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

• US 9,218,597 B2
• Filed: 07/09/2014
• Issued: 12/22/2015
• 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 M.
• Primary Examiner(s): FRANKLIN, JAMARA ALZAIDA
• Application Number:
  US14/327,294
• Publication Number:
  US 20140319213A1
• Time in Patent Office: 531 Days
• Field of Search: 235/375, 235/379
• 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 system and method for enabling a wireless device to use card data during a transaction are provided. The method is performed by one or more processors configured to receive first financial card data, associate a first transaction type with the first financial card data, receive second financial card data, and associate a second transaction type with the second financial card data. The method further comprises receiving transaction type data, automatically selecting the first financial card data or the second financial card data based on the received transaction type data, and communicating the automatically selected financial card data for use in the transaction.

Claims

1. A method for enabling a wireless device to use card data during a transaction, the method comprising:

receiving, by one or more processors, first financial card data;

associating, by the one or more processors, a first transaction type with the first financial card data;

receiving, by the one or more processors, second financial card data;

associating, by the one or more processors, a second transaction type with the second financial card data;

receiving, by the one or more processors, transaction type data;

automatically selecting, by the one or more processors, the first financial card data or the second financial card data based on the received transaction type data; and

communicating, by the one or more processors, the automatically selected financial card data for use in the transaction.

2. The method of claim 1 further comprising displaying a portion of the first financial card data and a plurality of transaction types on a display of the wireless device responsive to receiving the first financial card data.

3. The method of claim 2 further comprising:

receiving input indicating that the first financial card data is to be associated with one of the displayed plurality of transaction types; and

,

associating the first transaction type with the first financial card data responsive to the received input.

4. The method of claim 1, further comprising:

determining the first financial card data and the second financial card data have not been associated with the received transaction type data; and

,

communicating the first financial card data or the second financial card data responsive to input indicating that the first financial card data or the second financial card data is to be used for a transaction associated with the received transaction type data.

5. The method of claim 1, further comprising:

receiving identification data associated with a user of the wireless device; and

authorizing use of the automatically selected financial card data based on the received identification data.

6. The method of claim 5 wherein the identification data comprises a personal identification number (PIN).

7. The method of claim 1 wherein the first financial card data is received by a card reader of the wireless device.

8. A wireless device for using card data during a transaction comprising:

one or more processors; and

a memory having instructions that when executed by the one or more processors, cause the one or more processors to perform the operations of;

receiving first financial card data;

associating a first transaction type with the first financial card data;

receiving second financial card data;

associating a second transaction type with the second financial card data;

receiving transaction type data;

automatically selecting the first financial card data or the second financial card data based on the received transaction type data; and

communicating the automatically selected financial card data for use in the transaction.

9. The wireless device of claim 8 wherein the instructions further cause the one or more processors to perform the operation of displaying a portion of the first financial card data and a plurality of transaction types on a display of the wireless device responsive to receiving the first financial card data.

10. The wireless device of claim 9 wherein the instructions further cause the one or more processors to perform the operations of:

receiving input indicating that the first financial card data is to be associated with one of the displayed plurality of transaction types; and

,

associating the first transaction type with the first financial card data responsive to the received input.

11. The wireless device of claim 8 wherein the instructions further cause the one or more processors to perform the operations of:

determining the first financial card data and the second financial card data have not been associated with the received transaction type data; and

,

communicating the first financial card data or the second financial card data responsive to input indicating that the first financial card data or the second financial card data is to be used for a transaction associated with the received transaction type data.

12. The wireless device of claim 8 wherein the instructions further cause the one or more processors to perform the operations of:

receiving identification data associated with a user of the wireless device; and

authorizing use of the automatically selected financial card data based on the received identification data.

13. The wireless device of claim 8 wherein the identification data comprises a personal identification number (PIN).

14. The wireless device of claim 8 further comprising a card reader and wherein the first financial card data is received by the card reader.

15. A non-transitory computer readable medium storing instructions that, when executed by one or more processors, causes the one or more processors to perform operations comprising:

receiving first financial card data;

associating a first transaction type with the first financial card data;

receiving second financial card data;

associating a second transaction type with the second financial card data;

receiving transaction type data;

automatically selecting the first financial card data or the second financial card data based on the received transaction type data; and

communicating the automatically selected financial card data for use in the transaction.

16. The non-transitory computer readable medium of claim 15, wherein the operations further comprise displaying a portion of the first financial card data and a plurality of transaction types on a display of a computing device responsive to receiving the first financial card data.

17. The non-transitory computer readable medium of claim 16, wherein the operations further comprise:

receiving input indicating that the first financial card data is to be associated with one of the displayed plurality of transaction types; and

,

associating the first transaction type with the first financial card data responsive to the received input.

18. The non-transitory computer readable medium of claim 15, wherein the operations further comprise:

determining the first financial card data and the second financial card data have not been associated with the received transaction type data; and

,

communicating the first financial card data or the second financial card data responsive to input indicating that the first financial card data or the second financial card data is to be used for a transaction associated with the received transaction type data.

19. The non-transitory computer readable medium of claim 15, wherein the operations further comprise:

receiving identification data associated with a user of a computing device; and

authorizing use of the automatically selected financial card data based on the received identification data.

20. The non-transitory computer readable medium of claim 15 wherein the first financial card data is received by a card reader of a computing device.