Real-time card balance on card plastic
First Claim
Patent Images
1. A payment card comprising:
- a plastic body,a non-volatile programmable memory configured to store an account identifier associated with an account of the payment card and a current card balance after a transaction, wherein the current card balance is encoded on the non-volatile programmable memory after receiving current balance information from a point-of-sale (POS) device;
an input-output module configured to provide the account identifier to the POS during a first presentation of the payment card to the POS, wherein the POS requests current balance information from an issuer of the payment card responsive to the first presentation using the account identifier, and the input-output module is further configured to receive the current balance from the POS during a second presentation of the payment card to the POS, wherein the first and second presentations occur sequentially during the transaction;
a button configured to receive a request for the current card balance; and
a display configured to show the current card balance responsive to the button receiving the request for the current card balance.
1 Assignment
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Accused Products
Abstract
A system, method and prepaid payment card configured to display a current card balance on the prepaid payment card. The prepaid payment card receives a balance request from a button on the card. After retrieving the current card balance encoded on the prepaid payment card, the card displays the current card balance. Remote terminals may be configured to support the real-time display of a balance on a prepaid payment card by writing the current balance to the card after a payment transaction has occurred.
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Citations
20 Claims
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1. A payment card comprising:
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a plastic body, a non-volatile programmable memory configured to store an account identifier associated with an account of the payment card and a current card balance after a transaction, wherein the current card balance is encoded on the non-volatile programmable memory after receiving current balance information from a point-of-sale (POS) device; an input-output module configured to provide the account identifier to the POS during a first presentation of the payment card to the POS, wherein the POS requests current balance information from an issuer of the payment card responsive to the first presentation using the account identifier, and the input-output module is further configured to receive the current balance from the POS during a second presentation of the payment card to the POS, wherein the first and second presentations occur sequentially during the transaction; a button configured to receive a request for the current card balance; and a display configured to show the current card balance responsive to the button receiving the request for the current card balance. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A point of sale device comprising:
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a processor; an input/output (I/O) element coupled to the processor, the I/O element configured to read payment card data from a payment card during a first presentation of the payment card and configured to transmit data to the payment card during a second presentation of the payment card, wherein the first and second presentation occur sequentially during a transaction; a computer-readable medium comprising code that, when executed by the processor, cause the point of sale device (POS) to; read payment card data with the I/O element, wherein the POS requests current balance information from the payment network, transmit transaction data associated with a transaction, including a portion of the payment card data, to a payment network, receive a response from the payment network indicating whether the transaction is approved or denied, receive current balance information from the payment network, and transmit a current balance to the payment card with the I/O element during the second presentation of the payment card. - View Dependent Claims (12, 13, 14, 15)
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16. A system comprising:
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a payment network configured to receive transaction data associated with a transaction; and a point of sale (POS) device, wherein the POS is configured to; read payment card data from a payment card during a first presentation of the payment card to the POS; transmit transaction data associated with a transaction, including a portion of the payment card data, to the payment network; receive a response from the payment network indicating whether the transaction is approved or denied, receive current balance information from the payment network, wherein the current balance can be determined from the current balance information, and transmit the current balance information or current balance to the payment card during a second presentation of the payment card to the POS, wherein the first and second presentation occur sequentially during the transaction. - View Dependent Claims (17, 18, 19, 20)
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Specification