US-20260127576-A1 - SYSTEMS AND METHODS FOR A TRANSACTION CARD HAVING A CUSTOMER-SPECIFIC URL

US20260127576A1US 20260127576 A1US20260127576 A1US 20260127576A1US-20260127576-A1

Abstract

A method, apparatus, and system of activating and using a contactless card are disclosed. A transaction card includes a contactless enabled chip storing a near-field communication (“NFC”) tag and an application that enables a payment via the transaction card. The NFC tag includes stored information separate from the application including customer identity information. The contactless enabled chip is configured to: receive, via a contactless communication between the contactless enabled chip and a user device, a random bit string and a request for the customer identity information; determine a cryptographic algorithm; encrypt, according to the cryptographic algorithm and using the random bit string, an information package to generate a bit sequence; embed the bit sequence into a general uniform resource locator (“URL”) to create a customer-specific URL; and wirelessly transmit the NFC tag containing the customer-specific URL to the user device.

Inventors

Deana Cook
Darrell L. Suen
William E. Wheeler

Assignees

WELLS FARGO BANK, N.A.

Dates

Publication Date: 20260507
Application Date: 20251224

Claims (20)

1 . A transaction card, comprising: a contactless enabled chip storing a near-field communication (“NFC”) tag and an application that enables a payment via the transaction card, the NFC tag having stored information separate from the application including customer identity information, where the contactless enabled chip is configured to: receive, via a contactless communication between the contactless enabled chip and a user device, a random bit string and a request for the customer identity information; determine, based on the received request, a cryptographic algorithm of a profile of a user associated with the transaction card and from a plurality of cryptographic algorithms stored on the transaction card; encrypt, according to the cryptographic algorithm and using the random bit string, an information package to generate a bit sequence; embed the bit sequence into a general uniform resource locator (“URL”) to create a customer-specific URL; and wirelessly transmit, via the contactless communication, the NFC tag containing the customer-specific URL to the user device, wherein the customer-specific URL causes the user device to automatically transmit the customer identity information to a computing system.
2 . The transaction card of claim 1 , wherein the customer-specific URL is valid for a predetermined number of uses.
3 . The transaction card of claim 1 , wherein the customer-specific URL is embedded in the contactless enabled chip in a separate location relative to the application.
4 . The transaction card of claim 1 , wherein the customer-specific URL is configured to facilitate a reset of an online credential for accessing an account associated with the transaction card.
5 . The transaction card of claim 1 , wherein the contactless enabled chip further comprises instructions stored thereon configured to cause the user device to display a website associated with the customer-specific URL in response to the contactless communication.
6 . The transaction card of claim 1 , wherein the customer-specific URL is associated with a web site comprising an activation page for the transaction card, and wherein the activation page allows activation of the transaction card for use in a transaction.
7 . The transaction card of claim 1 , wherein the customer-specific URL is a web-address to an online portal unique to a customer associated with the transaction card, and wherein the online portal is unique to the customer based on the information package included in the customer-specific URL and allows access to an account online associated with the transaction card.
8 . A method comprising: transmitting, via a contactless communication to a contactless enabled chip of a transaction card and from a user device, a random bit string and a request for customer identity information, wherein the contactless enabled chip stores a near-filed communication (“NFC”) tag and an application that enables a payment via the transaction card, wherein the NFC tag stores information separate from the application including the customer identity information; receiving, via the contactless communication by the user device from the transaction card in response to the request, the NFC tag containing a customer-specific uniform resource locator (“URL”), wherein the customer-specific URL includes a bit sequence embedded into a general URL that is generated based on an encrypted information package encrypted according to a cryptographic algorithm; and responding, by the user device, to the customer-specific URL by transmitting to a computing system the customer identity information.
9 . The method of claim 8 , wherein the customer-specific URL is valid for a predetermined number of uses.
10 . The method of claim 8 , wherein the customer-specific URL is configured to facilitate a reset of an online credential for accessing an account associated with the transaction card.
11 . The method of claim 8 , wherein responding to the customer-specific URL comprises: launching, by the user device, a browser application; and automatically navigating, by the browser application of the user device, to a website associated with the customer-specific URL.
12 . The method of claim 8 , further comprising responding, by the user device to a second contactless communication with the transaction card, to the customer-specific URL by displaying a website, wherein the website comprises an activation webpage configured to allow activation of the transaction card for a future transaction.
13 . The method of claim 8 , wherein the contactless communication is a near-field communication (“NFC”), wherein the NFC tag is a passive NFC tag, wherein at least some of the customer identity information is stored on the transaction card, and wherein the user device provides power to the transaction card to activate the passive NFC tag to cause a transmission of the at least some of the customer identity information.
14 . The method of claim 8 , further comprising responding, by the user device, to the customer-specific URL by displaying an online portal unique to a customer associated with the transaction card, wherein the online portal is unique to the customer and allows access to an account online associated with the transaction card.
15 . The method of claim 8 , wherein responding to the customer-specific URL comprises: transmitting, by the user device to the computing system, information regarding the customer-specific URL and information regarding the user device; and receiving, by the user device from the computing system, verification that the user device is authorized to navigate to the customer-specific URL before the user device displays a credential reset webpage.
16 . The method of claim 15 , wherein the verification is based on a verification that the user of the user device is the same as a customer associated with the transaction card.
17 . A non-transitory computer-readable medium storing instructions that, when executed by one or more processors cause operations comprising: activating a near-field communication (“NFC”) tag on a transaction card, the transaction card comprising a contactless enabled chip storing the NFC tag and an application that enables a payment via the transaction card, the NFC tag having stored information separate from the application including customer identity information; providing, via a contactless communication with the transaction card, a random bit string and a request for the customer identity information; receiving, via the contactless communication with the transaction card, the NFC tag, wherein the NFC tag contains a customer-specific uniform resource locator (“URL”), and wherein the customer-specific URL includes a bit sequence embedded into a general URL that is generated based on an encrypted information package encrypted according to a cryptographic algorithm; transmitting, to a computing system based on the customer-specific URL, the customer identity information; and causing a display of a website associated with the customer-specific URL.
18 . The non-transitory computer-readable medium of claim 17 , wherein the display provides information regarding an account associated with the transaction card.
19 . The non-transitory computer-readable medium of claim 17 , wherein the instructions, when executed by the one or more processors, further cause operations comprising in response to receiving a second information package comprising the customer-specific URL embedded in the NFC tag at a second time, providing a prompt, via the display, to receive authentication information associated with the transaction card to activate the transaction card.
20 . The non-transitory computer-readable medium of claim 17 , wherein the customer-specific URL is valid for a predetermined number of uses.

Description

CROSS REFERENCE TO RELATED APPLICATIONS This application is a continuation of U.S. patent application Ser. No. 18/433,817, entitled “Systems and Methods for a Transaction Card Having a Customer-Specific URL,” filed Feb. 6, 2024, which is a continuation of U.S. patent application Ser. No. 16/703,381, entitled “Systems and Methods for a Transaction Card Having a Customer-Specific URL,” filed Dec. 4, 2019, which claims the benefit of and priority to U.S. Provisional Patent Application No. 62/902,247 entitled “Systems and Methods For Contactless Card Activation, Usage, and Account Access,” filed Sep. 18, 2019, all of which are incorporated herein by reference in their entireties. TECHNICAL FIELD Embodiments of the present disclosure relate to systems and methods for providing and using a contactless transaction card. BACKGROUND Financial institutions such as banks and other card issuers typically offer customers a variety of transaction cards (e.g., credit card, debit card, rewards card, etc.). A corresponding account for the transaction card is also created and provided by the institution. As a security measure, new transaction cards are typically issued to customers in an inactive state (i.e., unable to perform transactions). In operation, the transaction card may be provided to the customer and the customer is then expected to activate the card via, for example, calling an activation telephone line. Once activated, the transaction card may be used in a variety of transactions (e.g., to pay for goods or services). But, accessing the corresponding account of the transaction card may be difficult. In this regard, setting up and accessing online accounts associated with the card is usually a long and cumbersome process. Further, even activating the card may be cumbersome due to users'unwillingness to make the telephone call. Improvements are desired. SUMMARY One embodiment relates to a method of issuing and activating a transaction card. The method includes receiving, by a transaction card processing circuit, a transaction card application for a contactless transaction card from an applicant; issuing, by the transaction card processing circuit, a contactless transaction card based on the transaction card application, wherein the contactless transaction card comprises a uniform resource locator (URL) embedded thereon; and activating, by the transaction card processing circuit, the contactless transaction card in response to receiving information from a contactless communication between the contactless transaction card and a customer device, wherein the contactless communication causes access to a web site associated with the URL. Another embodiment relates to a method of activating a transaction card. The method includes receiving, via a contactless communication by a mobile device from the transaction card, information embedded on the transaction card comprising a uniform resource locator (URL); responding, by the mobile device, to the received information by automatically displaying a web page associated with the URL; and providing, by the mobile device, an indication of an activation of the transaction card. Still another embodiment relates to a system. The system includes a processor and a memory storing instructions that, when executed by the processor, cause various operations. The operations include: receive a transaction card application for a contactless transaction card from an applicant; issue the contactless transaction card based on the transaction card application, wherein the contactless transaction card comprises a uniform resource locator (URL) embedded thereon; and activate the contactless transaction card in response to receiving information from a contactless communication between the contactless transaction card and a customer device, wherein the contactless communication causes access to a web page associated with the URL for automatically activating the contactless transaction card. Yet another embodiment relates to a contactless card system. The contactless card system may be configured to activate a transaction card. The contactless card system may include a contactless card, a customer device, and a card issuer computing system. The customer device includes wireless chip and a processor. The wireless chip communicates with a contactless enabled chip on the contactless card in order to receive information stored on the contactless enabled chip in response to the contactless card being placed in close proximity to the wireless chip. The information stored on the contactless enabled chip includes a NFC tag, which signifies that the tag is transmitted via NFC. In some embodiments, the NFC tag includes a general URL embedded therein. In other embodiments, the NFC tag includes a customer specific URL embedded therein. In some embodiments, the NFC tag includes a password or other customer information embedded therein. The card issuer computing system includes an accounts database and a transact