US 20180181956A1 ( 19) United States (12 ) Patent Application Publication ( 10) Pub . No. : US 2018 /0181956 A1 ZARAKAS et al. ( 43 ) Pub . Date : Jun . 28 , 2018 (54 ) SMART CARD SECURE ONLINE CHECKOUT (52 ) CPCU .S . CI...... G060 20 / 3829 (2013 .01 ) ; G060 20 /327 (2013 .01 ) ; G06Q 20 / 325 (2013 .01 ) ; G06F (71 ) Applicant: Capital One Services , LLC , McLean , 17 /30864 (2013 .01 ) ; G06Q 20 /341 ( 2013 .01 ) ; VA (US ) G06Q 20 / 3278 ( 2013 .01 ) ; G06Q 20 /401 ( 2013 . 01 ) (72 ) Inventors : James ZARAKAS , Centerville , VA (US ) ; Mohamed Firoze LAFEER , Fairfax , VA (US ) ; Molly JOHNSON , (57 ) ABSTRACT Alexandria , VA (US ) ; Saleem SANGI, Ellicott City, MD (US ) ; Kevin KELLY , Wireless communication technologies , a dynamic transac Austin , TX (US ) ; Adam KOEPPEL , tion card , and a mobile application may be utilized to Washington , DC (US ) facilitate multi - factor authentication and secure electronic checkout of any website . A wireless connection between a ( 21 ) Appl. No. : 15 /708 ,619 dynamic transaction card and a user device may be utilized Sep . 19 , 2017 to authenticate a user. A user device application may be ( 22 ) Filed : triggered to call , via an application programming interface Related U . S . Application Data ( API) , an account provider system , and this unique pairing may automatically facilitate payment to a merchant system (60 ) Provisional application No . 62/ 439 , 594, filed on Dec . associated with the electronic check out page . The account 28 , 2016 . provider system may send a push notification to a browser extension associated with the checkout page to prompt the Publication Classification browser extension to populate fields on the electronic check (51 ) Int. Cl. out page using user account information transmitted from G060 20 / 38 ( 2006 . 01 ) the account provider system , providing a novel digital G06Q 20 / 32 ( 2006 . 01 ) authentication framework that utilizes digital authentication G06Q 20 /40 (2006 . 01 ) techniques enables by user devices and dynamic transaction G06Q 20 / 34 (2006 . 01 ) cards to seamlessly facilitate electronic checkout.

100

DYNAMIC TRANSACTION CARD ACCOUNT PROVIDER SYSTEM 120 NPUT OUTPUT TRANSACTION - 122 DEVICE SYSTEM 132 134

124 DYNAMIC CARD DATA STORAGE SYSTEM 138 126

NETWORK

wwwwwwwwwwwwwwwww USER DEVICE MERCHANT SYSTEM

. 140

. 150

"!

" INPUT /OUTPUT DYNAMIC CARD " DEVICE SYSTEM TERMINAL TERMINAL 442 144 152 154 SAW

* TRANSACTION ! SYSTEM APPLICATION DATA STORAGE ! 146 148 156 .

. - - - - -

. Patent Application Publication Jun . 28 , 2018 Sheet 1 of 6 US 2018 /0181956 A1

100

DYNAMIC TRANSACTION CARD ACCOUNT PROVIDER SYSTEM 120 130 INPUT/ OUTPUT TRANSACTION + 122 DEVICE SYSTEM 132 134 DYNAMIC CARD SYSTEM DATA STORAGE 136 138 126

NETWORK 110

USER DEVICE MERCHANT SYSTEM 140 150 INPUT /OUTPUT DYNAMIC CARD DEVICE SYSTEM TERMINAL TERMINAL 142 144 152 154 TRANSACTION SYSTEM APPLICATION DATA STORAGE ?????????? 146 148 156

FIGURE 1 Patent Application Publication Jun . 28 , 2018 Sheet 2 of 6 US 2018 /0181956 A1

200

USER DEVICEVIL 202

NETWORK 204 206

LOAD WEB BALANCER (S ) ( S ) 208 210

------212

LOAD APPLICATION BALANCER ( S ) SERVER ( S ) 214 216

------

BACKEND 218

FIGURE 2 Patent Application Publication Jun . 28 , 2018 Sheet 3 of 6 US 2018 /0181956 A1

300

318 (sensor ) 310 amesema

316 (display ) $143LEFT

312 (microchip ) 314 ( antenna)

330

set /Verizon 30 12 : 44 PM SA50s Loui DA yutu Bank Accounts Redeem Rewards wohie Payments

} 320 Cli ( 3 ; Coupon Offers Ciad Us TIETOTUTTGEGUT MAMAMAMAMAMARAAMAMAMARARAMA{ ? ? Lepase & Check we 16 Notifications

Www FIGURE 3 Patent Application Publication Jun . 28 , 2018 Sheet 4 of 6 US 2018 /0181956 A1

400

MERCHANT 404

CARDHOLDER PAYMENT 402 1 N GATEWAY 406 408

401A 403A - * 4215 4335 415A 4054 ACQUIRER 410 -- 4235 BACKEND FRONT - END PROCESSOR PROCESSOR 414 412

425S 4315 413A 407A ASSOCIATION INTERCHANGE 416

4275 -

4295 411A - 409A CARD ISSUER 418

FIGURE 4 Patent Application Publication Jun . 28 , 2018 Sheet 5 of 6 US 2018 /0181956 A1

S START 502

CUSTOMER LOGS IN TO BROWSER EXTENSION ENSION 504

DYNAMIC TRANSACTION CARD PAIRSWITH USER DEVICE 506 et

508 CUSTOMER APPLICATION NO IDENTIFIES* CHECKOUT PAGE FIELDS ? 510

YES

CUSTOMER APPLICATION DISPLAYS NOTICE ON USER DEVICE 512

514 CUSTOMER AUTHENTICATED VIAVIA NO DYNAMIC TRANSACTION CARD ACTIVATION AND PAIRING ? 516

YES CUSTOMER APPLICATION CALLS ACCOUNT PROVIDER SYSTEM 518 ACCOUNT PROVIDER SYSTEMS SENDS PUSH NOTIFICATION TO BROWSER EXTENSION 520

www . 1 - - - BROWSER EXTENSION POPULATES CHECKOUT FIELDS WITH CUSTOMER INFORMATION 522

ENDnEND 524524 FIGURE 5 Patent Application Publication Jun . 28 , 2018 Sheet 6 of 6 US 2018 /0181956 A1

??? START 602

CUSTOMER LOGS IN TO BROWSER EXTENSION 604

DYNAMIC TRANSACTION CARD PAIRS WITH USER DEVICE 606

608 CUSTOMER APPLICATION IDENTIFIES CHECKOUT PAGE NO- END FIELDS ? 010

YES 612 CUSTOMER AUTHENTICATED VIA NO DYNAMIC TRANSACTION CARD END ACTIVATION AND PAIRING ? 614

YES

DYNAMIC TRANSACTION CARD TRANSMITS CUSTOMER INFORMATION TO BROWSER EXTENSION 616

-

BROWSER EXTENSION POPULATES CHECKOUT FIELDS WITH -

CUSTOMER INFORMATION -

ENDEND I 620 FIGURE 6 US 2018 /0181956 A1 Jun . 28 , 2018

SMART CARD SECURE ONLINE secure memory chip , a microprocessor, and an application CHECKOUT processor that may store a dynamic transaction card appli cation . The dynamic transaction card application when CROSS REFERENCE TO RELATED executed may cause the dynamic transaction card to receive , APPLICATION via a short range wireless communication network , which may be a Bluetooth or Bluetooth Low Energy ( BLE ) net [0001 ] The subject application claims the benefit of U . S . work , a connection attempt, from a user device application Provisional Patent Application No. 62 /439 ,594 , filed on executed on a user device , and to create a short range Dec . 28 , 2016 , the contents of which are hereby incorporated wireless communication connection , which may be a Blu by reference in their entireties . etooth or BLE connection , between the dynamic transaction card and the user device . Upon authentication of the user FIELD OF THE DISCLOSURE based on evaluation of the connection between the dynamic [0002 ] The present disclosure relates to a dynamic trans transaction card and the user device , log in credentials of the action card , and systems and methods relating to the user wherein the user has logged in to a browser extension dynamic transaction card . A secure method of facilitating associated with an electronic checkout page , and user infor multi- factor authentication and secure electronic checkout mation stored in a digital security delivery storage , the user of any website utilizes wireless communication technolo device application may be triggered to call, via an applica gies, a dynamic transaction card , and a mobile application . tion programming interface (API ) coupled to a communi cation interface that communicates with the dynamic trans BACKGROUND OF THE DISCLOSURE action card and user device via a network , an account [0003 ] Online shopping poses great security concerns. provider system . Completing an online shopping transaction requires access [ 0009] As such , this unique pairing of the dynamic trans ing and transmitting substantial sensitive customer informa action card and user application may automatically facilitate tion between customers and merchants . Current malware payment to a merchant system associated with the electronic and phishing attacks attempt to and on occasion succeed in check out page . Upon triggering the user device application accessing this sensitive account information , causing sig to call the account provider system , the account provider nificant financial harm to customers , merchants , and finan system may send a push notification to the browser exten cial institutions . sion to prompt the browser extension to populate fields on [ 0004 ] Also , using existing systems, customers need to the electronic checkout page using user account information manually provide customer and payment information to transmitted from the account provider system . Thus the complete online shopping transactions . Additionally , a user dynamic transaction card , systems supporting the dynamic may need to log in to a browser extension for each trans transaction card , and methods for operating the dynamic action . Not only is this burdensome and time- consuming for transaction card described herein provide a novel digital customers, but it also leads to the possibility of a failed authentication framework that utilizes digital authentication transfer due to the entering of incorrect customer informa techniques enables by user devices and dynamic transaction tion , which is a likely occurrence when such information is cards to seamlessly facilitate electronic checkout. entered manually . As such , there is a need for a faster , easier and more secure online payment checkout process . [ 0005 ] These and other drawbacks exist . BRIEF DESCRIPTION OF THE DRAWINGS [0010 ] Various embodiments of the present disclosure , SUMMARY OF THE DISCLOSURE together with further objects and advantages , may best be [0006 ] Various embodiments of the present disclosure understood by reference to the following description taken provide a dynamic transaction card , systems supporting a in conjunction with the accompanying drawings, in the dynamic transaction card , and methods for operating a several Figures of which like reference numerals identify dynamic transaction card . Specifically, wireless communi like elements , and in which : cation technologies in combination with a mobile applica [0011 ] FIG . 1 depicts an example embodiment of a system tion and a dynamic transaction card are utilized to pair a including a dynamic transaction card according to embodi mobile application and a dynamic transaction card to facili tate multi -factor authentication and secure electronic check ments of the disclosure ; out of any website . [0012 ] FIG . 2 depicts an example embodiment of a system [ 0007 ]. As referred to herein , a dynamic transaction card including dynamic transaction card according to embodi may be understood to be a transaction card that may include ments of the disclosure ; a number of accounts that may be activated and / or deacti [0013 ] FIG . 3 depicts an example card - device linking vated by an account holder and / or account provider, data system according to embodiments of the disclosure; storage that may be updated to reflect real- time and /or [0014 ] FIG . 4 depicts an example embodiment of a system on - demand account and / or transaction data , and / or display including a dynamic transaction card according to embodi components to display the updated account and / or transac tion data . A dynamic transaction card may be understood to ments of the disclosure ; be activated (e .g . , turned on ) and /or deactivated ( e .g ., turned [ 0015 ] FIG . 5 depicts an example method for using a off ) based on input received at the dynamic transaction card dynamic transaction card according to embodiments of the as described herein . disclosure ; and [ 0008 ] A dynamic transaction card may be a smart card , [0016 ] FIG . 6 depicts an example method for using a which may be utilized to facilitate a secure electronic dynamic transaction card according to embodiments of the checkout. The dynamic transaction card may include a disclosure . US 2018 /0181956 A1 Jun . 28 , 2018

DETAILED DESCRIPTION OF THE the benefit of U . S . Provisional Application No . 61 /570 ,275 EMBODIMENTS filed Dec . 13 , 2011 , which claims the benefit of U . S . [0017 ] The entire contents of the following applications Provisional Application No . 61 /547 , 910 filed Oct. 17 , 2011 . are incorporated herein by reference : U . S . Patent Publication [0018 ] The following description is intended to convey a No . 2016 -0307189 , entitled “ System ,Method and Apparatus thorough understanding of the embodiments described by for a Dynamic Transaction Card ” filed Apr. 14 , 2016 , which providing a number of specific example embodiments and claims the benefit of U . S . Provisional Application No . details involving a dynamic transaction card and systems 62 / 147 , 568 filed Apr. 14 , 2015 and U . S . Provisional Appli and methods for using a dynamic transaction card to utilize cation No . 62 /720 ,669 filed Dec . 22 , 2015 ; U . S . Patent wireless communication technologies , a dynamic transac Publication No. 2016 - 0307089 , entitled “ System , Method , tion card , and a mobile application to facilitate multi - factor and Apparatus for a Dynamic Transaction Card ” filed Apr. authentication and secure electronic checkout of any web 14 , 2016 , which claims the benefit of U . S . Provisional site . Application No . 62 /270 ,669 filed Dec . 22 , 2015 and U . S . [00191 . It should be appreciated , however, that the present Provisional Application No . 62 / 147 ,568 filed Apr . 14 , 2015 ; disclosure is not limited to these specific embodiments and U . S . Patent Publication No. 2016 -0308371 entitled details , which are examples only . It is further understood that " Dynamic Transaction Card Power Management” filed Apr. one possessing ordinary skill in the art , in light of known 14 , 2016 , which claims the benefit of U . S . Provisional systems and methods , would appreciate the use of the Application No . 62 / 147 , 568 filed Apr. 14 , 2015 , U . S . Pro invention for its intended purposes and benefits in any visional Application No . 62 / 266 , 324 filed Dec . 11 , 2015 , number of alternative embodiments , depending on specific U .S . Provisional Application No . 62/ 270 , 307 filed Dec . 21, design and other needs . An EuroPay -MasterCard - Visa 2015 , and U . S . Provisional Application No. 62 / 305 ,599 filed (EMV ) card is used as an example of a dynamic transaction Mar. 9 . 2016 ; U . S . Patent Publication No. 2016 -0189143 , card . A dynamic transaction card may be any type of entitled “ A System , Method , and Apparatus for Locating a transaction card that includes a - enabled card Bluetooth Enabled Transaction Card , filed Dec . 22 , 2015 , used in any type of transaction , including , for example , debit which claims the benefit of U . S . Provisional Application No . cards , credit cards, pre -paid cards, cards used in transpor 62 /095 , 190 , filed on Dec. 22 , 2014 ; U . S . Pat. No. 9 , 105 ,025 , tation systems, membership programs, loyalty programs, entitled , Enhanced Near Field Communications Attachment hotel systems, and the like. A dynamic transaction card may filed on May 29 , 2014 , which claims the benefit of U . S . include enhanced features, including hardware, software , Provisional Application No . 61/ 570 , 275 filed on Dec . 13 , and firmware , beyond the traditional features of a magnetic 2011 and U . S . Provisional Application No . 61 / 547, 910 filed stripe or EMV card . The use of " ” in the on Oct . 17 , 2011 ; U . S . Patent Publication No. 2015 examples throughout this application is only by way of 0032635 , entitled “ System and Method for Exchanging Data example . Any type of device capable of communicating with with Smart Cards” filed Jul. 23 , 2014 , which claims the a dynamic transaction card may also be used , including , for benefit of U . S . Provisional Application No . 61/ 857 ,443 filed example , personal , tablets , gaming systems, tele on Jul. 23 , 2013 ; U .S . Patent Publication No . 2016 -0307081 , visions, or any other device capable of communicating with entitled “ Dynamic Transaction Card with EMV Interface a dynamic transaction card . and Method of Manufacturing " filed Apr. 14 , 2016 , which [0020 ] According to the various embodiments of the pres claims the benefit of U . S . Provisional Application No . ent disclosure , a dynamic transaction card and systems and 62 / 270 ,648 filed Dec . 22 , 2015 and U . S . Provisional Appli methods for using a dynamic transaction card are provided . cation No. 62 / 147 , 568 filed Apr. 14 , 2015 ; U . S . Patent Such embodiments may include , for example , a transaction Publication No . 2014 - 0279231 , entitled “ System and card including various components to facilitate the notifi Method for Providing Third Party Payments with Non cations, alerts , and / or other output on a dynamic transaction Integrated Merchants ” filed Mar. 12 , 2014 , which claims the card to an account holder associated with the dynamic benefit of U . S . Provisional Application No. 61 /778 , 776 filed transaction card . Notifications , alerts , and output may be Mar . 13 , 2015 ; U . S . Patent Publication No . 2015 - 0094026 , provided in the form of LED lights and / or colors , LED entitled “ System and Method for Automatically Authenti lighting patterns , dot matrix displays, and /or the like , which cating a Caller ” filed Sep . 9 , 2014 , which claims the benefit as situated on and/ or within a dynamic transaction card . of U . S . Provisional Application No. 61 /875 , 251 filed Sep . 9 , Interactive elements of a dynamic transaction card may be 2013 ; U . S . patent application Ser . No . 15 / 297 ,453 entitled activated , triggered , and/ or made available via an input “ System and Method for Automatically Authenticating a component on the dynamic transaction card . For example , a Caller” filed Oct . 19 , 2016 , which is a continuation and dynamic transaction card may include a capacitive touch claims the benefit of U . S . Patent Publication No . 2015 sensor, a piezoelectric sensor, via load cells , and /or the like . 0094026 , which claims the benefit of U . S . Provisional These types of sensors may activate , trigger, and / or make Application No . 61/ 875 , 251 ; U . S . Patent Publication No . available display and / or LED lighting information to alert 2016 -0078430 , entitled " System and Method for Digital and / or notify a dynamic transaction card holder. Authentication ” filed Aug. 17 , 2015 , which claims the [0021 ] In various embodiments, providing the alerts , noti benefit of U . S . Provisional Application No . 62 / 037 ,710 filed fications , and / or other output on a dynamic transaction card Aug . 15 , 2014 ; U .S . Patent Publication No. 2014 -0108260 , could be provided with the assistance of a network envi entitled “ System and Method for Token - Based Payments ” ronment, such as a cellular or Internet network . For example , filed Dec . 18 , 2013 , which claims the benefit of U . S . a mobile device may request and /or receive data indicative Provisional Application No. 61 /738 , 595 filed Dec . 18 , 2013 ; of notifications, alerts, and /or output to be displayed on a and U . S . Pat. No . 9 , 183, 490 , entitled " System and Method dynamic transaction card from a financial institution system for Providing Contactless Payment with a Near Field Com - via a network . A mobile device may then relay the data via munications Attachment” filed Apr. 6 , 2012 , which claims a network ( e . g . , a short range wireless network , NFC , US 2018 /0181956 A1 Jun . 28 , 2018

Bluetooth , and /or the like ) to the dynamic transaction card execute one or more software applications to , for example , for storage and /or to activate , trigger , and / or output notifi - receive data as input from an entity accessing the network cations and / or alerts . enabled system , process received data , transmit [0022 ] FIG . 1 depicts an example system 100 including a data over a network , and receive data over a network . For dynamic transaction card , which may utilize a wireless example , account provider system may include components connection in combination with a mobile application to such as those illustrated in FIG . 2 and / or FIG . 4 . facilitate a secure electronic checkout . As shown in FIG . 1 , [0027 ] Accountprovider system 130 , user device 140, and an example system 100 may include one or more dynamic merchant system 150 may include at least one central transaction cards 120 , one ormore account provider systems processing unit (CPU ) , which may be configured to execute 130 , one or more user devices 140 , and one or more computer program instructions to perform various processes merchant systems. and methods . Account provider system 130 and user device 10023 ) For example , network 110 may be one or more of 140 , may include data storage , including for example , ran a wireless network , a wired network or any combination of dom access memory (RAM ) and read only memory (ROM ) , wireless network and wired network . For example , network which may be configured to access and store data and 110 may be one or more of a fiber optics network , a passive information and computer program instructions. Data stor optical network , a cable network , an Internet network , a age may also include storage media or other suitable type of satellite network , a wireless LAN , a Global System for memory (e . g. , such as, for example , RAM , ROM , program Mobile Communication (“ GSM ” ), a Personal Communica mable read - only memory (PROM ) , erasable programmable tion Service (“ PCS " ) , a Personal Area Network ( “ PAN ” ) , read - only memory (EPROM ) , electrically erasable program Wireless Application Protocol (WAP ) , Multimedia Messag mable read -only memory (EEPROM ) , magnetic disks, opti ing Service (MMS ) , Enhanced Messaging Service (EMS ) , cal disks , floppy disks , hard disks , removable cartridges , Short Message Service ( SMS) , Time Division Multiplexing flash drives , any type of tangible and non - transitory storage ( TDM ) based systems, Code Division Multiple Access medium ), where the files that comprise an , (CDMA ) based systems, D -AMPS , Wi- Fi, Fixed Wireless application programs including, for example , web browser Data , IEEE 802 . 11b , 802 . 15 . 1 , 802 . 11n and 802 . 11g , a application , email application and /or other applications, and Bluetooth network , or any other wired or wireless network data files may be stored . The data storage of the network for transmitting and receiving a data signal . enabled computer systems may include electronic informa [ 0024 ] In addition , network 110 may include , without tion , files, and documents stored in various ways, including , limitation , telephone lines, fiber optics, IEEE Ethernet 902 . for example , a flat file , indexed file , hierarchical database , 3 , a wide area network (“ WAN ” ) , a local area network relational database , such as a database created and main ( “ LAN ” ) , a wireless personal area network (“ WPAN ” ) , or a tained with software from , for example , Oracle® Corpora global network such as the Internet. Also network 110 may tion , ® Excel file , Microsoft® Access file , a solid support an Internet network , a wireless communication state storage device , which may include an all flash array, a network , a cellular network , or the like , or any combination hybrid array, or a server -side product, enterprise storage , thereof. Network 110 may further include one network , or which may include online or cloud storage , or any other any number of the example types of networks mentioned storage mechanism . above , operating as a stand - alone network or in cooperation [0028 ] Account provider system 130 , user device 140 , and with each other. Network 110 may utilize one or more merchant system 150 may further include , for example , a protocols of one or more network elements to which they are processor, which may be several processors, a single pro communicatively coupled . Network 110 may translate to or cessor , or a single device having multiple processors . from other protocols to one or more protocols of network Although depicted as single elements , it should be appreci devices. Although network 110 is depicted as a single ated that according to one or more embodiments , account network , it should be appreciated that according to one or provider system 130 and /or user device 140 , may comprise more embodiments , network 110 may comprise a plurality a plurality of account provider systems 130 and /or user of interconnected networks , such as , for example , the Inter devices. net , a service provider ' s network , a cable television network , [ 0029 ] Account provider system 130 , user device 140, and corporate networks , and home networks . merchant system 150 may further include data storage , such [ 0025 ] User device 140 may be, for example , one or more as data storage 138 , 156 . The data storage may include mobile devices , such as, for example , personal digital assis electronic information , files , and documents stored in vari tants ( PDA ) , tablet computers and / or electronic readers ( e . g . , ous ways , including, for example , a flat file , indexed file , iPad , Kindle Fire , Playbook , Touchpad, etc . ), wearable hierarchical database , relational database , such as a database devices (e . g. , Google Glass ) , telephony devices, smart created and maintained with software from , for example , phones, cameras , music playing devices (e .g . , iPod , etc . ), Oracle® Corporation , Microsoft® Excel file , Microsoft® televisions, set- top -box devices, and the like . Access file , a solid state storage device , which may include [ 0026 ] Account provider system 130 , user device 140, and an all flash array , a hybrid array, or a server- side product, merchant system 150 also may include a network - enabled enterprise storage , which may include online or cloud stor computer system and / or device . As referred to herein , a age or any other storage mechanism . network - enabled computer system and /or device may be , [0030 ] As shown in FIG . 1 , each account provider system but is not limited to : e . g . , any computer device , or commu 130 , user device 140 , and / or merchant system 150 may nications device including , e . g . , a server , a network appli include various components. As used herein , the term " com ance , a ( PC ), a , a mobile ponent” may be understood to refer to computer executable device , a phone , a handheld PC , a personal digital assistant software , firmware , hardware , and / or various combinations (PDA ) , a thin client, a fat client, an Internet browser, or other thereof. It is noted there where a component is a software device . The network -enabled computer systems may and /or firmware component, the component is configured to US 2018 /0181956 A1 Jun . 28 , 2018 affect the hardware elements of an associated system . It is such as Capital One® , Bank of America® , Citibank® , Wells further noted that the components shown and described Fargo® , Sun Trust, various community banks , and the like , herein are intended as examples. The components may be as well as a number of other financial institutions such as combined , integrated , separated , or duplicated to support Visa , MasterCard® , and American Express that issue various applications. Also , a function described herein as credit and / or debit cards, for example , as transaction cards . being performed at a particular component may be per Account provider system 130 may include and / or be con formed at one or more other components and by one or more nected to one or more computer systems and networks to other devices instead of or in addition to the function process transactions. Account provider system 130 may performed at the particular component. Further , the compo include systems associated with financial institutions that nents may be implemented across multiple devices or other issue transaction cards, such as a dynamic transaction card components local or remote to one another. Additionally , the 120 , and maintains a contract with cardholders for repay components may be moved from one device and added to ment. In various embodiments , an account provider system another device , or may be included in both devices . 130 may issue credit , debit , and / or stored value cards , for [0031 ] As depicted in FIG . 1 , system 100 may include example . Account provider system 130 may include, by way dynamic transaction cards 120 . A dynamic transaction card of example and not limitation , depository institutions ( e . g . , may be any transaction card that is able to display alerts , banks , credit unions , building societies , trust companies , notifications , and / or other output to a card holder via a mortgage loan companies, pre -paid gift cards or credit cards, display and /or LED lighting 126 and / or receive input to etc . ) , contractual institutions ( e . g . , insurance companies , interact with the dynamic transaction card via , for example , pension funds, mutual funds , etc . ) , investment institutions a sensor 124 . Although FIG . 1 depicts a single sensor, 124 , ( e . g . , investment banks , underwriters , brokerage funds , etc . ) , multiple sensors may be included in dynamic transaction and other non - bank financial institutions ( e . g . , pawn shops card 120 . Dynamic transaction card 120 also may be com or brokers, cashier ' s check issuers , insurance firms, check posed of various materials that enable the entire exterior cashing locations , payday lending , currency exchanges , surface of card 120 to act as a sensor. A dynamic transaction microloan organizations , crowd - funding or crowd - sourcing card may be able to communicate with , for example , a entities , third -party payment processors , etc . ) . mobile device using RFID , Bluetooth , NFC , WiFi Direct [0035 ] Account provider system 130 may include an and / or other related technologies . For example , communi input/ output device 132 , a transaction system 134 , a cations between a dynamic transaction card and a mobile dynamic transaction card system 136 , and data storage 138 . device may include methods, systems, and devices described Input/ output device 132 may include for example , I/ O in U . S . patent application Ser. No . 14 /338 , 423 filed on Jul. devices , which may be configured to provide input and / or 23 , 2014 , the entire contents of which are incorporated output to providing party system 130 ( e .g ., keyboard , herein by reference . mouse , display , speakers, printers , modems, network cards, 10032] A dynamic transaction card may be able to com etc . ) . Input/ output device 132 also may include antennas , municate with EMV terminals via contact points on the network interfaces that may provide or enable wireless exterior of card 120 such as those positions on an EMV chip and / or wire line digital and / or analog interface to one or 122 located on the dynamic transaction card 120 or an EMV more networks , such as network 110 , over one or more plate on the exterior of card 120 connected to an EMV network connections , a power source that provides an appro processor within card 120 . For example , contact points priate alternating current (AC ) or direct current (DC ) to position on the exterior of card 120 may be directly con power one or more components of account provider system nected and adjacent to an EMV processor ( e . g . , EMV chip 130 , and a bus that allows communication among the 122 ) . In another example , the contact points positions on the various components of account provider system 130 . Input/ exterior of card 120 may be connected to an EMV processor output device 132 may include a display , which may include sing a form of wired connection ( e . g . , electrical wiring, for example output devices , such as a printer , display screen plastic jumpers , and/ or the like ) such that the EMV proces ( e. g ., monitor, television , and the like ) , speakers , projector, sormay be positioned at any location in the interior of card and the like . Although not shown , each account provider 120 as described in U . S . Provisional Application 62 / 270 , system 130 may include one or more encoders and / or 648 , the entire contents of which are incorporated herein by decoders , one or more interleavers , one or more circular reference . buffers , one or more multiplexers and /or de- multiplexers , [ 0033] A dynamic transaction card 120 may also include one or more permuters and / or depermuters , one or more hardware components to provide contactless payments and encryption and / or decryption units , one or more modulation or communications . For example , dynamic transaction card and / or demodulation units, one or more arithmetic logic 120 may include an output layer , an outer protective layer, units and/ or their constituent parts , and the like . potting , application ( e . g . , a Java Applet ), application inte [0036 ] Transaction system 134 may include various hard gration ( e . g ., Java Applet integration ) , a secure payment chip ware and software components to communicate between a 122 one or more sensors, a display , a display driver, firm merchant, acquisition system , account provider system , and / ware , a bootloader, a microcontroller, one or more antenna , or a user device to process a transaction , such as a user an energy storage component , power management, a flexible purchase . Dynamic transaction card system 136 may include PCB , a chassis , and /or card backing . A secure payment chip various hardware and software components, such as data 122 embedded in the dynamic transaction card 120 may storage (not shown ) to store data associated with a dynamic include a number of contacts that may be connected and transaction card ( e . g . , card number , account type , account activated using an interface device . A secure payment chip balance , account limits , budget data , recent transactions, 122 may include an EMV chip . pairing data such as time and date of pairing with a mobile [0034 ] Account provider system 130 may include systems device , and the like ) and cardholder data ( e . g ., cardholder associated with , for example , a banking service company name, address , phone number( s) , email address, demo US 2018 /0181956 A1 Jun . 28 , 2018 graphic data , and the like ). Data storage 138 may store data a power source that provides an appropriate alternating associated with an account ( e. g ., card number, account type, current (AC ) or direct current (DC ) to power one or more account balance , account limits , budget data , recent trans components of user device 140 , and a bus that allows actions , pairing data such as time, date , and location of communication among the various components of user pairing with a mobile device , and the like ) and account device 140 . Input/ output device 142 may include a display , holder data ( e . g ., account holder name, address, phone which may include for example output devices, such as a number( s ) , email address , demographic data , and the like ) . printer , display screen ( e . g . , monitor, television , and the [0037 ] A user device 140 , may be a mobile device , and like ) , speakers , projector, and the like . Although not shown , may be any device capable of communicating with a trans each user device 140 may include one or more encoders action card 120 via , for example , short range wireless and /or decoders , one or more interleavers , one or more technology , Bluetooth technology , NFC technology , WiFi circular buffers , one or more multiplexers and /or de -multi Direct technology , and /or the like and execute various plexers , one or more permuters and /or depermuters, one or functions to transmit and receive account data ( e . g . , card more encryption and /or decryption units , one or more modu number, account type, account balance , account limits , bud lation and / or demodulation units , one or more arithmetic get data , recent transactions, and /or the like ) associated with logic units and /or their constituent parts , and the like . dynamic transaction card 120 . For example , user device 140 [ 0040 ] Input/ output device 142 may also include an NFC could be an iPhone, iPod, iPad , and /or Apple from antenna and secure element (SE ) . The SE may be a hardware Apple® or any other mobile device running Apple ' s iOS chip specially designed to be tamper proof. In one embodi operating system , any device running Google ' s Android® ment, the SE may be used for digitally and physically secure operating system , including , for example , run storage of sensitive data , including transaction card data , ning the Android® operating system and other wearable payment data , health records, car key identifiers , etc . The SE mobile devices , such as Google Glass or Samsung Galaxy may , for example , store information related to a person , Gear , any device running Microsoft ' s Win customer, financial institution , or other entity . The SE may dows® Mobile operating system , and /or any other smart store information related to a financial account , such as, for phone or like device . example , transaction card data ( e . g . , a credit card number , [0038 ] User device 140 may include for example , an debit account number, or other account identifier, account input/ output device 142 , a dynamic card system 144 , a balance, transaction history , account limits , budget data , transaction system 146 , and an application 148 . Input/ output recent transactions, and / or the like ) . The SE may include a device 142 may include , for example , a Bluetooth device or computer processor or other computational hardware or chipset with a Bluetooth transceiver , a chip , and an antenna . software . As one example, the secure element may contain The transceiver may transmit and receive information via the Visa® and MasterCard® applications for Pay Wave® the antenna and an interface . The chip may include a and PayPass® transactions. A secure element may take the microprocessor that stores and processes information spe form of a universal integrated circuit card (UICC ) and / or a cific to a dynamic transaction device and provides device microSD card . A UICC may identify a user to a wireless control functionality . Device control functionality may operator , store contacts , enable secure connections, and add include connection creation , frequency -hopping sequence new applications and services , such as a transaction system . selection and timing, power control, security control, poll [0041 ] Input/ output device 142 may enable Industry Stan ing , packet processing , and the like . The device control dard NFC Payment Transmission . For example , the input/ functionality and other Bluetooth -related functionality may output device 142 may enable two loop antennas to form an be supported using a Bluetooth API provided by the plat air - core transformer when placed near one another by using form associated with the user device 140 ( e . g . , The Android magnetic induction . Input/ output device 142 may operate at platform , the iOS platform ). Using a Bluetooth API, an 13 . 56 MHz or any other acceptable frequency . Also , input/ application stored on a user device 140 ( e . g . , a banking output device 142 may provide for a passive communication application , a financial account application , etc .) or the mode , where the initiator device provides a carrier field , device may be able to scan for other Bluetooth devices ( e . g ., permitting answers by the target device via modulation of a dynamic transaction card 120 ) , query the local Bluetooth existing fields . Additionally, input/ output device 142 also adapter for paired Bluetooth devices, establish RFCOMM may provide for an active communication mode by allowing channels , connect to other devices through service discov alternate field generation by the initiator and target devices . ery , transfer data to and from other devices or a transaction [0042 ] Input/ output device 142 may deactivate the RF card 120 , and manage multiple connections . A Bluetooth field while awaiting data . The attachment may use Miller API used in the methods , systems, and devices described type coding with varying modulations, including 100 % herein may include an API for Bluetooth Low Energy (BLE ) modulation . The attachmentmay also use Manchester cod to provide significantly lower power consumption and allow ing with varying modulations , including a modulation ratio a user device 140 to communicate with BLE devices that of 10 % . Additionally , the attachment may be capable of have low power requirements , such dynamic transaction receiving and transmitting data at the same time, as well as card 120 . checking for potential collisions when the transmitted signal [0039 ] Input/ output device 142 may include for example, and received signal frequencies differ . I / O devices , which may be configured to provide input [0043 ] Input/ output device 142 may be capable of utilizing and / or output to user device 140 ( e . g ., keyboard , mouse , standardized transmission protocols , for example but not by display , speakers , printers , modems, network cards , etc . ) . way of limitation , ISO /IEC 14443 A / B , ISO / IEC 18092 , Input/ output device 142 also may include antennas, network MiFare , FeliCa , tag / smartcard emulation , and the like . Also , interfaces that may provide or enable wireless and /or wire input/ output device 142 may be able to utilize transmission line digital and /or analog interface to one or more networks , protocols and methods that are developed in the future using such as network 110 , over one or more network connections, other frequencies or modes of transmission . Input/ output US 2018 /0181956 A1 Jun . 28 , 2018 device 142 may also be backwards- compatible with existing tion card 120 to associate a number of different accounts techniques, for example RFID . Also , the system may sup with the dynamic transaction card ( e . g . , debit card , credit port transmission requirements to meet new and evolving card , prepaid card , and / or the like ). If a card holder has a standards including internet based transmission triggered by credit account established and desires to establish a debit NFC . card associated with the dynamic transaction card 120 , the [0044 ] Dynamic transaction card system 144 may work card holder may use a mobile device 140 and / or dynamic with input/ output device 142 to generate and receive account transaction card 120 to activate the inactive debit account on data associated with a dynamic transaction card 120 . For the dynamic transaction card 120 . example , dynamic transaction card system may include [0049 ] Dynamic transaction card 120 may include firm various hardware and software components such as a pro ware and /or a bootloader. A bootloader may include code to cessor and data storage to store dynamic transaction card be executed as a dynamic transaction card is activated and data (e . g ., cardholder name, address , phone number( s ), before any operating system , firmware , or other code is email address, demographic data , card number, account executed on the dynamic transaction card 120 . A bootloader type, account balance , account limits , budget data , recent may be activated via a sensor and energy storage component transactions and the like ) . of the dynamic transaction card 120 . A bootloader may be [ 0045 ] Transaction system 146 may include various hard activated and /or load an application and / or program upon ware and software components , such as data storage and a detection that card 120 has been inserted into a terminal, processor that may work with input/ output device 142 to charger , and / or the like . A bootloader may be activated using communicate between a merchant, acquisition system , only one technique described herein , using multiple tech account provider system , and/ or a mobile device to process niques described herein , and / or using a card holder or card a transaction , such as a user purchase . provider selected technique ( s ) described herein . A boot 100461 User device 140 may also include various software loader may only be active during a short interval after the components to facilitate the operation of a dynamic trans card powers up . Dynamic transaction card 120 may also be action card 120 . For example , user device 140 may include activated using program code that may be flashed directly to an operating system such as , for example , the iOS operating a microprocessor such as a microcontroller , secure payment system from Apple , the Google Android operating system , processor , EMV processor, and / or the like . Dynamic trans and the operating system from Microsoft . action card 120 may not use a bootloader but instead may Mobile device 140 may also include, without limitation , cycle between a sleep state and an active state using program software applications such as mobile banking applications code and /or memory . and financial institution application to facilitate use of a 0050 ) A dynamic transaction card 120 may include a dynamic transaction card 120 , 150 , an NFC application microcontroller and an antenna . An antenna may include, for programming interface , and software to enable touch sen example , a loop antenna , a fractal antenna , and / or the like . sitive displays . Mobile banking applications and /or financial An antenna may transmit to and receive signals from a institution applications may be combined and /or separate mobile device , such as user device 140 , to conduct transac from a dynamic transaction card system 144 . Mobile device tions and display data as described throughout the specifi manufacturers may provide software stacks or Application cation . A microcontroller may communicate with an secure Programming Interfaces (APIs ) which allow software appli payment chip , Java Applet , Java Applet integration , sensor cations to be written on top of the software stacks . For (s ), powermanagement , antenna , energy storage component, example, mobile device manufacturers may provide , with display, display driver , firmware , bootloader, and / or any out limitation , a card emulation API to enable NFC card other component of dynamic transaction card 120 . A micro emulation mode , a logic link control protocol ( LLCP ) API controller may control the card operations to conduct trans for peer -to -peer communication between mobile devices, a actions and / or display data as described throughout this Bluetooth API supporting BLE , and a real- time data (RTD ) specification . API and a NFC Data Exchange Format (NDEF ) API for [0051 ] FIG . 2 illustrates a system associated with the use reading /writing . of a dynamic transaction card . The example system 200 in [0047 ] Software applications on user device 140 may FIG . 2 may enable a financial institution , for example , to include , for example , user application 148 , which may be provide network services to its cardholders , and may include integrated with or separate from a mobile wallet application , providing transaction card data , account data , and / or any which may be utilized to by a customer to facilitate a secure other data to a mobile device that may in turn provide that electronic checkout. A user device 120 may communicate data to a dynamic transaction card . For example , a financial with account provider system 130 via mobile application institution may include a front- end controlled domain 206 , 148 . a back -end controlled domain 212 , and a backend 218 as [0048 ] Software applications on user device 140 , such as part of account provider system 130 , a user device 202 may mobile banking applications and applications associated include user device 140 , and a dynamic transaction card may with a dynamic transaction card 120 , may include card include dynamic transaction card 120 . Referring to FIG . 4 , on /off features that allow a cardholder associated with a for example , a dynamic transaction card may be similar to mobile device 140 to enable and disable a transaction card . a dynamic transaction card of cardholder 402 ; a financial For example , a card holder may use, for example , a mobile institution may include a front- end controlled domain 406 , banking application stored on a user device 140 to disable a back -end controlled domain 412 , and a backend 418 as and / or enable accounts associated with a dynamic transac part of card issuer system 418 and / or association / inter tion card 120 . A mobile banking application may include , for change 416 ; and a mobile device may be similar to a mobile example , an application as displayed on mobile device 320 device of cardholder 402 . in FIG . 3 . In this example , a dynamic transaction card 120 10052 ]. The example system 200 also may enable a mer may have account data pre- stored on the dynamic transac chant, for example , to provide network services to its US 2018 /0181956 A1 Jun . 28 , 2018 customers , and may include providing sales, loyalty account ments , network 204 may comprise a plurality of intercon data , and / or any other data to a mobile device that may in nected networks , such as , for example , the Internet, a service turn provide that data to a dynamic transaction card . For provider ' s network , a cable television network , corporate example , a mobile device 202 and / or dynamic transaction networks, and home networks . card may interact with a merchant system , such as merchant 10058 ) Front- end controlled domain 206 may be imple system to send and / or receive data to the merchant system , mented to provide security for backend 218 . Load balancer which may interact with a financial institution over a net ( s ) 208 may distribute workloads across multiple computing work , where a financial institution may include a front - end resources , such as, for example computers , a computer controlled domain 206 , a back - end controlled domain 212 , cluster, network links , central processing units or disk and a backend 218 . drives . In various embodiments , load balancer( s ) 210 may [ 0053 ] System 200 may include a user device 202 , a distribute workloads across , for example , web server (s ) 216 network 204 , a front- end controlled domain 206 , a back -end and / or backend 218 systems. Load balancing aims to opti controlled domain 212 , and a backend 218 . Front- end con mize resource use, maximize throughput, minimize response trolled domain 206 may include one or more load balancers time, and avoid overload of any one of the resources . Using 208 and one or more web servers 210 . Back - end controlled multiple components with load balancing instead of a single domain 212 may include one or more load balancers 214 and component may increase reliability through redundancy . one or more application servers 216 . Load balancing is usually provided by dedicated software or [0054 ] User device 202 may be a network - enabled com hardware , such as a multilayer switch or a Domain Name puter. As referred to herein , a network - enabled computer System (DNS ) server process . may include , but is not limited to : e . g ., any computer device , [0059 ] Load balancer( s ) 208 may include software that or communications device including, e . g . , a server, a net monitoring the port where external clients , such as, for work appliance , a personal computer ( PC ) , a workstation , a example , user device 202 , connect to access various services mobile device , a phone , a handheld PC , a personal digital of a financial institution , for example . Load balancer ( s ) 208 assistant ( PDA ), a thin client, a fat client, an Internet may forward requests to one of the application servers 216 browser , or other device . The one or more network -enabled and / or backend 218 servers , which may then reply to load computers of the example system 200 may execute one or balancer 208 . This may allow load balancer ( s ) 208 to reply more software applications to enable , for example , network to mobile device 202 without mobile device 202 ever communications. knowing about the internal separation of functions . It also [ 0055 ] User device 202 may include a mobile device , and may prevent mobile devices from contacting backend serv may be an iPhone , iPod , iPad from Apple? or any other ers directly, which may have security benefits by hiding the mobile device running Apple ' s iOS operating system , a structure of the internal network and preventing attacks on device running Google 's Android® operating system , backend 218 or unrelated services running on other ports , for including for example , Google 's wearable device , Google example . Glass, a device running Microsoft ' s Windows® Mobile [0060 ] A variety of scheduling algorithms may be used by operating system , and / or any other , wearable load balancer( s ) 208 to determine which backend server to mobile device , or like mobile device . User device 202 also send a request to . Simple algorithms may include , for may be similar to user device 140 as shown and described example , random choice or round robin . Load balancers 208 in FIG . 1. also may account for additional factors , such as a server ' s [ 0056 ] Network 204 may be one or more of a wireless reported load , recent response times, up /down status ( deter network , a wired network , or any combination of a wireless mined by a monitoring poll of some kind ) , number of active network and a wired network . For example , network 204 connections , geographic location , capabilities , or how much may include one or more of a fiber optics network , a passive traffic it has recently been assigned . optical network , a cable network , an Internet network , a [0061 ] Load balancers 208 may be implemented in hard satellite network , a wireless LAN , a Global System for ware and /or software . Load balancer( s ) 208 may implement Mobile Communication (GSM ) , a Personal Communication numerous features , including , without limitation : asymmet Service (PCS ) , a Personal Area Networks, (PAN ) , D - AMPS , ric loading ; Priority activation : SSL Offload and Accelera Wi-Fi , Fixed Wireless Data , IEEE 802 . 11b , 802 .15 . 1 , 802 . tion ; Distributed Denial of Service (DDoS ) attack protec 11n , and 802 . 11g or any other wired or wireless network for tion ; HTTP /HTTPS compression ; TCP offloading ; TCP transmitting and receiving a data signal. buffering ; direct server return ; health checking ; HTTP / [0057 ] In addition , network 204 may include , without HTTPS caching ; content filtering ; HTTP /HTTPS security ; limitation , telephone lines, fiber optics , IEEE Ethernet 902 . priority queuing ; rate shaping ; content -aware switching ; 3 , a wide area network (WAN ) , a local area network (LAN ) client authentication ; programmatic traffic manipulation ; or a global network such as the Internet. Also , network 204 firewall ; intrusion prevention systems. may support an Internet network , a wireless communication 10062 ]. Web server( s ) 210 may include hardware ( e . g ., one network , a cellular network , or the like , or any combination or more computers ) and / or software ( e .g ., one or more thereof. Network 204 may further include one network , or applications ) that deliver web content that can be accessed any number of example types of networks mentioned above , by, for example a client device ( e . g ., user device 202 ) operating as a stand - alone network or in cooperation with through a network ( e . g . , network 204 ) , such as the Internet . each other. Network 204 may utilize one or more protocols In various examples, web servers , may deliver web pages , of one or more network elements to which they are com relating to , for example , online banking applications and the municatively couples . Network 204 may translate to or from like , to clients ( e . g . , user device 202 ) . Web server ( s ) 210 other protocols to one or more protocols of network devices . may use, for example , a hypertext transfer protocol (HTTP / Although network 204 is depicted as a single network , it HTTPS or SHTTP ) to communicate with mobile device 302 . should be appreciated that according to one or more embodi The web pages delivered to client device may include, for US 2018 /0181956 A1 Jun . 28 , 2018 example , HTML documents , which may include images, ing limit , budget categories, budget spending , budget limits , style sheets and scripts in addition to text content . and the like ), and the like . Backend 218 also may be [0063 ] A user agent, such as, for example , a web browser , associated with one or more servers that enable the various web crawler , or native mobile application , may initiate services provided by system 200 . Backend 218 may enable communication by making a request for a specific resource a financial institution to implement various functions asso using HTTP /HTTPS and web server 210 may respond with ciated with reprogramming a transaction card and /or pro the content of that resource or an error message if unable to viding data to a transaction card in order to provide a do so . The resource may be , for example a file on stored on dynamic display as shown and described herein . backend 218 . Web server ( s ) 210 also may enable or facilitate [0068 ] A dynamic display may be a display that is altered receiving content from mobile device 302 so mobile device by activating new card data such as, a new card number , a 202 may be able to , for example , submit web forms, new security code ( e . g . , CCV code ) , a new expiration date , including uploading of files . and /or other card /account data . A dynamic display may be a [0064 ] Web server( s ) also may support server- side script display that is altered by activating new account data , such ing using , for example , Active Server Pages ( ASP ), PHP, or as a new account number, a new card number, a new security other scripting languages. Accordingly , the behavior ofweb code , a new expiration date , and / or other card /account data . server ( s ) 210 can be scripted in separate files , while the New account and/ or new card data may be fully pre -loaded , actual server software remains unchanged . partially pre - loaded , and / or received from a wireless con [ 0065 ] Load balancers 214 may be similar to load balanc nection . ers 208 as described above . [0069 ] For example, fully pre - loaded data may include a [0066 ] Application server ( s ) 216 may include hardware full account number , card number, security code , expiration and / or software that is dedicated to the efficient execution of date, and/ or other account data that is loaded onto a dynamic procedures ( e . g ., programs, routines, scripts ) for supporting transaction card ( e . g . , dynamic transaction card 120 ) upon its applied applications. Application server (s ) 216 may com personalization at a backend facility . Fully pre - loaded data prise one or more application server frameworks , including , may also include an associated applet that interacts with the for example , Java application servers ( e . g ., Java platform , account and / or card data to execute transactions , manipulate Enterprise Edition ( Java EE ) , the .NET framework from dynamic displays , and / or perform any of the functionality Microsoft® , PHP application servers, and the like ) . The described herein . Fully pre - loaded data may be activated various application server frameworks may contain a com upon receiving an activation signal from , for example , an prehensive service layer model. Also , application server ( s ) account holder device via a wireless connection . A wireless 216 may act as a set of components accessible to , for device may receive an activation signal from an issuing example , a financial institution , or other entity implementing financial institution via a network connection using , for system 200 , through an API defined by the platform itself . example , a mobile application and / or mobile - enhanced web For Web applications , these components may be performed site associated with the issuing financial institution . in , for example , the same running environment as web [0070 ] Partially pre - loaded data may include a shell server ( s ) 210 , and application servers 216 may support the account that includes a placeholder for each type of data construction of dynamic pages . Application server ( s ) 216 required for a fully - functional account ( e . g . , account holder also may implement services , such as, for example , cluster data , account number, security code , expiration date , and /or ing , fail- over, and load - balancing . In various embodiments , the like) . A placeholder may include one or more alphanu where application server ( s ) 216 are Java application servers , meric characters associated with inactive , null, or shell the web server ( s ) 216 may behaves like an extended virtual accounts in a backend system associated with the issuing machine for running applications, transparently handling financial institution . Partially pre - loaded data may include connections to databases associated with backend 218 on an associated applet that interacts with the account and / or one side, and, connections to the Web client ( e . g ., user card data to execute transactions , manipulate dynamic dis device 202 ) on the other . plays , and / or perform any of the functionality described [0067 ] Backend 218 may include hardware and / or soft herein . Partially pre- loaded data may be activated upon ware that enables the backend services of, for example , a receiving an activation signal and /or new card or new financial institution , merchant , or other entity that maintains account data from , for example , an account holder device a distributed system similar to system 200 . For example , via a wireless connection or a contact connection ( e. g ., using backend 218 may include , a system of record , online bank a terminal in contact with an EMV processor and /or other ing applications, a rewards platform , a payments platform , a microchip ) . A wireless device may receive an activation lending platform , including the various services associated signal and / or new card or new account data from an issuing with , for example , auto and home lending platforms, a financial institution via a network connection using , for statement processing platform , one or more platforms that example , a mobile application and / ormobile -enhanced web provide mobile services, one or more platforms that provide site associated with the issuing financial institution . online services, a card provisioning platform , a general [0071 ] Data transmitted may be encrypted . Encryption / ledger system , and / or a location system , which may include decryption may occur using a key that was preloaded onto additional capabilities , such as transaction card data genera the dynamic transaction card upon personalization at the tion , transaction processing , and / or transmission of account issuing financial institution and /or a key preloaded to an and /or transaction data . Backend 218 may be associated secure payment processing circuit , which may include an with various databases, including account databases that EMV circuit . Data received may include new account and/ or maintain , for example , cardholder information ( e . g . , demo card data . For example , where partially pre - loaded card graphic data , credit data , cardholder profile data , and the and /or account data are stored on a dynamic transaction like ) , transaction card databases that maintain transaction card , new card and /or account data may be received from an card data ( e . g ., transaction history , account balance, spend account holder 's mobile device via a wireless connection US 2018 /0181956 A1 Jun . 28 , 2018

( e . g . , BLE , NFC , WiFi, and /or the like ) or a contact con securely stores card credentials and is capable of transmit nection ( e . g ., using a terminal in contact with an EMV ting the card credentials to , for example , a PoS terminal processor and/ or other microchip ) . Data received may ( e . g ., terminal 406 ) and /or an input/ output device . Card include an applet and / or applet data required to execute holder 402 may interact with a merchant and /or a providing transactions , manipulate dynamic displays, and/ or perform party ( e .g . , merchant 404 ) by presenting a transaction card any of the functionality described herein . ( e . g ., dynamic transaction card 120 ) or card credentials to a [ 0072 ] Also , fully pre- loaded and / or partially pre- loaded terminal ( e . g . , terminal 406 ) . data may also include keys ( e . g . , public / private key pairs , [0078 ] Merchant 404 may be any merchant that accepts private key pairs , and/ or the like) that may be used by an payment from a cardholder 402 in exchange for goods, for secure payment processing circuit , which may be an EMV example . Merchant 404 may be any retailer, service pro circuit to execute transactions using the secure payment vider, business entity , or individual that accepts payments . processor on the card , which may be an EMV processor. Merchant 404 may include software, firmware and hardware [ 0073 ] FIG . 3 illustrates a system associated with the use for accepting and /or processing payments . For example , as of a dynamic transaction card . The example system 300 in illustrated in FIG . 4 , merchant 404 may include a terminal FIG . 3 may enable a mobile device 320 storing a mobile 406 and a payment gateway 408 . Terminal 406 and payment banking application , for example , to provide data updates to gateway 408 may comprise the physical or virtual device ( s ) a dynamic transaction card 310 via network 330 . For used by merchant 404 to communicate information to front example, data received at mobile device 320 may be trans end processor 412 of acquirer 410 . Terminal 406 may be mitted to dynamic transaction card 310 where it is received similar to a PoS system . Terminal 406 may include a secure via antenna 314 . Data may be received and / or transmitted payment processing reader, which may be an EMV card using , for example a mobile banking application that main reader to interact with a dynamic transaction card . In various tains and / or creates a secure connection with a financial embodiments , payment gateway 408 may be an e - commerce institution to send and / or receive data related to an account application service provider service that authorizes pay associated with the financial institution . For example , a ments for merchants. As such , payment gateway 408 may be mobile banking application may include send and/ or receive a virtual equivalent of a PoS terminal and interface with , for data related to a credit account, a debit account, a prepaid example , a billing system of merchant 404 and pass data to account, a loyalty account, a rewards account, and / or the front- end processor 412 of acquirer 410 . like . Data may also include track data that may be updated [0079 ] Acquirer 410 may be, for example , a financial upon demand . institution or bank that holds the contract for providing 10074 ] A dynamic transaction card may be paired with a payment processing services to merchant 404 . Merchant 404 user device to facilitate secure authentication and secure may have a merchant account that may serve as a contract online checkout. The mobile application located on the user under which Acquirer 410 may extend a line of credit to a device may notify a backend account provider system and / or merchant who wishes to accept, for example , credit card data storage associated with the mobile application via an transactions . As shown in FIG . 4 , Acquirer 410 may be application programming interface ( API) call to the backend associated with front- end processor 412 and back - end pro to facilitate secure checkout for any online shopping web cessor 414 . site . The mobile application may communicate with a [0080 ] In various examples , front- end processor 412 may dynamic transaction card via Bluetooth , BLE , and / or NFC , be a platform that card terminal 406 and /or payment gate and may communicate with the backend account provider way 408 communicate with when approving a transaction . system via mobile networks or WiFi. Front - end processor 412 may include hardware , firmware , [ 0075 ] Upon activation of dynamic transaction card via , and software to process transactions . Front- end processor for example , a sensor 318 , a data requestmay be transmitted 412 may be responsible for the authorization and capture to a mobile device 320 for updated information , where portion of credit card transaction . Front - end processor 412 mobile device 320 may request updated data from a financial also may include additional front- end platform interconnec institution ( not shown ). Data received at dynamic transac tions to support , for example , ACH and debit transactions. tion card 310 may be stored on microchip 312 and / or may [ 0081) Backend processor 414 may be a platform that be displayed via display 316 . takes captured transactions from front- end processor 412 [ 0076 ] FIG . 4 illustrates an example system 400 and and settles them through an Interchange system ( e . g ., asso method for a secure electronic checkout. As shown and ciation /interchange 416 ). Back -end processor 414 may gen described in FIG . 4 , account holders , such as account erate , for example , daily ACH files for merchant settlement . holders associated with a dynamic transaction card similar to Back -end processor 414 also may handle chargeback han dynamic transaction card 120 and / or a mobile device similar dling , retrieval request and monthly statements. to user device 140 and financial institutions similar to [0082 ] Association / interchange 416 may be the consumer account provider system 130 may be connected with a card payment system whose members are the financial institu association network to enable secure transactions, timely tions that issue payment cards and / or sign merchant to payments , and successful withdrawals . System 400 may accept payment cards. Example associations / interchanges include a cardholder 402 , merchant 404 , Acquirer 410 , 416 may include , Visa , MasterCard® , and American Association / Interchange 416 , and card issuer 418 . Express® . Association / interchange 416 may include one or [0077 ] Cardholder 402 may be any account holder, includ more computer systems and networks to process transac ing a credit card holder, debit card holder, stored value card tions. holder and the like . Cardholder 402 may be similar to the [0083 ] Issuer 418 may be a financial institution that issues card holder associated with dynamic transaction card 120 payment cards and maintains a contract with cardholders for and / or user device 140 . Cardholder 402 may possess a repayment. In various embodiments , issuer 418 may issue plastic card or carry a device ( e . g . , a mobile device ) that credit, debit , and /or stored value cards, for example . US 2018 /0181956 A1 Jun . 28 , 2018

Example issuers may include, Capital One® , Bank of the dynamic transaction card with the user device . The user America® , Citibank® , Sun Trust® , and the like . application may identify checkout fields on the online shop [ 0084 ] In various embodiments , processing a payment ping site at block 508 . For example , a web crawler may be card transaction may involve two stages : ( 1 ) authorization utilized to search for checkout fields , which may be obtained and ( 2 ) clearing and settlement . Authorization may refer to from online shopping web pages, and may be accessed by an electronic request that is sent through various parties to the web crawler and APIs . The web crawler process may either approve or decline the transaction . Clearing and automatically browse a web page, and may identify and Settlement may refer to settlement of the parties ' settle index fields on the merchant sites . In an embodiment, a web accounts to enable the parties to get paid . crawler may be embodied in a script that may parse HTML [0085 ] During authorization , cardholder 402 may present code of the sites to look for certain checkout field attributes payment card , such as dynamic transaction card 120 , as associated with merchant sites. If checkout fields are not payment (401A ) at merchant 404 POS terminal 406 , for identified , the process may end at block 610 . example . Merchant 404 may enter card into a physical Pos [0092 ] At block 512 , if checkout fields are identified , the terminal 406 ( e . g . , a secure payment processing terminal or user application may display a window via a user interface EMV terminal) or submit a credit card transaction to a on the user device , which may request the customer to wake payment gateway 408 on behalf of withdrawing party 402 up the associated dynamic transaction card to complete via secure connection from a Web site , retail location , or a payment information . Upon activation of the dynamic trans wireless device . action card to wake up the card , a wireless connection , [0086 ] Payment gateway 408 may receive the secure which may include a Bluetooth , BLE , or NFC connection transaction information (403A ) and may pass the secure may be established between the dynamic transaction card transaction information (405A ) via a secure connection to and the user device . the merchant acquirer ' s 410 front - end processor 412 . [0093 ] At block 514 , the customer may be authenticated [0087 ] Front- end processor 412 may submit the transac by utilizing multi - factor authentication based on the pairing tion ( 407A ) to association / interchange 416 ( e . g ., a network of the dynamic transaction card and the successful log in of of financial entities that communicate to manage the pro the customer to the browser extension . This multi - factor cessing, clearing and settlement of credit card transactions ) . authentication may provide computer access control in Association / interchange 416 may route the transaction which the user is only granted access to complete the secure (409A ) to the customer' s Issuer 418 . Issuer 418 may online checkout after successfully presenting these pieces of approve or decline the transaction and passes the transaction evidence to an authentication system . For example , the results back (411A ) through association /interchange 416 . customer may be authenticated based on evaluation of the Association / interchange then may relay the transaction connection between the dynamic transaction card and the results (413A ) to front- end processor 412 . user device , log in credentials of the customer for logging in [0088 ] Front- end processor 412 may relay the transaction to the browser extension associated with the electronic results (415A ) back to the payment gateway 408 and /or checkout page and user information stored in a digital terminal 406 . Payment gateway 408 may store the transac security database . The dynamic transaction card may com tion results and send them to merchant 404 . Merchant 404 municate directly with the browser extension through a may receive the authorization response and complete the wireless connection , which may include Bluetooth or BLE . transaction accordingly . For example a user device , which may include Bluetooth or [0089 ] During settlement, merchant 404 may deposit the BLE may be utilized to facilitate this direct communication . transaction receipt (421S ) with acquirer 410 via , for 100941. The customer may also be authenticated based on example , a settlement batch . Captured authorizations may be the log in credentials associated with logging in to the user passed ( 923S ) from front- end processor 412 to the back - end application on the user device . The introduction of the user processor 414 for settlement. Back - end processor may gen device and dynamic transaction card may provide immu erate ACH files for merchant settlement. Acquirer may table hardware identifiers , processors for encryption and submit settlement files ( 425S , 427S ) to Issuer 418 for location awareness, as well as new interactions via touch , reimbursement via association / interchange 416 . Issuer 418 microphone , camera , Bluetooth , BLE , and/ or NFC , as the may post the transaction and / or withdrawal and pay mer user device and dynamic transaction card are something chant 404 ( 429S , 4315 , 433S ) . customers have with them . The user device and dynamic 10090 ) FIG . 5 illustrates an example method of utilizing a transaction card may also enable transmission of data about wireless pairing of a dynamic transaction card and a user customers and data indicative of things customers know . The device application to facilitate multi - factor authentication digital security database may store information about a user and a secure online checkout. The method 500 may start at that is enrolled in push notification authentication , including block 502 . At block 504 , a customer completing an online identifying characteristics of the dynamic transaction card , shopping transaction may log in to a browser extension the user device and login information for the user for the associated with an electronic checkout page . A browser browser extension associated with the checkout page . Thus, extension may include a plug - in that may extend the func systems and methods for authentication described herein tionality of the web browser of the merchant online shop provide a novel digital authentication framework that uti ping website , which may be utilized to facilitate a secure lizes digital authentication techniques enabled by user checkout. devices and dynamic transaction cards. [0091 ] At block 506 , the customer ' s dynamic transaction [0095 ] In various example embodiments , push notification card may receive via a short range wireless network , which authentication may be used to securely allow a customer to may be a Bluetooth or Bluetooth Low Energy ( BLE ) net approve a purchase where a card is not present at the work , a connection attempt from a user application associ - merchant location ( e . g . , a " card not present” transaction ) . ated with the user device utilized for online shopping to pair For example , when shopping online , customers must enter US 2018 /0181956 A1 Jun . 28 , 2018 account number, expiry date and security code to complete intercept the user account information , to automatically a purchase . This manner of providing payment information facilitate payment to the merchant system . The customer has drawbacks because this information may already be account information may be passed and queued on the known to fraudsters and can be exploited and the merchant backend merchant system to complete the checkout trans is now in possession of this information and the user' s action . The process may end at block 524 . information could be exposed / vulnerable should the mer [0098 ] The request to facilitate a secure electronic check chant be compromised by hackers . According to various out may be processed using the systems described in FIGS. embodiments , a customer may make a purchase online using 1 , 2 , 3 , and 4 . Data may be securely transmitted between a their account number and expiry date only . The customer customer device , a dynamic transaction card , a financial may request that the merchant authenticate using push institution , and a merchant. Moreover, a mobile banking notification authentication . The account provider system application and / or a financial institution application may may identify the user ' s identification and their registered provide a secure connection and / or security features ( e . g . , device , which may include the user device and / or dynamic cryptographic keys , protocol, hash algorithm , digital signa transaction card . The account provider system may also tures , passwords , checksums, and / or the like ) to conduct identify the user ' s login and the user' s registered device . The secure communications with a financial institution and mer account provider system servers may transmit a push noti chant backend and receive updated financial data to trans fication to the user device and dynamic transaction card mit , via RFID , BLE , Bluetooth , NFC , and / or the like , to a combination for the account. The customer may receive , for dynamic transaction card for storage and /or display. example , a slide up advising them of what transaction is [00991 . For example , a mobile application may communi requiring additional approval ( i. e ., a card not present trans cate with a backend account provider and / or merchant action is being attempted ) . The customer then may authen system via a mobile network or WiFi to pass customer / ticate via the appropriate transaction level , swipe , password / account information to the backend to facilitate the secure touchID /pattern recognition or facial recognition and the checkout transaction . Customer account information may be customer application on the user device may transmit the encrypted to facilitate a secure transfer of the information . customer ' s response approve or deny - back to the card The transmitted information may include a key or token of issuers server. If the customer receives this push notification , encrypted information representing a financial account, the the customer may authenticate via the mobile device and /or amount of the transaction and /or other information neces dynamic transaction card as shown and described herein . As sary to facilitate the transfer of funds . The backend account such , this push notification system may allow a user to login provider system may verify the customer account informa to a website without having to provide username and pass tion , as it may use the customer account information to look word credentials . The account provider system then may up the account of the customer and determine whether the inform the website that the customer has authenticated and transaction should be authorized . The account provider the card not present transaction can proceed . system may check the account information against certain 10096 ] An application processor on the dynamic transac parameters to determine , for example , whether the transfer tion card may also be utilized to generate a unique key , complies with certain parameters , and / or whether the asso which may include a token , which may be utilized to ciated token has expired . securely store customer account information , which in turn [0100 ] An API may also encrypt, for example account and may be utilized to authenticate the customer . As such , routing numbers to ensure that any passing customer sensitive customer account information does not need to be account identifying data is secure during transmission and entered to facilitate the funds transfer and may be obtained storage . The data may be read and encrypted using a private through the wireless connection . The unique key may be key stored within the dynamic transaction card processor. associated with the browser extension and may include a first device also may store instructions to encrypt and / or single -use transaction key . encode data being transmitted from the first device . A first [0097 ] If the authentication fails , the process may end at device may store instructions to decrypt and / or decode data block 516 . Upon authentication of a customer based on the received at the first device . A first device may store encryp evaluation of the connection between the dynamic transac tion / encoding / decryption decoding instruction in a secure tion card and the user device , log in credentials of the user element or a secure microprocessor. For example , where a for logging in to the browser extension associated with the first device includes a secure payment chip , which may be checkout page , and user information stored in the digital an EMV chip , encryptions/ encoding /decryption /decoding security delivery storage, the dynamic transaction card instructions may be stored within the secure payment chip . application may trigger the user device application to call an A first device may store instructions to validate a public / account provider system , via and API coupled to a commu private key handshake between the first device and a second nication interface that communicates with the dynamic device to pair the first device and second device via a transaction card and user device via a network at block 518 . Bluetooth /BLE connection . In response , at block 520 , the account provider system may [0101 ] FIG . 6 also illustrates an example method of uti send a push notification to the browser extension . The lizing a wireless pairing of a dynamic transaction card to account provider system may transmit the customer account facilitate multi - factor authentication and a secure online information to the customer application , via a short range checkout. The method 600 may start at block 602 . At block wireless communication network , which may be a Bluetooth 604 , a customer completing an online shopping transaction or BLE network , which at block 522 , may prompt the may log in to a browser extension associated with an browser extension to populate the fields on the electronic electronic checkout page . A browser extension may include checkout page using the user account information retrieved a plug - in that may extend the functionality of the web and transmitted by the account provider system through the browser of the merchant online shopping website , which customer application , by utilizing a processor configured to may be utilized to facilitate secure checkout. US 2018 /0181956 A1 Jun . 28 , 2018

[0102 ] At block 606 , the customer 's dynamic transaction for logging in to the browser extension associated with the card may receive via a Bluetooth or Bluetooth Low Energy checkout page , and user information stored in the digital (BLE ) network , a connection attempt from a user applica security delivery storage , the dynamic transaction card tion associated with the user device utilized for online application may transmit customer account information to shopping to pair the dynamic transaction card with the user the customer application , via a Bluetooth or BLE network , device . The user application may identify checkout fields on at block 616 , which at block 618 , may prompt the browser the online shopping site at block 608 . For example , a web extension to populate the fields on the electronic checkout crawler may be utilized to search for checkout fields, which page using the user account information transmitted by the may be obtained from online shopping web pages , and may dynamic transaction card to automatically facilitate payment be accessed the web crawler and APIs . The web crawler may to the merchant system . The customer account information process merchant web pages , and identify and index fields may be passed and queued on the backend merchant system on the merchant web pages . In an embodiment, a web to complete the checkout transaction . The process may end crawler may be embodied in a script that may parse HTML at block 620 . code of the sites to look for certain checkout field attributes f0106 ]. In another embodiment, the dynamic transaction associated with merchant sites. If checkout fields are not card may be placed in contact with the user device to identified , the processing may end at block 610 . establish a wireless connection . For example , the dynamic [0103 ] At block 612, if checkout fields are identified , the transaction card may include a front- end NFC chipset and a customer may be authenticated by utilizing multi -factor loop antenna , which may include a 13 . 56 MHz loop antenna . authentication based on the pairing of the dynamic transac The dynamic transaction card application may transmit tion card and the successful log in of the customer to the customer account information to the customer application , browser extension . This multi -factor authentication may via a Bluetooth or BLE network , at block 616 , which in provide computer access control in which the user is only response , may prompt the browser extension to populate the granted access to complete the secure online checkout after fields on the electronic checkout page using the user account successfully presenting these pieces of evidenced to an information transmitted by the dynamic transaction card to authentication system . For example , the customer may be automatically facilitate payment to the merchant system . authenticated based on evaluation of the connection between 0107 ] It is further noted that the systems and methods the dynamic transaction card and the user device , log in described herein may be tangibly embodied in one of more credentials of the customer for logging in to the browser physical media , such as , but not limited to , a compact disc extension associated with the electronic checkout page and (CD ), a digital versatile disc (DVD ) , a floppy disk , a hard user information stored in a digital security database . The drive , read only memory (ROM ) , random access memory customer may also be authenticated based on the log in (RAM ), as well as other physical media capable of storing credentials associated with logging in to the user application software , or combinations thereof. Moreover, the figures on the user device . The introduction of the user device and illustrate various components ( e . g . , servers , computers , pro dynamic transaction card may provide immutable hardware cessors , etc . ) separately . The functions described as being identifiers , processors for encryption and location aware performed at various components may be performed at other ness , as well as new interactions via touch , microphone , components , and the various components bay be combined camera , Bluetooth , BLE , and / or NFC , as the user device and or separated . Other modifications also may be made . dynamic transaction card are something customers have [0108 ] The present disclosure is not to be limited in terms with them . The user device and dynamic transaction card of the particular embodiments described in this application , may also enable transmission of data about customers and which are intended as illustrations of various aspects . Many data indicative of things customers know . The digital secu modifications and variations can be made without departing rity database may store information about a user that is from its spirit and scope , as may be apparent. Functionally enrolled in push notification authentication , including iden equivalent methods and apparatuses within the scope of the tifying characteristics of the dynamic transaction card , the disclosure , in addition to those enumerated herein , may be user device and login information for the user for the apparent from the foregoing representative descriptions . browser extension associated with the checkout page . Thus, Such modifications and variations are intended to fall within systems and methods for authentication described herein the scope of the appended representative claims. The present provide a novel digital authentication framework that uti - disclosure is to be limited only by the terms of the appended lizes digital authentication techniques enabled by user representative claims, along with the full scope of equiva devices and dynamic transaction cards. lents to which such representative claims are entitled . It is [ 0104 ] An application processor on the dynamic transac also to be understood that the terminology used herein is for tion card may be utilized to generate a unique key, which the purpose of describing particular embodiments only , and may include a token which may be utilized to securely store is not intended to be limiting . customer account information , which in turn may be utilized [0109 ] With respect to the use of substantially any plural to authenticate the customer. As such , sensitive customer and / or singular terms herein , those having skill in the art can account information does not need to be entered to facilitate translate from the plural to the singular and / or from the the funds transfer and may be obtained through the wireless singular to the plural as is appropriate to the context and / or connection . The unique key may be associated with the application . The various singular plural permutations may browser extension and may include a single- use transaction be expressly set forth herein for sake of clarity . key. [0110 ] It may be understood by those within the art that , [0105 ] If the authentication fails , the process may end at in general, terms used herein , and especially in the appended block 614 . Upon authentication of a customer based on the claims ( e .g ., bodies of the appended claims) are generally evaluation of the connection between the dynamic transac - intended as “ open ” terms ( e . g . , the term “ including ” should tion card and the user device , log in credentials of the user be interpreted as “ including but not limited to ," the term US 2018 /0181956 A1 Jun . 28 , 2018 13

“ having” should be interpreted as “ having at least ,” the term accompanying drawings. It may, however , be evident that " includes” should be interpreted as “ includes but is not variousmodifications and changes may be made thereto , and limited to ,” etc . ) . It may be further understood by those additional embodiments may be implemented , without within the art that if a specific number of an introduced claim departing from the broader scope of the invention as set forth recitation is intended , such an intent may be explicitly in the claims that follow . The specification and drawings are recited in the claim , and in the absence of such recitation no accordingly to be regarded as an illustrative rather than such intent is present. For example , as an aid to understand restrictive sense . ing , the following appended claimsmay contain usage of the 1 . A dynamic transaction card comprising : introductory phrases “ at least one ” and “ one or more ” to a secure payment chip that stores financial data ; introduce claim recitations. However , the use of such a payment processing microprocessor; and phrases should not be construed to imply that the introduc an application processor storing a dynamic transaction tion of a claim recitation by the indefinite articles " a " or " an " card application , wherein the dynamic transaction card limits any particular claim containing such introduced claim application when executed causes the dynamic trans recitation to embodiments containing only one such recita action card to : tion , even when the same claim includes the introductory receive , via a short range wireless communication phrases “ one or more ” or “ at least one" and indefinite network a connection attempt, from a user device articles such as “ a ” or “ an ” ( e . g ., “ a ” and /or “ an ” should be application executed on a user device ; interpreted to mean " at least one ” or “ one or more ” ) ; the create a short range wireless connection between the same holds true for the use of definite articles used to dynamic transaction card and the user device ; introduce claim recitations. In addition , even if a specific upon authentication of a user based on evaluation of the number of an introduced claim recitation is explicitly connection between the dynamic transaction card recited , such recitation should be interpreted to mean at least and the user device , log in credentials of the user the recited number ( e . g . , the bare recitation of “ two recita wherein the user has logged in to a browser exten tions, " without other modifiers , means at least two recita sion associated with an electronic checkout page , tions , or two or more recitations ) . Furthermore , in those and user information stored in a digital security instances where a convention analogous to " at least one of delivery storage , triggers the user device application A , B , and C , etc .” is used , in general such a construction is to call , via an application programming interface intended in the sense one having skill in the art would (API ) coupled to a communication interface that understand the convention ( e . g . , " a system having at least communicates with the dynamic transaction card and one of A , B , and C ” would include but not be limited to user device via a network , an account provider systems that have A alone , B alone , C alone , A and B system ; and together, A and C together , B and C together , and / or A , B , automatically facilitate payment to a merchant system and C together, etc . ) . In those instances where a convention associated with the electronic check out page, analogous to " at least one of A , B , or C , etc .” is used , in wherein upon triggering the user device application general such a construction is intended in the sense one to call the account provider system , the account having skill in the art would understand the convention ( e . g . , provider system sends a push notification to the “ a system having at least one of A , B , or C ” would include browser extension to prompt the browser extension but not be limited to systems that have A alone , B alone , C to populate fields on the electronic checkout page alone , A and B together, A and C together , B and C together , using user account information transmitted from the and / or A , B , and C together, etc . ) . It may be further under account provider system ; stood by those within the art that virtually any disjunctive wherein the digital security delivery database stores infor word and / or phrase presenting two or more alternative mation about the user that is enrolled in push notifica terms, whether in the description , claims, or drawings , tion authentication , including characteristics of should be understood to contemplate the possibilities of dynamic transaction card , the user device and login including one of the terms, either of the terms, or both terms. information for the user for the browser extension For example , the phrase " A or B ” may be understood to associated with the checkout page . include the possibilities of “ A ” or “ B ” or “ A and B ." 2 . The dynamic transaction card of claim 1 , wherein the [ 0111] The foregoing description , along with its associated secure payment chip comprises a EuroPay -MasterCard - Visa embodiments , has been presented for purposes of illustration (EMV ) . only . It is not exhaustive and does not limit the invention to 3 . The dynamic transaction card of claim 1 , wherein a web the precise form disclosed . Those skilled in the art may crawler identifies checkout fields on the electronic checkout appreciate from the foregoing description that modifications page. and variations are possible in light of the above teachings or 4 . The dynamic transaction card of claim 1 , wherein the may be acquired from practicing the disclosed embodi dynamic transaction card application generates a unique key ments . For example , the steps described need not be per associated with the browser extension . formed in the same sequence discussed or with the same 5 . The dynamic transaction card of claim 4 , wherein the degree of separation . Likewise various steps may be omit unique key comprises a single - use transaction key . ted , repeated , or combined , as necessary , to achieve the same 6 . The dynamic transaction card of claim 4 , wherein the or similar objectives . Accordingly, the invention is not account provider system evaluates the unique key to authen limited to the above - described embodiments, but instead is ticate the user. defined by the appended claims in light of their full scope of 7 . The dynamic transaction card of claim 1, wherein the equivalents . authentication of the user is based on log in credentials of the [ 0112 ] In the preceding specification , various preferred user wherein the user has logged in to the user application embodiments have been described with references to the on the user device . US 2018 /0181956 A1 Jun . 28 , 2018 14

8 . The dynamic transaction card of claim 1 , wherein the 16 . The dynamic transaction card of claim 9, wherein the short range wireless communication network comprises a short range wireless communication network comprises a Bluetooth or Bluetooth Low Energy (BLE ) network . Bluetooth or Bluetooth Low Energy ( BLE ) network . 9 . A dynamic transaction card comprising : 17 . A dynamic transaction card comprising : a secure payment chip that stores financial data ; a secure payment chip that stores financial data ; a payment processing microprocessor ; and a payment processing microprocessor; and an application processor storing a dynamic transaction an application processor storing a dynamic transaction card application ; card application , wherein the dynamic transaction card wherein the dynamic transaction card contacts a user application when executed causes the dynamic trans device to establish a wireless connection ; action card to : wherein the dynamic transaction card application when receive , via a short range wireless communication executed causes the dynamic transaction card to : network a connection attempt, from a user device upon authentication of a user based on evaluation of the application executed on a user device ; connection between the dynamic transaction card create a short range wireless connection between the and the user device, log in credentials of the user dynamic transaction card and the user device ; wherein the user has logged in to a browser exten upon authentication of a user based on evaluation of the sion associated with an electronic checkout page , connection between the dynamic transaction card and user information stored in a digital security and the user device , log in credentials of the user delivery storage, transmit user account information wherein the user has logged in to a browser exten stored on the dynamic transaction card to the sion associated with an electronic checkout page , browser extension to prompt the browser extension and user information stored in a digital security to populate fields on the electronic checkout page delivery storage , transmits user account information using user account information to automatically stored on the dynamic transaction card to the facilitate payment to a merchant system ; browser extension to prompt the browser extension wherein the digital security delivery database stores infor to populate fields on the electronic checkout page mation about the user that is enrolled in push notifica using user account information to automatically tion authentication , including characteristics of facilitate payment to a merchant system ; dynamic transaction card, the user device and login wherein the digital security delivery database stores infor information for the user for the browser extension mation about the user that is enrolled in push notifica associated with the checkout page . tion authentication , including characteristics of 18 . The dynamic transaction card of claim 17 , wherein the dynamic transaction card , the user device and login wireless connection comprises a Near Field Communication information for the user for the browser extension (NFC ) connection . associated with the checkout page . 19 . The dynamic transaction card of claim 17 , wherein the 10 . The dynamic transaction card of claim 9 , wherein the secure payment chip comprises a EuroPay -MasterCard - Visa secure payment chip comprises a EuroPay -MasterCard - Visa ( EMV ) . ( EMV) . 20 . The dynamic transaction card of claim 17 , wherein a 11 . The dynamic transaction card of claim 9 , wherein a web crawler identifies checkout fields on the electronic web crawler identifies checkout fields on the electronic checkout page . checkout page. 21. The dynamic transaction card of claim 17 , wherein the 12 . The dynamic transaction card of claim 9 , wherein the dynamic transaction card application generates a unique key dynamic transaction card application generates a unique key associated with the browser extension . associated with the browser extension . 22 . The dynamic transaction card of claim 21 , wherein the 13 . The dynamic transaction card of claim 12 , wherein the unique key comprises a single -use transaction key. unique key comprises a single -use transaction key . 23 . The dynamic transaction card of claim 21 , wherein the 14 . The dynamic transaction card of claim 12 , wherein the account provider system evaluates the unique key to authen account provider system evaluates the unique key to authen ticate the user . ticate the user . 24 . The dynamic transaction card of claim 17 ,wherein the 15 . The dynamic transaction card of claim 9 , wherein the authentication of the user is based on log in credentials of the authentication of the user is based on log in credentials of the user wherein the user has logged in to a user application on user wherein the user has logged in to the user application the user device . on the user device . * * * * *