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).

  • Patent number: 11563583
    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: February 24, 2022
    Date of Patent: January 24, 2023
    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: 11556668
    Abstract: Embodiments of a smart card and systems and methods for secure data access using a smart card are described. The smart card may be formed a substrate and may include a microprocessor, a memory containing an applet, a counter, and a unique identifier. The smart card may dynamically generate a unique uniform resource location (URL) and transmit the URL to via a contactless communication interface to securely facilitate data access from other devices.
    Type: Grant
    Filed: July 16, 2020
    Date of Patent: January 17, 2023
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Jeffrey Rule, Wayne Lutz, Paul Moreton, Kevin Osborn
  • Patent number: 11544717
    Abstract: A web browser may output a form comprising a payment field. A URL may be received from a communications interface of a contactless card, the URL comprising encrypted data generated by the contactless card based on a private key stored in a memory of the contactless card. An application may transmit the encrypted data to an authentication server, which may decrypt the encrypted data based on the private key. The application may receive, from a virtual account number server, a virtual account number. The application may receive an expiration date and a CVV. The application may copy the virtual account number to a clipboard of an OS. The OS may paste the virtual account number from the clipboard to the payment field of the form in the web browser. The OS may output a notification comprising the expiration date and the CVV associated with the virtual account number.
    Type: Grant
    Filed: July 22, 2021
    Date of Patent: January 3, 2023
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Paul Moreton, Wayne Lutz, Jason Ji
  • Publication number: 20220405741
    Abstract: An authentication application may receive, from a merchant application of a client device, a merchant identifier, a transaction identifier of a transaction, encrypted data, and a location of the client device. The authentication application may decrypt the encrypted data based at least in part on a private key. The authentication application may determine that the contactless card has been used to make a previous purchase with the merchant and that the location of the client device is within a threshold distance of a known location associated with a contactless card. A virtual account number generator may generate a virtual account number and transmit the merchant identifier, the transaction identifier, the virtual account number, an expiration date, and a card verification value (CVV) to a merchant server associated with the merchant to process the transaction using the transaction identifier, the virtual account number, the expiration date, and the CVV.
    Type: Application
    Filed: August 22, 2022
    Publication date: December 22, 2022
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey RULE, Paul MORETON, Lea CODY, Colin HART, Wayne LUTZ
  • Publication number: 20220405766
    Abstract: Systems and methods for authentication may include an authentication server. The authentication server may include a processor and a memory. The processor may be configured to receive an authentication request. The processor may be configured to transmit a notification. The processor may be configured to receive a response that is responsive to the notification, the response comprising a ciphertext and input data. The processor may be configured to generate a Fast Identity Online (FIDO) key pair including a FIDO public key and a FIDO private key. The processor may be configured to encrypt a challenge using the FIDO private key. The processor may be configured to transmit the FIDO public key to decrypt the challenge so as to complete the authentication request.
    Type: Application
    Filed: June 18, 2021
    Publication date: December 22, 2022
    Inventors: Jeffrey RULE, Wayne LUTZ
  • Publication number: 20220407723
    Abstract: Systems and methods for authentication may include an authenticator. The authenticator may include a processor and a memory. The processor may be configured to: receive one or more challenges; generate a first instruction, the first instruction including a request to retrieve a first Fast Identity Online (FIDO) key; transmit the first instruction; receive the first FIDO key; sign the one or more challenges using the first FIDO key; and transmit one or more signed challenges for validation using a second FIDO key.
    Type: Application
    Filed: June 18, 2021
    Publication date: December 22, 2022
    Inventors: Jeffrey RULE, Kevin OSBORN, Wayne LUTZ
  • Patent number: 11514431
    Abstract: A first application may output a form comprising payment fields. An operating system (OS) may receive, from a contactless card, a uniform resource locator (URL) comprising encrypted data. A second application received from the URL by the OS may be executed. The second application may transmit the encrypted data to an authentication server, the authentication server to verify the encrypted data. The second application may receive, from a virtual account number server, a virtual account number, an expiration date associated with the virtual account number, and a CVV associated with the virtual account number. The second application may provide the virtual account number, expiration date, and CVV to an autofill service of the OS. The autofill service of the OS may autofill the virtual account number the payment fields of the first application.
    Type: Grant
    Filed: July 29, 2019
    Date of Patent: November 29, 2022
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Wayne Lutz, Paul Moreton
  • Publication number: 20220368531
    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, which 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 via a designated email program. Upon validation of the first set of information by the one or more servers, the contactless card may be activated.
    Type: Application
    Filed: July 26, 2022
    Publication date: November 17, 2022
    Inventors: Jeffrey RULE, Melissa HENG, Wayne LUTZ, James ASHFIELD, Colin HART, Rajko ILINCIC
  • Patent number: 11501312
    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: Grant
    Filed: March 2, 2022
    Date of Patent: November 15, 2022
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Paul Moreton, Wayne Lutz, Jason Ji
  • Patent number: 11502844
    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: April 24, 2020
    Date of Patent: November 15, 2022
    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: 20220358299
    Abstract: An exemplary system, method, and computer-accessible medium can include, for example, storing on a first device a digital tag, the tag configured to be associated with at least one application on a second device, such that receipt of the tag on the second device launches the application on the second device; and emitting from the first device to a second device the digital tag; wherein the application on the second device is configured to launch in a special state when the second device is in at least one state from a pre-determined list of states.
    Type: Application
    Filed: September 16, 2021
    Publication date: November 10, 2022
    Inventors: Jeffrey RULE, Paul MORETON, Wayne LUTZ
  • Patent number: 11466880
    Abstract: An environmental control system includes a transmitting device for signaling to a receiver to activate an environmental control unit (ECU). The transmitting device includes a connector for removably installing and connecting to electrical power in the vehicle and a transmitter for transmitting a signal to a remote receiver. The ECU comprises of an exterior control panel and microprocessor-based controller for operating environmental devices within a facility or other defined space. When the controller receives an input from any of the receiver and an external environmental device, it activates at least one of the environmental devices. When the controller receives any such input that is outside a predefined range, the controller generates any of a visual or audible alarm and notifies a predetermined recipient.
    Type: Grant
    Filed: September 4, 2019
    Date of Patent: October 11, 2022
    Inventors: Wayne Lutz, Donald Lavrenz, Jr.
  • Patent number: 11469898
    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 3, 2020
    Date of Patent: October 11, 2022
    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: 20220318790
    Abstract: A device may receive, from a contactless card, 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: March 3, 2022
    Publication date: October 6, 2022
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey RULE, Wayne LUTZ, Paul MORETON
  • Patent number: 11455626
    Abstract: An authentication application may receive, from a merchant application of a client device, a merchant identifier, a transaction identifier of a transaction, encrypted data, and a location of the client device. The authentication application may decrypt the encrypted data based at least in part on a private key. The authentication application may determine that the contactless card has been used to make a previous purchase with the merchant and that the location of the client device is within a threshold distance of a known location associated with a contactless card. A virtual account number generator may generate a virtual account number and transmit the merchant identifier, the transaction identifier, the virtual account number, an expiration date, and a card verification value (CVV) to a merchant server associated with the merchant to process the transaction using the transaction identifier, the virtual account number, the expiration date, and the CVV.
    Type: Grant
    Filed: November 12, 2019
    Date of Patent: September 27, 2022
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Paul Moreton, Lea Cody, Colin Hart, Wayne Lutz
  • Patent number: 11444775
    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 21, 2019
    Date of Patent: September 13, 2022
    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: 20220284416
    Abstract: Contactless cards, apparatuses, computer-readable media, and methods for activating a contactless card. A contactless card may communicate, to a client device via a wireless communications interface, a network address associated with a web page. The contactless card may generate a cryptogram responsive to a request from the web page on the client device. The contactless card may communicate the cryptogram to the web page via the wireless communications interface. The contactless card may receive, from the web page, an instruction to activate a payment applet of the contactless card. The contactless card may activate the payment applet based on the instruction.
    Type: Application
    Filed: May 24, 2022
    Publication date: September 8, 2022
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey RULE, Wayne LUTZ
  • Publication number: 20220284178
    Abstract: Embodiments discussed here are directed to systems, methods, and techniques to automatically populate sensitive data in electronic forms or fields.
    Type: Application
    Filed: March 4, 2021
    Publication date: September 8, 2022
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey RULE, Kevin OSBORN, Wayne LUTZ
  • Publication number: 20220284417
    Abstract: Systems, apparatuses, computer-readable media, and methods for activating a contactless card. A server may transmit, to a web browser on a client device, a web page. The server may receive, from the web browser, a request to activate a contactless card, the request including a cryptogram. The server may decrypt the cryptogram based on a key associated with the contactless card. The server may transition, based on the decryption of the cryptogram, the contactless card from an inactive payment state to an active payment state. The server may transmit, to the web page and based on the transition of the contactless card from the inactivated payment state to the activated payment state, an indication to activate a payment applet of the contactless card.
    Type: Application
    Filed: May 24, 2022
    Publication date: September 8, 2022
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey RULE, Wayne LUTZ
  • Patent number: 11438164
    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, which 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 via a designated email program. Upon validation of the first set of information by the one or more servers, the contactless card may be activated.
    Type: Grant
    Filed: July 29, 2020
    Date of Patent: September 6, 2022
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Jeffrey Rule, Melissa Heng, Wayne Lutz, James Ashfield, Colin Hart, Rajko Ilincic