Advanced loyalty applications for powered cards and devices

• US 9,852,368 B1
• Filed: 07/17/2013
• Issued: 12/26/2017
• Est. Priority Date: 08/17/2009
• Status: Active Grant

• Current Assignee: Dynamics Inc.
• Original Assignee: Dynamics Inc.
• Inventors: Yen, Philip W., Mullen, Jeffrey D.
• Primary Examiner(s): Vo, Tuyen K
• Application Number:
  US13/944,455
• Time in Patent Office: 1,623 Days
• Field of Search: 235380, 235449, 235451, 235492, 235493, 235375, 235383, 235488
• 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 19/07701 the record carrier comprising an interface suitable for human interaction
• 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 20/347 Passive cards
• CPC Class Codes: G07F 7/0846 On-card display means
• CPC Class Codes: G07F 7/0853 On-card keyboard means

Abstract

Advanced loyalty applications are provided to improve the functionality of cards and devices. For example, a user interface may be placed on a card (e.g., a physical button) or a telephonic device (e.g., a virtual button on a capacitive touch screen). Manual input provided to this user interface may, for example, cause a non-merchant product (e.g., insurance) to be purchased with a merchant purchase. The product can be paid for with debit, credit, gift card balance, or points. A code indicative of a user'"'"'s desire to purchase the product may be communicated to a payment card reader (e.g., to a magnetic stripe reader via a magnetic stripe communications device). A display may be provided next to a button to allow a user to scroll, or toggle by pressing the button repeatedly, through different products (which may be merchant or non-merchant products).

Claims

1. A payment device, comprising;

a communication device operable to communicate magnetic stripe data as part of a first transaction with a transactional entity, the magnetic stripe data including first information and second information; and

a manual input operable to include at least the second information in the magnetic stripe data,

wherein the first information is associated with the first transaction, and

the second information is associated with a second transaction, the second transaction not being a transaction with the transactional entity.

2. The payment device of claim 1, wherein the second information is indicative of a purchase using cash from a debit account.

3. The payment device of claim 1, wherein the second information is indicative of a purchase using points.

4. The payment device of claim 1, wherein the second information is indicative of a purchase using credit from a credit account.

5. The payment device of claim 1, wherein the second information is indicative of a product not sold by the transactional entity.

6. The payment device of claim 1, wherein the second information is indicative of insurance.

7. The payment device of claim 1, wherein the second information is at least part of discretionary data in a discretionary data field of the magnetic stripe data.

8. The payment device of claim 1, wherein the first transaction and the second transaction are purchases,

the first information includes payment data, and

the second information is indicative of a product not sold by the transactional entity.

9. The payment device of claim 1, wherein the first transaction and the second transaction are purchases,

the first information includes payment data, and

the second information is indicative of a purchase using cash from a debit account.

10. The payment device of claim 1, wherein the first transaction and the second transaction are purchases,

the first information includes payment data, and

the second information is indicative of a purchase using points.

11. The payment device of claim 1, wherein the first transaction and the second transaction are purchases,

the first information includes payment data, and

the second information is indicative of a purchase using credit from a credit account.

12. The payment device of claim 1, wherein the second information is indicative of a first product not sold by the transactional entity, and

the first product is associated with a second product, the second product sold by the transactional entity.

13. The payment device of claim 1, wherein the first transaction is a purchase of a first product,

the second transaction is a purchase of a second product not sold by the transactional entity,

the second information is indicative of the second product, and

the second product is associated with the first product.

14. The payment device of claim 1, wherein the first transaction is a purchase of a first product,

the second information is indicative of a purchase of a second product not sold by the transactional entity, the second product associated with the first product, and

the second product is at least one of an extended warranty, defect protection, damage protection, theft protection, product registration, insurance, expedited delivery, and ombudsman service.

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

16. The payment device of claim 1, further comprising:

an RFID; and

an IC chip.

17. The payment device of claim 1, further comprising a processor.

18. A payment device, comprising;

a communication device operable to communicate magnetic stripe data as part of a transaction with a transactional entity, the magnetic stripe data including first information and second information, the first information associated with a first purchase and the second information associated with a second purchase.

19. The payment device of claim 18, further comprising:

a manual input operable to include at least the second information in the magnetic stripe data.

20. The payment device of claim 18, further comprising:

a manual input operable to include at least the second information in the magnetic stripe data,

wherein the second purchase is not a purchase associated with the transactional entity.