SMART PAYMENT CARD, AND COMPUTING SYSTEMS AND METHODS FOR CONFIGURING SMART PAYMENT CARD AND PROCESSING TRANSACTIONS INVOLVING SMART PAYMENT CARD
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United States of America
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Issued Date -
Apr 10, 2025
app pub date -
Sep 16, 2024
filing date -
Sep 16, 2024
priority date (Note) -
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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.
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