Patents by Inventor Matthew Stern

Matthew Stern 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: 11972459
    Abstract: A server system is provided for analyzing user interaction in an environment. The server system comprises a memory storing a set of instructions and a processor configured to execute the instructions to perform operations including determine a user has interacted with an item positioned in the environment based on a communication signal received from a hub physically located in the environment indicating an item tag associated with the item is linked with a user tag associated with the user. The server system may identify, based on one or more communication signals received from the hub, at least one metric associated with the user's interaction with the item and compare the at least one metric with a set of rules associated with the type of metric. The server system may provide an indication, based on the comparison, to a display device.
    Type: Grant
    Filed: March 15, 2021
    Date of Patent: April 30, 2024
    Assignee: Capital One Services, LLC
    Inventors: Matthew Stern, Jason Deperro, Dan Makoski, Makiko Taniguchi
  • Publication number: 20240119442
    Abstract: In one embodiment, a method comprises receiving a unique identifier from an item and sending a communication to an electronic device requesting that a user confirm a pending transaction, receiving input from the electronic device associated, and sending the received input to an authentication system for completing a transaction. In another embodiment, a system comprises a sensor, an authentication system, and a transaction processing system. The sensor is configured to emit energy and receive at least one first identifier, send at least one communication to an electronic device requesting a second identifier, receive at least one second identifier, and send the at least one first identifier and the at least one second identifier to the authentication system.
    Type: Application
    Filed: December 19, 2023
    Publication date: April 11, 2024
    Applicant: Capital One Services, LLC
    Inventors: Matthew STERN, Jason DEPERRO, Dan MAKOSKI
  • Patent number: 11887100
    Abstract: In one embodiment, a method comprises receiving a unique identifier from an item and sending a communication to an electronic device requesting that a user confirm a pending transaction, receiving input from the electronic device associated, and sending the received input to an authentication system for completing a transaction. In another embodiment, a system comprises a sensor, an authentication system, and a transaction processing system. The sensor is configured to emit energy and receive at least one first identifier, send at least one communication to an electronic device requesting a second identifier, receive at least one second identifier, and send the at least one first identifier and the at least one second identifier to the authentication system.
    Type: Grant
    Filed: October 22, 2022
    Date of Patent: January 30, 2024
    Assignee: Capital One Services, LLC
    Inventors: Matthew Stern, Jason Deperro, Dan Makoski
  • Publication number: 20230274120
    Abstract: The disclosed embodiments generally relate to transaction card constructions, and particularly, to a two-piece transaction card construction. Disclosed embodiments include a generally planar first card component including a first surface and a generally planar second card component including a second surface wherein the first card component is separate from the second card component. In disclosed embodiments, for example, the generally planar first card component and the generally planar second card component may be configured such that one forms a cavity and the other forms an inlay component configured to be seated within the cavity. In other embodiments the generally planar first card component and the generally planar second card component may be configured such that one forms a container and the other forms a lid configured to close the container.
    Type: Application
    Filed: May 9, 2023
    Publication date: August 31, 2023
    Applicant: Capital One Services, LLC
    Inventors: Matthew STERN, Makiko TANIGUCHI, Dan MAKOSKI, Lin YANG, Carl CEPRESS, Austin ANDERSON, Jason DEPERRO, Elwin Ching Yee ONG
  • Patent number: 11687758
    Abstract: The disclosed embodiments generally relate to transaction card constructions, and particularly, to a two-piece transaction card construction. Disclosed embodiments include a generally planar first card component including a first surface and a generally planar second card component including a second surface wherein the first card component is separate from the second card component. In disclosed embodiments, for example, the generally planar first card component and the generally planar second card component may be configured such that one forms a cavity and the other forms an inlay component configured to be seated within the cavity. In other embodiments the generally planar first card component and the generally planar second card component may be configured such that one forms a container and the other forms a lid configured to close the container.
    Type: Grant
    Filed: June 27, 2022
    Date of Patent: June 27, 2023
    Assignee: Capital One Services, LLC
    Inventors: Matthew Stern, Makiko Taniguchi, Dan Makoski, Lin Yang, Carl Cepress, Austin Anderson, Jason Deperro, Elwin Ching Yee Ong
  • Publication number: 20230042466
    Abstract: In one embodiment, a method comprises receiving a unique identifier from an item and sending a communication to an electronic device requesting that a user confirm a pending transaction, receiving input from the electronic device associated, and sending the received input to an authentication system for completing a transaction. In another embodiment, a system comprises a sensor, an authentication system, and a transaction processing system. The sensor is configured to emit energy and receive at least one first identifier, send at least one communication to an electronic device requesting a second identifier, receive at least one second identifier, and send the at least one first identifier and the at least one second identifier to the authentication system.
    Type: Application
    Filed: October 22, 2022
    Publication date: February 9, 2023
    Applicant: Capital One Services, LLC
    Inventors: Matthew STERN, Jason DEPERRO, Dan MAKOSKI
  • Patent number: 11514426
    Abstract: In one embodiment, a method comprises receiving a unique identifier from an item and sending a communication to an electronic device requesting that a user confirm a pending transaction, receiving input from the electronic device associated, and sending the received input to an authentication system for completing a transaction. In another embodiment, a system comprises a sensor, an authentication system, and a transaction processing system. The sensor is configured to emit energy and receive at least one first identifier, send at least one communication to an electronic device requesting a second identifier, receive at least one second identifier, and send the at least one first identifier and the at least one second identifier to the authentication system.
    Type: Grant
    Filed: January 22, 2019
    Date of Patent: November 29, 2022
    Assignee: Capital One Services, LLC
    Inventors: Matthew Stern, Jason Deperro, Dan Makoski
  • Publication number: 20220327346
    Abstract: The disclosed embodiments generally relate to transaction card constructions, and particularly, to a two-piece transaction card construction. Disclosed embodiments include a generally planar first card component including a first surface and a generally planar second card component including a second surface wherein the first card component is separate from the second card component. In disclosed embodiments, for example, the generally planar first card component and the generally planar second card component may be configured such that one forms a cavity and the other forms an inlay component configured to be seated within the cavity. In other embodiments the generally planar first card component and the generally planar second card component may be configured such that one forms a container and the other forms a lid configured to close the container.
    Type: Application
    Filed: June 27, 2022
    Publication date: October 13, 2022
    Applicant: Capital One Services, LLC
    Inventors: Matthew Stern, Makiko Taniguchi, Dan Makoski, Lin Yang, Carl Cepress, Austin Anderson, Jason Deperro, Elwin Ching Yee Ong
  • Patent number: 11403504
    Abstract: The disclosed embodiments generally relate to transaction card constructions, and particularly, to a two-piece transaction card construction. Disclosed embodiments include a generally planar first card component including a first surface and a generally planar second card component including a second surface wherein the first card component is separate from the second card component. In disclosed embodiments, for example, the generally planar first card component and the generally planar second card component may be configured such that one forms a cavity and the other forms an inlay component configured to be seated within the cavity. In other embodiments the generally planar first card component and the generally planar second card component may be configured such that one forms a container and the other forms a lid configured to close the container.
    Type: Grant
    Filed: December 31, 2020
    Date of Patent: August 2, 2022
    Assignee: Capital One Services, LLC
    Inventors: Matthew Stern, Makiko Taniguchi, Dan Makoski, Lin Yang, Carl Cepress, Austin Anderson, Jason Deperro, Elwin Ching Yee Ong
  • Patent number: 11200560
    Abstract: In one embodiment, a method comprises receiving a unique identifier from an item and sending a communication to an electronic device requesting that a user confirm a pending transaction, receiving input from the electronic device associated, and sending the received input to an authentication system for completing a transaction. In another embodiment, a system comprises a sensor, an authentication system, and a transaction processing system. The sensor is configured to emit energy and receive at least one first identifier, send at least one communication to an electronic device requesting a second identifier, receive at least one second identifier, and send the at least one first identifier and the at least one second identifier to the authentication system.
    Type: Grant
    Filed: December 17, 2015
    Date of Patent: December 14, 2021
    Assignee: Capital One Services, LLC
    Inventors: Matthew Stern, Jason Deperro, Dan Makoski
  • Publication number: 20210201362
    Abstract: A server system is provided for analyzing user interaction in an environment. The server system comprises a memory storing a set of instructions and a processor configured to execute the instructions to perform operations including determine a user has interacted with an item positioned in the environment based on a communication signal received from a hub physically located in the environment indicating an item tag associated with the item is linked with a user tag associated with the user. The server system may identify, based on one or more communication signals received from the hub, at least one metric associated with the user's interaction with the item and compare the at least one metric with a set of rules associated with the type of metric. The server system may provide an indication, based on the comparison, to a display device.
    Type: Application
    Filed: March 15, 2021
    Publication date: July 1, 2021
    Applicant: Capital One Services, LLC
    Inventors: Matthew STERN, Jason DEPERRO, Dan MAKOSKI, Makiko TANIGUCHI
  • Publication number: 20210125020
    Abstract: The disclosed embodiments generally relate to transaction card constructions, and particularly, to a two-piece transaction card construction. Disclosed embodiments include a generally planar first card component including a first surface and a generally planar second card component including a second surface wherein the first card component is separate from the second card component. In disclosed embodiments, for example, the generally planar first card component and the generally planar second card component may be configured such that one forms a cavity and the other forms an inlay component configured to be seated within the cavity. In other embodiments the generally planar first card component and the generally planar second card component may be configured such that one forms a container and the other forms a lid configured to close the container.
    Type: Application
    Filed: December 31, 2020
    Publication date: April 29, 2021
    Applicant: Capital One Services, LLC.
    Inventors: Matthew Stern, Makiko Taniguchi, Dan Makoski, Lin Yang, Carl Cepress, Austin Anderson, Jason Deperro, Elwin Ching Yee Ong
  • Patent number: 10949835
    Abstract: Systems and methods are provided for activating a function of an account card based on physical devices interactions such as a motion pattern detected by the account card. In some embodiments, the account card may include one or more sensors and processing capabilities sufficient to store a motion pattern, detect a motion pattern representing movement of the account card, compare the detected motion pattern to the stored motion pattern, and activate one or more functions of the account card based on the comparison. In some embodiments, the one or more functions may relate to account information communication, such as writing a magnetic stripe, unblocking a magnetic stripe, activating a near field communication chip, displaying an account number, providing power to an antenna, or otherwise enabling communication of the account number based on the capabilities of the card.
    Type: Grant
    Filed: May 29, 2020
    Date of Patent: March 16, 2021
    Assignee: Capital One Services, LLC
    Inventors: Matthew Stern, Makiko Taniguchi, Dan Makoski, Lin Yang, Carl Cepress, Austin Anderson, Jason Deperro
  • Patent number: 10949890
    Abstract: A server system is provided for analyzing user interaction in an environment. The server system comprises a memory storing a set of instructions and a processor configured to execute the instructions to perform operations including determine a user has interacted with an item positioned in the environment based on a communication signal received from a hub physically located in the environment indicating an item tag associated with the item is linked with a user tag associated with the user. The server system may identify, based on one or more communication signals received from the hub, at least one metric associated with the user's interaction with the item and compare the at least one metric with a set of rules associated with the type of metric. The server system may provide an indication, based on the comparison, to a display device.
    Type: Grant
    Filed: February 20, 2018
    Date of Patent: March 16, 2021
    Assignee: Capital One Services, LLC
    Inventors: Matthew Stern, Jason Deperro, Dan Makoski, Makiko Taniguchi
  • Patent number: 10896362
    Abstract: The disclosed embodiments generally relate to transaction card constructions, and particularly, to a two-piece transaction card construction. Disclosed embodiments include a generally planar first card component including a first surface and a generally planar second card component including a second surface wherein the first card component is separate from the second card component. In disclosed embodiments, for example, the generally planar first card component and the generally planar second card component may be configured such that one forms a cavity and the other forms an inlay component configured to be seated within the cavity. In other embodiments the generally planar first card component and the generally planar second card component may be configured such that one forms a container and the other forms a lid configured to close the container.
    Type: Grant
    Filed: March 31, 2020
    Date of Patent: January 19, 2021
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Matthew Stern, Makiko Taniguchi, Dan Makoski, Lin Yang, Carl Cepress, Austin Anderson, Jason Deperro, Elwin Ching Yee Ong
  • Patent number: 10783582
    Abstract: In one embodiment, a server is provided for providing real-time monitoring of spending limits. The server may include memory storing software instructions, and a processor(s) configured to execute the software instructions to perform operations. The operations may include determining that a user has interacted with a store item in a retail environment. The operations may also include accessing a user profile of the user that includes a savings goal of the user, and determining that purchase of the store item would meet at least one trigger condition associated with the savings goal. The operations may further include generating an analysis of the estimated impact of the purchase to the savings goal, and providing the analysis to a device for display to the user while the user remains within the retail environment.
    Type: Grant
    Filed: December 18, 2015
    Date of Patent: September 22, 2020
    Assignee: Capital One Services, LLC
    Inventors: Jason Deperro, Matthew Stern, Daniel Makoski, Makiko Taniguchi, Austin Anderson, Carl Cepress
  • Publication number: 20200294030
    Abstract: Systems and methods are provided for activating a function of an account card based on physical devices interactions such as a motion pattern detected by the account card. In some embodiments, the account card may include one or more sensors and processing capabilities sufficient to store a motion pattern, detect a motion pattern representing movement of the account card, compare the detected motion pattern to the stored motion pattern, and activate one or more functions of the account card based on the comparison. In some embodiments, the one or more functions may relate to account information communication, such as writing a magnetic stripe, unblocking a magnetic stripe, activating a near field communication chip, displaying an account number, providing power to an antenna, or otherwise enabling communication of the account number based on the capabilities of the card.
    Type: Application
    Filed: May 29, 2020
    Publication date: September 17, 2020
    Applicant: Capital One Services, LLC
    Inventors: Matthew Stern, Makiko Taniguchi, Dan Makoski, Lin Yang, Carl Cepress, Austin Anderson, Jason Deperro
  • Patent number: 10748191
    Abstract: A server system is provided for analyzing user interaction in an environment. The server system comprises a memory storing a set of instructions and a processor configured to execute the instructions to perform operations including determine a user has interacted with an item positioned in the environment based on a communication signal received from a hub physically located in the environment indicating an item tag associated with the item is linked with a user tag associated with the user. The server system may identify, based on one or more communication signals received from the hub, at least one metric associated with the user's interaction with the item and compare the at least one metric with a set of rules associated with the type of metric. The server system may provide an indication, based on the comparison, to a display device.
    Type: Grant
    Filed: December 17, 2015
    Date of Patent: August 18, 2020
    Assignee: Capital One Services, LLC
    Inventors: Matthew Stern, Jason Deperro, Dan Makoski, Makiko Taniguchi
  • Publication number: 20200226441
    Abstract: The disclosed embodiments generally relate to transaction card constructions, and particularly, to a two-piece transaction card construction. Disclosed embodiments include a generally planar first card component including a first surface and a generally planar second card component including a second surface wherein the first card component is separate from the second card component. In disclosed embodiments, for example, the generally planar first card component and the generally planar second card component may be configured such that one forms a cavity and the other forms an inlay component configured to be seated within the cavity. In other embodiments the generally planar first card component and the generally planar second card component may be configured such that one forms a container and the other forms a lid configured to close the container.
    Type: Application
    Filed: March 31, 2020
    Publication date: July 16, 2020
    Applicant: Capital One Services, LLC.
    Inventors: Matthew Stern, Makiko Taniguchi, Dan Makoski, Lin Yang, Carl Cepress, Austin Anderson, Jason Deperro, Elwin Ching Yee Ong
  • Patent number: 10706409
    Abstract: Systems and methods are provided for activating a function of an account card based on physical devices interactions such as a motion pattern detected by the account card. In some embodiments, the account card may include one or more sensors and processing capabilities sufficient to store a motion pattern, detect a motion pattern representing movement of the account card, compare the detected motion pattern to the stored motion pattern, and activate one or more functions of the account card based on the comparison. In some embodiments, the one or more functions may relate to account information communication, such as writing a magnetic stripe, unblocking a magnetic stripe, activating a near field communication chip, displaying an account number, providing power to an antenna, or otherwise enabling communication of the account number based on the capabilities of the card.
    Type: Grant
    Filed: February 6, 2020
    Date of Patent: July 7, 2020
    Assignee: Capital One Services, LLC
    Inventors: Matthew Stern, Makiko Taniguchi, Dan Makoski, Lin Yang, Carl Cepress, Austin Anderson, Jason Deperro