US 2022/0020030 A1Published application

Smart chip card with fraud alert and biometric reset

AssigneeThe Toronto-Dominion Bank

InventorsMilos Dunjic, Perry Aaron Jones Haldenby, Arthur Carroll Chow, Het Anand Patel, Casey Lyn Doyle, Yubing Liu, Anthony Haituyen Nguyen, David Samuel Tax, Arun Victor Jagga, John Jong-Suk Lee

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Abstract

The disclosure generally describes computer-implemented methods, software, and systems, including a method for placing a card into an alert state. An alert detection indication is received during an attempted data exchange using a permanent account number (PAN) associated with a card. The alert detection indication is received by an electronic controller embedded in the card and is received through an interface. The alert detection indication indicates that the PAN has an alert state identified for the PAN by an entity that issued the card. An operational mode of the card is modified into the alert state by the electronic controller and is based on receipt of the alert detection indication. An electronic display indicating that the card is in the alert state is displayed by the electronic controller.

An electronic card comprising:

a biometric sensor operable to read a biometric input of a cardholder of the electronic card, the biometric input associated with an attempted authentication by the cardholder, as an authorized user of the electronic card, wherein one or more authorized users are defined by an entity associated with the electronic card;
an electronic controller embedded in the electronic card and coupled to the biometric sensor, the electronic controller operable to:
receive, from the biometric sensor and via the electronic controller embedded in the electronic card at a time when the electronic card has an operational mode of an unusable state, the received biometric input of the cardholder, the unusable state of the electronic card being previously identified by the entity for a particular permanent account number (PAN) based on a fraud state associated with the particular PAN, wherein when the electronic card is in the unusable state the electronic card is unusable for further data exchanges and the particular PAN is invalidated for use in further transactions using the electronic card;
determine that the received biometric input matches a pre-loaded biometric profile stored on the electronic card, the pre-loaded biometric profile associated with a particular one of the one or more authorized users of the electronic card;
activate, based on the biometric input match, a new PAN for the electronic card, the new PAN usable in further transactions of the electronic card;
and
modify the operational mode of the electronic card to a usable state in which the electronic card is again usable for further data exchanges;
and
memory storing:
one or more PANs assigned to the electronic card;
and
one or more biometric profiles of at least a subset of the one or more authorized users authorized to use the electronic card;
and
one or more processors performing operations, using the memory, the operations including operations of the electronic controller and the electronic display.

11 more elements

Facts

Application

17/489,222Filed 29 Sep 2021

Priority

14 Jul 2017

Published

20 Jan 2022

Term ends

Not estimatedThe source records don’t support an estimate.

Classification13 codes

G06Q 20/40145
Identity check for transactions: biometric identity checks
G06K 7/0021
By galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers: for reading/sensing record…
G06K 19/07354
By activating or deactivating at least a part of the circuit on the record carrier, e.g. ON/OFF switches: by biometrically sensitive means, e.g.…
G06Q 20/341
Using cards, e.g. integrated circuit [IC] cards or magnetic cards: active cards, i.e. cards including their own processing means, e.g. including…

Abstract

Claims27