System and method for managing private consumer accounts using branded loyalty cards and self-service terminals
First Claim
1. An identification medium system, comprising:
- storage for (1) a plurality of consumer profiles, each one of said consumer profiles comprising private account data relating to a consumer, (2) an association between a first account tag stored on a first identification medium and at least one said consumer profile, and (3) an association between a second account tag stored on a second identification medium and said consumer profile associated with said first account tag; and
a terminal in communication with said storage, said terminal comprising a memory, a processor, and at least one media reader adapted to read at least one of said first and second account tags, wherein said processor is configured by said memory to permit retrieval or modification of at least a portion of said private account data of said consumer profile associated with said first account tag upon said media reader reading said at least one of said first or second account tags.
4 Assignments
0 Petitions
Accused Products
Abstract
An identification medium system contains a computer-readable medium having a plurality of consumer profiles stored thereon, each consumer profile containing private account data relating to a consumer; and a terminal in communication with the computer-readable medium. The terminal containing a processor, a memory, and at least one media reader adapted to read (1) a first account tag stored on a first identification medium, wherein the first account tag corresponds to at least one consumer profile, and (2) a second account tag stored on a second identification medium (e.g., a credit or debit card issued by a financial institution). The processor is configured by the memory (1) to store on the computer-readable medium an association between the second account tag and the consumer profile corresponding to the first account tag, and (2) to permit retrieval or modification of at least a portion of the private account data of the consumer profile corresponding to the first account tag upon subsequent reading by the media reader of the second account tag stored on the second identification medium.
-
Citations
30 Claims
-
1. An identification medium system, comprising:
-
storage for (1) a plurality of consumer profiles, each one of said consumer profiles comprising private account data relating to a consumer, (2) an association between a first account tag stored on a first identification medium and at least one said consumer profile, and (3) an association between a second account tag stored on a second identification medium and said consumer profile associated with said first account tag; and
a terminal in communication with said storage, said terminal comprising a memory, a processor, and at least one media reader adapted to read at least one of said first and second account tags, wherein said processor is configured by said memory to permit retrieval or modification of at least a portion of said private account data of said consumer profile associated with said first account tag upon said media reader reading said at least one of said first or second account tags. - View Dependent Claims (2, 3, 4, 5, 6, 7)
-
-
8. An identification medium system, comprising:
-
a computer-readable medium having a plurality of consumer profiles stored thereon, each one of said consumer profiles comprising private account data relating to a consumer; and
a terminal in communication with said computer-readable medium, said terminal comprising a processor, a memory, and at least one media reader adapted to read (1) a first account tag stored on a first identification medium, wherein said first account tag corresponds to at least one said consumer profile, and (2) a second account tag stored on a second identification medium, wherein said processor is configured by said memory (1) to store on said computer-readable medium an association between said second account tag and said consumer profile corresponding to said first account tag, and (2) to permit retrieval or modification of at least a portion of said private account data of said consumer profile corresponding to said first account tag upon subsequent reading by said media reader of said second account tag stored on said second identification medium. - View Dependent Claims (9, 10, 11, 12, 13, 14)
-
-
15. A method of performing a transaction in an identification medium system, comprising the steps of:
-
storing a plurality of consumer profiles, each one of said consumer profiles comprising private account data relating to a consumer;
reading a first account tag stored on a first identification medium, wherein said first account tag corresponds to at least one said consumer profile;
reading a second account tag stored on a second identification medium;
storing an association between said second account tag and said consumer profile corresponding to said first account tag; and
permitting retrieval or modification of at least a portion of said private account data of said consumer profile corresponding to said first account tag upon subsequent reading of said second account tag stored on said second identification medium. - View Dependent Claims (16, 17, 18, 19, 20, 21)
-
-
22. A method of performing a transaction in an identification medium system, comprising the steps of:
-
storing (1) a plurality of consumer profiles, each one of said consumer profiles comprising private account data relating to a consumer, (2) an association between a first account tag stored on a first identification medium and at least one said consumer profile, and (3) an association between a second account tag stored on a second identification medium and said consumer profile associated with said first account tag, wherein said second identification medium is a public identification medium; and
permitting retrieval or modification of at least a portion of said private account data of said consumer profile associated with said first account tag upon reading of said second account tag stored on said second identification medium. - View Dependent Claims (23, 24, 25, 26, 27, 28)
-
-
29. An identification medium system, comprising:
-
means for storing a plurality of consumer profiles, each one of said consumer profiles comprising private account data relating to a consumer;
means for storing an association between a first account tag stored on a first identification medium and at least one said consumer profile;
means for storing an association between a second account tag stored on a second identification medium and said consumer profile associated with said first account tag;
means for reading at least one of said first and second account tags; and
means for permitting retrieval or modification of at least a portion of said private account data of said consumer profile associated with said first account tag upon reading of said at least one of said first or second account tags.
-
-
30. An identification medium system, comprising:
-
means for storing a plurality of consumer profiles, each one of said consumer profiles comprising private account data relating to a consumer;
means for reading (1) a first account tag stored on a first identification medium, wherein said first account tag corresponds to at least one said consumer profile, and (2) a second account tag stored on a second identification medium;
means for storing an association between said second account tag and said consumer profile corresponding to said first account tag; and
means for permitting retrieval or modification of at least a portion of said private account data of said consumer profile corresponding to said first account tag upon subsequent reading of said second account tag stored on said second identification medium.
-
Specification