Techniques to generate and store characteristics of a signature on a transaction card circuit

Patent metadata

Field	Value
Publication number	US-12277545-B2
Application number	US-202217718614-A
Country	US
Kind code	B2
Filing date	Apr 12, 2022
Priority date	Feb 11, 2020
Publication date	Apr 15, 2025
Grant date	Apr 15, 2025

Abstract

Various embodiments are generally directed to techniques to perform transaction with transaction cards utilizing characteristics of customer's signature. Techniques may further include determining characteristics of a signature including a reduced set of data points for the signature and storing the characteristics in secure memory of transaction card.

First claim

What is claimed is:

1. A computer-implemented method, comprising:
collecting, from one or more point-of-sale systems, a plurality of instances of a signature associated with a previous transaction card of a banking account during previous transactions performed at the one or more point-of-sale systems with the previous transaction card;
storing the plurality of instances of the signature in a data store, each of the plurality of instances of the signature stored over a period of time and the previous transaction card having characteristics stored thereon corresponding to the signature;
receiving a request for a replacement transaction card to replace the transaction card for the banking account;
applying a machine-learning algorithm to the plurality of instances of the signature in the data store to generate updated characteristics based on each instance of the signature, wherein the updated characteristics are updates for the characteristics on the previous transaction card associated with the banking account, wherein the signature is a handwritten signature and the updated characteristics include a reduced number of data points comprising locations of points of letters of the signature, spacing between the letters of the signature, spacing of the letters of the signature, a capture time of the signature, a pressure applied to capture of the signature, a degree of inclination of a writing instrument to capture the signature, or a combination thereof; and
causing the updated characteristics of the signature to be written to a secure portion of a memory of the replacement transaction card.

2. The computer-implemented method of claim 1 , comprising receiving the request for the replacement transaction card from a mobile application executing on a mobile device or from a point-of-sale device.

3. The computer-implemented method of claim 1 , wherein the signature is a fingerprint signature and the updated characteristics comprise patterns of the fingerprint signature, minutiae features of the fingerprint signature, moisture content of finger, pressure applied to capture fingerprint signature, or a combination thereof.

4. The computer-implemented method of claim 1 , comprising:
determining a personal identification number (PIN) associated with the banking account, an account number associated with the banking account, an expiration date, and a card verification value (CVV); and
cause, during the initiation routine of the replacement transaction card, the PIN, the account number, the expiration date, and the CVV to be written to a secure portion of the memory.

5. The computer-implemented method of claim 1 , comprising issuing the replacement transaction card with the updated characteristics to a user associated with the banking account.

6. A computing apparatus comprising:
a processor; and
a memory storing instructions that, when executed by the processor, cause the processor to:
collect, from one or more point-of-sale systems, a plurality of instances of a signature associated with a previous transaction card of a banking account during previous transactions performed at the one or more point-of-sale systems with the previous transaction card;
store the plurality of instances of the signature in a data store, each of the plurality of instances of the signature stored over a period of time and the previous transaction card having characteristics stored thereon corresponding to the signature;
receive a request for a replacement transaction card to replace the transaction card for the banking account;
apply a machine-learning algorithm to the plurality of instances of the signature in the data store to generate updated characteristics based on each instance of the signature, wherein the updated characteristics are updates for the characteristics on the previous transaction card associated with the banking account, wherein the signature is a handwritten signature and the updated characteristics include a reduced number of data points comprising locations of points of letters of the signature, space between the letters of the signature, spacing of the letters of the signature, a capture time of the signature, a pressure applied to capture of the signature, a degree of inclination of a writing instrument to capture the signature, or a combination thereof; and
cause the updated characteristics of the signature to be written to a secure portion of a memory of the replacement transaction card.

7. The computing apparatus of claim 6 , comprising the processor to receive the request for the replacement transaction card from a mobile application executing on a mobile device or from a point-of-sale device.

8. The computing apparatus of claim 6 , wherein the signature is a fingerprint signature and the updated characteristics comprise patterns of the fingerprint signature, minutiae features of the fingerprint signature, moisture content of finger, pressure applied to capture fingerprint signature, or a combination thereof.

9. The computing apparatus of claim 6 , wherein the processor to:
determine a personal identification number (PIN) associated with the banking account, an account number associated with the banking account, an expiration date, and a card verification value (CVV); and
cause, during the initiation routine of the replacement transaction card, the PIN, the account number, the expiration date, and the CVV to be written to a secure portion of the memory.

10. The computing apparatus of claim 6 , comprising the processor to issue the replacement transaction card with the updated characteristics to a user associated with the banking account.

11. A non-transitory computer-readable storage medium, the computer-readable storage medium including instructions that when executed by a processor, cause the processor to:
collect, from one or more point-of-sale systems, a plurality of instances of a signature associated with a previous transaction card of a banking account during previous transactions performed at the one or more point-of-sale systems with the previous transaction card;
store the plurality of instances of the signature in a data store, each of the plurality of instances of the signature stored over a period of time and the previous transaction card having characteristics stored thereon corresponding to the signature;
receive a request for a replacement transaction card to replace the transaction card for the banking account;
apply a machine-learning algorithm to the plurality of instances of the signature in the data store to generate updated characteristics based on each instance of the signature, wherein the updated characteristics are updates for the characteristics on the previous transaction card associated with the banking account; and
cause the updated characteristics of the signature to be written to a secure portion of a memory of the replacement transaction card, wherein the signature is a handwritten signature and the updated characteristics include a reduced number of data points comprising locations of points of letters of the signature, space between the letters of the signature, spacing of the letters of the signature, a capture time of the signature, a pressure applied to capture of the signature, a degree of inclination of a writing instrument to capture the signature, or a combination thereof.

12. The computer-readable storage medium of claim 11 , comprising the processor to receive the request for the replacement transaction card from a mobile application executing on a mobile device or from a point-of-sale device.

13. The computer-readable storage medium of claim 11 , comprising the processor to cause issuance the replacement t

Assignees

• Capital One Services Llc

Inventors

• Reynolds Anthony
• Barnum Eric K

Classifications

• G06Q20/4012

  Verifying personal identification numbers [PIN] · CPC title

• G06Q20/3263

  characterised by activation or deactivation of payment capabilities · CPC title

• G06Q20/3552

  Downloading or loading of personalisation data · CPC title

• G06Q20/3558

  Preliminary personalisation for transfer to user · CPC title

• G06Q20/3823

  combining multiple encryption tools for a transaction · CPC title