System and apparatus for encrypted data collection using RFID cards

• US 10,438,104 B1
• Filed: 03/20/2019
• Issued: 10/08/2019
• Est. Priority Date: 07/23/2018
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Inventors: Osborn, Kevin, Zarakas, James, Sangi, Saleem, Rule, Jeffrey
• Primary Examiner(s): Trail, Allyson N
• Application Number:
  US16/359,334
• Time in Patent Office: 202 Days
• Field of Search: 235492, 235451
• CPC Class Codes: G06K 19/071 the source being a field other than an interrogation field, e.g. WLAN, cellular phone network
• 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 19/073 Special arrangements for circuits, e.g. for protecting identification code in memory protection against unauthorised use of computer memory G06F12/14

Abstract

A secure smart card is described. The smart card can include a processor, a memory and a transceiver. The smart card can communicate with various terminals and store a digital signature and other information on the card. Another terminal can validate the information stored on the smart card using the digital signature. In certain embodiments, the terminal can also validate the information by using a blockchain. The advanced design of the smart card obviates the need for a network connection.

Claims

1. A method comprising:

receiving, at a host computer, sales data points from a plurality of terminals, wherein each sales data point includes a count number, a coupon rate and a price;

storing the sales data points in a database of the host computer;

determining a dynamic demand curve based on the sales data points stored in the database;

wherein;

a smart card received from a first terminal of the plurality of terminals a first signal including instructions to enable a processor and a memory of the smart card to store an initial count number;

the smart card received from the first terminal a second signal including instructions to enable the processor and the memory of the smart card to increment the initial count number by one unit to obtain the count number;

the smart card transmitted to a second terminal of the plurality of terminals a third signal, wherein the third signal includes the count number; and

the host computer received from the second terminal the count number as part of a sales data point.

2. The method of claim 1, further comprising:

transmitting the dynamic demand curve to the second terminal.

3. The method of claim 2, further comprising:

receiving from the second terminal a request for authorization of a transaction.

4. The method of claim 3, wherein the transaction is discounted according to a first coupon rate.

5. The method of claim 4, wherein the first coupon rate is determined based on the dynamic demand curve.

6. The method of claim 1, wherein the second terminal is located at a store.

7. The method of claim 6, wherein the count number indicates how many times a user of the smart card has visited the store and scanned the smart card at a terminal of the store.

8. The method of claim 6, wherein each sales data point includes a list of stores at which the smart card was scanned.

9. The method of claim 8, further comprising:

transmitting the list of stores to the store.

10. The method of claim 1, wherein the smart card is a credit card.

11. A method comprising:

receiving at a first terminal a count number from a smart card;

receiving at the first terminal a dynamic demand curve from a host computer;

determining at the first terminal a coupon rate based on the count number and the dynamic demand curve;

applying the coupon rate at the first terminal to a transaction to discount a purchase price;

wherein;

a second terminal transmits, to a smart card, a first signal including instructions to enable a processor and a memory of the smart card to store an initial count number;

the second terminal transmits, to the smart card, a second signal including instructions to enable the processor and the memory of the smart card to increment the initial count number by one unit to obtain the count number; and

the first terminal receives from the smart card, a third signal, wherein the third signal includes the count number.

12. The method of claim 11, wherein the first terminal is located at a store.

13. The method of claim 12, wherein the first terminal determines the coupon rate based a parameter specified by the store.

14. The method of claim 12, wherein the count number indicates how many times a user of the smart card has visited the store and scanned the smart card.

15. The method of claim 12, further comprising:

transmitting a fourth signal to the smart card, wherein the fourth signal is configured to cause the smart card to store a reward value on the smart card.

16. The method of claim 12, further comprising:

receiving a fifth signal at the first terminal from the smart card, the fifth signal indicating a reward value stored on the smart card; and

applying the reward value to the transaction.

17. The method of claim 11, wherein the smart card is a credit card.

18. The method of claim 11, wherein the coupon rate is dynamic.

19. A method comprising:

receiving, at a smart card from a first terminal, a first reward value based on a first count number stored on the smart card;

receiving, at the smart card from a second terminal, a second reward value based on a second count number stored on the smart card;

transmitting the sum of the first reward value and the second reward value to a third terminal to process a transaction;

wherein;

the smart card received from the first terminal a first signal including instructions to enable a processor and a memory of the smart card to store an initial count number; and

the smart card received from the first terminal a second signal including instructions to enable the processor and the memory of the smart card to increment the initial count number by one unit to obtain the first count number.

20. The method of claim 19, wherein the smart card is a credit card.