System and method enabling mobile near-field communication to update display on a payment card

Patent metadata

Field	Value
Publication number	US-12530674-B2
Application number	US-202318481439-A
Country	US
Kind code	B2
Filing date	Oct 5, 2023
Priority date	Jul 9, 2019
Publication date	Jan 20, 2026
Grant date	Jan 20, 2026

Abstract

Disclosed are a system and methods enabling updating of a card number of a payment card and thereby reissuing the payment card utilizing a reissue application associated with the payment card. The reissue application, when executed communicates with a service provider that manages the payment card. The payment card includes processing circuitry and a rewriteable visual display. Using cryptographic techniques, the reissue application and payment card are authenticated to the service provider. Upon verification, an updated card number is obtained and provided via near-field communication to the payment card. In response to the update payment card number received from the reissue application, the rewriteable visual display on the payment card is updated with the updated card number. Other information may also be presented on the rewriteable visual display of the payment card based on user preferences.

First claim

What is claimed is:

1 . A computer-implemented method, comprising:
sending, by an application executing on a processor of a mobile device to a server, a request to reissue a card number of a contactless card, the card number displayed on a display of the contactless card; receiving, by the application from the server, authorization of the request; receiving, by the application and from the server, verification that the contactless card is a valid card associated with the application; receiving, by the application based on the authorization, an updated card number; providing, by the application, the updated card number to the contactless card; and providing, by the application, an updated encryption key to the contactless card based on the authorization.

2 . The computer-implemented method of claim 1 , further comprising:
receiving, by the application, an indication that the contactless card updated the card number with the updated card number.

3 . The computer-implemented method of claim 1 , wherein the request comprises information associated with the mobile device, wherein the server authorizes the request based at least in part on the information associated with the mobile device.

4 . The computer-implemented method of claim 3 , wherein the server authorizes the request based on a determination that the contactless card is associated with the information associated with the mobile device.

5 . The computer-implemented method of claim 1 , wherein the request comprises encrypted data received by the mobile device from the contactless card, wherein the server authorizes the request based at least in part on the encrypted data.

6 . The computer-implemented method of claim 1 ,
wherein the application is further operable to generate an updated card number signal to provide to the contactless card, the updated card number signal including the updated card number and information related to at least one of: a card verification value, an expiration date, or an issuer.

7 . The computer-implemented method of claim 1 , wherein the updated card number is provided to the contactless card via near-field communication (NFC).

8 . The computer-implemented method of claim 1 , wherein the application receives the updated card number from one of the server or a secure element of the mobile device.

9 . The computer-implemented method of claim 1 , wherein the request further comprises an indication that the contactless card is not usable.

10 . A non-transitory computer-readable storage medium, the computer-readable storage medium including instructions that when executed by a processor of a mobile device, cause the processor to:
send, by an application executing on the processor to a server, a request to reissue a card number of a contactless card, the card number displayed on a display of the contactless card, wherein the request comprises encrypted data received by the mobile device from the contactless card, wherein the server authorizes the request based at least in part on the encrypted data; receive, by the application from the server, authorization of the request; receive, by the application based on the authorization, an updated card number; and provide, by the application, the updated card number to the contactless card.

11 . The computer-readable storage medium of claim 10 , wherein the instructions further cause the processor to:
receive, by the application, an indication that the contactless card updated the card number with the updated card number.

12 . The computer-readable storage medium of claim 10 , wherein the request comprises information associated with the mobile device, wherein the server authorizes the request based at least in part on the information associated with the mobile device.

13 . The computer-readable storage medium of claim 10 further comprising, prior to providing the updated card number, receiving, by the application and from the server, verification that the contactless card is a valid card associated with the application.

14 . The computer-readable storage medium of claim 10 , wherein the updated card number is provided to the contactless card via near-field communication (NFC).

15 . A computer-implemented method, comprising:
transmitting, by an application executing on a processor of a device to a server, a request to update a card number of a contactless card, the card number displayed on a display of the contactless card, the contactless card to be reissued, wherein the request comprises encrypted data received by the device from the contactless card, wherein the server authorizes the request based at least in part on the encrypted data; receiving, by the application from the server, authorization of the request; receiving, by the application based on the authorization, an updated card number; and providing, by the application, the updated card number to the contactless card.

16 . The computer-implemented method of claim 15 , further comprising:
receiving, by the application, an indication that the contactless card updated the card number with the updated card number.

17 . The computer-implemented method of claim 15 , wherein the request comprises information associated with the device, wherein the server authorizes the request based at least in part on the information associated with the device.

18 . The computer-implemented method of claim 17 , wherein the server authorizes the request based on a determination that the contactless card is associated with the information associated with the device.

19 . The computer-implemented method of claim 15 , further comprising, prior to providing the updated card number, receiving, by the application and from the server, verification that the contactless card is a valid card associated with the application.

20 . The computer-implemented method of claim 15 , wherein the updated card number is provided to the contactless card via near-field communication (NFC).

Assignees

• Capital One Services Llc

Inventors

• Rule Jeffrey
• Hart Colin
• Osborn Kevin
• Ilincic Rajko

Classifications

• G06Q20/3278

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

• G06Q20/341 Primary

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

• G07F7/122

  Online card verification · CPC title

• G07F7/1008

  Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system · CPC title

• G07F7/0846 Primary

  On-card display means · CPC title