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1. 发明申请

WO2016168438A1 A SYSTEM, METHOD, AND APPARATUS FOR UPDATING AN EXISTING DYNAMIC TRANSACTION CARD 审中-公开
标题翻译：用于更新现有动态交易卡的系统，方法和装置
公开(公告)号：WO2016168438A1
公开(公告)日：2016-10-20
申请号：PCT/US2016/027494
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.
摘要翻译：一种用于由帐户持有人持有的电子交易卡安全地更新附加帐户和/或帐户数据的系统。通过使用预先存储的shell数据和/或非活动数据，动态交易卡可以通过附加帐户被安全地更新，由此可以使用从发行者系统接收的数据填充预存储的外壳数据和/或非活动数据可以是通过从发行者系统接收的激活信号激活。后端服务器可以通过欺诈判定确定到期确定和/或用户请求，将新的账户数据发送到账户持有者。动态交易卡可以接收与通知相关联的数据，更新显示器，指示EMV小应用程序使用与所接收的EMV密钥标识符相关联的密钥进行签名，和/或更新存储在动态交易卡上的任何附加数据。

2. 发明申请

WO2016106277A2 A SYSTEM, METHOD AND APPARATUS FOR REPROGRAMMING A TRANSACTION CARD 审中-公开
标题翻译：用于转交交易卡的系统，方法和装置
公开(公告)号：WO2016106277A2
公开(公告)日：2016-06-30
申请号：PCT/US2015/067268
申请日：2015-12-22
申请人： CAPITAL ONE SERVICES, LLC.
发明人： KOEPPEL, Adam, R.
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编程的微芯片交易卡，帐户提供者系统和移动设备。可再编程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功能，诸如交易能力，安全能力和重新编程能力。帐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都配备存储器和具有各种能力的模块，例如存储持卡人数据，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，诸如事务处理模块和事务卡重置模块。系统的每个组件可以彼此通信，以便重新编程交易卡。

3. 发明申请

WO2016106271A1 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，方法和装置
公开(公告)号：WO2016106271A1
公开(公告)日：2016-06-30
申请号：PCT/US2015/067259
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度数据的系统可以包括支持蓝牙的微芯片交易卡，帐户提供者系统和移动设备。当用户设备和卡配对时，用户设备可以在该卡位于与用户设备的指定距离之外时接收通知。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启用蓝牙的设备，使得当交易卡在网格网络的指定距离之外时，用户设备可以接收警报。当用户接收到卡从用户设备指定的距离之外的警报时，用户设备可以用于中继给用户，无论用户是在距离该卡更近或更远的方向上移动的。

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