Using CE device record of E-card transactions to reconcile bank record

• US 9,292,875 B1
• Filed: 09/23/2014
• Issued: 03/22/2016
• Est. Priority Date: 09/23/2014
• Status: Active Grant

• Current Assignee: Sony Corporation (Sony Group Corp.)
• Original Assignee: Sony Corporation (Sony Group Corp.)
• Inventors: Candelore, Brant, Richman, Steven Martin, Zustak, Frederick J.
• Primary Examiner(s): Frech, Karl D
• Application Number:
  US14/493,958
• Publication Number:
  US 20160086286A1
• Time in Patent Office: 546 Days
• Field of Search: 235/379, 235/375, 235/380
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/12 Accounting

Abstract

Transactions using a bank customer'"'"'s electronic debit or credit card (“e-card”) are monitored by the card owner'"'"'s consumer electronic (CE) device and reported to a server associated with the financial institution maintaining the e-card records for reconciliation to reveal possible fraud.

Claims

1. Consumer electronics (CE) device comprising:

at least one processor; and

at least one computer memory that is not a transitory signal and that comprises instructions executable by the at least one processor to;

receive data representing transactions of an electronic transaction card (e-card) with point of sales (POS) terminals, the e-card being separate from the CE device; and

report the data to a server over a computer network, the server being associated with at least some of the POS terminals.

2. The CE device of claim 1, wherein the server is a server owned or licensed by a financial institution and the at least some of the POS terminals are owned or licensed by the financial institution.

3. The CE device of claim 1, wherein the instructions are executable to send the data to the server periodically.

4. The CE device of claim 1, wherein the instructions are executable to send the data to the server responsive to an occurrence of at least one predetermined event.

5. The CE device of claim 1, wherein the instructions are executable to passively monitor e-card transactions.

6. The CE device of claim 1, wherein the instructions are executable to actively query the e-card for transaction data.

7. The CE device of claim 1, wherein the instructions are executable to:

responsive to a message from the server, present on a display of the CE device an indication that the e-card is canceled.

8. Server computer comprising:

at least one processor; and

at least one computer readable storage medium including instructions which when executed by the processor configure the processor to;

receive transaction records from at least one consumer electronics (CE) device of a user of an electronic transaction card (e-card) issued by a financial institution affiliated with the server computer, the transaction records being records of transactions between the e-card and at least one point of sale (POS) terminal;

compare the transaction records with records from the at least one POS terminal reflecting transactions with the e-card; and

responsive to a failure of the transaction records from the CE device to match the records from the at least one POS terminal, return a signal indicative thereof.

9. The server computer of claim 8, wherein the instructions when executed by the processor configure the processor to, responsive to the signal, send a message to the CE device of possible fraudulent transactions using the e-card.

10. The server computer of claim 8, wherein the instructions when executed by the processor configure the processor to, responsive to the signal, cancel the e-card.

11. The server computer of claim 8, wherein the instructions when executed by the processor configure the processor to cancel the e-card at least in part by informing POS terminals that no transaction is to be consummated with any e-card responding to an interrogation with the identification of the e-card.

12. A device, comprising:

at least one computer memory that is not a transitory signal and that comprises instructions executable by at least one processor to;

receive signals from an electronic transaction card (e-card) representing responses to at least one near field communication (NFC) interrogation of the e-card by at least one interrogation device; and

report the responses to a server over a computer network, the server being associated with at least some point of sale (POS) terminals configured to issue authorized NFC interrogation to e-cards.

13. The device of claim 12, wherein the server is a server owned or licensed by a financial institution and the at least some of the POS terminals are owned or licensed by the financial institution.

14. The device of claim 12, wherein the instructions are executable to send the data to the server periodically.

15. The device of claim 12, wherein the instructions are executable to send the reports to the server responsive to an occurrence of at least one predetermined event.

16. The device of claim 12, wherein the instructions are executable to passively monitor e-card transactions.

17. The device of claim 12, wherein the instructions are executable to actively query the e-card for transaction data.

18. The device of claim 12, wherein the instructions are executable:

responsive to a message from the server, present on a display of the CE device an indication that the e-card is canceled.