Systems and methods for providing an adaptable transponder device

• US 9,305,292 B1
• Filed: 07/03/2008
• Issued: 04/05/2016
• Est. Priority Date: 07/03/2008
• Status: Active Grant

• Current Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Original Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Inventors: Skelding, Dori K.
• Primary Examiner(s): Lim, Steven
• Assistant Examiner(s): Sherwin, Ryan
• Application Number:
  US12/167,495
• Time in Patent Office: 2,833 Days
• Field of Search: 340/1.1, 340/5.2, 340 54- 542, 340/5.61, 340/5.8, 340 59- 591, 340/10.1, 340/10.5, 340/10.51, 705/14.1, 705/14.22, 705/14.27, 705 143- 1439, 705/14.56, 705/14.64, 705/14.65, 705 1415- 1417, 705 65- 68, 705/77, 705/79, 902 8- 26
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G06Q 20/3574 Multiple applications on card
• CPC Class Codes: H04L 67/34 involving the movement of software or configuration parameters network booting or remote initial program loading [RIPL] G06F9/4416
• CPC Class Codes: H04W 4/50 Service provisioning or reconfiguring
• CPC Class Codes: H04W 4/80 Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

Abstract

Transponder alteration systems and methods are provided for altering the state of a transponder device in the field, the transponder device used by a transponder user. The system may comprise an alteration portion, disposed in a banking system, the alteration portion inputting an alteration request from a user for an additional application to be disposed upon the user'"'"'s transponder device. The processing of the alteration portion may include (1) accessing a database to retrieve data to process the alteration request; (2) generating an information packet for the user based on the retrieved data, and outputting the information packet to the user; and (3) generating a data packet based on the retrieved data, and outputting the data packet to an interim device, such that the interim device interfaces with the transponder device to transmit the data packet to the transponder device.

Claims

1. A transponder alteration system for altering the state of a transponder device in the field, the transponder device used by a transponder user, and the transponder device disposed in a user device of a user, the system comprising:

an interim interface device; and

an alteration portion, in the form of a computer processing machine, disposed in a banking system, the alteration portion inputting an alteration request from a user for an application to be disposed upon the user'"'"'s transponder device, the alteration portion;

accessing a database to retrieve data to process the alteration request;

generating an information packet for the user based on the retrieved data, and outputting the information packet to the user device of the user, the generating the information packet including adding location information into the information packet, the location information regarding a particular location to alter the transponder device;

generating a data packet based on the retrieved data, and

outputting the data packet to the interim interface device; and

the interim interface device maintaining a watch mode to detect when the transponder device is in proximity to the interim interface device at the particular location;

the interim interface device, from the watch mode, detecting that the transponder device is in proximity to the interim interface device;

the interim interface device initiating communication with the proximate transponder device; and

the interim interface device interfacing with the transponder device to transmit the data packet from the interim interface device to the transponder device.

2. The system of claim 1, wherein the alteration portion inputs a communication from the interim interface device indicating that the loading of the application upon the user'"'"'s transponder device is completed.

3. The system of claim 1, wherein the transponder device is an RFID device.

4. The system of claim 1, wherein the interim interface device is disposed in physical proximity to the transponder device so as to dispose the application on the transponder device.

5. The system of claim 4, wherein the interim interface device is disposed in a cell phone case in which a cell phone is disposed.

6. The system of claim 5, wherein the transponder device is attached to the cell phone.

7. The system of claim 1, wherein the interim interface device is disposed in a fixed location, such that the transponder device is brought to the interim interface device to effect the loading of the application.

8. The system of claim 1, wherein the interim interface device, in interfacing with the transponder device to transmit the data packet to the transponder device unlocks a file structure in the transponder device, such that the file structure may receive at least some of the data in the data packet.

9. The system of claim 8, wherein the interim interface device interfaces with the transponder device using wireless technology.

10. The system of claim 1, wherein the application is selected from the group consisting of a loyalty application, a rewards application, a public transportation application, and a building access application.

11. The system of claim 1, wherein the transponder device includes at least one loaded application, the application becoming a loaded application once the application is loaded.

12. The system of claim 11, the transponder device including a self destruct portion, the self destruct portion causing the inoperability of the at least one loaded application.

13. The system of claim 12, the self destruct portion causing the inoperability of all of the loaded applications on the transponder device.

14. The system of claim 12, wherein the self destruct portion causing the inoperability of the at least one loaded application includes:

the self destruct portion causing disablement of the at least one loaded application, such that the at least one loaded application is capable of later enablement.

15. The method of claim 14, wherein the communication portion and the alteration portion are disposed in a banking system.

16. The method of claim 14, wherein the communication portion and the alteration portion are disposed in a non-banking system.

17. The system of claim 12, wherein the self destruct portion causing the inoperability of the at least one loaded application includes:

the self destruct portion causing destruction of the at least one loaded application, such that the at least one loaded application is not capable of later enablement.

18. A transponder alteration system for altering the state of a transponder device in the field, the transponder device used by a transponder user, and the transponder device disposed in a user cell phone device of a user, the system comprising:

a transponder device;

an interim interface device; and

an alteration portion, in the form of a computer processing machine, disposed in a banking system, the alteration portion inputting an alteration request from the user cell phone device for an application to be disposed upon the user'"'"'s transponder device disposed in the user cell phone device of a user, the alteration portion;

accessing a database to retrieve data, based on the alteration request, to process the alteration request;

generating an information packet for the user cell phone device based on the retrieved data, which was retrieved from the database, the generating the information packet including adding location information into the information packet, the location information regarding a particular location to alter the transponder device;

outputting the information packet to the user cell phone device;

generating a data packet based on the retrieved data, which was retrieved from the database, and

outputting the generated data packet to the interim interface device; and

the interim interface device maintaining a watch mode to detect when the transponder device is in proximity to the interim interface device at the particular location;

the interim interface device, from the watch mode, detecting that the transponder device is in proximity to the interim interface device;

the interim interface device initiating communication with the proximate transponder device; and

the interim interface device interfacing with the transponder device to transmit the data packet from the interim interface device to the transponder device;

wherein the application is selected from the group consisting of a loyalty application, a rewards application, a public transportation application, and a building access application;

the transponder device includes at least one loaded application; and

the transponder device includes a self destruct portion, the self destruct portion causing the inoperability of the at least one loaded application.

19. A method for altering the state of a transponder device in the field, the transponder device used by a transponder user, and the transponder device disposed in a user device of a user, the method comprising:

inputting, by a communication portion, an alteration request from a user for an application to be disposed upon the user'"'"'s transponder device disposed in the user device of a user, the communication portion forwarding particulars of the request to an alteration portion;

performing processing, by the alteration portion, of the particulars of the request, the processing including;

accessing a database to retrieve data to process the alteration request;

generating an information packet for the user based on the retrieved data, the generating the information packet including adding location information into the information packet, the location information regarding a particular location to alter the transponder device;

outputting the information packet to the user device of the user;

generating a data packet based on the retrieved data, and

outputting the data packet to an interim interface device; and

maintaining, by the interim interface device, a watch mode to detect when the transponder device is in proximity to the interim interface device at the particular location;

detecting, by the interim interface device, from the watch mode, that the transponder device is in proximity to the interim interface device;

initiating, by the interim interface device, communications with the proximate transponder device; and

interfacing, by the interim interface device, with the transponder device to transmit the data packet from the interim interface device to the transponder device; and

wherein the alteration portion is in the form of a computer processing machine.