US 11,783,330 B2
System and method for processing secure transactions using account-transferable transaction cards
Austin Walters, Savoy, IL (US); Vincent Pham, Champaign, IL (US); and Jeremy Goodsitt, Champaign, IL (US)
Assigned to CAPITAL ONE SERVICES, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Oct. 22, 2021, as Appl. No. 17/508,141.
Application 17/508,141 is a continuation of application No. 16/775,366, filed on Jan. 29, 2020, granted, now 11,182,786.
Prior Publication US 2022/0044236 A1, Feb. 10, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/38 (2012.01); G06Q 20/34 (2012.01)
CPC G06Q 20/3829 (2013.01) [G06Q 20/341 (2013.01); G06Q 20/389 (2013.01); G06Q 2220/00 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method for activating an account-variable transaction card provided by a card issuer, the account-variable transaction card having a card memory with a private card key and a public card key, the method comprising:
receiving, by a processing system of the card issuer from a first account holder device via the network, a request for activation of the account-variable transaction card, the first account holder device being associated with a first account and the request including a first software signature and a first hardware signature;
decrypting, by the processing system, the first software signature using a private personal key associated with the first account and the first hardware signature using the first private card key;
associating, by the processing system, the account-variable transaction card with the first account;
associating, by the processing system, an account function with the account-variable transaction card; and
initiating, by the processing system, an account blockchain associated with the first account and the account-variable transaction card by transmitting blockchain information comprising the first software and hardware signatures to one or more nodes of a distributed computing network.