System and method for exchanging data with smart cards
AssigneeCapital One Services, LLC
InventorMatthew T. Guise
Life of this patent
Estimating the term…
Abstract
A system that includes an issuer system that receives, via a network, registration information from a mobile device, wherein the issuer system is associated with a financial institution that issues a smart card to a user and wherein the registration information includes an identifier of the mobile device, and a mobile device application associated with the issuer system, that when executed on a mobile device, communicates with the issuer system to validate the mobile device as a trusted device and enables the trusted device to communicate with the smart card and enable smart card management features mobile device application.
Claims6
A non-transitory, computer-readable medium storing instructions that, when executed by a processor of a mobile device, cause the processor to perform a method comprising:
- transmitting, to an issuer system, registration information including user identification information and a device identifier associated with the mobile device;
- receiving, from the issuer system, a verification request;
- receiving, from a user, verification information;
- transmitting, to the issuer system, the verification information;
- downloading a mobile application;
- receiving, from the user via the mobile application, an online personal identification number (PIN);
- transmitting, to the issuer system, the received online PIN;
- receiving, from the issuer system, an indication that the processor is associated with a device that is a trusted device;
- receiving, from the user via the mobile application, a new offline PIN for a smart card;
- transmitting the new offline PIN from the mobile device and to the issuer system;
- requesting, from the user, confirmation that the new offline PIN is accurate;
- responsive to receiving, from the user, confirmation that the new offline PIN is accurate, transmitting the confirmed new offline PIN to the smart card;
- and
- transmitting instructions to the smart card, the instructions comprising a command to replace the previously stored PIN with the new offline PIN in a memory of the smart card.
A method comprising:
- transmitting, from a mobile device and to an issuer system, registration information including user identification information and a device identifier associated with the mobile device;
- receiving, at the mobile device and from the issuer system, a verification request;
- receiving, at the mobile device and from a user, verification information;
- transmitting, from the mobile device and to the issuer system, the verification information;
- downloading, at the mobile device, a mobile application;
- receiving, from the user and at the mobile device via the mobile application, an online personal identification number (PIN);
- transmitting, to the issuer system and from the mobile device, the received online PIN:
- receiving, from the issuer system and at the mobile device, an indication that the mobile device is a trusted device;
- receiving, from the user and at the mobile device via the mobile application, a new offline PIN for a smart card;
- transmitting the new offline PIN from the mobile device and to the issuer system, the new offline PIN to be associated with the smart card and replace a previously stored PIN at the issuer system;
- requesting, at the mobile device and from the user, confirmation that the new offline PIN is accurate;
- receiving, from the user, confirmation that the new offline PIN is accurate, and transmitting the confirmed new offline PIN to the smart card;
- and
- transmitting instructions to the smart card, the instructions comprising a command to replace the previously stored PIN with the new offline PIN in a memory of the smart card.
Dependencies are inferred from the claim text.