SECURITY AUTHENTICATION USING PAYMENT CARD DISPLAY DEVICES AT ACCEPTED MERCHANT LOCATIONS

• US 20160342990A1
• Filed: 05/22/2015
• Published: 11/24/2016
• Est. Priority Date: 05/22/2015
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Inventors: Todasco, Michael Charles
• Granted Patent: US 9,959,540 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/0267 Wireless devices

Abstract

There are provided systems and methods for security authentication using payment card display devices at accepted merchant location. A user may be walking near or visiting a merchant location with a wireless smart payment card which may connect to a wireless beacon at the merchant location. The user'"'"'s payment card may communicate issuer and type of payment card data when connected with the wireless beacon. The beacon may communicate the user'"'"'s payment card data to a merchant device or server. The merchant device or server may compare user'"'"'s payment card data to merchant'"'"'s accepted payment sources. The merchant device or server may alert user'"'"'s payment card via communication through the wireless beacon, the payment card is accepted at the merchant location. Additionally, security identification and/or advertisements may be communicated to the user'"'"'s accepted payment card.

Claims

1. A system comprising:

an account module comprising at least one hardware processor that accesses a payment card data received by a wireless beacon when the payment card signally connects to the wireless beacon at a merchant location for a merchant, accesses at least one accepted payment sources data for the merchant, determines at least one matching data in the at least one accepted payment sources data using the payment card and the at least one accepted payment sources, alerts at least one of the payment card and a merchant device at the merchant location based on the at least one matching data, determines a security code to authenticate the payment card with the merchant device on display of the security code at the merchant location, and communicates the security code to the payment card and the merchant device;

a database stored to a non-transitory memory that stores the at least one accepted payment sources data and the payment card data; and

a network interface component that receives the payment card data received by the wireless beacon from the payment card and the at least one accepted payment sources data and transmits the alerts to at least one of the wireless beacon and the merchant device at the merchant location.

2. The system of claim 1, wherein the payment card is a contactless smart payment card comprising a controller, a memory and an antenna.

3. The system of claim 1, wherein the payment card and the wireless beacon connect using one of near field communication, Bluetooth communication, Bluetooth Low Energy (BLE) communication, WiFi communication, and LTE Direct communication.

4. The system of claim 1, wherein a mobile device connects to the wireless beacon and the payment card.

5. The system of claim 1, wherein the payment card data comprises at least one of a type of the payment card and a name of the issuer of the payment card.

6. The system of claim 1, wherein the payment card is alerted by activation of an LED contained on the payment card, the alert comprises the payment card is accepted at the merchant location.

7. The system of claim 1, wherein the payment card is alerted by a message communicated to a display contained on the payment card, the alert comprises the payment card is accepted at the merchant location.

8. The system of claim 7, wherein additional messages are communicated to a display contained on the payment card, the additional messages comprises at least one of a security message and an advertising message.

9. The system of claim 1, wherein a payment card is recommended from a plurality of alerted payment cards through a message communicated to a display contained on the recommended payment card, the recommendation is based on a comparison of payment card rewards and merchant offers available on each of the alerted payment cards.

10. A method comprising:

receiving, via a network interface component, a payment card data from a wireless beacon, wherein the payment card data is previously received by the wireless beacon when the payment card signally connects to the wireless beacon at a merchant location;

accessing, by account module comprising at least one hardware processor, at least one accepted payment sources data for a merchant;

determining at least one matching data from the payment card and the at least one accepted payment sources;

alerting, via at least one of the network interface component and the wireless beacon, the payment card and a merchant device at the merchant location based on the at least one matching data;

determining a security code to authenticate the payment card with the merchant device on display of the security code at the merchant location; and

communicating the security code to the payment card and the merchant device.

11. The method of claim 10, wherein the security code further comprises a security message to the payment card for display on the payment card that is unique to the merchant location.

12. The method of claim 11, wherein the security message is further provided to the merchant device.

13. The method of claim 11, wherein the security message comprises a coded message alerting the merchant that the payment card or a transaction is fraudulent if the payment card is unauthorized or reported as stolen.

14. The method of claim 10, wherein the accessing the at least one accepted payment sources data comprises accessing the at least one accepted payment sources data from at least one of a merchant server and a payment provider server.

15. The method of claim 10, wherein alerting the payment card comprises activation of an LED contained on the payment card, the alert comprises the payment card is accepted at the merchant location.

16. The method of claim 10, wherein alerting the payment card comprises a message communicated to a display contained on the payment card, the alert comprises the payment card is accepted at the merchant location.

17. The method of claim 16, wherein alerting the payment card further comprises an additional messages communicated to a display contained on the payment card, the additional messages comprises at least one of a security message and an advertising message.

18. The method of claim 10, wherein the alerting further comprises a payment card that includes an RFID to receive a certain frequency communication associated with a particular payment card issuer, and wherein a wireless beacon at a merchant location communicatively broadcasts at the certain frequency communication of the particular payment card issuer, the payment card responds by activating an LED contained on the payment card.

19. The method of claim 10, wherein determining at least one matching data from the payment card and the at least one accepted payment sources further comprises recommending a payment card from a plurality of accepted payment cards through a message communicated to a display contained on the recommended payment card, the recommendation is based on a comparison of payment card rewards and merchant offers available on each of the alerted payment cards.

20. A non-transitory computer-readable medium comprising executable modules which, in response to execution by a computer system, cause the computer system to perform a method comprising:

receiving, via a network interface component, a payment card data from a wireless beacon, wherein the payment card data is previously received by the wireless beacon when the payment card signally connects to the wireless beacon at a merchant location;

accessing, by account module comprising at least one hardware processor, at least one accepted payment sources data for a merchant;

determining at least one matching data from the payment card and the at least one accepted payment sources;

alerting, via at least one of the network interface component and the wireless beacon, the payment card and a merchant device at the merchant location based on the at least one matching data;

determining a security code to authenticate the payment card with the merchant device on display of the security code at the merchant location; and

communicating the security code to the payment card and the merchant.