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 transaction card comprising:
- a memory having instructions stored therein;
- and
- a processor circuit configured to execute the instructions, and based on execution of the instructions, to:
- determine that a mobile device is within a predetermined distance to the transaction card;
- perform, based on the determination that the mobile device is within the predetermined distance to the transaction card, a secure data transaction between the transaction card and a terminal;
- receive, from the terminal or the mobile device, a first credential associated with the mobile device;
- retrieve, from the memory, a second credential;
- generate a third credential based on the first credential and the second credential;
- and
- perform the secure data transaction further based on the first credential, the second credential, and the third credential.
A transaction card comprising:
- a memory having instructions stored therein;
- and
- a processor circuit configured to execute the instructions, and based on execution of the instructions, to:
- receive, from a terminal or a mobile device, a first credential associated with the mobile device;
- retrieve, from the memory, a second credential associated with the transaction card;
- perform, based on the first credential and the second credential, a secure data transaction between the transaction card and the terminal;
- and
- generate a third credential based on the first credential and the second credential, wherein the secure data transaction includes a transmission of the third credential from the transaction card to the terminal.
A method comprising:
- determining that a mobile device is within a predetermined distance to a transaction card;
- performing, based on the determining that the mobile device is within the predetermined distance, a secure data transaction between the transaction card and a terminal;
- receiving, by the transaction card from the terminal or the mobile device, a first credential associated with the mobile device;
- retrieving, from a memory in the transaction card, a second credential;
- generating a third credential based on the first credential and the second credential;
- and
- perform the secure data transaction further based on the first credential, the second credential, and the third credential.
Dependencies are inferred from the claim text.