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

Patent metadata

Field	Value
Publication number	US-10402708-B2
Application number	US-201916270095-A
Country	US
Kind code	B2
Filing date	Feb 7, 2019
Priority date	Jan 19, 2018
Publication date	Sep 3, 2019
Grant date	Sep 3, 2019

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.

First claim

What is claimed is:

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.

Assignees

• Capital One Services Llc

Inventors

• Koeppel Adam
• ZARAKAS James
• Johnson Molly
• LOCKE Tyler

Classifications

• G06Q20/3552

  Downloading or loading of personalisation data · CPC title

• G06Q20/3672

  initialising or reloading thereof · CPC title

• G06Q40/02

  Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) · CPC title

• G06Q20/3563

  Software being resident on card · CPC title

• G06K19/045

  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 title