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).

  • Publication number: 20250148248
    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: January 9, 2025
    Publication date: May 8, 2025
    Inventors: Adam KOEPPEL, James ZARAKAS, Molly JOHNSON, Tyler LOCKE
  • Publication number: 20250069066
    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: Application
    Filed: November 11, 2024
    Publication date: February 27, 2025
    Inventors: James ZARAKAS, Tyler LOCKE
  • Publication number: 20250069079
    Abstract: A dynamic transaction card comprising an outer surface, a sensor, and a display disposed on the outer surface is disclosed. The dynamic transaction card can include an antenna and a microcontroller controlling a dynamic transaction card application. The dynamic transaction card can also include a secure payment chip having a plurality of contact points and storing a passive tag associated with a user. The passive tag can include a unique identifier and one or more log-in credentials for the user. When making a purchase, the user can be authenticated via a connection between the dynamic transaction card and a user device. The unique identifier can be used as an authentication token and the one or more log-in credentials can be verified against log-in credentials associated with the user.
    Type: Application
    Filed: November 8, 2024
    Publication date: February 27, 2025
    Inventors: Tyler LOCKE, Kevin P. KELLY
  • Publication number: 20240428025
    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: August 30, 2024
    Publication date: December 26, 2024
    Inventors: David Kelly WURMFELD, Adam KOEPPEL, Tyler LOCKE
  • Publication number: 20240273512
    Abstract: The present disclosure relates to systems and methods for using multicomputer data transferring to active contactless communication. In one example, such a system may include at least one memory storing instructions and at least one processor configured to execute the instructions to perform one or more operations, the operations including: receiving a transaction associated with a merchant on a list of merchants stored in the at least one memory; determining, based on the merchant, a remote server associated with the merchant; assembling a data packet including an identifier of the contactless card and an identifier of the transaction; transmitting the data packet to the determined server across one or more computer networks; receiving confirmation from the determined sever in response to the data packet; and transmitting the confirmation to a user device associated with the transaction.
    Type: Application
    Filed: February 26, 2024
    Publication date: August 15, 2024
    Applicant: Capital One Services, LLC
    Inventors: Adam KOEPPEL, Molly JOHNSON, Tyler LOCKE, James ZARAKAS, Kevin KELLY, Saleem SANGI, Robert PERRY
  • Publication number: 20240220757
    Abstract: Examples described herein describe a battery charger for a transaction card. According to some implementations, a charging device may detect a transaction card is received within a charging slot when an integrated circuit (IC) chip of the transaction card is in contact with a charging terminal; request a user device to provide power to charge the transaction card via the charging terminal, wherein the user device is communicatively coupled to the charging terminal; receive the power from the user device; and provide the power to the transaction card to charge a battery of the transaction card.
    Type: Application
    Filed: March 18, 2024
    Publication date: July 4, 2024
    Inventors: Adam R. KOEPPEL, Molly JOHNSON, Tyler LOCKE, James ZARAKAS
  • Publication number: 20240193397
    Abstract: A method of fabricating a transaction card for communicating data relating to a transaction may include forming a pattern in a plastic film using a laser plating process or a print-and-plate process; providing a conductive material in the pattern formed in the plastic film, using a plating process, to form a RF antenna layer in the plastic film, wherein the RF antenna layer includes a RF antenna; and affixing the plastic film to a surface of the transaction card to permit the RF antenna to inductively connect to a printed circuit board (PCB) of the transaction card.
    Type: Application
    Filed: February 21, 2024
    Publication date: June 13, 2024
    Inventors: Adam KOEPPEL, Tyler LOCKE
  • Publication number: 20240144234
    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 receiving a command configured to be executed by an external user device. The external user device and the user device may be members of a network of trust. The processing may include detecting, by the wireless transceiver, a plurality of member devices of the network of trust in communication range of the device. The processing may include sending, by the wireless transceiver, the command to each of the plurality of member devices.
    Type: Application
    Filed: January 4, 2024
    Publication date: May 2, 2024
    Applicant: CAPITAL ONE SERVICES, LLC
    Inventors: Adam R. KOEPPEL, James ZARAKAS, Molly JOHNSON, Tyler LOCKE, Rajko ILINCIC, Kevan EMMOTT
  • Publication number: 20240112178
    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: Application
    Filed: December 13, 2023
    Publication date: April 4, 2024
    Inventors: James ZARAKAS, Molly JOHNSON, Robert PERRY, Adam KOEPPEL, Tyler LOCKE
  • Publication number: 20240097738
    Abstract: In some implementations, a near field communication (NFC) device may determine whether the NFC device is to perform a wireless transaction in a powered mode or an unpowered mode, and may selectively perform the wireless transaction in the powered mode or the unpowered mode based on determining whether the NFC device is to perform the wireless transaction in the powered mode or the unpowered mode. The wireless transaction may be performed using power from a power source internal to the NFC device when the wireless transaction is performed in the powered mode. The wireless transaction may be performed without using power from the power source internal to the NFC device when the wireless transaction is performed in the unpowered mode.
    Type: Application
    Filed: November 16, 2023
    Publication date: March 21, 2024
    Inventors: Adam KOEPPEL, Tyler LOCKE, Kevin KELLY, Robert PERRY, James ZARAKAS
  • Publication number: 20240086899
    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: Application
    Filed: November 21, 2023
    Publication date: March 14, 2024
    Inventors: James ZARAKAS, Tyler LOCKE
  • Publication number: 20240063660
    Abstract: A transaction device may include a power reception component configured to receive power from an external device with which the transaction device is to interact to perform a transaction. The transaction device may include a secure element configured to perform the transaction using the power received from the external device. The transaction device may include one or more peripheral components configured to perform one or more operations other than the transaction. The transaction device may include a power management component configured to determine at least one operation, of the one or more operations, to be performed in association with the transaction, and to route power received from the external device to at least one peripheral component, of the one or more peripheral components, capable of performing the at least one operation.
    Type: Application
    Filed: October 16, 2023
    Publication date: February 22, 2024
    Inventors: Adam KOEPPEL, Tyler LOCKE
  • Publication number: 20240062187
    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 sending, by the wireless transceiver, a request to share a transaction to at least one external user device in communication range of the device. The processing may include receiving, at the wireless transceiver, at least one sharing confirmation from the at least one external user device. The processing may include generating a transaction request. The transaction request may include data describing the transaction and a transaction portion to be paid by an account associated with the device. The processing may include sending the transaction request to a transaction service for fulfillment.
    Type: Application
    Filed: October 31, 2023
    Publication date: February 22, 2024
    Applicant: CAPITAL ONE SERVICES, LLC
    Inventors: Adam R. KOEPPEL, James ZARAKAS, Molly JOHNSON, Tyler LOCKE
  • Publication number: 20240062031
    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: October 31, 2023
    Publication date: February 22, 2024
    Inventors: Adam KOEPPEL, James ZARAKAS, Molly JOHNSON, Tyler LOCKE
  • Publication number: 20230401562
    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 dosed state for a time interval, when the incoming signal corresponds to the enabling gesture.
    Type: Application
    Filed: August 28, 2023
    Publication date: December 14, 2023
    Applicant: Capital One Services, LLC
    Inventors: Tyler LOCKE, Adam R. KOEPPEL
  • Publication number: 20230214821
    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: Application
    Filed: March 15, 2023
    Publication date: July 6, 2023
    Inventors: James ZARAKAS, Tyler LOCKE
  • Publication number: 20230186044
    Abstract: Examples described herein describe a battery charger for a transaction card. According to some implementations, a charging device may detect a transaction card is received within a charging slot when an integrated circuit (IC) chip of the transaction card is in contact with a charging terminal; request a user device to provide power to charge the transaction card via the charging terminal, wherein the user device is communicatively coupled to the charging terminal; receive the power from the user device; and provide the power to the transaction card to charge a battery of the transaction card.
    Type: Application
    Filed: February 6, 2023
    Publication date: June 15, 2023
    Inventors: Adam R. KOEPPEL, Molly JOHNSON, Tyler LOCKE, James ZARAKAS
  • Publication number: 20230153553
    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: January 9, 2023
    Publication date: May 18, 2023
    Inventors: David Kelly WURMFELD, Adam KOEPPEL, Tyler LOCKE
  • Publication number: 20230078500
    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: November 18, 2022
    Publication date: March 16, 2023
    Inventors: Adam KOEPPEL, James ZARAKAS, Molly JOHNSON, Tyler LOCKE
  • Publication number: 20220335428
    Abstract: A dynamic transaction card comprising an outer surface, a sensor, and a display disposed on the outer surface is disclosed. The dynamic transaction card can include an antenna and a microcontroller controlling a dynamic transaction card application. The dynamic transaction card can also include a secure payment chip having a plurality of contact points and storing a passive tag associated with a user. The passive tag can include a unique identifier and one or more log-in credentials for the user. When making a purchase, the user can be authenticated via a connection between the dynamic transaction card and a user device. The unique identifier can be used as an authentication token and the one or more log-in credentials can be verified against log-in credentials associated with the user.
    Type: Application
    Filed: April 25, 2022
    Publication date: October 20, 2022
    Inventors: Tyler LOCKE, Kevin P. KELLY