Transaction card security device

Patent metadata

Field	Value
Publication number	US-11087326-B2
Application number	US-201916458515-A
Country	US
Kind code	B2
Filing date	Jul 1, 2019
Priority date	Oct 16, 2017
Publication date	Aug 10, 2021
Grant date	Aug 10, 2021

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 method, comprising:
monitoring, by a smart transaction card, 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, by the smart transaction card, measurements of a gait of a user during the tracking period based on the movement of the smart transaction card during the tracking period;
comparing, by the smart transaction card, the measurements of the gait of the user during the tracking period and a gait signature associated with the user; and
disabling, by the smart transaction card, a function of the smart transaction card, associated with a transaction with a terminal, based on determining that the measurements of the gait of the user during the tracking period do not satisfy a threshold variation of the gait signature.

2. The method of claim 1 , further comprising:
monitoring another movement of the smart transaction card via the sensor during a calibration period;
determining another set of measurements of the gait of the user during the calibration period based on the other movement; and
generating the gait signature for the user based on the other set of measurements.

3. The method of claim 2 , wherein the calibration period occurs prior to the tracking period.

4. The method of claim 2 , wherein 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.

5. The method of claim 1 , further comprising:
transmitting, based on determining that the measurements of the gait of the user during the tracking period do not satisfy the threshold variation of the gait signature, a notification indicating a status of an unauthorized use of the smart transaction card.

6. The method of claim 1 , further comprising:
determining that another set of measurements of the gait of the user during another tracking period satisfies the threshold variation of the gait signature; and
enabling the function of the smart transaction card based on determining that the other set measurements of the gait of the user during the other tracking period satisfies the threshold variation of the gait signature.

7. The method of claim 6 , wherein enabling the function of the smart transaction card comprises at least one of:
enabling a function that provides an access key to the terminal;
enabling a function that provides access to an area;
enabling a function that provides payment information to the terminal;
enabling a function that processes a financial transaction;
enabling a function that unlocks a security device of the smart transaction card;
enabling operations of the smart transaction card; or
enabling a function that powers the smart transaction card.

8. A physical transaction card for wireless communication, comprising:
at least one sensor;
a memory;
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 operatively coupled to the memory, the memory and the one or more processors configured to:
monitor movement of the physical transaction card via the at least one sensor of the physical transaction card during a first period of time;
determine measurements of a gait of a user during the first period of time based on the movement of the physical transaction card during the first period of time;
compare the measurements of the gait of the user during the first period of time and a gait signature associated with the user; and
disable a function of the physical transaction card, associated with the transaction with the transaction terminal, based on determining that the measurements of the gait of the user during the first period of time do not satisfy a threshold variation of the gait signature.

9. The physical transaction card of claim 8 , wherein the one or more processors are further configured to:
monitor another movement of the physical transaction card via the at least one sensor during a second period of time;
determine another set of measurements of the gait of the user during the second period of time based on the other movement; and
generate the gait signature tor the user based on the other set of measurements.

10. The physical transaction card of claim 9 , wherein the second period of time occurs prior to the first period of time.

11. The physical transaction card of claim 9 , wherein the second period of time is initiated based on at least one of:
an activation of the physical transaction card,
user input, or
instructions from a user device.

12. The physical transaction card of claim 8 , wherein the one or more processors are further configured to:
transmit, based on determining that the measurements of the gait of the user during the first period of time do not satisfy the threshold variation of the gait signature, a notification indicating a status of an unauthorized use of the physical transaction card.

13. The physical transaction card of claim 8 , wherein the one or more processors are further configured to:
determine that the measurements of the gait of the user during the first period of time satisfies the threshold variation of the gait signature; and
enable the function of the physical transaction card based on determining that the measurements of the gait of the user during the first period of time satisfies the threshold variation of the gait signature.

14. The physical transaction card of claim 8 , wherein the one or more processors, when disabling the function of the physical transaction card, are further configured to at least one of:
disable the physical transaction card from providing an access key to the transaction terminal;
disable the physical transaction card from providing access to an area;
disable the physical transaction card from providing payment information to the transaction terminal;
disable the physical transaction card from processing a financial transaction;
disable the physical transaction card from unlocking a security device;
disable operations of the physical transaction card; or
disable a function that powers the physical transaction card.

15. A non-transitory computer-readable medium storing one or more instructions for wireless communication, the one or more instructions comprising:
one or more instructions that, when executed by one or more processors of a smart transaction card, cause the one or more processors to:
monitor 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;

determine measurements of a gait of a user during the tracking period based on 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 a gait signature associated with the user;
determine that the measurements of the gait of the user during the tracking period do not satisfy a threshold variation of the gait signature associated with the user; and
disable a function of the smart transaction card based on determining that the measurements of the gait of the user during the tracking period do not satisfy the threshold variation of the gait signature associated with the user and based upon detecting a transaction with a transaction terminal.

16. The non-transitory compu

Assignees

• Capital One Services Llc

Inventors

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

Classifications

• G06Q20/354

  Card activation or deactivation · CPC title

• G07F7/125

  Offline card verification · CPC title

• G06Q20/40145 Primary

  Biometric identity checks · CPC title

• G06Q20/341

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

• G06Q20/355

  Personalisation of cards for use · CPC title