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: 20210288525
    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: May 28, 2021
    Publication date: September 16, 2021
    Inventors: Adam KOEPPEL, Tyler LOCKE
  • Publication number: 20210287221
    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: Application
    Filed: May 27, 2021
    Publication date: September 16, 2021
    Applicant: Capital One Services, LLC
    Inventors: David WURMFELD, Tyler LOCKE, James ZARAKAS, Adam KOEPPEL
  • Patent number: 11120322
    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: Grant
    Filed: November 6, 2019
    Date of Patent: September 14, 2021
    Assignee: Capital One Services, LLC
    Inventors: Adam Koeppel, Tyler Locke
  • Patent number: 11121588
    Abstract: Using inductive currents to wirelessly charge a device via a device connected to a power source. This inductive charging may result when a first mobile device recognizes a second mobile device via a wireless connection (e.g., Bluetooth, Bluetooth Low Energy (BLE), Near-Field Communication (NFC), or the like). An application stored on the first mobile device may recognize a second mobile device by transmitting an advertising packet when the first mobile device is connected to a power source. An advertising packet may be received by the second mobile device and the second mobile device may transmit a response to the advertising packet in order to generate a connection between the first and second mobile devices. The response may include data such as, connection strength, response time, connection preferences, and the like. Upon detection and connection, the second mobile device may be wirelessly charged by the first device via inductive charging.
    Type: Grant
    Filed: November 11, 2019
    Date of Patent: September 14, 2021
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Adam Koeppel, Tyler Locke, David Wurmfeld
  • Patent number: 11106959
    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: Grant
    Filed: February 14, 2020
    Date of Patent: August 31, 2021
    Assignee: Capital One Services, LLC
    Inventors: Adam R. Koeppel, Molly Johnson, Tyler Locke, James Zarakas
  • Patent number: 11093923
    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: Grant
    Filed: June 24, 2019
    Date of Patent: August 17, 2021
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Tyler Locke, Kevin Kelly, David Wurmfeld
  • Publication number: 20210248595
    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: April 30, 2021
    Publication date: August 12, 2021
    Inventors: James ZARAKAS, Tyler LOCKE
  • Patent number: 11087325
    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: September 16, 2019
    Date of Patent: August 10, 2021
    Assignee: Capital One Services, LLC
    Inventors: David Wurmfeld, Tyler Locke, James Zarakas, Adam Koeppel
  • Publication number: 20210224625
    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 25, 2021
    Publication date: July 22, 2021
    Inventors: Adam KOEPPEL, James ZARAKAS, Molly JOHNSON, Tyler LOCKE
  • Publication number: 20210192310
    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: Application
    Filed: February 12, 2021
    Publication date: June 24, 2021
    Inventors: David Wurmfeld, James Zarakas, Theodore Markson, Saleem Sangi, Tyler Locke, Kevin P. Kelly
  • Publication number: 20210174363
    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: December 4, 2019
    Publication date: June 10, 2021
    Inventors: Tyler LOCKE, Kevin P. KELLY
  • Patent number: 11031816
    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: Grant
    Filed: December 18, 2019
    Date of Patent: June 8, 2021
    Assignee: Capital One Services, LLC
    Inventors: Adam Koeppel, Tyler Locke
  • Patent number: 10997588
    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 detect and identify a card free fall and/or subsequent impact, which may trigger a microcontroller to send a mobile notification to a cardholder notifying the user that the card has been dropped, and/or may disable or deactivate the card and/or a user account associated with the card, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, 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: June 5, 2019
    Date of Patent: May 4, 2021
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Tyler Locke, David Wurmfeld, Adam Koeppel, Kevin Kelly, James Zarakas
  • Patent number: 10997591
    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: March 20, 2020
    Date of Patent: May 4, 2021
    Assignee: Capital One Services, LLC
    Inventors: James Zarakas, Tyler Locke
  • Patent number: 10990962
    Abstract: A dynamic transaction card with a display for providing barcodes is described. The barcodes can be generated by driving individual light emitting diodes (LEDs) of the display at frequencies of greater than 50 Hz. Due to the high frequency, the barcode can be readable by a barcode scanner, while remaining invisible to the human eye. The barcode can also be generated by driving a first set of LEDs at a different frequency and/or time interval than a second set of LEDs. Light waves from the first set of LEDs can constructively interfere with light waves from the second set of LEDs to create spatial voids readable by the barcode scanner.
    Type: Grant
    Filed: August 29, 2019
    Date of Patent: April 27, 2021
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: David Wurmfeld, Tyler Locke
  • Publication number: 20210111760
    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: December 18, 2020
    Publication date: April 15, 2021
    Inventors: Adam KOEPPEL, Tyler LOCKE, Kevin KELLY, Robert PERRY, James ZARAKAS
  • Patent number: 10929740
    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: September 19, 2019
    Date of Patent: February 23, 2021
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: David Wurmfeld, James Zarakas, Theodore Markson, Saleem Sangi, Tyler Locke, Kevin Kelly
  • Publication number: 20210049279
    Abstract: An electronic device, such as a dynamic transaction card having a chip, an applet, and a cryptographic coprocessor performs secure firmware and/or software updates, and performs firmware and/or software validation for firmware and/or software that is stored on the electronic device. Validation may compare a calculated checksum with a checksum stored in the device. If a checksum calculated for a firmware and/or a software application matches a stored checksum, the transaction card may operate normally. If a checksum calculated for a firmware and/or a software application does not match the stored checksum, the transaction card may freeze all capabilities, erase the memory of the transaction card, display data indicative of fraud, and/or the like.
    Type: Application
    Filed: October 30, 2020
    Publication date: February 18, 2021
    Inventors: James Zarakas, David Wurmfeld, Brennon York, Tyler Locke
  • Patent number: 10923925
    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: February 6, 2020
    Date of Patent: February 16, 2021
    Assignee: Capital One Services, LLC
    Inventors: David Wurmfeld, Tyler Locke
  • Patent number: 10902413
    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 LED display components as a photosensor.
    Type: Grant
    Filed: October 3, 2019
    Date of Patent: January 26, 2021
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: David Wurmfeld, Tyler Locke