Dynamic transaction card optimization

Patent metadata

Field	Value
Publication number	US-10438191-B2
Application number	US-201916240121-A
Country	US
Kind code	B2
Filing date	Jan 4, 2019
Priority date	Apr 14, 2015
Publication date	Oct 8, 2019
Grant date	Oct 8, 2019

Abstract

The present disclosure relates to devices and methods relating to an optimized electronic transaction card where various data inputs associated with a dynamic transaction card optimize operational configurations and/or a user experience of the dynamic transaction card to extend an energy storage life of the dynamic transaction card, promote various behaviors, and/or detect system and/or device defects. A dynamic transaction card may include a dynamic transaction card with various configuration and/or functionality that use the power components (e.g., printed circuit board (PCB), energy storage component, battery, and/or the like) of the dynamic transaction card. The configuration and/or functionality data may include, for example, sensor input, connection data, transaction data, display data, and/or the like. The configuration and/or functionality data may then be used to determine optimal configuration settings.

First claim

The Invention claimed is:

1. A dynamic transaction card comprising:
a sensor within the dynamic transaction card; and
data storage within the dynamic transaction card;
wherein the data storage stores optimal card configurations; and
wherein the sensor:
receives an input;
monitors a plurality of hardware components of the dynamic transaction card to determine functionality data;
monitors a plurality of software configurations to determine configuration data;
transmits, via a network, the functionality data and the configuration data to a processor, wherein the processor:
processes the functionality data and configuration data with respect to a user group segment; and
calculates optimal card configurations based on the functionality data and the configuration data as variables;

receives, via the network, the optimal card configurations from the processor; and
applies the optimal card configurations to the dynamic transaction card.

2. The dynamic transaction card of claim 1 , wherein the functionality data and the configuration data comprise data from the input received at the sensor.

3. The dynamic transaction card of claim 1 , wherein the functionality data and the configuration data comprise data associated with at least one of:
data associated with power components of the dynamic transaction card;
connection data associated with a network connection of the dynamic transaction card;
transaction data associated with one or more transactions associated with dynamic transaction card; or
display data associated with a display of the dynamic transaction card.

4. The dynamic transaction card of claim 1 , wherein the sensor includes a capacitive touch sensor, and the input received by the sensor is a physical tap.

5. The dynamic transaction card of claim 1 , wherein the sensor includes a light sensor, and the input received by the sensor is ambient light.

6. The dynamic transaction card of claim 1 , wherein the processor is a processor associated with at least one of:
a mobile device;
a merchant system; or
a backend system.

7. The dynamic transaction card of claim 1 , wherein the processor calculates the optimal card configurations by:
determining a desired user behavior;
determining a probability that a particular functionality data results in the desired user behavior; and
assigning the particular functionality data as the optimal card configurations when the probability is higher than a predetermined threshold.

8. The dynamic transaction card of claim 1 , wherein the optimal card configurations are calculated at the processor by minimizing energy consumption using the functionality data and the configuration data as variables.

9. The dynamic transaction card of claim 1 , wherein the user group segment is based on common features between one or more dynamic transaction cards, the common features comprising at least one of demographic data, geolocation data, software versions, or hardware characteristics.

10. A method comprising:
receiving, from a sensor of a dynamic transaction card, functionality data and configuration data at a remote processor associated with a mobile device, a merchant system, or a backend system, wherein the sensor:
receives an input;
monitors a plurality of hardware components of the dynamic transaction card to determine functionality data; and
monitors a plurality of software configurations to determine configuration data;

calculating, with the processor, optimal card configurations for the dynamic transaction card based at least in part on the functionality data and the configuration data; and
transmitting, via a network, the optimal card configurations to the sensor of the dynamic transaction card.

11. The method of claim 10 ,
wherein the sensor includes a capacitive touch sensor;
wherein the input is a physical tap; and
wherein the functionality data and/or the configuration data are associated with the physical tap.

12. The method of claim 10 ,
wherein the sensor includes a light sensor;
wherein the input is received ambient light; and
wherein the functionality data and the configuration data are associated with the received ambient light.

13. The method of claim 10 , wherein the optimal card configurations are calculated at the processor by minimizing energy consumption using the functionality data and the configuration data as variables.

14. The method of claim 10 further comprising:
processing the functionality data and configuration data with respect to a user group segment;
wherein the user group segment is based on common features between one or more dynamic transaction cards, the common features comprising at least one of demographic data, geolocation data, software revisions, or hardware characteristics.

15. A method comprising:
monitoring, with a sensor of a dynamic transaction card, a plurality of hardware components of the dynamic transaction card to determine functionality data;
monitoring, with the sensor, a plurality of software configurations of the dynamic transaction card to determine configuration data;
transmitting, with a network, the functionality data and the configuration data to a remote processor associated with a mobile device, a merchant system, or a backend system;
receiving, at the sensor, an optimal card configuration for the dynamic transaction card from the remote processor; and
applying, with the sensor, the optimal card configuration to the plurality of hardware components and/or software configurations.

16. The method of claim 15 , further comprising:
receiving, at the sensor, an input;
wherein the functionality data and the configuration data are associated with the input.

17. The method of claim 16 , wherein the sensor includes a capacitive touch sensor, and
wherein the input is a physical tap.

18. The method of claim 16 , wherein the sensor includes a light sensor, and
wherein the input is received ambient light.

19. The method of claim 15 , wherein the functionality data and the configuration data comprise data associated with at least one of:
data associated with power components of the dynamic transaction card;
connection data associated with a network connection of the dynamic transaction card;
transaction data associated with one or more transactions associated with dynamic transaction card; or
display data associated with a display of the dynamic transaction card.

Assignees

• Capital One Services Llc

Inventors

• ZARAKAS James
• York Brennon

Classifications

• G07F7/084

  Additional components relating to data transfer and storing, e.g. error detection, self-diagnosis · CPC title

• G06Q20/34

  using cards, e.g. integrated circuit [IC] cards or magnetic cards · CPC title

• G06Q20/352

  Contactless payments by cards · CPC title

• G06Q20/341 Primary

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

• G06F21/81

  by operating on the power supply, e.g. enabling or disabling power-on, sleep or resume operations · CPC title