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).

  • Publication number: 20220247741
    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: February 3, 2021
    Publication date: August 4, 2022
    Applicant: Capital One Services, LLC
    Inventors: Paul MORETON, Jeffrey RULE
  • Patent number: 11397941
    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: April 14, 2020
    Date of Patent: July 26, 2022
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Jeffrey Rule, Kaitlin J. Newman, Wayne David Lutz, Kevin Grant Osborn, Paul Moreton
  • Publication number: 20220188824
    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: March 2, 2022
    Publication date: June 16, 2022
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey RULE, Paul MORETON, Wayne LUTZ, Jason JI
  • Publication number: 20220188808
    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: Application
    Filed: March 2, 2022
    Publication date: June 16, 2022
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey RULE, Wayne LUTZ, Paul MORETON
  • Patent number: 11257062
    Abstract: The disclosed embodiments include a mobile client device for automatically performing a mobile financial service function, including a memory storing software instructions, the software instructions including a mobile financial service application configured to perform financial service processes. The system may also include and one or more processors configured to execute the software instructions to detect a physical action performed on the mobile client device, and determine a first financial service function to perform based on the detected physical action, wherein the first financial service function is a function provided by the mobile financial service application. The one or more processors may also determine whether verification of a user is required, verify the user if verification of the user is required, and automatically initiate the first financial service function.
    Type: Grant
    Filed: June 24, 2020
    Date of Patent: February 22, 2022
    Assignee: Capital One Services, LLC
    Inventors: Lawrence Douglas, Paul Moreton
  • Publication number: 20210365929
    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: Application
    Filed: August 10, 2021
    Publication date: November 25, 2021
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey RULE, Wayne LUTZ, Paul MORETON
  • Publication number: 20210357941
    Abstract: An exemplary system, method, and computer-accessible medium can include receiving financial information related to a transaction(s) at a first merchant, where the transaction(s) can be based on a financial instrument that can be associated with a second merchant, and where the first merchant can be different than the second merchant, declining the transaction(s), and determining a breach at the second merchant based on the transaction(s). The financial instrument can be a virtual credit card number. The virtual credit card number can be bound to the second merchant. A further transaction(s) can be received at (i) the first merchant or a (ii) third merchant, where the further transaction(s) can be based on (i) the financial instrument or (ii) a further financial instrument that can be associated with the second merchant, and where the third merchant can be different than the second merchant and the first merchant.
    Type: Application
    Filed: May 12, 2020
    Publication date: November 18, 2021
    Inventors: Paul FORT, Andrew MARR, Dean CHEN, Paul MORETON, Matthew REEDY, John GILLING
  • Publication number: 20210350372
    Abstract: A web browser may output a form comprising a payment field. A URL may be received from a communications interface of a contactless card, the URL comprising encrypted data generated by the contactless card based on a private key stored in a memory of the contactless card. An application may transmit the encrypted data to an authentication server, which may decrypt the encrypted data based on the private key. The application may receive, from a virtual account number server, a virtual account number. The application may receive an expiration date and a CVV. The application may copy the virtual account number to a clipboard of an OS. The OS may paste the virtual account number from the clipboard to the payment field of the form in the web browser. The OS may output a notification comprising the expiration date and the CVV associated with the virtual account number.
    Type: Application
    Filed: July 22, 2021
    Publication date: November 11, 2021
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey RULE, Paul MORETON, Wayne LUTZ, Jason JI
  • Publication number: 20210342821
    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: Application
    Filed: May 17, 2021
    Publication date: November 4, 2021
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey RULE, Wayne LUTZ, Paul MORETON
  • Publication number: 20210336941
    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.
    Type: Application
    Filed: July 6, 2021
    Publication date: October 28, 2021
    Applicant: Capital One Services LLC
    Inventors: Matthew de Ganon, Kunal Arora, Thomas Poole, Daniel Kahn, Dwij Trivedi, Paul Moreton
  • Patent number: 11153428
    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: Grant
    Filed: March 2, 2020
    Date of Patent: October 19, 2021
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Jeffrey Rule, Paul Moreton, Wayne Lutz
  • Patent number: 11120453
    Abstract: A web browser may output a form comprising a payment field. A URL may be received from a communications interface of a contactless card, the URL comprising encrypted data generated by the contactless card based on a private key stored in a memory of the contactless card. An application may transmit the encrypted data to an authentication server, which may decrypt the encrypted data based on the private key. The application may receive, from a virtual account number server, a virtual account number. The application may receive an expiration date and a CVV. The application may copy the virtual account number to a clipboard of an OS. The OS may paste the virtual account number from the clipboard to the payment field of the form in the web browser. The OS may output a notification comprising the expiration date and the CVV associated with the virtual account number.
    Type: Grant
    Filed: February 1, 2019
    Date of Patent: September 14, 2021
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Paul Moreton, Wayne Lutz, Jason Ji
  • Publication number: 20210274032
    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: March 2, 2020
    Publication date: September 2, 2021
    Inventors: Jeffrey RULE, Paul MORETON, Wayne LUTZ
  • Publication number: 20210248593
    Abstract: Systems and methods are provided for generating and managing dynamic customized electronic tokens for electronic device interactions. A system for transferring data between a user device associated with a user and a remote device may include a memory storing instructions and a processor configured to execute the stored instructions. The stored instructions may configure the processor to receive, via a network, transaction information from the remote device, access information associated with an electronic token, and provide the electronic token to the remote device. The electronic token may be associated with at least one of the user or the user device, and a token server may generate the electronic token based on the received transaction information, and determine one or more expiration parameters for the electronic token.
    Type: Application
    Filed: April 28, 2021
    Publication date: August 12, 2021
    Applicant: Capital One Services, LLC
    Inventors: Paul MORETON, Matthew DE GANON, Thomas POOLE
  • Patent number: 11089003
    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: June 11, 2020
    Date of Patent: August 10, 2021
    Assignee: Capital One Services, LLC
    Inventors: Matthew de Ganon, Kunal Arora, Thomas Poole, Daniel Kahn, Dwij Trivedi, Paul Moreton
  • Publication number: 20210185049
    Abstract: Systems and methods are provided for managing electronic tokens associated with an account. A system may include a memory storing instructions and account information associated with an account, and a processor configured to executed the stored instructions to: access information associated with one or more electronic tokens associated with the account, wherein the information includes one or more token settings, receive, via a network, information for a transaction request including a first token; analyze the received information to determine whether at least one rule in the one or more token settings is violated, responsive to a determination that at least one rule is violated, transmit an indication that the transaction request is denied, and responsive to a determination that no rules are violated, detokenize the transaction request.
    Type: Application
    Filed: February 26, 2021
    Publication date: June 17, 2021
    Applicant: Capital One Services, LLC
    Inventors: PAUL MORETON, LAWRENCE DOUGLAS, THOMAS POOLE, THOMAS CHRISTOPHER CLARKE, SAEJIN CHOI
  • Patent number: 11037136
    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: January 24, 2019
    Date of Patent: June 15, 2021
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Wayne Lutz, Paul Moreton
  • Publication number: 20210174336
    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: Application
    Filed: December 7, 2020
    Publication date: June 10, 2021
    Applicant: Capital One Services, LLC
    Inventors: Lawrence Douglas, Paul Moreton
  • Publication number: 20210158334
    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: February 5, 2021
    Publication date: May 27, 2021
    Applicant: Capital One Services, LLC
    Inventors: LAWRENCE DOUGLAS, PAUL MORETON
  • Patent number: 10965682
    Abstract: Systems and methods are provided for managing electronic tokens associated with an account. A system may include a memory storing instructions and account information associated with an account, and a processor configured to executed the stored instructions to: access information associated with one or more electronic tokens associated with the account, wherein the information includes one or more token settings, receive, via a network, information for a transaction request including a first token; analyze the received information to determine whether at least one rule in the one or more token settings is violated, responsive to a determination that at least one rule is violated, transmit an indication that the transaction request is denied, and responsive to a determination that no rules are violated, detokenize the transaction request.
    Type: Grant
    Filed: April 19, 2017
    Date of Patent: March 30, 2021
    Assignee: Capital One Services, LLC.
    Inventors: Paul Moreton, Lawrence Douglas, Thomas Poole, Thomas Christopher Clarke, Saejin Choi