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1. 发明申请

WO2016168436A1 DYNAMIC TRANSACTION CARD WITH EMV INTERFACE AND METHOD OF MANUFACTURING 审中-公开
标题翻译：具有EMV接口的动态交易卡和制造方法
公开(公告)号：WO2016168436A1
公开(公告)日：2016-10-20
申请号：PCT/US2016/027492
申请日：2016-04-14
申请人： CAPITAL ONE SERVICES, LLC
发明人： WURMFELD, David , LOCKE, Tyler , KOEPPEL, Adam R.
IPC分类号： G06K19/077 , G06K19/067 , G06K19/07 , G06K19/18
CPC分类号： G07F7/10 , G06K19/0772 , G06K19/07722 , G06K19/07724 , G06Q20/341
摘要： A dynamic transaction card with EuroPay-Mastercard-Visa ("EMV") technology that includes an EMV interface connecting EMV contacts and an EMV processor to enable a multifunctional dynamic transaction card. A method of manufacturing a dynamic transaction card with an EMV interface connecting EMV contacts and an EMV processor. A dynamic transaction card with an EMV interface may be manufactured using a separate printed circuit board (PCB) layout with EMV contact patterns placed into the top surface of a molding to create the dynamic transaction card. The edges of the EMV contact patterns would be incorporated through holes, which are trimmed to scallops, to allow for surface mounting. The EMV interface may then include a connection between the EMV contact patterns and the EMV microprocessor such that the EMV microprocessor does not have to be placed directly beneath the EMV contact patterns.
摘要翻译：具有EuroPay-Mastercard-Visa（“EMV”）技术的动态交易卡，其包括连接EMV触点和EMV处理器的EMV接口，以实现多功能动态交易卡。一种用EMV接口连接EMV触点和EMV处理器的动态交易卡的制造方法。具有EMV接口的动态交易卡可以使用单独的印刷电路板（PCB）布局来制造，其中EMV接触图案放置在模制品的顶表面中以创建动态交易卡。 EMV接触图案的边缘将被并入通过孔，其被修剪成扇贝，以允许表面安装。然后，EMV接口可以包括EMV接触图形和EMV微处理器之间的连接，使得EMV微处理器不必直接置于EMV接触图案之下。

2. 发明申请

WO2021011297A1 BODY AREA NETWORK FACILITATED AUTHENTICATION OR PAYMENT AUTHORIZATION 审中-公开
公开(公告)号：WO2021011297A1
公开(公告)日：2021-01-21
申请号：PCT/US2020/041373
申请日：2020-07-09
申请人： CAPITAL ONE SERVICES, LLC
发明人： OSBORN, Kevin , RULE, Jeffrey , WURMFELD, David
IPC分类号： H04L29/06 , G06Q20/32 , H04L9/32 , H04B13/00
摘要： Disclosed are examples of a method, a wearable device and a system enabling authentication of a user of a payment account or completion of a purchase transaction via signals generated by the wearable device. A process may include a wearable device generating a modulated signal using an encryption algorithm. The modulated signal may contain authentication information related to the wearable device including a cryptographic authentication message. The modulated signal is output to a biological medium interface of the wearable device that is coupled to a biological medium of a wearer of the wearable device. The biological medium is operable to conduct the modulated signal. A receiving device processes including decrypting and demodulating the modulated signal received from the biological medium. Using the demodulated signal, the authentication information transmitted from the wearable device is obtained. Based on the obtained authentication information, a transaction may be authorized, or a user authenticated.

3. 发明申请

WO2016168457A1 DYNAMIC TRANSACTION CARD POWER MANAGEMENT 审中-公开
标题翻译：动态交易卡电源管理
公开(公告)号：WO2016168457A1
公开(公告)日：2016-10-20
申请号：PCT/US2016/027526
申请日：2016-04-14
申请人： CAPITAL ONE SERVICES, LLC
发明人： LOCKE, Tyler , WURMFELD, David , ZARAKAS, James , KOEPPEL, Adam R.
IPC分类号： G06K19/067 , G06K19/077
CPC分类号： G06K19/0704 , G06K19/0701 , G06K19/0702 , G06K19/0703 , G06K19/0707
摘要： A printed circuit board ("PCB") with a power source. The PCB and power source combination may be inserted into a small electronic device, such as a dynamic transaction card, which may include a dynamic transaction card or a EuroPay-MasterCard-Visa ("EMV") card. For example, a PCB may be manufactured to attach a battery as a power source to one side of a PCB such that the integrated battery directly connects with at least a portion of the PCB side. A rapid energy storage device may also be utilized as a power source. Energy may be harvested from an EMV terminal to charge or recharge a dynamic transaction card or EMV card powered by a rapid energy storage device when the card is inserted into the terminal.
摘要翻译：具有电源的印刷电路板（“PCB”）。 PCB和电源组合可以插入诸如动态交易卡的小型电子设备中，动态交易卡可以包括动态交易卡或EuroPay-MasterCard-Visa（“EMV”）卡。例如，可以制造PCB以将电池作为电源附接到PCB的一侧，使得集成电池直接与PCB侧的至少一部分连接。快速储能装置也可以用作电源。当卡插入终端时，可以从EMV终端收取能量以对由快速储能装置供电的动态交易卡或EMV卡进行充电或再充电。

4. 发明申请

WO2016168438A1 A SYSTEM, METHOD, AND APPARATUS FOR UPDATING AN EXISTING DYNAMIC TRANSACTION CARD 审中-公开
标题翻译：用于更新现有动态交易卡的系统，方法和装置
公开(公告)号：WO2016168438A1
公开(公告)日：2016-10-20
申请号：PCT/US2016/027494
申请日：2016-04-14
申请人： CAPITAL ONE SERVICES, LLC
发明人： ZARAKAS, James , KOEPPEL, Adam, R. , KELLY, Kevin, P. , WURMFELD, David
IPC分类号： G06Q30/02 , G06Q99/00 , G06K1/12
CPC分类号： G06Q30/0601 , G06K19/06187 , G06K19/0704 , G06K19/07707 , G06Q20/32 , G06Q20/3278 , G06Q20/341 , G06Q20/354 , G06Q20/3552 , G06Q20/3572
摘要： A system for securely updating an electronic transaction card held by an account holder with an additional account and/or account data. A dynamic transaction card may be securely updated with an additional account by using pre-stored shell data and/or inactive data, whereby the pre-stored shell data may be populated using data received from an issuer system and/or the inactive data may be activated via an activation signal received from an issuer system. A backend server may determine, via a fraud determination, expiration determination, and/or user-request, that new account data should be transmitted to an account holder. The dynamic transaction card may receive the data associated with a notification, update a display, instruct an EMV applet to use a key associated with a received EMV key identifier for signatures, and/or update any additional data stored on the dynamic transaction card.
摘要翻译：一种用于由帐户持有人持有的电子交易卡安全地更新附加帐户和/或帐户数据的系统。通过使用预先存储的shell数据和/或非活动数据，动态交易卡可以通过附加帐户被安全地更新，由此可以使用从发行者系统接收的数据填充预存储的外壳数据和/或非活动数据可以是通过从发行者系统接收的激活信号激活。后端服务器可以通过欺诈判定确定到期确定和/或用户请求，将新的账户数据发送到账户持有者。动态交易卡可以接收与通知相关联的数据，更新显示器，指示EMV小应用程序使用与所接收的EMV密钥标识符相关联的密钥进行签名，和/或更新存储在动态交易卡上的任何附加数据。

5. 发明申请

WO2020176314A1 TECHNIQUES TO REDUCE POWER CONSUMPTION IN NEAR FIELD COMMUNICATION SYSTEMS 审中-公开
公开(公告)号：WO2020176314A1
公开(公告)日：2020-09-03
申请号：PCT/US2020/018936
申请日：2020-02-20
申请人： CAPITAL ONE SERVICES, LLC
发明人： OSBORN, Kevin , WURMFELD, David , EMMOTT, Kevan
IPC分类号： H04B5/00 , G06K7/00 , G06K7/10
摘要： Various embodiments are generally directed to techniques communicate in a cellular communication frequency range, detect a resonant signal in response to the communication in the cellular communication frequency range for cellular communication, the resonant signal to indicate presence of a contactless card. Embodiments also include enabling a near-field communication device to send a communication to the contactless card based on the detection of the resonant signal, the near-field communication device to communicate with the contactless card in a near-field communication frequency range.

6. 发明申请

WO2016168475A1 SYSTEMS AND METHODS FOR SECURE FIRMWARE VALIDATION 审中-公开
标题翻译：用于安全固件验证的系统和方法
公开(公告)号：WO2016168475A1
公开(公告)日：2016-10-20
申请号：PCT/US2016/027554
申请日：2016-04-14
申请人： CAPITAL ONE SERVICES, LLC
发明人： ZARAKAS, James , WURMFELD, David , YORK, Brennon , LOCKE, Tyler
IPC分类号： G06F9/44 , G06F9/445
CPC分类号： G06F8/654 , G06F21/00
摘要： An electronic device, such as a dynamic transaction card having an EMV chip, that acts as a TPM having a memory, 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 EMV chip memory. If a checksum calculated for firmware and/or a software application matches a checksum stored in EMV chip memory of the transaction card, the transaction card may operate normally. If a checksum calculated for firmware and/or a software application does not match a checksum stored in EMV chip memory of the transaction card, the transaction card may freeze all capabilities, erase the memory of the transaction card, display data indicative of a fraudulent or inactive transaction card, and/or the like.
摘要翻译：诸如具有EMV芯片的动态交易卡的电子设备充当具有存储器的TPM，小应用程序和密码协处理器执行安全的固件和/或软件更新，并对固件执行固件和/或软件验证和/或存储在电子设备上的软件。验证可以将计算的校验和与存储在EMV芯片存储器中的校验和进行比较。如果为固件和/或软件应用计算的校验和与存储在交易卡的EMV芯片存储器中的校验和匹配，则交易卡可以正常运行。如果为固件和/或软件应用计算的校验和与存储在交易卡的EMV芯片存储器中的校验和不匹配，则交易卡可以冻结所有功能，擦除交易卡的存储器，显示表示欺诈性的数据，非活动交易卡和/或类似物。

7. 发明申请

WO2016168442A1 A SYSTEM, METHOD, AND APPARATUS FOR A DYNAMIC TRANSACTION CARD 审中-公开
标题翻译：一种动态交易卡的系统，方法和装置
公开(公告)号：WO2016168442A1
公开(公告)日：2016-10-20
申请号：PCT/US2016/027499
申请日：2016-04-14
申请人： CAPITAL ONE SERVICES, LLC.
发明人： WURMFELD, David , LOCKE, Tyler
IPC分类号： G06Q20/34 , G06K19/06 , G06K19/07 , G06Q20/32 , G06Q20/40
CPC分类号： G06K19/07707 , G06K19/0704 , G06K19/0716 , G06Q20/04 , G06Q20/10 , G06Q20/352 , G06Q20/353 , G06Q20/354 , G07F7/0833 , G07F7/0846
摘要： 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 display components as a barcode generator.
摘要翻译：动态交易卡，其包括多个层，每个层可彼此互连。例如，动态交易卡可以包括外层，封装层，传感器层，显示层（包括例如LED，点阵显示器等），存储固件的微控制器/微处理器，Java 小应用程序，Java小程序集成等，EMV处理器，能量存储组件，一个或多个天线（例如，蓝牙天线，NFC天线等），电源管理组件，柔性印刷电路板（PCB），底盘和/或卡背衬层。显示层可以包括诸如将显示组件用作条形码产生器的增强特征。

8. 发明申请

WO2016168398A1 A SYSTEM, METHOD, AND APPARATUS FOR A DYNAMIC TRANSACTION CARD 审中-公开
标题翻译：一种动态交易卡的系统，方法和装置
公开(公告)号：WO2016168398A1
公开(公告)日：2016-10-20
申请号：PCT/US2016/027425
申请日：2016-04-14
申请人： CAPITAL ONE SERVICES, LLC.
发明人： WURMFELD, David , LOCKE, Tyler
IPC分类号： G06K19/07 , G06Q20/04 , G06Q20/10
CPC分类号： G06K19/07707 , G06K19/0704 , G06K19/0716 , G06Q20/04 , G06Q20/10 , G06Q20/352 , G06Q20/353 , G06Q20/354 , G07F7/0833 , G07F7/0846
摘要： 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.
摘要翻译：动态交易卡，其包括多个层，每个层可彼此互连。例如，动态交易卡可以包括外层，封装层，传感器层，显示层（包括例如LED，点阵显示器等），存储固件的微控制器/微处理器，Java 小应用程序，Java小程序集成等，EMV处理器，能量存储组件，一个或多个天线（例如，蓝牙天线，NFC天线等），电源管理组件，柔性印刷电路板（PCB），底盘和/或卡背衬层。显示层可以包括诸如使用LED显示部件作为光传感器的增强特征。

9. 发明申请

WO2021133496A1 METHOD FOR MAPPING NFC FIELD STRENGTH AND LOCATION ON MOBILE DEVICES 审中-公开
公开(公告)号：WO2021133496A1
公开(公告)日：2021-07-01
申请号：PCT/US2020/061870
申请日：2020-11-23
申请人： CAPITAL ONE SERVICES, LLC
发明人： OSBORN, Kevin , WURMFELD, David
IPC分类号： H04W4/80 , G01R33/028 , G01R33/072 , G01R33/10 , G06K7/10336 , G06K7/10386 , H04B5/0031 , H04B5/0043
摘要： Various embodiments are directed to a method and system for mapping or visualizing the magnetic fields and their associated field strengths of an object, such as a mobile computing device. An example source of the magnetic fields may be a near-field communication (NFC) reader configured in the object. A computer vision system or device may track a visual marker arranged near or on a magnetic field strength detector in order to associate, match, or map the magnetic field strength measurement readings of the detector at different positions or locations on the object. The computer vision system may generate and display a heat map of the object based on at least the magnetic field strength measurements and their relative positions.

10. 发明申请

WO2021097167A1 IR DISPLAY FOR USER AUTHENTICATION 审中-公开
公开(公告)号：WO2021097167A1
公开(公告)日：2021-05-20
申请号：PCT/US2020/060352
申请日：2020-11-13
申请人： CAPITAL ONE SERVICES, LLC
发明人： PHARR, Jeff , WURMFELD, David
IPC分类号： G07F19/00 , G06K7/14 , G06K19/06 , G06K17/00
摘要： A device for conducting a transaction by generating and displaying QR codes in the infrared spectrum, by generating a first QR code; displaying the first QR code via the infrared array for a predetermined duration of time; receiving a confirmation that a user device has entered paired state with the automated teller machine based on the user device scanning the first QR code; receiving authentication data indicating that the paired user device is authorized to complete the transaction; completing the transaction.

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