Wearable article having point of sale payment functionality
First Claim
1. A wearable article configured for providing payment information to a point of sale terminal, the wearable article comprising:
- an electronic device carried by the wearable article wearable by a customer, the electronic device comprising;
an energy storage element configured to power the electronic device;
a memory device configured for storing account information corresponding to two or more accounts owned by the customer;
a communication device configured for;
receiving a signal from the point of sale terminal requesting payment information;
receiving a financial indicator from a remote device, the financial indicator based at least in part on a financial health state associated with the customer, the financial health state based at least in part on a comparison between a current balance of one or more accounts associated with the customer and a pre-established threshold stored as part of a pre-established financial indicator profile, the financial indicator being communicated by the remote device in accordance with a pre-established financial indicator profile;
a user output device operatively coupled to the communication device and configured to communicate user output to the customer based at least partially on the financial indicator received by the communication device; and
a processing device coupled with the energy storage element, the memory device, and the communication device, the processing device configured for receiving a communication from the communication device corresponding to a request for payment information from the point of sale terminal, receiving customer input selecting one of the two or more accounts owned by the customer, presenting to the customer an indicator indicating the account selected by the customer, reading at least a portion of the account information, the portion corresponding with the selected account, from the memory device, and instructing the communication device to communicate the portion of the account information read from the memory device to the point of sale terminal in response to the request.
1 Assignment
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Accused Products
Abstract
A wearable article is configured for providing payment information to a point of sale terminal during a transaction. The wearable article, in some embodiments, includes a band configured for wrapping around a body part of the customer and for carrying an electronic device. In some embodiments, the band has an attachment system for removably securing the band to the body part of the customer. The electronic device includes an energy storage element, a memory device, a communication device and a processing device. The processing device is configured for receiving a communication from the point of sale terminal requesting payment information for completion of the transaction. The processing device reads account information from the memory device and communicates payment information to the point of sale terminal. In some embodiments, the wearable article receives power from a field generated by the point of sale terminal.
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Citations
32 Claims
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1. A wearable article configured for providing payment information to a point of sale terminal, the wearable article comprising:
an electronic device carried by the wearable article wearable by a customer, the electronic device comprising; an energy storage element configured to power the electronic device; a memory device configured for storing account information corresponding to two or more accounts owned by the customer; a communication device configured for; receiving a signal from the point of sale terminal requesting payment information; receiving a financial indicator from a remote device, the financial indicator based at least in part on a financial health state associated with the customer, the financial health state based at least in part on a comparison between a current balance of one or more accounts associated with the customer and a pre-established threshold stored as part of a pre-established financial indicator profile, the financial indicator being communicated by the remote device in accordance with a pre-established financial indicator profile; a user output device operatively coupled to the communication device and configured to communicate user output to the customer based at least partially on the financial indicator received by the communication device; and a processing device coupled with the energy storage element, the memory device, and the communication device, the processing device configured for receiving a communication from the communication device corresponding to a request for payment information from the point of sale terminal, receiving customer input selecting one of the two or more accounts owned by the customer, presenting to the customer an indicator indicating the account selected by the customer, reading at least a portion of the account information, the portion corresponding with the selected account, from the memory device, and instructing the communication device to communicate the portion of the account information read from the memory device to the point of sale terminal in response to the request. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. A method for providing payment information to a point of sale terminal, the method comprising:
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powering, by an energy storage element of an electronic device, the electronic device carried by a wearable article wearable by a customer; receiving, by a communication device of the electronic device and from a remote device, a financial indicator based at least in part on a financial health state associated with the customer, the financial health state based at least in part on a comparison between a current balance of one or more accounts associated with the customer and a pre-established threshold stored as part of a pre-established financial indicator profile, the financial indicator being communicated by the remote device in accordance with a pre-established financial indicator profile; communicating, by a user output device of the electronic device, user output to the customer based at least partially on the financial indicator received by the communication device; receiving, at a processing device of the electronic device, a signal from the point of sale terminal requesting payment information; receiving customer input selecting one of two or more accounts owned by the customer; presenting to the customer an indicator indicating the account selected by the customer, reading, using the processing device, at least a portion of account information stored at a memory device of the electronic device, the portion corresponding with the selected account; and instructing, by the processing device of the electronic device, a communication device of the electronic device to communicate the portion of account information corresponding with the selected account to the point of sale terminal in response to the request. - View Dependent Claims (22, 23, 24, 25, 26)
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27. A computer program product for providing payment information to a point of sale terminal, the computer program product comprising a non-transient computer readable memory comprising computer-executable instructions, the instructions comprising:
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instructions for powering, by an energy storage element of an electronic device, the electronic device carried by a wearable article wearable by a customer; instructions for receiving, by a communication device of the electronic device and from a remote device, a financial indicator based at least in part on a financial health state associated with the customer, the financial health state based at least in part on a comparison between a current balance of one or more accounts associated with the customer and a pre-established threshold stored as part of a pre-established financial indicator profile, the financial indicator being communicated by the remote device in accordance with a pre-established financial indicator profile; instructions for communicating, by a user output device of the electronic device, user output to the customer based at least partially on the financial indicator received by the communication; instructions for receiving, at a processing device of the electronic device, a signal from the point of sale terminal requesting payment information; instructions for receiving customer input selecting one of two or more accounts owned by the customer; instructions for presenting to the customer an indicator indicating the account selected by the customer, instructions for reading, using the processing device, at least a portion of account information stored at a memory device of the electronic device, the portion corresponding with the selected account; and instructions for instructing, by the processing device of the electronic device, a communication device of the electronic device to communicate the portion of account information corresponding with the selected account to the point of sale terminal in response to the request. - View Dependent Claims (28, 29, 30, 31, 32)
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Specification