CONDUCTIVE PAYMENT DEVICE

• US 20150006376A1
• Filed: 06/27/2013
• Published: 01/01/2015
• Est. Priority Date: 06/27/2013
• Status: Abandoned Application

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: eBay Inc.
• Inventors: Akin, Jeremiah Joseph, Zamer, Kamal, Mekala, Jayasree, Nuthulapati, Praveen, Thaker, Nikhil Vijay, Paulson, Joseph Vernon
• Application Number:
  US13/929,458
• Publication Number:
  US 20150006376A1
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06K 19/07345 by activating or deactivating at least a part of the circuit on the record carrier, e.g. ON/OFF switches
• CPC Class Codes: G06K 19/07701 the record carrier comprising an interface suitable for human interaction
• CPC Class Codes: G06K 19/07743 External electrical contacts
• CPC Class Codes: G06Q 20/321 using wearable 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 20/40145 Biometric identity checks
• CPC Class Codes: G07F 7/0833 Card having specific functional components
• CPC Class Codes: G07F 7/0853 On-card keyboard means

Abstract

Systems and methods for providing a payment include determining that a conductive payment device has been positioned immediately adjacent a touch sensitive payment receiving device. A plurality of conductive identification elements that are communicated from the conductive payment device to the touch sensitive payment receiving device are detected and the relative positions of at least some of the plurality of conductive identification elements are determined. User payment account information is then retrieved using the determined relative positions of the at least some of the plurality of conductive identification elements. A payment request is then sent over a network to make a payment using the user payment account information.

Claims

1. A payment system, comprising:

a non-transitory memory storing payment receiving engine instructions;

one or more hardware processors coupled to the memory and operable to read the instructions from the memory to perform the steps of;

determining that a conductive payment device has been positioned immediately adjacent a touch sensitive payment receiving device;

detecting a plurality of conductive identification elements communicated from the conductive payment device to the touch sensitive payment receiving device and determining relative positions of at least some of the plurality of conductive identification elements;

retrieving user payment account information using the determined relative positions of the at least some of the plurality of conductive identification elements; and

sending a payment request over a network to make a payment using the user payment account information.

2. The system of claim 1, wherein the one or more hardware processors are further operable to read the instructions from the memory to perform the step of:

displaying, on the touch sensitive payment receiving device, a conductive payment device positioning area, wherein the determining that the conductive payment device has been positioned immediately adjacent the touch sensitive payment receiving device includes determining that the conductive payment device has been positioned immediately adjacent the conductive payment device positioning area.

3. The system of claim 1, wherein the one or more processors are further operable to read the instructions from the memory to perform the steps of:

receiving at least one user authentication factor that includes at least one of user passcode information received from a passcode input device and user biometric information received from a biometric input device; and

using the at least one authentication factor along with the determined relative positions of the at least some of the plurality of conductive identification elements for multi-factor authentication of a user associated with the user payment account information.

4. The system of claim 1, wherein the one or more processors are further operable to read the instructions from the memory to perform the step of:

detecting an orientation element communicated from the conductive payment device to the touch sensitive payment receiving device, wherein the orientation element is used to determine the relative positions of the at least some of the plurality of conductive identification elements.

5. The system of claim 1, wherein the touch sensitive payment receiving device includes a display that is housed in a tablet computer chassis, and wherein the memory and the at least one hardware processor are housed in the tablet computer chassis.

6. The system of claim 1, wherein the detecting the plurality of conductive identification elements communicated from the conductive payment device to the touch sensitive payment receiving device includes detecting a charge passed from a user, through a first conductive area on the conductive payment device, through at least one conductive line on the conductive payment device, and to each of the conductive identification elements.

7. A method for providing a payment, comprising:

determining that a conductive payment device has been positioned immediately adjacent a touch sensitive payment receiving device;

detecting, electronically by a hardware processor, a plurality of conductive identification elements communicated from the conductive payment device to the touch sensitive payment receiving device and determining the relative positions of at least some of the plurality of conductive identification elements;

retrieving user payment account information using the determined relative positions of the at least some of the plurality of conductive identification elements; and

sending a payment request over a network to make a payment using the user payment account information.

8. The method of claim 7, further comprising:

displaying, on the touch sensitive payment receiving device, a conductive payment device positioning area, wherein the determining that the conductive payment device has been positioned immediately adjacent the touch sensitive payment receiving device includes determining that the conductive payment device has been positioned immediately adjacent the conductive payment device positioning area.

9. The method of claim 7, further comprising:

receiving at least one user authentication factor that includes at least one of user passcode information received from a passcode input device and user biometric information received from a biometric input device; and

using the at least one authentication factor along with the determined relative positions of the at least some of the plurality of conductive identification elements for multi-factor authentication of a user associated with the user payment account information.

10. The method of claim 7, further comprising:

detecting an orientation element communicated from the conductive payment device to the touch sensitive payment receiving device, wherein the orientation element is used to determine the relative positions of the at least some of the plurality of conductive identification elements.

11. The method of claim 7, wherein the touch sensitive payment receiving device includes a display that is housed in a tablet computer chassis, and wherein the method is performed by at least one hardware processor that is housed in the tablet computer chassis and that reads instructions for performing the method from a memory that is housed in the tablet computer chassis.

12. The method of claim 7, wherein the detecting the plurality of conductive identification elements communicated from the conductive payment device to the touch sensitive payment receiving device includes detecting a charge passed from a user, through a first conductive area on the conductive payment device, through at least one conductive line on the conductive payment device, and to each of the conductive identification elements.

13. The method of claim 7, wherein the retrieving the user payment account information using the determined relative positions of the at least some of the plurality of conductive identification elements includes translating the determined relative positions into a linked account identifier and using the linked account identifier to retrieve the user payment account information that is associated with a user payment account that is linked to the conductive payment device.

14. A non-transitory machine-readable medium comprising a plurality of machine-readable instructions which, when executed by one or more processors, are adapted to cause the one or more processors to perform a method comprising:

determining that a conductive payment device has been positioned immediately adjacent a touch sensitive payment receiving device;

detecting a plurality of conductive identification elements communicated from the conductive payment device to the touch sensitive payment receiving device and determining the relative positions of at least some of the plurality of conductive identification elements;

retrieving user payment account information using the determined relative positions of the at least some of the plurality of conductive identification elements; and

sending a payment request over a network to make a payment using the user payment account information.

15. The non-transitory machine-readable medium of claim 14, wherein the method further comprises:

displaying, on the touch sensitive payment receiving device, a conductive payment device positioning area, wherein the determining that the conductive payment device has been positioned immediately adjacent the touch sensitive payment receiving device includes determining that the conductive payment device has been positioned immediately adjacent the conductive payment device positioning area.

16. The non-transitory machine-readable medium of claim 14, wherein the method further comprises:

receiving at least one user authentication factor that includes at least one of user passcode information received from a passcode input device and user biometric information received from a biometric input device; and

using the at least one authentication factor along with the determined relative positions of the at least some of the plurality of conductive identification elements for multi-factor authentication of a user associated with the user payment account information.

17. The non-transitory machine-readable medium of claim 14, wherein the method further comprises:

detecting an orientation element communicated from the conductive payment device to the touch sensitive payment receiving device, wherein the orientation element is used to determine the relative positions of the at least some of the plurality of conductive identification elements.

18. The non-transitory machine-readable medium of claim 14, wherein the touch sensitive payment receiving device includes a display that is housed in a tablet computer chassis, and wherein the method is performed by at least one hardware processor that is housed in the tablet computer chassis and that reads instructions for performing the method from the non-transitory machine-readable medium that is housed in the tablet computer chassis.

19. The non-transitory machine-readable medium of claim 14, wherein the detecting the plurality of conductive identification elements communicated from the conductive payment device to the touch sensitive payment receiving device includes detecting a charge passed from a user, through a first conductive area on the conductive payment device, through at least one conductive line on the conductive payment device, and to each of the conductive identification elements.

20. The non-transitory machine-readable medium of claim 14, wherein the retrieving the user payment account information using the determined relative positions of the at least some of the plurality of conductive identification elements includes translating the determined relative positions into a linked account identifier and using the linked account identifier to retrieve the user payment account information that is associated with a user payment account that is linked to the conductive payment device.