Devices and methods for providing emergency information using a payment card

Patent metadata

Field	Value
Publication number	US-12462121-B2
Application number	US-202318511041-A
Country	US
Kind code	B2
Filing date	Nov 16, 2023
Priority date	Mar 23, 2020
Publication date	Nov 4, 2025
Grant date	Nov 4, 2025

Abstract

A card for storing both emergency information and payment information is disclosed. The card can be used by an emergency responder to retrieve emergency information for the user. The emergency information can enable the emergency responder to better render aid to the user. The card can have one or more processors, a sensor, and a memory in communication with the one or more processors and storing an application thereon. The application can cause the card to receive a request from a user device (e.g., from an emergency medical technician, or EMT) to access emergency information stored in the memory, transmit a security challenge to the user device, authenticate a received response to the security challenge from the user device, and transmit the emergency information to the user device.

First claim

What is claimed is:

1 . A smart card comprising:
a processor; and a memory in communication with the processor and storing instructions that, when executed by the processor, cause the smart card to:
receive a request from a user device to access information from the smart card;
receive an access code from the user device, the access code comprising a cardholder's access code retrieved by the user device from a remote server; and
in response to determining that the access code matches a stored access code stored in the memory, transmit the information to the user device.

2 . The smart card of claim 1 , wherein the information comprises private information corresponding to a cardholder.

3 . The smart card of claim 2 , wherein the memory is a first memory and the instructions are first instructions, the smart card further comprising a second memory in communication with the processor and storing second instructions that, when executed by the processor, further cause the smart card to facilitate financial transactions.

4 . The smart card of claim 3 , further comprising a radio frequency identification (RFID) chip,
wherein the smart card communicates with the user device via the RFID chip using near field communication (NFC).

5 . The smart card of claim 3 , wherein the user device comprises a biometric scanner configured to
scan at least a portion of a user's body with the biometric scanner; and in response to determining that a user's biometric data matches stored biometric data, transmit the request from the user device to access information from the smart card.

6 . The smart card of claim 2 , wherein the instructions, when executed by the processor, further cause the smart card to:
receive information uploaded to the smart card by a manufacturer of the smart card at a time of manufacturing the smart card; and store the information in the memory.

7 . The smart card of claim 6 , wherein the information is stored in the memory and cannot be changed after the information is stored in the memory.

8 . A method of authenticating with a contactless card, the method comprising:
receiving, at a user device, an authorization code; establishing, by the user device, a wireless connection with the contactless card; transmitting, by the user device via the wireless connection, the authorization code to the contactless card; receiving, by the user device via the wireless connection, an authentication response from the contactless card; and transmitting, by the user device, the authentication response to a remote server.

9 . The method of claim 8 , wherein the user device wirelessly connects to the contactless card via near field communication (NFC).

10 . The method of claim 9 , wherein the contactless card comprises a first memory configured to store information corresponding to the user and the contactless card further comprises a second memory in communication with a processor and storing instructions that, when executed by the processor, further cause the contactless card to facilitate financial transactions.

11 . The method of claim 10 , further comprising receiving biometric data by the user device; and
transmitting the authorization code to the contactless card in response to verifying the biometric data matches stored biometric data corresponding to an authorized user of the user device.

12 . The method of claim 8 , wherein the authorization code comprises a pass code received by the user device.

13 . The method of claim 8 further comprising, in response to receiving the authentication response from the contactless card, transmitting a request for corresponding information to a server.

14 . The method of claim 13 , wherein the corresponding information comprises emergency information.

15 . The method of claim 8 further comprising:
uploading, to the contactless card and by a manufacturer of the contactless card, information corresponding to a cardholder of the contactless card; and
storing the information in a memory of the contactless card, the information being used as part of the method of authenticating.

16 . A method, comprising:
receiving, at a contactless card via a near field communication (NFC) connection with a user device, an access code corresponding to a request for one or more authentication codes from the contactless card; and responsive to determining that the access code corresponds to a stored access code on the contactless card, transmitting, by the contactless card via the NFC connection, the one or more authentication codes to the user device.

17 . The method of claim 16 , further comprising:
identifying, by the contactless card, a format associated with the access code; and routing the access code to a corresponding application of the card based on the format, wherein the contactless card determines whether the access code corresponds to the stored access code via the corresponding application.

18 . The method of claim 17 , further comprising transmitting, by the contactless card via the NFC connection, information corresponding to a cardholder stored on the contactless card.

19 . The method of claim 17 , further comprising transmitting, by the user device, the one or more authentication codes received from the contactless card to a remote server.

20 . The method of claim 19 , further comprising receiving biometric data by the user device; and
transmitting the access code to the contactless card in response to verifying the biometric data matches stored biometric data corresponding to an authorized user of the user device.

Assignees

• Capital One Services Llc

Inventors

• Edwards Joshua
• Benkreira Abdelkader
• Mossoba Michael

Classifications

• H04W12/63

  Location-dependent; Proximity-dependent · CPC title

• G06Q20/352

  Contactless payments by cards · CPC title

• G06Q20/341

  Active cards, i.e. cards including their own processing means, e.g. including an IC or chip · CPC title

• 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

• G16H40/67

  for remote operation · CPC title