Transaction card security device

Patent metadata

Field	Value
Publication number	US-10346841-B2
Application number	US-201715785296-A
Country	US
Kind code	B2
Filing date	Oct 16, 2017
Priority date	Oct 16, 2017
Publication date	Jul 9, 2019
Grant date	Jul 9, 2019

Abstract

An example transaction card may include a sensor to measure movement of the transaction card and one or more processors to monitor the movement of the transaction card via the sensor during a tracking period; determine measurements of a gait of a user during the tracking period from the movement of the transaction card during the tracking period; compare the measurements of the gait of the user during the tracking period and a gait signature associated with the transaction card; and/or perform an action associated with the transaction card based on a result of comparing the measurements of the gait of the user during the tracking period and the gait signature.

First claim

What is claimed is:

1. A smart transaction card, comprising:
a sensor to measure movement of the smart transaction card,
the smart transaction card being a physical card,
the sensor being disposed within the smart transaction card;

one or more memories;
a communication interface for enabling a transaction to be performed with a transaction terminal,
the communication interface including at least one of:
a magnetic strip,
an integrated circuit (IC) chip, or
a radio frequency (RF) antenna; and

one or more processors, communicatively coupled to the one or more memories, to:
monitor the movement of the smart transaction card via the sensor during a tracking period;
determine measurements of a gait of a user during the tracking period from the movement of the smart transaction card during the tracking period;
compare the measurements of the gait of the user during the tracking period and gait signatures associated with a plurality of authorized users,
the plurality of authorized users including the user and at least one user different from the user;

perform an action associated with the smart transaction card based on a result of comparing the measurements of the gait of the user during the tracking period and the gait signatures and based upon detecting a transaction,
the action enabling the smart transaction card to be used in the transaction with the transaction terminal or disabling the smart transaction card from being used in the transaction; and

transmit a notification to the transaction terminal indicating a status of an unauthorized use of the smart transaction card.

2. The smart transaction card of claim 1 , where the one or more processors are further to:
determine whether the measurements of the gait of the user during the tracking period satisfy a threshold variation of one or more of the gait signatures.

3. The smart transaction card of claim 1 , where the one or more processors, when performing the action associated with the smart transaction card, are to:
transmit another notification indicating the status of the unauthorized use of the smart transaction card to a device in communication with the smart transaction card based on the gait signatures and the measurements of the gait of the user during the tracking period.

4. The smart transaction card of claim 1 , where the one or more processors, when comparing the measurements of the gait of the user during the tracking period and the gait signatures associated with the smart transaction card plurality of authorized users, are to:
compare the measurements of the gait of the user during the tracking period to one or more of the gait signatures.

5. The smart transaction card of claim 1 , where the gait signatures correspond to the smart transaction card being carried by the plurality of authorized users during a calibration period,
where the calibration period occurs prior to the tracking period.

6. The smart transaction card of claim 1 , where the gait signatures correspond to the smart transaction card being carried by the user in a plurality of different manners during a calibration period,
where the calibration period occurs prior to the tracking period.

7. The smart transaction card of claim 6 , where the calibration period is initiated based on at least one of:
an activation of the smart transaction card,
user input, or
instructions from a user device.

8. The smart transaction card of claim 1 , where the one or more processors are further to:
communicate to a security device that the measurements of the gait of the user during the tracking period do not satisfy a threshold variation of one or more of the gait signatures to cause the security device to disable access to the transaction terminal using the smart transaction card.

9. The smart transaction card of claim 1 , where the smart transaction card is one of:
an access card,
a credit card,
a debit card,
a gift card,
an automated teller machine (ATM) card,
a rewards card, or
a client loyalty card.

10. 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:
obtain gait signatures associated with a plurality of authorized users,
the plurality of authorized users including a user and at least one user different from the user;

monitor movement of a smart transaction card via a sensor of the smart transaction card during a tracking period,
the sensor being disposed within the smart transaction card,
the smart transaction card being a physical card;

determine measurements of a gait of the user during the tracking period from the movement of the smart transaction card;
compare the measurements of the gait of the user and gait signatures associated with the plurality of authorized users;
perform an action associated with the smart transaction card based on a result of comparing the measurements of the gait of the user of the tracking period and the gait signatures and based upon detecting a transaction with a transaction terminal,
the action enabling the smart transaction card to be used in the transaction with the transaction terminal or disabling the smart transaction card from being used in the transaction; and

transmit a notification to the transaction terminal indicating a status of an unauthorized use of the smart transaction card.

11. The non-transitory computer-readable medium of claim 10 , where the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:
generate the gait signatures based on movement of the smart transaction card during a calibration period,
where the calibration period occurs prior to the tracking period.

12. The non-transitory computer-readable medium of claim 10 , where
each of the gait signatures are different.

13. The non-transitory computer-readable medium of claim 12 , where the gait signatures correspond to the smart transaction card being carried by the user in a plurality of different manners during a calibration period,
where the calibration period occurs prior to the tracking period.

14. The non-transitory computer-readable medium of claim 12 , where the gait signatures correspond to the smart transaction card being carried by the plurality of authorized users during a calibration period,
where the calibration period occurs prior to the tracking period.

15. The non-transitory computer-readable medium of claim 10 , where the smart transaction card is one of:
an access card,
a credit card,
a debit card,
a gift card,
an automated teller machine (ATM) card,
a rewards card, or
a client loyalty card.

16. A method performed by a smart transaction card, the method comprising:
monitoring movement of the smart transaction card via a sensor of the smart transaction card during a tracking period,
the smart transaction card being a physical card;

determining measurements of a gait of a user during the tracking period from the movement of the smart transaction card during the tracking period;
comparing the measurements of the gait of the user during the tracking period and gait signatures associated with a plurality of authorized users,
the plurality of authorized users including the user and at least one user different from the user;

determining that the measurements of the gait of the user during the tracking period do not satisfy a threshold variation of one or more of the gait signatures;
disabling a function of the smart transaction card b

Assignees

• Capital One Services Llc

Inventors

• Koeppel Adam
• SANGI Saleem
• Perry Robert
• Kelly Kevin

Classifications

• A61B5/112

  Gait analysis · CPC title

• G06Q20/341

  Active cards, i.e. cards including their own processing means, e.g. including an IC or chip · CPC title

• G06Q20/354

  Card activation or deactivation · CPC title

• A61B5/6887

  mounted on external non-worn devices, e.g. non-medical devices · CPC title

• G07F7/125

  Offline card verification · CPC title