Dynamically displaying contextual information on a smart card

Patent metadata

Field	Value
Publication number	US-12380427-B2
Application number	US-202318331728-A
Country	US
Kind code	B2
Filing date	Jun 8, 2023
Priority date	Feb 22, 2021
Publication date	Aug 5, 2025
Grant date	Aug 5, 2025

Abstract

The present disclosure describes a smart card that determines a context associated with the smart card and displays information based on the determined context. The smart card may determine a location of the smart card. Based on the determined location, the smart card may retrieve a list of establishments. The list of establishments may be used to determine a context, for example, based on information related to the establishments, historical information, user information, etc. Once the context is determined, the smart card may select information to display on the smart card. By limiting the information displayed on the smart card, the smart card may limit what can be captured by bad actors, thereby improving the security of the smart cards.

First claim

What is claimed is:

1. A method for dynamically limiting and changing user information displayed on a smart card of a user based on location of the user, wherein the smart card comprises a display, a microcontroller, a memory, one or more antennas, and a sensor, wherein the display is configured to display user information stored in the memory, the method comprising:
determining, using the one or more antennas without communicating with a mobile device or other computing device of the user, a first geographic location of the smart card,
receiving, by the microcontroller from one of the memory on the smart card or a database in electronic communication with the smart card, user information comprising at least historical transactions of the user;
based on the first geographic location of the smart card, receiving, by the microcontroller, a first list of commercial establishments associated with the first geographic location;
determining, by the microcontroller and not the user, a first context by comparing the user information, which is stored in the memory of the smart card, to the first list of commercial establishments, wherein the first context comprises a type of establishment of a merchant or goods and services provided by the merchant;
selecting, by the microcontroller and not the user and based on the comparing the user information to the first list, a first subset of the user information stored in the memory, wherein the first subset of the user information is associated with the first context and is to be presented by the display on the smart card while the user information other than the first subset of the user information remains hidden and is not to be presented by the display, wherein the first subset of the user information represents a minimum amount of information necessary to complete a first transaction within the first context;
based on the sensor receiving an input and communicating with the microcontroller, displaying, by the microcontroller and on the display, for a limited time when the user is attempting to complete the first transaction at a transaction terminal, the selected first subset of the user information while the user information other than the first subset of the user information remains hidden, thereby improving the security of the smart card;
generating a prediction, by the microcontroller and based on the first geographic location and a predictive model generated by machine learning, of a second geographic location of the smart card;
based on the prediction of the second geographic location, receiving, by the microcontroller, a second list of commercial establishments associated with the second geographic location;
determining, by the microcontroller, a second context by comparing the user information, stored in the memory, to the second list of commercial establishments associated with the second geographic location, wherein the second context is different from the first context and the second context comprises the type of establishment of the merchant or goods and services provided by the merchant within the second context; and
selecting, by the microcontroller and based on the comparing the user information to the second list, a second subset of the user information stored in the memory, wherein the second subset of the user information is associated with the second context and is to be presented by the display on the smart card, wherein the second subset of the user information comprises information associated with performing a second transaction associated with the second context, wherein the selected second subset of the user information is dynamically updated relative to the first subset of the user information and is limited to a minimum amount of information necessary to complete the second transaction thereby improving the security of the smart card, the second subset of the user information comprising at least one of:
a first indication that the smart card is permitted to be used to purchase a first product type and a second product type within the second context;
a second indication that the smart card is permitted to be used to purchase the first product type and prohibited from being used to purchase the second product type within the second context; or
a third indication that the smart card is prohibited from being used to purchase the first product type and the second product type within the second context.

2. The method of claim 1 , wherein the second subset of the user information comprises personal identifiable information of the user of the smart card.

3. The method of claim 1 , wherein the smart card comprises at least one of:
an identification card; or
a bank card.

4. The method of claim 1 , wherein the determining the first geographic location of the smart card comprises:
receiving a plurality of signals from a plurality of global positioning satellites; and
calculating the first geographic location of the smart card based on the plurality of signals received from the plurality of global positioning satellites.

5. The method of claim 1 , wherein the determining the first geographic location of the smart card comprises:
receiving a signal from a beacon, wherein the signal comprises location information associated with the beacon;
calculating a distance between the smart card and the beacon based on the signal; and
determining, based on the distance between the smart card and the beacon and based on the location information associated with the beacon, the first geographic location of the smart card.

6. The method of claim 1 , wherein the determining the first geographic location of the smart card comprises:
receiving location information from the transaction terminal in response to the smart card being presented for a transaction.

7. The method of claim 1 , wherein the determining the second context further comprises:
determining that the second geographic location correlates with a previous transaction of the user.

8. The method of claim 1 , wherein the determining the second context associated with the second geographic location of the smart card further comprises:
determining that the smart card is being presented at one or more of: a store, a restaurant, or a bar.

9. The method of claim 1 , further comprising:
changing, by the microcontroller and based on a certain amount of power having been expended over a predetermined period of time, a frequency with which the smart card determines location.

10. The method of claim 1 , wherein the first product type is tobacco products and the second product type is alcoholic beverages.

11. A smart card configured to dynamically limit and change user information displayed on the smart card of a user based on location of the user, the smart card comprising:
a memory configured to store user information comprising at least historical transactions of the user;
a microcontroller configured to receive one or more signals that allow the smart card to determine a geographic location using one or more antennas without communicating with a mobile device or other computing device of the user, and receive from the memory the user information;
a sensor;
a display; and
a processor configured to
determine, without user input and based on the geographic location of the smart card, a context associated with the smart card by comparing the user information, stored in the memory, to a list of places associated with the geographic location, wherein the context comprises a type of place,
select, without user input and based on the comparing, a subset of the user information stored in the memory of the smart card, wherein the subset of the user information is associated with the cont

Assignees

• Capital One Services Llc

Inventors

• ZARAKAS James
• Johnson Molly
• Vukich Adam

Classifications

• G06K19/0723

  the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs · CPC title

• G06N5/02

  Knowledge representation; Symbolic representation · CPC title

• G06Q20/3224

  Transactions dependent on location of M-devices · CPC title

• G06K19/0716

  at least one of the integrated circuit chips comprising a sensor or an interface to a sensor · CPC title

• G06K19/0702

  the arrangement including a battery · CPC title