发明申请
- 专利标题: SYSTEM, METHOD, AND APPARATUS FOR UPDATING AN EXISTING DYNAMIC TRANSACTION CARD
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申请号: US15392211申请日: 2016-12-28
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公开(公告)号: US20170109728A1公开(公告)日: 2017-04-20
- 发明人: James ZARAKAS , Adam KOEPPEL , Kevin KELLY , David WURMFELD
- 申请人: Capital One Services, LLC.
- 主分类号: G06Q20/34
- IPC分类号: G06Q20/34 ; G06K19/04 ; G06Q20/40 ; G06Q20/38
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.