Patents by Inventor James ZARAKAS

James ZARAKAS 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: 20250182156
    Abstract: A device may receive, from a client device of a customer, item data identifying a price of an item and customer data identifying the customer, where the item data may be received by a transaction card from a price tag of the item. The device may receive price data identifying prices associated with multiple items and other data identifying locations, availabilities, and terms of the multiple items, and may process the item data, the price data, and the other data, with a machine learning model, to identify an optimal price for the item. The device may provide, to the client device, data identifying the optimal price and data identifying a merchant associated with the optimal price, and may receive transaction data identifying the item, the optimal price, and the merchant when the customer purchases the item. The device may perform actions based on the transaction data.
    Type: Application
    Filed: February 10, 2025
    Publication date: June 5, 2025
    Inventors: Molly JOHNSON, Adam VUKICH, James ZARAKAS
  • Publication number: 20250156853
    Abstract: A transaction card includes a near-field communication (NFC) component, a security component, a wireless component, one or more memories, and one or more processors communicatively coupled to the one or more memories. The device receives a signal from a user device attempting to access a secure application, and energizes the NFC component based on the signal received from the user device. The device causes the security component to generate an encrypted code based on the NFC component being energized, and provides, via the security component, the encrypted code to the wireless component. The device provides, via the wireless component, the encrypted code to the user device to permit the user device to utilize the encrypted code as authentication for accessing the secure application.
    Type: Application
    Filed: January 17, 2025
    Publication date: May 15, 2025
    Inventors: James ZARAKAS, Molly JOHNSON, Robert PERRY, Adam KOEPPEL, Tyler LOCKE
  • Publication number: 20250148248
    Abstract: A transaction card may power on the transaction card using electric current induced from an interaction of the transaction card with an electromagnetic field. The transaction card may establish a communication with a device. The communication may indicate that the transaction card has powered. The transaction card may receive, from the device, a set of instructions to configure a set of applets on the transaction card after notifying the device that the transaction card has powered on. The set of applets to be configured may be related to completing one or more different transactions. The set of applets to be configured may be different than another set of applets already configured on the transaction card. The transaction card may configure the set of applets on the transaction card according to the set of instructions after receiving the set of instructions.
    Type: Application
    Filed: January 9, 2025
    Publication date: May 8, 2025
    Inventors: Adam KOEPPEL, James ZARAKAS, Molly JOHNSON, Tyler LOCKE
  • Publication number: 20250069066
    Abstract: In some implementations, a transaction card may receive transaction data from a transaction terminal based on initiation of a transaction with the transaction terminal; generate a tokenized primary account number, for use with the transaction, based on the transaction data and an actual primary account number of the transaction card; and transmit the tokenized primary account number to the transaction terminal for processing the transaction.
    Type: Application
    Filed: November 11, 2024
    Publication date: February 27, 2025
    Inventors: James ZARAKAS, Tyler LOCKE
  • Publication number: 20240420550
    Abstract: Disclosed herein is a transaction instrument and method for recording vibration information associated with a transaction at a point-of-service (POS) terminal. The vibration information can be used to determine whether the POS terminal is compromised (e.g., via a skimmer).
    Type: Application
    Filed: August 22, 2024
    Publication date: December 19, 2024
    Applicant: Capital One Services, LLC
    Inventors: Molly JOHNSON, Adam VUKICH, James ZARAKAS
  • Publication number: 20240362449
    Abstract: A secure smart card is described. The smart card can include a processor, a memory and a transceiver. The smart card can communicate with various terminals and store a digital signature and other information on the card. Another terminal can validate the information stored on the smart card using the digital signature. In certain embodiments, the terminal can also validate the information by using a blockchain. The advanced design of the smart card obviates the need for a network connection.
    Type: Application
    Filed: June 5, 2024
    Publication date: October 31, 2024
    Inventors: Kevin OSBORN, James ZARAKAS, Saleem SANGI, Jeffrey RULE
  • Publication number: 20240338724
    Abstract: A device may receive, from a client device associated with a customer, an agreement of the customer to join a rewards program, and may receive, from the client device and based on the customer joining the rewards program, item data identifying an item placed in a shopping cart by the customer and customer data identifying the customer, wherein the item data is received by a transaction card from a price tag of the item, and wherein the item data is received after the item has been removed from a shelf and placed in the shopping cart. The device may receive rewards data identifying rewards associated with a plurality of items, and may process the item data, the rewards data, and the customer data, with a machine learning model, to identify a reward for the customer. The device may provide, to the client device, data identifying the reward.
    Type: Application
    Filed: June 17, 2024
    Publication date: October 10, 2024
    Inventors: James ZARAKAS, Adam VUKICH, Molly JOHNSON
  • Publication number: 20240273512
    Abstract: The present disclosure relates to systems and methods for using multicomputer data transferring to active contactless communication. In one example, such a system may include at least one memory storing instructions and at least one processor configured to execute the instructions to perform one or more operations, the operations including: receiving a transaction associated with a merchant on a list of merchants stored in the at least one memory; determining, based on the merchant, a remote server associated with the merchant; assembling a data packet including an identifier of the contactless card and an identifier of the transaction; transmitting the data packet to the determined server across one or more computer networks; receiving confirmation from the determined sever in response to the data packet; and transmitting the confirmation to a user device associated with the transaction.
    Type: Application
    Filed: February 26, 2024
    Publication date: August 15, 2024
    Applicant: Capital One Services, LLC
    Inventors: Adam KOEPPEL, Molly JOHNSON, Tyler LOCKE, James ZARAKAS, Kevin KELLY, Saleem SANGI, Robert PERRY
  • Publication number: 20240232854
    Abstract: 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: Application
    Filed: March 25, 2024
    Publication date: July 11, 2024
    Inventors: James ZARAKAS, Adam KOEPPEL, Kevin KELLY, David WURMFELD
  • Publication number: 20240232894
    Abstract: A fraud detection platform may receive transaction data relating to a transaction conducted by a user with a transaction card. The fraud detection platform may receive, from a biometric sensor of the transaction card, biometric data relating to one or more biometric characteristics of the user during the transaction. The fraud detection platform may receive, from an accelerometer of the transaction card, card movement data relating to a measure of shaking of the transaction card by the user during the transaction. The fraud detection platform may process the transaction data, the biometric data, and the card movement data, with a fraud detection model, to determine a fraud score associated with the transaction. The fraud detection platform may perform one or more actions based on the fraud score.
    Type: Application
    Filed: March 20, 2024
    Publication date: July 11, 2024
    Inventors: Molly JOHNSON, Adam VUKICH, James ZARAKAS
  • Publication number: 20240220757
    Abstract: Examples described herein describe a battery charger for a transaction card. According to some implementations, a charging device may detect a transaction card is received within a charging slot when an integrated circuit (IC) chip of the transaction card is in contact with a charging terminal; request a user device to provide power to charge the transaction card via the charging terminal, wherein the user device is communicatively coupled to the charging terminal; receive the power from the user device; and provide the power to the transaction card to charge a battery of the transaction card.
    Type: Application
    Filed: March 18, 2024
    Publication date: July 4, 2024
    Inventors: Adam R. KOEPPEL, Molly JOHNSON, Tyler LOCKE, James ZARAKAS
  • Publication number: 20240144234
    Abstract: A device may include a processor, a wireless transceiver in communication with the processor, and a non-transitory memory. The memory may store instructions that, when executed by the processor, cause the processor to perform processing. The processing may include receiving a command configured to be executed by an external user device. The external user device and the user device may be members of a network of trust. The processing may include detecting, by the wireless transceiver, a plurality of member devices of the network of trust in communication range of the device. The processing may include sending, by the wireless transceiver, the command to each of the plurality of member devices.
    Type: Application
    Filed: January 4, 2024
    Publication date: May 2, 2024
    Applicant: CAPITAL ONE SERVICES, LLC
    Inventors: Adam R. KOEPPEL, James ZARAKAS, Molly JOHNSON, Tyler LOCKE, Rajko ILINCIC, Kevan EMMOTT
  • Publication number: 20240112178
    Abstract: A transaction card includes a near-field communication (NFC) component, a security component, a wireless component, one or more memories, and one or more processors communicatively coupled to the one or more memories. The device receives a signal from a user device attempting to access a secure application, and energizes the NFC component based on the signal received from the user device. The device causes the security component to generate an encrypted code based on the NFC component being energized, and provides, via the security component, the encrypted code to the wireless component. The device provides, via the wireless component, the encrypted code to the user device to permit the user device to utilize the encrypted code as authentication for accessing the secure application.
    Type: Application
    Filed: December 13, 2023
    Publication date: April 4, 2024
    Inventors: James ZARAKAS, Molly JOHNSON, Robert PERRY, Adam KOEPPEL, Tyler LOCKE
  • Publication number: 20240097738
    Abstract: In some implementations, a near field communication (NFC) device may determine whether the NFC device is to perform a wireless transaction in a powered mode or an unpowered mode, and may selectively perform the wireless transaction in the powered mode or the unpowered mode based on determining whether the NFC device is to perform the wireless transaction in the powered mode or the unpowered mode. The wireless transaction may be performed using power from a power source internal to the NFC device when the wireless transaction is performed in the powered mode. The wireless transaction may be performed without using power from the power source internal to the NFC device when the wireless transaction is performed in the unpowered mode.
    Type: Application
    Filed: November 16, 2023
    Publication date: March 21, 2024
    Inventors: Adam KOEPPEL, Tyler LOCKE, Kevin KELLY, Robert PERRY, James ZARAKAS
  • Publication number: 20240086954
    Abstract: A fuel price determination system may receive transaction data identifying purchases, made with transaction cards and mobile transaction card applications of client devices, of fuel at fuel stations. The fuel price determination system may receive location data identifying locations associated with users of the client devices and the transaction cards, and user history data associated with prior purchases of fuel at fuel stations by the users. The fuel price determination system may process the transaction data, location data, and user history data, with a machine learning model, to determine fuel prices at the fuel stations. The fuel price determination system may determine a ranked list of particular fuel stations in a geographical area based on the fuel prices and populate, based on the location data and the ranked list, a map to identify the particular fuel stations and the fuel prices at the particular fuel stations.
    Type: Application
    Filed: November 14, 2023
    Publication date: March 14, 2024
    Inventors: James ZARAKAS, Adam VUKICH, Molly JOHNSON
  • Publication number: 20240086899
    Abstract: In some implementations, a transaction card may receive transaction data from a transaction terminal based on initiation of a transaction with the transaction terminal; generate a tokenized primary account number, for use with the transaction, based on the transaction data and an actual primary account number of the transaction card; and transmit the tokenized primary account number to the transaction terminal for processing the transaction.
    Type: Application
    Filed: November 21, 2023
    Publication date: March 14, 2024
    Inventors: James ZARAKAS, Tyler LOCKE
  • Publication number: 20240078573
    Abstract: A device may receive, from a client device of a customer, item data identifying a price of an item and customer data identifying the customer, where the item data may be received by a transaction card from a price tag of the item. The device may receive price data identifying prices associated with multiple items and other data identifying locations, availabilities, and terms of the multiple items, and may process the item data, the price data, and the other data, with a machine learning model, to identify an optimal price for the item. The device may provide, to the client device, data identifying the optimal price and data identifying a merchant associated with the optimal price, and may receive transaction data identifying the item, the optimal price, and the merchant when the customer purchases the item. The device may perform actions based on the transaction data.
    Type: Application
    Filed: November 13, 2023
    Publication date: March 7, 2024
    Inventors: Molly JOHNSON, Adam VUKICH, James ZARAKAS
  • Publication number: 20240062031
    Abstract: A transaction card may power on the transaction card using electric current induced from an interaction of the transaction card with an electromagnetic field. The transaction card may establish a communication with a device. The communication may indicate that the transaction card has powered. The transaction card may receive, from the device, a set of instructions to configure a set of applets on the transaction card after notifying the device that the transaction card has powered on. The set of applets to be configured may be related to completing one or more different transactions. The set of applets to be configured may be different than another set of applets already configured on the transaction card. The transaction card may configure the set of applets on the transaction card according to the set of instructions after receiving the set of instructions.
    Type: Application
    Filed: October 31, 2023
    Publication date: February 22, 2024
    Inventors: Adam KOEPPEL, James ZARAKAS, Molly JOHNSON, Tyler LOCKE
  • Publication number: 20240064004
    Abstract: In a method of facilitating encrypted communications between a transmitting system having a unique identifier and a receiving system, a key generation system generates at least one encryption master key for use with the unique identifier and an encryption algorithm to produce a transmitting system-unique encryption key. The key generation system also generates a shared secret master key for use with the unique identifier and a second encryption algorithm to produce a shared secret value. The at least one encryption master key and the shared secret master key are then stored in an encryption information database. The key generation system transmits the at least one encryption master key and shared secret information to the transmitting system and transmits the at least one encryption master key, the shared secret master key and the unique identifier to the receiving data processing system.
    Type: Application
    Filed: August 18, 2022
    Publication date: February 22, 2024
    Inventors: Kevin OSBORN, James ZARAKAS, Mark C. DUPUIS, Srinivasa CHIGURUPATI
  • Publication number: 20240062187
    Abstract: A device may include a processor, a wireless transceiver in communication with the processor, and a non-transitory memory. The memory may store instructions that, when executed by the processor, cause the processor to perform processing. The processing may include sending, by the wireless transceiver, a request to share a transaction to at least one external user device in communication range of the device. The processing may include receiving, at the wireless transceiver, at least one sharing confirmation from the at least one external user device. The processing may include generating a transaction request. The transaction request may include data describing the transaction and a transaction portion to be paid by an account associated with the device. The processing may include sending the transaction request to a transaction service for fulfillment.
    Type: Application
    Filed: October 31, 2023
    Publication date: February 22, 2024
    Applicant: CAPITAL ONE SERVICES, LLC
    Inventors: Adam R. KOEPPEL, James ZARAKAS, Molly JOHNSON, Tyler LOCKE