Dynamic Transaction Card System
ChangeBridge: EPO Bulletin - Business Methods (G06Q)
Summary
The European Patent Office published patent application EP4109372A1 for Capital One Services LLC, covering a dynamic transaction card system. The system enables real-time modification of transaction card parameters including credit limits and spending controls. The patent was filed with claims across multiple payment technology classifications.
What changed
EPO published Capital One's patent application EP4109372A1 for a dynamic transaction card system, filed by nine inventors including Zarakas, Markson, and others. The patent covers IPC classifications G06Q20/34 (payment cards), G06F21/81 (security), and related payment technology categories. The application designates 32 European states for protection.
This is a patent publication notice with no compliance requirements. Financial institutions and technology companies developing payment card solutions may review the patent claims to assess potential licensing needs or to ensure their products do not infringe on Capital One's protected technology. Patent prosecution timelines typically extend 3-5 years to grant.
Source document (simplified)
A SYSTEM, METHOD, AND APPARATUS FOR A DYNAMIC TRANSACTION CARD
Publication EP4109372A1 Kind: A1 Mar 25, 2026
Applicants
Capital One Services, LLC
Inventors
ZARAKAS, James, MARKSON, Theodore, KOEPPEL, Adam, KELLY, Kevin, BRIGGMAN, Brian, SANGI, Saleem, WURMFELD, David, LOCKE, Tyler, ESCALANTE, Karla
IPC Classifications
G06Q 20/34 20120101AFI20221114BHEP G06F 21/81 20130101ALI20221114BHEP G06K 19/07 20060101ALI20221114BHEP G06Q 20/04 20120101ALI20221114BHEP G06Q 20/10 20120101ALI20221114BHEP G06K 19/077 20060101ALI20221114BHEP G07F 7/08 20060101ALI20221114BHEP G06Q 20/32 20120101ALI20221114BHEP
Designated States
AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LI, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR
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