Wireless devices for storing a financial account card and methods for storing card data in a wireless device

• US 10,163,104 B2
• Filed: 12/22/2016
• Issued: 12/25/2018
• Est. Priority Date: 09/15/2005
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Inventors: Gannon, Gregory M.
• Primary Examiner(s): Khattar, Rajesh
• Application Number:
  US15/388,518
• Publication Number:
  US 20170103384A1
• Time in Patent Office: 733 Days
• CPC Class Codes: G06K 19/08 using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means
• CPC Class Codes: G06K 7/087 flux-sensitive, e.g. magnetic, detectors G06K7/10336 takes precedence
• CPC Class Codes: G06K 7/089 hand-held scanners
• CPC Class Codes: G06K 7/10386 the interrogation device being of the portable or hand-handheld type, e.g. incorporated in ubiquitous hand-held devices such as PDA or mobile phone, or in the form of a portable dedicated RFID reader
• CPC Class Codes: G06K 7/10415 the interrogation device being fixed in its position, such as an access control device for reading wireless access cards, or a wireless ATM banking machines in general G07F19/00
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/353 Payments by cards read by M-devices
• CPC Class Codes: G06Q 20/3567 Software being in the reader
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: G07C 9/257 : electronically G07C9/26 takes precedence
• CPC Class Codes: G07C 9/26 : using a biometric sensor integrated in the pass

Abstract

A wireless device is enabled to receive a financial account card that is inserted into a card slot of the wireless device. The wireless device reads card data from the financial account card when it is inserted into the slot and programs an RFID (radio frequency identification) tag or a memory included in the wireless device. The wireless device may then be used to provide payment by transmitting the card data via radio frequency to a nearby RFID reader using the RFID tag. The financial account card may also be ejected from the wireless device and swiped by a magnetic card reader.

Claims

1. A device for wirelessly authorizing a purchase transaction, the device comprising:

means for wirelessly communicating;

means for receiving an account card within a portion of the device;

means for holding the account card in the portion of the device;

means for receiving a first card information from the account card, the first card information being associated with a first financial account;

means for storing the first card information in the device in an encrypted form as first card data;

means for ejecting the account card from the portion of the device;

means for displaying a selection menu indicating a plurality of associated financial accounts associated with a plurality of card data stored in the device, the plurality of associated financial accounts including the first financial account;

means for receiving a selection of the first financial account from the indicated plurality of associated financial accounts;

means for determining whether the account card associated with the selected first financial account is held in the portion of the device;

means for establishing an identity of a user associated with the first financial account responsive to a determination that the account card associated with the first financial account is not held in the portion of the device; and

means for enabling the device to use at least one of the first card data or data associated with the first card data during the purchase transaction, based at least in part on the received selection, wherein the device is enabled if the account card is determined to be held in the portion of the device.

2. The device of claim 1, wherein the device further comprises:

means for storing names identifying the associated financial accounts; and

means for displaying at least one of the stored names in the selection menu.

3. The device of claim 1, wherein the device further comprises:

means for displaying a graphical image in the selection menu that represents the first financial account.

4. The device of claim 1, wherein the device further comprises:

means for requesting authentication information to enable the device to use the first card data during the purchase transaction.

5. The device of claim 4, wherein the authentication information comprises a Personal Identification Number (PIN).

6. The device of claim 4, wherein the authentication information comprises biometric information.

7. The device of claim 4, wherein the device further comprises:

means for receiving the authentication information;

means for authenticating an individual associated with the first card data based at least in part on the authentication information; and

means for enabling, based on a successful authentication, wireless transmission of at least one of the first card data or data associated with the first card data to a point-of-sale terminal.

8. The device of claim 1, wherein the device is one of a handheld device, a cellular phone, or a PDA.

9. A wireless device for wirelessly authorizing a purchase transaction, comprising:

means for receiving a first account card within a portion of the device;

means for holding the first account card in the portion of the device;

means for receiving a first card information from the first account card, the first card information being associated with a first financial account;

means for ejecting the first account card from the portion of the device;

means for receiving second card information from a second account card, the second information data being associated with a second financial account;

means for storing the first card information and the second card information in the wireless device in an encrypted form as first card data and second card data;

means for receiving purchase transaction data reflecting the purchase transaction;

means for automatically selecting the first financial account to complete the purchase transaction based at least in part on the received purchase transaction data;

means for determining whether the account card associated with the selected first financial account is held in the portion of the device;

means for establishing an identity of a user associated with the first financial account responsive to a determination that the first account card associated with the first financial account is not held in the portion of the device; and

means for wirelessly transmitting at least one of the first card data or data associated with the first card data from the wireless device to provide payment for the purchase transaction, wherein the device transmits the at least one of the first card data or data associated with the first card data if the first account card is determined to be held in the portion of the device.

10. The wireless device of claim 9, further comprising:

means for storing, for each of the first financial account and the second financial account, at least one of a name or a graphic identifying the respective financial account; and

means for displaying a selection menu including at least one of the stored names or graphics.

11. The wireless device of claim 9, wherein the wireless device includes a cellular phone, PDA, or handheld device.

12. The wireless device of claim 9, further comprising:

means for requesting authentication information to enable the device to use the first card data during the purchase transaction.

13. The wireless device of claim 12, wherein the authentication information comprises at least one of a Personal Identification Number (PIN) or biometric information.

14. The wireless device of claim 12, further comprising:

means for authenticating the user associated with the first card data based at least in part on the authentication information; and

means for enabling, based on a successful authentication, wireless transmission to a point-of-sale terminal of at least one of the first card data or data associated with the first card data.