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

• US 10,248,897 B1
• Filed: 07/05/2018
• Issued: 04/02/2019
• 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:
  US16/027,979
• Time in Patent Office: 271 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;

establish a communication with a device;

determine, based on location information associated with the transaction card, that a particular applet is not configured on the transaction card,

the particular applet being associated with completing a transaction with the device;

request the particular applet from another device;

receive, based on the request, the particular applet; and

complete, based on receiving the particular applet, the transaction.

2. The transaction card of claim 1, where the device is a transaction terminal.

3. The transaction card of claim 1, where the one or more processors, when establishing the communication with the device, are to:

establish the communication with the device via a near-field communication (NFC) component.

4. The transaction card of claim 1, where the transaction card is powered on using an electric current induced in a near-field communication (NFC) component.

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

uninstall another applet; and

where the one or more processors, when requesting the particular applet;

are to;

request the particular applet based on uninstalling the other applet.

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

update an electronic paper display based on receiving the particular applet.

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

store an electric current induced in a near-field communication (NFC) component of the transaction card.

8. A method, comprising:

establishing, by a transaction card, a communication with a device;

determining, by the transaction card and based on location information associated with the transaction card, that a particular applet is not configured on the transaction card,

the particular applet being associated with completing a transaction with the device;

requesting, by the transaction card, the particular applet from another device;

receiving, by the transaction card and based on the request, the particular applet; and

completing, by the transaction card and based on receiving the particular applet, the transaction.

9. The method of claim 8, further comprising:

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

powering on using an electric current inducted in the NFC component.

10. The method of claim 8, further comprising:

receiving one or more instructions to configure another applet related to another transaction; and

configuring the other applet based on the one or more instructions.

11. The method of claim 8, further comprising:

receiving one or more instructions that identify a modification to the particular applet; and

modifying the particular applet based on the one or more instructions.

12. The method of claim 8, further comprising:

receiving one or more instructions to configure one or more first applets related to another transaction; and

disabling, based on receiving the one or more instructions, one or more second applets on the transaction card.

13. The method of claim 8, further comprising:

detecting a location of the transaction card; and

determining, based on detecting the location of the transaction card, that the particular applet is to be configured on the transaction card.

14. The method of claim 8, further comprising:

determining a user associated with the transaction card; and

determining, based on determining the user, that the particular applet is to be configured on the transaction card.

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

one or more instructions that, when executed by one or more processors of a transaction card, cause the one or more processors to;

establish a communication with a device;

determine, based on location information associated with the transaction card, that a particular applet is not configured on the transaction card,

the particular applet being associated with completing a transaction with the device;

request the particular applet from another device;

receive, based on the request, the particular applet; and

complete, based on receiving the particular applet, the transaction.

16. The non-transitory computer-readable medium of claim 15, where the one or more instructions, when executed the one or more processors, further cause the one or more processors to:

determine a location of the device or the other device; and

determine, based on determining the location of the device or the other device, that the particular applet is to be configured on the transaction card.

17. The non-transitory computer-readable medium of claim 15, where the one or more instructions, when executed the one or more processors, further cause the one or more processors to:

power off the transaction card based a near-field communication (NFC) component of the transaction card being removed from an electromagnetic field generated by the device.

18. The non-transitory computer-readable medium of claim 15, where the one or more instructions, when executed the one or more processors, further cause the one or more processors to:

power off the transaction card based on completing the transaction.

19. The non-transitory computer-readable medium of claim 15, where the one or more instructions, when executed the one or more processors, further cause the one or more processors to:

receive the location information from the device or the other device; and

determine, based on receiving the location information, that the particular applet is to be configured on the transaction card.

20. The non-transitory computer-readable medium of claim 15, where the one or more instructions, when executed the one or more processors, further cause the one or more processors to:

receive the location information from the device or the other device; and

determine, based on receiving the location information, that a set of applets, including the particular applet, are to be configured on the transaction card.