System, method, and apparatus for a dynamic transaction card

Patent metadata

Field	Value
Publication number	US-10332102-B2
Application number	US-201615098585-A
Country	US
Kind code	B2
Filing date	Apr 14, 2016
Priority date	Oct 17, 2011
Publication date	Jun 25, 2019
Grant date	Jun 25, 2019

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.

First claim

The invention claimed is:

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 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 constructed out of conductive material;
wherein a dielectric constant of the dynamic transaction card is monitored to detect handling of the dynamic transaction card.

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 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.

10. The dynamic transaction card of claim 9 , wherein the application processor receives updated transaction rules from a user mobile device via the antenna.

11. 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.

12. 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.

13. 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.

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 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.

19. 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.

Assignees

• Capital One Services Llc

Inventors

• ZARAKAS James
• Markson Theodore
• Koeppel Adam
• Kelly Kevin
• Briggman Brian
• SANGI Saleem
• Wurmfeld David
• LOCKE Tyler
• ESCALANTE Karla

Classifications

• G06Q20/405

  Establishing or using transaction specific rules · CPC title

• G06Q20/4016

  involving fraud or risk level assessment in transaction processing · CPC title

• G06Q20/409

  Device specific authentication in transaction processing · CPC title

• G06Q20/3829

  involving key management · CPC title

• G06K19/02

  characterised by the selection of materials, e.g. to avoid wear during transport through the machine · CPC title