Customer's CE device interrogating customer's e-card for transaction information

• US 9,558,488 B2
• Filed: 09/23/2014
• Issued: 01/31/2017
• 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): Marshall, Christle I
• Application Number:
  US14/493,867
• Publication Number:
  US 20160086165A1
• Time in Patent Office: 861 Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards

Abstract

A bank customer'"'"'s electronic debit or credit card (“e-card”) is interrogated by the customer'"'"'s CE device to report transaction information including interrogations the e-card receives from a point of sale (POS) apparatus.

Claims

1. Apparatus comprising:

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

send an interrogation signal to an electronic transaction card (e-card) to report information related to communication the e-card has had with point of sale (POS) devices, including interrogations from the POS devices, that are separate from the e-card and the apparatus;

record a response from the e-card to the interrogation signal; and

responsive to a determination that a signal from e-card is received over a short-range wireless protocol, automatically send a message to the e-card to authorize a transaction associated with at least one interrogation from at least one of the POS devices without user input.

2. The apparatus of claim 1, wherein the apparatus is embodied by a consumer electronics (CE) device.

3. The apparatus of claim 2, wherein the CE device is a mobile telephone.

4. The apparatus of claim 1, wherein the instructions are executable to:

periodically send the interrogation signal to the e-card.

5. The apparatus of claim 1, comprising a near field communication (NFC) transmitter through which the processor is programmable to send the interrogation signal.

6. The apparatus of claim 1, comprising a low energy Bluetooth transmitter through the processor is programmed to send the interrogation signal.

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

transmit, to a server, a transaction history of the e-card as reported by the e-card.

8. The apparatus of claim 1, wherein the instructions are executable to transmit to a server a transaction history of the e-card as reported by the e-card automatically without user input.

9. Method comprising:

interrogating, by a consumer electronics (CE) device, a customer'"'"'s electronic transaction card (“

e-card”

) to report transaction information including at least one interrogation the e-card received from a point of sale (POS) apparatus;

recording a response from the e-card; and

responsive to a determination that a communication from the e-card is received over a short-range wireless protocol, automatically send a message to the e-card to authorize a transaction associated with the at least one interrogation the e-card received from the POS apparatus without user input.

10. The method of claim 9, comprising transmitting by the CE device to a server a transaction history of the e-card as reported by the e-card automatically without user input.

11. The method of claim 9, comprising interrogating the e-card over radiofrequency identification (RFID) protocol.

12. The method of claim 9, comprising interrogating the e-card over low energy Bluetooth.

13. Non-transitory computer readable storage medium (NTCRSM) including instructions executable by a processor to configure the processor to:

send a wireless signal to an electronic transaction card (e-card) to command the e-card to report transaction information, the transaction information including data derived from interrogations the e-card has received via near field communication (NFC) from one or more point of sales (POS) devices, the processor not being in a POS device;

record responses received from the e-card to the wireless signal; and

responsive to a determination that a message from e-card is received over a short-range wireless protocol, automatically send a signal to the e-card to authorize a transaction associated with at least one of the interrogation signals from the one or more POS devices without user input.

14. The NTCRSM of claim 13, wherein the instructions are executable to:

send the wireless signal via low energy Bluetooth.

15. The NTCRSM of claim 13, wherein the instructions are executable to:

send the wireless signal via radiofrequency identification (RFID) protocol.

16. The NTCRSM of claim 13, wherein the instructions are executable to:

report to a server the responses received from the e-card to the wireless signal.

17. The NTCRSM of claim 13, wherein the instructions are executable to:

present on a display data from the responses received from the e-card to the wireless signal.