WIRELESS DEVICES FOR STORING A FINANCIAL ACCOUNT CARD AND METHODS FOR STORING CARD DATA IN A WIRELESS DEVICE

• US 20170103384A1
• Filed: 12/22/2016
• Published: 04/13/2017
• Est. Priority Date: 09/15/2005
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Financial Corporation
• Inventors: Gannon, Gregory M.
• Granted Patent: US 10,163,104 B2
• Time in Patent Office: Days
• CPC Class Codes: G06K 19/08 using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means
• CPC Class Codes: G06K 7/087 flux-sensitive, e.g. magnetic, detectors G06K7/10336 takes precedence
• CPC Class Codes: G06K 7/089 hand-held scanners
• CPC Class Codes: G06K 7/10386 the interrogation device being of the portable or hand-handheld type, e.g. incorporated in ubiquitous hand-held devices such as PDA or mobile phone, or in the form of a portable dedicated RFID reader
• CPC Class Codes: G06K 7/10415 the interrogation device being fixed in its position, such as an access control device for reading wireless access cards, or a wireless ATM banking machines in general G07F19/00
• 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 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/353 Payments by cards read by M-devices
• CPC Class Codes: G06Q 20/3567 Software being in the reader
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: G07C 9/257 : electronically G07C9/26 takes precedence
• CPC Class Codes: G07C 9/26 : using a biometric sensor integrated in the pass

Abstract

A wireless device is enabled to receive a financial account card that is inserted into a card slot of the wireless device. The wireless device reads card data from the financial account card when it is inserted into the slot and programs an RFID (radio frequency identification) tag or a memory included in the wireless device. The wireless device may then be used to provide payment by transmitting the card data via radio frequency to a nearby RFID reader using the RFID tag. The financial account card may also be ejected from the wireless device and swiped by a magnetic card reader.

Claims

1-43. -43. (canceled)

44. A device for wirelessly authorizing a purchase transaction, the device comprising:

means for wirelessly communicating;

means for receiving first card data associated with a first financial account;

means for storing the first card data in the device;

means for displaying a selection menu indicating a plurality of associated financial accounts associated with card data stored in the device, the associated financial accounts including the first financial account;

means for receiving a selection of the first financial account from the indicated associated financial accounts; and

means for enabling the device to use at least one of the first card data or data associated with the first card data during the purchase transaction, based at least in part on the received selection.

45. The device of claim 44, wherein the device further comprises:

means for storing names identifying the associated financial accounts; and

means for displaying at least one of the stored names in the selection menu.

46. The device of claim 44, wherein the device further comprises:

means for displaying a graphical image in the selection menu that represents the first financial account.

47. The device of claim 44, wherein the device further comprises:

means for requesting authentication information to enable the device to use the first card data during the purchase transaction.

48. The device of claim 47, wherein the authentication information comprises a Personal Identification Number (PIN).

49. The device of claim 47, wherein the authentication information comprises biometric information.

50. The device of claim 47, wherein the device further comprises:

means for receiving the authentication information;

means for authenticating an individual associated with the first card data based at least in part on the authentication information; and

means for enabling, based on a successful authentication, wireless transmission of at least one of the first card data or data associated with the first card data to a point-of-sale terminal.

51. The device of claim 44, wherein the device is one of a handheld device, a cellular phone, or a PDA.

52. A method for wirelessly authorizing a purchase transaction, comprising:

a step for storing, in a wireless device, first card data associated with a first financial account and second card data associated with a second account;

a step for wirelessly receiving purchase transaction data identifying??? a purchase transaction;

a step for automatically selecting the first financial account to complete the purchase transaction; and

a step for wirelessly providing at least one of the first card data or data associated with the first card data for payment of the purchase transaction.

53. The method of claim 52, further comprising:

a step for storing, for each of the first financial account and the second financial account, at least one of a name or a graphic identifying the respective financial account; and

a step for displaying a selection menu including at least one of the stored names or graphics.

54. The method of claim 52, wherein the wireless device includes a cellular phone, a PDA, or a handheld device.

55. The method claim 52, wherein the purchase transaction data is wirelessly received via a radio frequency communication.

56. The method of claim 52, further comprising:

a step for authenticating use of the first card data before the completion of the purchase transaction.

57. The method of claim 56, wherein the authenticating step comprises requesting a Personal Identification Number (PIN).

58. The method of claim 56, wherein the authenticating step comprises requesting biometric information.

59. The method of claim 52, further comprising:

a step for authenticating an individual associated with the first card data before the step for wirelessly providing the first card data or data associated with the first card data for the payment of the purchase transaction.

60. A method for performing a purchase transaction, comprising:

a step for storing first card data associated with a first financial account in a device;

a step for receiving a selection of the first financial account from a plurality of financial accounts stored in the device; and

a step for enabling the device to use at least one of the first card data or data associated with the first card data for a purchase transaction based at least in part on the selection.

61. The method of claim 60, wherein the step for receiving a selection of the first financial account is based on the selection of a displayed name identifying the first financial account.

62. The method of claim 60, wherein the step for receiving a selection of the first financial account is based at least in part on the selection of a displayed graphical image that represents the first financial account.

63. The method of claim 60, further comprising:

a step for authenticating an individual before enabling the device to use the first card data for the purchase transaction.

64. The method of claim 63, wherein the step for authenticating an individual comprises requesting a Personal Identification Number (PIN).

65. The method of claim 63, wherein the step for authenticating an individual comprises requesting biometric information.

66. The method of claim 60, further comprising:

a step for authenticating an individual associated with the first card data based at least in part on the authentication information; and

a step for enabling, based on a successful authentication, wireless transmission of at least one of the first card data or data associated with the first card data to a point-of-sale terminal.

67. The method of claim 60, wherein the device is a handheld device, a cellular phone, or a PDA.

68. A wireless device for wirelessly authorizing a purchase transaction, comprising:

means for receiving first card data associated with a first financial account;

means for receiving second card data associated with a second financial account;

means for storing the first card data and the second card data in the wireless device;

means for receiving purchase transaction data reflecting the purchase transaction;

means for automatically selecting the first financial account to complete the purchase transaction based at least in part on the received purchase transaction data; and

means for wirelessly transmitting at least one of the first card data or data associated with the first card data from the wireless device to provide payment for the purchase transaction.

69. The wireless device of claim 68, further comprising:

means for storing, for each of the first financial account and the second financial account, at least one of a name or a graphic identifying the respective financial account; and

means for displaying a selection menu including at least one of the stored names or graphics.

70. The wireless device of claim 68, wherein the wireless device includes a cellular phone, PDA, or handheld device.

71. The wireless device of claim 68, further comprising:

means for requesting authentication information to enable the device to use the first card data during the purchase transaction.

72. The wireless device of claim 71, wherein the authentication information comprises at least one of a Personal Identification Number (PIN) or biometric information.

73. The wireless device of claim 68, further comprising:

means for authenticating an individual associated with the first card data based at least in part on the authentication information; and

means for enabling, based on a successful authentication, wireless transmission to a point-of-sale terminal of at least one of the first card data or data associated with the first card data.