Transaction card assembly

Patent metadata

Field	Value
Publication number	US-11893443-B2
Application number	US-202217829761-A
Country	US
Kind code	B2
Filing date	Jun 1, 2022
Priority date	Dec 1, 2021
Publication date	Feb 6, 2024
Grant date	Feb 6, 2024

Abstract

A modular transaction card assembly includes a card frame having the traditional dimensions of a credit card, and a transaction card that is smaller than a traditional card and that fits into a receptacle of the card frame. Each of the card frame and the transaction card may be capable of performing contactless data transactions individually. In some instances, the combined assembly of the card frame with the transaction card may detect a proximity of a mobile device to the assembly and generate an authentication credential that is unique to the combination of the card frame, the transaction card, and the mobile device. The authentication credential may be used to authentic the transaction card when conducting a data transaction.

First claim

What is claimed is:

1. A smart card system for performing data transactions, the smart card system comprising a card frame and a transaction card, wherein:
the transaction card comprises a first processor circuit and a first memory having a first credential stored therein;
the card frame comprises a second processor circuit, a second memory having a second credential stored therein, and a receptacle configured to secure, enable removal of, and resecure the transaction card in the card frame;
wherein, when the transaction card is secured in the card frame, the first processor circuit, the second processor circuit, or a combination of the first processor circuit and the second processor circuit, is configured to:
retrieve a third credential from the first memory or the second memory;
determine that a mobile device identified by the third credential is within a predetermined distance to the card frame;
generate, based the determination that the mobile device is within the predetermined distance to the card frame, a fourth credential, wherein the fourth credential is generated from the first credential, the second credential, and the third credential; and
perform, using the fourth credential, a data transaction between the transaction card and one of a plurality of terminals.

2. The smart card system of claim 1 , wherein:
the transaction card or the card frame comprises an antenna; and
the first processor circuit, the second processor circuit, or the combination of the first processor circuit and the second processor circuit, is configured to:
establish, via the antenna, a peer-to-peer network between the mobile device and the transaction card; and
determine that the mobile device is within the predetermined distance based on the peer-to-peer network being established.

3. The smart card system of claim 1 , wherein:
the transaction card or the card frame comprises an antenna configured to receive information from a wireless network; and
the first processor circuit, the second processor circuit, or the combination of the first processor circuit and the second processor circuit is configured to determine that the mobile device is within the predetermined distance based on detecting the third credential in the information.

4. The smart card system of claim 3 , wherein the first processor circuit, the second processor circuit, or the combination of the first processor circuit and the second processor circuit, is configured to:
connect to the wireless network via an access point of the wireless network;
receive the information from the access point; and
determine that the mobile device is within the predetermined distance based the information indicating that the mobile device and the transaction card are located within a common geographical boundary.

5. The smart card system of claim 4 , wherein the information indicating that the mobile device and the transaction card are located within the common geographical boundary includes: a location of the mobile device or a location of the transaction card.

6. The smart card system of claim 3 , wherein the first processor circuit, the second processor circuit, or the combination of the first processor circuit and the second processor circuit is configured to generate the fourth credential further based on a moving factor.

7. The smart card system of claim 6 , wherein the moving factor is based on an incremental count or an elapsed time.

8. The smart card system of claim 3 , wherein:
the information comprises a time, and
the first processor circuit or the second processor circuit is configured to generate the fourth credential as a one-time authentication credential further based on the time.

9. The smart card system of claim 1 , wherein, when the transaction card is secured in the card frame, the first processor circuit or the second processor circuit, is configured to:
determine a second occurrence of the mobile device identified by the third credential being within the predetermined distance to the transaction card;
generate, based the determination of the second occurrence of the mobile device being within the predetermined distance to the transaction card, a fifth credential, wherein the fifth credential is determined from a combination of the first credential, the second credential, and the third credential, wherein the fifth credential differs from the fourth credential; and
perform, using the fifth credential, a second data transaction between the transaction card and one of the plurality of terminals.

10. The smart card system of claim 1 , wherein:
the transaction card is one of a plurality of transaction cards comprised in the smart card system;
the receptacle is configured to secure, enable removal of, and resecure each of the plurality of transaction cards in the card frame; and
the second processor circuit is configured to:
retrieve a plurality of transaction card credentials respectively from the plurality of transaction cards when secured in the receptacle;
generate, based the mobile device being within the predetermined distance to the card frame, a plurality of authentication credentials, wherein the plurality of authentication credentials are uniquely determined from a combination of the second credential, the third credential, and respectively, the plurality of transaction card credentials; and
perform, using the plurality of authentication credentials, a plurality of data transactions with the one or more of the plurality of terminals when the plurality of transaction cards are respectively secured in the receptacle.

11. The smart card system of claim 1 , wherein, when the first processor circuit is configured to:
detect that the transaction card is not secured in the card frame;
determine that the mobile device is within the predetermined distance to the transaction card;
generate, based on the detection that the transaction card is not secured in the card frame and based on the determination that the mobile device is within the predetermined distance to the transaction card, a fifth credential determined from a combination of the first credential and the third credential; and
perform, using the fifth credential, a second secure data transaction between the transaction card and one of the plurality of terminals.

12. A transaction card comprising:
one or more antennas;
a memory having instructions stored therein; and
a processor circuit configured to execute the instructions, and based on the execution of the instructions, to:
retrieve a first credential from the memory;
receive, via the one or more antennas, information from a wireless network, wherein the information indicates that a mobile device associated with a second credential is within a predetermined distance to the transaction card;
generate, based the information, a third credential determined from a combination of the first credential and the second credential; and
perform, using the third credential and via the one or more antennas, a secure data transaction between the transaction card and one of a plurality of terminals.

13. The transaction card of claim 12 , wherein the processor circuit is configured, based on the execution of the instructions, to generate the third credential further based on a moving factor.

14. The transaction card of claim 13 , wherein the moving factor is based on an incremental count or a duration of time.

15. The transaction card of claim 13 , wherein:
the information comprises a time, and
wherein the processor circuit is configured, based on the execution of the instructions, to generate the third credential as a

Assignees

• Capital One Services Llc

Inventors

• Atkins Phoebe
• Saia Michael
• Vadrevu Vyjayanthi

Classifications

• G06K19/07773 Primary

  Antenna details (antennas for wireless devices, e.g. RFID tags, in general H01Q1/22) · CPC title

• H04W76/14

  Direct-mode setup · CPC title

• G06K19/06196 Primary

  Constructional details · CPC title

• G06K19/071

  the source being a field other than an interrogation field, e.g. WLAN, cellular phone network · CPC title

• G06K19/0723

  the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs · CPC title