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1. 发明公开

EP3238189A1 A SYSTEM, METHOD, AND APPARATUS FOR LOCATING A BLUETOOTH ENABLED TRANSACTION CARD 审中-公开
标题翻译：用于定位蓝牙启用交易卡的系统，方法和设备
公开(公告)号：EP3238189A1
公开(公告)日：2017-11-01
申请号：EP15874276.7
申请日：2015-12-22
申请人： Capital One Services, LLC
发明人： KOEPPEL, Adam, R.
IPC分类号： G08B1/08
CPC分类号： G06Q20/354 , G06K19/0739 , G06Q20/3224 , G06Q20/325 , G06Q20/327 , G08B21/0277
摘要： A system for transmitting and receiving proximity data associated with a transaction card may include a Bluetooth-enabled microchip transaction card, an account provider system, and a mobile device. When a user device and a card are paired, the user device may receive a notification when the card is outside of a specified distance from the user device. A user device may be connected to a Bluetooth mesh network, connecting the user device to a number of Bluetooth enabled devices such that when the transaction card is outside of a specified distance of the mesh network, the user device may receive an alert. When a user receives an alert that the card is outside of a specified distance from the user device, the user device may be used to relay to the user whether the user is moving in a direction closer or farther from the card.
摘要翻译：用于发送和接收与交易卡相关联的接近数据的系统可以包括具有蓝牙功能的微芯片交易卡，账户提供者系统和移动设备。当用户装置与卡配对时，当卡位于距离用户装置的指定距离之外时，用户装置可以接收通知。用户设备可以连接到蓝牙网状网络，将用户设备连接到多个蓝牙使能设备，使得当交易卡在网状网络的指定距离之外时，用户设备可以接收警报。当用户接收到该卡位于距离用户设备的指定距离之外的提醒时，用户设备可以用于向用户中继用户是否正在朝向离卡更近或更远的方向移动。

2. 发明公开

EP3238151A2 A SYSTEM, METHOD AND APPARATUS FOR REPROGRAMMING A TRANSACTION CARD 审中-公开
标题翻译：一种用于重新编制交易卡的系统，方法和设备
公开(公告)号：EP3238151A2
公开(公告)日：2017-11-01
申请号：EP15874278.3
申请日：2015-12-22
申请人： Capital One Services, LLC
发明人： KOEPPEL, Adam, R.
IPC分类号： G06Q20/30
CPC分类号： G06Q20/105 , G06Q20/341 , G06Q20/352 , G06Q20/3552 , G06Q20/40145 , G06Q20/409 , G07F7/0846 , G07F7/1008
摘要： 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.
摘要翻译：用于重新编程交易卡的系统可以包括可重新编程的微芯片交易卡，账户提供者系统和移动设备。可重新编程的交易卡可以包括嵌入式微处理器芯片或集成电路（IC），其容纳各种模块以提供卡能力，诸如交易能力，安全能力和重新编程能力。账户提供者系统可以包括多个服务器和计算机，每个服务器和计算机配备有存储器和以各种能力编程的模块，诸如存储持卡人数据，交易处理和/或交易卡重新编程。用户设备可以包括各种硬件和软件组件，诸如近场通信（NFC）硬件和软件组件，一个或多个处理器，各种输入/输出接口和/或模块，诸如交易处理模块和交易卡重置模块。系统的每个组件都可以相互通信以重新编程交易卡。

3. 发明公开

EP3284049A1 A SYSTEM, METHOD, AND APPARATUS FOR UPDATING AN EXISTING DYNAMIC TRANSACTION CARD 有权
标题翻译：用于更新现有动态交易卡的系统，方法和设备
公开(公告)号：EP3284049A1
公开(公告)日：2018-02-21
申请号：EP16780732.0
申请日：2016-04-14
申请人： Capital One Services, LLC
发明人： ZARAKAS, James , KOEPPEL, Adam, R. , KELLY, Kevin, P. , WURMFELD, David
IPC分类号： G06Q30/02 , G06Q99/00 , G06K1/12
CPC分类号： G06Q30/0601 , G06K19/06187 , G06K19/0704 , G06K19/07707 , G06Q20/32 , G06Q20/3278 , G06Q20/341 , G06Q20/354 , G06Q20/3552 , G06Q20/3572
摘要： A system for securely updating an electronic transaction card held by an account holder with an additional account and/or account data. 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 an issuer system. A backend server may determine, via a fraud determination, expiration determination, and/or user-request, that new account data should be transmitted to an account holder. The dynamic transaction card may receive the data associated with a notification, update a display, instruct an EMV applet to use a key associated with a received EMV key identifier for signatures, and/or update any additional data stored on the dynamic transaction card.

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