MOBILE DEVICE WITH REWRITABLE GENERAL PURPOSE CARD

• US 20130191279A1
• Filed: 01/20/2012
• Published: 07/25/2013
• Est. Priority Date: 01/20/2012
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Ross, Erik Stephen, CALMAN, Matthew A.
• Application Number:
  US13/355,274
• Publication Number:
  US 20130191279A1
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of 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 20/347 Passive cards
• CPC Class Codes: G06Q 20/353 Payments by cards read by M-devices
• CPC Class Codes: G06Q 20/354 Card activation or deactivation
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G06Q 20/3572 Multiple accounts on card
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G07F 7/0846 On-card display means
• CPC Class Codes: G07F 7/086 by passive credit-cards adapted therefor, e.g. constructive particularities to avoid counterfeiting, e.g. by inclusion of a physical or chemical security-layer for security documents G07D7/00; for the reading of record-carriers in general G06K7/00; for the design of coded credit-cards G06K19/10
• 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 mobile device with a rewritable general purpose card is disclosed. The mobile device includes a mobile wallet accessible to the user such that the user may select a payment vehicle (e.g., debit card, credit card, gift card, etc.) or other vehicle (e.g., merchant loyalty cards, membership cards, rewards cards, medical cards, insurance cards, identification cards, etc.) and encode data related to that vehicle to the rewritable general purpose card. The user may then utilize the encoded general purpose card to make a transaction. Generally, the general purpose card includes one or more displays which may be configured to display information, graphics, data, etc. (e.g. account number, expiration date, user identification such as name and/or photograph, card brand logo, bar codes or other codes readable to an electronic device, etc.).

Claims

1. A mobile device for configuring a general purpose transaction card comprising a magnetic stripe and a plurality of electronic displays on one face of the general purpose transaction card, the mobile device comprising:

a memory device;

a user interface configured to present information to a user; and

a processing device operatively coupled to the memory device and the user interface, wherein the processing device is configured to execute computer-readable program code to;

display, via the user interface, one or more transaction vehicles in an electronic mobile wallet, the one or more transaction vehicles being selectable to the user;

receive a transaction vehicle selection from the user;

encode data related to the selected vehicle onto a magnetic stripe of a general purpose transaction card, wherein the general purpose transaction card is separate from the mobile device; and

configure each of the plurality of electronic displays on the one face of the general purpose transaction card to display information related to the selected transaction vehicle including, at least, a card verification value (CVV) of the selected transaction vehicle.

2. The mobile device of claim 1, further comprising a general purpose transaction card interface that houses the general purpose transaction card, the general purpose transaction card interface including a magnetic stripe encoder for encoding the data onto the magnetic stripe of the general purpose transaction card and an electronic display encoder for programing the plurality of electronic displays of the general purpose transaction card.

3. The mobile device of claim 1, wherein the plurality of electronic displays comprise persistent displays.

4. The mobile device of claim 3, wherein the plurality of electronic displays comprises electronic ink displays.

5. The mobile device of claim 1, wherein the general purpose transaction card does not include a power source.

6. The mobile device of claim 1, further comprising a biometric security device.

7. The mobile device of claim 1, wherein the processing device is further configured to execute computer-readable program code to reset the general purpose transaction card erasing magnetic data encoded on the magnetic stripe and altering the plurality of electronic displays.

8. The mobile device of claim 7, wherein the resetting of the general purpose transaction card is completed upon returning of the general purpose card to the mobile device.

9. The mobile device of claim 1, wherein the one or more transaction vehicles comprise payment vehicles.

10. The mobile device of claim 1, wherein the one or more transaction vehicles comprise non-payment transaction vehicles selected from the group comprising merchant loyalty cards, membership cards, rewards cards, medical cards, insurance cards, and identification cards.

25. The mobile device of claim 1, wherein at least one of the plurality of electronic displays is further configured to information related to the selected transaction vehicle comprising an expiration data.

11. A method for configuring a general purpose transaction card comprising a magnetic stripe and a plurality of electronic displays on one face of the general purpose transaction card, the method comprising:

executing, by a processing device of an electronic mobile device, an electronic mobile wallet comprising one or more transaction vehicles selectable to a user;

encoding data related to a user-selected transaction vehicle onto the magnetic stripe of the general purpose transaction card; and

configuring each of the plurality of electronic displays on the general purpose transaction card to display information related to the selected transaction vehicle including, at least, a card verification value (CVV) of the selected transaction vehicle.

12. The method of claim 11, wherein the mobile device comprises a general purpose transaction card interface that houses the general purpose transaction card, the general purpose transaction card interface including a magnetic stripe encoder for encoding the data onto the magnetic stripe of the general purpose transaction card and an electronic display encoder for programing the plurality of electronic displays of the general purpose transaction card.

13. The method of claim 11, wherein the one or more electronic displays comprise electronic ink displays.

14. The method of claim 11, further comprising resetting the general purpose transaction card erasing magnetic data encoded on the magnetic stripe and altering the plurality of electronic displays.

15. The method of claim 11, wherein the one or more vehicles comprise non-payment transaction vehicles selected from the group comprising merchant loyalty cards, membership cards, rewards cards, medical cards, insurance cards, and identification cards.

26. The method of claim 11, wherein the information related to the selected transaction vehicle displayed via each of the plurality of electronic displays of the general purpose transaction card includes any one or more of an account number, a customer name, a customer photo, a graphic, an issuing institution, a customer service telephone number, an expiration date, a user name, a transaction vehicle type, or a card branding.

16. A method for performing, using a general purpose card comprising a magnetic stripe and a plurality of electronic displays on one face of the general purpose transaction card, a transaction comprising:

selecting a transaction vehicle from an electronic mobile wallet of a mobile device, wherein upon selecting the transaction vehicle, the mobile device encodes data related to the selected transaction vehicle onto the magnetic stripe of the general purpose transaction card and configures each of the plurality of electronic displays on the one face of the general purpose transaction card to display information related to the selected transaction vehicle including, at least, a transaction vehicle type, wherein the transaction vehicle type includes any one or a combination of a credit card, a debit card, a loyalty card, a membership card, a rewards cards, a medical card, or an insurance card;

removing the general purpose transaction card from the mobile device;

utilizing the general purpose transaction card to perform the transaction; and

returning the general purpose transaction card to the mobile device.

17. The method of claim 16, wherein the mobile device comprises a general purpose transaction card interface that houses the general purpose transaction card, the general purpose transaction card interface including a magnetic stripe encoder for encoding the data onto the magnetic stripe of the general purpose card and an electronic display encoder for programing the plurality of displays on the face of the general purpose transaction card.

18. The method of claim 16, wherein the plurality of electronic displays on the face comprises electronic ink displays.

19. The method of claim 16, wherein the one or more vehicles comprise non-payment transaction vehicles selected from the group comprising merchant loyalty cards, membership cards, rewards cards, medical cards, insurance cards, and identification cards.

20. A computer program product comprising a non-transitory computer-readable medium comprising instructions for a processing device of a mobile device for configuring a general purpose transaction card comprising a magnetic stripe and a plurality of electronic displays on one face of the general purpose transaction card, when the instruction are executed by the processing device causes the mobile device to:

execute an electronic mobile wallet application comprising one or more transaction vehicles selectable to a user;

encode data related to a selected transaction vehicle onto the magnetic stripe of the general purpose transaction card; and

configure each of the plurality of electronic displays on the one face of the general purpose transaction card to display information related to the selected transaction vehicle including, at least, a card verification value (CVV) of the selected transaction vehicle.

21. The computer program product of claim 20, wherein the mobile device comprises a general purpose transaction card interface that houses the general purpose transaction card, the general purpose transaction card interface including a magnetic stripe encoder for encoding the data onto the magnetic stripe of the general purpose transaction card and an electronic display encoder for programing the plurality of displays on the face of the general purpose transaction card.

22. The computer program product of claim 20, wherein the plurality of electronic displays on the face of the general purpose card comprise electronic ink displays.

23. The computer program product of claim 20, further comprising instructions for a processing device of a mobile device to reset the general purpose transaction card erasing magnetic data encoded on the magnetic stripe and altering the plurality of electronic displays on the face of the general purpose card.

24. The computer program product of claim 20, wherein the one or more vehicles comprise non-payment transaction vehicles selected from the group comprising merchant loyalty cards, membership cards, rewards cards, medical cards, insurance cards, and identification cards.

27. The computer program product of claim 20, wherein information related to the selected transaction vehicle shown via each of the plurality of electronic displays of the general purpose transaction card includes any one or more of an account number, a customer name, a customer photo, a graphic, an issuing institution, a customer service telephone number, an expiration date, a user name, a transaction vehicle type, or a card branding.