Card for secure interactions by utilizing multiple card credentials
In some implementations, a device may receive, from a terminal, an indication of a first card credential associated with a card that was provided to the terminal to initiate a first interaction, where the card is associated with the multiple card credentials, including the first card credential. The device may determine that the first card credential is valid based on at least one of: the first card credential having not been previously used for another interaction associated with the card, or a first amount of time, from a first time indicated by a first timestamp associated with the first card credential to a reception time of the first card credential, satisfying a validity threshold. The device may transmit, to the terminal, an indication that the card is approved for the first interaction based on the first card credential being determined to be valid.
1. A card for secure interactions with register devices by utilizing multiple card credentials, the card comprising:
an integrated circuit (IC) chip;
a near field communication (NFC) component;
one or more memories storing a permanent card credential and the multiple card credentials, wherein each of the multiple card credentials is associated with a same account of a user associated with the card,
wherein the multiple card credentials include a primary account number; and
one or more processors, coupled to the one or more memories, configured to:
use the multiple card credentials or the permanent card credential based on determining whether an NFC technique or another communication technique is being used to communicate with a first terminal of a first register device,
wherein the one or more processors, to use the multiple card credentials or the permanent card credential, are configured to:
detect, via the NFC component, that the card is within a communicative proximity of the first terminal; and
determine, based on detecting via the NFC component that the card is within the communicative proximity of the first terminal, to use the multiple card credentials;
identify, via the IC chip and based on determining to use the multiple card credentials, a first card credential, from the multiple card credentials, to be used for a first interaction with the first register device based on at least one of:
a timestamp associated with the first card credential that indicates an amount of time for which the first card credential is valid, or
an incremental counter maintained by the IC chip that indicates a next card credential, from the multiple card credentials, that is to be used; and
transmit, via the NFC component, the first card credential to enable the first interaction with the first register device to be initiated.
2. The card of claim 1 , wherein the one or more processors are further configured to:
detect, via the NFC component, that the card is within a communicative proximity of a second terminal of a second register device;
identify, via the IC chip, a second card credential, from the multiple card credentials, to be used for a second interaction with the second register device based on at least one of:
the timestamp associated with the first card credential or another timestamp associated with the second card credential, or
the incremental counter maintained by the IC chip; and
transmit, via the NFC component, the second card credential to enable the second interaction with the second register device to be initiated.
3. The card of claim 1 , wherein the one or more processors, to identify the first card credential, are configured to:
identify whether any card credentials, from the multiple card credentials, are associated with a valid timestamp; and
determine to use the first card credential based on the first card credential being associated with the valid timestamp or based on no card credentials, from the multiple card credentials, being associated with the valid timestamp.
4. The card of claim 1 , wherein the one or more processors, to identify the first card credential, are configured to:
determine to use the first card credential based on the incremental counter indicating an index value associated with the first card credential.
5. The card of claim 1 , wherein each card credential of the multiple card credentials is used by the card for a single interaction or only for a threshold amount of time from a time indicated by a timestamp associated with the card credential.
6. The card of claim 1 , wherein the one or more processors are further configured to:
communicate, via the NFC component and with a device, to receive an updated set of card credentials; and
store the updated set of card credentials in the one or more memories,
wherein the updated set of card credentials replace the multiple card credentials in the one or more memories or are stored in addition to the multiple card credentials in the one or more memories.
7. The card of claim 1 , wherein the multiple card credentials are stored in the one or more memories in an ordered array, and wherein the one or more processors, to identify the first card credential, are configured to:
identify to use the first card credential based on the first card credential being a next card credential, indicated by the incremental counter, in the ordered array.
8. The card of claim 1 , wherein the one or more processors are further configured to:
detect, via the IC chip, that the card is interacting with an IC chip reader or a magnetic stripe reader for initiating a second interaction with a second terminal; and
transmit, via the IC chip or a magnetic stripe of the card, the permanent card credential associated with the card based on the second interaction being associated with the IC chip reader or the magnetic stripe reader.
9. A method for secure interactions with register devices by utilizing multiple card credentials, comprising:
using, by a card, multiple card credentials or a permanent card credential based on identifying whether a near field communication (NFC) technique or another communication technique is being used to communicate with a first terminal of a first register device,
wherein the multiple card credentials include a primary account number, and
wherein using the multiple card credentials or the permanent card credential comprises:
detecting, via an NFC component of the card, that the card is within a communicative proximity of the first terminal; and
determining, based on detecting via the NFC component that the card is within the communicative proximity of the first terminal, to use the multiple card credentials;
identifying, by the card and via an integrated circuit (IC) chip of the card and based on determining to use the multiple card credentials, a first card credential, from the multiple card credentials, to be used for a first interaction with the first register device based on at least one of:
a timestamp associated with the first card credential that indicates an amount of time for which the first card credential is valid, or
an incremental counter maintained by the IC chip that indicates a next card credential, from the multiple card credentials, that is to be used; and
transmitting, via the NFC component, the first card credential to enable the first interaction with the first register device to be initiated.
10. The method of claim 9 , further comprising:
detecting, via the NFC component, that the card is within a communicative proximity of a second terminal of a second register device;
identifying, via the IC chip, a second card credential, from the multiple card credentials, to be used for a second interaction with the second register device based on at least one of:
the timestamp associated with the first card credential or another timestamp associated with the second card credential, or
the incremental counter maintained by the IC chip; and
transmitting, via the NFC component, the second card credential to enable the second interaction with the second register device to be initiated.
11. The method of claim 9 , wherein identifying the first card credential comprises:
identifying whether any card credentials, from the multiple card credentials, are associated with a valid timestamp; and
determining to use the first card credential based on the first card credential being associated with the valid timestamp or based on no card credentials, from the multiple card credentials, being associated with the valid timestamp.
12. The method of claim 9 , wherein identifying the first card credential comprises:
determining to use the first card credential based on the incremental counter indicating an index value associated with the first card credential.
13. The method of claim 9 , wherein each card credential of the multiple card credentials is used by the card for a single interaction or only for a threshold amount of time from a time indicated by a timestamp associated with the card credential.
14. The method of claim 9 , further comprising:
communicating, via the NFC component and with a device, to receive an updated set of card credentials; and
storing the updated set of card credentials in one or more memories of the card,
wherein the updated set of card credentials replace the multiple card credentials in the one or more memories or are stored in addition to the multiple card credentials in the one or more memories.
15. The method of claim 9 , wherein the multiple card credentials are stored in one or more memories of the card in an ordered array, and wherein one or more processors of the card, to identify the first card credential, are configured to:
identifying to use the first card credential based on the first card credential being a next card credential, indicated by the incremental counter, in the ordered array.
16. A non-transitory computer-readable medium storing a set of instructions, the set of instructions comprising:
one or more instructions that, when executed by one or more processors of a card, cause the card to:
use, by the card, multiple card credentials or a permanent card credential based on identifying whether a near field communication (NFC) technique or another communication technique is being used to communicate with a first terminal of a first register device,
wherein the multiple card credentials include a primary account number, and
wherein the one or more instructions, when using the multiple card credentials or the permanent card credential, further cause the card to:
detect, via an NFC component, that the card is within a communicative proximity of the first terminal; and
determine, based on detecting via the NFC component that the card is within the communicative proximity of the first terminal, to use the multiple card credentials;
identify, via an integrated circuit (IC) chip and based on determining to use the multiple card credentials, a first card credential, from the multiple card credentials, to be used for a first interaction with the first register device based on at least one of:
a timestamp associated with the first card credential that indicates an amount of time for which the first card credential is valid, or
an incremental counter maintained by the IC chip that indicates a next card credential, from the multiple card credentials, that is to be used; and
transmit, via the NFC component, the first card credential to enable the first interaction with the first register device to be initiated.
17. The non-transitory computer-readable medium of claim 16 , wherein the one or more instructions, that cause the card to identify the first card credential, cause the card to:
determine to use the first card credential based on the incremental counter indicating an index value associated with the first card credential.
18. The non-transitory computer-readable medium of claim 16 , wherein each card credential of the multiple card credentials is used by the card for a single interaction or only for a threshold amount of time from a time indicated by a timestamp associated with the card credential.
19. The non-transitory computer-readable medium of claim 16 , wherein the one or more instructions further cause the card to:
communicate, via the NFC component and with a device, to receive an updated set of card credentials; and
store the updated set of card credentials in one or more memories of the card,
wherein the updated set of card credentials replace the multiple card credentials in the one or more memories or are stored in addition to the multiple card credentials in the one or more memories.
20. The non-transitory computer-readable medium of claim 16 , wherein the multiple card credentials are stored in one or more memories of the card in an ordered array, and wherein the one or more processors, to identify the first card credential, are configured to:
identify to use the first card credential based on the first card credential being a next card credential, indicated by the incremental counter, in the ordered array.