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US 2025/0156844 A1Published application
Techniques to store and process data for transaction attempts by transaction cards
AssigneeCapital One Services, LLC
InventorJeffrey Rule
Life of this patent
Estimating the term…
Abstract
Embodiments may be generally directed to techniques and systems to detect errors and anomalies in contactless transaction processing. These systems may include transaction cards, point-of-sale (POS) terminals, and transaction processing systems.
Claims20
A transaction card, comprising:
- a plurality of interfaces;
- a processor;
- and
- a memory storing instructions which when executed by the processor, cause the processor to:
- detect, by a quality assurance applet executing on the processor, a transaction attempt via an interface of the plurality of interfaces;
- determine, by the quality assurance applet, data associated with the transaction attempt, the data comprising a timestamp associated with the transaction attempt, and an interface type of the interface on which the transaction attempt was detected;
- store, by the quality assurance applet, the data associated with the transaction attempt in the memory;
- detect, by the quality assurance applet, a read for the data by a computing device made via the interface of the plurality interfaces;
- generate, by the quality assurance applet, encrypted data from the data associated with the transaction attempt stored in the memory, the encrypted data generated based on a cryptographic algorithm, a customer identifier, and a private key;
- and
- provide, by the quality assurance applet, the encrypted data to the computing device via the interface on which the read was detected.
8 more elements
A transaction system comprising:
- a processor;
- storage comprising a data store;
- and
- a memory storing instructions which when executed by the processor, cause the processor to:
- receive, via an interface coupled with the processor, data associated with a plurality of transaction attempts performed with a transaction card associated with a user account, the data comprising entries associated with transaction attempts, each entry for each transaction attempt including a timestamp for a corresponding transaction attempt, and an interface type for the transaction attempt;
- store the data in the data store;
- determine interface information for one or more interfaces of the transaction card based on the data, the interface information to indicate anomalies and interface usage statistics associated with the one or more interfaces;
- and
- cause an action based on the interface information.
6 more elements
A computer-implemented method, comprising:
- detecting, by a quality assurance applet executing on a processor, a transaction attempt via one of a plurality of interfaces;
- receiving, by the quality assurance applet, data associated with the transaction attempt, the data comprising a timestamp associated with the transaction attempt, and an interface type of the one of the plurality of interfaces;
- storing, by the quality assurance applet, the data in a storage structure of a memory;
- detecting, by the quality assurance applet, a read for the data by a computing device made via a Near-Field Communication (NFC) interface of the plurality interfaces;
- encrypting, by the quality assurance applet, the data associated with the transaction attempt utilizing a cryptographic algorithm, a customer identifier, and a private key;
- and
- causing communication, by the quality assurance applet, of the data to the computing device via the NFC interface.
4 more elements
Dependencies are inferred from the claim text.