DYNAMIC PAYMENT DEVICE CHARACTERISTICS

• US 20110186626A1
• Filed: 12/01/2010
• Published: 08/04/2011
• Est. Priority Date: 02/15/2007
• Status: Active Grant

• Current Assignee: Gary Gerber, Thomas Manessis
• Original Assignee: Gary Gerber, Thomas Manessis
• Inventors: Gerber, Gary, Manessis, Thomas
• Granted Patent: US 8,931,691 B2
• Time in Patent Office: Days
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3415 Cards acting autonomously as pay-media
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A payment device is disclosed. It includes a memory including payment data; and a display coupled to the memory. A processor is configured to execute one or more instructions for displaying the payment data on the display. The payment device is in the form of a card

Claims

1-20. -20. (canceled)

21. A payment device configured to conduct transactions, comprising:

a display configured to display payment data for an account and non-payment data for the account,

wherein the payment data is dynamically generated for each transaction by a processor external to the payment device; and

a memory coupled to the display, the memory storing the payment data and the non-payment data for the account,

wherein the payment device is in a form of a card.

22. The payment device of claim 21, wherein the payment data comprises the primary account number associated with the account.

23. The payment device of claim 21, wherein the payment data comprises a card verification value.

24. The payment device of claim 21, wherein the non-payment data comprises a bank logo.

25. The payment device of claim 21, wherein the non-payment data comprises a coupon.

26. The payment device of claim 21, the payment device being in a form of a contactless card.

27. The payment device of claim 21, wherein the payment data comprises authentication data.

28. A method of using a payment device to conduct transactions, comprising:

displaying payment data for an account and non-payment data for the account on a display of the payment device, wherein the payment data is dynamically generated for each transaction by a processor external to the payment device; and

storing the payment data and the non-payment data in a memory of the payment device, wherein the payment device is in a form of a card.

29. The method of claim 28, further comprising:

performing a transaction using the payment data.

30. The method of claim 28, wherein the payment data comprises the primary account number associated with the account.

31. The method of claim 28, wherein the payment data comprises a card verification value.

32. The method of claim 28, wherein the non-payment data comprises a coupon.

33. The method of claim 28, wherein the payment device is in a form of a contactless card.

34. The method of claim 28, wherein the payment data comprises authentication data.

35. The method of claim 28, wherein the non-payment data comprises a bank logo.

36. A method of using a payment device to conduct transactions, comprising:

generating payment data for an account and non-payment data for the account, wherein the payment data is dynamically generated for each transaction by a processor external to the payment device; and

causing, using the processor external to the payment device, a display on the payment device to display the payment data and the non-payment data, wherein the payment data and the non-payment data are stored in a memory of the payment device and wherein the payment device is in a form of a card.

37. The method of claim 36, wherein the payment data comprises the primary account number associated with the account.

38. The method of claim 36, wherein the payment data comprises a card verification value.

39. The method of claim 36, wherein the non-payment data comprises a coupon.

40. The method of claim 36, wherein the payment device is in a form of a contactless card.