Device including form factor indicator

• US 8,770,470 B2
• Filed: 04/28/2009
• Issued: 07/08/2014
• Est. Priority Date: 04/29/2008
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Hammad, Ayman, Maw, Brian
• Primary Examiner(s): Kim, Ashik
• Application Number:
  US12/431,430
• Publication Number:
  US 20090266881A1
• Time in Patent Office: 1,897 Days
• Field of Search: 235/375, 235/380, 235/492, 705/17, 705/41
• US Class Current: 235/375
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/0233 Method of redeeming a frequent usage reward

Abstract

A consumer device is disclosed. The device comprises a body, and a memory comprising a computer readable medium disposed on or within the body. The computer readable medium comprises a form factor indicator element coupled to the body. The form factor indicator element indicates the form factor for the consumer device.

Claims

1. A consumer device comprising:

a body; and

a memory comprising a computer readable medium disposed on or within the body, the computer readable medium comprising code for a form factor indicator coupled to the body, the form factor indicator indicating whether the consumer device is a full size card, a mini card, a micro tag, a mobile device, a PDA, a pager, a watch, a transponder, a keychain device, a key fob, or a desktop computer terminal.

2. The consumer device of claim 1 wherein the consumer device is a phone, and wherein the form factor indicator indicates that the consumer device is the phone.

3. The consumer device of claim 1 wherein the consumer device is in the form of a card, and wherein the form factor indicator indicates that the consumer device is the card.

4. The consumer device of claim 1 wherein the form factor indicator is a data tag that includes a tag identifier element, a length element, and a value element.

5. The consumer device of claim 4 wherein the form factor indicator is included in a Field 55 supplementary data field.

6. The consumer device of claim 4 wherein the data tag further comprises a device security features element, and wherein specific transaction value thresholds are established for each of a plurality of device security features elements.

7. A method comprising:

receiving, at a server computer, a first authorization request message comprising a first form factor indicator element, wherein the first form factor indicator element indicates a first form of a first consumer device used to conduct a first transaction, wherein the first form is one of a full size card, a mini card, a micro tag, a mobile device, a PDA, a pager, a watch, a transponder, a keychain device, a key fob, or a desktop computer terminal;

analyzing the first authorization request message;

performing first additional processing based on the first form factor indicator element;

receiving, at the server computer, a second authorization request message comprising a second form factor indicator element, wherein the second form factor indicator element indicates a second form of a second consumer device used to conduct a second transaction, wherein the first form is different than the second form;

analyzing the second authorization request message; and

performing second additional processing based on the second form factor indicator element, wherein the first additional processing is different than the second additional processing.

8. The method of claim 7 further comprising:

wherein performing the first additional processing comprises initiating sending a notification message to the consumer device.

9. The method of claim 8 wherein the consumer device is a phone.

10. The method of claim 7 wherein the first form factor indicator element and the second form factor indicator element comprise device security feature data.

11. The method of claim 7 wherein the first authorization request message and the second authorization request message further comprise device communication technology features data.

12. The method of claim 7 wherein the first authorization request message and the second authorization request message comprise a BIN.

13. The method of claim 7 wherein the first form factor indicator element and the second form factor indicator element are encrypted.

14. The method of claim 7 wherein the first form is a phone and wherein the first additional processing comprises initiating the sending of a coupon to the first consumer device.

15. A server computer having a computer readable program code embodied therein, said computer readable program code adapted to be executed by a processor to implement a method comprising:

receiving a first authorization request message comprising a first form factor indicator element, wherein the first form factor indicator element indicates a first form of a first consumer device used to conduct a first transaction, wherein the first form is one of a full size card, a mini card, a micro tag, a mobile device, a PDA, a pager, a watch, a transponder, a keychain device, a key fob, or a desktop computer terminal;

analyzing the first authorization request message;

performing first additional processing based on the first form factor indicator element;

receiving a second authorization request message comprising a second form factor indicator element, wherein the second form factor indicator element indicates a second form of a second consumer device used to conduct a second transaction, wherein the second form is different than the first form;

analyzing the second authorization request message; and

performing second additional processing based on the second form factor indicator element.

16. A system comprising the server computer of claim 15.

17. A method comprising:

obtaining a portable consumer device comprising a body, and a memory comprising a computer readable medium disposed on or within the body, the computer readable medium comprising code for a form factor indicator element coupled to the body, the form factor indicator element indicating whether the consumer device is a full size card, a mini card, a micro tag, a mobile device, a PDA, a pager, a watch, a transponder, a keychain device, a key fob, or a desktop computer terminal; and

using the portable consumer device to interact with an access device, wherein the access device thereafter generates and sends an authorization request message to an issuer associated with the portable consumer device.

18. The method of claim 17 wherein the portable consumer device is a phone, and wherein the form factor indicator indicates that the portable consumer device is the phone.

19. The method of claim 17 wherein the portable consumer device is a card, and wherein the form factor indicator indicates that the portable consumer device is the card.

20. The method of claim 17 wherein the authorization request message is sent to the issuer via a payment processing network.