Dynamic transaction card power management

Patent metadata

Field	Value
Publication number	US-2019220719-A1
Application number	US-201916360645-A
Country	US
Kind code	A1
Filing date	Mar 21, 2019
Priority date	Apr 14, 2015
Publication date	Jul 18, 2019
Grant date	—

Abstract

A printed circuit board (“PCB”) with a power source. The PCB and power source combination may be inserted into a small electronic device, such as a dynamic transaction card, which may include a dynamic transaction card or a EuroPay-MasterCard-Visa (“EMV”) card. For example, a PCB may be manufactured to attach a battery as a power source to one side of a PCB such that the integrated battery directly connects with at least a portion of the PCB side. A rapid energy storage device may also be utilized as a power source. Energy may be harvested from an EMV terminal to charge or recharge a dynamic transaction card or EMV card powered by a rapid energy storage device when the card is inserted into the terminal.

First claim

1 - 22 . (canceled)

23 . A method comprising:
receiving, at an activation sensor of a dynamic transaction card, biometric data input; determining, at the dynamic transaction card, whether the biometric data input matches user biometric data stored on the dynamic transaction card, thereby verifying a user of the dynamic transaction card; activating, in response to verifying the user of the dynamic transaction card, a power management circuit in communication with the activation sensor to control charging of a rapid energy storage device, and discharging of the rapid energy storage device; determining that a physical connection with a transaction terminal or a standalone charger is established; and transmitting, using the power management circuit and in response to determining that the physical connection is established, a current to the rapid energy storage device from the transaction terminal.

24 . The method of claim 23 , further comprising:
determining, at the activation sensor, that the biometric data input does not match the user biometric data; pairing the dynamic transaction card with a mobile device; receiving, at the dynamic transaction card, an attempted password from the mobile device; and determining that the attempted password matches a stored password on the dynamic transaction card, thereby verifying the user of the dynamic transaction card.

25 . The method of claim 23 , further comprising:
configuring, using the power management circuit, a subset of pins on the dynamic transaction card to charge the rapid energy storage device; and receiving, at the rapid energy storage device, the current for one or more predetermined time intervals through the subset of pins.

26 . The method of claim 23 , wherein
the rapid energy storage device comprises a rechargeable battery attached to a printed circuit board (PCB) and an ultracapacitor printed on the PCB; and a combination of the rechargeable battery and the PCB have a thickness of less than 0.70 mm.

27 . The method of claim 23 further comprising:
determining that the physical connection with the transaction terminal is established; and
providing, via the power management circuit, a high-power current to the rapid energy storage device from the transaction terminal in accordance with an accelerated charge mode.

28 . The method of claim 27 , wherein the accelerated charge mode provides up to 500 mA at 5V to the rapid energy storage device.

29 . The method of claim 23 further comprising:
determining that the physical connection with the standalone charger is established; and
providing, via the power management circuit, a low-power current to the rapid energy storage device from the standalone charger in accordance with a limited charge mode.

30 . The method of claim 23 further comprising:
determining that the power management circuit is configured to utilize only a limited charge mode; and
either:
providing a low-power current to the rapid energy storage device from the transaction terminal; or
providing transmitting a low-power current to the rapid energy storage device from a standalone charger.

31 . The method of claim 23 , wherein the biometric data input comprises a fingerprint scan or an iris scan.

32 . A method comprising:
determining, using an activation sensor, that a dynamic transaction card is in communication with a standalone charger through a physical connection; activating a power management circuit in communication with the activation sensor associated with the dynamic transaction card to control charging of a power source of the dynamic transaction card, and discharging of the power source; and transmitting, according to a limited charge mode, a low-power current to the power source from the standalone charger, wherein the power source comprises a rechargeable battery and an ultracapacitor integrated on a printable circuit board (PCB), and wherein the power source and the PCB have a thickness less than 0.70 mm.

33 . The method of claim 32 , further comprising:
illuminating, using an edge light of the dynamic transaction card, an outer edge of the dynamic transaction card to indicate the limited charge mode.

34 . The method of claim 32 , wherein the activation sensor is positioned at an outer edge of the dynamic transaction card.

35 . The method of claim 32 , further comprising:
determining, using an activation sensor, that the dynamic transaction card is in communication with a transaction terminal; and providing, according to an accelerated charge mode, a high-power current to the power source from the transaction terminal for one or more predetermined time intervals.

36 . The method of claim 35 , wherein the high-power current is at most 500 mA at 5V to the power source.

37 . A method comprising:
pairing a dynamic transaction card with a mobile device; receiving, by an activation sensor of the dynamic transaction card, an attempted password from the mobile device; determining that the attempted password matches a stored password stored by the dynamic transaction card; and activating a power management circuit of the dynamic transaction card to manage charging and discharging of a power source of the dynamic transaction card.

38 . The method of claim 37 further comprising:
determining that a physical connection with a transaction terminal is established; and
transmitting, according to an accelerated charge mode, a high-power current to the power source from the transaction terminal.

39 . The method of claim 38 , further comprising:
regulating, using a power conditioning circuit, the high-power current transmitted to the power source; and converting, using the power management circuit, a voltage input from the transaction terminal to a predetermined voltage level.

40 . The method of claim 38 , wherein the high-power current transmits up to 500 mA at 5V to the power source.

41 . The method of claim 37 , further comprising:
determining that a physical connection with a standalone charger is established; and transmitting, according to a limited charge mode, a low-power current to the power source from the standalone charger by the physical connection.

42 . The method of claim 37 , further comprising:
determining that a physical connection with a transaction terminal or a standalone charger is established; determining that the power management circuit is configured to utilize only a limited charge mode; and either:
transmitting, via the power management circuit, a low-power current to the power source from the transaction terminal; or
providing, via the power management circuit, a low-power current to the power source from the standalone charger.

Assignees

• Capital One Services Llc

Inventors

• LOCKE Tyler
• Wurmfeld David
• ZARAKAS James
• Koeppel Adam

Classifications

• H02J7/00

  Circuit arrangements for charging or discharging batteries or for supplying loads from batteries · CPC title

• G06K19/0702

  the arrangement including a battery · CPC title

• G06K19/0707

  the arrangement being capable of collecting energy from external energy sources, e.g. thermocouples, vibration, electromagnetic radiation (G06K19/0702 takes precedence) · CPC title

• G06K19/0703

  the battery being onboard of a handheld device, e.g. a smart phone or PDA · CPC title

• H01M16/00

  Structural combinations of different types of electrochemical generators · CPC title