Patents by Inventor Thomas S. POOLE

Thomas S. POOLE 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).

  • Patent number: 10242368
    Abstract: Systems and methods provide software-based contactless payments. According to various embodiments, a system for software-based contactless payment includes a token manager that generates a token and provides the token to a mobile device of a customer for use with a transaction, a communication interface that receives the token in association with a transaction, and a processor that processes the token using to determine whether to authorize the transaction.
    Type: Grant
    Filed: October 17, 2012
    Date of Patent: March 26, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventor: Thomas S. Poole
  • Publication number: 20190034918
    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: October 3, 2018
    Publication date: January 31, 2019
    Applicant: Capital One Services, LLC
    Inventors: Paul Y. Moreton, Matthew de Ganon, Thomas S. Poole
  • Publication number: 20190005541
    Abstract: The disclosed embodiments include methods, systems, and articles of manufacture for providing offers for linked transactions. Transaction data corresponding to a first product physically purchased using a financial service account and product identification data identifying the first purchased product are received. The transaction data and the product identification data are associated. A consumer that purchased the first product is determined based on at least the transaction data. Follow-on purchase to offer for sale to the consumer based on the product identification data is determined and a follow-up purchase offer to purchase the follow-on product is generated. The consumer is provided with the follow-on purchase offer to enable the consumer to purchase the follow-on product in an electronic commerce purchase transaction.
    Type: Application
    Filed: September 6, 2018
    Publication date: January 3, 2019
    Applicant: CAPITAL ONE FINANCIAL CORPORATION
    Inventors: Thomas S. POOLE, David E. KEATING, Drew JACOBS, Janusz M. NICZYPORUK, Luke A. HAMMOCK
  • Patent number: 10152709
    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: Grant
    Filed: September 14, 2017
    Date of Patent: December 11, 2018
    Assignee: Capital One Services, LLP
    Inventors: Paul Y Moreton, Matthew de Ganon, Thomas S Poole
  • Publication number: 20180337708
    Abstract: A system and method in accordance with exemplary embodiments may include an attachment with a near field communication antenna, a secure element, a plug capable of connecting the attachment to an audio jack on a mobile device. Further, a system and method in accordance with exemplary embodiments may include receiving a payment initiation instruction from a customer, using a near field communication antenna, sending payment information to a point of sale device, using one or more computer processors, encoding data related to the payment as audio data, and transmitting the data related to the payment through an audio jack.
    Type: Application
    Filed: July 5, 2018
    Publication date: November 22, 2018
    Inventors: Thomas S. POOLE, Paul Young MORETON
  • Patent number: 10115104
    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: Grant
    Filed: September 8, 2017
    Date of Patent: October 30, 2018
    Assignee: Capital One Services, LLC
    Inventors: Paul Y Moreton, Matthew de Ganon, Thomas S Poole
  • Patent number: 10096042
    Abstract: The disclosed embodiments include methods, systems, and articles of manufacture for providing offers for linked transactions. Transaction data corresponding to a first product physically purchased using a financial service account and product identification data identifying the first purchased product are received. The transaction data and the product identification data are associated. A consumer that purchased the first product is determined based on at least the transaction data. Follow-on purchase to offer for sale to the consumer based on the product identification data is determined and a follow-up purchase offer to purchase the follow-on product is generated. The consumer is provided with the follow-on purchase offer to enable the consumer to purchase the follow-on product in an electronic commerce purchase transaction.
    Type: Grant
    Filed: May 27, 2014
    Date of Patent: October 9, 2018
    Assignee: Capital One Financial Corporation
    Inventors: Thomas S. Poole, David E. Keating, Drew Jacobs, Janusz M. Niczyporuk, Luke A. Hammock
  • Publication number: 20180225743
    Abstract: A system and method for generating a user customized order interface, which displays a customer's previous orders and corresponding specific order information and order recommendations, that may be utilized for ordering and payment. A mobile application may request a merchant ID upon determination by the mobile device that a customer is within a close proximity of a particular merchant location. A payment terminal may pass the corresponding merchant ID to a transaction system, which may retrieve, for example, the customer's previous transactions and corresponding transaction IDs associated with the merchant ID, which may be utilized to generate a user customized order interface, which may be utilized to initiate a transaction by selecting a specific order item to order, and which may utilize the mobile application to confirm the order and proceed to payment, which will transmit the order to a merchant system.
    Type: Application
    Filed: April 2, 2018
    Publication date: August 9, 2018
    Inventors: Thomas S. POOLE, Apurva SHAH, Jennifer LOPEZ, Paul MORETON, Taurean BUTLER, Jason DePERRO
  • Patent number: 10044412
    Abstract: A system and method in accordance with exemplary embodiments may include an attachment with a near field communication antenna, a secure element, a plug capable of connecting the attachment to an audio jack on a mobile device. Further, a system and method in accordance with exemplary embodiments may include receiving a payment initiation instruction from a customer, using a near field communication antenna, sending payment information to a point of sale device, using one or more computer processors, encoding data related to the payment as audio data, and transmitting the data related to the payment through an audio jack.
    Type: Grant
    Filed: October 11, 2016
    Date of Patent: August 7, 2018
    Assignee: CAPITAL ONE FINANCIAL CORPORATION
    Inventors: Thomas S. Poole, Paul Young Moreton
  • Patent number: 10043175
    Abstract: A secure fob that enables a user to pay for an item or items without needing to present a mobile device. A secure fob may include a proximity capability to ensure that a mobile device is within a particular range, thereby eliminating the risk of fraudulent charges on a stolen fob. In such an embodiment, a fob may be disabled if the fob is not paired with the mobile device by virtue of being disconnected and/or physically separated from the mobile device. The secure fob also may include enhanced features to authorize transactions and locate the mobile device and/or the secure fob.
    Type: Grant
    Filed: December 11, 2015
    Date of Patent: August 7, 2018
    Assignee: CAPITAL ONE FINANCIAL CORPORATION
    Inventors: Thomas S. Poole, Paul Young Moreton, Hutch Douglas, Anthony Swider, III, Thomas Christopher Clarke
  • Publication number: 20180189786
    Abstract: A system and method for generating a notification of a price change for a transaction and facilitating an associated price adjustment based on electronic image capture of a paper receipt. An image capture system captures an electronic image of a paper transaction receipt, which is transmitted to a data extraction processor that extracts transaction receipt data from the captured electronic image. A unique key is generated by an authentication server that is matched to a transaction record to generate a reliability score for the OCRed image and to authorize price matching. If the price monitoring server identifies that the price of a purchased transaction item has changed, the price monitoring server automatically generates a notification to the user indicating the price change and an email to the customer service department of the merchant from which the transaction item was purchased, requesting a price adjustment that is credited back to the payment instrument.
    Type: Application
    Filed: December 29, 2016
    Publication date: July 5, 2018
    Inventor: Thomas S. POOLE
  • Patent number: 9965797
    Abstract: A system and method for generating a user customized order interface, which displays a customer's previous orders and corresponding specific order information and order recommendations, that may be utilized for ordering and payment. A mobile application may request a merchant ID upon determination by the mobile device that a customer is within a close proximity of a particular merchant location. A payment terminal may pass the corresponding merchant ID to a transaction system, which may retrieve, for example, the customer's previous transactions and corresponding transaction IDs associated with the merchant ID, which may be utilized to generate a user customized order interface, which may be utilized to initiate a transaction by selecting a specific order item to order, and which may utilize the mobile application to confirm the order and proceed to payment, which will transmit the order to a merchant system.
    Type: Grant
    Filed: August 29, 2017
    Date of Patent: May 8, 2018
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Thomas S. Poole, Apurva Shah, Jennifer Lopez, Paul Moreton, Taurean Butler, Jason DePerro
  • Publication number: 20180096373
    Abstract: The disclosed embodiments generally relate to in-store customer traffic analysis systems and methods. The system includes at least one sensor positioned within a retail store, at least one display associated with the at least one sensor, one or more memory devices storing instructions and one or ore hardware processors configured to execute the instructions to perform operations. The operations include receiving a sensor signal indicating that a user device is within a proximity to the at least one sensor in the retail store, extracting a user device identifier from the sensor signal, correlating the sensor signal to the at least one display, generating a foot traffic record associated with the user device identifier and the at least one display, based on the received sensor signal, and storing the generated foot traffic record.
    Type: Application
    Filed: December 6, 2017
    Publication date: April 5, 2018
    Applicant: Capital One Financial Corporation
    Inventor: Thomas S. Poole
  • Publication number: 20180075447
    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: September 8, 2017
    Publication date: March 15, 2018
    Inventors: Paul Y. Moreton, Matthew de Ganon, Thomas S. Poole
  • Publication number: 20180075260
    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: September 14, 2017
    Publication date: March 15, 2018
    Inventors: Paul Y. Moreton, Matthew de Ganon, Thomas S. Poole
  • Publication number: 20180047018
    Abstract: 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: Application
    Filed: August 14, 2017
    Publication date: February 15, 2018
    Inventors: MATTHEW DE GANON, Thomas S. Poole, Paul Y. Moreton, Dawij Trivedi, Kunal Arora, Kate McHugh
  • Publication number: 20180046998
    Abstract: 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 s
    Type: Application
    Filed: August 16, 2017
    Publication date: February 15, 2018
    Inventors: Matthew de Ganon, Thomas S. Poole, Paul Y. Moreton, Dwij Trivedi, Kunal Arora, Kate McHugh
  • Publication number: 20170148074
    Abstract: A system and method include a kiosk processor, a device kiosk on a customer mobile device, which displays via a user interface, content and options for the customer from a third party customer service system, a customer interaction channel that receives, via an associated customer interaction network, a request to access the third party customer service system, via the device kiosk on a customer mobile device, an authentication module associated with the kiosk processor that receives customer data and customer input associated with an authentication request via a network to authenticate the customer, identifies a customer mobile device based on device identifiers, and evaluates risk factors associated with the customer mobile device, and a communication interface associated with the kiosk processor, that transmits, via a push notification gateway, a push notification to the device kiosk on the customer mobile device that establishes, via the network, a secure connection between the customer mobile device and
    Type: Application
    Filed: November 21, 2016
    Publication date: May 25, 2017
    Inventors: Lawrence DOUGLAS, Thomas S. POOLE, Hannes JOUHIKAINEN
  • Patent number: 9489672
    Abstract: A system and method in accordance with exemplary embodiments may include an attachment with a near field communication antenna, a secure element, a plug capable of connecting the attachment to an audio jack on a mobile device. Further, a system and method in accordance with exemplary embodiments may include receiving a payment initiation instruction from a customer, using a near field communication antenna, sending payment information to a point of sale device, using one or more computer processors, encoding data related to the payment as audio data, and transmitting the data related to the payment through an audio jack.
    Type: Grant
    Filed: December 21, 2015
    Date of Patent: November 8, 2016
    Assignee: CAPITAL ONE FINANCIAL CORPORATION
    Inventors: Thomas S. Poole, Paul Young Moreton
  • Patent number: 9378496
    Abstract: A system and method in accordance with exemplary embodiments may include an attachment with a near field communication antenna, a secure element, a plug capable of connecting the attachment to an audio jack on a mobile device. Further, a system and method in accordance with exemplary embodiments may include receiving a payment initiation instruction from a customer, using a near field communication antenna, sending payment information to a point of sale device, using one or more computer processors, encoding data related to the payment as audio data, and transmitting the data related to the payment through an audio jack.
    Type: Grant
    Filed: October 7, 2015
    Date of Patent: June 28, 2016
    Assignee: CAPITAL ONE FINANCIAL CORPORATION
    Inventors: Thomas S. Poole, Paul Young Moreton