Title:
A SYSTEM, METHOD AND APPARATUS FOR REPROGRAMMING A TRANSACTION CARD
Document Type and Number:
WIPO Patent Application WO/2016/106277
Kind Code:
A3
Abstract:
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.
Inventors:
KOEPPEL ADAM R (US)
Application Number:
PCT/US2015/067268
Publication Date:
October 27, 2016
Filing Date:
December 22, 2015
Export Citation:
Assignee:
CAPITAL ONE SERVICES LLC (US)
International Classes:
G06Q20/30
Foreign References:
| US20120123937A1 | 2012-05-17 | |||
| US20010054148A1 | 2001-12-20 | |||
| US5332889A | 1994-07-26 | |||
| US5585787A | 1996-12-17 |
Other References:
See also references of EP 3238151A4
Attorney, Agent or Firm:
VIVARELLI, Daniel, G. et al. (2200 Pennsylvania Avenue N, Washington DC, US)
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