Dynamic transaction card protected by dropped card detection

• US 10,360,557 B2
• Filed: 12/30/2016
• Issued: 07/23/2019
• Est. Priority Date: 04/14/2015
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Inventors: Locke, Tyler, Zarakas, James, Wurmfeld, David, Koeppel, Adam, Kelly, Kevin
• Primary Examiner(s): Sigmond, Bennett M
• Assistant Examiner(s): Anderson, Scott C
• Application Number:
  US15/394,947
• Publication Number:
  US 20170109730A1
• Time in Patent Office: 935 Days
• CPC Class Codes: G06K 19/02 characterised by the selection of materials, e.g. to avoid wear during transport through the machine
• CPC Class Codes: G06K 19/0717 the sensor being capable of sensing environmental conditions such as temperature history or pressure
• CPC Class Codes: G06K 19/0724 the arrangement being a circuit for communicating at a plurality of frequencies, e.g. for managing time multiplexed communication over at least two antennas of different types
• CPC Class Codes: G06K 19/07707 the visual interface being a display, e.g. LCD or electronic ink
• CPC Class Codes: G06K 19/07722 the record carrier being multilayered, e.g. laminated sheets flat articles in general, see B32B37/00
• CPC Class Codes: G06K 19/07733 the record carrier containing at least one further contact interface not conform ISO-7816
• 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 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/354 Card activation or deactivation
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G08B 5/223 using wireless transmission

Abstract

A dynamic transaction card that includes a transaction card having a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a sensor layer that may detect and identify a card free fall and/or subsequent impact, which may trigger a microcontroller to send a mobile notification to a cardholder notifying the user that the card has been dropped, and/or may disable or deactivate the card and/or a user account associated with the card, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV™ chip, an energy storage component, one or more antenna (e.g., Bluetooth™ antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer.

Claims

1. A dynamic transaction card comprising:

an outer protective layer having an outer edge;

a card backing having an outer edge, wherein the card backing outer edge and the outer protective layer are connected to one another along the respective outer edges to form a casing for the components of the dynamic transaction card;

wherein the components of the dynamic transaction card include;

a secure payment chip comprising a contact plate accessible from the outer protective layer and a secure payment processor;

a microcontroller;

at least one sensor that detects indicators of the dynamic transaction card, wherein the indicators cause input data to be transmitted to the microcontroller, and wherein the microcontroller processes the input data to detect whether the dynamic transaction card has been dropped;

an antenna comprising a Near-Field Communication (NFC) antenna, a short-range communication standard antenna, and/or a radio-frequency identification (RFID) antenna; and

an energy storage component to power the dynamic transaction card;

wherein upon detection of the dropping of the dynamic transaction card and/or subsequent impact, the microcontroller pushes a mobile detection notification to a user'"'"'s mobile device.

2. The dynamic transaction card of claim 1, wherein the at least one sensor includes an accelerometer.

3. The dynamic transaction card of claim 2, wherein the accelerometer includes an embedded flat-detection algorithm that detects whether the dynamic transaction card has been dropped.

4. The dynamic transaction card of claim 1, wherein the at least one sensor includes an accelerometer and a pressure sensor.

5. The dynamic transaction card of claim 4, wherein the accelerometer includes an embedded flat-detection algorithm that detects whether the dynamic transaction card has been dropped.

6. The dynamic transaction card of claim 1, wherein the at least one sensor includes a piezoelectric sensor and a pressure sensor.

7. The dynamic transaction card of claim 1, further comprising a backend system, wherein the backend system deactivates the dynamic transaction card and/or an account associated with the dynamic transaction card when dropping of a dynamic transaction card is detected.

8. The dynamic transaction card of claim 1, further comprising a backend system, wherein the backend system deactivates the dynamic transaction card and/or an account associated with the dynamic transaction card when dropping the dynamic transaction card is detected and a user does not confirm receipt of a detection notification via the user'"'"'s mobile device.

9. The dynamic transaction card of claim 7, further comprising a card user'"'"'s mobile device, wherein card detection notification configurations are configured on a mobile application on the card user'"'"'s mobile device.

10. The dynamic transaction card of claim 9, wherein the card detection notification configurations are stored on the secure payment chip and/or the backend system.