US 11,055,683 B1
Computer-based systems involving fingerprint or biometrically-activated transaction cards and methods of use thereof
Cara L. Bartholomew, Mechanicsville, VA (US); and Erin S. Smith, McLean, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Apr. 2, 2020, as Appl. No. 16/838,735.
Int. Cl. G06Q 20/20 (2012.01); G06K 19/07 (2006.01); G06K 19/077 (2006.01); G06Q 20/40 (2012.01); G06Q 20/34 (2012.01)
CPC G06Q 20/20 (2013.01) [G06K 19/0718 (2013.01); G06K 19/0723 (2013.01); G06K 19/07773 (2013.01); G06Q 20/34 (2013.01); G06Q 20/401 (2013.01)] 23 Claims
OG exemplary drawing
 
1. A transaction card comprised of a material, the transaction card comprising:
transaction circuitry embedded in the material, wherein the material forms the transaction card;
wherein the transaction circuitry is configured to conduct purchase transactions that involve:
i) a wireless computing device that is in wireless communication with the transaction card;
ii) an entity associated with each respective transaction; and
iii) a server associated with a provider of the transaction card;
at least one fingerprint sensor embedded in the material;
wherein the at least one fingerprint sensor comprises:
a first fingerprint sensor on a top surface of the card and positioned to receive a fingerprint of a finger that the user utilizes to hold the card when inserting the card into a point-of-sale (POS) device, wherein the top surface is a planar surface of the card that faces upward or toward the user when the card is inserted into the POS device;
wherein the first fingerprint sensor is: (i) positioned overlapping or adjacent a center axis of the card, and (ii) spaced along the center axis between a center point of the card and about 1/16 inch from a first end of the card opposite to a second end of the card that is inserted into the POS device; and
wherein the at least one fingerprint sensor is configured to:
i) detect at least one fingerprint of a respective transaction card user associated with the transaction card to generate a fingerprint input data; and
ii) provide the fingerprint input data to the transaction circuitry;
data storage embedded in the material;
wherein the data storage is configured to store fingerprint reference data;
wherein the fingerprint reference data comprises verified fingerprint data corresponding to at least one fingerprint of each respective authorized individual who is authorized to use the transaction card;
communication circuitry embedded in the material;
wherein the communication circuitry is coupled to the transaction circuitry;
wherein the communication circuitry comprises wireless communication circuitry, the wireless communication circuitry comprising Bluetooth circuitry for processing Bluetooth communications, wherein the Bluetooth circuitry comprises at least one Bluetooth antenna configured for Bluetooth low energy (BLE) communication; and
card control circuitry embedded in the material;
wherein the card control circuitry is operationally coupled to one or more of:
i) the transaction circuitry,
ii) the at least one fingerprint sensor, and
iii) the communication circuitry;
wherein the card control circuitry is configured to:
control one or both of the transaction circuitry and the communication circuitry based on a fingerprint verification that verifies based on the verified fingerprint data whether the at least one fingerprint of the respective transaction card user that has been detected by the at least one fingerprint sensor corresponds to the at least one fingerprint of a respective authorized individual; and
computer readable media, embedded in the material, storing instructions that, when executed by at least one processor, cause the card to perform operations comprising:
activating, upon verifying that the one or more fingerprints are valid, the card for purpose of completing transactions;
activating, when the card enters a proximal engagement with a point of sale terminal or a mobile device associated with the card user, the card control circuitry from a sleep mode in which a transaction capability is disabled; and
transmitting, when a purchase transaction is attempted to an online entity and the card is activated based on the fingerprint verification, information related to validation of the fingerprint verification to the online entity by at least one of the wireless communication circuitry, the wireless computing device, the server, and a mobile device associated with the card user.