Programmable card for token payment and systems and methods for using programmable card

Patent metadata

Field	Value
Publication number	US-12367476-B2
Application number	US-202217649376-A
Country	US
Kind code	B2
Filing date	Jan 31, 2022
Priority date	Nov 25, 2019
Publication date	Jul 22, 2025
Grant date	Jul 22, 2025

Abstract

Programmable cards, computer-readable media, and systems are disclosed for token payment. For example, a programmable card for token payment, according to some embodiments, may include an antenna and a contact interface. The card may be configured to store, in the rewritable memory, a token transmitted from a user device via a first near field communication (NFC) signal received by the antenna, and provide the stored token to a point of sales terminal via a second NFC signal transmitted by the antenna or via the contact interface.

First claim

What is claimed is:

1. A programmable card for token payment, comprising:
a rewritable memory; and
a processor configured to:
store, in the rewritable memory, a first token transmitted from a user device via a first signal, the first token representing a primary account number of a user of the user device and defining a first usage restriction;
when the programmable card is connected to a point of sales terminal and the first token is stored in the rewritable memory, provide the stored first token to the point of sales terminal via a second signal; and
overwrite the stored first token in the rewritable memory with a second token transmitted from the user device via a third signal, the second token representing the primary account number of the user of the user device and defining a second usage restriction such that the second token is different than the first token.

2. The programmable card of claim 1 , wherein the first usage restriction includes at least one of:
an identity of a merchant at which the first token is usable;
a time frame during which the first token is usable;
a geographical area in which the first token is usable; or
a spending amount limitation.

3. The programmable card of claim 1 , wherein the second usage restriction includes at least one of:
an identity of a merchant at which the second token is usable;
a time frame during which the second token is usable;
a geographical area in which the second token is usable; or
a spending amount limitation.

4. The programmable card of claim 1 , wherein the stored first token is encrypted.

5. The programmable card of claim 4 , wherein the processor is further configured to encrypt the first token prior to storing the first token in the rewritable memory.

6. The programmable card of claim 1 , wherein the stored first token is a one-time-use token.

7. The programmable card of claim 1 , wherein the processor is further configured to authenticate the user device prior to storing the first token in the rewritable memory.

8. The programmable card of claim 1 , wherein the processor is further configured to authenticate the point of sales terminal prior to providing the stored first token to the point of sales terminal.

9. The programmable card of claim 1 , wherein the processor is further configured to:
delete the stored first token from the rewritable memory.

10. The programmable card of claim 1 , further comprising a chip that includes the rewritable memory and the processor.

11. The programmable card of claim 1 , further comprising one or more communication interfaces communicatively connected to the processor, wherein the processor is further configured to operate at least one of the one or more communication interfaces to receive the first signal and the third signal transmitted by the user device and transmit the second signal to the point of sales terminal, and wherein the one or more communication interfaces include at least one of an antenna or a contact interface.

12. The programmable card of claim 1 , wherein the programmable card does not include a magnetic stripe.

13. A method for token payment, comprising:
receiving, by a programmable card, a first token transmitted from a user device via a first signal, the first token representing a primary account number of a user of the user device and defining a first usage restriction;
storing the first token in a rewritable memory of the programmable card;
when the programmable card is connected to a point of sales terminal and the first token is stored in the rewritable memory, providing the stored first token from the programmable card to the point of sales terminal via a second signal;
receiving, by the programmable card, a second token transmitted from the user device via a third signal, the second token representing the primary account number of the user of the user device and defining a second usage restriction such that the second token is different than the first token; and
overwriting the stored first token in the rewritable memory of the programmable card with the second token.

14. The method of claim 13 , wherein each of the first usage restriction defined by the first token and the second usage restriction defined by the second token include at least one of:
an identity of a merchant at which the respective token is usable;
a time frame during which the respective token is usable;
a geographical area in which the respective token is usable; or
a spending amount limitation.

15. The method of claim 13 , further comprising one of:
receiving and storing the first token in an encrypted format in the rewritable memory; or
encrypting the first token prior to storing the first token in the rewritable memory.

16. The method of claim 13 , further comprising:
establishing the connection of the programmable card to the point of sales terminal via at least one of an antenna of the programmable card or a contact interface of the programmable card.

17. The method of claim 13 , further comprising:
receiving one or more of the first signal or the third signal by at least one of an antenna of the programmable card or a contact interface of the programmable card.

18. The method of claim 13 , further comprising:
authenticating the user device prior to storing the first token in the rewritable memory.

19. The method of claim 13 , further comprising:
authenticating the point of sales terminal prior to providing the stored first token to the point of sales terminal.

20. A programmable card for token payment, comprising:
a communication interface;
a rewritable memory; and
a processor configured to:
operate the communication interface to receive a first token transmitted from a user device via a first signal, the first token representing a primary account number of a user of the user device and defining a first usage restriction;
store the first token in the rewritable memory;
when the programmable card is connected to a point of sales terminal and the first token is stored in the rewritable memory, operate the communication interface to provide the stored first token to the point of sales terminal via a second signal;
operate the communication interface to receive a second token transmitted from the user device via a third signal, the second token representing the primary account number of the user of the user device and defining a second usage restriction such that the second token is different than the first token; and
overwrite the stored first token in the rewritable memory with the second token.

Assignees

• Capital One Services Llc

Inventors

• Tesser Daniel
• De La Rosa Luis
• Wieker Jeffrey
• Johnson Clayton

Classifications

• G06Q20/385

  using an alias or single-use codes · CPC title

• G06Q20/3825

  Use of electronic signatures · CPC title

• G06Q20/322

  Aspects of commerce using mobile devices [M-devices] · CPC title

• G06Q20/3674

  involving authentication · CPC title

• G06Q20/204

  comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit · CPC title