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

Patent metadata

Field	Value
Publication number	US-10521709-B2
Application number	US-201916512955-A
Country	US
Kind code	B2
Filing date	Jul 16, 2019
Priority date	Jan 19, 2018
Publication date	Dec 31, 2019
Grant date	Dec 31, 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 method, comprising:
transmitting, by a device and to a transaction card, an instruction to configure one or more applets on the transaction card,
a configuration of the one or more applets being associated with the transaction card completing a transaction;

receiving, by the device, from the transaction card, and based on the instruction, a request for an applet; and
transmitting, by the device, to the transaction card, and based on the request, a particular applet for completing the transaction,
the transaction being completed based on the particular applet being transmitted from the device to the transaction card.

2. The method of claim 1 , wherein the particular applet, before being transmitted to the transaction card, is not configured on the transaction card.

3. The method of claim 1 , further comprising:
storing a data structure that includes information identifying a set of applets and corresponding types of transactions.

4. The method of claim 1 , further comprising:
generating an electromagnetic field; and
inducing electric current in a near field communication (NFC) component of the transaction card based on the NFC component being within a threshold proximity of the electromagnetic field.

5. The method of claim 1 , wherein the instruction is a first instruction; and
wherein the method further comprises:
transmitting a second instruction to the transaction card to power on the transaction card; and
receiving, based on the second instruction and from the transaction card, a notification indicating that the transaction card has powered on; and

wherein transmitting the first instruction comprises:
transmitting the first instruction based on receiving the notification.

6. The method of claim 1 , wherein the instruction is a first instruction; and
wherein the method further comprises:
receiving a notification that a threshold amount of electric current has been induced in an NFC component of the transaction card; and
transmitting, based on receiving the notification, a second notification to the transaction card to power on the transaction card.

7. The method of claim 1 , further comprising:
receiving, from the transaction card, a notification requesting approval to configure a set of applets on the transaction card;
opening, based on the notification, an application installed on the device; and
receiving a selection of the one or more applets to be configured on the device; and
wherein transmitting the instruction comprises:
transmitting the instruction based on receiving the selection.

8. A device, comprising:
one or more memories; and
one or more processors communicatively coupled to the one or more memories, configured to:
transmit, to a transaction card, an instruction to configure one or more applets on the transaction card,
a configuration of the one or more applets being associated with the transaction card completing a transaction;

receive, from the transaction card and based on the instruction, a request for an applet; and
transmit, to the transaction card and based on the request, a particular applet for completing the transaction,
the transaction being completed based on the particular applet being transmitted from the device to the transaction card.

9. The device of claim 8 , wherein the particular applet, before being transmitted to the transaction card, is not configured on the transaction card.

10. The device of claim 8 , wherein the one or more processors are further configured to:
store a data structure that includes information identifying a set of applets and corresponding types of transactions.

11. The device of claim 8 , wherein the one or more processors are further configured to:
generate an electromagnetic field; and
induce electric current in a near field communication (NFC) component of the transaction card based on the NFC component being within a threshold proximity of the electromagnetic field.

12. The device of claim 8 , wherein the instruction is a first instruction; and
wherein the one or more processors are further configured to:
transmit a second instruction to the transaction card to power on the transaction card; and
receive, based on the second instruction and from the transaction card, a notification indicating that the transaction card has powered on; and

wherein the one or more processors, when transmitting the first instruction, are configured to:
transmit the first instruction based on receiving the notification.

13. The device of claim 8 , wherein the instruction is a first instruction; and
wherein the one or more processors are further configured to:
receive a notification that a threshold amount of electric current has been induced in an NFC component of the transaction card; and
transmit, based on receiving the notification, a second notification to the transaction card to power on the transaction card.

14. The device of claim 8 , wherein the one or more processors are further configured to:
receive, from the transaction card, a notification requesting approval to configure a set of applets on the transaction card;
open, based on the notification, an application installed on the device; and
receive a selection of the one or more applets to be configured on the device; and
wherein the one or more processors, when transmitting the instruction, are configured to:
transmit the instruction based on receiving the selection.

15. 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:
transmit, to a transaction card, an instruction to configure one or more applets on the transaction card,
a configuration of the one or more applets being associated with the transaction card completing a transaction;

receive, from the transaction card and based on the instruction, a request for an applet; and
transmit, to the transaction card and based on the request, a particular applet for completing the transaction,
the transaction being completed based on the particular applet being transmitted to the transaction card.

16. The non-transitory computer-readable medium of claim 15 , wherein the particular applet, before being transmitted to the transaction card, is not configured on the transaction card.

17. The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:
store a data structure that includes information identifying a set of applets and corresponding types of transactions.

18. The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:
generate an electromagnetic field; and
induce electric current in a near field communication (NFC) component of the transaction card based on the NFC component being within a threshold proximity of the electromagnetic field.

19. The non-transitory computer-readable medium of claim 15 , wherein the instruction is a first instruction; and
wherein the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:
transmit a second instruction to the transaction card to power on the transaction card; and
receive, based on the second instruction and from the transaction card, a notification indicat

Assignees

• Capital One Services Llc

Inventors

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

Classifications

• G06Q20/3278 Primary

  RFID or NFC payments by means of M-devices · CPC title

• G06K19/0707 Primary

  the arrangement being capable of collecting energy from external energy sources, e.g. thermocouples, vibration, electromagnetic radiation (G06K19/0702 takes precedence) · CPC title

• G06Q20/3672

  initialising or reloading thereof · CPC title

• G06Q20/3563

  Software being resident on card · CPC title

• G06Q20/3552

  Downloading or loading of personalisation data · CPC title