Systems and methods for providing a RF transaction device operable to store multiple distinct accounts

• US 7,268,667 B2
• Filed: 03/10/2004
• Issued: 09/11/2007
• Est. Priority Date: 05/09/2003
• Status: Expired due to Fees

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Williamson, John R., Saunders, Peter D., Montgomery, Joshua L., Bonalle, David S., Bliman, Michal, Beenau, Blayn W.
• Primary Examiner(s): Wong, Don
• Assistant Examiner(s): VY, HUNG T
• Application Number:
  US10/708,550
• Publication Number:
  US 20050004921A1
• Time in Patent Office: 1,280 Days
• Field of Search: 707100-101, 707/203, 235/379, 235/380, 235/383, 705/41, 705/16, 705/40, 340/10.1, 340/10.5, 340/505, 380/338
• US Class Current: 340/10.1
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• 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 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G06Q 20/35765 Access rights to memory zones
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07F 17/0014 for vending, access and use of specific services not covered anywhere else in G07F17/00 meter-controlled dispensing of liquid, gas or electricity G07F15/00
• 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 RF transaction device is provided, which is operable to store multiple distinct data sets owned by unrelated data set owners, wherein the distinct data sets may include differing formats. The method includes the steps of: adding, by a read/write, a first data set to the RF transaction device, wherein the first data set is owned by a first owner; adding, by the read/write device, a second data set to the RF transaction device, wherein the second data set is owned by a second owner; and storing the first data set and the second data set on the RF transaction device in accordance with an owner defined format. The first and second data sets may each be stored as a Block of Binary. The first and second data sets are associated with first and second owners, respectively, and are configured to be stored independent of each other and in accordance with the particular data set storage protocol.

Claims

1. A method for adding a plurality of data sets onto a radio frequency (RF) transaction device, said RF transaction device comprising a database configured to store said plurality of data sets, the method comprising the steps of:

adding to said RF transaction device database, via an interaction device, a first data set of a first format, wherein said first data set is owned by a first data set owner;

adding to said RF transaction device database, via an interaction device, a second data set of a second format, wherein said second data set is owned by a second data set owner, wherein said first data set owner is distinct from said second data set owner, and said first format is different from said second format, said first data set being stored in accordance with said first format, and said second data set being stored in accordance with said second format; and

adding a condition header to at least one of said first and second data sets, said condition header identifies a status condition of said at least one of said first and second data sets; and

adding, via an interaction device, of a third data set of a third format to said RF transaction device, wherein said third data set is owned by said first owner,

wherein said RF transaction device configured to facilitate performing a financial transaction.

2. The method of claim 1, wherein said first data set is added before issuance of said RF transaction device, and wherein said second data set is added after issuance of said RF transaction device.

3. The method of claim 1, wherein the step of adding at least one of said first and second data sets is done in accordance with said condition header.

4. The method of claim 3, further comprising the step of adding of a third data set to said RF transaction device, wherein said third data set is stored, at least partially, in at least a portion of a data storage space that was used to store said second data set.

5. The method of claim 1, wherein said RE transaction device includes a transponder operable to communicate in a contactless environment.

6. The method of claim 1, wherein said first and second data sets are each stored as a block of binary information.

7. The method of claim 1, wherein said adding of said second data set is accomplished without involving any other data set owner.

8. The method of claim 1, further comprising the step of enrolling said first data set owner and said second data set owner in a multiple account management program, wherein said enrollment of said first data set owner and said second data set owner authorizes said adding of said first data set and said second data set to said database on said RF transaction device.

9. A system for adding a plurality of data sets onto a radio frequency (RF) transaction device, said RF transaction device comprising:

a first data storage area configured to store a first data set in a first format and a second data storage area configured to store a second data set in a second format different from said first format,

said first data set associated with a first data set owner and said first data storage area configured to store said first data set in said first format independent of said second data set, and

said second data set associated with said second data set owner and said second data storage area configured to store said second data set in said second format independent of said first data set; and

an interaction device configured to read and write data to said first and second data storage areas, said interaction device being configured to receive said first and second data sets, and to provide said first and second data sets to said RF transaction device, and said interaction device further being configured to receive a third data set of a third format and provide said third data set to said RF transaction device, wherein said third data set is owned by said first owner,

wherein at least one of said first and second data sets is annotated with a condition header, and

wherein said RF transaction device configured to facilitate performing a financial transaction.

10. The system of claim 9, wherein at least one of said first and second data sets is added in accordance with said condition header.

11. The RF transaction device of claim 9, further comprising a third data storage area, wherein said third data storage area is configured to receive data of any format.

12. The system of claim 9, wherein said first data set owner and said second data set owner are enrolled in a multiple account management program, said enrollment of said first data set owner and said second data set owner authorizes said provision of said first data set and said second data set to said RF transaction device.

13. A data management system comprising:

a radio frequency (RF) transaction device associated with a first data set of a first format and a second data set of a second format, wherein said first data set is owned by a first data set owner and said second data set is owned by a second owner different from said first data set owner, wherein said RF transaction device is configured to facilitate at least one of said second data set owner and a user of said RF transaction device in adding said second data set without involving said first data set owner, wherein at least one of said first and second data sets is annotated with a condition header, and wherein said RF transaction device configured to facilitate performing a financial transaction; and

an interaction device configured to communicate with said RF transaction device, said interaction device configured to receive said first and second data sets and to provide said first and second data sets to said RF transaction device and said interaction device further being configured to receive a third data set of a third format and provide said third data set to said RF transaction device, wherein said third data set is owned by said first owner.

14. The system of claim 13, wherein said first and second data sets are added via at least one of:

self-service kiosk and a personal computer.

15. The system of claim 13, wherein said first data set owner and said second data set owner are enrolled in a multiple account management program, said enrollment of said first data set owner and said second data set owner authorizes said provision of said first data set and said second data set to said RF transaction device.

16. A method for adding a plurality of data sets onto a radio frequency (RF) transaction device, said RF transaction device comprising a database configured to store said plurality of data sets, the method comprising the steps of:

adding to said RF transaction device database, via an interaction device, a first data set of a first format, wherein said first data set is owned by a first data set owner;

adding to said RF transaction device database, via an interaction device, a second data set of a second format, wherein said second data set is owned by a second data set owner, wherein said first data set owner is distinct from said second data set owner, and said first format is different from said second format, said first data set being stored in accordance with said first format, and said second data set being stored in accordance with said second format; and

adding a condition header to at least one of said first and second data sets, said condition header identifies a status condition of said at least one of said first and second data sets; and

adding, via an interaction device, of a third data set of a third format to said RF transaction device,

wherein said RF transaction device configured to facilitate performing a financial transaction.

17. A system for adding a plurality of data sets onto a radio frequency (RF) transaction device, said RF transaction device comprising:

a first data storage area configured to store a first data set in a first format and a second data storage area configured to store a second data set in a second format different from said first format,

said first data set associated with a first data set owner and said first data storage area configured to store said first data set in said first format independent of said second data set, and

said second data set associated with said second data set owner and said second data storage area configured to store said second data set in said second format independent of said first data set; and

an interaction device configured to read and write data to said first and second data storage areas, said interaction device being configured to receive said first and second data sets, and to provide said first and second data sets to said RF transaction device, and said interaction device further being configured to receive a third data set of a third format and provide said third data set to said RF transaction device,

wherein at least one of said first and second data sets is annotated with a condition header, and

wherein said RF transaction device configured to facilitate performing a financial transaction.

18. A data management system comprising:

a radio frequency (RF) transaction device associated with a first data set of a first format and a second data set of a second format, wherein said first data set is owned by a first data set owner and said second data set is owned by a second owner different from said first data set owner, wherein said RF transaction device is configured to facilitate at least one of said second data set owner and a user of said RF transaction device in adding said second data set without involving said first data set owner, wherein at least one of said first and second data sets is annotated with a condition header, and wherein said RF transaction device configured to facilitate performing a financial transaction; and

an interaction device configured to communicate with said RF transaction device, said interaction device configured to receive said first and second data sets and to provide said first and second data sets to said RF transaction device and said interaction device further being configured to receive a third data set of a third format and provide said third data set to said RF transaction device.

19. A method for adding a plurality of data sets onto a radio frequency (RF) transaction device, said RF transaction device comprising a database configured to store said plurality of data sets, the method comprising the steps of:

adding to said RF transaction device database, via an interaction device, a first data set of a first format, wherein said first data set is owned by a first data set owner;

adding to said RF transaction device database, via an interaction device, a second data set of a second format, wherein said second data set is owned by a second data set owner, wherein said first data set owner is distinct from said second data set owner, and said first format is different from said second format, said first data set being stored in accordance with said first format, and said second data set being stored in accordance with said second format; and

adding a condition header to at least one of said first and second data sets, said condition header identifies a status condition of said at least one of said first and second data sets; and

adding of a third data set to said RF transaction device, wherein said third data set is stored, at least partially, in at least a portion of a data storage space that was used to store said second data set,

wherein said RF transaction device configured to facilitate performing a financial transaction, and the step of adding at least one of said first and second data sets is done in accordance with said condition header.

20. A system for adding a plurality of data sets onto a radio frequency (RF) transaction device, said RF transaction device comprising:

a first data storage area configured to store a first data set in a first format and a second data storage area configured to store a second data set in a second format different from said first format,

said first data set associated with a first data set owner and said first data storage area configured to store said first data set in said first format independent of said second data set, and

said second data set associated with said second data set owner and said second data storage area configured to store said second data set in said second format independent of said first data set; and

an interaction device configured to read and write data to said first and second data storage areas, said interaction device being configured to receive said first and second data sets, and to provide said first and second data sets to said RF transaction device, the providing at least one of said first and second data sets being done in accordance with said condition header; and

said interaction device further being configured to receive a third data set and provide said third data set to said RF transaction device, wherein said third data set is stored, at least partially, in at least a portion of a data storage space that was used to store said second data set,

wherein at least one of said first and second data sets is annotated with a condition header, and

wherein said RF transaction device configured to facilitate performing a financial transaction.

21. A data management system comprising:

a radio frequency (RF) transaction device associated with a first data set of a first format and a second data set of a second format, wherein said first data set is owned by a first data set owner and said second data set is owned by a second owner different from said first data set owner, wherein said RF transaction device is configured to facilitate at least one of said second data set owner and a user of said RF transaction device in adding said second data set without involving said first data set owner, wherein at least one of said first and second data sets is annotated with a condition header, and wherein said RF transaction device configured to facilitate performing a financial transaction; and

an interaction device configured to communicate with said RF transaction device, said interaction device configured to receive said first and second data sets and to provide said first and second data sets to said RF transaction device, the providing at least one of said first and second data sets being done in accordance with said condition header, and said interaction device further being configured to receive a third data set and provide said third data set to said RE transaction device, wherein said third data set is stored, at least partially, in at least a portion of a data storage space that was used to store said second data set.