Wireless devices for storing a financial account card and methods for storing card data in a wireless device

• US 8,528,812 B2
• Filed: 07/21/2011
• Issued: 09/10/2013
• Est. Priority Date: 09/15/2005
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Financial Corporation
• Inventors: Gannon, Gregory M.
• Primary Examiner(s): FRANKLIN, JAMARA ALZAIDA
• Application Number:
  US13/188,178
• Publication Number:
  US 20110278357A1
• Time in Patent Office: 782 Days
• Field of Search: 235/375, 235/379, 235/380, 235/383, 235/440, 235/451, 235/472.01, 705/16, 705/17
• US Class Current: 235/380
• CPC Class Codes: G06K 19/08 using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means
• CPC Class Codes: G06K 7/087 flux-sensitive, e.g. magnetic, detectors G06K7/10336 takes precedence
• CPC Class Codes: G06K 7/089 hand-held scanners
• CPC Class Codes: G06K 7/10386 the interrogation device being of the portable or hand-handheld type, e.g. incorporated in ubiquitous hand-held devices such as PDA or mobile phone, or in the form of a portable dedicated RFID reader
• CPC Class Codes: G06K 7/10415 the interrogation device being fixed in its position, such as an access control device for reading wireless access cards, or a wireless ATM banking machines in general G07F19/00
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/353 Payments by cards read by M-devices
• CPC Class Codes: G06Q 20/3567 Software being in the reader
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: G07C 9/257 : electronically G07C9/26 takes precedence
• CPC Class Codes: G07C 9/26 : using a biometric sensor integrated in the pass

Abstract

A wireless device is enabled to receive a financial account card that is inserted into a card slot of the wireless device. The wireless device reads card data from the financial account card when it is inserted into the slot and programs an RFID (radio frequency identification) tag or a memory included in the wireless device. The wireless device may then be used to provide payment by transmitting the card data via radio frequency to a nearby RFID reader using the RFID tag. The financial account card may also be ejected from the wireless device and swiped by a magnetic card reader.

Claims

1. A device for using card data during a purchase transaction, comprising:

one or more processors; and

a memory having instructions, that when executed by the one or more processors, cause the one or more processors to perform the operations of;

reading, when a financial account card is inserted into a slot of the device, the card data from the financial account card,

determining whether the financial account card is stored inside the device, and

enabling the device to use the card data during the purchase transaction if the financial account card is determined to be stored inside the device.

2. The device of claim 1, wherein the operations performed by the one or more processors further comprise:

storing a name that identifies the financial account card; and

storing the card data in the memory of the device, wherein the scanned card data is associated with the stored name.

3. The device of claim 2 wherein the operations performed by the one or more processors further comprise:

erasing the stored data when the financial account card is removed from the slot of the wireless device.

4. The device of claim 1, wherein the operations performed by the one or more processors further comprise:

displaying a menu on a display of the device, the display showing at least one financial account card having card data stored in the memory of the device;

receiving a selection of a financial account card listed on the menu; and

transmitting card data for the selected financial account card from the device via radio frequency.

5. The device of claim 4, wherein the selection is one of a graphical image shown on the menu or text shown on the menu that represents the selected financial account card.

6. The device of claim 4, wherein an RFID reader receives the transmitted card data.

7. The device of claim 1, wherein the operations performed by the one or more processors further comprise:

receiving, when the financial account card is not stored inside the device, a security code to authorize use of the card data; and

transmitting, when the security code has been authenticated, the card data from the device to an RFID reader via radio frequency.

8. The device of claim 7, wherein the security code is received by one of the device or a point of sale terminal.

9. A device for using card data during a purchase transaction, comprising:

one or more processors; and

a memory having instructions, that when executed by the one or more processors, cause the one or more processors to perform the operations of;

receiving a selection of a financial account card from a display of the device;

determining whether the selected financial account card has been used to make a prior purchase using the wireless device; and

when the selected financial account card has not been used to make a prior purchase using the device, authorizing the selected financial account card.

10. The device of claim 9, wherein the operations performed by the one or more processors further comprise:

requiring a security code when the selected financial account card has not been used to make a prior purchased using the device.

11. A device for using card data during a purchase transaction, comprising:

one or more processors; and

a memory having instructions, that when executed by the one or more processors, cause the one or more processors to perform the operations of;

receiving a selection of a financial account card,

determining an identity of an owner of the selected financial account card,

determining an identity of an owner of the financial account card stored in the device, and

when the identity of the owner of the selected financial account card and the identity of the owner of the financial account card stored in the device are the same, authorizing the selected financial account card to make a purchase.

12. The device of claim 11, wherein the identity of the user is determined by validating a personal identification number (PIN).

13. The device of claim 11 wherein the operations performed by the one or more processors further comprise:

assigning, to the selected financial account card, an identity of a second party that is authorized to use the selected financial account card;

determining an identity of a user of the wireless device; and

when the identity of the user of the wireless device is determined to be the authorized second party, authorizing the selected financial account card to make a purchase.

14. The device of claim 11 wherein the operations performed by the one or more processors further comprise:

determining whether any financial account card belonging to the user, including the selected financial account card, is stored inside the device; and

when any financial account card belonging to the user is determined to be stored inside the device, authorizing the use of the selected financial account card for the purchase transaction.

15. A tangible computer-readable medium storing instructions for using card data during a purchase transaction, the instructions operable to cause one or more computer processors to perform operations, comprising:

reading, when a financial account card is inserted into a slot of the device, the card data from the financial account card,

determining whether the financial account card is stored inside the device, and

enabling the device to use the card data during the purchase transaction if the financial account card is determined to be stored inside the device.

16. The medium of claim 15, wherein the instructions are further operable to cause one or more computer processors to perform further operations:

storing a name that identifies the financial account card; and

storing the card data in the memory of the device, wherein the scanned card data is associated with the stored name.

17. The medium of claim 16, wherein the instructions are further operable to cause one or more computer processors to perform further operations:

erasing the stored data when the financial account card is removed from the slot of the wireless device.

18. The medium of claim 15, wherein the instructions are further operable to cause one or more computer processors to perform further operations:

displaying a menu on a display of the device, the display showing at least one financial account card having card data stored in the memory of the device;

receiving a selection of a financial account card listed on the menu; and

transmitting card data for the selected financial account card from the device via radio frequency.

19. The medium of claim 18, wherein the selection is one of a graphical image shown on the menu or text shown on the menu that represents the selected financial account card.

20. The medium of claim 19, wherein an RFID reader receives the transmitted card data.

21. The medium of claim 15, wherein the instructions are further operable to cause one or more computer processors to perform further operations:

receiving, when the financial account card is not stored inside the device, a security code to authorize use of the card data; and

transmitting, when the security code has been authenticated, the card data from the device to an RFID reader via radio frequency.

22. The medium of claim 21, wherein the security code is received by one of the device or a point of sale terminal.

23. A tangible computer-readable medium storing instructions for using card data during a purchase transaction, the instructions operable to cause one or more computer processors to perform operations, comprising:

receiving a selection of a financial account card from a display of the device;

determining whether the selected financial account card has been used to make a prior purchase using the wireless device; and

when the selected financial account card has not been used to make a prior purchase using the device, authorizing the selected financial account card.

24. The medium of claim 23, wherein the instructions are further operable to cause one or more computer processors to perform further operations:

requiring a security code when the selected financial account card has not been used to make a prior purchased using the device.

25. A tangible computer-readable medium storing instructions for using card data during a purchase transaction, the instructions operable to cause one or more computer processors to perform operations, comprising:

receiving a selection of a financial account card,

determining an identity of an owner of the selected financial account card,

determining an identity of an owner of the financial account card stored in the device, and

when the identity of the owner of the selected financial account card and the identity of the owner of the financial account card stored in the device are the same, authorizing the selected financial account card to make a purchase.

26. The medium of claim 25, wherein the identity of the user is determined by validating a personal identification number (PIN).

27. The medium of claim 25, wherein the instructions are further operable to cause one or more computer processors to perform further operations:

assigning, to the selected financial account card, an identity of a second party that is authorized to use the selected financial account card;

determining an identity of a user of the wireless device; and

when the identity of the user of the wireless device is determined to be the authorized second party, authorizing the selected financial account card to make a purchase.

28. The medium of claim 25, wherein the instructions are further operable to cause one or more computer processors to perform further operations:

determining whether any financial account card belonging to the user, including the selected financial account card, is stored inside the device; and

when any financial account card belonging to the user is determined to be stored inside the device, authorizing the use of the selected financial account card for the purchase transaction.

29. A device for using card data during a purchase transaction, comprising:

one or more processors; and

a first memory having instructions, that when executed by the one or more processors, cause the one or more processors to perform the operations of;

receiving first card data associated with a first financial account card,

storing the first card data in the device,

displaying a selection menu identifying one or more financial account cards associated with card data stored in the device, the one or more financial account cards including the first financial account card,

receiving a selection of the first financial account card from the one or more identified financial account cards in the selection menu, and

enabling the device to use the first card data associated with the first financial account card during the purchase transaction based on the received selection and if the first card data has been used to make a prior purchase transaction using the device.

30. The device of claim 29, wherein the operations performed by the one or more processors further comprise:

storing, for each financial account card included in the one or more financial account cards with the first card data stored in the device, a name identifying the respective financial account card; and

displaying the name of each financial account card in the selection menu.

31. The device of claim 30 wherein the operations performed by the one or more processors further comprise:

requesting a security code to enable the device to use the first card data during the purchase transaction.

32. The device of claim 31, wherein the operations performed by the one or more processors further comprise:

receiving the security code;

authenticating the received security code; and

enabling, when the security code has been authenticated, the transmission of the first card data from the device to a wireless communication reader via a wireless communication.

33. The device of claim 29, wherein the operations performed by the one or more processors further comprise:

enabling the transmission of the first card data from the device using a wireless communication to perform the purchase transaction.

34. The device of claim 33, wherein the wireless communication is a radio frequency communication.

35. The device of claim 29, wherein the operations performed by the one or more processors further comprise displaying a graphical image in the selection menu that represents the first financial account card.

36. The device of claim 29, wherein the device is a handheld device, cellular phone, or PDA.

37. A wireless device for performing purchase transactions, comprising:

one or more processors; and

a memory having instructions, that when executed by the one or more processors, cause the one or more processors to perform the operations of;

receiving, from a first financial account card, first card data,

storing the first card data in the wireless device,

receiving, via a wireless communication, purchase transaction data reflecting a purchase transaction,

automatically selecting the first financial account card to provide payment for the purchase transaction based on the received purchase transaction data, and

enabling, via the wireless communication, the transmission of the first card data from the wireless device for the selected first financial account card to provide the payment for the purchase transaction.

38. The wireless device of claim 37, wherein the operations performed by the one or more processors further comprise:

receiving from a second financial account card, second card data; and

storing the second card data in the wireless device.

39. The wireless device of claim 37, wherein the operation of receiving, from the first financial account card, the first card data includes reading the first card data from the first financial account card when the first financial account card is inserted into the wireless device.

40. The wireless device of claim 37, wherein the wireless device includes a cellular phone, PDA, or handheld device.

41. The wireless device of claim 37, wherein the wireless communication is a radio frequency communication.

42. A wireless device for performing purchase transactions, comprising:

one or more processors; and

a memory having instructions, that when executed by the one or more processors, cause the one or more processors to perform the operations of;

receiving, from a first financial account card, first card data,

storing the first card data in the wireless device,

receiving, via a wireless communication, purchase transaction data reflecting a purchase transaction,

receiving a selection of the first financial account card from a display of the wireless device,

determining whether the selected first financial account card has been used to make a prior purchase using the wireless device, and

when the selected financial account card has not been used to make a prior purchase using the wireless device, authorizing the selected first financial account card to provide payment for the purchase transaction.

43. The wireless device of claim 42, wherein the operations performed by the one or more processors further comprise:

enabling, via wireless communication, transmission of the first card data from the wireless device for the selected first financial account card to provide the payment for the purchase transaction.

44. The wireless device of claim 42, wherein the wireless device includes a cellular phone, PDA, or handheld device.

45. The wireless device of claim 42, wherein the wireless communication is a radio frequency communication.

46. A wireless device for performing purchase transactions, comprising:

one or more processors; and

a memory having instructions, that when executed by the one or more processors, cause the one or more processors to perform the operations of;

receiving, via a wireless communication, purchase transaction data reflecting a purchase transaction,

displaying, in a display of the wireless device, a selection menu of financial account cards,

receiving a selection of a first financial account card included in the selection menu of the financial account cards,

determining whether the selected first financial account card was used to make a prior purchase with the wireless device,

authorizing the first financial account card to provide payment for the purchase transaction with the wireless device if the first financial account card was not used to make a prior purchase with the wireless device,

determining whether the first financial account card is stored in the wireless device if the first financial account card was used to make a prior purchase with the wireless device,

authorizing the first financial account card to provide payment for the purchase transaction with the wireless device if the first financial account card was used to make a prior purchase with the wireless device and the first financial account card is stored in the wireless device, and

requesting a security code if the first financial account card was used to make a prior purchase with the wireless device and the first financial account card is not stored in the wireless device.

47. The wireless device of claim 46, wherein the wireless device includes a cellular phone, PDA, or handheld device.

48. The wireless device of claim 46, wherein the wireless communication is a radio frequency communication.