System, method, and apparatus for a dynamic transaction card

Patent metadata

Field	Value
Publication number	US-2017109743-A1
Application number	US-201615395056-A
Country	US
Kind code	A1
Filing date	Dec 30, 2016
Priority date	Oct 17, 2011
Publication date	Apr 20, 2017
Grant date	—

Abstract

A dynamic transaction card that includes a transaction card having a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a touch sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV chip, an energy storage component, one or more antenna (e.g., Bluetooth antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer.

First claim

1 - 40 . (canceled)

41 . A mobile device, comprising:
a mobile device secure memory; a mobile device microprocessor; a cryptographic unit associated with the mobile device processor that generates an encrypted handshake using a public key; and a limited distance communication unit that communicates with a dynamic transaction card, wherein the dynamic transaction card includes:
an outer protective layer having an outer edge;
a card backing having an outer edge, wherein the card backing outer edge and the outer protective layer are connected to one another along the respective outer edges to form a casing for the components of the dynamic transaction card;
wherein the components of the dynamic transaction card include:
a potting layer;
a EuroPay-Mastercard-Visa (EMV) chip comprising an EMV plate accessible from the outer protective layer and an EMV processor;
a sensor that detects an input to the dynamic transaction card;
an application processor storing one or more applications, wherein each application is account-provider specific and includes instructions to generate a display upon receiving input from the sensor;
a display component that is visible through or extends through the outer protective layer; and
a microcontroller to receive application data from the one or more applications and activate the display via a display driver;
an energy storage component to power the dynamic transaction card;
a bootloader; and
a chassis.

42 . The mobile device of claim 41 , wherein the dynamic transaction card further includes:
an antenna that enables the dynamic transaction card to communicate via a limited distance communication network.

43 . The mobile device of claim 42 , wherein the one or more applications comprises a display settings application comprising user-defined display settings.

44 . The mobile device of claim 43 , wherein the user-defined display settings are received from the mobile device via the antenna.

45 . The mobile device of claim 43 , wherein the user-defined display settings are received from a terminal via the EMV plate.

46 . The mobile device of claim 42 , wherein the EMV chip receives transaction data from a terminal.

47 . The mobile device of claim 46 , wherein the EMV chip receives transaction data via the microcontroller acting as a conduit.

48 . The mobile device of claim 46 , wherein the EMV chip receives transaction data via the application processor acting as a conduit.

49 . The mobile device of claim 41 , wherein the potting layer is constructed out of a light guide, acrylic, resin, polycarbonate, epoxies, glass, and/or injection molding.

50 . The mobile device of claim 41 , wherein the display component displays a transaction amount, an updated account balance, an updated budget balance, an account limit, and/or a transaction history.

51 . The mobile device of claim 42 , wherein each of the at least one or more applications includes respective transaction rules to preprocess a transaction using the application processor before transmitting transaction data to an issuer system.

52 . The mobile device of claim 52 , wherein the application processor receives updated transaction rules from a user mobile device via the antenna.

53 . The mobile device of claim 41 , wherein the chassis is constructed of conductive material, and wherein a dielectric constant of the dynamic transaction card is monitored to detect handling of the dynamic transaction card.

54 . The mobile device of claim 41 , wherein the sensor detects an input of the dynamic transaction card, and wherein the input causes input data to be transmitted to the bootloader to perform a power up of the dynamic transaction card or an activation of the dynamic transaction card.

55 . The mobile device of claim 41 , wherein the sensor detects an input of the dynamic transaction card, and wherein the input causes input data to be transmitted to the application processor to perform one of the following actions: selection of a particular account to conduct a transaction, confirmation of a transaction, a display of account data, and a display of transaction data.

56 . The mobile device of claim 41 , further comprising a printed circuit board (PCB) to provide integration between the components of the dynamic transaction card.

57 . The mobile device of claim 41 , wherein the sensor comprises an accelerometer, a light sensor, a capacity touch sensor, a motion sensor, a heat sensor, a piezoelectric sensor, and/or load cells.

58 . The mobile device of claim 52 , wherein, upon activation of the dynamic transaction card, the application processor transmits a request for updated application data to a terminal and/or a user mobile device, wherein the updated application data includes updated account data, updated transaction rules, updated transaction data, and/or updated account holder data.

59 . The mobile device of claim 57 , wherein the application processor and/or the microcontroller control a state of the dynamic transaction card, wherein the state of the dynamic transaction card comprises: a sleep state, a power off state, and an active state.

60 . The mobile device of claim 41 , wherein the microcontroller acts as a conduit to transfer all data between the EMV chip and a terminal, and wherein the microcontroller uses plaintext data to generate a display using the display component of the dynamic transaction card.

61 . The mobile device of claim 1 , wherein the antenna includes a Near-Field Communication (NFC) antenna, a Bluetooth antenna, a Bluetooth Low Energy (BLE) antenna, a WiFi Direct antenna, and/or a radio-frequency identification (RFID) antenna.

Assignees

• Capital One Services Llc

Inventors

• ZARAKAS James
• Markson Theodore
• Koeppel Adam
• Kelly Kevin
• Briggman Brian
• SANGI Saleem
• Wurmfeld David
• LOCKE Tyler
• ESCALANTE Karla

Classifications

• G06Q20/405

  Establishing or using transaction specific rules · CPC title

• G06K19/02

  characterised by the selection of materials, e.g. to avoid wear during transport through the machine · CPC title

• G06K19/07707

  the visual interface being a display, e.g. LCD or electronic ink · CPC title

• G06Q20/3552

  Downloading or loading of personalisation data · CPC title

• G06K19/07722

  the record carrier being multilayered, e.g. laminated sheets (flat articles in general, see B32B37/00) · CPC title