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 ) SERVER ( 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