RF PRESENTATION INSTRUMENT WITH SENSOR CONTROL

• US 20070267504A1
• Filed: 05/04/2006
• Published: 11/22/2007
• Est. Priority Date: 05/04/2006
• Status: Active Grant

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Beeson, Curt
• Granted Patent: US 9,466,057 B2
• Time in Patent Office: Days
• US Class Current: 235/492
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: H04M 1/72412 using two-way short-range wireless interfaces

Abstract

A presentation instrument is described which includes an input sensor, a memory unit, and an antenna configured to wirelessly transmit and receive data. The antenna is configured to receive a request for data stored on the memory unit, and may also be configured to induce a voltage from a magnetic field to power the presentation instrument. The input sensor may control whether the presentation instrument can be so powered from the magnetic field. Alternatively, input from the input sensor may otherwise control the functionality of the presentation instrument. By way of example, an input received by the input sensor may be transmitted in addition to the requested data. Additionally, a system is described to process the requested data and additional input data, in accordance with a rules data store.

Claims

1. A presentation instrument including an input sensor, the presentation instrument comprising:

a memory unit;

the input sensor configured to receive an input;

an antenna configured to;

wirelessly receive a first set of electromagnetic waves comprising a signal including a request for data stored on the memory unit; and

transmit a wireless signal comprising a second set of electromagnetic waves including data responsive to the request; and

a processing unit coupled with the memory unit, the input sensor, and the antenna, the processing unit configured to;

access the memory unit to retrieve the requested data; and

add an additional set of data to the requested data for transmission via the wireless signal, the additional set of data representative of the received input from the input sensor.

2. The presentation instrument of claim 1, wherein,

the memory unit further comprises a secure storage region;

and

the processing unit is configured to control access to the secure storage region based on an input received at the input sensor.

3. The presentation instrument of claim 2, wherein,

the processing unit is configured to prevent access to the secure storage region unless a substantially concurrent input is received at the input sensor.

4. The presentation instrument of claim 1, wherein the input sensor is limited to a first state and a second state.

5. The presentation instrument of claim 4, wherein

the received input from the input sensor comprises no input;

and

the received input causes the input sensor to be in the first state.

6. The presentation instrument of claim 1, wherein,

the input sensor comprises a plurality of input sensors;

and

different combinations of input among the plurality of sensors result in different resulting states for the input sensor.

7. The presentation instrument of claim 6, wherein the input sensor receives:

a biometric reading; and

a password input.

8. The presentation instrument of claim 7, wherein the password input comprises an input received at a subset of the plurality of input sensors.

9. The presentation instrument of claim 1, wherein,

the antenna is further configured to draw power from an external source to induce a voltage for the presentation instrument,

wherein the presentation instrument is prevented from being powered from the external source without an input received at the input sensor.

10. The presentation instrument of claim 1, wherein the input sensor includes one or more input sensors comprising a selection from the group consisting of a dual contact point switch, a capacitance switch, a light sensor, a multi-position slide switch, and any combination thereof.

11. The presentation instrument of claim 1, wherein the presentation instrument comprises a credit card, a debit card, an ATM card, a stored value card, a gift card, and any combination thereof.

12. A presentation instrument including an input means, the presentation instrument comprising:

means for wirelessly receiving a first set of electromagnetic waves comprising a signal including a request for data stored within the presentation instrument;

means for receiving an input;

means for storing data; and

means for wirelessly transmitting a second set of electromagnetic waves comprising a signal including;

a subset of the data from the storing means; and

data representative of the received input.

13. The presentation instrument of claim 12, further comprising:

a processing means configured to control access to a secure storage region based on an input received at the input means, wherein,

the means for storing data further comprises the secure storage region.

14. The presentation instrument of claim 12, further comprising:

means for wirelessly drawing power from an external source to induce a voltage for the presentation instrument,

wherein the presentation instrument is prevented from being powered from the external source without a substantially concurrent input received at the input means.

15. A presentation instrument including an input sensor for controlling access to a memory unit, the presentation instrument comprising:

the memory unit;

an antenna coupled with the memory unit, and configured to;

wirelessly receive a first set of electromagnetic waves comprising a signal including a request for data stored on the memory unit; and

transmit a wireless signal comprising a second set of electromagnetic waves including the requested data stored on the memory unit; and

the input sensor coupled with the memory unit and configured to receive an input, wherein the input received at the input sensor determines whether the requested data stored on the memory unit is transmitted.

16. The presentation instrument of claim 15, further comprising:

a processing unit coupled with the memory unit, and configured to allow access to an unsecured storage region regardless of the received input,

wherein the memory unit further comprises the unsecured storage region.

17. The presentation instrument of claim 15, further comprising:

a processing unit coupled with the input sensor, and configured to;

receive the input from the input sensor; and

control, based on the received input, whether the requested data stored on the memory unit is transmitted.

18. The presentation instrument of claim 15, wherein,

the antenna comprises an inductively coupled transponder configured to induce a voltage from a magnetic field to power the presentation instrument;

and

the received input modifies the configuration of the presentation instrument to control whether the presentation instrument may be powered from the magnetic field.

19. The presentation instrument of claim 18, wherein the received input modifies the configuration for a period of time after it is received, to allow the presentation instrument to be powered from the magnetic field for the period of time.

20. The presentation instrument of claim 15, wherein,

the memory unit further comprises an additional secure storage region;

and

the processing unit is configured to control access to the secure storage region based on an additional input received at the input sensor.

21. The presentation instrument of claim 15, wherein the input sensor is limited to a first state and a second state.

22. The presentation instrument of claim 21, wherein

the received input from the input sensor comprises no input;

and

the received input causes the input sensor to be in the first state.

23. The presentation instrument of claim 15, wherein,

the input sensor comprises a plurality of input sensors;

and

different combinations of input among the plurality of sensors result in different resulting states for the input sensor.

24. The presentation instrument of claim 15, wherein the input sensor includes one or more input sensors comprising a selection from the group consisting of a dual contact point switch, a capacitance switch, a light sensor, a multi-position slide switch, and any combination thereof.

25. A presentation instrument including an input means for controlling power to the device, the presentation instrument comprising:

means for wirelessly drawing power from an external source to produce a voltage for the presentation instrument;

means for receiving an input, wherein the input controls whether the presentation instrument is able to wirelessly draw power from the external source to produce a voltage for the presentation instrument;

means for wirelessly receiving a first set of electromagnetic waves comprising a signal including a set of data;

means for processing the received set of data; and

means for wirelessly transmitting a second set of electromagnetic waves comprising a responsive signal.

26. A system for processing data received from a presentation instrument with an input sensor, the system comprising:

a presentation instrument including a memory unit and an input sensor, and configured to wirelessly transmit a set of data comprising data from the memory unit and data representative of an input received via the input sensor; and

a host computer system communicatively coupled with the presentation instrument, the host computer system comprising;

a data store including rules for processing the data received from the memory unit of the presentation unit, wherein the rules identify one or more of a plurality of different outputs based at least in part on the data representative of the input received via the input sensor; and

one or more processing units coupled with the data store,

wherein the host computer system is configured to receive the set of data, and process the set of data by applying the set of data to the rules from the data store.

27. The system of claim 26, wherein the host computer system is further configured to transmit a selected one of the plurality of different outputs based at least in part on the input received via the input sensor of the presentation instrument.

28. The system of claim 26, wherein,

the set of data further includes a request for a transaction authorization for an account associated with the presentation instrument;

and

the plurality of outputs includes;

a first output authorizing the transaction;

a second output denying the transaction; and

a third output directing reuse of the presentation instrument with a valid user input.

29. The system of claim 28, wherein,

the transaction is defined by a selection from the group consisting of a location, merchant, time, amount, stock keeping unit (SKU) number, and any combination thereof;

and

the rules identify an output of the plurality of outputs based at least in part on the selection.