Augmented reality numberless transaction card

• US 9,836,736 B1
• Filed: 09/22/2016
• Issued: 12/05/2017
• Est. Priority Date: 07/24/2014
• Status: Active Grant

• Current Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Original Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Inventors: Neale, John Ross, Breed, William R., Singh, Jasvir K., Carolan, Geraldine M., Collings, Kristine, Eidam, Kourtney
• Primary Examiner(s): Le, Thien M
• Assistant Examiner(s): Taylor, April
• Application Number:
  US15/272,869
• Time in Patent Office: 439 Days
• CPC Class Codes: G06F 3/0488 using a touch-screen or digitiser, e.g. input of commands through traced gestures
• CPC Class Codes: G06F 3/16 Sound input; Sound output speech processing G10L
• CPC Class Codes: G06K 1/128 by electric registration, e.g. electrolytic, spark erosion recording apparatus for measuring instruments G01D15/06; information storage in general G11
• CPC Class Codes: G06K 19/06206 the magnetic marking being emulated
• 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: G06Q 20/327 Short range or proximity payments by means of M-devices
• 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 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/355 Personalisation of cards for use
• CPC Class Codes: G06Q 20/357 Cards having a plurality of specified features
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: G06T 11/00 2D [Two Dimensional] image generation
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence

Abstract

A method implemented on an augmented reality (AR) electronic device includes receiving a request to activate a transaction card account on a transaction card. The transaction card account is activated on the transaction card. A virtual representation of account information corresponding to the transaction card account is displayed on the AR electronic device. The exterior of the transaction card is free of account identifying information.

Claims

1. A transaction card comprising:

a processing unit;

a first memory configured to store account information for a plurality of transaction card accounts; and

system memory, the system memory including instructions which, when executed by the processing unit, cause the transaction card to;

receive a command from an electronic computing device to activate one of the plurality of transaction card accounts;

identify from the command a first transaction card account to activate;

obtain first data stored on the first memory relative to the first transaction card account;

determine whether one of the plurality of transaction card accounts is currently active on the transaction card; and

when a determination is made that none of the plurality of transaction card accounts is currently active on the transaction card, use the first data to activate the first transaction card account.

2. The transaction card of claim 1, wherein when a determination is made that one of the plurality of transaction card accounts is currently active on the transaction card:

deactivate the transaction card account that is currently active; and

use the first data to activate the first transaction card account.

3. The transaction card of claim 1, wherein the instructions further cause the transaction card to:

receive a command from the electronic computing device to remove a transaction card account; and

delete the transaction card account from the first memory.

4. The transaction card account of claim 1, wherein the instructions further cause the transaction card to:

receive a command from the electronic computing device to add a transaction card account; and

add the transaction card account to the first memory.

5. The transaction card of claim 1, wherein receiving the command from the electronic computing device further comprises receiving the command via near-field communication.

6. An augmented reality (AR) device comprising:

a processing unit; and

system memory, the system memory including instructions which, when executed by the processing unit, cause the AR device to;

initiate activation of a first transaction card account on a transaction card in response to a command;

obtain identification factors from a person wearing the AR device, the identification factors including at least one biometric identification factor;

authenticate the person wearing the AR device based on the identification factors to determine that the person wearing the AR device is authorized to activate the first transaction card account on the transaction card and to view first transaction card account information on the AR device;

after authenticating the person wearing the AR device, activate the first transaction card account on the transaction card, the activation of the first transaction card account comprising sending a wireless signal to the transaction card, the wireless signal including information identifying the first transaction card account to be activated;

display a first virtual representation of first transaction card account identifying information corresponding to the activated first transaction card account on the AR electronic device, the first virtual representation being projected on the transaction card by the AR electronic device, the first transaction card account identifying information including one or more of an account name, an account number, an expiration date and a card verification value (CVV) for the first transaction card account;

receive a request to activate a second transaction card account on the transaction card;

deactivate the first transaction card account on the transaction card;

activate the second transaction card account on the transaction card; and

display a second virtual representation of the second transaction card account information on the transaction card.

7. The AR device of claim 6, wherein the system memory stores information for a plurality of payment card accounts, and wherein the instructions further cause the AR electronic device to generate an alert on the AR electronic device indicating that one of the plurality of payment card accounts is compromised.