Systems and methods for programmable payment cards and devices with loyalty-based payment applications

• US 9,704,089 B2
• Filed: 03/08/2015
• Issued: 07/11/2017
• Est. Priority Date: 12/24/2007
• Status: Active Grant

• Current Assignee: Dynamics Inc.
• Original Assignee: Dynamics Inc.
• Inventors: Mullen, Jeffrey D., Yen, Philip
• Primary Examiner(s): JOHNSON, SONJI N
• Application Number:
  US14/641,414
• Publication Number:
  US 20150186766A1
• Time in Patent Office: 856 Days
• CPC Class Codes: A61B 5/02 Detecting, measuring or recording pulse, heart rate, blood pressure or blood flow; Combined pulse/heart-rate/blood pressure determination; Evaluating a cardiovascular condition not otherwise provided for, e.g. using combinations of techniques provided for in this group with electrocardiography or electroauscultation; Heart catheters for measuring blood pressure
• CPC Class Codes: A61B 5/02042 Determining blood loss or bleeding, e.g. during a surgical procedure
• CPC Class Codes: G06F 3/0488 using a touch-screen or digitiser, e.g. input of commands through traced gestures
• CPC Class Codes: G06K 19/06187 with magnetically detectable marking
• CPC Class Codes: G06K 19/06206 the magnetic marking being emulated
• CPC Class Codes: G06K 19/07 with integrated circuit chips
• CPC Class Codes: G06K 19/0702 the arrangement including a battery
• CPC Class Codes: G06K 19/0704 the battery being rechargeable, e.g. solar batteries
• CPC Class Codes: G06K 19/0723 the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
• CPC Class Codes: G06K 19/0725 the arrangement being a circuit for emulating a plurality of record carriers, e.g. a single RFID tag capable of representing itself to a reader as a cloud of RFID tags
• CPC Class Codes: G06K 19/07345 by activating or deactivating at least a part of the circuit on the record carrier, e.g. ON/OFF switches
• CPC Class Codes: G06K 19/07703 the interface being visual
• CPC Class Codes: G06K 19/07705 the visual interface being a single light or small number of lights capable of being switched on or off, e.g. a series of LEDs
• CPC Class Codes: G06K 19/07707 the visual interface being a display, e.g. LCD or electronic ink
• CPC Class Codes: G06K 19/07709 the interface being a keyboard
• CPC Class Codes: G06K 19/07749 the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card
• CPC Class Codes: G06K 19/0775 arrangements for connecting the integrated circuit to the antenna
• CPC Class Codes: G06K 19/07766 comprising at least a second communication arrangement in addition to a first non-contact communication arrangement
• CPC Class Codes: G06K 19/07769 the further communication means being a galvanic interface, e.g. hybrid or mixed smart cards having a contact and a non-contact interface
• CPC Class Codes: G06K 19/07773 Antenna details antennas for wireless devices, e.g. RFID tags, in general H01Q1/22
• CPC Class Codes: G06K 19/083 : Constructional details
• CPC Class Codes: G06K 7/0004 : Hybrid readers
• CPC Class Codes: G06K 7/084 : sensing magnetic material by relative movement detecting flux changes without altering its magnetised state
• CPC Class Codes: G06K 7/087 : flux-sensitive, e.g. magnetic, detectors G06K7/10336 takes precedence
• CPC Class Codes: G06K 7/10297 : arrangements for handling protocols designed for non-contact record carriers such as RFIDs NFCs, e.g. ISO/IEC 14443 and 18092 cryptographic protocols H04L9/00; network security protocols H04L63/00; real-time communication protocols in data switching networks H04L65/00; network protocols for data switching network services H04L67/00
• CPC Class Codes: G06Q 20/18 : involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/20 : Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/34 : using cards, e.g. integrated circuit [IC] cards or magnetic cards
• 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 20/3415 : Cards acting autonomously as pay-media
• CPC Class Codes: G06Q 20/352 : Contactless payments by cards
• CPC Class Codes: G06Q 20/385 : using an alias or single-use codes
• CPC Class Codes: G06Q 20/401 : Transaction verification
• CPC Class Codes: G06Q 30/0222 : During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0241 : Advertisements
• CPC Class Codes: G06Q 30/0277 : Online advertisement
• CPC Class Codes: G06Q 30/0641 : Shopping interfaces
• CPC Class Codes: G06T 2207/10024 : Color image
• CPC Class Codes: G06T 2207/30004 : Biomedical image processing
• CPC Class Codes: G06T 7/62 : of area, perimeter, diameter or volume
• CPC Class Codes: G06V 10/24 : Aligning, centring, orientation detection or correction of the image
• CPC Class Codes: G06V 10/25 : Determination of region of interest [ROI] or a volume of interest [VOI]
• CPC Class Codes: G06V 2201/03 : Recognition of patterns in medical or anatomical images
• CPC Class Codes: G07F 7/0806 : Details of the card record carriers per se G06K
• CPC Class Codes: G07F 7/1008 : Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A payment card (e.g., credit and/or debit card) or other device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. Data may include the type of reward that a user would like to earn as a result of making a purchase or the type of reward that a user would like to utilize to at least partially pay for a purchase.

Claims

1. A device comprising:

a communications device;

a first button associated with a first reward, the first button operable to communicate payment information indicative of the first reward through the communications device as part of a purchase transaction; and

a second button associated with a second reward,

wherein the second button is not associated with the first reward.

2. The device of claim 1, wherein the first reward is a points reward.

3. The device of claim 1, wherein the first reward is a cashback reward.

4. The device of claim 1, wherein the first reward is a miles reward and the second reward is a cashback reward.

5. The device of claim 1, further comprising a third button.

6. The device of claim 1, further comprising:

a processor; and

an RFID.

7. The device of claim 1, further comprising an IC chip.

8. The device of claim 1, further comprising a display.

9. The device of claim 1, further comprising:

a display; and

an IC chip.

10. The device of claim 1, further comprising a plurality of displays.

11. The device of claim 1, further comprising a light source.

12. The device of claim 1, further comprising a biometric sensor.

13. The device of claim 1, further comprising:

a processor; and

an RFID.

14. The device of claim 1, further comprising an IC chip.

15. The device of claim 1, further comprising a display.

16. The device of claim 1, further comprising a light source.

17. The device of claim 1, further comprising a biometric sensor.

18. The device of claim 1, further comprising a third button.

19. The device of claim 1, wherein the communications device is a card reader communications device.

20. A device comprising:

a communications device;

a first button associated with acquiring rewards; and

a second button associated with using acquired rewards, the second button operable to communicate information indicative of using acquired rewards through the communications device as part of a purchase transaction.