Transaction card assembly
AssigneeCapital One Services, LLC
InventorsPhoebe Atkins, Vyjayanthi Vadrevu, Michael Saia
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 card frame for performing a data transaction between a transaction card and a terminal, the card frame comprising:
- a flat sheet;
- a receptacle integrated in the flat sheet and configured to secure the transaction card in the card frame;
- an antenna integrated in the flat sheet;
- and
- a processor circuit integrated in the flat sheet, wherein the processor circuit is configured to:
- receive a credential from the transaction card;
- authenticate the transaction card based on the credential;
- perform a first communication between the card frame and the terminal;
- and
- perform, via the antenna, a second communication between the card frame and the transaction card when the transaction card is secured in the receptacle, wherein the first communication and the second communication convey data to perform the data transaction between the transaction card and the terminal.
A card frame for performing a data transaction with a terminal, the card frame comprising:
- a receptacle;
- a first antenna configured to wirelessly convey information between the card frame and a transaction card secured in the receptacle;
- a second antenna configured to communicate with the terminal;
- and
- a processor circuit configured to perform the data transaction, via the second antenna, with the terminal based on the information.
A card frame for performing a data transaction with a terminal, the card frame comprising:
- a receptacle;
- an antenna configured to wirelessly convey information between the card frame and a transaction card secured in the receptacle;
- and
- a processor circuit configured to:
- authenticate a credential received in the information;
- and
- perform the data transaction with the terminal based on authentication of the credential.
Dependencies are inferred from the claim text.