Programmable card for token payment and systems and methods for using programmable card

Patent metadata

Field	Value
Publication number	US-11410157-B2
Application number	US-201916693460-A
Country	US
Kind code	B2
Filing date	Nov 25, 2019
Priority date	Nov 25, 2019
Publication date	Aug 9, 2022
Grant date	Aug 9, 2022

Abstract

Programmable cards, computer-readable media, and systems are disclosed for token payment. For example, a programmable card for token payment, according to some embodiments, may include an antenna and a contact interface. The card may be configured to store, in the rewritable memory, a token transmitted from a user device via a first near field communication (NFC) signal received by the antenna, and provide the stored token to a point of sales terminal via a second NFC signal transmitted by the antenna or via the contact interface.

First claim

What is claimed is:

1. A programmable card for token payment, comprising:
an antenna;
a contact interface; and
a chip communicatively connected to the antenna and the contact interface, the chip including a processor and a rewritable memory, the processor configured to:
store, in the rewritable memory, a first token transmitted from a user device via a first near field communication (NFC) signal received by the antenna, the first token representing a primary account number of a user of the user device and defining at least one of a time frame during which the first token is usable or a geographical area in which the first token is usable,
when the programmable card is connected to a point of sales terminal via NFC and the first token is stored in the rewritable memory, provide the stored first token to the point of sales terminal via a second NFC signal transmitted by the antenna,
when the programmable card is connected to the point of sales terminal via the contact interface and the first token is stored in the rewritable memory, provide the stored first token to the point of sales terminal via the contact interface, and
overwrite the stored first token in the rewriteable memory with a second token transmitted from the user device via a third NFC signal received by the antenna, the second token representing the primary account number of the user of the user device and defining the time frame during which the second token is usable or the geographical area in which the second token is usable such that the second token is different than the first token.

2. The programmable card according to claim 1 , wherein the programmable card does not have a magnetic stripe.

3. The programmable card according to claim 1 , wherein the processor is further configured to authenticate the user device prior to storing the first token in the rewritable memory.

4. The programmable card according to claim 1 , wherein the processor is further configured to authenticate the point of sales terminal prior to providing the stored first token to the point of sales terminal.

5. The programmable card according to claim 1 , wherein the stored first token is encrypted.

6. The programmable card according to claim 1 , wherein the stored first token has a spending amount limitation.

7. The programmable card according to claim 1 , wherein the stored first token is limited to a specified merchant.

8. The programmable card according to claim 1 , wherein the stored first token is a one-time-use token.

9. The programmable card according to claim 1 , wherein the processor is further configured to reprogram the rewriteable memory with the second token such that the rewriteable memory stores one token at a time.

10. A method for token payment, the method comprising:
storing, by at least one processor, in a rewritable memory of a programmable card, a first token transmitted from a user device via a first near field communication (NFC) signal received by an antenna of the programmable card, the first token representing a primary account number of a user of the user device and defining at least one of a time frame during which the first token is usable or a geographical area in which the first token is usable,
when the programmable card is connected to a point of sales terminal via NFC and the first token is stored in the rewritable memory, providing, by the at least one processor, the stored first token to the point of sales terminal via a second NFC signal transmitted by the antenna,
when the programmable card is connected to the point of sales terminal via a contact interface of the programmable card and the first token is stored in the rewritable memory, providing, by the at least one processor, the stored first token to the point of sales terminal via the contact interface, and
overwriting, by the at least one processor, the stored first token in the rewriteable memory with a second token transmitted from the user device via a third NFC signal received by the antenna, the second token representing the primary account number of the user of the user device and defining at least one of the time frame during which the second token is usable or the geographical area in which the second token is usable such that the second token is different than the first token.

11. The method of claim 10 , wherein the programmable card does not have a magnetic stripe.

12. The method of claim 10 , further comprising authenticating, by the at least one processor, the user device prior to storing the first token in the rewritable memory.

13. The method of claim 10 , further comprising authenticating, by the at least one processor, the point of sales terminal prior to providing the stored first token to the point of sales terminal.

14. The method of claim 10 , wherein the stored first token is encrypted.

15. The method of claim 10 , wherein the stored first token includes a spending amount limitation.

16. The method of claim 10 , wherein the stored first token includes a specified merchant.

17. The method of claim 10 , wherein the stored first token includes a one-time-use token.

18. The method of claim 10 , wherein the programmable card includes a chip communicatively connected to the antenna and the contact interface, wherein the chip includes the at least one processor and the rewritable memory.

19. The method of claim 10 , further including reprogramming the rewriteable memory with the second token such that the rewriteable memory stores one token at a time.

20. A method for token payment, the method comprising:
storing, by at least one processor, in a rewritable memory of a programmable card not having a magnetic stripe, a first token transmitted from a user device via a first near field communication (NFC) signal received by an antenna of the programmable card, the first token representing a primary account number of a user of the user device and defining at least one of a time frame during which the first token is usable or a geographical area in which the first token is usable;
establishing, by the at least one processor, a connection to a point of sales terminal via at least one of a second NFC signal or a contact interface;
authenticating, by the at least one processor, the point of sales terminal;
when the programmable card is connected to the point of sales terminal via the second NFC signal and the first token is stored in the rewritable memory, providing, by the at least one processor, the stored first token to the point of sales terminal via the second NFC signal transmitted by the antenna,
when the programmable card is connected to the point of sales terminal via the contact interface and the first token is stored in the rewritable memory, providing, by the at least one processor, the stored first token to the point of sales terminal via the contact interface; and
overwriting, by the at least one processor, the stored first token in the rewriteable memory with a second token transmitted from the user device via a third NFC signal received by the antenna, the second token representing the primary account number of the user of the user device and defining at least one of the time frame during which the second token is usable or the geographical area in which the second token is usable such that the second token is different than the first token.

Assignees

• Capital One Services Llc

Inventors

• Tesser Daniel
• De La Rosa Luis
• Wieker Jeffrey
• Johnson Clayton

Classifications

• G06Q20/322

  Aspects of commerce using mobile devices [M-devices] · CPC title

• G06Q20/3552 Primary

  Downloading or loading of personalisation data · CPC title

• G06Q20/385

  using an alias or single-use codes · CPC title

• G06Q20/40

  Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists · CPC title

• G06Q20/3825

  Use of electronic signatures · CPC title