Patents by Inventor Tyler LOCKE

Tyler LOCKE 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: 10496984
    Abstract: In some implementations, a transaction card may receive transaction data from a transaction terminal based on initiation of a transaction with the transaction terminal; generate a tokenized primary account number, for use with the transaction, based on the transaction data and an actual primary account number of the transaction card; and transmit the tokenized primary account number to the transaction terminal for processing the transaction.
    Type: Grant
    Filed: April 5, 2019
    Date of Patent: December 3, 2019
    Assignee: Capital One Services, LLC
    Inventors: James Zarakas, Tyler Locke
  • Publication number: 20190362344
    Abstract: A device associated with a vehicle may receive a device identifier of a user device that is registered to an authorized user or user identification data associated with the authorized user. The device may include a secure element, and may receive, from an infotainment system, payment information associated with a transaction for a service. The device may secure the payment information using an encryption technique that is to use a public key associated with the device identifier or the user identification data to encrypt the payment information. The device may provide the payment information to the infotainment system, which may provide the payment information to another device that is associated with an organization providing the particular service. The other device may use a private key to decrypt the payment information, process the payment information, and may perform actions relating to the service based on the payment information being successfully processed.
    Type: Application
    Filed: May 24, 2018
    Publication date: November 28, 2019
    Inventors: Adam KOEPPEL, Tyler Locke, Robert Perry
  • Patent number: 10482453
    Abstract: A dynamic transaction card that includes a transaction card having a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a sensor layer that may be utilized to activate a dynamic transaction card by authenticating the card user as authorized to use the card through user authentication input recognition, which may be gesture and voice recognition processing, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV™ chip, an energy storage component, one or more antenna (e.g., Bluetooth™ antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer.
    Type: Grant
    Filed: December 29, 2016
    Date of Patent: November 19, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: James Zarakas, David Wurmfeld, Tyler Locke
  • Patent number: 10483771
    Abstract: Systems and methods for hybrid energy harvesting for transaction cards are disclosed. Embodiments include a transaction card comprising a data storage device configured to supply account information to a transaction card terminal, a primary rechargeable power source to allow recharging and further to receive charging energy from the transaction card terminal during a transaction using the card, a secondary rechargeable power source configured to receive energy from the first rechargeable power source, and a power controller configured to control a flow of energy between the first and second rechargeable power sources.
    Type: Grant
    Filed: October 25, 2018
    Date of Patent: November 19, 2019
    Assignee: Capital One Services, LLC
    Inventors: David Wurmfeld, Tyler Locke
  • Patent number: 10474939
    Abstract: A dynamic transaction card that is manufactured using conductive plastic jumpers that will dissolve when in contact with a solvent used to tamper with the dynamic transaction card. Internal components of a dynamic transaction card may be manufactured using a synthetic or semi-synthetic organic material, such as, for example, plastics. These materials may be conductive to provide functionality to a dynamic transaction card, such as a connection between an integrated circuit and other card components such that when the materials dissolve, the connections are broken and the dynamic transaction card may be inactive due to the loss of various connections.
    Type: Grant
    Filed: April 4, 2018
    Date of Patent: November 12, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: David Wurmfeld, James Zarakas, Theodore Markson, Saleem Sangi, Tyler Locke, Kevin Kelly
  • Patent number: 10474941
    Abstract: A dynamic transaction card that includes a transaction card having a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer protective layer, a core layer, a potting layer, a touch sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV™ chip, an energy storage component, one or more antennas (e.g., Bluetooth™ antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer, which may include a back protective layer. The antennas may be mounted on the protective layers, which may be laminated to the core layer, and connected to the core layer onto a printed circuit board (PCB) using conductive epoxies.
    Type: Grant
    Filed: December 30, 2016
    Date of Patent: November 12, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: David Wurmfeld, Tyler Locke, Theodore Markson, Adam Koeppel
  • Publication number: 20190340478
    Abstract: A transaction card may power on the transaction card using electric current induced from an interaction of the transaction card with an electromagnetic field. The transaction card may establish a communication with a device. The communication may indicate that the transaction card has powered. The transaction card may receive, from the device, a set of instructions to configure a set of applets on the transaction card after notifying the device that the transaction card has powered on. The set of applets to be configured may be related to completing one or more different transactions. The set of applets to be configured may be different than another set of applets already configured on the transaction card. The transaction card may configure the set of applets on the transaction card according to the set of instructions after receiving the set of instructions.
    Type: Application
    Filed: July 16, 2019
    Publication date: November 7, 2019
    Inventors: Adam KOEPPEL, James ZARAKAS, Molly JOHNSON, Tyler LOCKE
  • Publication number: 20190340481
    Abstract: A contactless payment device including a wireless communication device; a power source; a processor coupled to the power source; an accelerometer communicatively coupled to the processor and the power source; and an actuator communicatively coupled to the wireless communication device and the processor. The actuator is configured to activate the wireless communication device when the actuator is set in a closed state, and deactivate the wireless communication device when the actuator is set in an open state. The processor is configured to receive an incoming signal from the accelerometer; determine whether the incoming signal corresponds to a pre-programmed signal corresponding to an enabling gesture; and set the actuator in the closed state for a time interval, when the incoming signal corresponds to the enabling gesture.
    Type: Application
    Filed: May 30, 2018
    Publication date: November 7, 2019
    Applicant: Capital One Services, LLC
    Inventors: Tyler LOCKE, Adam R. KOEPPEL
  • Publication number: 20190332830
    Abstract: A transaction card may monitor an amount of electric current induced in a first near-field communication (NFC) component of a transaction card. Electric current may be induced in the first NFC component when the first NFC component is within an electromagnetic field generated by a second NFC component of a transaction terminal. The transaction card may dynamically activate one or more output components associated with the transaction card based on the amount of electric current induced in the first NFC component. The one or more output components may indicate whether the transaction card can communicate with the transaction terminal. The transaction card may perform an action related to completing a transaction after determining that the amount of electric current induced in the NFC component satisfies a first threshold. The first threshold may indicate that the transaction card can communicate with the transaction terminal.
    Type: Application
    Filed: July 10, 2019
    Publication date: October 31, 2019
    Inventors: David Kelly WURMFELD, Adam KOEPPEL, Tyler LOCKE
  • Publication number: 20190333047
    Abstract: A dynamic transaction card and methods for providing improved security during transactions are described. The dynamic transaction card can attempt to connect wirelessly to a mobile device. The dynamic transaction card can then send a transaction request to a backend system, including whether the connection to the mobile device was successful. The backend system can then calculate a fraud score based on the connection response, among other things. The backend system may approve or deny the transaction request from the dynamic transaction card based on the fraud score.
    Type: Application
    Filed: July 10, 2019
    Publication date: October 31, 2019
    Inventors: James ZARAKAS, Theodore MARKSON, Adam KOEPPEL, Kevin P. KELLY, Brian BRIGGMAN, Saleem SANGI, David WURMFELD, Tyler LOCKE, Karla ESCALANTE
  • Patent number: 10459039
    Abstract: Systems and methods for testing a light emitting display unit having a plurality of light emitting elements are disclosed. Embodiments include a system with a test module, the test module including a plurality of light detection elements. Each of the plurality of light detection elements may generate a signal upon detection of light emitted from a light emitting element. The test module may also include a circuit. The circuit may receive input signals from the plurality of light detection elements, process the input signals based on a pre-determined function of the circuit, and generate an aggregate output signal based on the processing of the input signals. The circuit may also process the input signals based on discrete implementation of a combinational logic. The circuit may further receive instructions determining the combinational logic to be implemented.
    Type: Grant
    Filed: April 23, 2018
    Date of Patent: October 29, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Kevin Osborn, Tyler Locke, David Kelly Wurmfeld
  • Publication number: 20190324096
    Abstract: Systems and methods for testing a light emitting display unit having a plurality of light emitting elements are disclosed. Embodiments include a system with a test module, the test module including a plurality of light detection elements. Each of the plurality of light detection elements may generate a signal upon detection of light emitted from a light emitting element. The test module may also include a circuit. The circuit may receive input signals from the plurality of light detection elements, process the input signals based on a pre-determined function of the circuit, and generate an aggregate output signal based on the processing of the input signals. The circuit may also process the input signals based on discrete implementation of a combinational logic. The circuit may further receive instructions determining the combinational logic to be implemented.
    Type: Application
    Filed: April 23, 2018
    Publication date: October 24, 2019
    Applicant: Capital One Services, LLC
    Inventors: KEVIN OSBORN, Tyler LOCKE, DAVID KELLY WURMFELD
  • Patent number: 10453052
    Abstract: A dynamic transaction card that includes a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller/microprocessor storing firmware, Java applets, Java applet integration, and the like, an EMV processor, an energy storage component, one or more antenna (e.g., Bluetooth antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer. A display layer may include enhanced features such as the use of display components as a barcode generator.
    Type: Grant
    Filed: April 16, 2018
    Date of Patent: October 22, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: David Wurmfeld, Tyler Locke
  • Patent number: 10453061
    Abstract: A user device may detect at least one external device in communication range of the device, receive at least one external device identifier from the at least one external device, generate a transaction request comprising data describing a transaction to be processed and the at least one external device identifier, and send the transaction request to a transaction service for fulfillment. The transaction service may receive the transaction request, analyze the at least one external device identifier to identify at least one security factor associated with the at least one external device identifier, adjust a security score for the transaction based on the at least one security factor, and determine whether to process the transaction based on the adjusted security score.
    Type: Grant
    Filed: March 1, 2018
    Date of Patent: October 22, 2019
    Assignee: Capital One Services, LLC
    Inventors: Adam Koeppel, Tyler Locke, James Zarakas
  • Patent number: 10453054
    Abstract: A transaction card includes a near-field communication (NFC) component, a security component, a wireless component, one or more memories, and one or more processors communicatively coupled to the one or more memories. The device receives a signal from a user device attempting to access a secure application, and energizes the NFC component based on the signal received from the user device. The device causes the security component to generate an encrypted code based on the NFC component being energized, and provides, via the security component, the encrypted code to the wireless component. The device provides, via the wireless component, the encrypted code to the user device to permit the user device to utilize the encrypted code as authentication for accessing the secure application.
    Type: Grant
    Filed: January 10, 2018
    Date of Patent: October 22, 2019
    Assignee: Capital One Services, LLC
    Inventors: James Zarakas, Molly Johnson, Robert Perry, Adam Koeppel, Tyler Locke
  • Publication number: 20190317655
    Abstract: User interface systems and methods for assisting user interactions with displays are disclosed. A user interface system may include a display and a sensor configured to detect an interaction, by a user, with the display. The user interface system may also include one or more memory devices storing instructions and one or more processors configured to execute the instructions. The instructions may instruct the user interface system to generate a pattern on the display, determine that the interaction is a command to initiate a process to assist the user in interacting with the display, generate a display element on the pattern at a location specified by the command, and provide a feedback signal to the user indicating the display element location.
    Type: Application
    Filed: September 27, 2018
    Publication date: October 17, 2019
    Applicant: Capital One Services, LLC
    Inventors: Adam Koeppel, Tyler Locke, James Zarakas, David Kelly Wurmfeld
  • Publication number: 20190317654
    Abstract: User interface systems and methods for assisting user interactions with displays are disclosed. A user interface system may include a display and a sensor configured to detect an interaction, by a user, with the display. The user interface system may also include one or more memory devices storing instructions and one or more processors configured to execute the instructions. The instructions may instruct the user interface system to generate a pattern on the display, determine that the interaction is a command to initiate a process to assist the user in interacting with the display, generate a display element on the pattern at a location specified by the command, and provide a feedback signal to the user indicating the display element location.
    Type: Application
    Filed: April 12, 2018
    Publication date: October 17, 2019
    Applicant: Capital One Services, LLC
    Inventors: Adam R. Koeppel, Tyler Locke, James Zarakas, David Kelly Wurmfeld
  • Patent number: 10445733
    Abstract: Disclosed embodiments describe a system for completing a transaction using an electronic transaction card by receiving, from a user device executing a software application, a selection of a first account function associated with a financial transaction; determining that the account function requires user verification; detecting, via a motion detection component, a motion pattern performed on the electronic transaction card by the user; authenticating an identity of the user, by the electronic transaction card, based on the detected motion pattern; and completing, by the user device, the financial transaction.
    Type: Grant
    Filed: August 6, 2018
    Date of Patent: October 15, 2019
    Assignee: Capital One Service, LLC
    Inventors: David Wurmfeld, Tyler Locke, James Zarakas, Adam Koeppel
  • Publication number: 20190311344
    Abstract: A secure method of real time money transferring between account holders utilizes Near Field Communication (NFC) technologies, dynamic transaction cards, and a mobile application to facilitate a seamless mobile transfer of funds. The dynamic transaction card of the customer requesting to make the transfer of funds may be placed in contact with the second recipient dynamic transaction card of the customer receiving the funds transfer to establish an NFC connection. The dynamic transaction card requesting the transfer may receive, via the NFC antenna on the card, the recipient customer account information stored on a passive NFC tag. The dynamic transaction card requesting the transfer may transmit the recipient account information to a mobile application, which may transmit the recipient account information to an account provider system for facilitating the funds transfer.
    Type: Application
    Filed: June 24, 2019
    Publication date: October 10, 2019
    Inventors: Tyler Locke, Kevin Kelly, David Wurmfeld
  • Publication number: 20190304261
    Abstract: An apparatus for dispensing cash bills is provided. The apparatus may include a housing with an access port, a cash dispenser, and a cash cartridge removably mounted within the housing. The cash cartridge may be insertable and removable through the access port. The cash cartridge may also be adapted to store a plurality of bills for dispensing and removably coupled to the cash dispenser. The apparatus may communicate with a user exclusively through a first communication unit via an RF network and may include a second communication unit for communicating with a financial service provider via a VICTORY-standard network.
    Type: Application
    Filed: March 27, 2018
    Publication date: October 3, 2019
    Inventors: David K. WURMFELD, James ZARAKAS, Adam R. KOEPPEL, Tyler LOCKE