Systems and methods for sharing a virtual card

Patent metadata

Field	Value
Publication number	US-12469022-B2
Application number	US-202318506178-A
Country	US
Kind code	B2
Filing date	Nov 10, 2023
Priority date	Nov 10, 2023
Publication date	Nov 11, 2025
Grant date	Nov 11, 2025

Abstract

Disclosed embodiments may include systems and methods for utilizing gesture-based transaction cards. Examples include: first, using a mobile device to preauthorize transaction cards to enter an unlocked state before making a purchase by making a gesture with the transaction card toward the mobile device. Second, using a first transaction card to change an authorization condition of a second transaction card associated with the same account by making a gesture from the first transaction card to the second transaction card. Third, using a first transaction card to distribute a predebited virtual card to the user device of a second user by making a gesture from the first transaction card to the user device of the second user. Additionally, the primary user may be able to upload new authorization conditions to the transaction card and control the system through a related mobile application on a connected mobile device.

First claim

What is claimed is:

1 . A financial transaction card comprising:
one or more antennas; one or more processors; memory in communication with the one or more processors and storing instructions that are configured to cause the card to:
receive, via the one or more antennas from a first user device associated with a same account as the card, first gesture data associated with physically moving the card to within a first proximity distance of the first user device;
determine whether the first gesture data matches stored gesture data associated with a first stored gesture of one or more stored gestures, the stored gesture data stored in the memory of the card;
subsequent to determining that the first gesture data matches the first stored gesture:
receive, via the one or more antennas from the first user device, configuration information relating to predebited virtual card information associated with the same account as the card and a second stored gesture;
store the predebited virtual card information and the second stored gesture in the memory of the card;
receive, via the one or more antennas, second gesture data from a second user device, the second gesture data associated with physically moving the card to within a second proximity distance of the second user device;
determine whether the second gesture data matches the stored gesture data associated with the second stored gesture of the one or more stored gestures; and
responsive to determining that the second gesture data matches the second stored gesture:
transmit, to the second user device via the one or more antennas, the predebited virtual card information based on the received configuration information.

2 . The card of claim 1 , wherein when the predebited virtual card information is transmitted to the second user device, an amount is debited from the account associated with the card.

3 . The card of claim 1 , wherein the predebited virtual card information comprises a virtual card number.

4 . The card of claim 1 , wherein the predebited virtual card information comprises an amount limit, a time limit, a transaction number limit, or combinations thereof.

5 . A method comprising:
receiving, via one or more antennas of a financial transaction card and from a first user device associated with a same account as the card, first gesture data associated with physically moving the card to within a first proximity distance of the first user device; determining that the first gesture data matches stored gesture data associated with a first stored gesture of one or more stored gestures, the stored gesture data stored in a memory of the card; receiving, via the one or more antennas from the first user device, configuration information relating to predebited virtual card information associated with the same account as the card and a second stored gesture; storing the predebited virtual card information and the second stored gesture in the memory of the card; receiving, via the one or more antennas, second gesture data from a second user device, the second gesture data associated with physically moving the card to within a second proximity distance of the second user device; determining that the second gesture data matches the stored gesture data associated with the second stored gesture of the one or more stored gestures; and transmitting, to the second user device via the one or more antennas, the predebited virtual card information based on the received configuration information.

6 . The method of claim 5 , wherein when the predebited virtual card information is transmitted to the second user device, an amount is debited from the account associated with the card.

7 . The method of claim 5 , wherein the predebited virtual card information comprises a virtual card number.

8 . The method of claim 5 , wherein the predebited virtual card information comprises an amount limit, a time limit, a transaction number limit, or combinations thereof.

9 . A non-transitory computer readable medium storing program instructions, that when executed by one or more processors of a financial transaction card, cause the card to perform the steps of:
receiving, via one or more antennas of the card and from a first user device associated with a same account as the card, first gesture data associated with physically moving the card to within a first proximity distance of the first user device; determining that the first gesture data matches stored gesture data associated with a first stored gesture of one or more stored gestures, the stored gesture data stored in a memory of the card; receiving, via the one or more antennas from the first user device, configuration information relating to predebited virtual card information associated with the same account as the card and a second stored gesture; storing the predebited virtual card information and the second stored gesture in the memory of the card; receiving, via the one or more antennas, second gesture data from a second user device, the second gesture data associated with physically moving the card to within a second proximity distance of the second user device; determining that the second gesture data matches the stored gesture data associated with the second stored gesture of the one or more stored gestures; and transmitting, to the second user device via the one or more antennas, the predebited virtual card information based on the received configuration information.

10 . The non-transitory computer readable medium of claim 9 , wherein when the predebited virtual card information is transmitted to the second user device, an amount is debited from the account associated with the card.

11 . The non-transitory computer readable medium of claim 9 , wherein the predebited virtual card information comprises a virtual card number.

12 . The non-transitory computer readable medium of claim 9 , wherein the predebited virtual card information comprises an amount limit, a time limit, a transaction number limit, or combinations thereof.

Assignees

• Capital One Services Llc

Inventors

• Goodsitt Jeremy
• Rafferty Galen
• Truong Anh
• Barr Brian
• Eden Grant
• Sharpe Samuel
• Walters Austin

Classifications

• G06Q20/405

  Establishing or using transaction specific rules · CPC title

• G06Q20/227

  characterised in that multiple accounts are available, e.g. to the payer · CPC title

• G06F3/017

  Gesture based interaction, e.g. based on a set of recognized hand gestures (interaction based on gestures traced on a digitiser G06F3/04883) · CPC title

• G06Q20/342

  Cards defining paid or billed services or quantities · CPC title

• G06Q20/355

  Personalisation of cards for use · CPC title