Granted Patent B2

US 10,970,691 · App. 14/977,698 · Granted Apr 6, 2021

Inventor: Adam Koeppel (Washington, DC)

Assignee: CAPITAL ONE SERVICES, LLC

G06Q20/105G06Q20/341G06Q20/352G06Q20/409

Abstract

Claims (60)

1. A user device comprising:

one or more processors;

an antenna;

an input/output interface comprising an embedded near-field communication (NFC) chip; and

memory configured to store instructions to cause the one or more processors to:

receive, at the input/output interface, one or more authentication factors from a user;

determine, with the one or more processors, that the one or more authentication factors match one or more stored authentication factors;

receive new transaction card data from an account provider system;

create, with the antenna, a secure wireless connection between the user device and a reprogrammable transaction card;

transmit, via the secure wireless connection, instructions to the reprogrammable transaction card to delete at least a portion of existing transaction card data securely stored on an embedded microchip of the reprogrammable transaction card;

transmit, via the secure wireless connection, the new transaction card data and instructions to store the new transaction card data on the embedded microchip;

receive, via the secure wireless connection, a response from the reprogrammable transaction card;

determine, with the one or more processors, that the new transaction card data is stored on the reprogrammable transaction card based on the response;

deactivate, with the NFC chip of the input/output interface and the one or more processors, the secure wireless connection between the user device and the reprogrammable transaction card; and

transmit a confirmation to the account provider system that the reprogrammable transaction card has been updated with the new transaction card data.

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

3. The user device of claim 2 , wherein when the one or more authentication factors include the biometric identifier, the biometric identifier includes at least one of: facial recognition, voice recognition, or a fingerprint.

4. The user device of claim 1 , wherein the one or more processors are configured to receive at least one of: a user-initiated notification or a third-party system initiated notification.

5. The user device of claim 4 , wherein the user-initiated notification includes a notification received via the user device to reprogram the reprogrammable transaction card; and wherein the 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, or a PIN change notification from the account provider system.

6. The user device of claim 1 , 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, or a new transaction card rate.

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

8. The user device of claim 1 , wherein the existing transaction card data 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, or a transaction card rate.

9. The user device of claim 1 , wherein the one or more processors are configured to encrypt the instructions to delete at least the portion of existing transaction card data securely stored on the embedded microchip of the reprogrammable transaction card.

10. The user device of claim 1 , wherein the one or more processors verifies that the new transaction card data is unique by comparing the existing transaction card data to the new transaction card data.

11. A reprogrammable transaction card comprising:

an antenna; and

a microprocessor chip including:

a tamper-resistant secure element configured to store transaction card data; and

a reprogramming module configured to:

receive, via the antenna, a request for a wireless connection from a user device;

establish, via the antenna, the wireless connection with the user device;

receive, via the wireless connection, instructions from the user device to delete at least a portion of the stored transaction card data;

receive, via the wireless connection, new transaction card data and instructions to store the new transaction card data;

store the new transaction card data in the secure element based on the instructions;

transmit, via the wireless connection, a response to the instructions to store the new transaction card data, the response comprising a confirmation or refusal of replacing the at least a portion of the stored transaction card data with the new transaction card data;

provide, via the wireless connection, the new transaction card data to the user device; and

deactivate the wireless connection in response to a near-field communication (NFC) chip of the user device eliminating the wireless connection with the antenna.

12. The reprogrammable transaction card of claim 11 , wherein the wireless connection comprises a near-field communication (NFC) connection.

13. The reprogrammable transaction card of claim 11 , 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, or a new transaction card rate.

14. The reprogrammable transaction card of claim 11 , wherein the reprogramming module is configured to delete at least a portion of the stored transaction card data, the stored transaction card data including 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, or a transaction card rate.

15. The reprogrammable transaction card of claim 11 , wherein the reprogramming module encrypts the transaction card data stored on the reprogrammable transaction card, including the new transaction card data.

16. The reprogrammable transaction card of claim 11 , further comprising a display to display the new transaction card data.

17. The reprogrammable transaction card of claim 16 , wherein the new transaction card data includes at least one of: a transaction card number, an expiration date, or a card holder name.

18. The reprogrammable transaction card of claim 11 , wherein the reprogramming module encrypts the response.

19. The reprogrammable transaction card of claim 11 , wherein the microprocessor chip performs operations of a standard transmission protocol to perform offline data authentication.

20. A user device comprising:

one or more processors;

an antenna;

an input/output interface comprising a near-field communication (NFC) chip; and

memory, configured to store instructions that cause the one or more processors to:

receive, at the input/output interface, one or more authentication factors from a user;

determine, with the one or more processors, that the one or more authentication factors match one or more stored authentication factors;

generate a new credit card number using a pseudorandom number generator;

create, with the antenna, a wireless connection between the user device and a reprogrammable transaction card;

transmit, via the wireless connection, instructions to the reprogrammable transaction card to delete an existing credit card number securely stored on an embedded microchip of the reprogrammable transaction card;

transmit, via the wireless connection, the new credit card number and instructions to store the new credit card number on the embedded microchip;

receive, via the wireless connection, a response from the reprogrammable transaction card;

determine, with the one or more processors, that the new credit card number is stored on the reprogrammable transaction card based on the response;

deactivate, with the NFC chip of the input/output interface and the one or more processors, the wireless connection between the user device and the reprogrammable transaction card; and

transmit a confirmation to an account provider system that the reprogrammable transaction card has been updated with the new credit card number.

Assignments (1)

Continuity (2)

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