Configuration of issued dynamic device

• US 8,991,693 B2
• Filed: 12/23/2010
• Issued: 03/31/2015
• Est. Priority Date: 12/30/2009
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Rowberry, Donald
• Primary Examiner(s): Mai, Thien T
• Application Number:
  US12/977,989
• Publication Number:
  US 20110155801A1
• Time in Patent Office: 1,559 Days
• Field of Search: 235/380, 235/375, 235/385, 455/406
• US Class Current: 235/379
• 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 20/3572 Multiple accounts on card
• CPC Class Codes: G07C 9/00 Individual registration on entry or exit
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence

Abstract

Embodiments of the invention may include a method, system, and apparatus that receives payment data that is associated with an issued payment device. Once the payment data is received, the method can then enable payment capabilities on a dynamic device. Such payment capabilities enabled on the dynamic device may be based on the payment data that is associated with the issued payment device.

Claims

1. A method comprising:

receiving, on a payment device interface of a configuration device, payment data from an issued payment device communicatively coupled to the configuration device;

transmitting payment data to a dynamic device communicatively coupled to a dynamic device interface of the configuration device;

obtaining, by the configuration device, a list of applications installed on the issued payment device from the issued payment device;

providing the list to a user;

receiving a selection corresponding to at least one of the applications;

transferring the selected application to the dynamic device; and

enabling, by the configuration device, payment capability on the dynamic device, wherein the payment capability is based on the payment data received from the issued payment device, and wherein the payment capability based on the payment data received from the issued payment device and enabled by the configuration device allows multiple payment transactions to be conducted with the dynamic device in the absence of both the payment device and the configuration device.

2. The method of claim 1, further comprising modifying the payment data to indicate support for contactless payment transactions.

3. The method of claim 1, wherein the issued payment device includes a magnetic stripe, and the magnetic stripe stores the payment data on track two or track three of the magnetic stripe of the issued payment device.

4. The method of claim 1, further including:

responsive to the enabling, incrementing a counter associated with a number of times the payment data is used to enable payment capability;

receiving a request to enable payment capability on another dynamic device;

comparing the counter with a threshold value; and

denying the request to enable payment capability on the another dynamic device based on the comparison.

5. The method of claim 1, wherein the dynamic device includes a first memory apparatus to receive a first frequency and a second memory apparatus to receive a second frequency, wherein the first memory apparatus performs access capability and the second memory apparatus performs the payment capability.

6. The method of claim 1, further comprising setting the dynamic device as a companion device.

7. The method of claim 1, wherein the enabling operation includes:

transforming the payment data into a payment application; and

transferring the payment application to a memory apparatus of the dynamic device.

8. The method of claim 7, wherein the payment application is associated with an employer.

9. The method of claim 1, further comprising disabling the issued payment device.

19. A computer readable medium storing commands for causing a processor to implement the method of claim 1.

20. The method of claim 1, further comprising:

obtaining a list of verification methods supported by the issued payment device; and

selecting a verification method from the list of verification methods to verify a user of the issued payment device before enabling the payment capability on the dynamic device.

21. The method of claim 20, wherein the selection of the verification method is based on whether there is a limit on the number of times that a payment application of the issued payment device is allowed to be downloaded to the dynamic device.

10. A configuration device comprising:

a payment device interface for communicating with an issued payment device;

a dynamic device interface for communicating with a dynamic device; and

a processor and a computer-readable storage medium coupled to the processor, the computer readable storage medium comprising code executable by the processor for implementing a method comprising;

receiving payment data from the issued payment device communicatively coupled to the payment device interface;

transmitting payment data to the dynamic device communicatively coupled to the dynamic device interface;

obtaining a list of one or more application identifiers of applications installed on the issued payment device from the issued payment device;

generating a candidate list of one or more applications supported by both the issued payment device and the configuration device for transfer to the dynamic device; and

enabling payment capability on the dynamic device, wherein the payment capability is based on the payment data received from the issued payment device, and wherein the payment capability based on the payment data received from the issued payment device and enabled by the configuration device allows multiple payment transactions to be conducted with the dynamic device in the absence of both the payment device and the configuration device.

11. The configuration device of claim 10 wherein the method further comprising modifying the payment data to indicate support for contactless payment transactions.

12. The configuration device of claim 11, wherein the payment data is received from a magnetic stripe of the issued payment device, wherein the magnetic stripe stores the payment data on track two or track three.

13. The configuration device of claim 10, wherein the method further comprising:

responsive to the enabling, incrementing a counter associated with a number of times the payment data is used to enable payment capability;

receiving a request to enable payment capability on another dynamic device;

comparing the counter with a threshold value; and

denying the request to enable payment capability on the another dynamic device based on the comparison.

14. The configuration device of claim 10, wherein the dynamic device includes a memory apparatus to receive a first frequency and a second memory apparatus to receive a second frequency, wherein the first memory apparatus performs access capability and the second memory apparatus performs the payment capability.

15. The configuration device of claim 10, wherein the method further comprises setting the dynamic device as a companion device.

16. The configuration device of claim 10, wherein the enabling operation of the method further includes:

transforming the payment data into a payment application; and

transferring the payment application to the memory apparatus of the dynamic device.

17. The configuration device of claim 16, wherein the payment application is associated with an employer.

18. The configuration device of claim 16, wherein the method further comprises disabling the issued payment device.