Granted Patent B2

US 10,579,992 · App. 15/861,511 · Granted Mar 3, 2020

Inventors: Thiago Olson (Ann Arbor, MI); Chris Bartenstein (Ann Arbor, MI)

Assignee: CardLab ApS.

G06Q20/3415G06K7/087G06K19/06206G06Q20/341G06Q20/3572G07F7/0833G07F7/0853H04W76/10

Abstract

Claims (165)

1. A method for controlling a payment card comprising a payment emulator, the method comprising:

at a mobile computing device:

retrieving a geospatial location of the mobile computing device;

selecting a first duration of a first payment timer based on the geospatial location;

transmitting a first sequence command to the payment card, the first sequence command associated with a first payment method;

transmitting the first payment timer for the first payment sequence command to the payment card;

transmitting a second sequence command to the payment card, the second sequence command associated with a second payment method;

transmitting a second payment timer for the second payment sequence command to the payment card; and

at the payment card, in response to detecting a first input selecting the first payment method:

initiating the first payment timer;

while the first payment timer is active, triggering the payment emulator to output the first payment sequence command in response to detecting a card reader proximal the payment card; and

in response to expiration of the first payment timer, disabling the payment emulator.

2. A method for controlling a payment card comprising a payment emulator, the method comprising:

at a mobile computing device:

transmitting a first sequence command to the payment card, the first sequence command associated with a first payment method;

transmitting a first payment timer for the first payment sequence command to the payment card;

transmitting a second sequence command to the payment card, the second sequence command associated with a second payment method;

transmitting a second payment timer for the second payment sequence command to the payment card; and

at the payment card, in response to detecting a first input, selecting the first payment method:

initiating the first payment timer;

following initiation of the first timer and prior to expiration of the first timer:

serving a notification to the mobile computing device, the notification comprising a warning of impending expiration of the first timer and a prompt to extend the first timer; and

extending the first timer in response to confirmation from the user to extend the first timer;

while the first payment timer is active, triggering the payment emulator to output the first payment sequence command in response to detecting a card reader proximal the payment card; and

in response to expiration of the first payment timer, disabling the payment emulator.

3. A method for controlling a payment card comprising a payment emulator, the method comprising:

at a mobile computing device:

transmitting a first sequence command to the payment card, the first sequence command associated with a first payment method;

transmitting a first payment timer for the first payment sequence command to the payment card;

transmitting a second sequence command to the payment card, the second sequence command associated with a second payment method;

transmitting a second payment timer for the second payment sequence command to the payment card; and

at the payment card, in response to detecting a first input selecting the first payment method:

initiating the first payment timer;

while the first payment timer is active, triggering the payment emulator to output the first payment sequence command in response to detecting a card reader proximal the payment card; and

in response to expiration of the first payment timer:

disabling the payment emulator; and

initiating the second payment timer; and

while the second payment timer is active:

triggering the payment emulator to output the second payment sequence command in response to detecting a card reader proximal the payment card; and

in response to expiration of the second payment timer, disabling the payment emulator.

4. A method for controlling a payment card comprising a payment emulator, the method comprising:

at a mobile computing device:

transmitting a first sequence command to the payment card, the first sequence command associated with a first payment method;

transmitting a first payment timer for the first payment sequence command to the payment card;

transmitting a second sequence command to the payment card, the second sequence command associated with a second payment method;

transmitting a second payment timer for the second payment sequence command to the payment card; and

at the payment card, in response to detecting a first input, selecting the first payment method:

initiating the first payment timer;

while the first payment timer is active, triggering the payment emulator to output the first payment sequence command in response to detecting a card reader proximal the payment card; and

in response to expiration of the first payment timer, disabling the payment emulator;

at the mobile computing device:

in response to receiving a notice of suspicious activity for the first payment method from a remote computer, transmitting a command to deactivate the payment card; and

in response to detecting the payment card within a threshold distance of the mobile computing device, reactivating the payment card to receive payment selections to the first input region and the second input region.

5. A method for controlling a payment card comprising a payment emulator, the method comprising:

at a mobile computing device:

transmitting a first sequence command to the payment card, the first sequence command associated with a first payment method;

transmitting a first payment timer for the first payment sequence command to the payment card;

transmitting a second sequence command to the payment card, the second sequence command associated with a second payment method;

transmitting a second payment timer for the second payment sequence command to the payment card; and

at the payment card:

in response to detecting a first input proximal the first input region of the payment card, establishing a wireless connection between the mobile computing device and the payment card;

arming the payment emulator with the first payment sequence command in response to confirming the wireless connection;

in response to detecting a first second input selecting the first payment method:

initiating the first payment timer;

while the first payment timer is active, triggering the payment emulator to output the first payment sequence command in response to detecting a card reader proximal the payment card; and

in response to expiration of the first payment timer, disabling the payment emulator.

6. A method for controlling a payment card comprising a payment emulator, the method comprising:

at a mobile computing device:

receiving a first custom timer setting for the first payment method entered by a user at the mobile computing device;

assigning the first custom timer setting to a first payment timer;

receiving a second custom timer setting for the second payment method entered by the user at the mobile computing device;

assigning the second custom timer setting to a second payment timer;

transmitting a first sequence command to the payment card, the first sequence command associated with a first payment method;

transmitting the first payment timer for the first payment sequence command to the payment card;

transmitting a second sequence command to the payment card, the second sequence command associated with a second payment method;

transmitting the second payment timer for the second payment sequence command to the payment card; and

at the payment card, in response to detecting a first input selecting the first payment method:

initiating the first payment timer;

while the first payment timer is active, triggering the payment emulator to output the first payment sequence command in response to detecting a card reader proximal the payment card; and

in response to expiration of the first payment timer, disabling the payment emulator.

7. A method for controlling a payment card comprising a payment emulator, the method comprising:

at a mobile computing device:

transmitting a first sequence command to the payment card, the first sequence command associated with a first payment method;

transmitting a first payment timer for the first payment sequence command to the payment card;

transmitting a second sequence command to the payment card, the second sequence command associated with a second payment method;

transmitting a second payment timer for the second payment sequence command to the payment card; and

at the payment card, in response to detecting a first input selecting the first payment method:

initiating the first payment timer;

while the first payment timer is active:

arming the payment emulator to output the first payment sequence command while wireless connectivity between the payment card and the mobile computing device persists;

while wireless connectivity between the payment card and the mobile computing device persists, triggering the payment emulator to output the first payment sequence command in response to detecting a card reader proximal the payment card; and

in response to loss of wireless connectivity between the payment card and the mobile computing device, triggering the payment emulator to output the first payment sequence command in response to detecting a card reader proximal the payment card while the first payment timer is active; and

in response to expiration of the first payment timer, disabling the payment emulator.

8. The method of claim 1 further comprising, at the payment card in response to detecting a second input, selecting the second payment method:

initiating the second payment timer;

while the second payment timer is active:

arming the payment emulator to output the second payment sequence command;

in response to detecting the card reader proximal the payment card, triggering the payment emulator to output the second payment sequence command; and

in response to expiration of the second payment timer, disabling the payment emulator.

9. The method of claim 1 :

wherein transmitting the first sequence command to the payment card comprises storing the first sequence command in local memory at the payment card; and

further comprising, in response to expiration of the first payment timer, deleting the first sequence command from local memory at the payment card.

10. The method of claim 1 , further comprising:

at the payment card, following initiation of the first timer and prior to expiration of the first timer:

serving a notification to the mobile computing device, the notification comprising a warning of impending expiration of the first timer and a prompt to extend the first timer; and

extending the first timer in response to confirmation from the user to extend the first timer.

11. The method of claim 1 , further comprising,

in response to expiration of the first timer, initiating the second payment timer;

while the second payment timer is active:

triggering the payment emulator to output the second payment sequence command in response to detecting a card reader proximal the payment card; and

in response to expiration of the second payment timer, disabling the payment emulator.

12. The method of claim 3 :

further comprising:

retrieving a first geospatial location of the mobile computing device;

selecting the first payment method and the second payment method, from a set of payment methods, based on the first geospatial location of the mobile computing device;

wherein transmitting the first payment timer comprises:

assigning the first payment timer to the first payment method based on the first geospatial location of the mobile computing device; and

transmitting the first payment timer to the payment card in response to confirming a wireless connection between the payment card and the mobile computing device; and

wherein transmitting the second payment timer comprises:

assigning the second payment timer to the second payment method based on the first geospatial location of the mobile computing device, the second payment timer less than the first payment timer; and

transmitting the second payment timer to the payment card in response to confirming a wireless connection between the payment card and the mobile computing device.

13. The method of claim 12 , further comprising, at the mobile computing device:

detecting relocation of the mobile computing device from the first geospatial location to a second geospatial location; and

in response to detecting relocation of the mobile computing device to the second geospatial location, transmitting a third payment timer assigned to the first payment sequence command to the payment card, the third timer less than the first payment timer and based on the second geospatial location of the mobile computing device.

14. The method of claim 12 :

wherein transmitting the first payment sequence command to the payment card comprises transmitting the first payment sequence command comprising a first magnetic stripe sequence representing a credit card;

wherein transmitting the second payment sequence command to the payment card comprises transmitting the second payment sequence command comprising a second magnetic stripe sequence representing a loyalty account card associated with the geospatial location currently occupied by the mobile computing device; and

further comprising, at the payment card, defaulting to the second payment method by arming the payment emulator to output the second payment sequence command.

15. The method of claim 1 , further comprising at the mobile computing device:

in response to receiving a notice of suspicious activity for the first payment method from a remote computer, transmitting a command to deactivate the payment card; and

in response to detecting the payment card within a threshold distance of the mobile computing device, reactivating the payment card to receive payment selections to the first input region and the second input region.

16. The method of claim 1 , further comprising:

in response to detecting the input proximal the first input region of the payment card, establishing a wireless connection between the mobile computing device and the payment card; and

arming the payment emulator with the first payment sequence command in response to confirming the wireless connection.

17. The method of claim 1 :

wherein transmitting the first payment sequence command comprises transmitting a first magnetic sequence command associated with the first payment method to the payment card;

wherein triggering the payment emulator to output the first payment sequence command comprises powering a coil of a magnetic stripe emulator integrated into the payment card according to the first magnetic sequence command to initiate transmission of payment information of the first payment method; and

wherein disabling the payment emulator comprises disabling the coil of the magnetic stripe emulator in response to expiration of the first payment timer to disable transmission of payment information of the first payment method.

18. The method of claim 1 :

wherein transmitting the first payment timer comprises:

receiving a first custom timer setting for the first payment method entered by a user at the mobile computing device; and

assigning the first custom timer setting to the first payment timer; and

wherein transmitting the second payment timer comprises:

receiving a second custom timer setting for the second payment method entered by the user at the mobile computing device; and

assigning the second custom timer setting to the second payment timer.

19. The method of claim 1 :

wherein triggering the payment emulator to output the first payment sequence command comprises arming the payment emulator to output the first payment sequence command while wireless connectivity between the payment card and the mobile computing device persists;

wherein triggering the payment emulator to output the first payment sequence command comprises:

while wireless connectivity between the payment card and the mobile computing device persists, triggering the payment emulator to output the first payment sequence command in response to detecting a card reader proximal the payment card; and

in response to loss of wireless connectivity between the payment card and the mobile computing device, triggering the payment emulator to output the first payment sequence command in response to detecting a card reader proximal the payment card while the first payment timer is active.

20. A method for controlling a payment card comprising a payment emulator and a first input region, the method comprising:

at a mobile computing device:

transmitting a first payment sequence command to the payment card, the first payment sequence command associated with a first payment method;

transmitting a second payment sequence command to the payment card, the second payment sequence command associated with a second payment method; and

transmitting a first payment timer for the first payment sequence command to the payment card; and

at the payment card:

while wireless connectivity between the payment card and the mobile computing device persists, triggering the payment emulator to output the first payment sequence command in response to detecting a card reader proximal the payment card; and

in response to loss of wireless connectivity between the payment card and the mobile computing device, initiating the first payment timer;

in response to detecting a card reader proximal the payment card while the first payment timer is active, triggering the payment emulator to output the first payment sequence command; and

in response to expiration of the first payment timer:

disabling the payment card;

initiating a second payment timer;

while the second payment timer is active:

triggering the payment emulator to output the second payment sequence command in response to detecting a card reader proximal the payment card; and

in response to expiration of the second payment timer, disabling the payment emulator.

Continuity (9)