Transaction card mode related to locating a transaction card

• US 10,019,707 B1
• Filed: 10/24/2017
• Issued: 07/10/2018
• Est. Priority Date: 10/24/2017
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Inventors: Sangi, Saleem, Johnson, Molly, Perry, Robert, Koeppel, Adam
• Primary Examiner(s): Afshar, Kamran
• Assistant Examiner(s): Madani, Farideh
• Application Number:
  US15/792,503
• Time in Patent Office: 259 Days
• CPC Class Codes: G06K 19/0712 the arrangement being capable of triggering distinct operating modes or functions dependent on the strength of an energy or interrogation field in the proximity of the record carrier active means for hindering electromagnetic reading or writing G06K19/07336
• CPC Class Codes: G06K 19/07381 with deactivation or otherwise incapacitation of at least a part of the circuit upon detected tampering
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: H04B 17/318 Received signal strength
• CPC Class Codes: H04W 4/023 using mutual or relative location information between multiple location based services [LBS] targets or of distance thresholds
• CPC Class Codes: H04W 4/80 Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

Abstract

A transaction card may determine to initiate a mode associated with the transaction card. The mode may be related to locating the transaction card. The mode may be associated with outputting a first signal. The transaction card may determine a manner in which to configure the mode based on a set of parameters. The set of parameters may include a power level of the transaction card, or a strength of a second signal associated with a connection between the transaction card and a device associated with the transaction card. The transaction card may initiate the mode after configuring the mode. The transaction card may determine to terminate the mode based on an indication that the transaction card has been located.

Claims

1. A transaction card, comprising:

one or more memories; and

one or more processors, communicatively coupled to the one or more memories, to;

detect information related to a proximity of the transaction card and a device, the transaction card and the device being associated with each other;

determine to initiate a mode associated with the transaction card,

the mode being related to locating the transaction card,

the mode being associated with outputting a first signal;

determine a manner in which to configure the mode based on a set of parameters,

the set of parameters including;

a power level of the transaction card, or

a strength of a second signal associated with a connection between the transaction card and the device associated with the transaction card;

initiate the mode after configuring the mode;

determine that the information related to the proximity indicates that the proximity of the transaction card and the device satisfies a threshold;

trigger an alarm after determining that the information related to the proximity indicates that the proximity of the transaction card and the device satisfies the threshold,

the alarm including;

a light,

a sound, or

a vibration; and

determine to terminate the mode based on an indication that the transaction card has been located.

2. The transaction card of claim 1, where the one or more processors are further to:

receive, from the device, an indication to initiate the mode; and

where the one or more processors, when determining to initiate the mode, are to;

determine to initiate the mode after receiving the indication from the device.

3. The transaction card of claim 1, where the one or more processors are further to:

determine that the strength of the second signal satisfies a threshold; and

where the one or more processors, when determining to initiate the mode, are to;

determine to initiate the mode after determining that the strength of the second signal satisfies the threshold.

4. The transaction card of claim 1, where the set of parameters further includes:

pre-configured information associated with the mode,

a user preference of a user associated with the transaction card or the device, or

an amount of time since the strength of the second signal satisfied a threshold.

5. The transaction card of claim 1, where the one or more processors, when determining the manner in which to configure the mode, are to:

determine to configure the mode to transmit the first signal at an interval based on the set of parameters.

6. The transaction card of claim 1, where the one or more processors are further to:

determine to initiate another mode after determining to terminate the mode.

7. The transaction card of claim 1, where the one or more processors are further to:

receive the indication from the device or based on information related to the proximity of the transaction card and the device; and

where the one or more processors, when determining to terminate the mode, are to;

determine to terminate the mode after receiving the indication from the device or based on the information related to the proximity.

8. A non-transitory computer-readable medium storing instructions, the instructions comprising:

one or more instructions that, when executed by one or more processors, cause the one or more processors to;

detect information related to a proximity of a transaction card and a user device, the transaction card and the user device being associated with each other;

determine to initiate a mode associated with the transaction card based on the information related to the proximity of the transaction card and the user device,

the mode to cause the transaction card to output a signal to permit the transaction card to be located;

determine a manner in which to configure the mode based on a set of parameters;

initiate the mode after configuring the mode;

determine that the information related to the proximity indicates that the proximity of the transaction card and the user device satisfies a threshold;

trigger an alarm after determining that the information related to the proximity indicates that the proximity of the transaction card and the user device satisfies the threshold,

the alarm including;

a light,

a sound, or

a vibration; and

determine to terminate the mode based on an indication that the transaction card has been located.

9. The non-transitory computer-readable medium of claim 8, where the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:

receive, from the user device, the indication that the transaction card has been located; and

where the one or more instructions, that cause the one or more processors to determine to terminate the mode, cause the one or more processors to;

determine to terminate the mode after receiving the indication from the user device.

10. The non-transitory computer-readable medium of claim 8, where the one or more instructions, that cause the one or more processors to determine the manner in which to configure the mode, cause the one or more processors to:

determine to configure the mode to output the signal associated with the mode at a threshold power level; and

determine to configure the mode to output the signal at an interval.

11. The non-transitory computer-readable medium of claim 10, where the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:

output the signal at the interval after initiating the mode.

12. The non-transitory computer-readable medium of claim 8, where the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:

monitor the information related to the proximity of the transaction card and the user device;

receive the indication based on monitoring the information related to the proximity of the transaction card and the user device; and

where the one or more instructions, that cause the one or more processors to determine to terminate the mode, cause the one or more processors to;

determine to terminate the mode after receiving the indication.

13. The non-transitory computer-readable medium of claim 8, where the one or more instructions, that cause the one or more processors to determine to initiate the mode, cause the one or more processors to:

determine to initiate the mode based on a strength of another signal satisfying a threshold,

the other signal being associated with a connection between the transaction card and the user device.

14. The non-transitory computer-readable medium of claim 8, where the set of parameters further includes:

pre-configured information associated with the mode,

a user preference of a user associated with the transaction card or the user device, or

an amount of time since the strength of the other signal satisfied the threshold.

15. A method, comprising:

detecting, by a transaction card, information related to a proximity of the transaction card and a device,

the transaction card and the device being associated with each other;

determining, by the transaction card, to initiate a mode associated with the transaction card based on the information related to the proximity of the transaction card and the device with which the transaction card is associated;

determining, by the transaction card, a manner in which to configure the mode based on a set of parameters,

the set of parameters including;

a power level of the transaction card, or

a strength of a signal associated with a connection between the transaction card and the device;

initiating, by the transaction card, the mode after configuring the mode,

the mode facilitating location of the transaction card by causing the transaction card to output another signal;

monitoring, by the transaction card, the information related to the proximity of the transaction card and the device;

determining, by the transaction card, that the information related to the proximity indicates that the proximity of the transaction card and the device satisfies a threshold; and

triggering, by the transaction card, an alarm after determining that the information related to the proximity indicates that the proximity of the transaction card and the device satisfies the threshold,

the alarm including;

a light,

a sound, or

a vibration; and

determining, by the transaction card, to terminate the mode based on the information related to the proximity of the transaction card and the device.

16. The method of claim 15, further comprising:

transmitting the other signal at an interval for a threshold amount of time after determining the manner in which to configure the mode.

17. The method of claim 15,

where determining to initiate the mode comprises:

determining to initiate the mode after detecting the information related to the proximity of the transaction card and the device.

18. The method of claim 15, further comprising:

configuring the mode to transmit the other signal,

the other signal to facilitate location of the transaction card.

19. The method of claim 15, further comprising:

determining to initiate another mode after determining to terminate the mode,

the other mode being related to the connection between the transaction card and the device.

20. The method of claim 15, where the set of parameters further includes:

pre-configured information associated with the mode,

a user preference of a user associated with the transaction card or the device, or

an amount of time since the strength of the other signal satisfied the threshold.