Patents by Inventor Wayne Lutz

Wayne Lutz 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: 20250106033
    Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. 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.
    Type: Application
    Filed: December 9, 2024
    Publication date: March 27, 2025
    Inventors: Kaitlin NEWMAN, Colin HART, Latika GULATI, Abdelkader BENKREIRA, Sarah Jane CUNNINGHAM, Sophie BERMUDEZ, Michael MOSSOBA, Wayne LUTZ
  • Patent number: 12261960
    Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. 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.
    Type: Grant
    Filed: June 21, 2022
    Date of Patent: March 25, 2025
    Assignee: Capital One Services, LLC
    Inventors: Kevin Osborn, Jeffrey Rule, Paul Moreton, William Duane, Colin Hart, Kaitlin Newman, Lara Mossler, Daniel Herrington, Srinivasa Chigurupati, Ian Prince, Wayne Lutz
  • Publication number: 20250088362
    Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. 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.
    Type: Application
    Filed: November 22, 2024
    Publication date: March 13, 2025
    Inventors: Kaitlin NEWMAN, Kimberly HAYNES, Charles Nathan CRANK, Andrew COGSWELL, Colin HART, Jeffrey RULE, Lara MOSSLER, Latika GULATI, Abdelkader BENKREIRA, Sarah Jane CUNNINGHAM, Sophie BERMUDEZ, Michael MOSSOBA, Wayne LUTZ
  • Publication number: 20250021963
    Abstract: A device may receive a uniform resource locator (URL) and encrypted data. The device may download a first application from an application server based on the URL. The device may download and execute the first application. The first application may receive the encrypted data.
    Type: Application
    Filed: July 25, 2024
    Publication date: January 16, 2025
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey RULE, Wayne LUTZ, Paul MORETON
  • Publication number: 20240430673
    Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. 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.
    Type: Application
    Filed: November 16, 2023
    Publication date: December 26, 2024
    Inventors: Kaitlin NEWMAN, Kimberly HAYNES, Charles Nathan CRANK, Andrew COGSWELL, Colin HART, Jeffrey RULE, Lara MOSSLER, Latika GULATI, Abdelkader BENKREIRA, Sarah Jane CUNNINGHAM, Sophie BERMUDEZ, Michael MOSSOBA, Wayne LUTZ
  • Publication number: 20240428235
    Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. 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.
    Type: Application
    Filed: September 6, 2024
    Publication date: December 26, 2024
    Applicant: Capital One Services, LLC
    Inventors: Kaitlin NEWMAN, Colin HART, Jeffrey RULE, Lara MOSSLER, Sophie BERMUDEZ, Michael MOSSOBA, Wayne LUTZ, Charles Nathan CRANK, Melissa HENG, Kevin OSBORN, Kimberly HAYNES, Andrew COGSWELL, Latika GULATI, Sarah Jane CUNNINGHAM, James ASHFIELD
  • Patent number: 12175447
    Abstract: Systems, methods, apparatuses, and computer-readable media for secure generation of one-time passcodes using a contactless card. In one example, an operating system (OS) of a device may receive a uniform resource locator (URL) and a cryptogram from a contactless card. The OS may launch an application associated with the URL. The application may transmit the cryptogram to an authentication server. The application may receive a decryption result from the authentication server indicating the authentication server decrypted the cryptogram. Based on the decryption result, the application may request an OTP. The processor may receive an OTP from an OTP generator. The application may receive an input value and compare the input value to a copy of the OTP. The application may determine that the comparison results in a match, and display, based on the determination that the comparison results in the match, one or more attributes of the account.
    Type: Grant
    Filed: August 17, 2023
    Date of Patent: December 24, 2024
    Assignee: Capital One Services, LLC
    Inventors: Jason Ji, Jeffrey Rule, Colin Hart, Wayne Lutz
  • Publication number: 20240420151
    Abstract: A processor of a computing device may receive, from a contactless card, a uniform resource locator (URL) and a cryptogram. An operating system (OS) executing on the processor may open an application based on the URL. The application may transmit the cryptogram to an authentication server. The application may receive, based on the server verifying the cryptogram, an account number. The application may store the account number in a memory of the device.
    Type: Application
    Filed: August 26, 2024
    Publication date: December 19, 2024
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey RULE, Paul MORETON, Wayne LUTZ, Jason JI
  • Patent number: 12166892
    Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. 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.
    Type: Grant
    Filed: August 31, 2022
    Date of Patent: December 10, 2024
    Assignee: Capital One Services, LLC
    Inventors: Kaitlin Newman, Colin Hart, Latika Gulati, Abdelkader Benkreira, Sarah Jane Cunningham, Sophie Bermudez, Michael Mossoba, Wayne Lutz
  • Publication number: 20240405996
    Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. 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.
    Type: Application
    Filed: July 29, 2024
    Publication date: December 5, 2024
    Inventors: Kevin OSBORN, Jeffrey RULE, Paul MORETON, William DUANE, Colin HART, Kaitlin NEWMAN, Lara MOSSLER, Daniel HERRINGTON, Srinivasa CHIGURUPATI, Ian PRINCE, Wayne LUTZ
  • Patent number: 12155770
    Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. 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.
    Type: Grant
    Filed: December 7, 2022
    Date of Patent: November 26, 2024
    Assignee: Capital One Services, LLC
    Inventors: Kaitlin Newman, Kimberly Haynes, Charles Nathan Crank, Andrew Cogswell, Colin Hart, Jeffrey Rule, Lara Mossler, Latika Gulati, Abdelkader Benkreira, Sarah Jane Cunningham, Sophie Bermudez, Michael Mossoba, Wayne Lutz
  • Patent number: 12154097
    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: April 12, 2022
    Date of Patent: November 26, 2024
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Jeffrey Rule, Melissa Heng, James Ashfield, Colin Hart, Rajko Ilincic, Wayne Lutz
  • Patent number: 12147983
    Abstract: Systems and methods are directed to a modified device configuration for disposing a NFC compatible user card within a NFC field of a user mobile device so as to enable continuous proximity monitoring based on a status of an NFC link established between the card and the mobile device. The modified device configuration may be utilized to implement card tracking functionality by using a mobile application, running on the mobile device, to generate a timestamp upon detection of change in a connectivity status of the NFC link to the card. The timestamp NFC connectivity data may then be paired with mobile device GPS coordinates, concurrently retrieved from one or more mobile GPS-based navigation applications, to facilitate card tracking functionality as well as multi-factor validation for electronic transactions initiated by the NFC compatible card and/or the mobile device.
    Type: Grant
    Filed: January 13, 2023
    Date of Patent: November 19, 2024
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Kevin Osborn, Wayne Lutz
  • Publication number: 20240354754
    Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. 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.
    Type: Application
    Filed: March 15, 2024
    Publication date: October 24, 2024
    Applicant: Capital One Services, LLC
    Inventors: Kaitlin NEWMAN, Colin HART, Jeffrey RULE, Lara MOSSLER, Sophie BERMUDEZ, Michael MOSSOBA, Wayne LUTZ, Charles Nathan CRANK, Melissa HENG, Kevin OSBORN, Kimberly HAYNES, Andrew COGSWELL, Lutika GULATI, Sarah Jane CUNNINGHAM, James ASHFIELD
  • Patent number: 12125027
    Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. 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.
    Type: Grant
    Filed: September 28, 2021
    Date of Patent: October 22, 2024
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Kaitlin Newman, Kimberly Haynes, Charles Nathan Crank, Andrew Cogswell, Colin Hart, Jeffrey Rule, Lara Mossler, Latika Gulati, Abdelkader Benkreira, Sarah Jane Cunningham, Sophie Bermudez, Michael Mossoba, Wayne Lutz
  • Publication number: 20240338678
    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: June 4, 2024
    Publication date: October 10, 2024
    Inventors: Jeffrey RULE, Melissa HENG, James ASHFIELD, Colin HART, Rajko ILINCIC, Wayne LUTZ
  • Patent number: 12112322
    Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. 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.
    Type: Grant
    Filed: October 14, 2021
    Date of Patent: October 8, 2024
    Assignee: Capital One Services, LLC
    Inventors: Kaitlin Newman, Colin Hart, Jeffrey Rule, Lara Mossler, Sophie Bermudez, Michael Mossoba, Wayne Lutz, Charles Nathan Crank, Melissa Heng, Kevin Osborn, Kimberly Haynes, Andrew Cogswell, Latika Gulati, Sarah Jane Cunningham, James Ashfield
  • Patent number: 12106294
    Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. 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.
    Type: Grant
    Filed: June 29, 2021
    Date of Patent: October 1, 2024
    Assignee: Capital One Services, LLC
    Inventors: Kaitlin Newman, Colin Hart, Jeffrey Rule, Lara Mossler, Sophie Bermudez, Michael Mossoba, Wayne Lutz, Charles Nathan Crank, Melissa Heng, Kevin Osborn, Kimberly Haynes, Andrew Cogswell, Latika Gulati, Sarah Jane Cunningham, James Ashfield
  • Publication number: 20240323011
    Abstract: Systems and methods for accessing a web application through a contactless card are provided. The systems include a contactless card, a user device, and a server. The methods comprise tapping a card to a user device, directing the user device to a server associated with a web application, transmitting an authentication credential, validating the credential, and allowing the user device to access the web application.
    Type: Application
    Filed: March 21, 2023
    Publication date: September 26, 2024
    Inventors: Jeffrey RULE, Jason JI, Colin HART, Wayne LUTZ
  • Publication number: 20240289798
    Abstract: Systems and methods to provide secure cryptographic authentication, verification, functionality access, and payments between contactless cards and communication devices are provided. An exemplary communication device includes a system on a chip and generates a communication field, displays a prompt to tap a contactless card on the communication device, reads the contactless card after entry into the communication field, performs an authentication of the contactless card, and after a successful authentication of the contactless card, and performs a payment transaction.
    Type: Application
    Filed: January 9, 2024
    Publication date: August 29, 2024
    Applicant: Capital One Services, LLC
    Inventors: Bob Uni Koshy, Kevin Osborn, Paul Young Moreton, Wayne Lutz, Casey Barrett, Jonathan T. Blocksom