Electronic payment instrument and packaging

• US 8,296,233 B2
• Filed: 06/27/2011
• Issued: 10/23/2012
• Est. Priority Date: 10/09/2006
• Status: Active Grant

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Robbins, Peter, Newbrough, Keith, Algiene, Ken
• Primary Examiner(s): Colbert, Ella
• Assistant Examiner(s): Shaikh, Mohammad Z
• Application Number:
  US13/169,088
• Publication Number:
  US 20110315762A1
• Time in Patent Office: 484 Days
• Field of Search: 705 35- 45, 705/1.1
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/352 Contactless payments by cards

Abstract

Methods and systems provide and utilize a transceiver-based electronic payment device to consumers in an arrangement which allows for convenient carrying of the device and payment using the device.

Claims

1. An electronic payment device comprising:

a transceiver comprising a memory that stores an identifier, wherein the identifier is configured to be used to identify an account used to make a purchase at a point of sale;

an attachment coupled with the transceiver, wherein the attachment is configured to couple the transceiver with a first carrier; and

an enclosure removably coupled with the transceiver, wherein;

the enclosure is configured to function as a second carrier; and

the enclosure is configured to be separated from the transceiver for the transceiver to be coupled with the first carrier, wherein the transceiver comprises an antenna.

2. The electronic payment device of claim 1, wherein the enclosure removably houses the transceiver.

3. The electronic payment device of claim 1, further comprising:

packaging configured to display the electronic payment device for sale.

4. The electronic payment device of claim 3, wherein the enclosure is removably coupled with the packaging.

5. The electronic payment device of claim 1, wherein the attachment is configured to mechanically removably couple the transceiver with the first carrier.

6. The electronic payment device of claim 1, wherein the transceiver comprises an RFID tag.

7. The electronic payment device of claim 6, wherein the first carrier is a cellular phone.

8. An electronic payment device comprising:

a first means for wirelessly transmitting an identifier, wherein the identifier is configured to be used to identify an account used to make a purchase at a point of sale

a second means for coupling the first means with a first carrier; and

a third means removably coupled with the first means, wherein;

the third means is configured to function as a second carrier; and

the third means is configured to be separated from the first means for the first means to be coupled with the first carrier, wherein the first means comprises an antenna.

9. The electronic payment device of claim 8, wherein the third means removably houses the first means.

10. The electronic payment device of claim 8, further comprising:

a fourth means configured to display the electronic payment device for sale.

11. The electronic payment device of claim 10, wherein the third means is removably coupled with the fourth means.

12. The electronic payment device of claim 8, wherein the second means is configured to mechanically removably couple the first means with the first carrier.

13. The electronic payment device of claim 8, wherein the first means comprises an RFID tag.

14. The electronic payment device of claim 13, wherein the first carrier is a cellular phone.

15. A method for using an electronic payment device, the method comprising:

providing the electronic payment device, comprising;

a transceiver comprising a memory that stores an identifier, wherein the identifier identifies an account used to make purchases at points of sale;

an attachment coupled with the transceiver, wherein the attachment is configured to couple the transceiver with a first carrier; and

an enclosure that removably houses the transceiver;

removing the transceiver from the enclosure; and

coupling the transceiver with the first carrier using the attachment, wherein the transceiver comprises an antenna; and

further comprising executing a payment transaction using the transceiver.

16. The method for using the electronic payment device of claim 15, wherein the electronic payment device further comprises packaging configured to display the electronic payment device for sale.

17. The method for using the electronic payment device of claim 15, wherein coupling the transceiver with the first carrier comprises mechanically removably coupling the transceiver with the first carrier.

18. The method for using the electronic payment device of claim 15, wherein the transceiver comprises an RFID tag.

19. The method for using the electronic payment device of claim 15, wherein the first carrier is a cellular phone.