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

Claim 19:
20. A system comprising:
a transaction card comprising:
a material that forms the transaction card, dimensioned to be operable with a card reader;
a physical data storage disposed within the transaction card;
one or more sensors disposed within the transaction card, the one or more sensors comprising one 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 one or more sensors are configured to collect card-use sensor data regarding a user of the transaction card;

circuitry, disposed within the transaction card, that:
collects, by the one or more sensors of the transaction card, user-specific pre-card-use sensor data, 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;

locally generates, on the transaction card and without requirement of a connection to a network, a user-specific risk-profile validation model of the user based on the user-specific sensor data that is configured to allow card transacting devices to evaluate a risk associated with accepting the transaction card to complete transactions;
stores the user-specific risk-profile validation model of the user in the physical data storage;
compares 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
transmits the risk score to a card transacting device when the user utilizes the transaction card to attempt a transaction with the card transacting device, wherein the card transacting device is configured to authorize the current transaction based on the risk score and the user-specific risk-profile validation model of the user; and

at least one server, computer or portable mobile device containing non-transitory computer readable media configured to process instructions with the transaction card.