Patents by Inventor Melissa Heng
Melissa Heng 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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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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Publication number: 20230409845Abstract: Example embodiments of systems and methods for data transmission between a contactless card and a receiving application are provided. The transmitting device may include a processor, memory, and communication interface. A receiving application may include instructions for execution on a receiving device having a processor, a memory, a communication interface configured to create a communication field for data communication with the transmitting device, and one or more sensors. Upon movement of the transmitting device, the receiving application is configured to receive, via one or more sensors, feedback information associated with the transmitting device, display one or more instructions regarding the position of the transmitting device relative to the receiving device until the transmitting device enters the communication field. Upon entry into the communication field, the transmitting device is configured to transmit data to the receiving device.Type: ApplicationFiled: September 6, 2023Publication date: December 21, 2023Inventors: Jeffrey RULE, Daniel HERRINGTON, Colin HART, Kevin OSBORN, Melissa HENG, Rajko ILINCIC, Jason JI
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Patent number: 11843700Abstract: 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: GrantFiled: July 26, 2022Date of Patent: December 12, 2023Assignee: CAPITAL ONE SERVICES, LLCInventors: Jeffrey Rule, Melissa Heng, Wayne Lutz, James Ashfield, Colin Hart, Rajko Ilincic
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Patent number: 11790187Abstract: Example embodiments of systems and methods for data transmission between a contactless card and a receiving application are provided. The transmitting device may include a processor, memory, and communication interface. A receiving application may include instructions for execution on a receiving device having a processor, a memory, a communication interface configured to create a communication field for data communication with the transmitting device, and one or more sensors. Upon movement of the transmitting device, the receiving application is configured to receive, via one or more sensors, feedback information associated with the transmitting device, display one or more instructions regarding the position of the transmitting device relative to the receiving device until the transmitting device enters the communication field. Upon entry into the communication field, the transmitting device is configured to transmit data to the receiving device.Type: GrantFiled: March 7, 2022Date of Patent: October 17, 2023Assignee: CAPITAL ONE SERVICES, LLCInventors: Jeffrey Rule, Daniel Herrington, Colin Hart, Kevin Osborn, Melissa Heng, Rajko Ilincic, Jason Ji
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Publication number: 20220368531Abstract: 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: July 26, 2022Publication date: November 17, 2022Inventors: Jeffrey RULE, Melissa HENG, Wayne LUTZ, James ASHFIELD, Colin HART, Rajko ILINCIC
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Patent number: 11438164Abstract: 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: GrantFiled: July 29, 2020Date of Patent: September 6, 2022Assignee: CAPITAL ONE SERVICES, LLCInventors: Jeffrey Rule, Melissa Heng, Wayne Lutz, James Ashfield, Colin Hart, Rajko Ilincic
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Publication number: 20220237590Abstract: 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: April 12, 2022Publication date: July 28, 2022Inventors: Jeffrey RULE, Melissa HENG, James ASHFIELD, Colin HART, Rajko ILINCIC, Wayne LUTZ
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Publication number: 20220188528Abstract: Example embodiments of systems and methods for data transmission between a contactless card and a receiving application are provided. The transmitting device may include a processor, memory, and communication interface. A receiving application may include instructions for execution on a receiving device having a processor, a memory, a communication interface configured to create a communication field for data communication with the transmitting device, and one or more sensors. Upon movement of the transmitting device, the receiving application is configured to receive, via one or more sensors, feedback information associated with the transmitting device, display one or more instructions regarding the position of the transmitting device relative to the receiving device until the transmitting device enters the communication field. Upon entry into the communication field, the transmitting device is configured to transmit data to the receiving device.Type: ApplicationFiled: March 7, 2022Publication date: June 16, 2022Inventors: Jeffrey RULE, Daniel HERRINGTON, Colin HART, Kevin OSBORN, Melissa HENG, Rajko ILINCIC, Jason JI
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Patent number: 11341480Abstract: 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: February 19, 2020Date of Patent: May 24, 2022Assignee: CAPITAL ONE SERVICES, LLCInventors: Jeffrey Rule, Melissa Heng, James Ashfield, Colin Hart, Rajko Ilincic, Wayne Lutz
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Patent number: 11321546Abstract: Example embodiments of systems and methods for data transmission between a contactless card and a receiving application are provided. The transmitting device may include a processor, memory, and communication interface. A receiving application may include instructions for execution on a receiving device having a processor, a memory, a communication interface configured to create a communication field for data communication with the transmitting device, and one or more sensors. Upon movement of the transmitting device, the receiving application is configured to receive, via one or more sensors, feedback information associated with the transmitting device, display one or more instructions regarding the position of the transmitting device relative to the receiving device until the transmitting device enters the communication field. Upon entry into the communication field, the transmitting device is configured to transmit data to the receiving device.Type: GrantFiled: July 29, 2020Date of Patent: May 3, 2022Assignee: CAPITAL ONE SERVICES, LLCInventors: Jeffrey Rule, Daniel Herrington, Colin Hart, Kevin Osborn, Melissa Heng, Rajko Ilincic, Jason Ji
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Publication number: 20220036349Abstract: 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: October 14, 2021Publication date: February 3, 2022Inventors: 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: 20210398115Abstract: 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: June 29, 2021Publication date: December 23, 2021Applicant: 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: 11182785Abstract: 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 21, 2019Date of Patent: November 23, 2021Assignee: 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: 11178136Abstract: Embodiments of systems and methods for data access control and account management are described. In an embodiment, a server can apply flags to user accounts identified as requiring the user to perform an action or, in the case of potentially compromised access credentials, to offer the user the opportunity to authenticate and create new credentials. A user account database and an access report database can store access credentials, flags, and other relevant information for use by the server to perform various administrative, authentication, and protective actions on user accounts.Type: GrantFiled: December 19, 2019Date of Patent: November 16, 2021Assignee: CAPITAL ONE SERVICES, LLCInventors: Lara Mossler, Baskar Dilli, Melissa Heng, Aravindhan Manivannan
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Patent number: 10860814Abstract: Example embodiments of systems and methods for data transmission between a contactless card and a receiving application are provided. The transmitting device may include a processor, memory, and communication interface. A receiving application may include instructions for execution on a receiving device having a processor, a memory, a communication interface configured to create a communication field for data communication with the transmitting device, and one or more sensors. Upon movement of the transmitting device, the receiving application is configured to receive, via one or more sensors, feedback information associated with the transmitting device, display one or more instructions regarding the position of the transmitting device relative to the receiving device until the transmitting device enters the communication field. Upon entry into the communication field, the transmitting device is configured to transmit data to the receiving device.Type: GrantFiled: October 2, 2019Date of Patent: December 8, 2020Assignee: CAPITAL ONE SERVICES, LLCInventors: Jeffrey Rule, Daniel Herrington, Colin Hart, Kevin Osborn, Melissa Heng, Rajko Ilincic, Jason Ji
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Publication number: 20200364416Abstract: Example embodiments of systems and methods for data transmission between a contactless card and a receiving application are provided. The transmitting device may include a processor, memory, and communication interface. A receiving application may include instructions for execution on a receiving device having a processor, a memory, a communication interface configured to create a communication field for data communication with the transmitting device, and one or more sensors. Upon movement of the transmitting device, the receiving application is configured to receive, via one or more sensors, feedback information associated with the transmitting device, display one or more instructions regarding the position of the transmitting device relative to the receiving device until the transmitting device enters the communication field. Upon entry into the communication field, the transmitting device is configured to transmit data to the receiving device.Type: ApplicationFiled: July 29, 2020Publication date: November 19, 2020Inventors: Jeffrey RULE, Daniel HERRINGTON, Colin HART, Kevin OSBORN, Melissa HENG, Rajko ILINCIC, Jason JI
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Publication number: 20200358616Abstract: 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: July 29, 2020Publication date: November 12, 2020Inventors: Jeffrey RULE, Melissa HENG, Wayne LUTZ, James ASHFIELD, Colin HART, Rajko ILINCIC
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Publication number: 20200302128Abstract: Example embodiments of systems and methods for data transmission between a contactless card and a receiving application are provided. The transmitting device may include a processor, memory, and communication interface. A receiving application may include instructions for execution on a receiving device having a processor, a memory, a communication interface configured to create a communication field for data communication with the transmitting device, and one or more sensors. Upon movement of the transmitting device, the receiving application is configured to receive, via one or more sensors, feedback information associated with the transmitting device, display one or more instructions regarding the position of the transmitting device relative to the receiving device until the transmitting device enters the communication field. Upon entry into the communication field, the transmitting device is configured to transmit data to the receiving device.Type: ApplicationFiled: October 2, 2019Publication date: September 24, 2020Inventors: Jeffrey RULE, Daniel HERRINGTON, Colin HART, Kevin OSBORN, Melissa HENG, Rajko ILINCIC, Jason JI
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Patent number: 10771254Abstract: 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: GrantFiled: August 21, 2019Date of Patent: September 8, 2020Assignee: CAPITAL ONE SERVICES, LLCInventors: Jeffrey Rule, Melissa Heng, Wayne Lutz, James Ashfield, Colin Hart, Rajko Ilincic
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Publication number: 20200242599Abstract: 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: October 21, 2019Publication date: July 30, 2020Inventors: 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