Systems and methods for programmable payment cards and devices with loyalty-based payment applications

• US 10,579,920 B2
• Filed: 12/19/2008
• Issued: 03/03/2020
• Est. Priority Date: 12/24/2007
• Status: Active Grant

• Current Assignee: Dynamics Inc.
• Original Assignee: Dynamics Inc.
• Inventors: Mullen, Jeffrey David, Yen, Philip
• Primary Examiner(s): Mikels, Matthew
• Application Number:
  US12/339,102
• Publication Number:
  US 20090159673A1
• Time in Patent Office: 4,092 Days
• Field of Search: 235380, 235375, 235487, 235492, 705 5, 705 35- 45
• CPC Class Codes: A61B 5/02 Detecting, measuring or recording pulse, heart rate, blood pressure or blood flow; Combined pulse/heart-rate/blood pressure determination; Evaluating a cardiovascular condition not otherwise provided for, e.g. using combinations of techniques provided for in this group with electrocardiography or electroauscultation; Heart catheters for measuring blood pressure
• CPC Class Codes: A61B 5/02042 Determining blood loss or bleeding, e.g. during a surgical procedure
• CPC Class Codes: G06F 3/0488 using a touch-screen or digitiser, e.g. input of commands through traced gestures
• CPC Class Codes: G06K 19/06187 with magnetically detectable marking
• CPC Class Codes: G06K 19/06206 the magnetic marking being emulated
• CPC Class Codes: G06K 19/07 with integrated circuit chips
• CPC Class Codes: G06K 19/0702 the arrangement including a battery
• CPC Class Codes: G06K 19/0704 the battery being rechargeable, e.g. solar batteries
• CPC Class Codes: G06K 19/0723 the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
• CPC Class Codes: G06K 19/0725 the arrangement being a circuit for emulating a plurality of record carriers, e.g. a single RFID tag capable of representing itself to a reader as a cloud of RFID tags
• CPC Class Codes: G06K 19/07345 by activating or deactivating at least a part of the circuit on the record carrier, e.g. ON/OFF switches
• CPC Class Codes: G06K 19/07703 the interface being visual
• CPC Class Codes: G06K 19/07705 the visual interface being a single light or small number of lights capable of being switched on or off, e.g. a series of LEDs
• CPC Class Codes: G06K 19/07707 the visual interface being a display, e.g. LCD or electronic ink
• CPC Class Codes: G06K 19/07709 the interface being a keyboard
• CPC Class Codes: G06K 19/07749 the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card
• CPC Class Codes: G06K 19/0775 arrangements for connecting the integrated circuit to the antenna
• CPC Class Codes: G06K 19/07766 comprising at least a second communication arrangement in addition to a first non-contact communication arrangement
• CPC Class Codes: G06K 19/07769 the further communication means being a galvanic interface, e.g. hybrid or mixed smart cards having a contact and a non-contact interface
• CPC Class Codes: G06K 19/07773 Antenna details antennas for wireless devices, e.g. RFID tags, in general H01Q1/22
• CPC Class Codes: G06K 19/083 : Constructional details
• CPC Class Codes: G06K 7/0004 : Hybrid readers
• CPC Class Codes: G06K 7/084 : sensing magnetic material by relative movement detecting flux changes without altering its magnetised state
• CPC Class Codes: G06K 7/087 : flux-sensitive, e.g. magnetic, detectors G06K7/10336 takes precedence
• CPC Class Codes: G06K 7/10297 : arrangements for handling protocols designed for non-contact record carriers such as RFIDs NFCs, e.g. ISO/IEC 14443 and 18092 cryptographic protocols H04L9/00; network security protocols H04L63/00; real-time communication protocols in data switching networks H04L65/00; network protocols for data switching network services H04L67/00
• CPC Class Codes: G06Q 20/18 : involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/20 : Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/34 : using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/341 : Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/3415 : Cards acting autonomously as pay-media
• CPC Class Codes: G06Q 20/352 : Contactless payments by cards
• CPC Class Codes: G06Q 20/385 : using an alias or single-use codes
• CPC Class Codes: G06Q 20/401 : Transaction verification
• CPC Class Codes: G06Q 30/0222 : During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0241 : Advertisements
• CPC Class Codes: G06Q 30/0277 : Online advertisement
• CPC Class Codes: G06Q 30/0641 : Shopping interfaces
• CPC Class Codes: G06T 2207/10024 : Color image
• CPC Class Codes: G06T 2207/30004 : Biomedical image processing
• CPC Class Codes: G06T 7/62 : of area, perimeter, diameter or volume
• CPC Class Codes: G06V 10/24 : Aligning, centring, orientation detection or correction of the image
• CPC Class Codes: G06V 10/25 : Determination of region of interest [ROI] or a volume of interest [VOI]
• CPC Class Codes: G06V 2201/03 : Recognition of patterns in medical or anatomical images
• CPC Class Codes: G07F 7/0806 : Details of the card record carriers per se G06K
• CPC Class Codes: G07F 7/1008 : Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A payment card (e.g., credit and/or debit card) or other device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. Data may include the type of reward that a user would like to earn as a result of making a purchase or the type of reward that a user would like to utilize to at least partially pay for a purchase.

Claims

1. A payment device comprising:

a first button associated with a first reward for a payment card account number; and

a second button associated with a second reward for said payment card account number,

wherein selection of said first button causes information indicative of said first reward to be communicated through a card reader communications device with said payment card account number to be utilized to complete a purchase and earn a first amount of said first reward, wherein manual input changes said association of said second reward to said second button to an association of said second reward with said first button.

4. The payment device of claim 1, wherein said card reader communications device is a dynamic magnetic stripe communications device.

5. The payment device of claim 1, wherein said card reader communications device is a magnetic emulator.

6. The payment device of claim 1, wherein said card reader communications device is a magnetic encoder.

7. The payment device of claim 1, further comprising a battery.

8. The payment device of claim 1, further comprising:

a battery; and

a display.

23. The device of claim 1, wherein said device is a battery-powered card.

24. The device of claim 1, wherein said device is a phone.

25. The device of claim 1, wherein said first reward includes a point reward.

26. The device of claim 1, wherein said first reward includes a cash-back reward.

27. The device of claim 1, wherein said first reward includes miles.

28. The device of claim 1, further comprising a display.

29. The device of claim 1, further comprising an IC chip.

30. The device of claim 1, further comprising an RFID.

31. The device of claim 1, further comprising a processor and an IC chip.

32. The device of claim 1, further comprising a processor, an IC chip, and an RFID.

33. The device of claim 1, further comprising a processor, an IC chip, an RFID, and a display.

34. The device of claim 1, further comprising a first display and a second display.

35. The device of claim 1, further comprising a light emitting diode.

36. The device of claim 1, further comprising a first light emitting diode and a second light emitting diode.

37. The device of claim 1, further comprising a first light emitting diode associated with said first button and a second light emitting diode associated with said second button.

38. The device of claim 1, further comprising a third button.

39. The device of claim 1, further comprising a third button and a fourth button.

40. The device of claim 1, further comprising a hologram.

41. The device of claim 1, further comprising a light sensor.

42. The device of claim 1, wherein a donation based on said purchase is provided to charity.

43. The device of claim 1, wherein said first reward is a charity reward.

2. A payment device comprising:

a first button associated with acquiring rewards for a payment card account number; and

a second button associated with using acquired rewards for said payment card account number, wherein selection of said second button causes information indicative of using at least a portion of said acquired rewards to be communicated through a card reader communications device with said payment card account number such that at least a portion of said acquired rewards are utilized to complete a purchase transaction.

9. The payment device of claim 2, wherein said card reader communications device is a dynamic magnetic stripe communications device.

10. The payment device of claim 2, wherein said card reader communications device is a magnetic emulator.

11. The payment device of claim 2, further comprising a battery.

12. The payment device of claim 2, further comprising a display.

13. The payment device of claim 2, further comprising an IC chip, wherein an award balance is received via said IC chip.

14. The payment device of claim 2, wherein said acquired rewards are points.

15. The payment device of claim 2, wherein said acquired rewards are airline miles.

16. The payment device of claim 2, wherein said payment card account number is a credit card account number.

44. The device of claim 2, wherein said device is a battery-powered card.

45. The device of claim 2, wherein said device is a phone.

46. The device of claim 2, further comprising a third button.

47. The device of claim 2, further comprising a hologram.

48. The device of claim 2, further comprising a light sensor.

49. The device of claim 2, further comprising an RFID.

50. The device of claim 2, further comprising a processor and an IC chip.

51. The device of claim 2, further comprising a processor, an IC chip, and an RFID.

52. The device of claim 2, further comprising a processor, an IC chip, an RFID, and a display.

3. A payment device comprising:

a first button associated with a first reward for a payment card account number;

a second button associated with a second reward for said payment card account number; and

a third button associated with a third reward for said payment card account number, wherein selection of said first button causes information indicative of said first reward to be communicated through a card reader communications device with said payment card account number to be utilized to complete a purchase and earn said first reward.

17. The payment device of claim 3, wherein said card reader communications device is a dynamic magnetic stripe communications device.

18. The payment device of claim 3, wherein said card reader communications device is a magnetic emulator.

19. The payment device of claim 3, wherein said first reward is a cash-back reward and said second reward is a point reward.

20. The payment device of claim 3, further comprising:

a battery; and

a display.

21. The payment device of claim 3, wherein said payment card account number is a credit card account number.

22. The payment device of claim 3, wherein said payment card account number is a credit card account number, said first reward is a cash-back reward, and said second reward is a point reward.

53. The device of claim 3, wherein said device is a battery-powered card.

54. The device of claim 3, wherein said device is a phone.

55. The device of claim 3, further comprising a fourth button.

56. The device of claim 3, further comprising a hologram.

57. The device of claim 3, further comprising a light sensor.

58. The device of claim 3, further comprising an RFID.

59. The device of claim 3, further comprising a processor and an IC chip.

60. The device of claim 3, further comprising a processor, an IC chip, and an RFID.

61. The device of claim 3, further comprising a processor, an IC chip, an RFID, and a display.