Patents by Inventor Molly Johnson
Molly Johnson 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: 11775960Abstract: A controller of a transaction card may cause the transaction card to be in a first state. The transaction card may include a battery and at least one other component. In the first state, the battery does not provide power to the at least one other component of the transaction card. The transaction card may receive a signal from a near-field communication (NFC) device and may cause the transaction card to be in a second state based on receiving the signal. In the second state, the battery provides power to the at least one other component of the transaction card. The transaction card may perform a transaction based on the transaction card being in the second state.Type: GrantFiled: November 4, 2022Date of Patent: October 3, 2023Assignee: Capital One Services, LLCInventors: Molly Johnson, James Zarakas, Adam Vukich
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Patent number: 11763587Abstract: A device receives a transaction request concerning a transaction and a transaction card from a transaction terminal, and determines, based on the transaction request, information concerning the transaction card. The device sends, based on the transaction request and to a user device, a query concerning possession of the transaction card by a user of the user device, where the query includes an instruction for the user to confirm possession of the transaction card via a component of the user device. The device receives, from the user device and after sending the query to the user device, a response concerning possession of the transaction card by the user, and determines, based on the response and the information concerning the transaction card, whether the user has possession of the transaction card. The device performs, based on determining whether the user has possession of the transaction card, at least one action.Type: GrantFiled: June 10, 2021Date of Patent: September 19, 2023Assignee: Capital One Services, LLCInventors: Francisco Perezleon, Molly Johnson, Colin Hart, Kaitlin Newman, Angelina Wu, Jason Ji, Joshua Edwards
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Publication number: 20230289844Abstract: 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: ApplicationFiled: May 17, 2023Publication date: September 14, 2023Inventors: James ZARAKAS, Adam VUKICH, Molly JOHNSON
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Patent number: 11734671Abstract: The present disclosure describes a smart card that determines a context associated with the smart card and displays information based on the determined context. The smart card may determine a location of the smart card. Based on the determined location, the smart card may retrieve a list of establishments. The list of establishments may be used to determine a context, for example, based on information related to the establishments, historical information, user information, etc. Once the context is determined, the smart card may select information to display on the smart card. By limiting the information displayed on the smart card, the smart card may limit what can be captured by bad actors, thereby improving the security of the smart cards.Type: GrantFiled: February 22, 2021Date of Patent: August 22, 2023Assignee: Capital One Services, LLCInventors: James Zarakas, Molly Johnson, Adam Vukich
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Publication number: 20230245115Abstract: A dynamic transaction card including: one or more light emitting elements; a transceiver; and an embedded microprocessor configured to: receive, from a transaction terminal, a location information corresponding to a current location of the transaction terminal; wirelessly transmit, via the transceiver and to a mobile device, the location information; receive an indication that a location-specific security concern exists; and in response to receiving the indication, control the one or more light emitting elements to display a visual indication corresponding to the location-specific security concern.Type: ApplicationFiled: April 6, 2023Publication date: August 3, 2023Inventors: Molly Johnson, Adam Vukich, James Zarakas
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Publication number: 20230222881Abstract: Disclosed herein are system, method, and apparatus for detecting a skimmer via a vibration sensor on a transaction card. The method includes receiving, at a server, from a user equipment, vibration information recorded by a transaction card in response to an execution of a transaction at a point-of-service (POS) terminal of a plurality of POS terminals using the transaction card. The vibration information may be recorded by a microphone or an accelerometer on the transaction card while the transaction card is swiped through the POS terminal or inserted into or removed from the POS terminal. The method includes determining, at the server, a state of the POS terminal based on the received vibration information and in response to a determination of the state of the POS being compromised, sending to one or more stakeholders of the transaction a warning message containing the POS terminal information including the POS terminal’s state.Type: ApplicationFiled: March 13, 2023Publication date: July 13, 2023Applicant: Capital One Services, LLCInventors: Molly JOHNSON, Adam VUKICH, James ZARAKAS
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Publication number: 20230186044Abstract: 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: ApplicationFiled: February 6, 2023Publication date: June 15, 2023Inventors: Adam R. KOEPPEL, Molly JOHNSON, Tyler LOCKE, James ZARAKAS
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Patent number: 11676167Abstract: 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: GrantFiled: May 22, 2020Date of Patent: June 13, 2023Assignee: Capital One Services, LLCInventors: James Zarakas, Adam Vukich, Molly Johnson
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Patent number: 11640510Abstract: In some embodiments, a smart card may include a substrate with a first side and a second side. A first protective layer covers the first side and a second protective layer covers the second side of the substrate. Circuitry held in the substrate includes electronic interconnects for interconnecting circuitry elements. The circuitry elements include a processor, power circuitry for powering the circuitry elements, and an environmental detection sensor for respectively detecting a predetermined environmental parameter. The processor is configured to receive an output from the environmental detection sensor, to determine from the output that the environmental detection sensor detected an environmental alert trigger condition, and to generate an alert that is representative of the environmental alert trigger condition. The protective layers include pores in a region proximate to the environmental detection sensor for exposing the environmental detection sensor to an environment around the smart card.Type: GrantFiled: February 24, 2022Date of Patent: May 2, 2023Assignee: Capital One Services, LLCInventors: James Zarakas, Molly Johnson, Adam Vukich
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Publication number: 20230118529Abstract: A controller of a transaction card may cause the transaction card to be in a first state. The transaction card may include a battery and at least one other component. In the first state, the battery does not provide power to the at least one other component of the transaction card. The transaction card may receive a signal from a near-field communication (NFC) device and may cause the transaction card to be in a second state based on receiving the signal. In the second state, the battery provides power to the at least one other component of the transaction card. The transaction card may perform a transaction based on the transaction card being in the second state.Type: ApplicationFiled: November 4, 2022Publication date: April 20, 2023Inventors: Molly JOHNSON, James ZARAKAS, Adam VUKICH
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Publication number: 20230115883Abstract: 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: ApplicationFiled: November 3, 2022Publication date: April 13, 2023Inventors: Molly JOHNSON, Adam VUKICH, James ZARAKAS
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Patent number: 11625715Abstract: A dynamic transaction card including: one or more light emitting elements; a transceiver; and an embedded microprocessor configured to: receive, from a transaction terminal, a location information corresponding to a current location of the transaction terminal; wirelessly transmit, via the transceiver and to a mobile device, the location information; receive an indication that a location-specific security concern exists; and in response to receiving the indication, control the one or more light emitting elements to display a visual indication corresponding to the location-specific security concern.Type: GrantFiled: July 2, 2020Date of Patent: April 11, 2023Assignee: CAPITAL ONE SERVICES, LLCInventors: Molly Johnson, Adam Vukich, James Zarakas
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Patent number: 11625992Abstract: Disclosed herein are system, method, and apparatus for detecting a skimmer via a vibration sensor on a transaction card. The method includes receiving, at a server, from a user equipment, vibration information recorded by a transaction card in response to an execution of a transaction at a point-of-service (POS) terminal of a plurality of POS terminals using the transaction card. The vibration information may be recorded by a microphone or an accelerometer on the transaction card while the transaction card is swiped through the POS terminal or inserted into or removed from the POS terminal. The method includes determining, at the server, a state of the POS terminal based on the received vibration information and in response to a determination of the state of the POS being compromised, sending to one or more stakeholders of the transaction a warning message containing the POS terminal information including the POS terminal's state.Type: GrantFiled: July 22, 2020Date of Patent: April 11, 2023Assignee: Capital One Services, LLCInventors: Molly Johnson, Adam Vukich, James Zarakas
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Publication number: 20230105532Abstract: A device receives first transaction information associated with a first transaction, and a first transaction account utilized for the first transaction and associated with a first financial institution. The device determines, based on a fraud model, that the first transaction is to be denied due to potential fraud associated with the first transaction account and receives second transaction information associated with a second transaction, and a second transaction account utilized for the second transaction and associated with a second financial institution. The device processes the first transaction information and the second transaction information, with a matching model, to determine whether the first transaction information matches the second transaction information and determines that the first transaction was incorrectly denied when the first transaction information matches the second transaction information within a predetermined threshold.Type: ApplicationFiled: December 9, 2022Publication date: April 6, 2023Inventors: Colin HART, Joshua EDWARDS, Francisco PEREZLEON, Molly JOHNSON, Kaitlin NEWMAN, Angelina WU, Jason JI
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Publication number: 20230078500Abstract: 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: ApplicationFiled: November 18, 2022Publication date: March 16, 2023Inventors: Adam KOEPPEL, James ZARAKAS, Molly JOHNSON, Tyler LOCKE
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Patent number: 11580343Abstract: 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: GrantFiled: August 30, 2021Date of Patent: February 14, 2023Assignee: Capital One Services, LLCInventors: Adam R. Koeppel, Molly Johnson, Tyler Locke, James Zarakas
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Publication number: 20230031947Abstract: 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: ApplicationFiled: October 6, 2022Publication date: February 2, 2023Applicant: CAPITAL ONE SERVICES, LLCInventors: Adam R. KOEPPEL, James Zarakas, Molly Johnson, Tyler Locke, Rajko Ilincic, Kevan Emmott
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Patent number: 11556917Abstract: A multi-function transaction card may include a card body having dimensions that are in accordance with a standard for transaction cards, an output device on the card body, and a secure element within the card body. The multi-function transaction card may pair, via a wireless connection, the multi-function transaction card with a terminal. The multi-function transaction card may receive, from the terminal, information associated with a transaction. The multi-function transaction card may generate, based on the information associated with the transaction, and using a cryptographic key, an authorization request cryptogram (ARQC), wherein the cryptographic key is stored in the secure element. The multi-function transaction card may generate, based on the ARQC, a machine-readable code. The multi-function transaction card may display, using the output device, the machine-readable code.Type: GrantFiled: October 8, 2020Date of Patent: January 17, 2023Assignee: Capital One Services, LLCInventors: Molly Johnson, James Zarakas, Adam Vukich
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Patent number: 11538037Abstract: A device receives first transaction information associated with a first transaction, and a first transaction account utilized for the first transaction and associated with a first financial institution. The device determines, based on a fraud model, that the first transaction is to be denied due to potential fraud associated with the first transaction account and receives second transaction information associated with a second transaction, and a second transaction account utilized for the second transaction and associated with a second financial institution. The device processes the first transaction information and the second transaction information, with a matching model, to determine whether the first transaction information matches the second transaction information and determines that the first transaction was incorrectly denied when the first transaction information matches the second transaction information within a predetermined threshold.Type: GrantFiled: May 29, 2020Date of Patent: December 27, 2022Assignee: Capital One Services, LLCInventors: Colin Hart, Joshua Edwards, Francisco Perezleon, Molly Johnson, Kaitlin Newman, Angelina Wu, Jason Ji
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Publication number: 20220391653Abstract: In some embodiments, a smart card may include a substrate with a first side and a second side. A first protective layer covers the first side and a second protective layer covers the second side of the substrate. Circuitry held in the substrate includes electronic interconnects for interconnecting circuitry elements. The circuitry elements include a processor, power circuitry for powering the circuitry elements, and an environmental detection sensor for respectively detecting a predetermined environmental parameter. The processor is configured to receive an output from the environmental detection sensor, to determine from the output that the environmental detection sensor detected an environmental alert trigger condition, and to generate an alert that is representative of the environmental alert trigger condition. The protective layers include pores in a region proximate to the environmental detection sensor for exposing the environmental detection sensor to an environment around the smart card.Type: ApplicationFiled: February 24, 2022Publication date: December 8, 2022Inventors: James Zarakas, Molly Johnson, Adam Vukich