Augmented reality numberless transaction card

• US 10,713,645 B1
• Filed: 11/01/2017
• Issued: 07/14/2020
• Est. Priority Date: 07/24/2014
• Status: Active Grant

• Current Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Original Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Inventors: Neale, John Ross, Breed, William R., Singh, Jasvir K., Carolan, Geraldine M., Collings, Kristine, Eidam, Kourtney
• Primary Examiner(s): Le, Thien M
• Assistant Examiner(s): Taylor, April A
• Application Number:
  US15/801,060
• Time in Patent Office: 986 Days
• CPC Class Codes: G06F 3/0488 using a touch-screen or digitiser, e.g. input of commands through traced gestures
• CPC Class Codes: G06F 3/16 Sound input; Sound output speech processing G10L
• CPC Class Codes: G06K 1/128 by electric registration, e.g. electrolytic, spark erosion recording apparatus for measuring instruments G01D15/06; information storage in general G11
• CPC Class Codes: G06K 19/06206 the magnetic marking being emulated
• 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: G06Q 20/327 Short range or proximity payments by means of M-devices
• 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 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/355 Personalisation of cards for use
• CPC Class Codes: G06Q 20/357 Cards having a plurality of specified features
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: G06T 11/00 2D [Two Dimensional] image generation
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence

Abstract

A method implemented on an augmented reality (AR) electronic device includes receiving a request to activate a transaction card account on a transaction card. The transaction card account is activated on the transaction card. A virtual representation of account information corresponding to the transaction card account is displayed on the AR electronic device. The exterior of the transaction card is free of account identifying information.

Claims

1. A system, comprising:

a user-worn augmented reality (AR) device configured to send an activating command; and

a transaction card, the transaction card comprising;

a plastic housing;

a wireless communication device;

a memory configured to store account information for a plurality of transaction card accounts;

a computing device configured to activate one of the plurality of transaction card accounts when the activating command for the one of the plurality of transaction card accounts is received by the wireless communication device at the transaction card; and

an account information delivery element including a dynamic magnetic stripe configured to deliver data related to the activated one of the plurality of transaction card accounts,

wherein, the transaction card does not have any account identifying information displayed on the transaction card, and wherein the account information is only visible to a user through the AR device.

2. The system of claim 1, further comprising a near-field communication device.

3. The system of claim 1, wherein the wireless communication device is a radio frequency identification (RFID) device.

4. The system of claim 1, wherein activating one of the plurality of transaction card accounts comprises configuring the transaction card to be enabled for transaction card transactions using the activated one of the plurality of transaction card accounts.

5. The system of claim 1, wherein the computing device is further configured to:

deactivate the activated one of the plurality of transaction card accounts when an activating command for another one of the plurality of transaction card accounts is received at the transaction card; and

activate the another one of the plurality of transaction card accounts.

6. The system of claim 1, wherein the activating command is initiated by a verbal command.

7. The system of claim 6, wherein the activating command is initiated by a nickname for the one of the plurality of transaction card accounts.

8. The system of claim 1, wherein the account identifying information includes any account numbers, card verification value (CVV) numbers, and expiration dates.