Method, system and portable consumer device using wildcard values

• US 7,350,702 B2
• Filed: 07/20/2006
• Issued: 04/01/2008
• Est. Priority Date: 09/03/2003
• Status: Expired due to Term

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Redford, Liane, Nguyen, Loc, Bortolin, Corinne
• Primary Examiner(s): ST CYR, DANIEL
• Application Number:
  US11/491,550
• Publication Number:
  US 20070012764A1
• Time in Patent Office: 621 Days
• Field of Search: 235/383, 235/375, 235/378, 235/380, 235/381, 235/385, 235/462.01, 235/462.45, 705/17, 705/28
• US Class Current: 235/383
• CPC Class Codes: G06Q 20/346 Cards serving only as information carrier of service
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/0215 Including financial accounts
• CPC Class Codes: G06Q 30/0224 based on user history
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: G06Q 30/0236 Incentive or reward received by requiring registration or ID from user
• 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 portable consumer device is disclosed. The portable consumer device includes a body and a computer readable medium coupled to the body. The computer readable medium comprises a data string including one or more wildcard values. The data string is specifically associated with the consumer. For example, the data string may represent one or more products that the consumer prefers to use.

Claims

1. A portable consumer device to be used by a consumer in a purchasing transaction, the portable consumer device comprising:

a body; and

a computer readable medium coupled to the body, the computer readable medium comprising a data string including one or more wildcard values, wherein the data string is specifically associated with the consumer, wherein the one or more wildcard values are associated with the purchasing transaction.

2. The portable consumer device of claim 1 wherein the portable consumer device is a smart card, and wherein the computer readable medium is in the form of an integrated circuit.

3. The portable consumer device of claim 1 wherein the portable consumer device is a smart card, wherein the body is a plastic body including an embossed region with a consumer'"'"'s identification, and wherein the computer readable medium is in the form of an integrated circuit.

4. The portable consumer device of claim 1 wherein the data string including one or more wildcard values encompasses identification codes for two or more different products.

5. The portable consumer device of claim 4 wherein the identification codes optionally include universal product codes (UPCs) or stock keeping units (SKUs).

6. The portable consumer device of claim 1 wherein the data string including one or more wildcard values encompasses two or more values.

7. The portable consumer device of claim 1 wherein the portable consumer device is pocket-sized.

8. The portable consumer device of claim 1 wherein the data string is specifically associated with a consumer'"'"'s purchasing preference.

9. The portable consumer device of claim 1 wherein the portable consumer device is a smart card, and wherein the portable consumer device further comprises a microprocessor coupled to the body.

20. The portable consumer device of claim 1 wherein the portable consumer device is a cellular phone.

21. The portable consumer device of claim 1 wherein the data string including one or more wildcard values represents a plurality of products associated with the purchasing transaction.

22. The portable consumer device of claim 1 wherein the data string represents a type of product associated with the purchasing transaction.

10. A method for using a portable consumer device to be used by a consumer in a purchasing transaction, the method comprising:

(a) providing for a portable consumer device comprising a computer readable medium coupled to a body, the computer readable medium comprising a first data string including one or more wildcard values, wherein the first data string is specifically associated with the consumer, wherein at least one wildcard value is associated with the purchasing transaction;

(b) retrieving the first data string;

(c) comparing the first data string to a second data string; and

(d) providing an output after (c).

11. The method of claim 10 wherein the second data string represents an identification code for an item, wherein the item is a consumer product.

12. The method of claim 10 wherein the second data string is a product identification code.

13. The method of claim 10 wherein the first data string is associated with a preference of the consumer.

14. The method of claim 10 wherein the first data string is associated with a product preference of the consumer.

15. The method of claim 10 wherein (c) is performed by a server computer, accessible through the Internet.

16. The method of claim 10 wherein the second data string is a universal product code or a stock keeping unit for a product and is encompassed by the first data string, and wherein (d) comprises informing the consumer that the consumer is entitled to a reward.

17. The method of claim 10 wherein the portable consumer device is in the form of a card, and wherein (b) comprises using a card access device (CAD) to retrieve the first data string.

18. The method of claim 17 wherein the first data string specifically associated with the consumer encompasses identification codes for products that the consumer is pre-authorized to purchase or encompasses Web sites or messages that the consumer cannot access.

19. The method of claim 17 wherein the card is a smart card, wherein the computer readable medium includes an integrated circuit, and wherein the portable consumer device further comprises a microprocessor.

23. A system comprising:

(a) a portable consumer device to be used by a consumer in a purchasing transaction, the portable consumer device comprising (i) a body and (ii) a computer readable medium coupled to the body, the computer readable medium comprising a data string including one or more wildcard values, wherein the data string is specifically associated with the consumer, wherein the one or more wildcard values are associated with the purchasing transaction; and

(b) an access device, wherein the access device is capable of retrieving the data string from the portable consumer device.

24. The system of claim 23 wherein the portable consumer device is a card, and wherein the access device is a card access device.

25. The system of claim 23 further comprising a cash register or a store system coupled to the access device.

26. The system of claim 24 further comprising a client computer coupled to the card access device, and a server computer coupled to the client computer through the Internet.

27. The system of claim 23 wherein the computer readable medium comprises an integrated circuit.

28. The system of claim 23 wherein the portable consumer device is a smart card.

29. A system for managing transactions with respect to a consumer in conducting a purchasing transaction, comprising:

a portable device configured to store a first data string having one or more wildcard values, wherein the first data string is specifically associated with the consumer, wherein the one or more wildcard values are associated with the purchasing transaction; and

an access device configured to communicate with the portable device and process a transaction relating to the consumer using the first data string.

30. The system of claim 29 wherein the first data string encompasses a plurality of product codes.

31. The system of claim 30 wherein the plurality of product codes include a universal product (UPC) or a stock keeping unit (SKU).

32. The system of claim 29 wherein the first data string represents one or more product preferences of the consumer.

33. The system of claim 29 wherein the first data string is updated by the access device depending on one or more products purchased during the transaction.

34. The system of claim 29 wherein the first data string encompasses a plurality of product codes corresponding to a plurality of products;

and wherein the first data string is used to determine whether the consumer is permitted to purchase one or more of the plurality of products during the transaction or is permitted access to a website or a specific message or a function.

35. The system of claim 29 wherein the first data string encompasses a plurality of product codes corresponding to a plurality of products;

and wherein the first data string is used to determine whether the consumer is entitled to receive a reward for the transaction.

36. The system of claim 35 wherein the first data string is further used to determine the reward to be received by the consumer.

37. The system of claim 29 further comprising:

a host configured to communicate with the access device;

wherein the access device is further configured to update the portable device using information provided by the host; and

wherein the information provided by the host includes an updated first data string.

38. The system of claim 37 wherein the host communicates with the access device via a communication medium including the Internet.

39. The system of claim 29 wherein the portable device includes a smart card.