Patent ID: 11954667
Assignee: CAPITAL ONE SERVICES, LLC
Field: Computer technology (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A transaction card comprising:
communication circuitry;
wherein the communication circuitry comprises wireless communication circuitry; and
wherein the communication circuitry is configured to communicate with a server associated with a provider of the transaction card;

an e-ink display that is:
i) coupled to the communication circuitry to coordinate display of a Quick Response (QR) code; and
ii) configured to display the QR code via electronic ink on the transaction card for use in second-factor authentication for transactions; and

computer readable media storing instructions that, when executed by at least one processor, cause the transaction card to perform a second-factor authentication process, comprising:
initiating, when an online transaction is attempted, the second-factor authentication process;
generating the QR code; and
displaying the QR code on the e-ink display to be captured by a wireless computing device that transmits an image of the QR code displayed on the e-ink display to the server after initiating the online transaction so that the image of the QR code can be verified by the server to validate the second-factor authentication process;
wherein the wireless communication circuitry is configured to:
communicate with an app, installed on the wireless computing device and associated with the provider of the transaction card, to:
send, via the app, information regarding the transaction card and associated transactions to the wireless computing device for transmission to the server of the provider, and
receive, via the app and the wireless computing device, one or more of: communications, new QR codes, updates, or other information directed to the transaction card; and

generate, in response to receiving an activation instruction generated by the app and received from the wireless computing device, the QR code needed to approve the online transaction.