US 12,093,925 B1
Smart payment card, and computing systems and methods for configuring smart payment card and processing transactions involving smart payment card
Sanjeev Singla, Novi, MI (US); Shriprakash Adikumar Band, Rolling Meadows, IL (US); and Bharanicharan Malli Sathyamoorthy, Naperville, IL (US)
Assigned to Discover Financial Services, Riverwoods, IL (US)
Filed by Discover Financial Services, Riverwoods, IL (US)
Filed on Apr. 25, 2023, as Appl. No. 18/306,850.
Int. Cl. G06Q 20/00 (2012.01); G06K 19/07 (2006.01); G06K 19/077 (2006.01); G06Q 20/32 (2012.01); G06Q 20/34 (2012.01); G06Q 20/40 (2012.01); G06V 40/12 (2022.01)
CPC G06Q 20/341 (2013.01) [G06K 19/0718 (2013.01); G06K 19/07707 (2013.01); G06Q 20/322 (2013.01); G06Q 20/40145 (2013.01); G06V 40/1365 (2022.01)] 20 Claims
OG exemplary drawing
 
1. A computing system comprising:
at least one processor;
at least one non-transitory computer-readable medium; and
program instructions stored on the at least one non-transitory computer-readable medium that are executable by the at least one processor such that the computing system is configured to:
provision a smart payment card with (i) identifying information for at least one financial account associated with a card member, and (ii) a respective set of virtual account numbers corresponding to each financial account;
detect, via a biometric sensor of a smart payment card, one or more biometric inputs collectively indicating a request to process a financial transaction using a given financial account that has been provisioned on the smart payment card;
perform an authentication of the one or more biometric inputs based on previously captured biometric data of the card member; and
based on a successful authentication of the one or more biometric inputs:
if the financial transaction is a card-present transaction, cause identifying information for the given financial account to be transmitted to a point-of-sale device; and
if the financial transaction is a card-not-present transaction, cause a first virtual account number from the respective set of virtual account numbers corresponding to the given financial account to be presented via a display of the smart payment card.