Capital One Services, LLC

David Kelly Wurmfeld

Tyler Sylvain Locke

Kevin Grant Osborn

Adam R Koeppel

James Zarakas

Steve Faletti

Kevin Patrick Kelly

Janak Dadhaniya

Lisa Whitsitt

Robert N Smith

Theodore Markson

Saleem Ahmed Sangi

Brian Briggman

Karla M Escalante

Kevan Emmott

Brennon York

Alexander Medeiros

Michael Littlejohn

Rex Lacy

Jeff Pharr

Celina Liao

Spencer Cutrell

Michael Canavatchel

Michael Louie

Jade Garrett

Jeffrey Rule

Molly Elizabeth Johnson

Daniel John Marsch

Stephen Van Beek Faletti

Scott R Neilson

Michael Kidd

Charleston Malkemus

Michael Waldron

Rajko Ilincic

Bryant Alan Yee

Mitchell Miller

Cheng Xu

Matthew Wilson

James Byron Baugh, Jr

Christopher Hamilton Syer

Adam Koeppel

Robert Smith

Aspects described herein may provide detection of a feature of an authorization code image (ACI) incorporated onto a document, thereby allowing for validation of the document. According to some aspects, these and other benefits may be achieved by an instance of a variable protocol that may specify how to generate the ACI to have a particular feature as well as how to detect the particular feature of the ACI. A recipient of the document incorporating the ACI may detect the particular feature of the ACI. If the detected feature matches an expected feature, then the ACI and the document may be determined to be authentic.

Schemes to validate and protect secure documents

In some implementations, a transaction device may include a display screen, at least one photosensitive sensor configured to detect a luminance of a viewing surface of the display screen, and one or more processors. The one or more processors may be configured to monitor an output of the at least one photosensitive sensor, determine that the output is indicative of an obstruction on the display screen based on the output indicating a change to the luminance of the viewing surface of the display screen, and disable one or more operations of the transaction device based on determining that the output is indicative of the obstruction on the display screen.

Obstruction detection of a transaction device display screen

Systems and methods for securely generating and printing documents are disclosed. For example, processor(s) of a computer system may receive information for the document from a computing device through a network, verify the information for the document, and upon verification, generate document generation data using at least a portion of the information for the document. The document generation data may include document metadata that enables generation of an image of the document and/or the image of the document. Upon the processor(s) verifying first authentication information of a first code associated with a printing device received from the computing device through the network and second authentication information of a second code associated with the computing device received from the printing device through the network, the processor(s) may transmit the document generation data to the printing device through the network, and cause the printing device to print the image of the document.

Systems and methods for securely generating and printing a document

In certain embodiments, a personal network of devices including one or more wearable devices and one or more other devices may facilitate secure payment. In some embodiments, a first device of the personal network may be configured to store a plurality of virtual slots, where each of the plurality of virtual slots stores a virtual token associated with a financial account. A second device of the personal network may be configured to transmit, to a merchant device, user authentication data and a first virtual token stored in a first virtual slot to cause the merchant device to obtain information related to a financial account associated with the first virtual token to facilitate a payment transaction. Each of the first, the second device, and at least one other device of the personal network may include a short-range transceiver configured to relay information to one another as part of the personal network.

Secure payment using a network of wearable devices

An apparatus includes a bill feeder, a housing for holding a bill that is received from the bill feeder, sensors coupled to the housing, an ultraviolet (UV) lamp that emits ultraviolet light to illuminate a portion of the bill, a UV shutter to control a power of the ultraviolet light on the bill, a memory and a processor. The processor configured to determine at a property of the bill from a first output of a first sensor, to determine a bill contaminant on the bill from a second output from a second sensor, to retrieve a UV dose rate to be applied by the ultraviolet light needed to sterilize the bill based on the type of bill contaminant on the bill, the property of the bill, an illumination area or any combination thereof, and to apply the UV dose rate to the bill.

System and method for applying ultra violet light doses to currency bills

Computer implemented systems and methods are provided for an automatic teller machine. In some embodiments, an automatic teller machine may comprise a touch-sensitive display, one or more memory devices storing instructions, and one or more processors. The one or more processors may be configured to receive authentication data associated with a user, retrieve user profile information based on the authentication data, determine user interface attributes based on the user profile information; and generate an automatic teller machine interface based on the user profile information.

Personalized automatic teller machine

An electronic interaction device may include: a user interface configured to receive interaction requests by a user; a first data storage medium storing a first operating system; a second data storage medium storing a second operating system; a memory storing instructions; and a control unit including a processor. The control unit may be configured to: load the first operating system in response to the electronic interaction device being powered on; communicate with a remote server via a secure communications channel; transmit a status of the first operating system to the remote server via the secure communications channel; receive a boot instruction from the remote server via the secure communications channel; and in response to the boot instruction, load the second operating system.

Multi-boot architecture for electronic interaction device

In some embodiments, a near-field communication card may be provided with an NFC-field-strength visualization display and a transparent window through which the NFC-field-strength visualization display is visible. In some embodiments, a token (e.g., the NFC card) may be constructed to include an electromagnetic field visualization display, a radiofrequency communication antenna, and a first transparent region having a transparent surface through which the electromagnetic field visualization display is visible. In some embodiments, a first layer of a token may be provided, where the first layer includes an electromagnetic field visualization display and a radiofrequency communication antenna. A second layer of the token may be provided, where the second layer includes a first transparent region. The first and second layers may be bonded such that the electromagnetic field visualization display of the first layer is visible through the first transparent region of the second layer.

Card with field strength visualization display

An automated teller machine (ATM) has a display and a wireless communication interface. The ATM may detect a proximity of a mobile computing device and exhibit on its display an indication of the proximity of mobile computing device to the ATM. The ATM may also be configured to detect when the mobile computing device and the ATM have established a wireless communication connection and display a visual cue on the display that the wireless connection has been established. The ATM is configured to synchronize the display of the ATM with a display of the mobile computing device. The displays may be synched temporally and positionally and may display the same or related content, such as an image or animation at the same time.

Automated teller machine and mobile computing device with synchronized displays

Kiosk panel

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.

Smart card NFC secure money transfer

In some embodiments, an authentication system may be configured to process one or more tokens that incorporates one or more tailored-wavelength-range coded patterns, codes represented within a steganographic image, or 'overlapping' codes. As an example, such a token may include (i) one or more invisible-ink-printed patterns printed using infrared ink corresponding to different tailored wavelength ranges within the infrared light spectrum, (ii) one or more steganographic images in which invisible-ink-printed patterns are interweaved within the steganographic images, (iii) visible-ink-printed patterns and invisible-ink-printed patterns printed substantially within the visible ink portions of the visible-ink-printed patterns, or (iv) other features, where the invisible-ink-printed patterns correspond to one or more authentication codes or other data for token authentication.

Systems and methods for token authentication

A user can submit a request to a server associated with an ATM. The request can be submitted from a device (or portable device) of the user. The server can evaluate the request and designate which ATM or ATMs are best suited to process the request. This determination can be based on availability of resources on the ATM. Subsequently, the server can transmit a communication to the device of the user and the designated ATM. The communication can cause both the device and the ATM to emit a sound or display a visual cue to guide the user to approach the designated ATM. The device and the ATM can emit various patterns of sound to better guide the user to approach the designated ATM.

Synced audio signals between a device and ATM

Growing community of inventors

Fairfax Station, VA, United States of America

David Kelly Wurmfeld