Dynamic transaction card optimization

• US 10,438,191 B2
• Filed: 01/04/2019
• Issued: 10/08/2019
• 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: Zarakas, James, York, Brennon
• Primary Examiner(s): Haupt, Kristy A
• Application Number:
  US16/240,121
• Publication Number:
  US 20190139027A1
• Time in Patent Office: 277 Days
• Field of Search: None
• CPC Class Codes: G06F 21/81 by operating on the power supply, e.g. enabling or disabling power-on, sleep or resume operations
• CPC Class Codes: G06N 20/00 Machine learning
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• 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 20/3563 Software being resident on card
• CPC Class Codes: G07F 7/0806 Details of the card record carriers per se G06K
• CPC Class Codes: G07F 7/084 Additional components relating to data transfer and storing, e.g. error detection, self-diagnosis
• CPC Class Codes: G07F 7/0846 On-card display means
• CPC Class Codes: H04L 67/535 Tracking the activity of the user network monitoring arrangements H04L43/00; recording of computer activity G06F11/34

Abstract

The present disclosure relates to devices and methods relating to an optimized electronic transaction card where various data inputs associated with a dynamic transaction card optimize operational configurations and/or a user experience of the dynamic transaction card to extend an energy storage life of the dynamic transaction card, promote various behaviors, and/or detect system and/or device defects. A dynamic transaction card may include a dynamic transaction card with various configuration and/or functionality that use the power components (e.g., printed circuit board (PCB), energy storage component, battery, and/or the like) of the dynamic transaction card. The configuration and/or functionality data may include, for example, sensor input, connection data, transaction data, display data, and/or the like. The configuration and/or functionality data may then be used to determine optimal configuration settings.

Claims

1. A dynamic transaction card comprising:

a sensor within the dynamic transaction card; and

data storage within the dynamic transaction card;

wherein the data storage stores optimal card configurations; and

wherein the sensor;

receives an input;

monitors a plurality of hardware components of the dynamic transaction card to determine functionality data;

monitors a plurality of software configurations to determine configuration data;

transmits, via a network, the functionality data and the configuration data to a processor, wherein the processor;

processes the functionality data and configuration data with respect to a user group segment; and

calculates optimal card configurations based on the functionality data and the configuration data as variables;

receives, via the network, the optimal card configurations from the processor; and

applies the optimal card configurations to the dynamic transaction card.

2. The dynamic transaction card of claim 1, wherein the functionality data and the configuration data comprise data from the input received at the sensor.

3. The dynamic transaction card of claim 1, wherein the functionality data and the configuration data comprise data associated with at least one of:

data associated with power components of the dynamic transaction card;

connection data associated with a network connection of the dynamic transaction card;

transaction data associated with one or more transactions associated with dynamic transaction card;

or

display data associated with a display of the dynamic transaction card.

4. The dynamic transaction card of claim 1, wherein the sensor includes a capacitive touch sensor, and the input received by the sensor is a physical tap.

5. The dynamic transaction card of claim 1, wherein the sensor includes a light sensor, and the input received by the sensor is ambient light.

6. The dynamic transaction card of claim 1, wherein the processor is a processor associated with at least one of:

a mobile device;

a merchant system;

or

a backend system.

7. The dynamic transaction card of claim 1, wherein the processor calculates the optimal card configurations by:

determining a desired user behavior;

determining a probability that a particular functionality data results in the desired user behavior; and

assigning the particular functionality data as the optimal card configurations when the probability is higher than a predetermined threshold.

8. The dynamic transaction card of claim 1, wherein the optimal card configurations are calculated at the processor by minimizing energy consumption using the functionality data and the configuration data as variables.

9. The dynamic transaction card of claim 1, wherein the user group segment is based on common features between one or more dynamic transaction cards, the common features comprising at least one of demographic data, geolocation data, software versions, or hardware characteristics.

10. A method comprising:

receiving, from a sensor of a dynamic transaction card, functionality data and configuration data at a remote processor associated with a mobile device, a merchant system, or a backend system, wherein the sensor;

receives an input;

monitors a plurality of hardware components of the dynamic transaction card to determine functionality data; and

monitors a plurality of software configurations to determine configuration data;

calculating, with the processor, optimal card configurations for the dynamic transaction card based at least in part on the functionality data and the configuration data; and

transmitting, via a network, the optimal card configurations to the sensor of the dynamic transaction card.

11. The method of claim 10,

wherein the sensor includes a capacitive touch sensor;

wherein the input is a physical tap; and

wherein the functionality data and/or the configuration data are associated with the physical tap.

12. The method of claim 10,

wherein the sensor includes a light sensor;

wherein the input is received ambient light; and

wherein the functionality data and the configuration data are associated with the received ambient light.

13. The method of claim 10, wherein the optimal card configurations are calculated at the processor by minimizing energy consumption using the functionality data and the configuration data as variables.

14. The method of claim 10 further comprising:

processing the functionality data and configuration data with respect to a user group segment;

wherein the user group segment is based on common features between one or more dynamic transaction cards, the common features comprising at least one of demographic data, geolocation data, software revisions, or hardware characteristics.

15. A method comprising:

monitoring, with a sensor of a dynamic transaction card, a plurality of hardware components of the dynamic transaction card to determine functionality data;

monitoring, with the sensor, a plurality of software configurations of the dynamic transaction card to determine configuration data;

transmitting, with a network, the functionality data and the configuration data to a remote processor associated with a mobile device, a merchant system, or a backend system;

receiving, at the sensor, an optimal card configuration for the dynamic transaction card from the remote processor; and

applying, with the sensor, the optimal card configuration to the plurality of hardware components and/or software configurations.

16. The method of claim 15, further comprising:

receiving, at the sensor, an input;

wherein the functionality data and the configuration data are associated with the input.

17. The method of claim 16, wherein the sensor includes a capacitive touch sensor, and

wherein the input is a physical tap.

18. The method of claim 16, wherein the sensor includes a light sensor, and

wherein the input is received ambient light.

19. The method of claim 15, wherein the functionality data and the configuration data comprise data associated with at least one of:

data associated with power components of the dynamic transaction card;

connection data associated with a network connection of the dynamic transaction card;

transaction data associated with one or more transactions associated with dynamic transaction card;

or

display data associated with a display of the dynamic transaction card.