US 11,720,897 B2
Computer-based systems and methods configured for one or more technological applications for authorizing a credit card for use by a user
Christopher Camenares, McLean, VA (US); Joseph Boayue, McLean, VA (US); Ana Cruz, McLean, VA (US); Lee Adcock, McLean, VA (US); Nahid Farhady Ghalaty, McLean, VA (US); Vincent Pham, Champaign, IL (US); and Geeta Shyamala, McLean, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Dec. 30, 2021, as Appl. No. 17/565,645.
Application 17/565,645 is a continuation of application No. 16/717,557, filed on Dec. 17, 2019, granted, now 11,222,339, issued on Jan. 11, 2022.
Prior Publication US 2022/0122086 A1, Apr. 21, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/38 (2012.01); G06Q 20/34 (2012.01)
CPC G06Q 20/401 (2013.01) [G06Q 20/341 (2013.01); G06Q 20/382 (2013.01); G06Q 20/4015 (2020.05)] 20 Claims
OG exemplary drawing
 
1. A credit card, comprising:
a memory;
a location tracking circuitry that is configured to remotely communicate a location to a remote electronic recipient in a communication;
a communication circuitry that is configured to remotely communicate with a mobile device; and
at least one processor configured to:
receive over a communication network, an electronic request to pair with a mobile device associated with a user;
transmit over the communication network, the location to the remote electronic recipient;
wherein a server, the credit card, the remote electronic recipient, and the mobile device communicate over the communication network;
receive over the communication network, an instruction for the communication circuitry to pair with the mobile device when the credit card and the mobile device are within a predefined range that the credit card and the mobile device are able to pair;
receive over the communication network, an instruction to block transactions when the location of the credit card is outside of a predefined geographical area based on the communication between the location tracking circuitry and the remote electronic recipient;
receive over the communication network, an instruction to perform transactions when:
i) the location of the credit card is inside the predefined geographical area based on the communication between the location tracking circuitry and the remote electronic recipient, and
ii) the credit card is paired to the mobile device of the user; and
receive over the communication network, an instruction to make a determination that the location of the credit card is within the predefined geographical area when the communication circuitry loses communication with the server over the communication network, and
receive over the communication network, an instruction to remain activated to perform transactions when:
i) the credit card is within the predefined geographical area,
ii) the communication circuitry and the mobile device lose communication with the server over the communication network, and
iii) the communication circuitry and the mobile device remain paired within the predefined range.