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

• US 9,165,296 B2
• Filed: 08/13/2013
• Issued: 10/20/2015
• 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
• Primary Examiner(s): FRANKLIN, JAMARA ALZAIDA
• Application Number:
  US13/965,769
• Publication Number:
  US 20130327825A1
• Time in Patent Office: 798 Days
• Field of Search: 235/375, 235/379, 235/380, 705/41
• US Class Current: 1/1
• 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 method for using card data during a purchase transaction, comprising:

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

storing the first card data in a 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, via at least one processor, 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.

2. The method of claim 1, further comprising

storing, for each financial account card included in the one or more financial account cards with 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.

3. The method of claim 2, further comprising:

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

4. The method of claim 3, further comprising:

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.

5. The method of claim 1, further comprising:

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

6. The method of claim 5, wherein the wireless communication is a radio frequency communication.

7. The method of claim 1, further comprising:

displaying a graphical image in the selection menu that represents the first financial account card.

8. The method of claim 1, wherein the device is a handheld device, cellular phone, or PDA.

9. A method for performing purchase transactions, comprising:

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

storing the first card data in a wireless device;

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

automatically selecting, via at least one processor, 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.

10. The method of claim 9, further comprising:

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

storing the second card data in the wireless device.

11. The method of claim 9, wherein receiving 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.

12. The method of claim 9, wherein the wireless device includes a cellular phone, PDA, or handheld device.

13. The method claim 9, wherein the wireless communication is a radio frequency communication.

14. A method for performing purchase transactions, comprising:

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

storing the first card data in a 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.

15. The method claim 14, further comprising:

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.

16. The method claim 14, wherein the wireless device includes a cellular phone, PDA, or handheld device.

17. The method claim 14, wherein the wireless communication is a radio frequency communication.

18. A method for performing purchase transactions, comprising:

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

displaying, in a display of a 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, via at least one processor, 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, via the at least one processor, 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.

19. The method of claim 18, wherein the wireless device includes a cellular phone, PDA, or handheld device.

20. The method of claim 18, wherein the wireless communication is a radio frequency communication.

21. 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 first card data associated with a first financial account card;

storing the first card data in a 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.

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

storing, for each financial account card included in the one or more financial account cards with 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.

23. The medium of claim 22, wherein the instructions are further operable to the one or more computer processors to perform operations comprising:

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

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

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.

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

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

26. The medium of claim 25, wherein the wireless communication is a radio frequency communication.

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

displaying a graphical image in the selection menu that represents the first financial account card.

28. The medium of claim 21, wherein the device is a handheld device, cellular phone, or PDA.

29. 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, from a first financial account card, first card data;

storing the first card data in a 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.

30. The medium of claim 29, wherein the instructions are further operable to the one or more computer processors to perform operations comprising:

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

storing the second card data in the wireless device.

31. The medium of claim 29, wherein the with receiving 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.

32. The medium of claim 29, wherein the wireless device includes a cellular phone, PDA, or handheld device.

33. The medium claim 29, wherein the wireless communication is a radio frequency communication.

34. 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, from a first financial account card, first card data;

storing the first card data in a 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.

35. The medium claim 34, wherein the instructions are further operable to the one or more computer processors to perform operations comprising:

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.

36. The medium claim 34, wherein the wireless device includes a cellular phone, PDA, or handheld device.

37. The medium claim 34, wherein the wireless communication is a radio frequency communication.

38. 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, via a wireless communication, purchase transaction data reflecting a purchase transaction;

displaying, in a display of a 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.

39. The medium of claim 38, wherein the wireless device includes a cellular phone, PDA, or handheld device.

40. The medium of claim 38, wherein the wireless communication is a radio frequency communication.