Patent application number | Description | Published |
20080265039 | Protected Contactless Card - A protected contactless presentation instrument is disclosed. In one embodiment, the protected contactless presentation instrument includes an RFID chip that can be manually exposed and shielded by a user. The protected contactless presentation instrument may include a moveable tab that includes the RFID chip. The protected contactless presentation instrument may also include a moveable shield. Another embodiment of the invention provides for a contactless presentation instrument that includes an electroluminescence material. | 10-30-2008 |
20090106160 | AUTHORIZATIONS FOR MOBILE CONTACTLESS PAYMENT TRANSACTIONS - Embodiments generally relate to systems and methods for processing electronic payments for retail services and goods delivered by unattended retail device. In embodiments, an unattended retail device leverages a consumer's mobile appliance to send the transaction and payment information to an authorizing authority. The authorizing authority receives the payment and transaction information, authorizes or declines the payment of the transaction, and forwards the authorization or declination to the mobile appliance. The mobile appliance then sends the authorization or declination to the unattended retail device. If authorized, the unattended retail device provides the retail good or service. | 04-23-2009 |
20090112765 | SYSTEM AND METHOD FOR VALIDATION OF TRANSACTIONS - A financial institution may flag suspicious transactions that are conducted using an NFC-enabled mobile phone. The account holder establishes a second PIN that is separate from the primary PIN used by the customer to authenticate transactions. When a transaction is flagged, a message is sent to the customer at the mobile phone requesting entry of the second PIN. If the second PIN is not correctly entered, activity on the account is suspended. | 04-30-2009 |
20090240579 | CUSTOMER LOYALTY PROGRAM WITH SHARED DATA AND SUB-PROGRAMS - Embodiments of the present disclosure provide systems and methods for increasing participation in loyalty programs. In embodiments, the customer opts into a loyalty program. The customer is then provided with information about his or her loyalty participation and also is provided with information about one or more other customer's participation in the loyalty program. In another embodiment, one or more loyalty members can form their own competition or group within the loyalty program. The members can create loyalty sub-program rules for a competition and allow fellow loyalty members to participate in the competition. The customizable loyalty sub-program competitions further enhance member participation. | 09-24-2009 |
20100010964 | CUSTOMER PRE-SELECTED ELECTRONIC COUPONS - Embodiments presented herein generally relate to novel systems and methods for managing electronic coupons. In embodiments, the user uploads one or more coupons into a mobile device. While shopping, the mobile device receives communications from one or more NFC sensors/transmitters associated with one or more products in one or more product displays. The mobile device can determine from information in the communication to which product the communication applies. The mobile device can then search for one or more uploaded coupons that apply to the one or more products. In embodiments, the mobile device alerts the user when one or more of the coupons apply. | 01-14-2010 |
20100023449 | MOBILE PAYMENT ADOPTION BY ADDING A DEDICATED PAYMENT BUTTON TO MOBILE DEVICE FORM FACTORS - Embodiments presented herein generally relate to a novel mobile device containing a near field communication (NFC) component. In embodiments, the mobile device includes a payment user interface device. The payment user interface device may be a button on a keypad or may be an icon on a user interface. In embodiments, only after activating, by depressing or selecting, the payment user interface device can allow a user to use the NFC component. In embodiments, the NFC component is powered off until the activation of the payment user interface device. | 01-28-2010 |
Patent application number | Description | Published |
20100102122 | Systems, Methods, and Apparatus to Facilitate Locating a User of a Transaction Device - 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. | 04-29-2010 |
20100102123 | Systems, Methods, and Apparatus for Facilitating Access to Medical Information - Embodiments of the invention may relate to systems, methods, and apparatus for facilitating access to medical information. In one embodiment, a method of facilitating access to medical data stored on a contactless transaction device may include transmitting to a contactless transaction device a transaction request comprising either a consumer account transaction type or a medical information transaction type. If the transaction request comprises the consumer account transaction type, the consumer account data may be received from the contactless transaction device, responsive to a determination that the transaction terminal is authorized to receive data associated with the transaction request type. If the transaction request comprises the medical information transaction type, the medical data may be received from the contactless transaction device, responsive to a determination that the transaction terminal is authorized to receive data associated with the transaction request type. | 04-29-2010 |
20100102131 | Systems and Methods for Disabling a Contactless Transaction Device - Certain embodiments of the invention can provide systems and methods for disabling a contactless transaction device. In one example embodiment, a contactless transaction device operable to facilitate an electronic transaction is provided. The device may include a body, a microchip integrated with the body, and an antenna integrated with the body and in communication with the microchip. The body may include destruction indicia to indicate at least one position on the body to receive a force to disable use of the contactless transaction device for facilitating an electronic transaction. | 04-29-2010 |
20100102966 | Devices and Methods for Protecting a Packaged Radio Frequency Identification Device from Electronic Reading - Devices and methods for protecting a radio frequency identification (RFID) device from electronic reading prior to the sale of the RFID device where a package includes an upper layer comprising a radio frequency shielding material covering at least the upper and side portions of an RFID device. The package also includes a lower layer covering the lower portion of the RFID device, where the lower layer is connected to the upper layer. The package also includes a tamper indicator that provides a physical indication of when the package has been at least partially opened or damaged. The package may be composed of plastic sheeting incorporated with radio frequency shielding material, such as a ferrous material, and in some embodiments may include a plastic film envelope incorporated with radio frequency shielding material encasing the RFID device. | 04-29-2010 |
20100114773 | Systems, Methods, And Apparatus For Using A Contactless Transaction Device Reader With A Computing System - Embodiments of the invention may relate to systems, methods, and apparatus for using a contactless transaction device reader with a computing system. According to one embodiment, a system for conducting a transaction on a personal computing system using a contactless transaction device may include a communications interface operable to connect with a network, a memory, a contactless transaction device reader operable to communicate wirelessly with a contactless transaction device, and a processor in communication with the memory, the communications interface, and the contactless transaction device reader. The processor may be operable to cause the contactless transaction device reader to read information from the contactless transaction device, to verify that the user's authority, to provide transaction information, based at least in part on the information read from the contactless transaction device, when conducting a transaction, and to transmit at least a portion of the transaction information to an entity. | 05-06-2010 |