: August 13, 2024Assignee: Capital One Services, LLCInventors: Justin Anthony Bowers, James Ashfield, Melissa Yoemans Heng
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Patent number: 12056560Abstract: Example embodiments of systems and methods for contactless card verification include a contactless card including a substrate, a processor, and a memory, wherein the memory contains a first applet and a second applet, and a recipient device in data communication with the contactless card, wherein the second applet is configured to retrieve one or more parameters from the first applet via an interface; and wherein the second applet is configured to transmit the one or more parameters to the recipient device for verification.Type: GrantFiled: May 26, 2023Date of Patent: August 6, 2024Assignee: CAPITAL ONE SERVICES, LLCInventors: Jeffrey Rule, James Ashfield, Srinivasa Chigurupati, Kevin Osborn
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Patent number: 12026707Abstract: Example embodiments of systems and methods for data transmission between a contactless card and a client device in support of a FIDO authentication are provided. In an embodiment, upon receipt of a challenge issued by a server in connection with a pending transaction, the contactless card may authorize the client device to utilize a FIDO private key to respond to the challenge. If the response to the challenge is successful, the FIDO authentication may proceed and the transaction may be completed.Type: GrantFiled: November 3, 2022Date of Patent: July 2, 2024Assignee: CAPITAL ONE SERVICES, LLCInventors: Kevin Osborn, James Ashfield, Srinivasa Chigurupati, Jeffrey Rule
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Patent number: 12014353Abstract: Example embodiments of systems and methods for data transmission between a contactless card, a client device, and one or more servers are provided. The contactless card may include one or more processors and memory. The memory may include one or more applets. The client device may include one or more processors and memory. The client device may be in data communication with the contactless card. One or more servers may be in data communication with the client device. A first set of information may be transmitted from the contactless card to the client device. The first set of information may include one or more links to activate the contactless card. The client device may be configured to receive the first set of information from the contactless card. Upon validation of the first set of information, the contactless card may be activated.Type: GrantFiled: April 12, 2022Date of Patent: June 18, 2024Assignee: CAPITAL ONE SERVICES, LLCInventors: Jeffrey Rule, Melissa Heng, James Ashfield, Colin Hart, Rajko Ilincic, Wayne Lutz
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Patent number: 12008558Abstract: Example embodiments of systems and methods for data transmission between a contactless card and a client device in support of a FIDO authentication are provided. In an embodiment, upon receipt of a challenge issued by a server in connection with a pending transaction, the contactless card may authorize the client device to utilize a FIDO private key to respond to the challenge. If the response to the challenge is successful, the FIDO authentication may proceed and the transaction may be completed.Type: GrantFiled: October 26, 2021Date of Patent: June 11, 2024Assignee: Capital One Services, LLCInventors: Kevin Osborn, James Ashfield, Srinivasa Chigurupati, Jeffrey Rule
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Publication number: 20240187243Abstract: Example embodiments of systems and methods for data transmission between a contactless card, a client device, and one or more servers are provided. The contactless card may include one or more processors and memory, which may include one or more applets. The client device may include one or more processors and memory. The client device may be in data communication with the contactless card. One or more servers may be in data communication with the client device. A first set of information may be transmitted from the contactless card to the client device. The first set of information may include one or more links to activate the contactless card via a designated email program. Upon validation of the first set of information by the one or more servers, the contactless card may be activated.Type: ApplicationFiled: October 18, 2023Publication date: June 6, 2024Inventors: Jeffrey RULE, Melissa HENG, Wayne LUTZ, James ASHFIELD, Colin HART, Rajko ILINCIC
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Patent number: 11989724Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key. Example embodiments of systems and methods can be used to provide further authentication and added levels of security for transactions.Type: GrantFiled: August 27, 2021Date of Patent: May 21, 2024Assignee: Capital One Services LLCInventors: Kevin Osborn, Jeffrey Rule, James Ashfield, Srinivasa Chigurupati
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Patent number: 11935041Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.Type: GrantFiled: October 14, 2021Date of Patent: March 19, 2024Assignee: Capital One Services, LLCInventors: Kaitlin Newman, Colin Hart, Jeffrey Rule, Lara Mossler, Sophie Bermudez, Michael Mossoba, Wayne Lutz, Charles Nathan Crank, Melissa Heng, Kevin Osborn, Kimberly Haynes, Andrew Cogswell, Latika Gulati, Sarah Jane Cunningham, James Ashfield
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Patent number: 11924188Abstract: Example embodiments of systems and methods for data transmission between a contactless card, a client device, and one or more servers are provided. The memory of the contactless card may include one or more applets and a counter. The client device may be in data communication with the contactless card and one or more servers, and the one or more servers may include an expected counter value. The client device may be configured to read the counter from the contactless card and transmit it to the one or more servers. The one or more servers may compare the counter to the expected counter value for synchronization. The contactless card and the one or more servers may resynchronize the counter, via one or more processes, based on one or more reads of the one or more applets. The one or more servers may authenticate the contactless card based on the resynchronization.Type: GrantFiled: February 23, 2022Date of Patent: March 5, 2024Assignee: Capital One Services, LLCInventors: Kevin Osborn, James Ashfield, Jeffrey Rule