System, method, and apparatus for a dynamic transaction card

• US 10,380,581 B2
• Filed: 12/30/2016
• Issued: 08/13/2019
• Est. Priority Date: 10/17/2011
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Inventors: Zarakas, James, Markson, Theodore, Koeppel, Adam, Kelly, Kevin, Briggman, Brian, Sangi, Saleem, Wurmfeld, David, Locke, Tyler, Escalante, Karla
• Primary Examiner(s): Marshall, Christle I
• Application Number:
  US15/395,056
• Publication Number:
  US 20170109743A1
• Time in Patent Office: 956 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 19/045 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 19/0723 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 19/07707 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 20/321 using wearable devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means 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 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/353 Payments by cards read by M-devices
• 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 20/3829 involving key management
• 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: G06Q 20/409 Device specific authentication in transaction processing

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 touch sensor layer, 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 EuroPay-Mastercard-Visa (EMV) chip comprising an EMV plate accessible from the outer protective layer and an EMV processor;

an application processor storing one or more applications, wherein each application is account-provider specific and includes instructions to generate a display;

a display component that is visible through or extends through the outer protective layer;

a microcontroller to receive application data from the one or more applications and activate the display via a display driver;

an energy storage component to power the dynamic transaction card; and

a chassis constructed of conductive material, and wherein a dielectric constant of the dynamic transaction card is monitored to detect handling of the dynamic transaction card.

2. The dynamic transaction card of claim 1,

wherein the dynamic transaction card further includes:

an antenna that enables the dynamic transaction card to communicate via a limited distance communication network.

3. The dynamic transaction card of claim 2,

wherein the one or more applications comprises a display settings application comprising user-defined display settings.

4. The dynamic transaction card of claim 3,

wherein the user-defined display settings are received from a mobile device via the antenna.

5. The dynamic transaction card of claim 3,

wherein the user-defined display settings are received from a terminal via the EMV plate.

6. The dynamic transaction card of claim 2,

wherein the EMV chip receives transaction data from a terminal.

7. The dynamic transaction card of claim 6,

wherein the EMV chip receives transaction data via the microcontroller acting as a conduit.

8. The dynamic transaction card of claim 6,

wherein the EMV chip receives transaction data via the application processor acting as a conduit.

9. The dynamic transaction card of claim 2,

wherein each of the one or more applications includes respective transaction rules to preprocess a transaction using the application processor before transmitting transaction data to an issuer system.

10. The dynamic transaction card of claim 9, wherein the application processor receives updated transaction rules from a user mobile device via the antenna.

11. The device dynamic transaction card of claim 10,

wherein, upon activation of the dynamic transaction card, the application processor transmits a request for updated application data to a terminal and/or a user mobile device, and

wherein the updated application data includes updated account data, updated transaction rules, updated transaction data, and/or updated account holder data.

12. The dynamic transaction card of claim 2,

wherein the antenna includes a Near-Field Communication (NFC) antenna, a Bluetooth antenna, a Bluetooth Low Energy (BLE) antenna, a WiFi Direct antenna, and/or a radio-frequency identification (RFID) antenna.

13. The dynamic transaction card of claim 1, further comprising a potting layer constructed out of a light guide, acrylic, resin, polycarbonate, epoxies, glass, and/or injection molding.

14. The dynamic transaction card of claim 1,

wherein the display component displays a transaction amount, an updated account balance, an updated budget balance, an account limit, and/or a transaction history.

15. The dynamic transaction card of claim 1, further comprising:

a bootloader; and

a sensor;

wherein the sensor detects an input of the dynamic transaction card, and

wherein the input causes input data to be transmitted to the bootloader to perform a power up of the dynamic transaction card or an activation of the dynamic transaction card.

16. The dynamic transaction card of claim 1 further comprising a sensor;

wherein the sensor detects an input of the dynamic transaction card, and wherein the input causes input data to be transmitted to the application processor to perform one of the following actions;

selection of a particular account to conduct a transaction, confirmation of a transaction, a display of account data, and a display of transaction data.

17. The dynamic transaction card of claim 1, further comprising a printed circuit board (PCB) to provide integration between the components of the dynamic transaction card.

18. The dynamic transaction card of claim 1 further comprising a sensor,

wherein the sensor comprises an accelerometer, a light sensor, a capacity touch sensor, a motion sensor, a heat sensor, a piezoelectric sensor, and/or load cells.

19. The dynamic transaction card of claim 18,

wherein the application processor and/or the microcontroller control a state of the dynamic transaction card, and

wherein the state of the dynamic transaction card comprises:

a sleep state, a power off state, and an active state.

20. The device dynamic transaction card of claim 1,

wherein the microcontroller acts as a conduit to transfer all data between the EMV chip and a terminal, and

wherein the microcontroller uses plaintext data to generate a display using the display component of the dynamic transaction card.