SYSTEM, METHOD, AND APPARATUS FOR A DYNAMIC TRANSACTION CARD

• US 20160307189A1
• Filed: 04/14/2016
• Published: 10/20/2016
• 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: BRIGGMAN, Brian, ESCALANTE, Karla, ZARAKAS, James, MARKSON, Theodore, KOEPPEL, Adam, KELLY, Kevin, SANGI, Saleem, WURMFELD, David, LOCKE, Tyler
• Granted Patent: US 10,332,102 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• 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 potting layer;

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

a sensor that detects an input to the dynamic transaction card;

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

a display component that is visible through or extends through the outer protective layer and includes a dot matrix display, one or more LED lights, one or more OLED lights, light pipes, electronic paper, Mirasol, TF LCD, and/or Quantum Dot Display; and

;

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;

a bootloader; and

a chassis.

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

an antenna comprising 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.

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 associated with the user 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 1, wherein the potting layer is constructed out of a light guide, acrylic, resin, polycarbonate, epoxies, glass, and/or injection molding.

10. 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.

11. The dynamic transaction card of claim 2, wherein each of the at least one or more applications includes respective transaction rules to preprocess a transaction using the application processor before transmitting transaction data to an issuer system.

12. The dynamic transaction card of claim 11, wherein the application processor receives updated transaction rules from a user mobile device via the antenna.

13. The dynamic transaction card of claim 1, wherein the chassis is constructed of conductive material, and wherein a dielectric constant of the dynamic transaction card is monitored to detect handling of the dynamic transaction card.

14. The dynamic transaction card of claim 1, 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.

15. The dynamic transaction card of claim 1, 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.

16. 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.

17. The dynamic transaction card of claim 1, 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.

18. The dynamic transaction card of claim 2, 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, wherein the updated application data includes updated account data, updated transaction rules, updated transaction data, and/or updated account holder data.

19. The dynamic transaction card of claim 17, wherein the application processor and/or the microcontroller control a state of the dynamic transaction card, wherein the state of the dynamic transaction card comprises:

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

20. The 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.

21. 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 potting layer;

a EuroPay-Mastercard-Visa (EMV) chip comprising an EMV plate accessible form the outer protective layer and an EMV processor;

a sensor that detects an input to the dynamic transaction card;

an antenna comprising a Bluetooth antenna and/or a Bluetooth Low Energy (BLE) antenna;

an application processor storing a fraud detection application, wherein the fraud detection application executes the dynamic transaction card to;

turn on a Bluetooth advertising mode upon receipt of a transaction request;

transmit an advertising data packet to an associated user mobile device;

receive an advertising response associated with the transmitted advertising packet;

transmit an indicator of the advertising response to an authorization system;

a display component that is visible through or extends the outer protective layer and includes a dot matrix display, one or more LED lights, one or more OLED lights, light pipes, electronic paper, Mirasol, TF LCD, and/or Quantum Dot Display, wherein the display component displays a transaction response based on the transmitting indicator of the advertising response; and

;

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;

a bootloader; and

a chassis.

22. The dynamic transaction card of claim 21, wherein the indicator of the advertising response to an authorization system is data indicating that no connection was made between the dynamic transaction card and the associated user mobile device.

23. The dynamic transaction card of claim 22, wherein the displayed transaction response based on the transmitted indicator of the advertising response is a denied or approved transaction based on a fraud score calculated at the authorization system, wherein the fraud score is calculated using the indicator of the advertising response.

24. The dynamic transaction card of claim 22, wherein the displayed transaction response based on the transmitted indicator of the advertising response is further based on a device response received from the associated user mobile device, wherein the device response is a response received at the authorization system in response to a communication transmitted from the authorization system to the associated user mobile device.

25. The dynamic transaction card of claim 24, wherein the device response comprises device location data and/or user approval data.

26. The dynamic transaction card of claim 23, wherein the fraud score is further calculated using a transaction amount, a merchant identifier, a distance between the associated user mobile device and the dynamic transaction card calculated using associated user mobile device location data and dynamic transaction card location data, and/or transaction statistics associated with the dynamic transaction card.

27. The dynamic transaction card of claim 26, wherein the transaction statistics associated with the dynamic transaction card comprise a number of transactions that occur without pairing, a percentage of transactions that occur without pairing, a number of transactions approved without pairing, and/or a percentage of transactions approved without pairing.

28. The dynamic transaction card of claim 23, wherein the fraud score indicates a fraudulent transaction, and wherein the dynamic transaction card receives new card data from a backend system in response to the fraud score indicating a fraudulent transaction.

29. The dynamic transaction card of claim 28, wherein the new card data comprises a new card activation signal, a new card number, a new security code, and a new expiration date, and wherein the new card data is stored in one of:

the EMV chip, the application processor, and the microcontroller.

30. The dynamic transaction card of claim 28, wherein the dynamic transaction card receives the new card data from the backend system via one of:

a terminal via the EMV chip and the associated user mobile device via the antenna.

31. 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 sensor that detects an input of the dynamic transaction card;

one or more applications, wherein each application is account-provider specific and includes instructions to generate a display upon receiving input from the sensor, wherein each application includes display settings indicating a visual impairment;

an antenna comprising 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

a display component that is visible through or extends through the outer protective layer and includes a dot matrix display, one or more LED lights, one or more OLED lights, electronic paper, Mirasol, TF LCD, and/or Quantum Dot Display, wherein the display component generates a predefined pattern in response to receiving data from a transaction terminal or an account holder device based on the display settings; and

an EMV processor in communication with a microprocessor, wherein the microprocessor receives 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.

32. The dynamic transaction card of claim 31, wherein the display component generates a predefined pattern according to the display settings in response to receiving data from a transaction terminal or an account holder device based on the display settings.

33. The dynamic transaction card of claim 31, wherein the display settings are received from an associated user mobile device over a network via the antenna.

34. The dynamic transaction card of claim 31, wherein the display settings indicate a particular visual impairment comprising nearsightedness, farsightedness, and/or glaucoma.

35. The dynamic transaction card of claim 31, wherein the display settings are received from a terminal via a connection with the EMV chip.

36. The dynamic transaction card of claim 31, wherein the display settings convert received data from alphanumeric display data to visual impairment data comprising a representative symbol, a representative color, and/or a representative blinking pattern.

37. The dynamic transaction card of claim 36, wherein the visual impairment data indicates a balance, a credit limit, a budget balance, and/or a transaction amount.

38. The dynamic transaction card of claim 37, wherein the visual impairment data is received from an associated user mobile device over a network via the antenna.

39. The dynamic transaction card of claim 37, wherein the visual impairment data is received from a terminal via a connection with the EMV chip.

40. The dynamic transaction card of claim 31, wherein the display settings include a rule to transmit display data to an associated user device via the antenna.