Systems, Methods, And Apparatus For Using A Contactless Transaction Device Reader With A Computing System

• US 20100114773A1
• Filed: 10/31/2008
• Published: 05/06/2010
• Est. Priority Date: 10/31/2008
• Status: Active Grant

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Skowronek, Daniel P.
• Granted Patent: US 10,803,515 B2
• Time in Patent Office: Days
• US Class Current: 705/44
• 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 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

Embodiments of the invention may relate to systems, methods, and apparatus for using a contactless transaction device reader with a computing system. According to one embodiment, a system for conducting a transaction on a personal computing system using a contactless transaction device may include a communications interface operable to connect with a network, a memory, a contactless transaction device reader operable to communicate wirelessly with a contactless transaction device, and a processor in communication with the memory, the communications interface, and the contactless transaction device reader. The processor may be operable to cause the contactless transaction device reader to read information from the contactless transaction device, to verify that the user'"'"'s authority, to provide transaction information, based at least in part on the information read from the contactless transaction device, when conducting a transaction, and to transmit at least a portion of the transaction information to an entity.

Claims

1. A system for conducting a transaction on a personal computing system using a contactless transaction device, comprising:

a communications interface operable to connect with a network;

a memory comprising instructions for conducting transactions;

a contactless transaction device reader operable to communicate wirelessly with a contactless transaction device;

a processor in communication with the memory, the communications interface, and the contactless transaction device reader, and operable to execute the instructions to;

cause the contactless transaction device reader to read user information from the contactless transaction device;

verify that the user is authorized to use the contactless transaction device;

automatically provide transaction information, based at least in part on the user information read from the contactless transaction device, when conducting a transaction via the network; and

transmit at least a portion of the transaction information to an entity via the communications interface via the network.

2. The system of claim 1, wherein the contactless transaction device reader is integrated with the personal computing system.

3. The system of claim 1, wherein the contactless transaction device reader comprises a peripheral device in communication with the personal computing system.

4. The system of claim 1, wherein the contactless transaction device comprises a body, an antenna, and a microchip in communication with the antenna and operable to communicate with the contactless transaction device reader using a radio-frequency protocol.

5. The system of claim 1, wherein the information comprises at least one of:

name information, address information, billing information, shipping information, account information, user preference information, authorization information, or registration information.

6. The system of claim 1, wherein the transaction comprises a web-based contactless device registration transaction, wherein the information read from the contactless transaction device comprises registration information to facilitate registering the contactless transaction device with at least one entity, and wherein the processor is further operable to execute the instructions to:

automatically provide the transaction information, based at least in part on the registration information read from the contactless transaction device, when conducting the contactless device registration transaction via the network; and

transmit at least a portion of the registration information to the at least one entity via the network.

7. The system of claim 6, wherein the registration information comprises a web address associated with the entity for conducting the contactless transaction device registration transaction, and wherein the processor is further operable to execute the instructions to automatically request the web address via the communications interface via the network.

8. The system of claim 1, wherein the transaction comprises a web-based commercial transaction with a merchant, wherein the information read from the contactless transaction device comprises at least one of:

account information, name information, billing information, or shipping information, and wherein the processor is further operable to execute the instructions to;

automatically provide the transaction information, based at least in part on the information read from the contactless transaction device, when conducting the commercial transaction via the network; and

transmit at least a portion of the transaction information to the merchant via the network.

9. The system of claim 8, wherein the information comprises account information, and wherein the processor is further operable to execute the instructions to transmit at least one message to a financial institution associated with the account information notifying the financial institution of the commercial transaction.

10. The system of claim 9, wherein the processor is further operable to execute the instructions to transmit additional transaction information associated with the commercial transaction to the financial institution, wherein the additional transaction information comprises at least one of:

merchant information, price information, product information, or date information confirmation information.

11. A method for conducting a transaction using a contactless transaction device, comprising:

providing a personal computing system in communication with a network;

providing a contactless transaction device reader in communication with the personal computing system;

reading information from a contactless transaction device using the contactless transaction device reader;

verifying, by the computing system, that the user is authorized to use the contactless transaction device;

automatically providing, by the personal computing system, at a least a portion of transaction information, based at least in part on the information read from the contactless transaction device, when conducting a transaction via the network; and

transmitting at least a portion of the transaction information from the personal computing system to an entity via the network.

12. The method of claim 11, wherein reading information from the contactless transaction device comprises reading at least one of:

name information, address information, billing information, shipping information, account information, user preference information, authorization information, or registration information.

13. The method of claim 11, wherein the contactless transaction device reader is operable to communicate with a contactless transaction device comprising a body, an antenna, and a microchip in communication with the antenna according to at least one standard selected from the group consisting of ISO 14443, ISO 18092, and ISO 15693.

14. The method of claim 11, wherein:

the transaction comprises a web-based contactless device registration transaction;

reading information from the contactless transaction device comprises reading registration information to facilitate registering the contactless transaction device with at least one entity;

automatically providing at least a portion of the transaction information comprises automatically providing at least a portion of the transaction information, based at least in part on the registration information read from the contactless transaction device, when conducting the contactless device registration transaction via the network; and

transmitting at least a portion of the transaction information comprises transmitting at least a portion of the registration information from the personal computing system to the at least one entity via the network.

15. The method of claim 14, wherein the registration information comprises a web address associated with the entity for conducting the contactless device registration transaction, and further comprising automatically requesting the web address via the network by the personal computing system.

16. The method of claim 11, wherein:

the transaction comprises a web-based commercial transaction with a merchant;

reading information from the contactless transaction device comprises reading account information;

automatically providing at least a portion of the transaction information comprises automatically providing at least a portion of the transaction information, based at least in part on the account information read from the contactless transaction device, when conducting the commercial transaction via the network; and

transmitting at least a portion of the transaction information comprises transmitting at least a portion of the account information from the personal computing system to the merchant via the network.

17. The method of claim 16, further comprising transmitting at least one message to a financial institution associated with the account information notifying the financial institution of the commercial transaction.

18. The method of claim 17, further comprising transmitting transaction detail information associated with the commercial transaction to the financial institution, wherein the transaction detail information comprises at least one of:

merchant information, price information, product information, or date information confirmation information.

19. The method of claim 11, wherein:

the transaction comprises a web-based commercial transaction with a merchant;

reading user information from the contactless transaction device comprises reading at least one of;

name information, billing information, or shipping information;

automatically providing at least a portion of the transaction information comprises automatically providing at least a portion of the transaction information, based at least in part on the name information, billing information, or shipping information read from the contactless transaction device, when conducting the commercial transaction via the network; and

transmitting at least a portion of the transaction information comprises transmitting at least a portion of the name information, billing information, or shipping information from the personal computing system to the merchant via the network.

20. The method of claim 11, wherein transmitting at least a portion of the transaction information comprises transmitting information read from the contactless transaction device and additional authorization information to the entity, wherein at least one of the information read from the contactless transaction device or the additional authorization information is used by the entity to confirm the authority of the user of the contactless transaction device.

21. A method for controlling access to a personal computing system using a contactless transaction device, comprising:

providing a computing system;

providing a contactless transaction device reader in communication with the computing system and operable to communicate with a contactless transaction device; and

facilitating access to the computing system upon;

reading information from the contactless transaction device using the contactless transaction device reader;

receiving authorization input from a user;

determining that the authorization input is associated with the information read from the contactless transaction device; and

determining that the information read from the contactless transaction device is associated with the computing system.

22. The method of claim 21, wherein receiving authorization input from the user comprises receiving at least one of:

a personal identification number, a password, or a biometric identifier.

23. The method of claim 21, wherein determining that the authorization input is associated with the information read from the contactless transaction device further comprises:

transmitting the information read from the contactless transaction device and the authorization input to an entity via a network;

receiving confirmation that the authorization input is associated with the contactless transaction device from the entity via the network.