Advanced loyalty applications for powered cards and devices

• US 9,953,255 B1
• Filed: 11/16/2017
• Issued: 04/24/2018
• 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:
  US15/815,648
• Time in Patent Office: 159 Days
• Field of Search: 235375, 235380, 235449, 235493
• 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 method, comprising;

receiving, by a server, transaction data as part of a first transaction with a first transactional entity, the transaction data including first information associated with the first transaction and second information associated with a second transaction including a second transactional entity different from the first transactional entity.

2. The method of claim 1, further comprising:

causing, by the server, a purchase using cash from a debit account based on the second information.

3. The method of claim 1, further comprising:

causing, by the server, a purchase using points based on the second information.

4. The method of claim 1, further comprising:

causing, by the server, a purchase using credit from a credit account based on the second information.

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

6. The method of claim 1, further comprising:

causing, by the server, a purchase of insurance based on the second information.

7. The method of claim 1, further comprising:

parsing data in a discretionary data field of magnetic stripe data to determine the second information,

wherein the transaction data includes the magnetic stripe data.

8. The method of claim 1, further comprising:

authorizing, by the server, a first purchase based on payment data; and

causing, by the server, the second transaction based on information indicative of a product not sold by the first transactional entity,

wherein the first transaction includes the first purchase,

the first information includes the payment data, and

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

9. The method of claim 1, further comprising:

authorizing, by the server, a first purchase based on payment data; and

causing, by the server, a second purchase based on information indicative of a purchase using cash from a debit account,

wherein the first transaction includes the first purchase,

the second transaction includes the second purchase,

the first information includes the payment data, and

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

10. The method of claim 1, further comprising:

authorizing, by the server, a first purchase based on payment data; and

causing, by the server, a second purchase based on information indicative of purchasing points,

wherein the first transaction includes the first purchase,

the second transaction includes the second purchase,

the first information includes the payment data, and

the second information includes the information indicative of purchasing points.

11. The method of claim 1, further comprising:

authorizing, by the server, a first purchase using points; and

causing, by the server, a second purchase based on information indicative of purchasing points,

wherein the first transaction includes the first purchase,

the second transaction includes the second purchase,

the first information includes the payment data, and

the second information includes the information indicative of purchasing points.

12. The method 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 method 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 method 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.