DEVICE INCLUDING FORM FACTOR INDICATOR

• US 20090266881A1
• Filed: 04/28/2009
• Published: 10/29/2009
• Est. Priority Date: 04/29/2008
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Hammad, Ayman
• Granted Patent: US 8,770,470 B2
• Time in Patent Office: Days
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [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 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/0233 Method of redeeming a frequent usage reward

Abstract

A consumer device is disclosed. The device comprises a body, and a memory comprising a computer readable medium disposed on or within the body. The computer readable medium comprises a form factor indicator element coupled to the body. The form factor indicator element indicates the form factor for the consumer device.

Claims

1. A consumer device comprising:

a body; and

a memory comprising a computer readable medium disposed on or within the body, the computer readable medium comprising code for a form factor indicator element coupled to the body.

2. The consumer device of claim 1 further comprising:

a processor coupled to the computer readable medium.

3. The consumer device of claim 1 wherein the consumer device is a phone.

4. The consumer device of claim 1 wherein the consumer device is in the form of a card.

5. A method comprising:

receiving, at a server computer, an authorization request message comprising a form factor indicator element, wherein the form factor indicator element was previously stored in a consumer device;

analyzing the authorization request message; and

performing additional processing based on the form factor indicator element.

6. The method of claim 5 further comprising:

wherein performing additional processing comprises initiating the sending of a notification message to the consumer device.

7. The method of claim 6 wherein the consumer device is a phone.

8. The method of claim 5 wherein the form factor indicator element comprises device security feature data.

9. The method of claim 5 wherein the authorization request message further comprises device communication technology features data.

10. The method of claim 5 wherein the authorization request message comprises a BIN.

11. A computer usable medium having a computer readable program code embodied therein, said computer readable program code adapted to be executed by a processor to implement a method processing a form factor indicator, the method comprising:

receiving an authorization request message comprising a form factor indicator element, wherein the form factor indicator element was previously stored in a consumer device;

analyzing the authorization request message; and

performing additional processing based on the form factor indicator element.

12. The computer useable medium of claim 11 wherein the form factor indicator element comprises device security feature data.

13. The computer useable medium of claim 11 wherein the authorization request message further comprises device communication technology features data.

14. A server computer comprising the processor and the computer readable medium of claim 11 coupled to the processor.

15. A system comprising the server computer of claim 14.

16. A method comprising:

obtaining a portable consumer device comprising a body, and a memory comprising a computer readable medium disposed on or within the body, the computer readable medium comprising code for a form factor indicator element coupled to the body; and

using the portable consumer device to interact with an access device, wherein the access device thereafter generates and sends an authorization request message to an issuer associated with the portable consumer device.

17. The method of claim 16 wherein the portable consumer device is a phone.

18. The method of claim 16 wherein the portable consumer device is a card.

19. The method of claim 16 wherein the form factor indicator element comprises device security feature data.

20. The method of claim 16 wherein the authorization request message is sent to the issuer via a payment processing network.