IP Library Granted Patent US 11,397,937
Granted Patent B1
US 11,397,937 · App. 16/895,306 · Granted Jul 26, 2022

Augmented reality numberless transaction card

Inventors: John Ross Neale (Des Moines, IA); William R. Breed (Surprise, AZ); Jasvir K. Singh (Saint Anthony Village, MN); Geraldine M. Carolan (Mesa, AZ); Kristine Collings (Charlotte, NC); Kourtney Eidam (Marietta, GA)
Assignee: Wells Fargo Bank, N.A.
G06Q20/327G06Q20/409G06Q20/4014G06T11/00G06F3/0488G06F3/16
View Patent ↗
Loading inventors, assignments & file history…
Monitor This Case
Get email alerts when status or documents change.
Order Certified Copies
Most orders are placed with the USPTO same day — all within 24 business hours.
Order via The Patent Place →
Pre-filled with this patent's details
Quick Facts
Patent No.
US 11,397,937
App. No.
16/895,306
Granted
Jul 26, 2022
Kind
B1
Abstract

A method implemented on an augmented reality (AR) electronic device includes receiving a request to activate a transaction card account on a transaction card. The transaction card account is activated on the transaction card. A virtual representation of account information corresponding to the transaction card account is displayed on the AR electronic device. The exterior of the transaction card is free of account identifying information.

Claims (48)

1. A transaction card, comprising:

a plastic housing supporting:

a processing unit; and

system memory, the system memory being configured to store account information for a plurality of transaction card accounts including instructions which, when executed by the processing unit, cause the transaction card to:

receive, from an electronic computing device, virtual account information usable by the transaction card, the virtual account information being converted from a scanned image of another transaction card and being associated with one of the plurality of transaction card accounts;

receive a command from the electronic computing device to activate one of the plurality of transaction card accounts;

identify from the command a first transaction card account to activate;

determine whether one of the plurality of transaction card accounts is currently active on the transaction card; and

when a determination is made that none of the plurality of transaction card accounts is currently active on the transaction card, activate the first transaction card account.

2. The transaction card of claim 1 , wherein the instructions, when executed by the processing unit, further cause the transaction card to:

obtain first data stored on the system memory relative to the first transaction card account,

wherein the determination is made using the first data.

3. The transaction card of claim 2 , wherein when a determination is made that one of the plurality of transaction card accounts is currently active on the transaction card:

deactivate the transaction card account that is currently active; and

use the first data to activate the first transaction card account.

4. The transaction card of claim 1 , wherein the instructions, when executed by the processing unit, further cause the transaction card to:

receive a command from the electronic computing device to remove a transaction card account; and

delete the transaction card account from the system memory.

5. The transaction card account of claim 1 , wherein the instructions, when executed by the processing unit, further cause the transaction card to:

receive a command from the electronic computing device to add a transaction card account; and

add the transaction card account to the system memory.

6. The transaction card of claim 1 , wherein receiving the command from the electronic computing device further comprises receiving the command via near-field communication.

7. The transaction card of claim 1 , further comprising:

a wireless communication device supported by the plastic housing.

8. The transaction card of claim 7 , wherein the wireless communication device receives the command.

9. The transaction card of claim 8 , wherein the wireless communication device is a radio frequency identification (RFID) device.

10. The transaction card of claim 1 , further comprising:

an account information delivery element supported by the plastic housing and configured to deliver data related to an active transaction card account.

11. The transaction card of claim 10 , wherein the account information delivery element includes a dynamic magnetic stripe.

12. The transaction card of claim 1 , wherein the transaction card does not have any account identifying information displayed on the transaction card.

13. The transaction card of claim 12 , wherein the account identifying information includes any account numbers, card verification value (CVV) numbers, and expiration dates.

14. A method for providing a transaction card, the method comprising:

linking the transaction card to a linked account of a plurality of transaction card accounts stored in a system memory of the transaction card using a scanned image of another transaction card associated with the linked account, including converting card information of the another transaction card from the scanned image into virtual account information usable by the transaction card;

receiving a command from an electronic computing device to activate one of the plurality of transaction card accounts;

identifying from the command a first transaction card account to activate;

determining whether one of the plurality of transaction card accounts is currently active on the transaction card;

when a determination is made that none of the plurality of transaction card accounts is currently active on the transaction card, activating the first transaction card account; and

projecting, using the electronic computing device, account identifying information of an activated account of the plurality of transaction card accounts onto the transaction card.

15. The method of claim 14 , wherein when a determination is made that one of the plurality of transaction card accounts is currently active on the transaction card:

deactivating the transaction card account that is currently active; and

using the first data to activate the first transaction card account.

16. The method of claim 14 , comprising:

receiving a command from the electronic computing device to remove a transaction card account; and

deleting the transaction card account from the system memory.

17. The method of claim 14 , further comprising:

receiving a command from the electronic computing device to add a transaction card account; and

adding the transaction card account to the system memory.

18. The method of claim 14 , wherein the command is received by a radio frequency identification (RFID) device of the transaction card.

Assignments (2)
STATEMENT OF CHANGE OF ADDRESS OF ASSIGNEE Recorded Jun 17, 2025
From: WELLS FARGO BANK, N.A.
To: WELLS FARGO BANK, N.A.
Reel/Frame 071657/0316 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jun 8, 2020
From: NEALE, JOHN ROSS; BREED, WILLIAM R.; SINGH, JASVIR K.; CAROLAN, GERALDINE M.; COLLINGS, KRISTINE; EIDAM, KOURTNEY
To: WELLS FARGO BANK, N.A.
Reel/Frame 052867/0190 →
Continuity (3)
Continuation 15801060 · Nov 1, 2017
Continuation 15272869 · Sep 22, 2016
Continuation 14340158 · Jul 24, 2014