US 12,243,038 B2
Smart card NFC secure money transfer
Tyler Locke, Washington, DC (US); Kevin Kelly, Austin, TX (US); and David Wurmfeld, Fairfax, VA (US)
Assigned to CAPITAL ONE SERVICES, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Sep. 19, 2023, as Appl. No. 18/470,371.
Application 18/470,371 is a continuation of application No. 17/402,687, filed on Aug. 16, 2021, granted, now 11,803,832.
Application 17/402,687 is a continuation of application No. 16/450,350, filed on Jun. 24, 2019, granted, now 11,093,923, issued on Aug. 17, 2021.
Application 16/450,350 is a continuation of application No. 15/663,083, filed on Jul. 28, 2017, granted, now 10,373,146, issued on Aug. 6, 2019.
Claims priority of provisional application 62/440,132, filed on Dec. 29, 2016.
Prior Publication US 2024/0029043 A1, Jan. 25, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/20 (2012.01); G06F 21/34 (2013.01); G06Q 20/32 (2012.01); G06Q 20/34 (2012.01); G06Q 20/38 (2012.01); G06Q 30/06 (2023.01); G07F 7/08 (2006.01); G07F 7/10 (2006.01); H04B 5/72 (2024.01)
CPC G06Q 20/204 (2013.01) [G06F 21/34 (2013.01); G06Q 20/20 (2013.01); G06Q 20/3221 (2013.01); G06Q 20/3223 (2013.01); G06Q 20/3226 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/341 (2013.01); G06Q 20/346 (2013.01); G06Q 20/352 (2013.01); G06Q 20/382 (2013.01); G06Q 30/06 (2013.01); G07F 7/084 (2013.01); G07F 7/0846 (2013.01); G07F 7/0866 (2013.01); G07F 7/1008 (2013.01); H04B 5/72 (2024.01)] 20 Claims
OG exemplary drawing
 
1. A user device, comprising:
one or more processors; and
a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the user device to:
receive a request to transfer funds from a first account associated with a first dynamic transaction card to a second recipient account associated with a second recipient dynamic transaction card;
transmit, via a short-range wireless communication network protocol, the request to the first dynamic transaction card;
receive second recipient account information associated with the second recipient dynamic transaction card;
retrieve a private key from the first dynamic transaction card;
encrypt the second recipient account information using the private key to create a second recipient account information token; and
transmit the second recipient account information token to an account provider system over a wireless communication protocol to facilitate the transfer of the funds from the first account to the second recipient account when the second recipient account information token has not expired.