PAYMENT CARDS AND DEVICES OPERABLE TO RECEIVE POINT-OF-SALE ACTIONS BEFORE POINT-OF-SALE AND FORWARD ACTIONS AT POINT-OF-SALE
First Claim
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1. A system comprising:
- a payment card comprising;
an array of interfaces for receiving manual input indicative of a PIN and an amount of money for withdrawal; and
a magnetic emulator for communicating said manual input and a payment account number to an automated teller machine, wherein said automated teller machine utilizes said manual input and said payment account number to confirm a user identity and provide a graphical user interface on said automated teller machine having indicia representative of said amount of money for withdrawal.
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Abstract
A payment card or other device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. A user can utilize buttons located on the card to perform activities that would otherwise be performed at an ATM, payment card reader, or by a waitress. A user can provide instructions on a card to accelerate a transaction. The information a user enters can be communicated to a point-of-sale device. For example, a user can enter into his/her card that the user desires $100 withdrawal from a checking account. The user can also enter his/her PIN into the card. The user can swipe his/her card into an ATM and instantly be provided with the desired $100.
101 Citations
1 Claim
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1. A system comprising:
a payment card comprising; an array of interfaces for receiving manual input indicative of a PIN and an amount of money for withdrawal; and a magnetic emulator for communicating said manual input and a payment account number to an automated teller machine, wherein said automated teller machine utilizes said manual input and said payment account number to confirm a user identity and provide a graphical user interface on said automated teller machine having indicia representative of said amount of money for withdrawal.
Specification