Patents
US 12530673 B2: Smart payment card, and computing systems and methods for configuring smart payment card and processing transactions involving smart payment card
- Granted
- 2026-01-20
- Filed
- 2024-09-16 application 18886791
- Type
- Utility · 20 claims
- Elsewhere
- Google Patents ↗ · USPTO patent document ↗ · USPTO Patent Center record ↗
Abstract
A smart payment card is provisioned with biometric data for an authorized card member and, for at least one financial account, (i) respective financial account information to be used for authorized card-present transactions and (ii) a respective set of virtual account numbers to be used for card-not-present transactions. The smart payment card is configured using a dongle and a user interface displayed at an end-user device. Processing a financial transaction involving a given financial account provisioned on the smart payment card involves authenticating a received biometric input, and if the authentication is successful, (i) transmitting identifying information for the given financial account to a point-of-sale device if the financial transaction is a card-present transaction, or (ii) presenting, at a display of the smart payment card, a first virtual account number from a respective set of virtual account numbers for the given financial account if the transaction is a card-not-present transaction.
Source: PTBLXML, file of 2026-01-20 (ipgb20260120.xml).
Assignees
| Assignee | Type | Place | Also on furp.org | Source |
|---|---|---|---|---|
| Capital One Financial Corporation 141 patents | US company or organization | McLean, VA | CAPITAL ONE FINANCIAL CORP SEC filer FUZZY low confidence: same name (legal endings aside), one of each nationally | PTBLXML, file of 2026-01-20 |
Inventors
| Inventor | Place | Patents | Person page | Source |
|---|---|---|---|---|
| Sanjeev Singla | Novi, MI | PTBLXML, file of 2026-01-20 | ||
| Shriprakash Adikumar Band | Rolling Meadows, IL | PTBLXML, file of 2026-01-20 | ||
| Bharanicharan Malli Sathyamoorthy | Naperville, IL | PTBLXML, file of 2026-01-20 |
CPC categories
| Subclass | Category | First group | Source |
|---|---|---|---|
| G06Q | Information and communication technology [ict] specially adapted for administrative, commercial, financial, managerial or supervisory purposes; systems or methods specially adapted for administrative, commercial, financial, managerial or supervisory purposes, not otherwise provided for | G06Q20/341 | PTBLXML, file of 2026-01-20 |
| G06K | Graphical data reading ; presentation of data; record carriers; handling record carriers | G06K19/0718 | PTBLXML, file of 2026-01-20 |
| G06V | Image or video recognition or understanding | G06V40/1365 | PTBLXML, file of 2026-01-20 |
Cooperative Patent Classification, as currently assigned (one row per subclass).
Assignments and security interests
| Recorded | What | From | To | Reel/frame | Source |
|---|---|---|---|---|---|
| 2025-07-02 | Merger Merger | DISCOVER FINANCIAL SERVICES signed 2025-05-16 | CAPITAL ONE FINANCIAL CORPORATION MCLEAN, VA | 71784/903 | PASDL, file of 2026-10-18 |
| 2024-10-08 | Assignment Assignment of assignor's interest | SINGLA, SANJEEV signed 2023-04-24 BAND, SHRIPRAKASH ADIKUMAR signed 2023-04-25 MALLI SATHYAMOORTHY, BHARANICHARAN signed 2023-04-24 | DISCOVER FINANCIAL SERVICES RIVERWOODS, IL | 68829/733 | PASDL, file of 2026-10-15 |
Documents recorded with the USPTO Assignment Recordation Branch that list this patent. A security interest is a lender’s claim on the patent as collateral; a release ends it.
USPTO bulk data: PatentsView granted patents, disambiguated (PVGPATDIS) for patents, assignees, inventors, places and CPC categories; the USPTO Patent Assignment Dataset (ECORSEXC) for assignments and security interests. Patents filed in the last 20 years. No claims or full text. Links to other records are by name (and state): EXACT means the identical full name and state; FUZZY means a looser name match, with the confidence shown.