# US 10,373,146 B2 · Smart card NFC secure money transfer > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 10,373,146 B2 - Document ID: US10373146B2 - Status: Granted - Kind: B2 - Application number: 15/663,083 - Filed: 2017-07-28 - Published: 2018-07-05 - Granted: 2019-08-06 - Earliest claimed: 2016-12-29 - Assignees: Capital One Services, LLC - Applicants: Capital One Services, LLC - Inventors: Tyler Locke; Kevin Kelly; David Wurmfeld - Web page: https://patentgrep.com/patent/US10373146B2 ## CPC - G06Q 20/204: {comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit} - G06F 21/34: involving the use of external additional devices, e.g. dongles or smart cards - G06Q 20/20: Point-of-sale [POS] network systems - G06Q 20/3221: {Access to banking information through M-devices} - G06Q 20/3223: {Realising banking transactions through M-devices} - G06Q 20/3226: {Use of secure elements separate from M-devices} - G06Q 20/3278: {RFID or NFC payments by means of M-devices} - G06Q 20/341: {Active cards, i.e. cards including their own processing means, e.g. including an IC or chip} - G06Q 20/346: {Cards serving only as information carrier of service} - G06Q 20/352: {Contactless payments by cards} - G06Q 20/382: {insuring higher security of transaction} - G06Q 30/06: Buying, selling or leasing transactions - G07F 7/084: {Additional components relating to data transfer and storing, e.g. error detection, self-diagnosis} - G07F 7/0846: {On-card display means} - G07F 7/0866: {by active credit-cards adapted therefor (G07F7/1008 takes precedence)} - G07F 7/1008: {Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system} - H04B 5/70: specially adapted for specific purposes - H04B 5/266: {One coil at each side, e.g. with primary and secondary coils} - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) - G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00}) - H04B: TRANSMISSION ## Abstract A secure method of real time money transferring between account holders utilizes Near Field Communication (NFC) technologies, dynamic transaction cards, and a mobile application to facilitate a seamless mobile transfer of funds. The dynamic transaction card of the customer requesting to make the transfer of funds may be placed in contact with the second recipient dynamic transaction card of the customer receiving the funds transfer to establish an NFC connection. The dynamic transaction card requesting the transfer may receive, via the NFC antenna on the card, the recipient customer account information stored on a passive NFC tag. The dynamic transaction card requesting the transfer may transmit the recipient account information to a mobile application, which may transmit the recipient account information to an account provider system for facilitating the funds transfer. ## Claims ### Claim 1 A system comprising a first dynamic transaction card, the first dynamic transaction card comprising: a first secure payment chip that stores first financial data; a first payment processing microprocessor; and an application processor storing a first application, wherein the first application when executed causes the first dynamic transaction card to: receive, via a short range wireless communication network, a request, from a user application executed on a user device, to transfer funds from a first account associated with the first dynamic transaction card to a second account associated with a second recipient dynamic transaction card, the second recipient dynamic transaction card comprising a second secure payment chip that stores second financial data and a second payment processing microprocessor; enable an active communication mode on the first dynamic transaction card; contact the second recipient dynamic transaction card, wherein the second recipient dynamic transaction card enables an active communication mode and stores second recipient account information in a passive tag; receive, via a connection between the first dynamic transaction card and the second recipient dynamic transaction card, the second recipient account information stored in the passive tag; and transmit, via the short range wireless communication network, the second recipient account information to the user application, wherein the user application is configured to: encrypt the second recipient account information to create a second recipient account information token; and transmit the second recipient account information and the second recipient account information token to an account provider system over a mobile network or WiFi; and wherein the account provider system is configured to: determine whether the second recipient account information token has expired; and transfer the requested funds from the first account to the second recipient account in response to determining that the second recipient account information token has not expired. ### Claim 2 (depends on 1) The system of claim 1, wherein the first secure payment chip and the second secure payment chip comprises a EuroPay-MasterCard-Visa (EMV™) chip. ### Claim 3 (depends on 1) The system of claim 1, wherein the user device comprises a mobile device. ### Claim 4 (depends on 1) The system of claim 1, wherein the connection between the first dynamic transaction card and the second recipient dynamic transaction card comprises a Near Field Communication (NFC) connection. ### Claim 5 (depends on 1) The system of claim 1, wherein the short range wireless communication network comprises a Bluetooth™ or Bluetooth™ Low Energy (BLE) network. ### Claim 6 A method comprising: providing a first dynamic transaction card comprising a secure first payment chip that stores financial data, a first payment processing microprocessor, and a first application processor; providing a second dynamic transaction card comprising a second secure payment chip that stores financial data and a second payment processing microprocessor and a second application processor; receiving on the first dynamic transaction card application processor, via a short range wireless communication network, a request, from a user application executed on a user device, to transfer funds from a first account associated with a first dynamic transaction card to a second recipient account associated with a second recipient dynamic transaction card; enabling, via the first dynamic transaction card application processor, an active communication mode on the first dynamic transaction card; enabling, via the second dynamic transaction card application processor of the second recipient dynamic transaction card, a second active communication mode on the second recipient dynamic transaction card; and storing, via the second recipient dynamic transaction card application processor, a second account information in a passive NFC tag; establishing an NFC connection by contacting the first dynamic transaction card to the second recipient dynamic transaction card; receiving, via a connection between the first dynamic transaction card and the second recipient dynamic transaction card, the second account information stored in the passive tag; transmitting, via the short range wireless communication network, the second account information from the first dynamic transaction card to the user application; encrypting, via the user application, the second account information to create a second account information token; transmitting, via the user application, the second account information and the second account information token to an account provider system over a wireless network; determining, via the account provider system, whether the second account information token has expired; and transferring the requested funds, via the account provider system, from the first account to the second recipient account responsive to determining that the second account information token has not expired. ### Claim 7 (depends on 6) The method of claim 6, wherein the user device comprises a mobile device. ### Claim 8 (depends on 6) The method of claim 6, wherein the connection between the first dynamic transaction card and the second recipient dynamic transaction card comprises a Near Field Communication (NFC) connection. ### Claim 9 (depends on 6) The method of claim 6, wherein the short range wireless communication network comprises a Bluetooth™ or Bluetooth™ Low Energy (BLE) network. ### Claim 10 (depends on 6) The method of claim 6, wherein the wireless network comprises a mobile network or WiFi. ### Claim 11 A system comprising a first dynamic transaction card, the first dynamic transaction card comprising: a first secure payment chip that stores first financial data; a first payment processing microprocessor; and an application processor storing a first application, wherein the first application when executed causes the first dynamic transaction card to: enable an active communication mode on the first dynamic transaction card; contact a second recipient dynamic transaction card comprising a second secure payment chip that stores second financial data and a second payment processing microprocessor, the second recipient dynamic transaction card being configured to enable an active communication mode and storing second recipient account information in a passive tag; receive, via a connection between the first dynamic transaction card and the second recipient dynamic transaction card, the second recipient account information stored in the passive tag; and transmit, via the short range wireless communication network, the second recipient account information to a user application executed on a user device, wherein the user application is configured to: encrypt the second recipient account information to create a second recipient account information token, and transmit the second recipient account information and the second recipient account information token to an account provider system over a mobile network or WiFi, and wherein the account provider system is configured to: determine whether that second recipient account information token has expired, and transfer the requested funds from a first account to the second recipient account responsive to determining that the account information token has not expired. ### Claim 12 (depends on 11) The system of claim 11, wherein the secure first payment chip comprises a EuroPay-MasterCard-Visa (EMV™) chip. ### Claim 13 (depends on 11) The system of claim 11, wherein the user device comprises a mobile device. ### Claim 14 (depends on 11) The system of claim 11, wherein the connection between the first dynamic transaction card and the second recipient dynamic transaction card comprises a Near Field Communication (NFC) connection. ### Claim 15 (depends on 11) The system of claim 11, wherein the short range wireless communication network comprises a Bluetooth™ or Bluetooth™ Low Energy (BLE) network. ### Claim 16 (depends on 11) The system of claim 11, wherein the first dynamic transaction card further comprises an antenna. ### Claim 17 (depends on 11) The system of claim 11, wherein the user application is configured to encrypt the second recipient account information by at least one encryption technique of a cryptographic key, a hash algorithm, a digital signature, and a checksum. ### Claim 18 (depends on 11) The system of claim 11, wherein the account provider system is configured to receive a message notifying the account provider system that a funds transfer has occurred from the first account to the second recipient account. ### Claim 19 (depends on 18) The system of claim 18, wherein the account provider system is configured to update an account balance of the first account based on the message. ### Claim 20 (depends on 11) The system of claim 11, wherein a destination application programming interface (API) is configured to provide a confirmation to the account provider system that a funds transfer has been completed between the first account and the second recipient account.