Security authentication using payment card display devices at accepted merchant locations

• US 9,959,540 B2
• Filed: 05/22/2015
• Issued: 05/01/2018
• Est. Priority Date: 05/22/2015
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Inventors: Todasco, Michael Charles
• Primary Examiner(s): Khattar, Rajesh
• Application Number:
  US14/720,659
• Publication Number:
  US 20160342990A1
• Time in Patent Office: 1,075 Days
• Field of Search: None
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/0267 Wireless devices

Abstract

There are provided systems and methods for security authentication using payment card display devices at accepted merchant location. A user may be walking near or visiting a merchant location with a wireless smart payment card which may connect to a wireless beacon at the merchant location. The user'"'"'s payment card may communicate issuer and type of payment card data when connected with the wireless beacon. The beacon may communicate the user'"'"'s payment card data to a merchant device or server. The merchant device or server may compare user'"'"'s payment card data to merchant'"'"'s accepted payment sources. The merchant device or server may alert user'"'"'s payment card via communication through the wireless beacon, the payment card is accepted at the merchant location. Additionally, security identification and/or advertisements may be communicated to the user'"'"'s accepted payment card.

Claims

1. A system comprising:

a non-transitory memory; and

one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising;

in response to a wireless beacon at a merchant location detecting a payment card in a first proximity range to the wireless beacon using short range communication signals, determining the merchant location;

receiving payment card data for the payment card from the wireless beacon;

accessing accepted payment sources data for a merchant device associated with the merchant location;

determining a match between the payment card and the accepted payment sources using the payment card data;

in response to the match, activating, using the wireless beacon, a visual output component of the payment card in possession of a user at the merchant location using the short range communication signals of the wireless beacon, wherein the visual output component comprises at least an light emitting diode (LED), and wherein the activating the visual output component comprises causing the LED to turn on;

generating a security code specific to the payment card and the merchant device, wherein the security code is required to be matched between the payment card and the merchant device for transaction processing using the payment card at the merchant location; and

communicating the security code to the payment card and the merchant device, wherein matching the security code between the payment card and the merchant device by the merchant device authenticates use of the payment card with the merchant device for the transaction processing when scanning the payment card by the merchant device.

2. The system of claim 1, wherein the payment card is a contactless smart payment card comprising a controller, a memory and an antenna.

3. The system of claim 1, wherein the short range communication signals comprise one of near field communication, Bluetooth communication, Bluetooth Low Energy (BLE) communication, Wireless Fidelity (WiFi) communication, or Long-Term Evolution (LTE) Direct communication.

4. The system of claim 1, wherein a mobile device connects to the wireless beacon and the payment card.

5. The system of claim 1, wherein the payment card data comprises at least one of a type of the payment card or a name of an issuer of the payment card.

6. The system of claim 1, wherein the LED indicates that the payment card is accepted at the merchant location.

7. The system of claim 1, wherein the activating the visual output component further comprises displaying a message on the visual output component contained on the payment card, and wherein the message indicates that the payment card is accepted at the merchant location.

8. The system of claim 7, wherein additional messages are communicated to the visual output component contained on the payment card, and wherein the additional messages comprises at least one of a security message associated with fraudulent use of the payment card or an advertising message for the merchant location.

9. The system of claim 1, wherein the payment card is recommended from a plurality of alerted payment cards through a message on the visual output component, and wherein the payment card is recommended based on a comparison of payment card rewards and merchant offers available on each of the plurality of alerted payment cards.

10. A method comprising:

in response to a wireless beacon at a merchant location detecting a payment card in a first proximity range to the wireless beacon using short range communication signals, determining the merchant location;

receiving, via a network interface component, payment card data for the payment card from the wireless beacon;

accessing, by account module comprising at least one hardware processor, accepted payment sources for a merchant device associated with the merchant location;

determining a match between the payment card and the accepted payment sources using the payment card data;

in response to the match, activating, using the wireless beacon, a visual output component of the payment card in possession of a user at the merchant location using the short range communication signals of the wireless beacon, wherein the visual output component comprises at least an light emitting diode (LED), and wherein the activating the visual output component comprises causing the LED to turn on;

generating a security code specific to the payment card and the merchant device, wherein the security code is required to be matched between the payment card and the merchant device for transaction processing using the payment card at the merchant location; and

communicating the security code to the payment card and the merchant device, wherein matching the security code between the payment card and the merchant device by the merchant device authenticates use of the payment card with the merchant device for the transaction processing when scanning the payment card by the merchant device.

11. The method of claim 10, wherein the security code further comprises a security message that is unique to the merchant location.

12. The method of claim 11, wherein the security message is further provided to the merchant device.

13. The method of claim 11, wherein the security message comprises a coded message alerting the merchant device that the payment card or a transaction is fraudulent if the payment card is unauthorized or reported as stolen.

14. The method of claim 10, wherein the accessing the accepted payment sources comprises accessing the accepted payment sources from at least one of a merchant server or a payment provider server.

15. The method of claim 10, wherein the LED indicates that the payment card is accepted at the merchant location.

16. The method of claim 10, wherein the activating the visual output component further comprises displaying a message on the visual output component contained on the payment card, and wherein the message indicates that the payment card is accepted at the merchant location.

17. The method of claim 16, wherein additional messages are communicated to the visual output component contained on the payment card, and wherein the additional messages comprises at least one of a security message associated with fraudulent use of the payment card or an advertising message for the merchant location.

18. The method of claim 10, wherein the wireless beacon at broadcasts at a certain frequency communication of a particular payment card issuer, and wherein the payment card responds to the certain frequency communication by activating an LED contained on the payment card.

19. The method of claim 10, wherein determining the match further comprises recommending the payment card from a plurality of accepted payment cards through a message communicated to the visual output component contained on the payment card, and wherein the payment card is recommended based on a comparison of payment card rewards and merchant offers available on each of the plurality of accepted payment cards.

20. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:

in response to a wireless beacon at a merchant location detecting a payment card in a first proximity range to the wireless beacon using short range communication signals, determining the merchant location;

receiving, via a network interface component, a payment card data from a wireless beacon;

accessing, by account module comprising at least one hardware processor, accepted payment sources for a merchant device associated with the merchant location;

determining a match between the payment card and the accepted payment sources using the payment card data;

in response to the match, activating, using the wireless beacon, a visual output component of the payment card in possession of a user at the merchant location using the short range communication signals of the wireless beacon, wherein the visual output component comprises at least an light emitting diode (LED), and wherein the activating the visual output component comprises causing the LED to turn on;

generating a security code specific to the payment card and the merchant device, wherein the security code is required to be matched between the payment card and the merchant device for transaction processing using the payment card at the merchant location; and

communicating the security code to the payment card and the merchant, wherein matching the security code between the payment card and the merchant device by the merchant device authenticates use of the payment card with the merchant device for the transaction processing when scanning the payment card by the merchant device.