System and method enabling mobile near-field communication to update display on a payment card

• US 10,713,649 B1
• Filed: 07/09/2019
• Issued: 07/14/2020
• Est. Priority Date: 07/09/2019
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Inventors: Rule, Jeffrey, Hart, Colin, Osborn, Kevin, Ilincic, Rajko
• Primary Examiner(s): Rankins, William E
• Application Number:
  US16/506,973
• Time in Patent Office: 371 Days
• Field of Search: 705 11, 705 41
• 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 20/354 Card activation or deactivation
• CPC Class Codes: G07F 7/0846 On-card display means
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G07F 7/122 Online card verification

Abstract

Disclosed are a system and methods enabling updating of a card number of a payment card and thereby reissuing the payment card utilizing a reissue application associated with the payment card. The reissue application, when executed communicates with a service provider that manages the payment card. The payment card includes processing circuitry and a rewriteable visual display. Using cryptographic techniques, the reissue application and payment card are authenticated to the service provider. Upon verification, an updated card number is obtained and provided via near-field communication to the payment card. In response to the update payment card number received from the reissue application, the rewriteable visual display on the payment card is updated with the updated card number. Other information may also be presented on the rewriteable visual display of the payment card based on user preferences.

Claims

1. A system, comprising:

a payment card comprising a payment card near-field communication device, a rewriteable visual display, a processor, and a memory, wherein the rewriteable visual display of the payment card is operable to present a prior-issued card number;

a reissue application stored in a mobile device, wherein the reissue application is executable by a processor of the mobile device and when executed is operable to reissue a card number of the payment card; and

an authentication server operable to communicate with the reissue application,

wherein the reissue application, when executed, is further operable to;

send a request to the authentication server to verify that the reissue application is associated with the payment card;

in response to a verification that the reissue application is associated with the payment card, obtain an updated card number, wherein the updated card number is different from the prior-issued card number;

generate an updated card number signal including the updated card number and information related to at least one of;

a card verification value, an expiration date, or an issuer;

cause the updated card number signal to be output; and

wherein the payment card is operable to;

receive, via the payment card near-field communication device, the updated card number signal; and

drive, based on the updated card number signal, the rewriteable visual display to present an updated card number in place of the prior-issued card number.

2. The system of claim 1, wherein the reissue application, when executed, is further operable to:

provide a user interface;

receive an input via the user interface;

present, via the user interface, information in response to signals generated by the reissue application;

present a menu of selectable user preferences via the user interface, wherein the selectable user preferences in the menu include one or more of;

a payment card account balance, a most recent transaction amount, an annual percentage rate of account, a rewards points balance, a payment due date, a location-based discount, or a location-based reward;

receiving, via the user interface, a selection of at least one selectable user preference from the menu of selectable user preferences; and

storing the at least one selected user preference.

3. The system of claim 2, wherein the reissue application, when executed, is further operable to:

in response to a verification that the reissue application is associated with the payment card,

obtain information related to the selected at least one of the selectable user preferences, wherein the information is retrieved via the authentication server; and

generate a user preference display signal, wherein the user preference display signal includes the information related to the selected at least one of the selectable user preferences; and

cause the output of the generated user preference display signal to the payment card near-field communication device.

4. The system of claim 3, wherein the payment card is further operable to:

receive, via the payment card near-field communication device, the outputted user preference display signal;

process the user preference display signal; and

forward the processed user preference display signal to the rewriteable visual display for output of the information related to the selected at least one of the selectable user preferences.

5. The system of claim 1, wherein the reissue application, when executed, is further operable to:

provide a user interface;

present, via the user interface, an indication of where the payment card is to be placed to enable near-field communication signals to be exchanged with the payment card near-field communication device.

6. The system of claim 1, further comprising:

a payment account server coupled to a data storage device and communicatively coupled to the authentication server, wherein the payment account server is operable to;

store payment account information related to the payment card, wherein the payment account information includes at least one of;

a payment account balance, payment account limits, information related to the mobile device, user preference selections, transaction information, payment card number history, a list of undeployed payment card numbers, or information related to users authorized to use the payment card.

7. The system of claim 1, further comprising:

a payment account server coupled to a data storage device communicatively coupled to the authentication server, wherein the payment account server is operable to;

in response to a request from the reissue application, retrieve the updated card number from the data storage device; and

send the updated card number to the reissue application.

8. The system of claim 1, wherein the reissue application is operable to:

detect an authentication signal emitted from the payment card near-field communication device;

forward the authentication signal to the authentication server; and

in response to forwarding the authentication signal, receive verification that the payment card is a valid payment card associated with the reissue application.

9. The system of claim 1, wherein:

the rewriteable visual display is an electronic ink display, and

the payment card near-field communication device transforms the updated card number signal to voltage values suitable to drive the electronic ink display to replace the prior-issued card number with the updated card number.

10. The system of claim 1, wherein:

the payment card processor is operable when obtaining the updated card number to;

generate an updated card number using a cryptographic hash function and data maintained in the payment card memory.

11. The system of claim 1, further comprising:

an issuer server communicatively coupled to the reissue application, and

wherein the reissue application is further operable when obtaining the updated card number to;

retrieve the updated card number from an issuer server associated with an issuer of the payment card.