Configuring a set of applets on a battery-less transaction card

• US 10,402,708 B2
• Filed: 02/07/2019
• Issued: 09/03/2019
• 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
• Primary Examiner(s): Labaze, Edwyn
• Application Number:
  US16/270,095
• Publication Number:
  US 20190228278A1
• Time in Patent Office: 208 Days
• Field of Search: 235375, 235380, 235487
• 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 transaction card, comprising:

an electronic paper display; and

one or more processors configured to;

detect that the transaction card is within an electromagnetic field of a first device;

receive an instruction from a second device to configure a particular applet on the transaction card,

the particular applet being associated with completing a transaction with the first device;

configure, based on the instruction, the particular applet on the transaction card;

provide, for display via the electronic paper display, information identifying the particular applet; and

complete, based on configuring the particular applet, the transaction.

2. The transaction card of claim 1, where the one or more processors are further configured to:

power on the transaction card using electric current induced from the electromagnetic field.

3. The transaction card of claim 2, where the electric current is induced in an NFC component of the transaction card.

4. The transaction card of claim 2, where the electric current is stored in a capacitive component of the transaction card.

5. The transaction card of claim 1, where the one or more processors are further configured to:

power on based on a threshold amount of electric current being induced from the electromagnetic field.

6. The transaction card of claim 5, where the threshold amount is a first threshold amount;

and where the one or more processors are further configured to;

power on the transaction card based on a second threshold amount of electric current being induced from the electromagnetic field.

7. The transaction card of claim 1, where the one or more processors are further configured to:

receive one or more instructions to power on the transaction card; and

power on, based on receiving the one or more instructions, the transaction card using electric current stored in a capacitive component of the transaction card.

8. A transaction card, comprising:

one or more memories storing a plurality of applets; and

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

detect that the transaction card is within an electromagnetic field of a first device;

receive an instruction from a second device to configure a particular applet of the plurality of applets on the transaction card, the particular applet being associated with completing a transaction with the first device;

configure, based on the instruction, the particular applet on the transaction card; and

complete, based on configuring the particular applet, the transaction.

9. The transaction card of claim 8, further comprising:

an electronic paper display; and

where the one or more processors are further configured to;

provide, for display via the electronic paper display, information identifying the particular applet.

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

provide, for a display, a notification requesting approval to configure the particular applet; and

configure, based on the approval being received, the particular applet.

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

receive one or more instructions identifying a modification to the particular applet; and

modify, based on the one or more instructions, a configuration of the particular applet.

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

selectively enable or disable the plurality of applets.

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

uninstall one or more of the plurality of applets based on determining the particular applet to be configured on the transaction card.

14. The transaction card of claim 8, where the particular applet is a first particular applet;

and where the one or more processors are further configured to;

determine a second particular applet to be configured on the transaction card; and

request the second particular applet from the first device or a third device.

15. A method, comprising:

detecting, by a transaction card, that the transaction card is within an electromagnetic field of a first device;

receiving, by the transaction card and from a second device, an instruction to configure a particular applet on the transaction card, the particular applet being associated with completing a transaction with the first device;

configuring, by the transaction card and based on the instruction, the particular applet on the transaction card;

providing, by the transaction card for display, information identifying the particular applet; and

completing, by the transaction card based on configuring the particular applet, the transaction.

16. The method of claim 15, further comprising:

detecting a location of the transaction card;

determining, using information associated with the location of the transaction card, another applet to be configured on the transaction card; and

configuring the other applet.

17. The method of claim 15, further comprising:

powering off the transaction card based on the transaction card being removed from the electromagnetic field.

18. The method of claim 17, where a display of the transaction card is configured to display the information after the transaction card has powered off.

19. The method of claim 15, further comprising:

requesting the particular applet from the second device; and

where configuring the particular applet on the transaction card comprises;

configuring, based on receiving the particular applet from the second device, the particular applet on the transaction card.

20. The method of claim 15, further comprising:

inducing electric current in the transaction card based on the transaction card being within the electromagnetic field; and

powering on the transaction card based on inducing the electric current in the transaction card.