Systems and methods for programmable payment cards and devices with loyalty-based payment applications

• US 8,074,877 B2
• Filed: 12/19/2008
• Issued: 12/13/2011
• Est. Priority Date: 12/24/2007
• Status: Active Grant

• Current Assignee: Dynamics Inc.
• Original Assignee: Dynamics Inc.
• Inventors: Mullen, Jeffrey David, Yen, Philip
• Primary Examiner(s): Frech, Karl D.
• Application Number:
  US12/339,058
• Publication Number:
  US 20090159700A1
• Time in Patent Office: 1,089 Days
• Field of Search: 235/487, 235/380, 235/375, 235/379
• US Class Current: 235/380
• CPC Class Codes: A61B 5/02 Detecting, measuring or recording pulse, heart rate, blood pressure or blood flow; Combined pulse/heart-rate/blood pressure determination; Evaluating a cardiovascular condition not otherwise provided for, e.g. using combinations of techniques provided for in this group with electrocardiography or electroauscultation; Heart catheters for measuring blood pressure
• CPC Class Codes: A61B 5/02042 Determining blood loss or bleeding, e.g. during a surgical procedure
• CPC Class Codes: G06F 3/0488 using a touch-screen or digitiser, e.g. input of commands through traced gestures
• CPC Class Codes: G06K 19/06187 with magnetically detectable marking
• CPC Class Codes: G06K 19/06206 the magnetic marking being emulated
• CPC Class Codes: G06K 19/07 with integrated circuit chips
• CPC Class Codes: G06K 19/0702 the arrangement including a battery
• CPC Class Codes: G06K 19/0704 the battery being rechargeable, e.g. solar batteries
• CPC Class Codes: G06K 19/0723 the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
• CPC Class Codes: G06K 19/0725 the arrangement being a circuit for emulating a plurality of record carriers, e.g. a single RFID tag capable of representing itself to a reader as a cloud of RFID tags
• 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 19/07703 the interface being visual
• CPC Class Codes: G06K 19/07705 the visual interface being a single light or small number of lights capable of being switched on or off, e.g. a series of LEDs
• CPC Class Codes: G06K 19/07707 the visual interface being a display, e.g. LCD or electronic ink
• CPC Class Codes: G06K 19/07709 the interface being a keyboard
• CPC Class Codes: G06K 19/07749 the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card
• CPC Class Codes: G06K 19/0775 arrangements for connecting the integrated circuit to the antenna
• CPC Class Codes: G06K 19/07766 comprising at least a second communication arrangement in addition to a first non-contact communication arrangement
• CPC Class Codes: G06K 19/07769 the further communication means being a galvanic interface, e.g. hybrid or mixed smart cards having a contact and a non-contact interface
• CPC Class Codes: G06K 19/07773 Antenna details antennas for wireless devices, e.g. RFID tags, in general H01Q1/22
• CPC Class Codes: G06K 19/083 : Constructional details
• CPC Class Codes: G06K 7/0004 : Hybrid readers
• CPC Class Codes: G06K 7/084 : sensing magnetic material by relative movement detecting flux changes without altering its magnetised state
• CPC Class Codes: G06K 7/087 : flux-sensitive, e.g. magnetic, detectors G06K7/10336 takes precedence
• CPC Class Codes: G06K 7/10297 : arrangements for handling protocols designed for non-contact record carriers such as RFIDs NFCs, e.g. ISO/IEC 14443 and 18092 cryptographic protocols H04L9/00; network security protocols H04L63/00; real-time communication protocols in data switching networks H04L65/00; network protocols for data switching network services H04L67/00
• CPC Class Codes: G06Q 20/18 : involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/20 : Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/34 : using cards, e.g. integrated circuit [IC] cards or magnetic cards
• 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 20/3415 : Cards acting autonomously as pay-media
• CPC Class Codes: G06Q 20/352 : Contactless payments by cards
• CPC Class Codes: G06Q 20/385 : using an alias or single-use codes
• CPC Class Codes: G06Q 20/401 : Transaction verification
• CPC Class Codes: G06Q 30/0222 : During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0241 : Advertisements
• CPC Class Codes: G06Q 30/0277 : Online advertisement
• CPC Class Codes: G06Q 30/0641 : Shopping interfaces
• CPC Class Codes: G06T 2207/10024 : Color image
• CPC Class Codes: G06T 2207/30004 : Biomedical image processing
• CPC Class Codes: G06T 7/62 : of area, perimeter, diameter or volume
• CPC Class Codes: G06V 10/24 : Aligning, centring, orientation detection or correction of the image
• CPC Class Codes: G06V 10/25 : Determination of region of interest [ROI] or a volume of interest [VOI]
• CPC Class Codes: G06V 2201/03 : Recognition of patterns in medical or anatomical images
• CPC Class Codes: G07F 7/0806 : Details of the card record carriers per se G06K
• 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 payment card (e.g., credit and/or debit card) or other device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. Data may include the type of reward that a user would like to earn as a result of making a purchase or the type of reward that a user would like to utilize to at least partially pay for a purchase.

Claims

1. A payment device card comprising:

a credit card account;

a first button associated with earning a first reward for said credit card account for a merchant transaction; and

a second button associated with earning a second reward for said credit card account for said merchant transaction, wherein selection of said first button causes information indicative of said first reward to be communicated through a communications device.

2. The payment device of claim 1, wherein said communications device comprises a dynamic magnetic stripe communications device.

3. The payment device of claim 1, wherein said communications device comprises an RF antenna.

4. The payment device of claim 1, wherein said communications device comprises an exposed chip.

5. The payment device of claim 1, further comprising:

a processor;

a battery; and

a display.

6. The payment device of claim 1, wherein said first reward comprises miles.

7. The payment device of claim 1, further comprising a third button for earning a third reward for said credit card account for said merchant transaction.

8. A payment device comprising:

a credit card account;

a first button associated with receiving new rewards for said credit card account for a merchant transaction; and

a second button associated with using acquired rewards for said credit card account for said merchant transaction, wherein selection of said second button causes information indicative of using a reward to be communicated through a communications device such that said acquired rewards are utilized to complete a purchase transaction.

9. The payment device of claim 8, wherein said communications device comprises a dynamic magnetic stripe communications device.

10. The payment device of claim 8, wherein said communications device comprises an RF antenna.

11. The payment device of claim 8, wherein said communications device comprises an exposed chip.

12. The payment device of claim 8, further comprising:

a processor;

a battery; and

a display.

13. The payment device of claim 8, further comprising:

an RF antenna; and

a processor.

14. The payment device of claim 8, further comprising a third button.

15. A payment device comprising:

a payment card account;

a first button associated with earning a first reward for said payment card account for a merchant transaction;

a second button associated with earning a second reward for said payment card account for said merchant transaction, wherein selection of said first button causes information indicative of said first reward to be communicated through a communications device; and

a display for displaying indicia indicative of said selection of said first button.

16. The payment device of claim 15, wherein said indicia comprises an online payment code.

17. The payment device of claim 15, wherein said communications device comprises a dynamic magnetic stripe communications device.

18. The payment device of claim 15, wherein said communications device comprises an RF antenna.

19. The payment device of claim 15, wherein said communications device comprises an exposed chip.

20. The payment device of claim 15, further comprising:

an RF antenna; and

a processor.

21. The payment device of claim 15, further comprising a third button.