Transaction Card Assembly
AssigneeCapital One Services, LLC
InventorsPhoebe Atkins, Vyjayanthi Vadrevu, Michael Saia
Life of this patent
Estimating the term…
Abstract
A modular transaction card assembly includes a card frame having the traditional dimensions of a credit card, and a transaction card that is smaller than a traditional card and that fits into a receptacle of the card frame. Each of the card frame and the transaction card may be capable of performing contactless data transactions individually. The combined assembly of the card frame with the transaction card secured in the receptacle is also capable of performing contact data transactions, and in some instances, with an identifier that is distinct from the card frame or the transaction card alone. The card frame may include a processor enabling it to perform data encryption and authentication of the smaller transaction card.
Claims20
A card assembly comprising:
- a card comprising:
- a first antenna configured to exchange signals via short-range wireless communication protocol;
- and
- a computer chip configured to perform a first wireless data transaction with a terminal via the first antenna while the card is not secured in a frame;
- the frame comprising:
- a receptacle configured to secure the card;
- and
- a second antenna configured to exchange signals via short-range wireless communication protocol,
- wherein, while the card is secured in the receptacle, the computer chip is communicatively coupled to the second antenna in the frame and configured to perform a second wireless data transaction with the terminal via the second antenna.
A card assembly comprising:
- a card comprising:
- a computer chip;
- and
- a frame comprising:
- a flat sheet;
- a receptacle configured to secure a card;
- an antenna integrated in the flat sheet for exchanging signals via short-range wireless communication protocol;
- and
- the card comprising:
- a computer chip configured to, while the card is secured in the receptacle, be coupled to the antenna and perform a data transaction with a terminal via the antenna;
- and
- a processor circuit integrated in the flat sheet, wherein the processor circuit is configured to:
- receive, via the antenna, a first short-range wireless communication from the terminal indicating a data transaction;
- receive, while the card is secured in the receptacle, a credential from the card;
- authenticate the card based on the credential;
- perform via the antenna, while the card is secured in the receptacle and based on the credential being authenticated, a second short-range wireless communication between the card and the terminal;
- and
- complete, via the antenna, a data transaction between the card and the terminal, wherein the first short-range wireless communication and the second short-range wireless communication convey data to perform the data transaction.
A method of performing a contactless data transaction, comprising:
- receiving, via an antenna in a frame, a first short-range wireless communication from a terminal indicating a data transaction;
- detecting, in response to the first short-range wireless communication, a card secured in a receptacle integrated in the frame;
- receiving, while the card is secured in the receptacle, a first credential from the card;
- authenticating the card based on the first credential;
- retrieving, from a memory of the frame, a second credential associated with the frame;
- confirming, based on the second credential, that the card is authorized for use with the frame;
- performing, based on the first credential being authenticated and the second credential being authorized for use with the frame, a second short-range wireless communication between the card and the terminal;
- and
- completing, via the antenna, a data transaction between the card and the terminal, wherein the first short-range wireless communication and the second short-range wireless communication convey data to perform the data transaction.
Dependencies are inferred from the claim text.