Techniques to perform operations with a contactless card when in the presence of a trusted device

Patent metadata

Field	Value
Publication number	US-12499432-B2
Application number	US-202318131489-A
Country	US
Kind code	B2
Filing date	Apr 6, 2023
Priority date	Apr 6, 2023
Publication date	Dec 16, 2025
Grant date	Dec 16, 2025

Abstract

Embodiments are directed to techniques and systems to perform operations with contactless cards and trusted devices.

First claim

What is claimed is:

1 . A contactless card, comprising:
a first hardware interface; a second hardware interface; a memory configured to store instructions; processing circuitry coupled with the first hardware interface, the second hardware interface, and the memory, the processing circuitry configured to execute the instructions, that when executed, cause the processing circuitry to:
communicate, via the first hardware interface, with a first device to perform an operation;
receive, via the first hardware interface, an indication from the first device to initiate the second hardware interface in a discovery mode;
initiate the second hardware interface in the discovery mode;
send, via the second hardware interface, a discovery message in an attempt to detect nearby devices; receive, via the second hardware interface, an interface identifier for an interface of a second device, the interface identifier communicated in a response to the discovery message; and send, via the first hardware interface, the interface identifier for the interface to the first device, the first device configured to verify that the interface identifier for the interface is associated with the contactless card to perform the operation.

2 . The contactless card of claim 1 , wherein the first hardware interface comprises an EMV interface or a near-field communication (NFC) interface.

3 . The contactless card of claim 1 , wherein the second hardware interface comprises a Bluetooth Low Energy interface.

4 . The contactless card of claim 1 , wherein the interface identifier comprises a Bluetooth address and the second hardware interface is a Bluetooth interface.

5 . The contactless card of claim 1 , wherein the first device comprises a point-of-sale terminal, and the operation comprises a transaction.

6 . The contactless card of claim 1 , wherein the second device comprises a mobile phone device or a wearable device.

7 . The contactless card of claim 1 , wherein the operation comprises a transaction, an access attempt to access a door, an authentication operation, or an autofill operation on mobile phone.

8 . A method comprising:
communicating, via a first hardware interface of a contactless card, with a first device to perform an operation; receiving, at the first hardware interface, an indication from the first device to initiate a second hardware interface of the contactless card in a discovery mode; initiating the second hardware interface in the discovery mode; sending, via the second hardware interface, a discovery message in an attempt to detect nearby devices; receiving, via the second hardware interface, an interface identifier for an interface of a second device, the interface identifier communicated in a response to the discovery message; sending, via the first hardware interface, the interface identifier for the interface to the first device, the first device configured to verify that the interface identifier for the interface is associated with the contactless card to perform the operation.

9 . The method of claim 8 , wherein the first hardware interface comprises an EMV interface or a near-field communication (NFC) interface.

10 . The method of claim 8 , wherein the second hardware interface comprises a Bluetooth Low Energy interface.

11 . The method of claim 8 , wherein the interface identifier comprises a Bluetooth address and the second hardware interface is a Bluetooth interface.

12 . The method of claim 8 , wherein the first device comprises a point-of-sale terminal, and the operation comprises a transaction.

13 . The method of claim 8 , wherein the second device comprises a mobile phone device or a wearable device.

14 . The method of claim 8 , wherein the operation comprises a transaction, an access attempt to access a door, an authentication operation, or an autofill operation on mobile phone.

15 . A non-transitory computer-readable storage medium comprising instructions, which when executed by a processing circuit of a contactless card, causes the processing circuit to:
communicate, via a first hardware interface, with a first device to perform an operation; receive, via the first hardware interface, an indication from the first device to initiate a second hardware interface in a discovery mode; initiate the second hardware interface in the discovery mode; send, via the second hardware interface, a discovery message in an attempt to detect nearby devices; receive, via the second hardware interface, an interface identifier for an interface of a second device, the interface identifier communicated in a response to the discovery message; and send, via the first hardware interface, the interface identifier for the interface to the first device, the first device configured to verify that the interface identifier for the interface is associated with the contactless card to perform the operation.

16 . The non-transitory computer-readable storage medium of claim 15 , wherein the first hardware interface comprises an EMV interface or a near-field communication (NFC) interface.

17 . The non-transitory computer-readable storage medium of claim 15 , wherein the second hardware interface comprises a Bluetooth Low Energy interface.

18 . The non-transitory computer-readable storage medium of claim 15 , wherein the interface identifier comprises a Bluetooth address and the second hardware interface is a Bluetooth interface.

19 . The non-transitory computer-readable storage medium of claim 15 , wherein the first device comprises a point-of-sale terminal, and the operation comprises a transaction.

20 . The non-transitory computer-readable storage medium of claim 15 , wherein the second device comprises a mobile phone device or a wearable device; and
wherein the operation comprises a transaction, an access attempt to access a door, an authentication operation, or an autofill operation on mobile phone.

Assignees

• Capital One Services Llc

Inventors

• Broome William
• Mcgarity Joshua
• Tran Timothy

Classifications

• G06Q20/3278

  RFID or NFC payments by means of M-devices · CPC title

• G06F21/35

  communicating wirelessly · CPC title

• H04W12/47

  using near field communication [NFC] or radio frequency identification [RFID] modules · CPC title

• H04W4/80

  Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication · CPC title

• G06Q20/401

  Transaction verification · CPC title