Systems, methods, and apparatus to facilitate locating a user of a transaction device
First Claim
1. A contactless transaction device comprising:
- an antenna operable to electromagnetically receive and transmit data; and
a microchip comprising a memory operable to store consumer account data and location alert data and in communication with the antenna, wherein the microchip is operable to;
(i) receive, from a guardian operating a data update terminal, location alert data,(ii) transmit the location alert data to a transaction terminal via the antenna when the contactless transaction device is presented by a user, other than the guardian, to facilitate a transaction with the transaction terminal,(iii) determine based at least in part on the location alert data whether restrictive criteria set by the guardian and associated with at least one of a boundary condition, safe location, or time of day has been violated,(iv) if the restrictive criteria is violated, transmit based at least in part on the determination the location alert data and not the consumer account data, and(v) if the restrictive criteria is not violated, transmit, based at least in part on the determination, the consumer account data to the transaction terminal via the antenna;
(vi) wherein the location alert data indicates to the transaction terminal to transmit an alert to the guardian indicating the location of the user of the contactless transaction device.
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0 Petitions
Accused Products
Abstract
Embodiments of the invention may relate to systems, methods, and apparatus to facilitate locating a user of a transaction device. In one embodiment, a contactless transaction device for facilitating locating the user can be provided. The contactless transaction device may include an antenna operable to electromagnetically receive and transmit data. The contactless transaction device may also include a microchip comprising a memory operable to store consumer account data and location alert data and in communication with the antenna, wherein the microchip is operable to transmit the location alert data to a transaction terminal via the antenna when the contactless transaction device is presented to facilitate a transaction with the transaction terminal.
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Citations
24 Claims
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1. A contactless transaction device comprising:
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an antenna operable to electromagnetically receive and transmit data; and a microchip comprising a memory operable to store consumer account data and location alert data and in communication with the antenna, wherein the microchip is operable to; (i) receive, from a guardian operating a data update terminal, location alert data, (ii) transmit the location alert data to a transaction terminal via the antenna when the contactless transaction device is presented by a user, other than the guardian, to facilitate a transaction with the transaction terminal, (iii) determine based at least in part on the location alert data whether restrictive criteria set by the guardian and associated with at least one of a boundary condition, safe location, or time of day has been violated, (iv) if the restrictive criteria is violated, transmit based at least in part on the determination the location alert data and not the consumer account data, and (v) if the restrictive criteria is not violated, transmit, based at least in part on the determination, the consumer account data to the transaction terminal via the antenna; (vi) wherein the location alert data indicates to the transaction terminal to transmit an alert to the guardian indicating the location of the user of the contactless transaction device. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A method for locating a transaction device user, comprising:
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requesting, by a transaction terminal comprising one or more computers, consumer account data from a transaction device when the transaction device is presented to facilitate a transaction with the transaction terminal, wherein the transaction device is operable to store consumer account data and location alert data, the location alert data received from a guardian operating a data update terminal; receiving the location alert data at the transaction terminal from the transaction device presented by a user other than the guardian; determine based at least in part on the location alert data whether restrictive criteria set by the guardian and associated with at least one of a boundary condition, safe location, or time of day has been violated; if the restrictive criteria is violated, transmitting the location alert data and not the consumer account data; generating a user location alert, responsive to receiving the location alert data; and transmitting the user location alert to the guardian; if the restrictive criteria is not violated, requesting, by the transaction terminal from the transaction device based at least in part on the determination, the consumer account data; and facilitating the transaction based at least in part on the consumer data. - View Dependent Claims (8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. A system, comprising:
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a memory comprising instructions; a processor in communication with the memory, and operable to execute the instructions to; receive, from a transaction terminal via a network, a user location alert, wherein the user location alert is generated by the transaction terminal responsive to receiving location alert data from a transaction device, the location alert data received from a guardian, and evaluating the location alert data from the transaction device when the transaction device is presented by a user other than the guardian to facilitate a transaction with the transaction terminal; determine based at least in part on the location alert data whether restrictive criteria set by the guardian and associated with at least one of a boundary condition, safe location, or time of day has been violated; if the restrictive criteria is violated, transmit the location alert data and not the consumer account data; generate a user location alert, responsive to receiving the location alert data; and transmit the user location alert to the guardian; and if the restrictive criteria is not violated, request, based at least in part the determination, consumer account data; and facilitate the transaction based at least in part on the consumer data. - View Dependent Claims (20, 21, 22, 23, 24)
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Specification