Patents by Inventor Rajko Ilincic

Rajko Ilincic 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: 20200364416
    Abstract: Example embodiments of systems and methods for data transmission between a contactless card and a receiving application are provided. The transmitting device may include a processor, memory, and communication interface. A receiving application may include instructions for execution on a receiving device having a processor, a memory, a communication interface configured to create a communication field for data communication with the transmitting device, and one or more sensors. Upon movement of the transmitting device, the receiving application is configured to receive, via one or more sensors, feedback information associated with the transmitting device, display one or more instructions regarding the position of the transmitting device relative to the receiving device until the transmitting device enters the communication field. Upon entry into the communication field, the transmitting device is configured to transmit data to the receiving device.
    Type: Application
    Filed: July 29, 2020
    Publication date: November 19, 2020
    Inventors: Jeffrey RULE, Daniel HERRINGTON, Colin HART, Kevin OSBORN, Melissa HENG, Rajko ILINCIC, Jason JI
  • Publication number: 20200358616
    Abstract: Example embodiments of systems and methods for data transmission between a contactless card, a client device, and one or more servers are provided. The contactless card may include one or more processors and memory, which may include one or more applets. The client device may include one or more processors and memory. The client device may be in data communication with the contactless card. One or more servers may be in data communication with the client device. A first set of information may be transmitted from the contactless card to the client device. The first set of information may include one or more links to activate the contactless card via a designated email program. Upon validation of the first set of information by the one or more servers, the contactless card may be activated.
    Type: Application
    Filed: July 29, 2020
    Publication date: November 12, 2020
    Inventors: Jeffrey RULE, Melissa HENG, Wayne LUTZ, James ASHFIELD, Colin HART, Rajko ILINCIC
  • Patent number: 10832271
    Abstract: Systems, methods, articles of manufacture, and computer-readable media for verified reviews. An application may receive an indication to generate a review. An application programming interface (API) of the application may receive, from a communications interface of a contactless card, encrypted data generated by the contactless card. The API of the application may transmit, to an authentication server: the encrypted data, an indication of the application, and an identifier associated with the entity. The API of the application may receive indications specifying that the authentication server decrypted the encrypted data and determined that the contactless card was used to make a purchase with the entity. The application may permit, based on the indications received from the authentication server, generation of the review. The application may publish the review to one or more review platforms associated with the application.
    Type: Grant
    Filed: July 17, 2019
    Date of Patent: November 10, 2020
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Rajko Ilincic
  • Patent number: 10834251
    Abstract: A system and method are disclosed for training a machine-learning model to detect characteristics of fraudulent calls. The machine-learning model is trained using audio clips, voice recognition, call handler feedback and general public knowledge of commercial risks to detect and divert fraudulent calls, thereby alleviating the burdens otherwise placed on call center service representatives.
    Type: Grant
    Filed: October 15, 2019
    Date of Patent: November 10, 2020
    Assignee: Capital One Services, LLC
    Inventors: Kaitlin Newman, Jeffrey Rule, Rajko Ilincic
  • Publication number: 20200311358
    Abstract: Example embodiments of systems, methods, and devices for transaction card alignment are provided. In one example embodiment, a mobile device may include a first component and a second component foldable with respect to one another between a first configuration and a second configuration. The mobile device may further include a screen interface on an interior side of the first component, and an alignment feature along the interior side, the alignment feature providing alignment for a contactless card with respect to the screen interface, wherein the contactless card is uncovered by the second component in the first configuration and covered by the second component in the second configuration.
    Type: Application
    Filed: September 10, 2019
    Publication date: October 1, 2020
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey RULE, Rajko ILINCIC, Colin HART
  • Publication number: 20200302128
    Abstract: Example embodiments of systems and methods for data transmission between a contactless card and a receiving application are provided. The transmitting device may include a processor, memory, and communication interface. A receiving application may include instructions for execution on a receiving device having a processor, a memory, a communication interface configured to create a communication field for data communication with the transmitting device, and one or more sensors. Upon movement of the transmitting device, the receiving application is configured to receive, via one or more sensors, feedback information associated with the transmitting device, display one or more instructions regarding the position of the transmitting device relative to the receiving device until the transmitting device enters the communication field. Upon entry into the communication field, the transmitting device is configured to transmit data to the receiving device.
    Type: Application
    Filed: October 2, 2019
    Publication date: September 24, 2020
    Inventors: Jeffrey RULE, Daniel HERRINGTON, Colin HART, Kevin OSBORN, Melissa HENG, Rajko ILINCIC, Jason JI
  • Publication number: 20200304542
    Abstract: A system and method are disclosed that leverage multi-factor authentication features of a service provider and intelligent call routing to increase security and efficiency at a customer call center. Pre-authentication of customer support requests reduces the potential for misappropriation of sensitive customer data during call handling. A contactless card uniquely associated with a client may provide a second factor of authentication via a backchannel to reduce the potential for malicious third-party impersonation of the client prior to transfer of the call to the customer call center. Pre-authorized customer support calls may be intelligently and efficiently routed directly to call center agents, without incurring further delay. During call handling, call center agents may initiate further client authentication processes, including contactless card authentication requests, over one or more different communication channels for authorizing access to sensitive information or to allay suspicion.
    Type: Application
    Filed: October 9, 2019
    Publication date: September 24, 2020
    Applicant: Capital One Services, LLC
    Inventors: Rajko ILINCIC, Kaitlin NEWMAN, Jeffrey RULE
  • Publication number: 20200302436
    Abstract: Various embodiments are generally directed to NFC-based mobile currency transfers. A mobile payment may be programmatically initialized when at least two mobile devices come into NFC communications range. A payment card associated with an account used to fund the currency transfer may be tapped to one or more of the devices to allow a server to validate the currency transfer.
    Type: Application
    Filed: March 20, 2019
    Publication date: September 24, 2020
    Applicant: Capital One Services, LLC
    Inventors: Rajko ILINCIC, Jeffrey RULE
  • Publication number: 20200304310
    Abstract: A system and method are disclosed that leverage multi-factor authentication features of a service provider and intelligent call routing to increase security and efficiency at a customer call center. Pre-authentication of customer support requests reduces the potential for misappropriation of sensitive customer data during call handling. A contactless card uniquely associated with a client may provide a second factor of authentication to reduce the potential for malicious third-party impersonation of the client. Pre-authorized customer support calls are intelligently and efficiently routed in a manner that reduces the opportunity for malicious call interference and information theft.
    Type: Application
    Filed: March 18, 2019
    Publication date: September 24, 2020
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey RULE, Rajko ILINCIC
  • Publication number: 20200302755
    Abstract: A method for improved security at automated teller machines (ATMs) comprising: capturing, by a first camera at an ATM, one or more images of a bank card; reading card information from the bank card by processing the one or more images of the bank card, wherein the card information comprises an account number and an expiration date; receiving, from an input device at the ATM, a personal identification number (PIN) entered by a user; sending a request to a server device to verify the card information and the PIN; and in response receiving a response from the server device, allowing the user to transact with the ATM.
    Type: Application
    Filed: March 22, 2019
    Publication date: September 24, 2020
    Applicant: Capital One Services, LLC
    Inventors: Joshua Edwards, Abdelkader M'Hamed Benkreira, Michael Mossoba, Rajko Ilincic
  • Publication number: 20200302437
    Abstract: System and methods of contactless card authentication systems include a contactless card and a client device having an application, a processor, and a card reader. An application on the client device receives a transaction lockdown request, sends a request to the server to begin to allow a transaction approval within a time period, receives the transaction approval via an authentication tap from the contactless card, sends the transaction approval to the server; and receive an allowance or disallowance response from the server.
    Type: Application
    Filed: February 19, 2020
    Publication date: September 24, 2020
    Inventors: Rajko ILINCIC, Jeffrey RULE, Daniel HERRINGTON
  • Publication number: 20200302432
    Abstract: Systems, methods, and articles of manufacture to securely share data stored in a blockchain. A contactless card may receive a request to provide a data element from a device. An applet of the contactless card may encrypt the data element and a wallet address. The applet may generate a signature for the request, and transmit, to a mobile device, the signature and the encrypted data. The mobile device may transmit, to a verification service, the signature and encrypted data. The verification service may verify the signature based on a public key. A node in a blockchain may generate a block in the blockchain, the block comprising indications of the verification of the signature, the requested data element, and the wallet address. An encrypted data element corresponding to the data element may be decrypted using a public key. The device may receive the decrypted data element from the wallet address.
    Type: Application
    Filed: November 14, 2019
    Publication date: September 24, 2020
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey RULE, Rajko ILINCIC, Kaitlin NEWMAN
  • Patent number: 10783519
    Abstract: Example embodiments of systems and methods for data transmission in a contactless card and client application are provided. The contactless card comprises a visual display, processor, and a memory which includes a first applet, unique identifier, and value. A client application comprises instructions for execution on a client device, and is in data communication with the contactless card via one or more communication fields. The contactless card may display the value, the unique identifier, and a first status on the visual display. The first applet may transmit data to the client application in response to one or more gestures by the contactless card within at least one of the fields. The client application may authenticate the received data. The contactless card may update the display via the one or more fields based on the authenticated data, and change the first status to a second status based on the updated display.
    Type: Grant
    Filed: October 2, 2019
    Date of Patent: September 22, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Daniel Herrington, Rajko Ilincic, Jeffrey Rule
  • Patent number: 10771254
    Abstract: Example embodiments of systems and methods for data transmission between a contactless card, a client device, and one or more servers are provided. The contactless card may include one or more processors and memory, which may include one or more applets. The client device may include one or more processors and memory. The client device may be in data communication with the contactless card. One or more servers may be in data communication with the client device. A first set of information may be transmitted from the contactless card to the client device. The first set of information may include one or more links to activate the contactless card via a designated email program. Upon validation of the first set of information by the one or more servers, the contactless card may be activated.
    Type: Grant
    Filed: August 21, 2019
    Date of Patent: September 8, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Jeffrey Rule, Melissa Heng, Wayne Lutz, James Ashfield, Colin Hart, Rajko Ilincic
  • Publication number: 20200259659
    Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices for use in a tap and walk store are provided. In an example embodiment, 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. Disclosed systems allow a user to purchase items utilizing the disclosed transmitting device.
    Type: Application
    Filed: April 30, 2020
    Publication date: August 13, 2020
    Inventors: Jeffrey RULE, Kaitlin NEWMAN, Rajko ILINCIC
  • Publication number: 20200244462
    Abstract: Example embodiments of systems and methods for data transmission between a contactless card and a client application are provided. A card key may be generated using a master key and identification number. A first and second session key may be generated using the card key and portions of the. A cryptographic result including the counter may be generated using one or more cryptographic algorithms and the card key. A cryptogram may be generated using the first session key and encrypted using the second session key. The application may be transmit one or more messages to the first applet of the contactless card. The first applet may be configured to establish one or more communication paths to the second applet based on receipt of the one or more messages from the client device. The second applet may be deactivated by the first applet via the one or more communication paths.
    Type: Application
    Filed: February 26, 2020
    Publication date: July 30, 2020
    Inventors: Jeffrey RULE, Rajko ILINCIC
  • Patent number: 10713649
    Abstract: Disclosed are a system and methods enabling updating of a card number of a payment card and thereby reissuing the payment card utilizing a reissue application associated with the payment card. The reissue application, when executed communicates with a service provider that manages the payment card. The payment card includes processing circuitry and a rewriteable visual display. Using cryptographic techniques, the reissue application and payment card are authenticated to the service provider. Upon verification, an updated card number is obtained and provided via near-field communication to the payment card. In response to the update payment card number received from the reissue application, the rewriteable visual display on the payment card is updated with the updated card number. Other information may also be presented on the rewriteable visual display of the payment card based on user preferences.
    Type: Grant
    Filed: July 9, 2019
    Date of Patent: July 14, 2020
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Colin Hart, Kevin Osborn, Rajko Ilincic
  • Publication number: 20200184463
    Abstract: Example embodiments of systems and methods for data transmission between a contactless card, a client device, and one or more servers are provided. The contactless card may include one or more processors and memory. The memory may include one or more applets. The client device may include one or more processors and memory. The client device may be in data communication with the contactless card. One or more servers may be in data communication with the client device. A first set of information may be transmitted from the contactless card to the client device. The first set of information may include one or more links to activate the contactless card. The client device may be configured to receive the first set of information from the contactless card. Upon validation of the first set of information, the contactless card may be activated.
    Type: Application
    Filed: February 19, 2020
    Publication date: June 11, 2020
    Inventors: Jeffrey RULE, Melissa HENG, James ASHFIELD, Colin HART, Rajko ILINCIC, Wayne LUTZ
  • Publication number: 20200184462
    Abstract: Example embodiments relate to reissuing or otherwise altering a contactless card. These embodiments are particularly well-suited to an emergency reissue in which many cards have been compromised as the result of a data breach of a major credit card provider or department store. An exemplary contactless card includes a chip that stores encrypted authentication information, including a primary account number (PAN) that identifies the card. The chip may include a first applet responsible making payments with the card; the first applet may manage the PAN. A second applet may be capable of interacting with an outside application, and may serve as a bridge to the first applet. A rewrite of the PAN may be triggered by issuing a write command to the second applet, or by interacting with the chip in a predetermined manner (e.g., tapping the card on an interactable element a predetermined number of times).
    Type: Application
    Filed: December 31, 2019
    Publication date: June 11, 2020
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey RULE, Daniel HERRINGTON, Rajko ILINCIC
  • Patent number: 10680824
    Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices for use in a tap and walk store are provided. In an example embodiment, 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. Disclosed systems allow a user to purchase items utilizing the disclosed transmitting device.
    Type: Grant
    Filed: October 1, 2019
    Date of Patent: June 9, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Jeffrey Rule, Kaitlin Newman, Rajko Ilincic