Patents by Inventor Paul Y. Moreton
Paul Y. 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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Patent number: 10812472Abstract: The present disclosure relates to systems and methods for implementing tiered authentication using position based credentials. In one implementation, a system for associating two user interface devices to provide position-based authentication for a user may include one or more memories storing instructions and one or more processors configured to execute the instructions to perform operations. The operations may include receiving a first identity associated with a first user interface device, receiving a second identity associated with a second user interface device, receiving credentials associated with the user, receiving a distance threshold, and establishing a credentialing association between the first identity and the second identity based on the credentials and the distance threshold.Type: GrantFiled: May 28, 2019Date of Patent: October 20, 2020Assignee: Capital One Services, LLCInventors: Paul Y. Moreton, Ryan Fox, Matthew Thompson
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Patent number: 10733592Abstract: 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: GrantFiled: December 28, 2016Date of Patent: August 4, 2020Assignee: Capital One Services, LLCInventors: Lawrence Douglas, Paul Y Moreton
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Patent number: 10706422Abstract: Systems and methods are provided for authenticating mobile payments from a customer account to a merchant. The systems and methods may include a financial service provider receiving a request to authorize an electronic transaction at a point-of-sale. A financial service provider server computer may verify that the customer is present at the point-of-sale using received location data. An image having distorted text such as a captcha may be transmitted to a device at the point-of-sale, and the customer may read the captcha aloud. A voice sample of the customer may be sent to the financial service provider for comparison to stored voice recordings, to verify that the customer's voice sample is authentic if the voice matches a previously generated voice recording for the account. If the voice sample is authentic, the financial service provider may authorize the mobile payment.Type: GrantFiled: December 19, 2018Date of Patent: July 7, 2020Assignee: Capital One Services, LLCInventors: Lawrence Douglas, Paul Y. Moreton
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Publication number: 20200074453Abstract: 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: ApplicationFiled: November 5, 2019Publication date: March 5, 2020Applicant: Capital One Services, LLCInventors: Paul Y Moreton, Matthew de Ganon, Thomas S Poole
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Patent number: 10482456Abstract: 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: GrantFiled: October 3, 2018Date of Patent: November 19, 2019Assignee: Capital One Services, LLCInventors: Paul Y Moreton, Matthew de Ganon, Thomas S Poole
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Patent number: 10423959Abstract: Systems and methods are provided for authenticating mobile payments from a customer account to a merchant. The systems and methods may include a financial service provider receiving a request to authorize an electronic transaction at a point-of-sale. A financial service provider server computer may verify that the customer is present at the point-of-sale using received location data. An image having distorted text such as a captcha may be transmitted to a device at the point-of-sale, and the customer may read the captcha aloud. A voice sample of the customer may be sent to the financial service provider for comparison to stored voice recordings, to verify that the customer's voice sample is authentic if the voice matches a previously generated voice recording for the account. If the voice sample is authentic, the financial service provider may authorize the mobile payment.Type: GrantFiled: December 18, 2017Date of Patent: September 24, 2019Assignee: Capital One Services, LLCInventors: Lawrence Douglas, Paul Y. Moreton
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Publication number: 20190281458Abstract: The present disclosure relates to systems and methods for implementing tiered authentication using position based credentials. In one implementation, a system for associating two user interface devices to provide position-based authentication for a user may include one or more memories storing instructions and one or more processors configured to execute the instructions to perform operations. The operations may include receiving a first identity associated with a first user interface device, receiving a second identity associated with a second user interface device, receiving credentials associated with the user, receiving a distance threshold, and establishing a credentialing association between the first identity and the second identity based on the credentials and the distance threshold.Type: ApplicationFiled: May 28, 2019Publication date: September 12, 2019Applicant: Capital One Services, LLCInventors: Paul Y. Moreton, Ryan Fox, Matthew Thompson
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Patent number: 10349275Abstract: The present disclosure relates to systems and methods for implementing tiered authentication using position based credentials. In one implementation, a system for associating two user interface devices to provide position-based authentication for a user may include one or more memories storing instructions and one or more processors configured to execute the instructions to perform operations. The operations may include receiving a first identity associated with a first user interface device, receiving a second identity associated with a second user interface device, receiving credentials associated with the user, receiving a distance threshold, and establishing a credentialing association between the first identity and the second identity based on the credentials and the distance threshold.Type: GrantFiled: January 16, 2018Date of Patent: July 9, 2019Assignee: CAPITAL ONE SERVICES, LLCInventors: Paul Y Moreton, Ryan Fox, Matthew Thompson
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Publication number: 20190141528Abstract: The present disclosure relates to systems and methods for implementing tiered authentication using position based credentials. In one implementation, a system for associating two user interface devices to provide position-based authentication for a user may include one or more memories storing instructions and one or more processors configured to execute the instructions to perform operations. The operations may include receiving a first identity associated with a first user interface device, receiving a second identity associated with a second user interface device, receiving credentials associated with the user, receiving a distance threshold, and establishing a credentialing association between the first identity and the second identity based on the credentials and the distance threshold.Type: ApplicationFiled: January 16, 2018Publication date: May 9, 2019Inventors: Paul Y. Moreton, Ryan Fox, Matthew Thompson
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Publication number: 20190122221Abstract: Systems and methods are provided for authenticating mobile payments from a customer account to a merchant. The systems and methods may include a financial service provider receiving a request to authorize an electronic transaction at a point-of-sale. A financial service provider server computer may verify that the customer is present at the point-of-sale using received location data. An image having distorted text such as a captcha may be transmitted to a device at the point-of-sale, and the customer may read the captcha aloud. A voice sample of the customer may be sent to the financial service provider for comparison to stored voice recordings, to verify that the customer's voice sample is authentic if the voice matches a previously generated voice recording for the account. If the voice sample is authentic, the financial service provider may authorize the mobile payment.Type: ApplicationFiled: December 19, 2018Publication date: April 25, 2019Applicant: CAPITAL ONE SERVICES, LLCInventors: Lawrence Douglas, Paul Y. Moreton
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Publication number: 20190034918Abstract: 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: ApplicationFiled: October 3, 2018Publication date: January 31, 2019Applicant: Capital One Services, LLCInventors: Paul Y. Moreton, Matthew de Ganon, Thomas S. Poole
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Patent number: 10192219Abstract: Systems and methods are provided for authenticating mobile payments from a customer account to a merchant. The systems and methods may include a financial service provider receiving a request to authorize an electronic transaction at a point-of-sale. A financial service provider server computer may verify that the customer is present at the point-of-sale using received location data. An image having distorted text such as a captcha may be transmitted to a device at the point-of-sale, and the customer may read the captcha aloud. A voice sample of the customer may be sent to the financial service provider for comparison to stored voice recordings, to verify that the customer's voice sample is authentic if the voice matches a previously generated voice recording for the account. If the voice sample is authentic, the financial service provider may authorize the mobile payment.Type: GrantFiled: January 8, 2015Date of Patent: January 29, 2019Assignee: Capital One Services, LLCInventors: Lawrence Douglas, Paul Y. Moreton
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Patent number: 10152709Abstract: 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: GrantFiled: September 14, 2017Date of Patent: December 11, 2018Assignee: Capital One Services, LLPInventors: Paul Y Moreton, Matthew de Ganon, Thomas S Poole
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Patent number: 10115104Abstract: 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: GrantFiled: September 8, 2017Date of Patent: October 30, 2018Assignee: Capital One Services, LLCInventors: Paul Y Moreton, Matthew de Ganon, Thomas S Poole
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Patent number: 10075847Abstract: The present disclosure relates to systems and methods for implementing tiered authentication using position-based credentials. A system for authenticating a user with position-based credentials may include one or more memories storing instructions and one or more processors configured to execute the instructions to perform operations. The operations may include receiving a login request associated with the user from a first user interface device; receiving a first location associated with the first user interface device; receiving a second location associated with a second user interface device; when a Lebesgue distance between the first location and the second location is below a first threshold, authenticating the user; when the Lebesgue distance is above the first threshold and below a second, larger threshold, prompting the first interface device for a first credential; and when the Lebesgue distance is above the second threshold, prompting the first interface device for a second credential.Type: GrantFiled: November 8, 2017Date of Patent: September 11, 2018Assignee: CAPITAL ONE SERVICES, LLCInventors: Paul Y Moreton, Ryan Fox, Matthew Thompson
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Publication number: 20180121927Abstract: Systems and methods are provided for authenticating mobile payments from a customer account to a merchant. The systems and methods may include a financial service provider receiving a request to authorize an electronic transaction at a point-of-sale. A financial service provider server computer may verify that the customer is present at the point-of-sale using received location data. An image having distorted text such as a captcha may be transmitted to a device at the point-of-sale, and the customer may read the captcha aloud. A voice sample of the customer may be sent to the financial service provider for comparison to stored voice recordings, to verify that the customer's voice sample is authentic if the voice matches a previously generated voice recording for the account. If the voice sample is authentic, the financial service provider may authorize the mobile payment.Type: ApplicationFiled: December 18, 2017Publication date: May 3, 2018Inventors: Lawrence Douglas, Paul Y. Moreton
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Publication number: 20180075447Abstract: 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: ApplicationFiled: September 8, 2017Publication date: March 15, 2018Inventors: Paul Y. Moreton, Matthew de Ganon, Thomas S. Poole
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Publication number: 20180075260Abstract: 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: ApplicationFiled: September 14, 2017Publication date: March 15, 2018Inventors: Paul Y. Moreton, Matthew de Ganon, Thomas S. Poole
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Publication number: 20180047018Abstract: Methods and systems for providing browser extension are disclosed. In some embodiments, the browser extension system includes a communication device in communication with a computing device and a networked system. The browser extension system also includes a processor configured to perform operations comprising: maintaining data associated with the computing device; detecting, through a browser extension application running on the computing device, a field in a web page associated with the networked system and provided by a web browser application running on the computing device; and in response to detecting the field: (i) automatically populating the field, through the browser extension application, with a secure token mapped to the data, (ii) detecting, through the browser extension application, a submission script associated with the web page, and (iii) automatically executing the submission script to submit the secure token through the browser extension application to the networked system.Type: ApplicationFiled: August 14, 2017Publication date: February 15, 2018Inventors: MATTHEW DE GANON, Thomas S. Poole, Paul Y. Moreton, Dawij Trivedi, Kunal Arora, Kate McHugh
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Publication number: 20180046998Abstract: A networked system includes: a communication device configured to communicate with a computing device executing a browser extension application and a web browser application; a memory storing instructions; and a processor configured to execute the instructions to perform operations comprising: displaying, through the web browser application, a web page on the computing device, the web page being associated with a merchant and including a field requiring population; receiving, through the browser extension application, a secure token mapped to data corresponding to the field, the browser extension application being configured to: (i) detect the field, (ii) automatically populate the field with the secure token sufficient for a financial service provider system to authenticate, (iii) detect a submission script associated with the web page, and (iv) automatically execute the submission script to submit the secure token to the networked system; and transmitting the secure token to the financial service provider sType: ApplicationFiled: August 16, 2017Publication date: February 15, 2018Inventors: Matthew de Ganon, Thomas S. Poole, Paul Y. Moreton, Dwij Trivedi, Kunal Arora, Kate McHugh