Configuring a set of applets on a battery-less transaction card

• US 10,043,122 B1
• Filed: 01/19/2018
• Issued: 08/07/2018
• Est. Priority Date: 01/19/2018
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Inventors: Koeppel, Adam, Zarakas, James, Johnson, Molly, Locke, Tyler
• Primary Examiner(s): Labaze, Edwyn
• Application Number:
  US15/875,271
• Time in Patent Office: 200 Days
• Field of Search: 235375, 235487, 235441, 235449, 235493
• CPC Class Codes: G06K 19/045 the record carrier being of the non-contact type, e.g. RFID, and being specially adapted for attachment to a disc, e.g. a CD or DVD
• CPC Class Codes: G06K 19/0707 the arrangement being capable of collecting energy from external energy sources, e.g. thermocouples, vibration, electromagnetic radiation G06K19/0702 takes precedence
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G06Q 20/3563 Software being resident on card
• CPC Class Codes: G06Q 20/3672 initialising or reloading thereof
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A transaction card may power on the transaction card using electric current induced from an interaction of the transaction card with an electromagnetic field. The transaction card may establish a communication with a device. The communication may indicate that the transaction card has powered. The transaction card may receive, from the device, a set of instructions to configure a set of applets on the transaction card after notifying the device that the transaction card has powered on. The set of applets to be configured may be related to completing one or more different transactions. The set of applets to be configured may be different than another set of applets already configured on the transaction card. The transaction card may configure the set of applets on the transaction card according to the set of instructions after receiving the set of instructions.

Claims

1. A transaction card, comprising:

one or more memories; and

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

power on the transaction card using electric current induced from an interaction of the transaction card with an electromagnetic field of a device;

establish a communication with the device or another device, the communication indicating that the transaction card has powered on after powering on the transaction card;

determine a geographic location of the transaction card using location information after powering on the transaction card;

determine a set of applets to be selectively enabled or disabled based on the geographic location of the transaction card, one or more applets to be enabled, of the set of applets, being related to completing one or more different transactions, and one or more applets to be enabled, of the set of applets, being different than another set of applets already configured on the transaction card; and

selectively enable or disable the set of applets on the transaction card.

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

detect that a near-field communication (NFC) component of the transaction card is within the electromagnetic field of the device; and

where the one or more processors, when powering on the transaction card, are configured to;

power on the transaction card using the electric current induced via the interaction with the electromagnetic field after determining that the NFC component is within the electromagnetic field.

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

disable the other set of applets configured on the transaction card based on selectively enabling the set of applets on the transaction card.

4. The transaction card of claim 1, where the one or more processors, when selectively enabling or disabling the set of applets, are configured to:

enable one or more first particular applets of the set of applets on the transaction card, and disable one or more second particular applets of the set of applets.

5. The transaction card of claim 1, where the device includes:

a user device,

a transaction terminal, or

a docking station.

6. The transaction card of claim 1, where the other device includes:

a user device, or

a transaction backend device.

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

configure a display to display information identifying the set of applets configured on the transaction card after selectively enabling the set of applets; and

power off the transaction card after configuring the display, the display being configured to display the information after the transaction card has powered off.

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;

power on a transaction card using electric current induced from interaction of a near-field communication (NFC) component of the transaction card with an electromagnetic field of a device;

provide a notification to the device or another device indicating that the transaction card has powered on after powering on the transaction card;

determine a geographic location of the transaction card using location information after powering on the transaction card;

determine a set of applets to be selectively enabled or disabled based on the geographic location of the transaction card, one or more applets to be enabled, of the set of applets, being related to completing one or more different transactions, and one or more applets to be enabled, of the set of applets, being different than another set of applets already configured on the transaction card; and

selectively enable or disable the set of applets on the transaction card.

9. The non-transitory computer-readable medium of claim 8, where the one or more instructions, that cause the one or more processors to selectively enable or disable the set of applets, cause the one or more processors to:

enable a first subset of applets, and disable a second subset of applets.

10. 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 device or the other device, a set of instructions to power on the transaction card prior to powering on the transaction card; and

where the one or more instructions, that cause the one or more processors to power on the transaction card, cause the one or more processors to;

power on the transaction card after receiving the set of instructions.

11. The non-transitory computer-readable medium of claim 8, where the one or more instructions, that cause the one or more processors to power on the transaction card, cause the one or more processors to:

power on the transaction card using the electric current stored in a capacitive element of the transaction card after the electric current has been stored in the capacitive element.

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:

determine that one or more particular applets, of the set of applets, are enabled or disabled on the transaction card; and

where the one or more instructions, that cause the one or more processors to selectively enable or disable the set of applets, cause the one or more processors to;

selectively enable or disable the set of applets after determining that the one or more particular applets are enabled or disabled on the transaction card.

13. 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:

modify an electronic paper display of the transaction card to display information identifying the set of applets enabled or disabled on the transaction card after selectively enabling or disabling the set of applets; and

provide another notification to the device or the other device that indicates that the set of applets were successfully enabled or disabled.

14. 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:

provide another notification to the device or the other device after determining the set of applets to be selectively enabled or disabled, the notification identifying the set of applets to be selectively enabled or disabled.

15. A method, comprising:

powering on, by a transaction card, the transaction card using electric current induced from an interaction of the transaction card with an electromagnetic field of a device;

determining, by the transaction card, a geographic location of the transaction card using location information after powering on the transaction card;

determining, by the transaction card, a set of applets to be selectively enabled or disabled based on the geographic location of the transaction card, one or more applets to be enabled, of the set of applets, being related to completing one or more types of transactions using the transaction card, and one or more applets to be enabled, of the set of applets, being different than another set of applets already configured on the transaction card; and

selectively enabling or disabling, by the transaction card, the set of applets on the transaction card.

16. The method of claim 15, further comprising:

storing the electric current in a capacitive element after the electric current has been induced in a near-field communication (NFC) component of the transaction card; and

where powering on the transaction card comprises;

powering on the transaction card using the electric current stored in the capacitive element after storing the electric current in the capacitive element.

17. The method of claim 15, further comprising:

removing, from the transaction card, the other set of applets configured on the transaction card based on selectively enabling the set of applets.

18. The method of claim 15, where selectively enabling the set of applets comprises:

installing a subset of the set of applets on the transaction card after determining whether any of the set of applets are configured on the transaction card.

19. The method of claim 15, further comprising:

completing a set of transactions using the set of applets after selectively enabling or disabling the set of applets on the transaction card.

20. The method of claim 15, where selectively enabling or disabling the set of applets comprises:

enabling a first subset of the set of applets, and disabling a second subset of the set of applets.