Augmented reality card activation experience

Patent metadata

Field	Value
Publication number	US-11907932-B2
Application number	US-202217971070-A
Country	US
Kind code	B2
Filing date	Oct 21, 2022
Priority date	May 12, 2020
Publication date	Feb 20, 2024
Grant date	Feb 20, 2024

Abstract

Various embodiments are generally directed to enhancing a card activation experience for an authorized card user when activating a new card by at least displaying various types of information related to the new card in augmented reality (AR) and allowing the user to perform the activation itself or experience other aspects of the activation process in AR. Information pertaining the successful activation of the card may also be provided to the user in AR.

First claim

What is claimed is:

1. A computer-implemented method, comprising:
generating, using at least one processor, an augmented reality interface for displaying by at least one mobile device, the generated augmented reality interface including data extracted from one or more contactless cards;
authenticating, using the at least one processor, the one or more contactless cards, using the generated augmented reality interface, by receiving one or more cryptograms generated by the one or more contactless cards in response to at least one transmission from the at least one mobile device;
receiving, using the at least one processor, one or more graphical inputs in the generated augmented reality interface, the one or more graphical inputs being associated with one or more operations of the one or more contactless cards; and
executing, using the at least one processor, based on the authenticating, the one or more operations of the one or more contactless cards.

2. The method according to claim 1 , wherein the generating includes
detecting, using the at least one processor, the one or more contactless cards being present within a predetermined distance from the at least one mobile device; and
generating, based on the detecting, the augmented reality interface.

3. The method according to claim 2 , wherein the detecting includes tapping the one or more contactless cards on the at least one mobile device.

4. The method according to claim 1 , wherein the at least one mobile device is configured to execute at least one mobile application, the at least one mobile application is configured to generate the augmented reality interface.

5. The method according to claim 1 , wherein the augmented reality interface is configured to interactively display the data extracted from the one or more contactless cards by configuring the data extracted from the one or more contactless cards to be selectable.

6. The method according to claim 5 , wherein the one or more graphical inputs are based on at least a portion of the data extracted from the one or more contactless cards selected using the augmented reality interface.

7. The method according to claim 1 , wherein the data extracted from the one or more contactless cards includes at least one of the following: a credit limit associated with an account linked to the one or more contactless cards, one or more annual percentage rates associated with the account linked to the one or more contactless cards, one or more payment due dates associated with the account linked to the one or more contactless cards, one or more messages associated with the account linked to the one or more contactless cards, and any combination thereof.

8. The method according to claim 1 , wherein the one or more operations include at least one of the following: adding or deleting one or more authorized users to an account linked to the one or more contactless cards, setting up one or more autopay options for payment of the account linked to the one or more contactless cards, enabling or disabling a card chip associated with the one or more contactless cards, and any combination thereof.

9. The method according to claim 1 , wherein the data extracted from the one or more contactless cards includes at least one of the following: a text data, a graphical data, and any combination thereof.

10. The method according to claim 1 , wherein the authenticating includes
transmitting the one or more cryptograms to a server communicatively coupled to the mobile device; and
decrypting, by the server, the one or more cryptograms; and
comparing, by the server, the one or more decrypted cryptograms to one or more stored data associated with the one or more contactless cards to generate at least one of a verification of the one or more contactless cards or a failure to verify the one or more contactless cards; and
receiving, from the server, by the at least one processor, the at least one of a verification of the one or more contactless cards or a failure to verify the one or more contactless cards.

11. The method according to claim 10 , further comprising determining whether to activate the one or more contactless cards based on the received at least one of a verification of the one or more contactless cards or a failure to verify the one or more contactless cards.

12. The method according to claim 1 , wherein the at least one processor is communicatively coupled to at least one camera, wherein the data extracted from the one or more contactless cards is extracted from one or more images of the one or more contactless cards generated by the at least one camera and transmitted to the at least one processor.

13. A system, comprising:
at least one processor; and
at least one non-transitory storage media storing instructions, that when executed by the at least one processor, cause the at least one processor to perform operations including
detecting one or more contactless cards being present within a predetermined distance from at least one mobile device; and
generating an augmented reality interface for displaying by the at least one mobile device, the generated augmented reality interface including data extracted from the one or more contactless cards;
receiving one or more cryptograms generated by the one or more contactless cards in response to at least one transmission from the at least one mobile device;
authenticating the one or more contactless cards using the generated augmented reality interface;
receiving, using the at least one processor, one or more graphical inputs in the generated augmented reality interface, the one or more graphical inputs being associated with one or more operations of the one or more contactless cards; and
executing, using the at least one processor, based on the authenticating, the one or more operations of the one or more contactless cards.

14. The system according to claim 13 , wherein the detecting includes tapping the one or more contactless cards on the at least one mobile device.

15. The system according to claim 13 , wherein the at least one mobile device is configured to execute at least one mobile application, the at least one mobile application is configured to generate the augmented reality interface.

16. The system according to claim 13 , wherein the augmented reality interface is configured to interactively display the data extracted from the one or more contactless cards by configuring the data extracted from the one or more contactless cards to be selectable;
wherein the one or more graphical inputs are based on at least a portion of the data extracted from the one or more contactless cards selected using the augmented reality interface.

17. The system according to claim 13 , wherein the data extracted from the one or more contactless cards includes at least one of the following: a credit limit associated with an account linked to the one or more contactless cards, one or more annual percentage rates associated with the account linked to the one or more contactless cards, one or more payment due dates associated with the account linked to the one or more contactless cards, one or more messages associated with the account linked to the one or more contactless cards, and any combination thereof.

18. The system according to claim 13 , wherein the one or more operations include at least one of the following: adding or deleting one or more authorized users to an account linked to the one or more contactless cards, setting up one or more autopay options for payment of the account linked to the one or more contactless cards, enabl

Assignees

• Capital One Services Llc

Inventors

• Rule Jeffrey
• Emmott Kevan

Classifications

• G06Q20/3552 Primary

  Downloading or loading of personalisation data · CPC title

• G06Q20/3276

  using a pictured code, e.g. barcode or QR-code, being read by the M-device · CPC title

• G06Q20/352

  Contactless payments by cards · CPC title

• G06Q20/3558

  Preliminary personalisation for transfer to user · CPC title

• G06Q40/02 Primary

  Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) · CPC title