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).
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Publication number: 20240144239Abstract: 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: ApplicationFiled: January 8, 2024Publication date: May 2, 2024Inventors: Jeffrey Rule, Kaitlin J. Newman, Wayne David Lutz, Kevin Grant Osborn, Paul Moreton
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Publication number: 20240015242Abstract: 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: ApplicationFiled: July 12, 2023Publication date: January 11, 2024Inventors: Jeffrey RULE, Paul MORETON, Wayne LUTZ
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Patent number: 11868988Abstract: 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: GrantFiled: May 1, 2023Date of Patent: January 9, 2024Assignee: CAPITAL ONE SERVICES, LLCInventors: Jeffrey Rule, Kaitlin J. Newman, Wayne David Lutz, Kevin Grant Osborn, Paul Moreton
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Publication number: 20230418975Abstract: 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: ApplicationFiled: September 5, 2023Publication date: December 28, 2023Inventors: Jeffrey RULE, Wayne LUTZ, Paul MORETON, Kevin OSBORN
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Publication number: 20230396617Abstract: 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: ApplicationFiled: August 22, 2023Publication date: December 7, 2023Applicant: Capital One Services, LLCInventors: Paul MORETON, Jeffrey RULE
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Patent number: 11810099Abstract: 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: GrantFiled: December 7, 2020Date of Patent: November 7, 2023Assignee: Capital One Services, LLCInventors: Lawrence Douglas, Paul Moreton
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Publication number: 20230351366Abstract: 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: ApplicationFiled: July 6, 2023Publication date: November 2, 2023Applicant: Capital One Services, LLCInventors: Jeffrey RULE, Wayne LUTZ, Paul MORETON
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Patent number: 11797710Abstract: 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: GrantFiled: November 22, 2022Date of Patent: October 24, 2023Assignee: CAPITAL ONE SERVICES, LLCInventors: Jeffrey Rule, Wayne Lutz, Paul Moreton, Kevin Osborn
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Patent number: 11777933Abstract: 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: GrantFiled: February 3, 2021Date of Patent: October 3, 2023Assignee: Capital One Services, LLCInventors: Paul Moreton, Jeffrey Rule
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Publication number: 20230274257Abstract: Systems, methods, articles of manufacture, and computer-readable media. A communications interface may receive an indication that a server preauthorized a transaction. The communications interface may receive, from a point of sale device, an indication to pay for the transaction. The contactless card may determine, based on rules stored in the memory, that the location of the mobile device is within one or more locations the contactless card is permitted for use. The contactless card may generate transaction data comprising: indications of an account number and an expiration date of the contactless card, and the indication of the preauthorization. The contactless card may transmit the transaction data to the POS device as payment for the transaction. The server may authorize payment for the transaction using at least a portion of the transaction data based at least in part on identifying the indication of the preauthorization in the transaction data.Type: ApplicationFiled: May 10, 2023Publication date: August 31, 2023Applicant: Capital One Services, LLCInventors: Jeffrey RULE, Paul MORETON, Wayne LUTZ
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Patent number: 11743370Abstract: 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: GrantFiled: September 16, 2021Date of Patent: August 29, 2023Assignee: CAPITAL ONE SERVICES, LLCInventors: Jeffrey Rule, Paul Moreton, Wayne Lutz
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Publication number: 20230267447Abstract: 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: ApplicationFiled: May 1, 2023Publication date: August 24, 2023Inventors: Jeffrey Rule, Kaitlin J. Newman, Wayne David Lutz, Kevin Grant Osborn, Paul Moreton
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Publication number: 20230269243Abstract: 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: ApplicationFiled: May 2, 2023Publication date: August 24, 2023Applicant: Capital One Services, LLCInventors: Matthew de Ganon, Junal Arora, Thomas Poole, Daniel Kahn, Dwij Trivedi, Paul Moreton
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Publication number: 20230252454Abstract: 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: ApplicationFiled: April 18, 2023Publication date: August 10, 2023Applicant: Capital One Services, LLCInventors: Lawrence DOUGLAS, Paul MORETON
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Publication number: 20230224297Abstract: Various embodiments are generally directed to performing an authentication persistence check and, based on the check, allowing a previously successful authentication to persist on a user apparatus. The check may involve a stability check on the user apparatus. If the user apparatus is stable, device fingerprinting on the apparatus may be performed, the result of which may be compared to a snapshot of apparatus taken at the time of successful authentication. If the comparison reveals changes or drifts that are within a predetermined threshold, then the persistence of the authentication is allowed.Type: ApplicationFiled: March 22, 2023Publication date: July 13, 2023Applicant: Capital One Services, LLCInventors: Jeffrey RULE, Paul MORETON, Thomas POOLE
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Publication number: 20230222485Abstract: 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: ApplicationFiled: March 23, 2023Publication date: July 13, 2023Applicant: Capital One Services, LLCInventors: Jeffrey RULE, Wayne LUTZ, Paul MORETON
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Patent number: 11694187Abstract: Systems, methods, articles of manufacture, and computer-readable media. A communications interface may receive an indication that a server preauthorized a transaction. The communications interface may receive, from a point of sale device, an indication to pay for the transaction. The contactless card may determine, based on rules stored in the memory, that the location of the mobile device is within one or more locations the contactless card is permitted for use. The contactless card may generate transaction data comprising: indications of an account number and an expiration date of the contactless card, and the indication of the preauthorization. The contactless card may transmit the transaction data to the POS device as payment for the transaction. The server may authorize payment for the transaction using at least a portion of the transaction data based at least in part on identifying the indication of the preauthorization in the transaction data.Type: GrantFiled: July 3, 2019Date of Patent: July 4, 2023Assignee: Capital One Services, LLCInventors: Jeffrey Rule, Paul Moreton, Wayne Lutz
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Patent number: 11682001Abstract: 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: GrantFiled: October 5, 2022Date of Patent: June 20, 2023Assignee: CAPITAL ONE SERVICES, LLCInventors: Jeffrey Rule, Kaitlin J. Newman, Wayne David Lutz, Kevin Grant Osborn, Paul Moreton
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Patent number: 11677737Abstract: 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: GrantFiled: July 6, 2021Date of Patent: June 13, 2023Assignee: Capital One Services LLCInventors: Matthew de Ganon, Kunal Arora, Thomas Poole, Daniel Kahn, Dwij Trivedi, Paul Moreton
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Publication number: 20230169596Abstract: Disclosed are a computing apparatus, a computer-readable storage medium, a system and a method that enable authentication of a claim request. An insurance provider application receive a claim request message related to an insured object. Encrypted information enabling authentication may be obtained from a user identifier apparatus of the user associated with the insured object. The information may include a reference link to an authentication application and multiple parameters. State information related to insured object and a mobile device associated with the insured object may be retrieved. The user of the insured object may be authenticated based on one or more of the multiple parameters by the authentication application. Confirmation that the retrieved state information corresponds to the insured object may be received. Based on an evaluation of the confirmation and a response to the request for authentication, processing of the claim request message may proceed.Type: ApplicationFiled: November 30, 2021Publication date: June 1, 2023Applicant: Capital One Services, LLCInventors: Jeffrey RULE, Paul MORETON