US 12,333,539 B2
Card for secure interactions by utilizing multiple card credentials
Joshua Edwards, Philadelphia, PA (US); Alice Hong, McLean, VA (US); and Michael Mossoba, Great Falls, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Apr. 21, 2022, as Appl. No. 17/660,110.
Prior Publication US 2023/0342777 A1, Oct. 26, 2023
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/10 (2012.01); G06Q 20/32 (2012.01); G06Q 20/34 (2012.01)
CPC G06Q 20/4012 (2013.01) [G06Q 20/1085 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/341 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A card for secure interactions with register devices by utilizing multiple card credentials, the card comprising:
an integrated circuit (IC) chip;
a near field communication (NFC) component;
one or more memories storing a permanent card credential and the multiple card credentials, wherein each of the multiple card credentials is associated with a same account of a user associated with the card,
wherein the multiple card credentials include a primary account number; and
one or more processors, coupled to the one or more memories, configured to:
use the multiple card credentials or the permanent card credential based on determining whether an NFC technique or another communication technique is being used to communicate with a first terminal of a first register device,
wherein the one or more processors, to use the multiple card credentials or the permanent card credential, are configured to:
detect, via the NFC component, that the card is within a communicative proximity of the first terminal; and
determine, based on detecting via the NFC component that the card is within the communicative proximity of the first terminal, to use the multiple card credentials;
identify, via the IC chip and based on determining to use the multiple card credentials, a first card credential, from the multiple card credentials, to be used for a first interaction with the first register device based on at least one of:
a timestamp associated with the first card credential that indicates an amount of time for which the first card credential is valid, or
an incremental counter maintained by the IC chip that indicates a next card credential, from the multiple card credentials, that is to be used; and
transmit, via the NFC component, the first card credential to enable the first interaction with the first register device to be initiated.