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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 12456111 B1

PDFFull Text
Date of Patent:
Oct. 28, 2025

Filed:

Mar. 25, 2024

System, method, and apparatus for updating an existing dynamic transaction card

Applicant:

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

Inventors:

James Zarakas, Centreville, VA (US);

Adam Koeppel, 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:

Christle I Marshall

Int. Cl.
CPC ...
G06K 19/04 (2006.01); G06K 19/02 (2006.01); G06K 19/07 (2006.01); G06K 19/077 (2006.01); G06Q 20/04 (2012.01); G06Q 20/10 (2012.01); G06Q 20/32 (2012.01); G06Q 20/34 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); G07F 7/08 (2006.01); G09B 21/00 (2006.01);
U.S. Cl.
CPC ...
G06Q 20/353 (2013.01); G06K 19/02 (2013.01); G06K 19/045 (2013.01); G06K 19/0702 (2013.01); G06K 19/0704 (2013.01); G06K 19/0716 (2013.01); G06K 19/0717 (2013.01); G06K 19/0723 (2013.01); G06K 19/07705 (2013.01); G06K 19/07707 (2013.01); G06K 19/07722 (2013.01); G06K 19/07733 (2013.01); G06Q 20/04 (2013.01); G06Q 20/10 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/341 (2013.01); G06Q 20/352 (2013.01); G06Q 20/354 (2013.01); G06Q 20/3552 (2013.01); G06Q 20/3563 (2013.01); G06Q 20/3574 (2013.01); G06Q 20/3829 (2013.01); G06Q 20/4016 (2013.01); G06Q 20/405 (2013.01); G06Q 20/409 (2013.01); G07F 7/0833 (2013.01); G07F 7/0846 (2013.01); G09B 21/008 (2013.01);
Abstract

A system for securely updating an electronic transaction card held by an account holder with an additional account and/or account data is described. A dynamic transaction card may be securely updated with an additional account by using pre-stored shell data and/or inactive data, whereby the pre-stored shell data may be populated using data received from an issuer system and/or the inactive data may be activated via an activation signal received from a mobile device.

Find Patent Forward Citations

Zarakas, James. (2025). System, method, and apparatus for updating an existing dynamic transaction card (U.S. Patent No. 12456111). U.S. Patent and Trademark Office. https://idiyas.com/patent/badge/12456111

Data source: USPTO (United States Patent and Trademark Office) public patent records. Weekly synchronization. How IDiyas builds this profile

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