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The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Patent No.:

US 12243038 B1

PDFFull Text
Date of Patent:
Mar. 04, 2025

Filed:

Sep. 19, 2023

Smart card nfc secure money transfer

Applicant:

Capital One Services, Llc, McLean, VA (US);

Inventors:

Tyler Locke, Washington, DC (US);

Kevin Kelly, Austin, TX (US);

David Wurmfeld, Fairfax, VA (US);

Assignee:

CAPITAL ONE SERVICES, LLC, McLean, VA (US);

Attorneys:

TROUTMAN PEPPER LOCKE LLP

Christopher J. Forstner

John A. Morrissett

Primary Examiner:

Frantzy Poinvil

Int. Cl.
CPC ...
G06Q 20/20 (2012.01); G06F 21/34 (2013.01); G06Q 20/32 (2012.01); G06Q 20/34 (2012.01); G06Q 20/38 (2012.01); G06Q 30/06 (2023.01); G07F 7/08 (2006.01); G07F 7/10 (2006.01); H04B 5/72 (2024.01);
U.S. Cl.
CPC ...
G06Q 20/204 (2013.01); G06F 21/34 (2013.01); G06Q 20/20 (2013.01); G06Q 20/3221 (2013.01); G06Q 20/3223 (2013.01); G06Q 20/3226 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/341 (2013.01); G06Q 20/346 (2013.01); G06Q 20/352 (2013.01); G06Q 20/382 (2013.01); G06Q 30/06 (2013.01); G07F 7/084 (2013.01); G07F 7/0846 (2013.01); G07F 7/0866 (2013.01); G07F 7/1008 (2013.01); H04B 5/72 (2024.01);
Abstract

A secure method of real time money transferring between account holders utilizes Near Field Communication (NFC) technologies, dynamic transaction cards, and a mobile application to facilitate a seamless mobile transfer of funds. The dynamic transaction card of the customer requesting to make the transfer of funds may be placed in contact with the second recipient dynamic transaction card of the customer receiving the funds transfer to establish an NFC connection. The dynamic transaction card requesting the transfer may receive, via the NFC antenna on the card, the recipient customer account information stored on a passive NFC tag. The dynamic transaction card requesting the transfer may transmit the recipient account information to a mobile application, which may transmit the recipient account information to an account provider system for facilitating the funds transfer.

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