Dynamic Transaction Card Secure Updating System
Summary
The USPTO published patent application US20260111871A1, filed October 27, 2025 (Application No. 19369593), disclosing a system for securely updating an electronic transaction card with additional account data. The system uses pre-stored shell data populated from an issuer system and activates inactive data via a mobile device signal. Named inventors are James ZARAKAS, Adam KOEPPEL, Kevin KELLY, and David WURMFELD.
“A system for securely updating an electronic transaction card held by an account holder with an additional account and/or account data is described.”
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GovPing monitors USPTO Patent Applications - Business Methods (G06Q) for new banking & finance regulatory changes. Every update since tracking began is archived, classified, and available as free RSS or email alerts — 33 changes logged to date.
What changed
The USPTO published a patent application disclosing a system for securely updating an electronic transaction card held by an account holder with additional account and/or account data. The system employs pre-stored shell data that may be populated using data received from an issuer system, and inactive data that may be activated via an activation signal received from a mobile device.\n\nFinancial institutions and payment card issuers should note this application as a potential alternative approach to physical card reissuance for account additions. As an unexamined patent application, no enforcement or implementation timeline applies, and parties should monitor for any future prosecution history or issued patent claims.
Archived snapshot
Apr 25, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
SYSTEM, METHOD, AND APPARATUS FOR UPDATING AN EXISTING DYNAMIC TRANSACTION CARD
Application US20260111871A1 Kind: A1 Apr 23, 2026
Inventors
James ZARAKAS, Adam KOEPPEL, Kevin KELLY, David WURMFELD
Abstract
A system for securely updating an electronic transaction card held by an account holder with an additional account and/or account data is described. A dynamic transaction card may be securely updated with an additional account by using pre-stored shell data and/or inactive data, whereby the pre-stored shell data may be populated using data received from an issuer system and/or the inactive data may be activated via an activation signal received from a mobile device.
CPC Classifications
G06Q 20/353 G06K 19/02 G06K 19/045 G06K 19/0702 G06K 19/0704 G06K 19/0716 G06K 19/0717 G06K 19/0723 G06K 19/07705 G06K 19/07707 G06K 19/07722 G06K 19/07733 G06Q 20/04 G06Q 20/10 G06Q 20/3278 G06Q 20/341 G06Q 20/352 G06Q 20/354 G06Q 20/3552 G06Q 20/3563 G06Q 20/3574 G06Q 20/3829 G06Q 20/4016 G06Q 20/405 G06Q 20/409 G07F 7/0833 G07F 7/0846 G09B 21/008
Filing Date
2025-10-27
Application No.
19369593
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