US 2024/0403858 A1Published application

Transaction token that stores and presents location-specific token identifiers

AssigneeCapital One Services, LLC

InventorsVarun Gupta, Amanda Sneider, Allison Fenichel

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Abstract

In certain embodiments, location-based activation of card identifiers may be facilitated. In some embodiments, an electrophoretic display card may store a set of location-specific card identifiers, where each card identifier of the set is associated with (i) an account of a user and (ii) creation location information indicating a device location of the user at a creation time of the card identifier. In response to being powered by a user device, the card may initiate wireless communication with the user device. The card may determine a device location of the user device, select a card identifier from the set of card identifiers that matches the device location, and switch a state of the card identifier to an active state to enable transaction processing for the card identifier. In some embodiments, the card may cause the active card identifier to be presented on an electrophoretic display of the card.

Claims20

Dependent claims

A system for generating and displaying location-specific card identifiers to access a resource at a corresponding location, the system comprising:

one or more processors;
and
a non-transitory computer-readable medium comprising instructions that, when executed by one or more processors, cause operations comprising:
presenting a location-specific card identifier creation user interface, on a wireless device associated with a user, comprising one or more graphical user interface elements related to generating location-specific card identifiers to access resources;
receiving, via the location-specific card identifier creation user interface, user selections of (i) first location information indicating a creation location at which the wireless device is located when the location-specific card identifier is generated, (ii) creation time information during which the location-specific card identifier is generated, and (iii) restriction information associated with an account of the user;
in response to receiving the user selections, generating a location-specific card identifier that corresponds to (i) the first location information, (ii) the creation time information, and (iii) the restriction information;
storing the location-specific card identifier;
and
subsequent to storing the location-specific card identifier, generating for display, the location-specific card identifier on a user interface of the wireless device, in response to detecting that (i) the wireless device is at a location matching the first location information and (ii) the location-specific card identifier satisfies a time threshold associated with the creation time, wherein the location-specific card identifier is used to access a first resource subsequent to being displayed.

6 more elements

One or more non-transitory computer-readable media comprising instructions that, when executed by one or more processors, cause operations comprising:

presenting a user interface, on a user device associated with a user, comprising one or more user interface elements associated with generating location-specific card identifiers;
obtaining, via user inputs on the user interface, (i) location information indicating a first location when the location-specific card identifier is generated, (ii) creation time information indicating a time at which the location-specific card identifier is generated;
in response to receiving the user inputs, generating a location-specific card identifier that corresponds to (i) the location information and (ii) the creation time information;
and
subsequent to storing the location-specific card identifier, generating for display, the location-specific card identifier on the user interface of the user device in response to detecting that the user device is at a location corresponding to the first location.

2 more elements

Dependencies are inferred from the claim text.

Facts

Application: 18/798,737Filed 8 Aug 2024
Priority: 5 Mar 2021
Published: 5 Dec 2024
Term ends: Not estimatedThe source records don’t support an estimate.

Classification14 codes

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…
G06Q 20/105
Specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems: involving programming of a portable…
G06Q 20/3224
Aspects of commerce using mobile devices [M-devices]: transactions dependent on location of M-devices
G06Q 20/3415
Active cards, i.e. cards including their own processing means, e.g. including an IC or chip: cards acting autonomously as pay-media

Family

Application17/193,874Continuation · filed 5 Mar 2021
Application18/312,093Division · filed 4 May 2023
Application18/798,737Division
Application18/312,093Continuation
US 11,663,580 B2Related patent
US 12,073,381 B2Related patent
US 2022/0284415 A1Published application
US 2023/0274255 A1Published application
US 2024/0403858 A1This patent

From the US filing history. Foreign family members aren’t listed.

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