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. The combined assembly of the card frame with the transaction card secured in the receptacle is also capable of performing contact data transactions, and in some instances, with an identifier that is distinct from the card frame or the transaction card alone. The card frame may include a processor enabling it to perform data encryption and authentication of the smaller transaction card.
Claims20
A smart card frame for performing a contactless data transaction between a transaction card and a terminal, the smart card frame comprising:
- a flat sheet;
- a receptacle integrated in the flat sheet and configured to secure, enable removal of, and resecure the transaction card in the smart card frame;
- an antenna integrated in the smart card frame;
- and
- memory and a processor circuit integrated in the flat sheet, wherein the processor circuit is configured to:
- perform, via the antenna, a first communication wirelessly between the processor circuit and the terminal;
- perform a second communication between the processor circuit and the transaction card when the transaction card is secured in the receptacle;
- receive, in the second communication, a first identifier unique to the transaction card;
- retrieve from the memory, a second identifier unique to the smart card frame;
- and
- generate a third identifier based on the first identifier and the second identifier, wherein the first communication and the second communication convey data to perform the contactless data transaction between the transaction card and the terminal, and wherein the third identifier is transmitted to the terminal in the first communication.
A smart card system for performing contactless data transactions, the smart card system comprising a smart card frame and one or more transaction cards, wherein:
- each of the one or more transaction cards comprises:
- a first antenna and a first processor circuit, wherein the first processor circuit is configured to, via the first antenna, perform a first contactless data transaction with a terminal based on a first secure credential stored in and unique to that transaction card;
- and
- the smart card frame comprises:
- a flat sheet;
- a receptacle integrated in the flat sheet and configured to secure, enable removal of, and resecure each of the one or more transaction cards in the smart card frame;
- a second antenna;
- and
- a second processor circuit integrated in the flat sheet, wherein the second processor circuit is configured to, for each of the one or more transaction cards:
- generate a third secure credential based on a second secure credential stored in the smart card frame and based on the first secure credential, wherein the third secure credential is unique to a combination of the transaction card and the smart card frame;
- and
- perform a second contactless data transaction with the terminal based on the third secure credential.
A method of performing a contactless data transaction, comprising:
- receiving, via an antenna in a card frame, a first communication from a terminal;
- detecting, in response to the first communication, a presence of a transaction card in a receptacle integrated in the card frame;
- performing, by the card frame, a second communication with the transaction card;
- determining, based on the second communication, a first identifier unique to the transaction card;
- determining, a second identifier unique to the card frame;
- generating a third identifier based on the first identifier and the second identifier and
- performing, via the antenna and based on the third identifier, a third communication with the terminal, wherein the second communication and the third communication convey data between the transaction card and the terminal to perform the contactless data transaction.
Dependencies are inferred from the claim text.