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US 2026/0111871 A1Published application
System, method, and apparatus for updating an existing dynamic transaction card
AssigneeCapital One Services, LLC
InventorsJames ZARAKAS, Adam KOEPPEL, Kevin KELLY, David WURMFELD
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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.
Claims1
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.
2 more elements
Dependencies are inferred from the claim text.