Dynamic payment device characteristics

• US 8,931,691 B2
• Filed: 12/01/2010
• Issued: 01/13/2015
• Est. Priority Date: 02/15/2007
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Manessis, Thomas, Gerber, Gary
• Primary Examiner(s): Le, Thien M
• Assistant Examiner(s): TAYLOR, APRIL ALICIA
• Application Number:
  US12/958,191
• Publication Number:
  US 20110186626A1
• Time in Patent Office: 1,504 Days
• Field of Search: 235/492, 235375-382, 235/487, 705/16, 705/17, 705/39, 705/41
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3415 Cards acting autonomously as pay-media
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A payment device is disclosed. It includes a memory including payment data; and a display coupled to the memory. A processor is configured to execute one or more instructions for displaying the payment data on the display. The payment device is in the form of a card.

Claims

1. A system configured to conduct transactions, comprising:

a payment device comprising

a display configured to display payment data for an account and non-payment data for the account, and

a memory coupled to the display, the memory storing the payment data and the non-payment data for the account, wherein the payment device is in a form of a card, and further wherein the payment device does not have a built-in power source; and

an access device comprising

a processor configured to dynamically generate and provide different payment data for each transaction conducted with the payment device, to the payment device, wherein the access device is external to the payment device,

wherein the payment device further comprises a first contactless element, wherein the access device further comprises a second contactless element, wherein the second contactless element transmits different payment data and different non-payment data to the first contactless element, and wherein the first contactless element transmits the payment data and the non-payment data to the second contactless element.

2. The system of claim 1, wherein the payment data comprises a primary account number associated with the account.

3. The system of claim 1, wherein the payment data comprises a card verification value.

4. The system of claim 1, wherein the non-payment data comprises a bank logo.

5. The system of claim 1, wherein the non-payment data comprises a coupon.

6. The system of claim 1, wherein the payment card is in a form of a contactless card.

7. The system of claim 1, wherein the payment data comprises authentication data.

8. The system of claim 1, wherein the non-payment data comprises a reward message.

9. The system of claim 1, wherein the display is a bistable display.

10. A method of using a system comprising (a) a device comprising a display configured to display payment data for an account and non-payment payment data for the account, and a memory coupled to the display, the memory storing the payment data and the non-payment data for the account, and a first contactless element, wherein the payment device is in a form of a card, and further wherein the payment device does not have a built-in power source, and (b) an access device comprising a processor configured to dynamically generate and provide different payment data and different non-payment data for each transaction conducted with the payment device, to the payment device, wherein the access device is external to the payment device, wherein the method comprises:

receiving, by a second contactless element in the access device and from the first contactless element in the payment device, the payment data and the non-payment data; and

transmitting, by the second contactless element in the access device and to the first contactless element in the payment device, different payment data and different non-payment data.

11. The method of claim 10 wherein the access device is a POS terminal.

12. The method of claim 10 wherein the payment data comprises a dynamic card verification value (dCVV2).

13. The method of claim 10 wherein the non-payment payment data comprises a coupon.