Wearable computing device-powered chip-enabled card

• US 10,318,860 B1
• Filed: 10/03/2018
• Issued: 06/11/2019
• Est. Priority Date: 12/29/2016
• Status: Active Grant

• Current Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Original Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Inventors: Eidam, Kourtney, Duke, Michael Thomas
• Primary Examiner(s): Haupt, Kristy A
• Application Number:
  US16/151,032
• Time in Patent Office: 251 Days
• Field of Search: None
• CPC Class Codes: G06K 19/0723 the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
• CPC Class Codes: G06K 19/07701 the record carrier comprising an interface suitable for human interaction
• CPC Class Codes: G06K 19/07762 the adhering arrangement making the record carrier wearable, e.g. having the form of a ring, watch, glove or bracelet record carriers for insertion in the human body for medical purposes A61B90/00; record carriers adapted for attachment to animals A01K11/00
• CPC Class Codes: G06K 19/145 at least one of the further markings being adapted for galvanic or wireless sensing, e.g. an RFID tag with both a wireless and an optical interface or memory, or a contact type smart card with ISO 7816 contacts and an optical interface or memory
• CPC Class Codes: G06Q 10/00 Administration; Management

Abstract

Techniques are described for powering a chip-enabled card using a wearable computing device. The chip-enabled card is paired with the wearable computing device and a specific signal is generated for the chip-enabled card. When the chip-enabled card is proximate to the wearable computing device, the wearable computing device transmits the specific signal associated with the chip-enabled card through a conducting element in contact with the user'"'"'s body, through the user'"'"'s body, and to a touch pad of the chip-enabled card that is also in contact with a portion of the user'"'"'s body. According to the disclosed techniques, the chip of the chip-enabled card verifies that the received specific signal is associated with the chip-enabled card, and uses the verified specific signal to power subsequent transactions performed by the chip-enabled card. In this way, the chip-enabled card only emits a signal to perform transactions when the user is holding the card.

Claims

1. A wearable computing device comprising:

a transmitter connected to a conducting element of the wearable computing device in contact with a user'"'"'s body; and

one or more processors connected to the transmitter and configured to;

instruct the transmitter to transmit a specific signal associated with a chip-enabled card through the conducting element that is in contact with the user'"'"'s body, wherein the chip-enabled card is paired to the wearable computing device; and

receive a notification indicating whether the chip-enabled card is powered by the specific signal.

2. The wearable computing device of claim 1, wherein prior to instructing the transmitter to transmit the specific signal, the one or more processors are configured to detect that the chip-enabled card is proximate to the wearable computing device.

3. The wearable computing device of claim 2, wherein, to detect that the chip-enabled card is proximate to the wearable computing device, the one or more processors are configured to:

establish communication with the chip-enabled card within a certain distance using a short-range wireless communication protocol; and

based on the communication, determine that the wearable computing device is paired to the chip-enabled card.

4. The wearable computing device of claim 2, wherein the one or more processors are configured to, based on the chip-enabled card being proximate to the wearable computing device:

retrieve the specific signal associated with the chip-enabled card from one of a memory included in the wearable computing device or a database accessible by the wearable computing device; and

activate the transmitter included in the wearable computing device.

5. The wearable computing device of claim 2, further comprising one or more sensors configured to monitor vital signs of the user, wherein, the one or more processors are connected to the one or more sensors and configured to:

based on the chip-enabled card being proximate to the wearable computing device, compare the monitored vital signs of the user against a user profile;

based on the monitored vital signs substantially matching the user profile, retrieve the specific signal associated with the chip-enabled card from one of a memory included in the wearable computing device or a database accessible by the wearable computing device; and

activate the transmitter included in the wearable computing device.

6. The wearable computing device of claim 5, wherein, to compare the monitored vital signals against the user profile, the one or more processors are configured to one of:

compare a set of vital signals received from the one or more sensors against a previous discrete set of vital signs included in the user profile;

or

compare the set of vital signals received from the one or more sensors against a historic profile of vital signs included in the user profile.

7. The wearable computing device of claim 1, wherein the one or more processors are configured to:

receive a selection of the chip-enabled card by the user to perform a transaction;

in response to the selection of the chip-enabled card, retrieve the specific signal associated with the chip-enabled card from one of a memory included in the wearable computing device or a database accessible by the wearable computing device; and

activate the transmitter included in the wearable computing device.

8. The wearable computing device of claim 1, wherein the one or more processors are further configured to instruct the transmitter to transmit a software update for the chip-enabled card through the conducting element that is in contact with the user'"'"'s body using the specific signal.

9. The wearable computing device of claim 1, wherein the one or more processors are configured to, during initial activation of the chip-enabled card with a card issuer of the chip-enabled card:

authenticate the user of the wearable computing device with the issuer of the chip-enabled card;

register the wearable computing device with the card issuer; and

pair the registered wearable computing device to the chip-enabled card.

10. The wearable computing device of claim 1, wherein the one or more processors are configured to, during initial activation of the chip-enabled card with a card issuer of the chip-enabled card:

select an audio signal for the chip-enabled card;

receive, from the card issuer, the specific signal generated based on the selected audio signal; and

store the specific signal associated with the chip-enabled card in one of a memory included in the wearable computing device or a database accessible by the wearable computing device.

11. The wearable computing device of claim 1, wherein the one or more processors are configured to, based on the chip-enabled card being powered by the specific signal, receive another notification indicating whether a transaction performed by the powered chip-enabled card is authenticated.

12. A method comprising:

transmitting, by a wearable computing device including a conducting element in contact with a user'"'"'s body, a specific signal associated with a chip-enabled card through the conducting element that is in contact with the user'"'"'s body, wherein the chip-enabled card is paired to the wearable computing device; and

receiving, by the wearable computing device, a notification indicating whether the chip-enabled card is powered by the specific signal.

13. The method of claim 12, further comprising, prior to transmitting the specific signal, detecting, by the wearable computing device, that the chip-enabled card is proximate to the wearable computing device.

14. The method of claim 13, wherein detecting that the chip-enabled card is proximate to the wearable computing device comprises:

establishing communication with the chip-enabled card within a certain distance using a short-range wireless communication protocol; and

based on the communication, determining that the wearable computing device is paired to the chip-enabled card.

15. The method of claim 13, further comprising, based on the chip-enabled card being proximate to the wearable computing device:

retrieving the specific signal associated with the chip-enabled card from one of a memory included in the wearable computing device or a database accessible by the wearable computing device; and

activating a transmitter included in the wearable computing device to transmit the specific signal.

16. The method of claim 13, further comprising:

monitoring, by one or more sensors included in the wearable computing device, vital signs of the user;

based on the chip-enabled card being proximate to the wearable computing device, comparing the monitored vital signs of the user against a user profile;

based on the monitored vital signs substantially matching the user profile, retrieving the specific signal associated with the chip-enabled card from one of a memory included in the wearable computing device or a database accessible by the wearable computing device; and

activating a transmitter included in the wearable computing device to transmit the specific signal.

17. The method of claim 16, wherein comparing the monitored vital signals against the user profile comprises one of:

comparing a set of vital signals received from the one or more sensors against a previous discrete set of vital signs included in the user profile;

or

comparing the set of vital signals received from the one or more sensors against a historic profile of vital signs included in the user profile.

18. The method of claim 12, further comprising:

receiving a selection of the chip-enabled card by the user to perform a transaction;

in response to the selection of the chip-enabled card, retrieving the specific signal associated with the chip-enabled card from one of a memory included in the wearable computing device or a database accessible by the wearable computing device; and

activating a transmitter in the wearable computing device to transmit the specific signal.

19. The method of claim 12, further comprising transmitting a software update for the chip-enabled card through the conducting element that is in contact with the user'"'"'s body using the specific signal.

20. The method of claim 12, further comprising, during initial activation of the chip-enabled card with a card issuer of the chip-enabled card:

authenticating the user of the wearable computing device with the issuer of the chip-enabled card;

registering the wearable computing device with the card issuer; and

pairing the registered wearable computing device to the chip-enabled card.

21. The method of claim 12, further comprising, during initial activation of the chip-enabled card with a card issuer of the chip-enabled card:

selecting an audio signal for the chip-enabled card;

receiving, from the card issuer, the specific signal generated based on the selected audio signal; and

storing the specific signal associated with the chip-enabled card in one of a memory included in the wearable computing device or a database accessible by the wearable computing device.

22. The method of claim 12, further comprising, based on the chip-enabled card being powered by the specific signal, receiving another notification indicating whether a transaction performed by the powered chip-enabled card is authenticated.

23. A chip-enabled card comprising:

a touch pad;

a receiver configured to receive a signal from a wearable computing device through the touch pad when a portion of a user'"'"'s body is in contact with the touch pad, wherein the chip-enabled card is paired to the wearable computing device; and

an integrated circuit chip connected to the receiver and configured to;

determine whether the signal is a specific signal associated with the chip-enabled card; and

based on the received signal being the specific signal associated with the chip-enabled card, power the integrated circuit chip using the specific signal.

24. The chip-enabled card of claim 23, wherein based on the integrated circuit chip being powered, the integrated circuit chip is further configured to emit a signal to perform a transaction with an external device.

25. The chip-enabled card of claim 24, wherein, to emit the signal to perform the transaction, the integrated circuit chip is configured to at least one of:

emit the signal while the portion of the user'"'"'s body is in contact with the touch pad and the specific signal associated with the chip-enabled card is received by the receiver;

or

emit the signal for a time period after the specific signal associated with the chip-enabled card is received by the receiver and while the portion of the user'"'"'s body is no longer in contact with the touch pad.

26. The chip-enabled card of claim 23, wherein the integrated circuit chip is configured to:

establish communication with the wearable computing device within a certain distance using a short-range wireless communication protocol;

based on the communication, determine that the wearable computing device is paired to the chip-enabled card; and

activate the receiver included in the touch pad of the chip-enabled card to receive the signal from the paired wearable computing device.

27. The chip-enabled card of claim 23, wherein, to determine whether the signal is the specific signal associated with the chip-enabled card, the integrated circuit chip is configured to compare the signal against one or more specific signals associated with the chip-enabled card, wherein the one or more specific signals are stored in a memory of the chip-enabled card.

28. The chip-enabled card of claim 23, wherein the integrated circuit chip is configured to send a notification to the wearable computing device indicating whether the chip-enabled card is powered by the specific signal.

29. The chip-enabled card of claim 23,

wherein the receiver is configured to receive a software update for the chip-enabled card using the specific signal through the touch pad when the portion of the user'"'"'s body is in contact with the touch pad;

and

wherein the integrated circuit chip is further configured to update software executing on the integrated circuit chip according to the software update.

30. The chip-enabled card of claim 23,

wherein the touch pad comprises a biometric reader configured to collect biometric data from the portion of the user'"'"'s body that is in contact with the touch pad;

and

wherein the integrated circuit chip is configured to authenticate the user based on the collected biometric data.

31. The chip-enabled card of claim 23, wherein the integrated circuit chip is configured to, during initial activation of the chip-enabled card with a card issuer of the chip-enabled card:

receive, from the card issuer, the specific signal associated with the chip-enabled card; and

store the specific signal associated with the chip-enabled card in a memory of the chip-enabled card.

32. A method comprising:

receiving, by a chip-enabled card including a touch pad, a signal from a wearable computing device through the touch pad when a portion of a user'"'"'s body is in contact with the touch pad, wherein the chip-enabled card is paired to the wearable computing device;

determining, by the chip-enabled card, whether the signal is a specific signal associated with the chip-enabled card; and

based on the received signal being the specific signal associated with the chip-enabled card, powering an integrated circuit chip of the chip-enabled card using the specific signal.

33. The method of claim 32, further comprising emitting, based on the integrated circuit chip being powered, a signal to perform a transaction with an external device.

34. The method of claim 33, wherein emitting the signal to perform the transaction further comprises at least one of:

emitting the signal while the portion of the user'"'"'s body is in contact with the touch pad and the specific signal associated with the chip-enabled card is received by the receiver;

or

emitting the signal for a time period after the specific signal associated with the chip-enabled card is received by the receiver and while the portion of the user'"'"'s body is no longer in contact with the touch pad.

35. The method of claim 32, further comprising:

establishing communication with the wearable computing device within a certain distance using a short-range wireless communication protocol;

based on the communication, determining that the wearable computing device is paired to the chip-enabled card; and

activating a receiver included in the touch pad of the chip-enabled card to receive the signal from the paired wearable computing device.

36. The method of claim 32, wherein determining whether the signal is the specific signal associated with the chip-enabled card further comprises comparing the signal against one or more specific signals associated with the chip-enabled card, wherein the one or more specific signals are stored in a memory of the chip-enabled card.

37. The method of claim 32, further comprising sending a notification to the wearable computing device indicating whether the chip-enabled card is powered by the specific signal.

38. The method of claim 32, further comprising:

receiving a software update for the chip-enabled card using the specific signal through the touch pad when the portion of the user'"'"'s body is in contact with the touch pad; and

updating software executing on the integrated circuit chip according to the software update.

39. The method of claim 32, wherein the touch pad comprises a biometric reader, the method further comprising:

collecting, by the biometric reader, biometric data from the portion of the user'"'"'s body that is in contact with the touch pad; and

authenticating the user based on the collected biometric data.

40. The method of claim 32, further comprising, during initial activation of the chip-enabled card with a card issuer of the chip-enabled card:

receiving, by the chip-enabled card and from the card issuer, the specific signal associated with the chip-enabled card; and

storing the specific signal associated with the chip-enabled card in a memory of the chip-enabled card.