US 12,321,921 B2
EMV secure chip communications
Molly Johnson, Alexandria, VA (US); James Zarakas, Centreville, VA (US); and Adam Vukich, Springfield, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Dec. 20, 2023, as Appl. No. 18/390,480.
Application 18/390,480 is a continuation of application No. 16/895,582, filed on Jun. 8, 2020, granted, now 11,900,357.
Prior Publication US 2024/0127219 A1, Apr. 18, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/00 (2023.01); G06Q 20/34 (2012.01); H04W 4/80 (2018.01); H04W 12/06 (2021.01); H04W 76/10 (2018.01)
CPC G06Q 20/341 (2013.01) [H04W 4/80 (2018.02); H04W 12/06 (2013.01); H04W 76/10 (2018.02)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method comprising:
providing, via an EuroPay-MasterCard-Visa (EMV) secure element of a dynamic transaction card, an interface between an EMV-compliant terminal and a user device associated with a user of the dynamic transaction card;
determining, by the dynamic transaction card, transaction information associated with a transaction to be communicated by the dynamic transaction card to the user device, wherein the transaction information is in a first format displayable via a standard interface of the EMV-compliant terminal;
converting, by the dynamic transaction card and based on an impairment setting associated with the user, the transaction information in the first format displayable via the standard interface into a second format compatible with the impairment setting, wherein the transaction information in the second format is displayable via an adapted interface of the user device;
sending, using a transceiver on the dynamic transaction card, the converted information to the user device; and
causing, by the dynamic transaction card, on a display of the user device and via the adapted interface compatible with the impairment setting, the converted information in a user understandable format.