Transaction card assembly
AssigneeCapital One Services, LLC
InventorsPhoebe Atkins, Michael Saia, Vyjayanthi Vadrevu
Life of this patent
Estimating the term…
Abstract
A modular transaction card assembly includes a card frame having the traditional dimensions of a credit card, and a transaction card that is smaller than a traditional card and that fits into a receptacle of the card frame. Each of the card frame and the transaction card may be capable of performing contactless data transactions individually. In some instances, the combined assembly of the card frame with the transaction card may detect a proximity of a mobile device to the assembly and generate an authentication credential that is unique to the combination of the card frame, the transaction card, and the mobile device. The authentication credential may be used to authentic the transaction card when conducting a data transaction.
Claims20
A smart card system for performing data transactions, the smart card system comprising a card frame and a transaction card, wherein:
- the transaction card comprises a first processor circuit and a first memory having a first credential stored therein;
- the card frame comprises a second processor circuit, a second memory having a second credential stored therein, and a receptacle configured to secure, enable removal of, and resecure the transaction card in the card frame;
- wherein, when the transaction card is secured in the card frame, the first processor circuit, the second processor circuit, or a combination of the first processor circuit and the second processor circuit, is configured to:
- retrieve a third credential from the first memory or the second memory;
- determine that a mobile device identified by the third credential is within a predetermined distance to the card frame;
- generate, based the determination that the mobile device is within the predetermined distance to the card frame, a fourth credential, wherein the fourth credential is generated from the first credential, the second credential, and the third credential;
- and
- perform, using the fourth credential, a data transaction between the transaction card and one of a plurality of terminals.
A transaction card comprising:
- one or more antennas;
- a memory having instructions stored therein;
- and
- a processor circuit configured to execute the instructions, and based on the execution of the instructions, to:
- retrieve a first credential from the memory;
- receive, via the one or more antennas, information from a wireless network, wherein the information indicates that a mobile device associated with a second credential is within a predetermined distance to the transaction card;
- generate, based the information, a third credential determined from a combination of the first credential and the second credential;
- and
- perform, using the third credential and via the one or more antennas, a secure data transaction between the transaction card and one of a plurality of terminals.
A method comprising:
- retrieving, from a first memory in a transaction card, a first credential;
- retrieving, from a second memory in a card frame, a second credential;
- detecting, that the transaction card is secured in a receptacle of the card frame;
- establishing, via an antenna in the card frame, a peer-to-peer network between a mobile device and the card frame;
- receiving, from the mobile device via the peer-to-peer network, a third credential;
- generating, based on the detecting that the transaction card is secured in the receptacle and based on the receiving of the third credential, a fourth credential, wherein the fourth credential is generated from the first credential, the second credential, and the third credential;
- and
- performing, using the fourth credential and via the card frame, a secure data transaction between the transaction card and a terminal.
Dependencies are inferred from the claim text.