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: 20200104840
    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: October 1, 2019
    Publication date: April 2, 2020
    Inventors: Rajko ILINCIC, Jeffrey RULE, Daniel HERRINGTON
  • Publication number: 20200106617
    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: October 1, 2019
    Publication date: April 2, 2020
    Inventors: Jeffrey RULE, Rajko ILINCIC
  • Publication number: 20200104833
    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: August 21, 2019
    Publication date: April 2, 2020
    Inventors: Jeffrey RULE, Melissa HENG, James ASHFIELD, Colin Hart, Rajko Ilincic, Wayne Lutz
  • Publication number: 20200106616
    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: October 1, 2019
    Publication date: April 2, 2020
    Inventors: Jeffrey RULE, Kaitlin NEWMAN, Rajko ILINCIC
  • Patent number: 10607214
    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: Grant
    Filed: August 21, 2019
    Date of Patent: March 31, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Jeffrey Rule, Melissa Heng, James Ashfield, Colin Hart, Rajko Ilincic, Wayne Lutz
  • Patent number: 10607216
    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: Grant
    Filed: October 1, 2019
    Date of Patent: March 31, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Rajko Ilincic, Jeffrey Rule, Daniel Herrington
  • Patent number: 10588175
    Abstract: A device may include a processor, a wireless transceiver in communication with the processor, and a non-transitory memory. The memory may store instructions that, when executed by the processor, cause the processor to perform processing. The processing may include detecting, using the wireless transceiver, at least one external device in communication range of the device. The processing may include receiving, by the wireless transceiver, at least one external device identifier from the at least one external device. The processing may include verifying the at least one external device identifier. The verifying may include locating the at least one device identifier in a blockchain record of a transaction involving the at least one external device. The processing may include performing at least one transaction requiring the verified at least one external device identifier.
    Type: Grant
    Filed: October 24, 2018
    Date of Patent: March 10, 2020
    Assignee: Capital One Services, LLC
    Inventors: Adam R. Koeppel, James Zarakas, Molly Johnson, Tyler Locke, Rajko Ilincic, Kevan Emmott
  • Publication number: 20200019962
    Abstract: A multi-function transaction card may determine whether to submit a first payment as a passive payment device or to receive a second payment from another transaction card. The multi-function transaction card may have a length and a width that are in accordance with a standard for transaction cards. The multi-function transaction card may selectively perform a payment transaction based on determining whether to submit the first payment or to receive the second payment. The payment transaction may be performed by providing first card data to a transaction terminal for processing when the multi-function transaction card is to submit the first payment. The payment transaction may be performed by receiving second card data from the other transaction card, and processing the second card data via online data authentication, or via offline data authentication, when the multi-function transaction card is to receive the second payment.
    Type: Application
    Filed: July 12, 2018
    Publication date: January 16, 2020
    Inventors: Tyler LOCKE, Adam R. KOEPPEL, Molly JOHNSON, James ZARAKAS, David Kelly WURMFELD, Kevan EMMOTT, Rajko ILINCIC
  • Patent number: 10535062
    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: Grant
    Filed: March 20, 2019
    Date of Patent: January 14, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Jeffrey Rule, Rajko Ilincic, Kaitlin Newman
  • Patent number: 10523708
    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: Grant
    Filed: March 18, 2019
    Date of Patent: December 31, 2019
    Assignee: Capital One Services, LLC
    Inventors: Rajko Ilincic, Kaitlin Newman, Jeffrey Rule
  • Patent number: 10516447
    Abstract: Various embodiments are directed to dynamically and temporarily adjusting power to an NFC reader of a computing device from a first power level to a second power level based on a feedback mechanism between a contactless card and the computing device. The contactless card may provide a message containing a checksum. The computing device may receive the message and calculate a checksum based on the received message. By comparing these two checksums, it may be determined whether the entire message has been correctly received. If not, the power to the NFC reader may be temporarily increased to allow better communication between the contactless card and the computing device.
    Type: Grant
    Filed: June 17, 2019
    Date of Patent: December 24, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Jeffrey Rule, Rajko Ilincic
  • Patent number: 10505738
    Abstract: Example embodiments of systems and methods for data transmission between transmitting and receiving devices are provided. These systems and methods may provide for the secure transmission of sensitive information, such as personally-identifiable information. In some examples, the sensitive information may be requested and securely shared when cryptographically signed by the user, and the user may control the access of viewers to the personally identifiable information or end users.
    Type: Grant
    Filed: March 12, 2019
    Date of Patent: December 10, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Jeffrey Rule, Rajko Ilincic
  • Patent number: 10498401
    Abstract: A position alignment system facilitates positioning of a contactless card in a ‘sweet spot’ in a target volume relative to a contactless card reading device. Alignment logic uses information captured from available imaging devices such as infrared proximity detectors, cameras, infrared sensors, dot projectors, and the like to guide the card to a target location. The captured image information is processed to identify a card position, trajectory and predicted location using one or both of a machine learning model and/or a Simultaneous Localization and Mapping logic. Trajectory adjustment and prompt identification may be intelligently controlled and customized using machine-learning techniques to customize guidance based on the preference and/or historical behavior of the user. As a result, the speed and accuracy of contactless card alignment is improved and received NFC signal strength is maximized, thereby reducing the occurrence of dropped transactions.
    Type: Grant
    Filed: July 15, 2019
    Date of Patent: December 3, 2019
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Rajko Ilincic, Colin Hart, Daniel Herrington, Kevin Osborn
  • Patent number: 10484532
    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 23, 2018
    Date of Patent: November 19, 2019
    Assignee: Capital One Services, LLC
    Inventors: Kaitlin Newman, Jeffrey Rule, Rajko Ilincic
  • Patent number: 10467445
    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: Grant
    Filed: March 28, 2019
    Date of Patent: November 5, 2019
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Rajko Ilincic, Colin Hart
  • Patent number: 10311682
    Abstract: Embodiments disclosed herein generally relate to an apparatus for counterfeit detection and a method implementing the same. In one embodiment, as apparatus is disclosed herein. The apparatus includes a first end, a second end, an elongated body, an ink cartridge, a controller, and a trigger. The elongated body extends from the first end to the second end. The elongated body defines a cavity therein. The ink cartridge is disposed in the cavity. The controller is positioned within the cavity. The controller is configured to communicate with at least one computing system remote from the apparatus. The trigger is in electronic communication with the controller. The trigger extends at least partially though the elongated body. The trigger is actionable between a first position and a second position. A change from the first position to the second position transmits an electronic signal to the controller.
    Type: Grant
    Filed: March 8, 2018
    Date of Patent: June 4, 2019
    Assignee: Capital One Services, LLC
    Inventors: Joshua Edwards, Abdelkader Benkreira, Michael Mossoba, Rajko Ilincic