Configuring a set of applets on a battery-less transaction card

Patent metadata

Field	Value
Publication number	US-12197982-B2
Application number	US-202318498330-A
Country	US
Kind code	B2
Filing date	Oct 31, 2023
Priority date	Jan 19, 2018
Publication date	Jan 14, 2025
Grant date	Jan 14, 2025

Abstract

A transaction card may power on the transaction card using electric current induced from an interaction of the transaction card with an electromagnetic field. The transaction card may establish a communication with a device. The communication may indicate that the transaction card has powered. The transaction card may receive, from the device, a set of instructions to configure a set of applets on the transaction card after notifying the device that the transaction card has powered on. The set of applets to be configured may be related to completing one or more different transactions. The set of applets to be configured may be different than another set of applets already configured on the transaction card. The transaction card may configure the set of applets on the transaction card according to the set of instructions after receiving the set of instructions.

First claim

What is claimed is:

1. A method, comprising:
communicatively coupling, by a transaction card, with a device;
receiving, by the transaction card and based on communicatively coupling with the device, one or more instructions associated with configuring one or more applets;
configuring, by the transaction card and based on the one or more instructions, an applet associated with a particular type of transaction; and
communicating, by the transaction card and based on configuring the applet, with the device to perform the particular type of transaction.

2. The method of claim 1 , wherein the one or more instructions are received from a user device.

3. The method of claim 1 , wherein the one or more instructions are received from a user device based on a user selection of the applet.

4. The method of claim 1 , further comprising:
receiving location information; and
wherein configuring the applet comprises:
configuring the applet based on the location information.

5. The method of claim 1 , further comprising:
configuring a display to display information identifying the applet.

6. The method of claim 1 , further comprising:
disabling another applet based on the one or more instructions.

7. The method of claim 1 , further comprising:
detecting a user associated with the transaction card; and
wherein configuring the applet comprises:
configuring the applet based on the user.

8. A transaction card, comprising:
one or more memories; and
one or more processors, coupled to the one or more memories, configured to cause the transaction card to:
communicatively couple with a device;
receive one or more instructions associated with configuring one or more applets;
configure an applet associated with a particular type of transaction; and
communicate, based on the applet being configured, with the device to perform the particular type of transaction.

9. The transaction card of claim 8 , wherein the one or more processors, to receive the one or more instructions, are configured to cause the transaction card to:
receive the one or more instructions from a user device.

10. The transaction card of claim 8 , wherein the one or more processors are further configured to cause the transaction card to:
receive location information; and
wherein the one or more processors, to configure the applet, are configured to cause the transaction card to:
configure the applet based on the location information.

11. The transaction card of claim 8 , wherein the one or more processors, to configure the applet, are configured to cause the transaction card to:
receive location information; and
configure the applet based on the location information.

12. The transaction card of claim 8 , wherein the one or more processors are further configured to cause the transaction card to:
configure a display to display information that identifies the applet.

13. The transaction card of claim 8 , wherein the one or more processors are further configured to cause the transaction card to:
selectively uninstall another applet.

14. The transaction card of claim 8 , wherein the one or more processors are further configured to cause the transaction card to:
disable another applet based on the one or more instructions.

15. The transaction card of claim 8 , wherein the one or more processors are further configured to cause the transaction card to:
detect a user associated with the transaction card; and
wherein the one or more processors, to configure the applet, are configured to cause the transaction card to:
configure the applet based on the user.

16. 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 transaction card, cause the transaction card to:
communicatively couple with a device;
receive an instruction associated with configuring an applet associated with a particular type of transaction;
configure the applet; and
communicate, based on the applet being configured, with the device to perform the particular type of transaction.

17. The non-transitory computer-readable medium of claim 16 , wherein the one or more instructions, that cause the transaction card to receive the instruction, cause the transaction card to:
receive the instruction from a user device.

18. The non-transitory computer-readable medium of claim 16 , wherein the one or more instructions further cause the transaction card to:
receive location information; and
wherein the one or more instructions, that cause the transaction card to configure the applet, cause the transaction card to:
configure the applet based on the location information.

19. The non-transitory computer-readable medium of claim 16 , wherein the one or more instructions further cause the transaction card to:
configure a display to display information that identifies the applet.

20. The non-transitory computer-readable medium of claim 16 , wherein the one or more instructions further cause the transaction card to:
disable another applet based on the one or more instructions.

Assignees

• Capital One Services Llc

Inventors

• Koeppel Adam
• ZARAKAS James
• Johnson Molly
• LOCKE Tyler

Classifications

• G06Q20/3552

  Downloading or loading of personalisation data · CPC title

• G06Q20/3672

  initialising or reloading thereof · CPC title

• G06K19/045

  the record carrier being of the non-contact type, e.g. RFID, and being specially adapted for attachment to a disc, e.g. a CD or DVD · CPC title

• G06Q20/3278 Primary

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

• G06Q40/02

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