System, method, and apparatus for updating an existing dynamic transaction card
AssigneeCapital One Services, LLC
InventorsJames Zarakas, Adam Koeppel, Kevin Kelly, David Wurmfeld
Life of this patent
Estimating the term…
Abstract
A system for securely updating an electronic transaction card held by an account holder with an additional account and/or account data is described. A dynamic transaction card may be securely updated with an additional account by using pre-stored shell data and/or inactive data, whereby the pre-stored shell data may be populated using data received from an issuer system and/or the inactive data may be activated via an activation signal received from a mobile device.
Claims20
A method for updating account information for a smart card, the method comprising:
- receiving, at a microprocessor of the smart card and via an antenna in communication with the microprocessor, new account data and an associated encryption key identifier from a mobile device, the new account data and the associated encryption key identifier provided by a backend system and relayed to the smart card via the mobile device;
- executing, via the microprocessor, a pre-loaded script to update account data with the new account data;
- associating, via the microprocessor, a pre-stored encryption key with the new account data using the associated encryption key identifier thereby creating updated account data;
- and
- transmitting an operation request associated with the updated account data, wherein the operation request is encrypted with the pre-stored encryption key.
A smart card comprising:
- an antenna;
- a microprocessor;
- and
- a memory storing instructions that, when executed by the microprocessor, causes the smart card to:
- receive, at the microprocessor and via the antenna, new account data and an associated encryption key identifier from a mobile device, the new account data and the associated encryption key identifier provided by a backend system and relayed to the smart card via the mobile device;
- execute a pre-loaded script to update account data with the new account data;
- associate a pre-stored encryption key with the new account data using the associated encryption key identifier thereby creating updated account data;
- and
- transmit an operation request associated with the updated account data, wherein the operation request is encrypted with the pre-stored encryption key.
A mobile device comprising:
- an antenna;
- a microprocessor;
- and
- a memory storing instructions that, when executed by the microprocessor, causes the mobile device to:
- receive, from a backend system, a notification identifying a usage event for a smart card using initial card data associated with the smart card, the usage event indicating that a change in the initial card data is needed;
- receive an indication of a request to receive new card data for the smart card;
- receive the new card data and an encryption key from the backend system;
- pair, via the antenna, with the smart card;
- transmit the new card data and the encryption key to the smart card;
- receive, from the smart card, a confirmation of a successful account update on the smart card using the new card data;
- and
- transmit, to the backend system, an indication of the confirmation to activate a new account associated with the new card data.
Dependencies are inferred from the claim text.