Transaction token that stores and presents location-specific token identifiers

Patent metadata

Field	Value
Publication number	US-11663580-B2
Application number	US-202117193874-A
Country	US
Kind code	B2
Filing date	Mar 5, 2021
Priority date	Mar 5, 2021
Publication date	May 30, 2023
Grant date	May 30, 2023

Abstract

In certain embodiments, location-based activation of card identifiers may be facilitated. In some embodiments, an electrophoretic display card may store a set of location-specific card identifiers, where each card identifier of the set is associated with (i) an account of a user and (ii) creation location information indicating a device location of the user at a creation time of the card identifier. In response to being powered by a user device, the card may initiate wireless communication with the user device. The card may determine a device location of the user device, select a card identifier from the set of card identifiers that matches the device location, and switch a state of the card identifier to an active state to enable transaction processing for the card identifier. In some embodiments, the card may cause the active card identifier to be presented on an electrophoretic display of the card.

First claim

What is claimed is:

1. An electrophoretic display card for storing and presenting a location-specific card identifier based on a corresponding device location, the card comprising:
a body comprising one or more surfaces, the body having a length of 80 mm-87 mm, a width of 50 mm-57 mm, and a thickness of 0.6 mm-0.8 mm;
an electrophoretic display on a surface of the body;

memory embedded in the body; and
circuitry embedded in the body, wherein the circuitry performs operations comprising:
in response to being powered by a user device, establishing a wireless connection with the user device;
receiving from the user device a request to generate a first location-specific card identifier;
obtaining device location indicating a creation location at which the user device is located, a creation time information during which the first location-specific card identifier is generated, and a restriction information comprising an account of a user;
generating the first location-specific card identifier;
adding the first location-specific card identifier to a set of location-specific card identifiers stored in the memory;
subsequently obtaining, via the wireless connection with the user device, (i) device location information indicating a location at which the user device is located and (ii) time information indicating a current time;
selecting, from the set of location-specific card identifiers stored on the memory, the first location-specific card identifier to be in an active state based on the device location information matching the location of the user at the creation time of the location-specific card identifier and the time information, wherein the active state corresponds to a state in which processing is enabled for a card identifier;
switching the first location-specific card identifier from an inactive state to the active state based on the selection; and
causing the electrophoretic display to present the first location-specific card identifier based on the first location-specific card identifier being in the active state.

2. The card of claim 1 , wherein the operations comprise:
obtaining, from the user device, a new location-specific card identifier responsive to creation of the new location-specific card identifier, wherein the new location-specific card identifier is associated with (i) the account of the user, (ii) creation location information indicating a location of the user at a creation time of the new location-specific card identifier, and (iii) a time threshold related to the creation time of the new location-specific card identifier.

3. The card of claim 1 , wherein the user device includes a mobile device associated with the user.

4. The card of claim 1 , wherein the card comprises a credit card, a debit card, a travel pass, or a payment token.

5. A card comprising:
memory; and
circuitry embedded in the card, wherein the circuitry performs operations comprising:
establishing a wireless connection;
receiving from a user device a request to generate a first location-specific card identifier;
obtaining device location indicating a creation location at which the user device is located, a creation time information during which the first location-specific card identifier is generated, and a restriction information comprising an account of a user;
generating the first location-specific card identifier;
adding the first location-specific card identifier to a set of location-specific card identifiers stored in the memory;
subsequently obtaining, via the wireless connection, device location information indicating a location at which a user device is located;
selecting, from the set of location-specific card identifiers stored on the memory, the first location-specific card identifier to be in an active state based on the device location information matching the location of the user at the creation time of the first location-specific card identifier; and
switching the first location-specific card identifier to an active state based on the selection to enable the first location-specific card identifier to be used for card processing.

6. The card of claim 5 , wherein the operations further comprise: presenting, using an electrophoretic display of the card, information regarding the first location-specific card identifier based on the first location-specific card identifier being in the active state.

7. The card of claim 5 , wherein the user device includes a mobile device associated with the user.

8. The card of claim 7 , wherein the operations further comprise: obtaining, from the user device, a new location-specific card identifier responsive to creation of the new location-specific card identifier.

9. The card of claim 8 , wherein the new location-specific card identifier is associated with creation location information, which includes location information that is representative of a location at which the user device is located at a creation time of the new location-specific card identifier.

10. The card of claim 8 , wherein the new location-specific card identifier is associated with a time threshold related to the creation time of the new location-specific card identifier.

11. The card of claim 5 , wherein the operations further comprise: switching the first location-specific card identifier to an inactive state based on (i) the device location information not matching the creation location information or (ii) a current time not satisfying a time threshold associated with the first location-specific card identifier, wherein the inactive state corresponds to a state in which transaction processing is disabled for a location-specific card identifier.

12. The card of claim 5 , wherein the creation location information includes user-specified location information that is representative of a location specified by the user at a creation time of the corresponding location-specific card identifier.

13. The card of claim 5 , wherein the card comprises a credit card, a debit card, a travel pass, or a payment token.

14. A non-transitory computer-readable medium comprising instructions that, when executed by one or more processors, cause operations comprising:
receiving from a user device a request to generate a first location-specific card identifier;
obtaining device location indicating a creation location at which the user device is located, a creation time information during which the first location specific card identifier is generated, and a restriction information comprising an account of a user;
generating the first location-specific card identifier;
adding the first location-specific card identifier to a set of location-specific card identifiers;
subsequently obtaining device location information indicating a location at which a user device is located;
selecting, from the set of location-specific card identifiers, the first location-specific card identifier based on the device location information matching the location of the user at the creation time of the first location-specific card identifier; and
causing the first location-specific card identifier to be set to an active state based on the selection to enable the first location-specific card identifier to be used for card processing.

15. The computer-readable medium of claim 14 , wherein the operations further comprise:
presenting information regarding the first location-specific card identifier based on the first location-specific card identifier being in the active state.

16. The computer-readable medium of claim 14 , wherein obtaining the device location information includes:
establishing a wireless c

Assignees

• Capital One Services Llc

Inventors

• Gupta Varun
• Sneider Amanda
• Fenichel Allison

Classifications

• G06Q20/4015

  using location information · CPC title

• G06Q20/354

  Card activation or deactivation · CPC title

• G06Q20/352

  Contactless payments by cards · CPC title

• G06Q20/3572 Primary

  Multiple accounts on card · CPC title

• G06Q20/341 Primary

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