Techniques to generate and store characteristics of a signature on a transaction card circuit

A computing apparatus comprising:

• a processor;
• and
• a memory storing instructions that, when executed by the processor, cause the processor to:
• collect, from one or more point-of-sale systems, a plurality of instances of a signature associated with a previous transaction card of a banking account during previous transactions performed at the one or more point-of-sale systems with the previous transaction card;
• store the plurality of instances of the signature in a data store, each of the plurality of instances of the signature stored over a period of time and the previous transaction card having characteristics stored thereon corresponding to the signature;
• receive a request for a replacement transaction card to replace the transaction card for the banking account;
• apply a machine-learning algorithm to the plurality of instances of the signature in the data store to generate updated characteristics based on each instance of the signature, wherein the updated characteristics are updates for the characteristics on the previous transaction card associated with the banking account, wherein the signature is a handwritten signature and the updated characteristics include a reduced number of data points comprising locations of points of letters of the signature, space between the letters of the signature, spacing of the letters of the signature, a capture time of the signature, a pressure applied to capture of the signature, a degree of inclination of a writing instrument to capture the signature, or a combination thereof;
• and
• cause the updated characteristics of the signature to be written to a secure portion of a memory of the replacement transaction card.

A non-transitory computer-readable storage medium, the computer-readable storage medium including instructions that when executed by a processor, cause the processor to:

• collect, from one or more point-of-sale systems, a plurality of instances of a signature associated with a previous transaction card of a banking account during previous transactions performed at the one or more point-of-sale systems with the previous transaction card;
• store the plurality of instances of the signature in a data store, each of the plurality of instances of the signature stored over a period of time and the previous transaction card having characteristics stored thereon corresponding to the signature;
• receive a request for a replacement transaction card to replace the transaction card for the banking account;
• apply a machine-learning algorithm to the plurality of instances of the signature in the data store to generate updated characteristics based on each instance of the signature, wherein the updated characteristics are updates for the characteristics on the previous transaction card associated with the banking account;
• and
• cause the updated characteristics of the signature to be written to a secure portion of a memory of the replacement transaction card, wherein the signature is a handwritten signature and the updated characteristics include a reduced number of data points comprising locations of points of letters of the signature, space between the letters of the signature, spacing of the letters of the signature, a capture time of the signature, a pressure applied to capture of the signature, a degree of inclination of a writing instrument to capture the signature, or a combination thereof.