US 12,380,427 B2
Dynamically displaying contextual information on a smart card
James Zarakas, Centreville, VA (US); Molly Johnson, Alexandria, 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 Jun. 8, 2023, as Appl. No. 18/331,728.
Application 18/331,728 is a continuation of application No. 17/181,119, filed on Feb. 22, 2021, granted, now 11,734,671.
Prior Publication US 2023/0325808 A1, Oct. 12, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/00 (2023.01); G06K 19/07 (2006.01); G06N 5/02 (2023.01); G06Q 20/32 (2012.01); G06Q 20/34 (2012.01)
CPC G06Q 20/341 (2013.01) [G06K 19/0716 (2013.01); G06K 19/0723 (2013.01); G06N 5/02 (2013.01); G06Q 20/3224 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method for dynamically limiting and changing user information displayed on a smart card of a user based on location of the user, wherein the smart card comprises a display, a microcontroller, a memory, one or more antennas, and a sensor, wherein the display is configured to display user information stored in the memory, the method comprising:
determining, using the one or more antennas without communicating with a mobile device or other computing device of the user, a first geographic location of the smart card,
receiving, by the microcontroller from one of the memory on the smart card or a database in electronic communication with the smart card, user information comprising at least historical transactions of the user;
based on the first geographic location of the smart card, receiving, by the microcontroller, a first list of commercial establishments associated with the first geographic location;
determining, by the microcontroller and not the user, a first context by comparing the user information, which is stored in the memory of the smart card, to the first list of commercial establishments, wherein the first context comprises a type of establishment of a merchant or goods and services provided by the merchant;
selecting, by the microcontroller and not the user and based on the comparing the user information to the first list, a first subset of the user information stored in the memory, wherein the first subset of the user information is associated with the first context and is to be presented by the display on the smart card while the user information other than the first subset of the user information remains hidden and is not to be presented by the display, wherein the first subset of the user information represents a minimum amount of information necessary to complete a first transaction within the first context;
based on the sensor receiving an input and communicating with the microcontroller, displaying, by the microcontroller and on the display, for a limited time when the user is attempting to complete the first transaction at a transaction terminal, the selected first subset of the user information while the user information other than the first subset of the user information remains hidden, thereby improving the security of the smart card;
generating a prediction, by the microcontroller and based on the first geographic location and a predictive model generated by machine learning, of a second geographic location of the smart card;
based on the prediction of the second geographic location, receiving, by the microcontroller, a second list of commercial establishments associated with the second geographic location;
determining, by the microcontroller, a second context by comparing the user information, stored in the memory, to the second list of commercial establishments associated with the second geographic location, wherein the second context is different from the first context and the second context comprises the type of establishment of the merchant or goods and services provided by the merchant within the second context; and
selecting, by the microcontroller and based on the comparing the user information to the second list, a second subset of the user information stored in the memory, wherein the second subset of the user information is associated with the second context and is to be presented by the display on the smart card, wherein the second subset of the user information comprises information associated with performing a second transaction associated with the second context, wherein the selected second subset of the user information is dynamically updated relative to the first subset of the user information and is limited to a minimum amount of information necessary to complete the second transaction thereby improving the security of the smart card, the second subset of the user information comprising at least one of:
a first indication that the smart card is permitted to be used to purchase a first product type and a second product type within the second context;
a second indication that the smart card is permitted to be used to purchase the first product type and prohibited from being used to purchase the second product type within the second context; or
a third indication that the smart card is prohibited from being used to purchase the first product type and the second product type within the second context.