CONFIGURING A SET OF APPLETS ON A BATTERY-LESS TRANSACTION CARD

• US 20200134411A1
• Filed: 12/30/2019
• Published: 04/30/2020
• Est. Priority Date: 01/19/2018
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Inventors: Koeppel, Adam, Zarakas, James, Johnson, Molly, Locke, Tyler
• Granted Patent: US 10,902,306 B2
• Time in Patent Office: Days
• 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 19/0707 the arrangement being capable of collecting energy from external energy sources, e.g. thermocouples, vibration, electromagnetic radiation G06K19/0702 takes precedence
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G06Q 20/3563 Software being resident on card
• CPC Class Codes: G06Q 20/3672 initialising or reloading thereof
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A transaction card may power on the transaction card using electric current induced from an interaction of the transaction card with an electromagnetic field. The transaction card may establish a communication with a device. The communication may indicate that the transaction card has powered. The transaction card may receive, from the device, a set of instructions to configure a set of applets on the transaction card after notifying the device that the transaction card has powered on. The set of applets to be configured may be related to completing one or more different transactions. The set of applets to be configured may be different than another set of applets already configured on the transaction card. The transaction card may configure the set of applets on the transaction card according to the set of instructions after receiving the set of instructions.

Claims

1. A method, comprising:

determining, by a transaction card, that a particular applet associated with completing a transaction is not configured on the transaction card;

transmitting, by the transaction card and based on determining that the particular applet is not configured on the transaction card, a request for the particular applet; and

receiving, by the transaction card, from a device, and based on transmitting the request, the particular applet.

2. The method of claim 1, wherein receiving the particular applet comprises:

receiving one or more of a program code, a program file, or an installation file associated with the particular applet.

3. The method of claim 1, wherein the device is a first device;

and

wherein the method further comprises;

communicatively coupling with a second device to complete the transaction; and

wherein determining that the particular applet is not configured on the transaction card comprises;

determining, based on communicatively coupling with the second device, that the particular applet is not configured on the transaction card.

4. The method of claim 1, wherein determining that the particular applet is not configured on the transaction card comprises:

determining, based on communicating with the device, that the particular applet is not configured on the transaction card.

5. The method of claim 1, further comprising:

powering on based on electric current being induced from an electromagnetic field generated by another device.

6. The method of claim 5, further comprising:

storing the electric current in a capacitor or other capacitive element of the transaction card.

7. The method of claim 1, further comprising:

providing, to the device, a notification that a threshold amount of electric current has been induced in the transaction card;

receiving, from the device and based on providing the notification, one or more instructions to power on; and

powering on the transaction card based on receiving the one or more instructions.

8. A transaction card, comprising:

one or more memories; and

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

determine that a particular applet associated with completing a transaction is not configured on the transaction card;

transmit, based on determining that the particular applet is not configured on the transaction card, a request for the particular applet; and

receive, from a device and based on transmitting the request, the particular applet.

9. The transaction card of claim 8, wherein the one or more processors, when receiving the particular applet, are configured to:

receive one or more of a program code, a program file, or an installation file associated with the particular applet.

10. The transaction card of claim 8, wherein the device is a first device;

and

wherein the one or more processors are further configured to;

communicatively couple with a second device to complete the transaction; and

wherein the one or more processors, when determining that the particular applet is not configured on the transaction card, are configured to;

determine, based on communicatively coupling with the second device, that the particular applet is not configured on the transaction card.

11. The transaction card of claim 8, wherein the one or more processors, when determining that the particular applet is not configured on the transaction card, are configured to:

determine, based on communicating with the device, that the particular applet is not configured on the transaction card.

12. The transaction card of claim 8, wherein the one or more processors are further configured to:

power on based on electric current being induced from an electromagnetic field generated by another device.

13. The transaction card of claim 12, wherein the one or more processors are further configured to:

store the electric current in a capacitor or other capacitive element of the transaction card.

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

provide, to the device, a notification that a threshold amount of electric current has been induced in the transaction card;

receive, from the device and based on providing the notification, one or more instructions to power on; and

power on the transaction card based on receiving the one or more instructions.

15. A non-transitory computer-readable medium storing instructions, the 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 that a particular applet associated with completing a transaction is not configured on the transaction card;

transmit, based on determining that the particular applet is not configured on the transaction card, a request for the particular applet; and

receive, from a device and based on transmitting the request, the particular applet.

16. The non-transitory computer-readable medium of claim 15, wherein the one or more instructions, that cause the one or more processors to receive the particular applet, cause the one or more processors to:

receive one or more of a program code, a program file, or an installation file associated with the particular applet.

17. The non-transitory computer-readable medium of claim 15, wherein the device is a first device;

and

wherein the one or more instructions, when executed by the one or more processors, further cause the one or more processors to;

communicatively couple with a second device to complete the transaction; and

wherein the one or more instructions, that cause the one or more processors to determine that the particular applet is not configured on the transaction card, cause the one or more processors to;

determine, based on communicatively coupling with the second device, that the particular applet is not configured on the transaction card.

18. The non-transitory computer-readable medium of claim 15, wherein the one or more instructions, that cause the one or more processors to determine that the particular applet is not configured on the transaction card, cause the one or more processors to:

determine, based on communicating with the device, that the particular applet is not configured on the transaction card.

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

power on based on electric current being induced from an electromagnetic field generated by another device.

20. The non-transitory computer-readable medium of claim 19, wherein the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:

store the electric current in a capacitor or other capacitive element of the transaction card.