Patent ID: 11900389
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A transaction card comprised of a material, the transaction card comprising:
two or more sensors disposed within the transaction card, wherein the material forms the transaction card and is dimensioned to be operable with a card reader, wherein the two or more sensors comprise two or more of a microphone, a gyroscope, a NFC detection sensor, a fingerprint sensor, an accelerometer, a pedometer, a linear acceleration sensor, an attitude sensor, a user-activated switch, and/or a motion detector; wherein the two or more sensors are configured to collect a user-specific pre-card-use sensor data regarding a user of the transaction card;
wherein the user-specific pre-card-use sensor data comprises one or both of:
i) first sensor data regarding at least one action previously performed with the transaction card by the user, or
ii) second sensor data regarding at least one activity, associated with the transaction card, engaged into by the user;

data storage disposed within the transaction card;
circuitry disposed within the transaction card and configured to:
locally generate on the transaction card, without requirement of a connection to a network, a user-specific risk profile validation model of the user based on a plurality of user-specific characteristics derived from the user-specific sensor data received from at least one of the 2 or more sensors;
store the user-specific risk profile validation model of the user in the data storage disposed within the transaction card;
compare the user-specific sensor data collected for a current transaction to the user-specific risk profile validation model to determine a risk score for the current transaction; and
transmit the risk score to a card transacting device when the user utilizes the transaction card to attempt at least one transaction with the card transacting device.