Payment cards and devices with gift card, global integration, and magnetic stripe reader communication functionality

• US 8,875,999 B2
• Filed: 04/29/2013
• Issued: 11/04/2014
• Est. Priority Date: 12/24/2007
• Status: Active Grant

• Current Assignee: Dynamics Inc.
• Original Assignee: Dynamics Inc.
• Inventors: Mullen, Jeffrey D., Lambeth, David, Cloutier, Bruce
• Primary Examiner(s): Labaze, Edwyn
• Application Number:
  US13/872,557
• Publication Number:
  US 20130282573A1
• Time in Patent Office: 554 Days
• Field of Search: 235/380, 235/492, 235/451, 235/487, 235/441, 235/375, 705 38- 40
• US Class Current: 235/380
• CPC Class Codes: A61B 5/02 Detecting, measuring or recording pulse, heart rate, blood pressure or blood flow; Combined pulse/heart-rate/blood pressure determination; Evaluating a cardiovascular condition not otherwise provided for, e.g. using combinations of techniques provided for in this group with electrocardiography or electroauscultation; Heart catheters for measuring blood pressure
• CPC Class Codes: A61B 5/02042 Determining blood loss or bleeding, e.g. during a surgical procedure
• CPC Class Codes: G06F 3/0488 using a touch-screen or digitiser, e.g. input of commands through traced gestures
• CPC Class Codes: G06K 19/06187 with magnetically detectable marking
• CPC Class Codes: G06K 19/06206 the magnetic marking being emulated
• CPC Class Codes: G06K 19/07 with integrated circuit chips
• CPC Class Codes: G06K 19/0702 the arrangement including a battery
• CPC Class Codes: G06K 19/0704 the battery being rechargeable, e.g. solar batteries
• CPC Class Codes: G06K 19/0723 the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
• CPC Class Codes: G06K 19/0725 the arrangement being a circuit for emulating a plurality of record carriers, e.g. a single RFID tag capable of representing itself to a reader as a cloud of RFID tags
• CPC Class Codes: G06K 19/07345 by activating or deactivating at least a part of the circuit on the record carrier, e.g. ON/OFF switches
• CPC Class Codes: G06K 19/07703 the interface being visual
• CPC Class Codes: G06K 19/07705 the visual interface being a single light or small number of lights capable of being switched on or off, e.g. a series of LEDs
• CPC Class Codes: G06K 19/07707 the visual interface being a display, e.g. LCD or electronic ink
• CPC Class Codes: G06K 19/07709 the interface being a keyboard
• CPC Class Codes: G06K 19/07749 the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card
• CPC Class Codes: G06K 19/0775 arrangements for connecting the integrated circuit to the antenna
• CPC Class Codes: G06K 19/07766 comprising at least a second communication arrangement in addition to a first non-contact communication arrangement
• CPC Class Codes: G06K 19/07769 the further communication means being a galvanic interface, e.g. hybrid or mixed smart cards having a contact and a non-contact interface
• CPC Class Codes: G06K 19/07773 Antenna details antennas for wireless devices, e.g. RFID tags, in general H01Q1/22
• CPC Class Codes: G06K 19/083 : Constructional details
• CPC Class Codes: G06K 7/0004 : Hybrid readers
• CPC Class Codes: G06K 7/084 : sensing magnetic material by relative movement detecting flux changes without altering its magnetised state
• CPC Class Codes: G06K 7/087 : flux-sensitive, e.g. magnetic, detectors G06K7/10336 takes precedence
• CPC Class Codes: G06K 7/10297 : arrangements for handling protocols designed for non-contact record carriers such as RFIDs NFCs, e.g. ISO/IEC 14443 and 18092 cryptographic protocols H04L9/00; network security protocols H04L63/00; real-time communication protocols in data switching networks H04L65/00; network protocols for data switching network services H04L67/00
• CPC Class Codes: G06Q 20/18 : involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/20 : Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/34 : using cards, e.g. integrated circuit [IC] cards or magnetic cards
• 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 20/3415 : Cards acting autonomously as pay-media
• CPC Class Codes: G06Q 20/352 : Contactless payments by cards
• CPC Class Codes: G06Q 20/385 : using an alias or single-use codes
• CPC Class Codes: G06Q 20/401 : Transaction verification
• CPC Class Codes: G06Q 30/0222 : During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0241 : Advertisements
• CPC Class Codes: G06Q 30/0277 : Online advertisement
• CPC Class Codes: G06Q 30/0641 : Shopping interfaces
• CPC Class Codes: G06T 2207/10024 : Color image
• CPC Class Codes: G06T 2207/30004 : Biomedical image processing
• CPC Class Codes: G06T 7/62 : of area, perimeter, diameter or volume
• CPC Class Codes: G06V 10/24 : Aligning, centring, orientation detection or correction of the image
• CPC Class Codes: G06V 10/25 : Determination of region of interest [ROI] or a volume of interest [VOI]
• CPC Class Codes: G06V 2201/03 : Recognition of patterns in medical or anatomical images
• CPC Class Codes: G07F 7/0806 : Details of the card record carriers per se G06K
• CPC Class Codes: G07F 7/1008 : Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A payment card (e.g., credit and/or debit card) or other device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. Gift cards may be inputted by a user into such a payment card or other device such that a user can combine gift cards. Similarly, a user be provided with a global payment account that can be utilized in multiple countries that have different standards for formatting data. A user may be provided with a default country (e.g., United States) but may have a way to select that the user is in a different country (e.g., Japan). Accordingly, a user may select that a Japanese data structure be transmitted through a magnetic stripe reader when the user is in Japan.

Claims

1. A system, comprising:

a first network element operable to receive transaction data including first information indicative of a first payment account, and to determine an association between the transaction data and second information indicative of a second payment account,

wherein the first network element is operable to determine a financial entity associated with the transaction data, and

to determine an association between the determined financial entity and the second information.

2. The system of claim 1, wherein the first network element is operable to determine the association between the transaction data and the second information based on the first information indicative of the first payment account.

3. The system of claim 1, wherein the first network element is operable

to initiate authorization of a transaction associated with the transaction data based on at least the second payment account.

4. The system of claim 1, wherein the financial entity associated with the transaction data is a merchant.

5. The system of claim 1, wherein the first network element is one of a routing server and an authorization server.

6. The system of claim 1, further comprising:

a second network element,

wherein the first network element is operable to communicate with the second network element based on the transaction data.

7. The system of claim 1, wherein the second information is stored locally at the first network element, and

the first network element is operable to determine the association between the transaction data and the second information based on the first information indicative of the first payment account.

8. The system of claim 1, wherein the second payment account is associated with one of a gift card and a pre-paid payment card.

9. A system, comprising:

a first network element operable to receive transaction data including first information indicative of a first payment account, and to determine an association between the transaction data and second information indicative of a second payment account,

wherein the first network element is operable to determine a financial entity associated with the transaction data, and

to determine an absence of an association between the determined financial entity and the second information.

10. The system of claim 9, wherein the first network element is operable

to initiate authorization of a transaction associated with the transaction data based on the first payment account.

11. A system, comprising:

a first network element operable

to receive transaction data including first information indicative of a first payment account,

to determine an association between the transaction data and second information indicative of a second payment account,

to determine a merchant associated with the transaction data,

to determine whether an association exists between the merchant and the second information,

to initiate authorization of a transaction associated with the transaction data based on the first payment account if the merchant is not associated with the second information, and

to initiate authorization of the transaction based on at least the second payment account if the merchant is associated with the second information.

12. A system, comprising:

a first network element operable

to receive transaction data including first information indicative of a first payment account,

to determine an association between the transaction data and second information indicative of a second payment account,

to determine an entity associated with the transaction data,

to determine whether an association exists between the entity and the second information,

to initiate authorization of a transaction associated with the transaction data based on the first payment account if the entity is not associated with the second information,

to initiate authorization of the transaction based on the second payment account if the entity is associated with the second information and a monetary value of the transaction is less than a monetary value of the second payment account, and

to initiate authorization of the transaction based on the first payment account and the second payment account if the entity is associated with the second information and a monetary value of the transaction is greater than the monetary value of the second payment account.

13. A system, comprising:

a first network element operable to receive transaction data including first information indicative of a first payment account and second information indicative of a second payment account, and to determine an association between the second information and a financial entity, wherein the transaction data includes discretionary data, and the first network element is operable to determine the association between the second information and the financial entity based on the discretionary data.

14. The system of claim 13, further comprising:

a second network element,

wherein the first network element is operable to determine an association between the transaction data and the second network element, and

to communicate with the second network element.

15. The system of claim 13, wherein the first network element is one of a routing server and an authorization server.

16. The system of claim 13, wherein the transaction data includes track data with a discretionary field, and

the second information is a flag in the discretionary field.

17. The system of claim 13, wherein the first network element is operable to initiate authorization of a transaction associated with the transaction data based on at least the second payment account.

18. The system of claim 13, wherein the second payment account is associated with one of a gift card and a pre-paid payment card.