Transaction card mode related to locating a transaction card

• US 10,410,206 B2
• Filed: 02/20/2019
• Issued: 09/10/2019
• Est. Priority Date: 10/24/2017
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Inventors: Sangi, Saleem, Johnson, Molly, Perry, Robert, Koeppel, Adam
• Primary Examiner(s): Hu, Jinsong
• Assistant Examiner(s): Madani, Farideh
• Application Number:
  US16/280,666
• Publication Number:
  US 20190188686A1
• Time in Patent Office: 202 Days
• CPC Class Codes: G06K 19/0712 the arrangement being capable of triggering distinct operating modes or functions dependent on the strength of an energy or interrogation field in the proximity of the record carrier active means for hindering electromagnetic reading or writing G06K19/07336
• CPC Class Codes: G06K 19/07381 with deactivation or otherwise incapacitation of at least a part of the circuit upon detected tampering
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location 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 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: H04B 17/318 Received signal strength
• CPC Class Codes: H04W 4/023 using mutual or relative location information between multiple location based services [LBS] targets or of distance thresholds
• CPC Class Codes: H04W 4/80 Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

Abstract

A transaction card may determine to initiate a mode associated with the transaction card. The mode may be related to locating the transaction card. The mode may be associated with outputting a first signal. The transaction card may determine a manner in which to configure the mode based on a set of parameters. The set of parameters may include a power level of the transaction card, or a strength of a second signal associated with a connection between the transaction card and a device associated with the transaction card. The transaction card may initiate the mode after configuring the mode. The transaction card may determine to terminate the mode based on an indication that the transaction card has been located.

Claims

1. A method, comprising:

receiving, by a transaction card, information related to a proximity of the transaction card and a device,

the transaction card and the device acting in a pairing mode to establish a pairing connection;

determining, by the transaction card, to initiate a beacon mode associated with the transaction card to locate the transaction card,

the beacon mode being initiated when the transaction card loses the pairing connection with the device, and

the beacon mode being associated with the transaction card to output a signal for at least one of;

an interval,

a threshold period of time, or

at a threshold power level;

determining, by the transaction card, that the transaction card is not at a particular location;

configuring, by the transaction card in the beacon mode, the transaction card to output the signal at a particular interval, for a particular threshold period of time, or at a particular threshold power level based on the transaction card not being at the particular location;

receiving, by the transaction card and from the device, instructions to terminate the beacon mode based on an indication that the transaction card has been located; and

determining, by the transaction card, to terminate the beacon mode based on the indication that the transaction card has been located.

2. The method of claim 1, where the beacon mode is initiated based on a frequency of use of the transaction card.

3. The method of claim 1, where the beacon mode is initiated based on an amount of time elapsed since a last use of the transaction card.

4. The method of claim 1, where the beacon mode is initiated based on a location of the transaction card,

the location of the transaction card being determined using a GPS component associated with the transaction card.

5. The method of claim 1, further comprising:

determining the proximity of the transaction card and the device based on strength of the signal of the transaction card.

6. The method of claim 5, where determining the proximity of the transaction card and the device further comprises:

determining the proximity of the transaction card and the device based on a received signal strength indicator (RSSI) value of the signal satisfying a threshold.

7. The method of claim 1, further comprising:

determining relative directions to the transaction card using at least one of;

an accelerometer,

a GPS component associated with the device, or

a compass component associated with the device.

8. A transaction card, comprising:

one or more memories; and

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

detect information related to a proximity of the transaction card and a device,

the transaction card and the device being associated with each other, and

the transaction card and the device acting in a pairing mode to establish a pairing connection;

determine to initiate a beacon mode associated with the transaction card based on detecting the information related to the proximity of the transaction card and the device,

the beacon mode being initiated when the transaction card loses the pairing connection with the device,

the beacon mode being related to locating the transaction card, and

the beacon mode being associated with the transaction card to to output a signal related to locating the transaction card;

provide the signal to the device,

determine that the transaction card is not at a particular location;

configure the transaction card to output the signal at a particular interval, for a particular threshold period of time, or at a particular threshold power level based on the transaction card not being at the particular location;

receive instructions to terminate the beacon mode based on an indication that the transaction card has been located; and

determine to terminate the beacon mode based on the indication that the transaction card has been located.

9. The transaction card of claim 8, where the one or more processors are further to:

determine to terminate the beacon mode based on the indication that the transaction card has been located.

10. The transaction card of claim 8, where the beacon mode is initiated based on an amount of time elapsed since a last use of the transaction card.

11. The transaction card of claim 8, where the beacon mode is initiated based on a location of the transaction card,

the location of the transaction card being determined using a GPS component associated with the transaction card.

12. The transaction card of claim 8, where the one or more processors, when monitoring the information related to the proximity of the transaction card and the device, are further to:

determine the proximity of the transaction card and the device based on strength of the signal of the transaction card.

13. The transaction card of claim 12, where the one or more processors, when determining the proximity of the transaction card and the device, are further to:

determine the proximity of the transaction card and the device based on an RSSI value of the signal satisfying a threshold.

14. The transaction card of claim 8, where the one or more processors are further to:

determine relative directions to the transaction card using at least one of;

an accelerometer,

a GPS component associated with the device, or

a compass component associated with the device.

15. A non-transitory computer-readable medium storing one or more instructions for wireless communication, the one or more 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;

determine to initiate a beacon mode between the transaction card and a device,

the beacon mode being initiated when the transaction card loses a pairing connection with the device,

the beacon mode being related to locating the transaction card, and

the beacon mode being associated with the transaction card to output a signal related to locating the transaction card at an interval for a threshold period of time;

provide the signal to the device;

determine that the transaction card is not at a particular location;

configure the transaction card to output the signal at a particular interval, for a particular threshold period of time, or at a particular threshold power level based on the transaction card not being at the particular location;

receive instructions to terminate the beacon mode based on an indication that the transaction card has been located; and

determine to terminate the beacon mode based on the indication that the transaction card has been located.

16. The non-transitory computer-readable medium of claim 15, where the beacon mode is initiated based on a frequency of use of the transaction card.

17. The non-transitory computer-readable medium of claim 15, where the beacon mode is initiated based on a battery level of a battery associated with the transaction card.

18. The non-transitory computer-readable medium of claim 15, where the beacon mode is initiated based on a location of the transaction card,

the location of the transaction card being determined using a GPS component associated with the transaction card.

19. The non-transitory computer-readable medium of claim 15, where proximity of the transaction card and the device is based on strength of the signal of the transaction card.

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

determine relative directions to the transaction card using at least one of;

an accelerometer,

a GPS component associated with the device, or

a compass component associated with the device.