Patents by Inventor Kevin Osborn

Kevin Osborn 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: 20250078069
    Abstract: Systems and methods for authentication may include a first device having an association with a first account, including a memory containing one or more applets, a counter value, and transmission data, a communication interface, and one or more processors in communication with the memory and communication interface. The first device may create a cryptogram based on the counter value, wherein the cryptogram includes the counter value and the transmission data. The first device may transmit, after entry of the communication interface into a communication field, the cryptogram, and update, after transmission of the cryptogram, the counter value. The first device may receive, via the communication interface, one or more encrypted keys and one or more parameters. The first device may decrypt the one or more encrypted keys and, after decryption of the one or more encrypted keys, switch an association from the first account to a second account.
    Type: Application
    Filed: September 5, 2023
    Publication date: March 6, 2025
    Inventors: Kevin OSBORN, Jeffrey RULE
  • Patent number: 12243006
    Abstract: In some implementations, an autonomous vehicle may receive information associated with an order including multiple items. The autonomous vehicle may, after traveling to a first pickup location and obtaining a subset of the items in the order, identify one or more alternative pickup locations having respective inventories including one or more items that are unavailable at the first pickup location. The autonomous vehicle may generate one or more virtual credentials linked to a primary credential associated with a user that submitted the order and use the one or more virtual credentials to obtain, at each alternative pickup location, one or more items that were unavailable at the first pickup location. The autonomous vehicle may travel to a final destination to deliver the subset of the multiple items obtained from the first pickup location and the one or more items obtained from each of the one or more alternative pickup locations.
    Type: Grant
    Filed: May 11, 2022
    Date of Patent: March 4, 2025
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Kevin Osborn
  • Patent number: 12244725
    Abstract: In some embodiments, an authentication system may be configured to process one or more tokens that incorporates one or more tailored-wavelength-range coded patterns, codes represented within a steganographic image, or “overlapping” codes. As an example, such a token may include (i) one or more invisible-ink-printed patterns printed using infrared ink corresponding to different tailored wavelength ranges within the infrared light spectrum, (ii) one or more steganographic images in which invisible-ink-printed patterns are interweaved within the steganographic images, (iii) visible-ink-printed patterns and invisible-ink-printed patterns printed substantially within the visible ink portions of the visible-ink-printed patterns, or (iv) other features, where the invisible-ink-printed patterns correspond to one or more authentication codes or other data for token authentication.
    Type: Grant
    Filed: May 3, 2022
    Date of Patent: March 4, 2025
    Assignee: Capital One Services, LLC
    Inventors: Kevin Osborn, David Kelly Wurmfeld
  • Publication number: 20250071140
    Abstract: 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. In an embodiment, the transmitting device can signal an attack or potential attack through the counter value. The attack signaling can further include information relating to the attack or potential attack.
    Type: Application
    Filed: August 29, 2024
    Publication date: February 27, 2025
    Inventors: William DUANE, Srinivasa CHIGURUPATI, Kevin OSBORN
  • Patent number: 12236301
    Abstract: Embodiments are directed to methods and techniques for providing power via piezoelectric components on contactless cards.
    Type: Grant
    Filed: November 4, 2022
    Date of Patent: February 25, 2025
    Assignee: Capital One Services, LLC
    Inventors: Bryant Yee, Kevin Osborn, Tyler Maiman
  • Publication number: 20250062901
    Abstract: In some embodiments, the present disclosure provides an exemplary method that may include steps of identifying a plurality of identification numbers associated with a plurality of entities; determining at least one digital master key associated with an identification number; utilizing a derivation translation module to derive at least three digits of the plurality of digital digits associated with the digital master key; automatically generating a plurality of time-based digital tokens based on the at least three digits derived from the digital master key; utilizing at least one time-based digital token of the plurality of time-based digital tokens to generate digital data for with a computing device associated with a user; automatically generating a first card verification code associated with the at least one time-based digital token and the digital data; and automatically expiring the first card verification code after a predetermined period of time.
    Type: Application
    Filed: August 16, 2023
    Publication date: February 20, 2025
    Inventors: Srinivasa Chigurupati, Kevin Osborn
  • Publication number: 20250062902
    Abstract: In some embodiments, the present disclosure provides an exemplary method that may include steps of determining an identity of at least one user of a plurality of users based on a multi-factor authentication; utilizing an identity tokenizer to generate at least one temporary identity token associated with the identity of the user; transmitting the at least one temporary identity token to an external computing device for authentication; receiving an authenticated digital token from the external computing device; automatically utilizing the authenticated digital token to retrieve a plurality of data items of an account information; utilizing a security module to link the authenticated digital token and the plurality of data items; generating a unique-universal identifier associated with the security module and the authenticated digital token; and utilizing the unique-universal identifier and the security module associated with the authenticated digital token.
    Type: Application
    Filed: August 18, 2023
    Publication date: February 20, 2025
    Inventors: Kevin Osborn, Jeffrey Rule
  • Patent number: 12231351
    Abstract: Methods and systems are described herein for determining resource usage metrics of cloud computing systems. The system may generate access tokens for an account associated with a certain resource class of resources. The system may receive requests comprising a corresponding access token request and a corresponding resource class identifier. The system may determine the corresponding resource class for each request. The system may generate aggregated resource data based on a corresponding quantity of each resource within the resource class and may determine, based on the aggregated resource data, a resource usage metric indicating a total amount of resources used by the cloud computing system.
    Type: Grant
    Filed: November 1, 2023
    Date of Patent: February 18, 2025
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Kevin Osborn
  • Publication number: 20250055683
    Abstract: Systems and methods related to a variable non-fungible token that dynamically update metadata during blockchain functions. A variable non-fungible token comprises a non-fungible token that is minted with an indication of a non-transferable ownership wallet (e.g., a digital wallet for which the non-fungible token is minted for), a non-transferable smart contract address that has permissions for updating metadata for the variable non-fungible token, and a metadata property threshold based on a specific user corresponding to the digital wallet.
    Type: Application
    Filed: October 25, 2024
    Publication date: February 13, 2025
    Applicant: Capital One Services, LLC
    Inventors: Kevin Osborn, Austin Erickson, Christopher WU, Timur Sherif
  • Patent number: 12217303
    Abstract: Disclosed embodiments may include a system providing for currency transfer using augmented reality environments. The system may receive, at a user device associated with a user, a first input indicating a first selection of a first augmented reality item. The system may receive a second input indicating a first movement of the first augmented reality item. The system may determine whether the first augmented reality item is in proximity to a purchasable item. In response to determining that the first augmented reality item is in proximity to the purchasable item, the system may initiate a transfer by receiving image data containing a computer readable code associated with the purchasable item, processing the image data, retrieving store account information and transfer information regarding the purchasable item, retrieving user account information, and transmitting, to an account processor, the user account information, the store account information, and the transfer information.
    Type: Grant
    Filed: November 4, 2022
    Date of Patent: February 4, 2025
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Samuel Rapowitz, Kevin Osborn, Mia Rodriguez, Kathryn Tikoian
  • Publication number: 20250036332
    Abstract: Securing printing systems and methods include a printer with a controller coupled to a memory and configured to perform a printer operation. The printer controller receives an instruction comprising a first font element and a second font element. An identifier corresponding to the second font element is retrieved from a memory. The printer generates and prints a graphical character that based on the first font element and an augmented symbol corresponding to the identifier.
    Type: Application
    Filed: July 29, 2024
    Publication date: January 30, 2025
    Applicant: Capital One Services, LLC
    Inventors: Kevin OSBORN, David Kelly WURMFELD
  • Patent number: 12208584
    Abstract: In some implementations, a device for heat sealing may include a positioning device configured to move in at least two dimensions, and a sealing head attached to the positioning device. The sealing head may include an energy system configured to generate energy for heat sealing an article along a path of an arbitrary shape.
    Type: Grant
    Filed: February 28, 2022
    Date of Patent: January 28, 2025
    Assignee: Capital One Services, LLC
    Inventors: Kevin Osborn, David Kelly Wurmfeld
  • Patent number: 12212699
    Abstract: System and methods for handling on-chain cryptographic resources based on conditions generated responsive to an off-chain trigger. The system may receive a transfer request that includes a resource allocation request, generate a first blockchain function request for a list of contributor identifiers and condition sets, receive the list of contributor identifiers and condition sets, determine a subset of the list of contributor identifiers and condition sets, generate a second blockchain function request, and transmit the second operation request to a blockchain node.
    Type: Grant
    Filed: October 20, 2022
    Date of Patent: January 28, 2025
    Assignee: Capital One Services, LLC
    Inventors: Kevin Osborn, Jeffrey Rule, Samuel Rapowitz
  • Publication number: 20250029134
    Abstract: Disclosed are methods and systems for targeted link sharing. For instance, a sharable link may be detected on a sharing user's computing device, and one or more users associated with the sharing user may be determined to be suitable to use the link. For each suitable user, an interaction history of the user, a code use behavior of the user, and information associated with the code are provided as inputs to a trained machine learning system to obtain, as output, a likelihood that the user uses the code. Each suitable user determined to have the output meet a predefined criterion may be included in a list of receiving users for display within a notification on the sharing user's computing device. The link may be distributed to a computing device of at least one receiving user selected from the list to share the link.
    Type: Application
    Filed: July 17, 2023
    Publication date: January 23, 2025
    Applicant: Capital One Services, LLC
    Inventors: Leeyat Bracha TESSLER, Joshua EDWARDS, Kevin OSBORN, Renee GILL
  • Publication number: 20250029135
    Abstract: Disclosed are methods and systems for prioritization and/or validity monitoring of shared links. For instance, a share request for a link associated with a site may be received from a sharing user computing device. The link and associated information, including a valid status, may be stored. An interaction with the site on a receiving user computing device may be detected, and the link may be determined to be valid based on the stored information. A notification including the stored link may be generated and displayed on the receiving user computing device to prompt code use. Interactions indicating code use may be monitored for, code use may be detected, and the status may be updated to invalid. If a plurality of links associated with the site have been received, the links may be prioritized for inclusion in the notification based on a determined priority among sharing users of the links.
    Type: Application
    Filed: July 17, 2023
    Publication date: January 23, 2025
    Applicant: Capital One Services, LLC
    Inventors: Joshua EDWARDS, Kevin OSBORN, Leeyat Bracha TESSLER, Renee GILL
  • Patent number: 12205103
    Abstract: A contactless card can include a plurality of keys for a specific operation, e.g., encryption or signing a communication. The contactless card can also include an applet which uses a key selection module. The key selection module can select one of the plurality of keys and the applet can use the key to, e.g., encrypt or sign a communication using an encryption or signature algorithm. The contactless card can send the encrypted or signed communication to a host computer through a client device. The host computer can repeat the key selection technique of the contactless device to select the same key and thereby decrypt or verify the communication.
    Type: Grant
    Filed: December 7, 2022
    Date of Patent: January 21, 2025
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Srinivasa Chigurupati, Kevin Osborn
  • Publication number: 20250023713
    Abstract: Systems and methods for the localized storage and retrieval of private keys are provided. The system includes a card, a user device, and an ATM. The method comprises validating the user's identity, encrypting the private key, and depositing the key into the ATM. Another method comprises withdrawing the private key in a paper or virtual form.
    Type: Application
    Filed: July 14, 2023
    Publication date: January 16, 2025
    Inventors: Kevin OSBORN, Andrea MONTEALEGRE, Asher SMITH-ROSE
  • Publication number: 20250015637
    Abstract: A contactless card with power harvesting unit is described. The power harvesting unit is configured to harvest power from near field communication radio wave fields and supply power to a memory, processor, and communication circuit of the contactless card. In some embodiments, the contactless card may also include a capacitor for smoothing out power deliver or a rechargeable battery. The contactless card is configured to establish two-way communication with a secondary device and to store and execute applets. In some embodiments, the contactless card is a payment card which contains information associated with a primary profile and a secondary profile. The secondary profile may be activated using two-way communication if the primary profile is deactivated due to fraudulent activity.
    Type: Application
    Filed: June 12, 2024
    Publication date: January 9, 2025
    Inventors: Jeffrey RULE, Kevin OSBORN, Daniel HERRINGTON, William CARROLL
  • Patent number: 12190305
    Abstract: Disclosed embodiments may include a method for using accounts with multiple profiles where the system allows a primary user to create one or more secondary user profiles. Each secondary user profile is associated with its own VCN and one or more attributes. The one or more attributes can be used to limit the spending ability of each secondary user individually with hard and soft spending limits including merchant category, overall spending, and geographic limits. Purchases by a secondary user that violate the soft limits may be allowed by the primary user using an application associated with the primary account number. Attributes can be assembled by the primary user to create specific and creative spending limits. The system associates each transaction with the user profile using the specific VCN and generates a GUI for the primary user showing the second user profile, its current balance, and transaction history.
    Type: Grant
    Filed: June 28, 2022
    Date of Patent: January 7, 2025
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Wendy Wu, Kevin Osborn, Andrew M. Marr
  • Publication number: 20250005989
    Abstract: A system comprising: a document holder; an image sensor directed toward the document holder; a polarized filter between the image sensor and the document holder; a filter motor configured to rotate the polarized filter; one or more processors; and at least one memory having stored thereon computer program code that, when executed by the one or more processors, instructs the one or more processors to: control the filter motor to rotate the polarized filter; control the image sensors to capture a plurality of images of a document within the document holder, the plurality of images corresponding to a respective relative orientations of the polarized filter to the document; identify a feature of the document; and output, in response comparing respective visual characteristics of the feature of the document to corresponding expected visual characteristics of the first feature for the document, an indication of a verification of the document.
    Type: Application
    Filed: September 12, 2024
    Publication date: January 2, 2025
    Inventors: Kevin Osborn, Daniel Marsch