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

• US 10,521,709 B2
• Filed: 07/16/2019
• Issued: 12/31/2019
• 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:
  US16/512,955
• Publication Number:
  US 20190340478A1
• Time in Patent Office: 168 Days
• Field of Search: 235375, 235487, 235441, 235449, 235493
• 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:

transmitting, by a device and to a transaction card, an instruction to configure one or more applets on the transaction card,

a configuration of the one or more applets being associated with the transaction card completing a transaction;

receiving, by the device, from the transaction card, and based on the instruction, a request for an applet; and

transmitting, by the device, to the transaction card, and based on the request, a particular applet for completing the transaction,

the transaction being completed based on the particular applet being transmitted from the device to the transaction card.

2. The method of claim 1, wherein the particular applet, before being transmitted to the transaction card, is not configured on the transaction card.

3. The method of claim 1, further comprising:

storing a data structure that includes information identifying a set of applets and corresponding types of transactions.

4. The method of claim 1, further comprising:

generating an electromagnetic field; and

inducing electric current in a near field communication (NFC) component of the transaction card based on the NFC component being within a threshold proximity of the electromagnetic field.

5. The method of claim 1, wherein the instruction is a first instruction;

and

wherein the method further comprises;

transmitting a second instruction to the transaction card to power on the transaction card; and

receiving, based on the second instruction and from the transaction card, a notification indicating that the transaction card has powered on; and

wherein transmitting the first instruction comprises;

transmitting the first instruction based on receiving the notification.

6. The method of claim 1, wherein the instruction is a first instruction;

and

wherein the method further comprises;

receiving a notification that a threshold amount of electric current has been induced in an NFC component of the transaction card; and

transmitting, based on receiving the notification, a second notification to the transaction card to power on the transaction card.

7. The method of claim 1, further comprising:

receiving, from the transaction card, a notification requesting approval to configure a set of applets on the transaction card;

opening, based on the notification, an application installed on the device; and

receiving a selection of the one or more applets to be configured on the device; and

wherein transmitting the instruction comprises;

transmitting the instruction based on receiving the selection.

8. A device, comprising:

one or more memories; and

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

transmit, to a transaction card, an instruction to configure one or more applets on the transaction card,

a configuration of the one or more applets being associated with the transaction card completing a transaction;

receive, from the transaction card and based on the instruction, a request for an applet; and

transmit, to the transaction card and based on the request, a particular applet for completing the transaction,

the transaction being completed based on the particular applet being transmitted from the device to the transaction card.

9. The device of claim 8, wherein the particular applet, before being transmitted to the transaction card, is not configured on the transaction card.

10. The device of claim 8, wherein the one or more processors are further configured to:

store a data structure that includes information identifying a set of applets and corresponding types of transactions.

11. The device of claim 8, wherein the one or more processors are further configured to:

generate an electromagnetic field; and

induce electric current in a near field communication (NFC) component of the transaction card based on the NFC component being within a threshold proximity of the electromagnetic field.

12. The device of claim 8, wherein the instruction is a first instruction;

and

wherein the one or more processors are further configured to;

transmit a second instruction to the transaction card to power on the transaction card; and

receive, based on the second instruction and from the transaction card, a notification indicating that the transaction card has powered on; and

wherein the one or more processors, when transmitting the first instruction, are configured to;

transmit the first instruction based on receiving the notification.

13. The device of claim 8, wherein the instruction is a first instruction;

and

wherein the one or more processors are further configured to;

receive a notification that a threshold amount of electric current has been induced in an NFC component of the transaction card; and

transmit, based on receiving the notification, a second notification to the transaction card to power on the transaction card.

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

receive, from the transaction card, a notification requesting approval to configure a set of applets on the transaction card;

open, based on the notification, an application installed on the device; and

receive a selection of the one or more applets to be configured on the device; and

wherein the one or more processors, when transmitting the instruction, are configured to;

transmit the instruction based on receiving the selection.

15. A non-transitory computer-readable medium storing instructions, the instructions comprising:

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

transmit, to a transaction card, an instruction to configure one or more applets on the transaction card,

a configuration of the one or more applets being associated with the transaction card completing a transaction;

receive, from the transaction card and based on the instruction, a request for an applet; and

transmit, to the transaction card and based on the request, a particular applet for completing the transaction,

the transaction being completed based on the particular applet being transmitted to the transaction card.

16. The non-transitory computer-readable medium of claim 15, wherein the particular applet, before being transmitted to the transaction card, is not configured on the transaction card.

17. 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:

store a data structure that includes information identifying a set of applets and corresponding types of transactions.

18. 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:

generate an electromagnetic field; and

induce electric current in a near field communication (NFC) component of the transaction card based on the NFC component being within a threshold proximity of the electromagnetic field.

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

and

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

transmit a second instruction to the transaction card to power on the transaction card; and

receive, based on the second instruction and from the transaction card, a notification indicating that the transaction card has powered on; and

wherein the one or more instructions, that cause the one or more processors to transmit the first instruction, cause the one or more processors to;

transmit the first instruction based on receiving the notification.

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

and

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

receive a notification that a threshold amount of electric current has been induced in an NFC component of the transaction card; and

transmit, based on receiving the notification, a second notification to the transaction card to power on the transaction card.