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公开(公告)号：US12216757B2
公开(公告)日：2025-02-04
申请号：US18425019
申请日：2024-01-29
Applicant: Capital One Services, LLC
Inventor： Rajko Ilincic , Jeffrey Rule
Abstract: An authentication system comprises a browser extension and a password manager application. The browser extension can be configured for execution on a first user device. The browser extension can be configured to display a response code and receive a login credential from a server. The response code can comprise a unique session identifier identifying the browser extension and a user browsing session. The password manager application can be configured for execution on a second user device. The second user device can have a scanner configured to scan the response code. The password manager application can be configured to extract the unique session identifier, parse the unique session identifier into session identifier content, send a portion of the session identifier content to the server, receive an approval from a user of the second user device, and send a notification to the server.
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公开(公告)号：US12106285B2
公开(公告)日：2024-10-01
申请号：US17941346
申请日：2022-09-09
Applicant: Capital One Services, LLC
Inventor： Jeffrey Rule , Daniel Herrington , Rajko Ilincic
CPC classification number: G06Q20/354 , G06Q20/352 , G06Q20/409 , H04L9/321 , G06Q20/1085 , G06Q20/20 , G06Q2220/00
Abstract: Example embodiments relate to performing activation techniques for contactless cards. For example, embodiments may include performing a near-field communication (NFC) exchange with a contactless card, processing a message comprising data to activate the contactless card, communicating the data to a server to activate the contactless card; and receiving a response from the server, the response to indicate whether the contactless card is successfully activated or not successfully activated.
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公开(公告)号：US12056692B2
公开(公告)日：2024-08-06
申请号：US17689705
申请日：2022-03-08
Applicant: Capital One Services, LLC
Inventor： Rajko Ilincic , Jeffrey Rule , Daniel Herrington
CPC classification number: G06Q20/3829 , G06Q20/352 , G06Q20/401
Abstract: System and methods of contactless card authentication systems include a contactless card and a client device having an application, a processor, and a card reader. An application on the client device receives a transaction lockdown request, sends a request to the server to begin to allow a transaction approval within a time period, receives the transaction approval via an authentication tap from the contactless card, sends the transaction approval to the server; and receive an allowance or disallowance response from the server.
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公开(公告)号：US11900354B2
公开(公告)日：2024-02-13
申请号：US17961232
申请日：2022-10-06
Applicant: CAPITAL ONE SERVICES, LLC
Inventor： Adam R. Koeppel , James Zarakas , Molly Johnson , Tyler Locke , Rajko Ilincic , Kevan Emmott
CPC classification number: G06Q20/3278 , G06Q20/3224 , G06Q20/382
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.
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公开(公告)号：US11831359B2
公开(公告)日：2023-11-28
申请号：US17672456
申请日：2022-02-15
Applicant: Capital One Services, LLC
Inventor： Jeffrey Rule , Rajko Ilincic
CPC classification number: H04B5/0031 , G06K7/10217 , H02J50/40 , H04B5/0037 , H02J50/80
Abstract: Various embodiments are directed to dynamically and temporarily adjusting power to an NFC reader of a computing device from a first power level to a second power level based on a feedback mechanism between a contactless card and the computing device. The contactless card may provide a message containing a checksum. The computing device may receive the message and calculate a checksum based on the received message. By comparing these two checksums, it may be determined whether the entire message has been correctly received. If not, the power to the NFC reader may be temporarily increased to allow better communication between the contactless card and the computing device.
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Patent Agency Ranking
公开(公告)号：US11494757B2
公开(公告)日：2022-11-08
申请号：US16169768
申请日：2018-10-24
Applicant: Capital One Services, LLC
Inventor： Adam R. Koeppel , James Zarakas , Molly Johnson , Tyler Locke , Rajko Ilincic , Kevan Emmott
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.
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公开(公告)号：US11438164B2
公开(公告)日：2022-09-06
申请号：US16942118
申请日：2020-07-29
Applicant: Capital One Services, LLC
Inventor： Jeffrey Rule , Melissa Heng , Wayne Lutz , James Ashfield , Colin Hart , Rajko Ilincic
IPC: H04L9/32 , H04L9/14 , H04L9/08 , H04W12/00 , G06F21/30 , G06F21/44 , G06F21/35 , H04W12/03 , H04W12/47
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.
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公开(公告)号：US11321546B2
公开(公告)日：2022-05-03
申请号：US16942205
申请日：2020-07-29
Applicant: Capital One Services, LLC
Inventor： Jeffrey Rule , Daniel Herrington , Colin Hart , Kevin Osborn , Melissa Heng , Rajko Ilincic , Jason Ji
Abstract: Example embodiments of systems and methods for data transmission between a contactless card and a receiving application are provided. The transmitting device may include a processor, memory, and communication interface. A receiving application may include instructions for execution on a receiving device having a processor, a memory, a communication interface configured to create a communication field for data communication with the transmitting device, and one or more sensors. Upon movement of the transmitting device, the receiving application is configured to receive, via one or more sensors, feedback information associated with the transmitting device, display one or more instructions regarding the position of the transmitting device relative to the receiving device until the transmitting device enters the communication field. Upon entry into the communication field, the transmitting device is configured to transmit data to the receiving device.
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公开(公告)号：US11182771B2
公开(公告)日：2021-11-23
申请号：US16514427
申请日：2019-07-17
Applicant: Capital One Services, LLC
Inventor： Jeffrey Rule , Rajko Ilincic
Abstract: Various embodiments are directed to using a near-filed communication (NFC) contactless card to perform one or more transactions within a vehicle. For example, a user may load value (money, funds, digital currency, etc.) onto an in-vehicle device (transponder, badge, card, etc.) by performing one-tap authentication or one-tap payment, or both, via the contactless card. Thus, even under time-constrained circumstances, payment may be loaded to the in-vehicle device in a quick, efficient, and safe manner.
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10.发明授权公开(公告)号：US11030339B1
公开(公告)日：2021-06-08
申请号：US16863750
申请日：2020-04-30
Applicant: Capital One Services, LLC
Inventor： Rajko Ilincic , Jeffrey Rule
Abstract: Systems and methods for controlling data access through the interaction of a short-range transceiver, such as a contactless card, with a client device are presented. An exemplary system and method may include establishing a database storing identifiers and keys for users and service providers, receiving from a client device of the service provider, via a network, a service provider token and a request for a data access key, the request generated in response to a tap action between a contactless card associated with a user and the client device, verifying the service provider is authorized to receive access to personal user data encrypted and stored on the contactless card, generating a data access key based on a user key, and transmitting to the service provider client device, via the network, the data access key, such that the client device may decrypt the personal user data obtained from the contactless card.
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