Systems, methods, and apparatus to facilitate locating a user of a transaction device

• US 8,550,361 B2
• Filed: 10/28/2008
• Issued: 10/08/2013
• Est. Priority Date: 10/28/2008
• Status: Active Grant

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Skowronek, Daniel P
• Primary Examiner(s): VO, TUYEN KIM
• Application Number:
  US12/259,364
• Publication Number:
  US 20100102122A1
• Time in Patent Office: 1,806 Days
• Field of Search: 235/375, 235/380, 235/382, 235/382.5, 235/451, 235/487, 235/492, 235/383, 235/449, 705/16, 705/44, 705/64, 705/5
• US Class Current: 235/492
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices

Abstract

Embodiments of the invention may relate to systems, methods, and apparatus to facilitate locating a user of a transaction device. In one embodiment, a contactless transaction device for facilitating locating the user can be provided. The contactless transaction device may include an antenna operable to electromagnetically receive and transmit data. The contactless transaction device may also include a microchip comprising a memory operable to store consumer account data and location alert data and in communication with the antenna, wherein the microchip is operable to transmit the location alert data to a transaction terminal via the antenna when the contactless transaction device is presented to facilitate a transaction with the transaction terminal.

Claims

1. A contactless transaction device comprising:

an antenna operable to electromagnetically receive and transmit data; and

a microchip comprising a memory operable to store consumer account data and location alert data and in communication with the antenna, wherein the microchip is operable to;

(i) receive, from a guardian operating a data update terminal, location alert data,

(ii) transmit the location alert data to a transaction terminal via the antenna when the contactless transaction device is presented by a user, other than the guardian, to facilitate a transaction with the transaction terminal,

(iii) determine based at least in part on the location alert data whether restrictive criteria set by the guardian and associated with at least one of a boundary condition, safe location, or time of day has been violated,

(iv) if the restrictive criteria is violated, transmit based at least in part on the determination the location alert data and not the consumer account data, and

(v) if the restrictive criteria is not violated, transmit, based at least in part on the determination, the consumer account data to the transaction terminal via the antenna;

(vi) wherein the location alert data indicates to the transaction terminal to transmit an alert to the guardian indicating the location of the user of the contactless transaction device.

2. The contactless transaction device of claim 1, wherein the location alert data indicates to the transaction terminal to transmit the location of the user of the contactless transaction device.

3. The contactless transaction device of claim 1, wherein the location alert data comprises at least one of:

cardholder information, cardholder contact information, guardian contact information, cardholder boundary information, time of day information, safe location information, an absolute alert indicator, medical provider information, law enforcement officer information, or service provider information.

4. The contactless transaction device of claim 1, wherein the microchip is operable to receive updated location alert data via the antenna.

5. The contactless transaction device of claim 1, wherein the microchip is further operable to transmit the consumer account data responsive to a request from the transaction terminal.

6. The contactless transaction device of claim 1, further comprising account indicia displayed on the transaction device, wherein the account indicia is associated with at least one of the consumer account data or the location alert data.

7. A method for locating a transaction device user, comprising:

requesting, by a transaction terminal comprising one or more computers, consumer account data from a transaction device when the transaction device is presented to facilitate a transaction with the transaction terminal, wherein the transaction device is operable to store consumer account data and location alert data, the location alert data received from a guardian operating a data update terminal;

receiving the location alert data at the transaction terminal from the transaction device presented by a user other than the guardian;

determine based at least in part on the location alert data whether restrictive criteria set by the guardian and associated with at least one of a boundary condition, safe location, or time of day has been violated;

if the restrictive criteria is violated,

transmitting the location alert data and not the consumer account data;

generating a user location alert, responsive to receiving the location alert data; and

transmitting the user location alert to the guardian;

if the restrictive criteria is not violated,

requesting, by the transaction terminal from the transaction device based at least in part on the determination, the consumer account data; and

facilitating the transaction based at least in part on the consumer data.

8. The method of claim 7, wherein the location alert data comprises at least one of:

cardholder information, cardholder contact information, guardian contact information, cardholder boundary information, time of day information, an absolute alert indicator, safe location information, medical provider information, law enforcement officer information, or service provider information.

9. The method of claim 7, wherein the transaction device comprises account indicia displayed thereon, wherein the account indicia is associated with at least one of the consumer account data or the location alert data, and further comprising entering at least part of the account indicia at the transaction terminal.

10. The method of claim 7, wherein the user location alert generated by the transaction terminal comprises information indicating the transaction terminal location, and further comprising transmitting the user location alert to at least one of:

a guardian of the transaction device cardholder, a medical provider, a law enforcement officer, or a service provider.

11. The method of claim 7, wherein the location alert data comprises cardholder information and at least one of guardian contact information, medical provider information, law enforcement officer information, or service provider, and wherein the user location alert generated by the transaction terminal comprises instructions to an operator of the transaction terminal to contact at least one of the guardian, the medical provider, the law enforcement officer, or the service provider.

12. The method of claim 7, further comprising transmitting the user location alert from the transaction terminal over a network to at least one of a service provider or a financial institution.

13. The method of claim 12, wherein the user location alert is transmitted as a new transaction type.

14. The method of claim 12, wherein the network comprises a bank network.

15. The method of claim 12, wherein the user location alert comprises information to enable the service provider or the financial institution to contact a guardian of the transaction device cardholder.

16. The method of claim 12, wherein the user location alert comprises information to enable the service provider or the financial institution to determine if a notification of the location of the user of the transaction device should be generated.

17. The method of claim 7, further comprising transmitting a transaction request from the transaction terminal to a financial institution or a service provider over a bank network, responsive to receiving the location alert data, wherein the transaction request comprises a bank identification number indicating that the transaction comprises a user location alert transaction.

18. The method of claim 7, wherein the transaction device comprises a contactless transaction device comprising an antenna, and a microchip comprising a memory operable to store the consumer account data and the location alert data and in communication with the antenna;

and wherein receiving the location alert data at the transaction terminal comprises receiving the location alert data from the microchip via the antenna.

19. A system, comprising:

a memory comprising instructions;

a processor in communication with the memory, and operable to execute the instructions to;

receive, from a transaction terminal via a network, a user location alert, wherein the user location alert is generated by the transaction terminal responsive to receiving location alert data from a transaction device, the location alert data received from a guardian, and evaluating the location alert data from the transaction device when the transaction device is presented by a user other than the guardian to facilitate a transaction with the transaction terminal;

determine based at least in part on the location alert data whether restrictive criteria set by the guardian and associated with at least one of a boundary condition, safe location, or time of day has been violated;

if the restrictive criteria is violated,

transmit the location alert data and not the consumer account data;

generate a user location alert, responsive to receiving the location alert data; and

transmit the user location alert to the guardian; and

if the restrictive criteria is not violated,

request, based at least in part the determination, consumer account data; and

facilitate the transaction based at least in part on the consumer data.

20. The system of claim 19, wherein the processor is further operable to execute the instructions to transmit the message by at least one of:

email, an internet message, short messaging service messaging, or telephonically.

21. The system of claim 19, wherein the network comprises a bank network.

22. The system of claim 19, wherein the processor is further operable to execute the instructions to determine that the user of the transaction device is violating at least one rule prior to generating the alert indicating the location of the user.

23. The system of claim 22, wherein the at least one rule comprises at least one of:

cardholder boundary information, time of day information, safe location information, or an absolute alert indicator.

24. The system of claim 19, wherein the system for locating the transaction device user is associated with a third party service provider in communication with the transaction terminal over a network.