Granted Patent B2

US 12,299,669 · App. 18/539,241 · Granted May 13, 2025

Inventors: Lawrence Douglas (McLean, VA); Paul Y. Moreton (Tuscaloosa, AL)

Assignee: Capital One Services, LLC

G06Q20/3278G06Q20/349G06Q20/352G06Q20/3672G07F7/084H02J50/80H04B5/79H04W12/06G06K7/10158

Abstract

Claims (47)

1. A method of provisioning tokens and conducting transactions using the tokens, comprising:

establishing, by a batteryless financial card, a first wireless connection with an application on a user device, wherein the batteryless financial card is powered wirelessly by a first induction device at a merchant terminal;

receiving, via the first wireless connection, a first token from the application, wherein the first token comprises first confidential account information;

establishing, by the batteryless financial card, a second wireless connection with the merchant terminal, wherein the batteryless financial card is powered wirelessly by the first induction device;

determining a second token, that comprises second confidential account information corresponding to the first confidential account information, based on the wirelessly received first token, wherein the second token is of a different format than the first token; and

transmitting, via the second wireless connection, the second token to the merchant terminal.

2. The method of claim 1 , wherein establishing the first wireless connection further comprises:

transmitting a first encrypted message to the user device; and

receiving a second encrypted message from the user device.

3. The method of claim 1 , wherein establishing the second wireless connection further comprises:

transmitting a third encrypted message to the merchant terminal; and

receiving a fourth encrypted message from the merchant terminal.

4. The method of claim 1 , wherein transmitting, by the batteryless financial card, the second token to the merchant terminal further comprises transmitting the second token to the merchant terminal in an encrypted format.

5. The method of claim 1 , wherein the merchant terminal transmits the second token to a remote server for verification.

6. The method of claim 1 , wherein transmitting, via the second wireless connection, the second token to the merchant terminal comprises using a cyclic redundancy check on packets transmitting the second token.

7. The method of claim 1 , wherein receiving power wirelessly from the first induction device further comprises using an electromagnetic field to transfer energy from the first induction device.

8. The method of claim 1 , further comprising:

receiving, by an induction antenna, power from an induction field generated by the first induction device.

9. The method of claim 1 , wherein the first wireless connection uses a predetermined frequency band.

10. The method of claim 1 , further comprising storing the second token on the batteryless financial card.

11. The method of claim 1 , further comprising deleting the second token from the batteryless financial card after transmitting the second token to the merchant terminal.

12. The method of claim 1 , further comprising indicating, using an indicator interface of the batteryless financial card, an indication of an operating status of the batteryless financial card.

13. The method of claim 1 , wherein the first wireless connection comprises a Bluetooth Low Energy (BLE) connection.

14. The method of claim 1 , wherein establishing the second wireless connection comprises establishing a near-field communication (NFC) connection.

15. The method of claim 1 , further comprising transmitting, by the merchant terminal, an authorization request, based on the second token, to a remote server.

16. The method of claim 1 , wherein the batteryless financial card comprises a controller, a wireless power receiver, and communication component on a single chip.

17. The method of claim 1 , wherein the batteryless financial card comprises a controller, a wireless power receiver, and communication component on multiple chips.

18. The method of claim 1 , wherein the batteryless financial card comprises a secure element configured to provide an environment that processes data for secure storage and execution.

19. The method of claim 1 , wherein the first confidential account information comprises a password, and wherein the second confidential account information comprises financial card account information.

20. The method of claim 1 , wherein determining the second token based on the first token further comprises:

determining a required data format; and

re-formatting the first token based on the required data format to generate the second token.

21. The method of claim 1 , wherein determining the second token based on the first token further comprises:

determining information necessary to process a transaction request at the merchant terminal; and

determining the second token based on the first token and the information.

22. The method of claim 1 , wherein determining the second token based on the first token further comprises:

receiving a user authorization; and

determining the second token based on the first token and the user authorization.

23. The method of claim 1 , wherein determining the second token based on the first token further comprises:

determining a multi-use token corresponding to the first token; and

determining the second token based on the multi-use token.

24. The method of claim 1 , wherein determining the second token based on the first token further comprises:

determining a single use token corresponding to the first token; and

determining the second token based on the single use token.

25. The method of claim 1 , wherein determining the second token based on the first token further comprises:

determining a plurality of pre-stored tokens available to a user based on the first token; and

selecting the second token from the plurality of pre-stored tokens.

Assignments (1)

Continuity (4)

References Cited (25)