Patents by Inventor Paul Moreton

Paul Moreton 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: 12260393
    Abstract: A card having an antenna, one or processors, and memory having stored thereon a first application and a second application configured to receive an input of the card and determine a request associated with the input. The card is further configured to activate, responsive to determining that the request is consistent with a contactless EuroPay-MasterCard-Visa (EMV) data standard, the first application. The first application is configured to communicate, via near field communication (NFC), data to the communicating device via the antenna based on the EMV data standard for payment purposes. The card is further configured to activate, responsive to determining that the request is consistent with a near field communication data exchange format (NDEF) standard, the second application. The second application is configured to communicate, via NFC, data to the communicating device via the antenna based on the NDEF standard for verification/identification purposes.
    Type: Grant
    Filed: October 21, 2024
    Date of Patent: March 25, 2025
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Jeffrey Rule, Kaitlin J. Newman, Wayne David Lutz, Kevin Grant Osborn, Paul Moreton
  • Patent number: 12261960
    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.
    Type: Grant
    Filed: June 21, 2022
    Date of Patent: March 25, 2025
    Assignee: Capital One Services, LLC
    Inventors: Kevin Osborn, Jeffrey Rule, Paul Moreton, William Duane, Colin Hart, Kaitlin Newman, Lara Mossler, Daniel Herrington, Srinivasa Chigurupati, Ian Prince, Wayne Lutz
  • Publication number: 20250045729
    Abstract: A card having an antenna, one or processors, and memory having stored thereon a first application and a second application configured to receive an input of the card and determine a request associated with the input. The card is further configured to activate, responsive to determining that the request is consistent with a contactless EuroPay-MasterCard-Visa (EMV) data standard, the first application. The first application is configured to communicate, via near field communication (NFC), data to the communicating device via the antenna based on the EMV data standard for payment purposes. The card is further configured to activate, responsive to determining that the request is consistent with a near field communication data exchange format (NDEF) standard, the second application. The second application is configured to communicate, via NFC, data to the communicating device via the antenna based on the NDEF standard for verification/identification purposes.
    Type: Application
    Filed: October 21, 2024
    Publication date: February 6, 2025
    Inventors: Jeffrey Rule, Kaitlin J. Newman, Wayne David Lutz, Kevin Grant Osborn, Paul Moreton
  • Publication number: 20250047652
    Abstract: Methods and systems for a browser extension system are disclosed. In some embodiments, a browser extension server includes a communication device configured to communicate with a first computing device executing a browser extension application and a web browser application and a second computing device executing an authentication application. The browser extension server further includes a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include receiving from the first computing device an indication of a financial service account associated with the first computing device, detecting a payment field in a web page provided by the computing device through the web browser application and, in response, generating a secure token mapped to the financial service account.
    Type: Application
    Filed: August 20, 2024
    Publication date: February 6, 2025
    Applicant: Capital One Services, LLC
    Inventors: Matthew de Ganon, Kunal Arora, Thomas Poole, Daniel Kahn, Dwij Trivedi, Paul Moreton
  • Publication number: 20250021963
    Abstract: A device may receive a uniform resource locator (URL) and encrypted data. The device may download a first application from an application server based on the URL. The device may download and execute the first application. The first application may receive the encrypted data.
    Type: Application
    Filed: July 25, 2024
    Publication date: January 16, 2025
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey RULE, Wayne LUTZ, Paul MORETON
  • Publication number: 20240420151
    Abstract: A processor of a computing device may receive, from a contactless card, a uniform resource locator (URL) and a cryptogram. An operating system (OS) executing on the processor may open an application based on the URL. The application may transmit the cryptogram to an authentication server. The application may receive, based on the server verifying the cryptogram, an account number. The application may store the account number in a memory of the device.
    Type: Application
    Filed: August 26, 2024
    Publication date: December 19, 2024
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey RULE, Paul MORETON, Wayne LUTZ, Jason JI
  • Publication number: 20240405996
    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.
    Type: Application
    Filed: July 29, 2024
    Publication date: December 5, 2024
    Inventors: Kevin OSBORN, Jeffrey RULE, Paul MORETON, William DUANE, Colin HART, Kaitlin NEWMAN, Lara MOSSLER, Daniel HERRINGTON, Srinivasa CHIGURUPATI, Ian PRINCE, Wayne LUTZ
  • Patent number: 12125021
    Abstract: A card having an antenna, one or processors, and memory having stored thereon a first application and a second application configured to receive an input of the card and determine a request associated with the input. The card is further configured to activate, responsive to determining that the request is consistent with a contactless EuroPay-MasterCard-Visa (EMV) data standard, the first application. The first application is configured to communicate, via near field communication (NFC), data to the communicating device via the antenna based on the EMV data standard for payment purposes. The card is further configured to activate, responsive to determining that the request is consistent with a near field communication data exchange format (NDEF) standard, the second application. The second application is configured to communicate, via NFC, data to the communicating device via the antenna based on the NDEF standard for verification/identification purposes.
    Type: Grant
    Filed: January 8, 2024
    Date of Patent: October 22, 2024
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Jeffrey Rule, Kaitlin J. Newman, Wayne David Lutz, Kevin Grant Osborn, Paul Moreton
  • Publication number: 20240320656
    Abstract: Disclosed embodiments include methods, systems, and computer-readable media configured to provide wearable devices storing tokens associated with digital versions of physical documents/cards. The wearable devices may further transfer tokens securely to interested parties without Bluetooth® or other network connectivity beyond NFC radio. In some embodiments, a token vault operator system may receive a request to establish a token vault account for a user, authenticate an identity of the user based at least on the received request, and generating a token vault ID associated with the user. The token vault operator system may further configure access to data sets generated for and associated with the token vault ID, generate tokens associated with the token vault ID, each token corresponding to one of the one or more data sets, and provide the generated plurality of tokens associated with the token vault ID to at least one user device.
    Type: Application
    Filed: May 31, 2024
    Publication date: September 26, 2024
    Applicant: Capital One Services, LLC
    Inventors: Lawrence DOUGLAS, Paul MORETON
  • Patent number: 12069037
    Abstract: Methods and systems for a browser extension system are disclosed. In some embodiments, a browser extension server includes a communication device configured to communicate with a first computing device executing a browser extension application and a web browser application and a second computing device executing an authentication application. The browser extension server further includes a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include receiving from the first computing device an indication of a financial service account associated with the first computing device, detecting a payment field in a web page provided by the computing device through the web browser application and, in response, generating a secure token mapped to the financial service account.
    Type: Grant
    Filed: May 2, 2023
    Date of Patent: August 20, 2024
    Assignee: Capital One Services, LLC
    Inventors: Matthew de Ganon, Kunal Arora, Thomas Poole, Daniel Kahn, Dwij Trivedi, Paul Moreton
  • Patent number: 12056685
    Abstract: A device may receive a uniform resource locator (URL) and encrypted data. The device may download a first application from an application server based on the URL. The device may download and execute the first application. The first application may receive the encrypted data.
    Type: Grant
    Filed: March 23, 2023
    Date of Patent: August 6, 2024
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Wayne Lutz, Paul Moreton
  • Patent number: 12020237
    Abstract: Disclosed embodiments include methods, systems, and computer-readable media configured to provide wearable devices storing tokens associated with digital versions of physical documents/cards. The wearable devices may further transfer tokens securely to interested parties without Bluetooth® or other network connectivity beyond NFC radio. In some embodiments, a token vault operator system may receive a request to establish a token vault account for a user, authenticate an identity of the user based at least on the received request, and generating a token vault ID associated with the user. The token vault operator system may further configure access to data sets generated for and associated with the token vault ID, generate tokens associated with the token vault ID, each token corresponding to one of the one or more data sets, and provide the generated plurality of tokens associated with the token vault ID to at least one user device.
    Type: Grant
    Filed: April 18, 2023
    Date of Patent: June 25, 2024
    Assignee: Capital One Services, LLC
    Inventors: Lawrence Douglas, Paul Moreton
  • Patent number: 12014357
    Abstract: Various embodiments are generally directed to autofilling card data from a contactless card to a form of a computing device. An application may determine that a payment field of a form has received focus. The application may then receive encrypted data from a communications interface of a contactless card associated with an account. The application may then receive, from a server, verification of the encrypted data. The application may then receive, from the server, an encrypted account number associated with the account, and decrypt the encrypted account number to yield the account number. An autofill service of an operating system (OS) executing on the processor circuit, may then autofill the account number to the payment field of the form.
    Type: Grant
    Filed: August 10, 2021
    Date of Patent: June 18, 2024
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Wayne Lutz, Paul Moreton
  • Patent number: 12014356
    Abstract: Various embodiments are generally directed to autofilling card data from a contactless card to a form of a computing device. An application may determine that a payment field of a form has received focus. The application may then receive encrypted data from a communications interface of a contactless card associated with an account. The application may then receive, from a server, verification of the encrypted data. The application may then receive, from the server, an encrypted account number associated with the account, and decrypt the encrypted account number to yield the account number. An autofill service of an operating system (OS) executing on the processor circuit, may then autofill the account number to the payment field of the form.
    Type: Grant
    Filed: May 17, 2021
    Date of Patent: June 18, 2024
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Wayne Lutz, Paul Moreton
  • Publication number: 20240144239
    Abstract: A card having an antenna, one or processors, and memory having stored thereon a first application and a second application configured to receive an input of the card and determine a request associated with the input. The card is further configured to activate, responsive to determining that the request is consistent with a contactless EuroPay-MasterCard-Visa (EMV) data standard, the first application. The first application is configured to communicate, via near field communication (NFC), data to the communicating device via the antenna based on the EMV data standard for payment purposes. The card is further configured to activate, responsive to determining that the request is consistent with a near field communication data exchange format (NDEF) standard, the second application. The second application is configured to communicate, via NFC, data to the communicating device via the antenna based on the NDEF standard for verification/identification purposes.
    Type: Application
    Filed: January 8, 2024
    Publication date: May 2, 2024
    Inventors: Jeffrey Rule, Kaitlin J. Newman, Wayne David Lutz, Kevin Grant Osborn, Paul Moreton
  • Publication number: 20240015242
    Abstract: An exemplary system, method, and computer-accessible medium can include, for example, storing on a first device a digital tag, the tag configured to be associated with at least one application on a second device, such that receipt of the tag on the second device launches the application on the second device; and emitting from the first device to a second device the digital tag; wherein the application on the second device is configured to launch in a special state when the second device is in at least one state from a pre-determined list of states.
    Type: Application
    Filed: July 12, 2023
    Publication date: January 11, 2024
    Inventors: Jeffrey RULE, Paul MORETON, Wayne LUTZ
  • Patent number: 11868988
    Abstract: A card having an antenna, one or processors, and memory having stored thereon a first application and a second application configured to receive an input of the card and determine a request associated with the input. The card is further configured to activate, responsive to determining that the request is consistent with a contactless EuroPay-MasterCard-Visa (EMV) data standard, the first application. The first application is configured to communicate, via near field communication (NFC), data to the communicating device via the antenna based on the EMV data standard for payment purposes. The card is further configured to activate, responsive to determining that the request is consistent with a near field communication data exchange format (NDEF) standard, the second application. The second application is configured to communicate, via NFC, data to the communicating device via the antenna based on the NDEF standard for verification/identification purposes.
    Type: Grant
    Filed: May 1, 2023
    Date of Patent: January 9, 2024
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Jeffrey Rule, Kaitlin J. Newman, Wayne David Lutz, Kevin Grant Osborn, Paul Moreton
  • Publication number: 20230418975
    Abstract: Embodiments of a smart card and systems and methods for secure data access using a smart card are described. The smart card may be formed a substrate and may include a microprocessor, a memory containing an applet, a counter, and a unique identifier. The smart card may dynamically generate a unique uniform resource location (URL) and transmit the URL to via a contactless communication interface to securely facilitate data access from other devices.
    Type: Application
    Filed: September 5, 2023
    Publication date: December 28, 2023
    Inventors: Jeffrey RULE, Wayne LUTZ, Paul MORETON, Kevin OSBORN
  • Publication number: 20230396617
    Abstract: Systems, methods, articles of manufacture for authentication of payment cards. A server may assign, in a database, an expected card identifier to a contactless card, the contactless card associated with an account. The server may receive, from a client device, a request comprising a uniform resource locator (URL), a parameter of the URL comprising a card identifier, wherein the URL is transmitted by the contactless card to the client device. The server may extract the card identifier from the URL and compare the extracted card identifier to the expected card identifier in the database. The server may determine, based on the comparison, that the extracted card identifier matches the expected card identifier. The server may authenticate the request based on the extracted card identifier matching the expected card identifier, and transmit, to the client device, an indication specifying that the request was authenticated.
    Type: Application
    Filed: August 22, 2023
    Publication date: December 7, 2023
    Applicant: Capital One Services, LLC
    Inventors: Paul MORETON, Jeffrey RULE
  • Patent number: 11810099
    Abstract: Disclosed embodiments include methods, systems, and computer-readable media configured to, for example, provide payment tokens for conducting transactions, as well as reprovisioning tokens, on wearable devices without Bluetooth® or other network connectivity beyond NFC radio.
    Type: Grant
    Filed: December 7, 2020
    Date of Patent: November 7, 2023
    Assignee: Capital One Services, LLC
    Inventors: Lawrence Douglas, Paul Moreton