# US 2024/0202684 A1 · System, method, and apparatus for reprogramming a transaction card

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- Number: US 2024/0202684 A1
- Document ID: US20240202684A1
- Status: Published application
- Kind: A1
- Application number: 18/593,048
- Filed: 2024-03-01
- Published: 2024-06-20
- Earliest claimed: 2014-12-22
- Assignees: Capital One Services, LLC
- Applicants: Capital One Services, LLC
- Inventors: Adam R. Koeppel
- Web page: https://patentgrep.com/patent/US20240202684A1

## CPC

- G06Q 20/105: {involving programming of a portable memory device, e.g. IC cards, "electronic purses"}
- G06Q 20/341: {Active cards, i.e. cards including their own processing means, e.g. including an IC or chip}
- G06Q 20/352: {Contactless payments by cards}
- G06Q 20/3552: {Downloading or loading of personalisation data}
- G06Q 20/40145: {Biometric identity checks}
- G06Q 20/409: {Device specific authentication in transaction processing}
- G07F 7/0846: {On-card display means}
- G07F 7/1008: {Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00})

## Abstract

A system for reprogramming a transaction card may include a reprogrammable microchip transaction card, an account provider system, and a mobile device. A reprogrammable transaction card may include an embedded microprocessor chip, or integrated circuit (IC), housing various modules to provide card capabilities, such as transaction capabilities, security capabilities, and reprogramming capabilities. An account provider system may include a number of servers and computers, each equipped with storage and modules programmed with various capabilities, such as, storing cardholder data, transaction processing, and/or transaction card reprogramming. A user device may include various hardware and software components, such as a Near Field Communication (NFC) hardware and software components, one or more processors, various input/output interfaces, and/or modules, such as transaction processing modules and transaction card resetting modules. Each component of the system may communicate with each other in order to reprogram the transaction card.

## Claims

### Claim 1

A system comprising:
a transaction card comprising:
one or more card antennas;
one or more card processors;
non-transitory card memory in communication with the one or more card processors and storing instructions that, when executed, cause the transaction card to:
receive, via at least one of the one or more card antennas, new transaction card data, the new transaction card data generated by a user device and to be used in completing transactions;
store the new transaction card data in the non-transitory card memory; and
transmit, via the at least one of the one or more card antennas, a response to the new transaction card data, the response confirming the use of the new transaction card data.

### Claim 2 (depends on 1)

The system of claim 1, further comprising:
the user device comprising:
one or more user device processors;
one or more user device antennas;
non-transitory device memory in communication with the one or more device processors and storing instructions that, when executed, cause the user device to:
generate the new transaction card data;
transmit, via at least one of the one or more user device antennas, the new transaction card data to the transaction card; and
receive, via the at least one of the one or more user device antennas, the response from the transaction card.

### Claim 3 (depends on 2)

The system of claim 2, wherein the one or more processors are further configured to:
receive one or more authentication factors from a user,
wherein:
the one or more authentication factors comprising a password, a personal identification number (PIN), a biometric identifier, or combinations thereof, and
the biometric identifier comprises facial recognition, voice recognition, a fingerprint, or combinations thereof.

### Claim 4 (depends on 1)

The system of claim 1, wherein the new transaction card data to be used in completing transactions allows for the transaction card to use the new transaction card data for Europay-MasterCard-Visa commercial transactions.

### Claim 5 (depends on 2)

The system of claim 2, wherein:
the one or more user device processors are configured to receive at least one of: a user-initiated notification or a third-party system initiated notification,
the user-initiated notification includes a notification received via the user device to reprogram the transaction card, and
the third-party system initiated notification comprises a fraudulent transaction notification from an account provider system, a declined transaction notification from a merchant system, an account expiration notification from the account provider system, a PIN change notification from the account provider system, or combinations thereof.

### Claim 6 (depends on 1)

The system of claim 1, wherein the new transaction card data comprises a new transaction card number, a new transaction card expiration date, a new transaction card authentication code, new transaction card display data, a new transaction card balance, a new transaction card spending limit, a new transaction card rate, or combinations thereof.

### Claim 7 (depends on 1)

The system of claim 1, wherein:
the at least one of the one or more card antennas are used to create a wireless connection, and
the wireless connection comprises an NFC connection.

### Claim 8 (depends on 2)

The system of claim 2, wherein the one or more device processors are further configured to:
transmit, via the at least one of the one or more user device antennas, first instructions to the transaction card to delete at least a portion of existing transaction card data securely stored in the non-transitory card memory of the transaction card; and
encrypt the first instructions to delete at least the portion of existing transaction card data securely stored in the non-transitory card memory of the transaction card.

### Claim 9 (depends on 8)

The system of claim 8, wherein the existing transaction card data comprises a transaction card number, a transaction card expiration date, a transaction card authentication code, transaction card display data, a transaction card balance, a transaction card spending limit, a transaction card rate, or combinations thereof.

### Claim 10 (depends on 2)

The system of claim 2, wherein the user device further comprises an input/output interface, and wherein the input/output interface comprises an embedded NFC chip.

### Claim 11 (depends on 2)

The system of claim 2, wherein the one or more user device processors are further configured to:
receive, at an input/output interface, one or more authentication factors from a user; and
determine that the one or more authentication factors match one or more stored authentication factors,
wherein transmitting the new transaction card data to the transaction card is in response to determining that the one or more authentication factors match the one or more stored authentication factors.

### Claim 12

A transaction card comprising:
one or more antennas;
one or more processors; and
non-transitory memory in communication with the one or more processors and storing instructions that, when executed, cause the transaction card to:
establish, via at least one of the one or more antennas, a wireless connection with a user device;
receive, via the wireless connection, new data and first instructions to store the new data, the new data being generated by the user device;
store the new data in the non-transitory memory based on the first instructions; and
transmit, via the wireless connection, a response to the user device, the response comprising a confirmation of storing the new data.

### Claim 13 (depends on 12)

The transaction card of claim 12, wherein the wireless connection comprises a near-field communication (NFC) connection.

### Claim 14 (depends on 12)

The transaction card of claim 12, wherein the new data comprises a transaction card number, a transaction card expiration date, a transaction card authentication code, transaction card display data, a transaction card balance, a transaction card spending limit, a transaction card rate, a cardholder name, or combinations thereof.

### Claim 15 (depends on 12)

The transaction card of claim 12, wherein the memory stores further instructions that cause the transaction card to delete at least a portion of stored data, the stored data comprising: a transaction card number, a transaction card expiration date, a transaction card authentication code, transaction card display data, a transaction card balance, a transaction card spending limit, a transaction card rate, or combinations thereof.

### Claim 16 (depends on 12)

The transaction card of claim 12, wherein:
the memory stores further instructions that cause the transaction card to encrypt data stored on the transaction card, including the new data, and
further comprising a display to display the new data.

### Claim 17 (depends on 12)

The transaction card of claim 12, wherein the transaction card encrypts the response.

### Claim 18

A transaction card comprising:
one or more antennas;
one or more processors; and
non-transitory memory in communication with the one or more processors and storing instructions that, when executed, cause the transaction card to:
receive, via at least one of the one or more antennas, new data generated by a user device and to be used by the transaction card in completing transactions;
process the new data using the one or more processors; and
transmit, via the at least one of the one or more antennas, a response to the user device confirming the use of the new data.

### Claim 19 (depends on 18)

The transaction card of claim 18, wherein processing the new data allows for the transaction card to use the new data to complete Europay-MasterCard-Visa commercial transactions.

### Claim 20 (depends on 18)

The transaction card of claim 18, wherein the one or more antennas receive and transmit using a near-field communication (NFC) connection.