System, method, and apparatus for reprogramming a transaction card

Patent metadata

Field	Value
Publication number	US-2016180306-A1
Application number	US-201514977698-A
Country	US
Kind code	A1
Filing date	Dec 22, 2015
Priority date	Dec 22, 2014
Publication date	Jun 23, 2016
Grant date	—

Abstract

A system for reprogramming a transaction card may include a reprogrammable microchip transaction card, an account provider system, and a mobile device. A reprogrammable transaction card may include an embedded microprocessor chip, or integrated circuit (IC), housing various modules to provide card capabilities, such as transaction capabilities, security capabilities, and reprogramming capabilities. An account provider system may include a number of servers and computers, each equipped with storage and modules programmed with various capabilities, such as, storing cardholder data, transaction processing, and/or transaction card reprogramming. A user device may include various hardware and software components, such as a Near Field Communication (NFC) hardware and software components, one or more processors, various input/output interfaces, and/or modules, such as transaction processing modules and transaction card resetting modules. Each component of the system may communicate with each other in order to reprogram the transaction card.

First claim

1 . A user device comprising:
an input/output interface that receives a reprogramming notification; a processor that authenticates a user via at least one authentication factor, wherein following authentication, the input/output interface receives new transaction card data from an account provider system; and an antenna used to establish a contactless connection with a reprogrammable transaction card having an embedded microchip, wherein upon connection, the antenna:
transmits, via the contactless connection, instructions to delete at least a portion of existing transaction card data securely stored in the embedded microchip;
transmits, via the contactless connection, new transaction card data and instructions to store the new transaction card data thereby replacing the deleted existing transaction card data;
receives, via the contactless connection, a response to the instructions to store the new transaction card data; and
deactivates the contactless connection with the reprogrammable transaction card.

2 . The user device of claim 1 , wherein the authentication factors include at least one of: a password, a personal identification number (PIN), and a biometric identifier.

3 . The user device of claim 2 , wherein a biometric identifier includes at least one of: facial recognition, voice recognition, and a fingerprint.

4 . The user device of claim 1 , wherein the reprogramming notification includes at least one of: a user-initiated notification and a third-party system initiated notification.

5 . The user device of claim 4 , wherein a user-initiated notification includes a notification received via the user device to reprogram the reprogrammable transaction card; and wherein a third-party system initiated notification includes at least one of: a fraudulent transaction notification from the account provider system, a declined transaction notification from a merchant system, an account expiration notification from the account provider system, and a PIN change notification from the account provider system.

6 . The user device of claim 1 , wherein new transaction card data includes at least one of: a new transaction card number, a new transaction card expiration date, a new transaction card authentication code, new transaction card display data, a new transaction card balance, a new transaction card spending limit, and a new transaction card rate.

7 . The user device of claim 1 , wherein the contactless connection is a near-field communication (NFC) connection.

8 . The user device of claim 1 , wherein the portion of existing transaction card data deleted includes at least one of: a transaction card number, a transaction card expiration date, a transaction card authentication code, transaction card display data, a transaction card balance, a transaction card spending limit, and a transaction card rate.

9 . The user device of claim 1 , further comprising: an encryption processor that encrypts transmissions, via the contactless connection, including the instructions to store the new transaction card data.

10 . The user device of claim 1 , further comprising: a processor to generate new transaction card data.

11 . The user device of claim 10 , wherein the processor to generate new transaction card data includes a random number generator that generates at least a portion of the new transaction card data.

12 . The user device of claim 11 , wherein the response to the instructions to store the new transaction card data includes at least one of: a confirmation of replacement or a refusal of replacement.

13 . A reprogrammable transaction card comprising:
an antenna that: receives a contactless connection request from a user device; establishes a contactless connection with the user device; receives, via the contactless connection, instruction to delete at least a portion of the stored transaction card data; receives, via the contactless connection, instructions to store new transaction card data; transmits, via the contactless connection, a response to the stored new transaction card data; and deactivates the contactless connection with the user device; and a microprocessor chip connectively coupled to the antenna comprising a secure element to store transaction card data and a microprocessor that: deletes the at least a portion of the stored transaction card data in response to receiving the deletion instructions; and stores the new transaction card data in response to receiving the instructions to store new transaction card data.

14 . The reprogrammable transaction card of claim 13 , wherein the contactless connection is a near-field communication (NFC) connection.

15 . The reprogrammable transaction card of claim 13 , wherein the new transaction card data includes at least one of: a new transaction card number, a new transaction card expiration date, a new transaction card authentication code, new transaction card display data, a new transaction card balance, a new transaction card spending limit, and a new transaction card rate.

16 . The reprogrammable transaction card of claim 13 , wherein the portion of transaction card data deleted includes at least one of: a transaction card number, a transaction card expiration date, a transaction card authentication code, transaction card display data, a transaction card balance, a transaction card spending limit, and a transaction card rate.

17 . The reprogrammable transaction card of claim 13 , wherein the microprocessor chip comprises an encryption processor to encrypt the transaction card data stored on the transaction card, including the new transaction card data.

18 . The reprogrammable transaction card of claim 13 , further comprising a display to display transaction card data.

19 . The reprogrammable transaction card of claim 18 , wherein the displayed transaction card data includes at least one of: a transaction card number, an expiration date, and a card holder name.

20 . The reprogrammable transaction card of claim 13 , wherein the response is encrypted by an encryption processor.

21 . The reprogrammable transaction card of claim 13 , wherein the response includes at least one of: a confirmation of replacement or a refusal of replacement.

Assignees

• Capital One Services Llc

Inventors

• Koeppel Adam

Classifications

• G07F7/1008

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

• G07F7/0846

  On-card display means · CPC title

• G06Q20/40145

  Biometric identity checks · CPC title

• G06Q20/3552

  Downloading or loading of personalisation data · CPC title

• G06Q20/352 Primary

  Contactless payments by cards · CPC title