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

Claim 17:
18. A computer-implemented method comprising:
collecting, by two or more sensors of a transaction card comprised of a material that forms the transaction card and is dimensioned to be operable with a card reader, the two or more sensors being disposed within the transaction card and being configured comprising 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, to collect 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;

receiving, by circuitry disposed within the transaction card, the user-specific sensor data from the one or more sensors;
locally generating, by the circuitry 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;
storing, by the circuitry, the user-specific risk profile validation model of the user in data storage disposed within the transaction card;
comparing, by the circuitry, 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;
transmitting the risk score to a card transacting device when the user utilizes the transaction card to attempt a transaction with the card transacting device; and
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, which is configured to allow the card transacting device to evaluate a risk associated with accepting the transaction card to complete the transaction.