Dynamic modification of a verification method associated with a transaction card

Patent metadata

Field	Value
Publication number	US-11961091-B2
Application number	US-202318191982-A
Country	US
Kind code	B2
Filing date	Mar 29, 2023
Priority date	Oct 25, 2017
Publication date	Apr 16, 2024
Grant date	Apr 16, 2024

Abstract

A device may determine that a verification method associated with a transaction card is to be modified from a first verification method to a second verification method. The first verification method and the second verification method may use different types of verification information. The device may provide a set of instructions to the transaction card after determining that the verification method is to be modified. The set of instructions may cause the transaction card to modify the verification method from the first verification method to the second verification method. The device may provide information identifying a modification to the verification method to a transaction backend device to notify the transaction backend device that the verification method associated with the transaction card has been modified from the first verification method to the second verification method.

First claim

What is claimed is:

1. A method, comprising:
receiving, by a first device, from a second device, and based on detecting that the first device and the second device are at a particular geographic location, instructions to modify a first verification method associated with the first device to a second verification method,
wherein the instructions enable the modification of the first verification method to the second verification method to be performed on the first device;

confirming, by the first device and based on communicating with a third device, that the first device is at the particular geographic location;
verifying, by the first device and based on communicating with the third device, that the first device can be configured to use the second verification method;
modifying, by the first device and based on verifying that the first device can be configured to use the second verification method, the first verification method to the second verification method; and
providing, by the first device, information indicating the modification of the first verification method.

2. The method of claim 1 , further comprising:
authenticating the instructions to modify the first verification method.

3. The method of claim 1 , further comprising:
requesting, to the third device, authorization of a transaction,
wherein the instructions to modify the first verification method are received based on the authorization.

4. The method of claim 1 , wherein the modification of the first verification method to the second verification method is based on the first device being communicatively connected with the third device.

5. The method of claim 1 , further comprising:
providing information that the modification of the first verification method to the second verification method was successful.

6. The method of claim 1 , further comprising:
receiving information to confirm that an account associated with the first device has been configured to support the second verification method.

7. The method of claim 1 , wherein communication between the first device, the second device, and the third device is carried out via wireless communications.

8. A first device, comprising:
one or more memories; and
one or more processors, coupled to the one or more memories, configured to:
receive, from a second device and based on detecting that the first device and the second device are at a particular geographic location, instructions to modify a first verification method associated with the first device to a second verification method,
wherein the instructions enable the modification of the first verification method to the second verification method to be performed on the first device;

confirm, based on communicating with a third device, that the first device is at the particular geographic location;
verify, based on communicating with the third device, that the first device can be configured to use the second verification method;
modify, based on verifying that the first device can be configured to use the second verification method, the first verification method to the second verification method; and
provide information indicating the modification of the first verification method.

9. The first device of claim 8 , wherein the one or more processors are further configured to:
authenticate the instructions to modify the first verification method.

10. The first device of claim 8 , wherein the one or more processors are further configured to:
request, to the third device, authorization of a transaction,
wherein the instructions to modify the first verification method are received based on the authorization.

11. The first device of claim 8 , wherein the modification of the first verification method to the second verification method is based on the first device being communicatively connected with the third device.

12. The first device of claim 8 , wherein the one or more processors are further configured to:
provide information that the modification of the first verification method to the second verification method was successful.

13. The first device of claim 8 , wherein the one or more processors are further configured to:
receive information to confirm that an account associated with the first device has been configured to support the second verification method.

14. The first device of claim 8 , wherein communication between the first device, the second device, and the third device is carried out via wireless communications.

15. A non-transitory computer-readable medium storing a set of instructions, the set of instructions comprising:
one or more instructions that, when executed by one or more processors of a first device, cause the first device to:
receive, from a second device and based on detecting that the first device and the second device are at a particular geographic location, instructions to modify a first verification method associated with the first device to a second verification method,
wherein the instructions enable the modification of the first verification method to the second verification method to be performed on the first device;

confirm, based on communicating with a third device, that the first device is at the particular geographic location;
verify, based on communicating with the third device, that the first device can be configured to use the second verification method;
modify, based on verifying that the first device can be configured to use the second verification method, the first verification method to the second verification method; and
provide information indicating the modification of the first verification method.

16. The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions further cause the first device to:
authenticate the instructions to modify the first verification method.

17. The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions further cause the first device to:
request, to the third device, authorization of a transaction,
wherein the instructions to modify the first verification method are received based on the authorization.

18. The non-transitory computer-readable medium of claim 15 , wherein the modification of the first verification method to the second verification method is based on the first device being communicatively connected with the third device.

19. The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions further cause the first device to:
provide information that the modification of the first verification method to the second verification method was successful.

20. The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions further cause the first device to:
receive information to confirm that an account associated with the first device has been configured to support the second verification method.

Assignees

• Capital One Services Llc

Inventors

• Koeppel Adam
• Perry Robert

Classifications

• G06Q20/405 Primary

  Establishing or using transaction specific rules · CPC title

• G06Q20/3224

  Transactions dependent on location of M-devices · CPC title

• G06Q20/325

  using wireless networks · CPC title

• G06Q20/3278

  RFID or NFC payments by means of M-devices · CPC title

• G06Q20/34

  using cards, e.g. integrated circuit [IC] cards or magnetic cards · CPC title