IP Library › Granted Patent US 12,229,746
Granted Patent B2
US 12,229,746 · App. 18/480,020 · Granted Feb 18, 2025

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.
G06Q20/327G06K1/128G06K19/06206G06K19/0723G06Q20/341G06Q20/352G06Q20/355G06Q20/357G06Q20/4014G06Q20/409G06T11/00G07F7/0866G06F3/0488G06F3/16
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Quick Facts
Patent No.
US 12,229,746
App. No.
18/480,020
Granted
Feb 18, 2025
Kind
B2
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 (36)

1. A method of replacing or updating a transaction card account, comprising:

providing a transaction card, the transaction card having an exterior that is free of any account numbers, any card verification value numbers, and any expiration dates;

activating, with an electronic computing device, a first transaction card account on the transaction card, the first transaction card account having a first account number and a first expiration date;

in response to the first transaction card account being compromised, replacing the first transaction card account with a second transaction card account without replacing the transaction card, the second transaction card account have at least one of: (i) a second account number different from the first account number or (ii) a second expiration date later than the first expiration date;

activating the second transaction card account on the transaction card; and

displaying an alert when the first transaction card account is compromised,

wherein the alert is virtually displayed on the transaction card when the transaction card is viewed through an augmented reality device.

2. The method of claim 1 , wherein the transaction card includes an address of a financial institution.

3. The method of claim 1 , wherein the transaction card is configured to be used as a credit card, a debit card, a loyalty card, or a rewards card.

4. The method of claim 1 , wherein the first transaction card account and the second transaction card account are stored in a system memory of the transaction card.

5. The method of claim 1 , wherein the transaction card includes an account information delivery element including a dynamic magnetic stripe polarized based on whether the first transaction card account is activated or the second transaction card account is activated.

6. The method of claim 1 , wherein the transaction card includes a wireless communication device.

7. The method of claim 6 , wherein the wireless communication device includes one of a passive radio frequency identification (RFID) device, a WiFi-enabled device, or a cellular communications enabled device.

8. The method of claim 7 , wherein the wireless communication device is powered by a battery that is integrated with the transaction card.

9. A method of replacing or updating a transaction card account, comprising:

providing a transaction card, the transaction card having an exterior that is free of any account numbers, any card verification value numbers, and any expiration dates;

activating, with an electronic computing device, a first transaction card account on the transaction card, the first transaction card account having a first account number and a first expiration date;

in response to the first transaction card account expiring or being compromised, replacing the first transaction card account with a second transaction card account without replacing the transaction card, the second transaction card account have at least one of: (i) a second account number different from the first account number or (ii) a second expiration date later than the first expiration date;

activating the second transaction card account on the transaction card; and

displaying an alert when the first transaction card account is compromised,

wherein the alert is virtually displayed on the transaction card when the transaction card is viewed through an augmented reality device.

10. A transaction card, comprising:

an exterior that is free of any account numbers, any card verification value numbers, and any expiration dates, the transaction card being configured such that:

at a first time a first transaction card account is activated by an electronic computing device on the transaction card, the first transaction card account having a first account number and a first expiration date;

at a second time, and in response to the first transaction card account being compromised:

(i) the first transaction card account is replaced with a second transaction card account without replacing the transaction card, the second transaction card account have at least one of: (i) a second account number different from the first account number or (ii) a second expiration date later than the first expiration date; and

(ii) the second transaction card account is activated on the transaction card,

wherein the transaction card is configured for an alert to be displayed on the transaction card when the first transaction card account is compromised; and

wherein the alert is virtually displayed on the transaction card when the transaction card is viewed through an augmented reality device.

11. The transaction card of claim 10 , wherein the transaction card includes an address of a financial institution.

12. The transaction card of claim 10 , wherein the transaction card is configured to be used as a credit card, a debit card, a loyalty card, or a rewards card.

13. The transaction card of claim 10 , wherein the first transaction card account and the second transaction card account are stored in a system memory of the transaction card.

14. The transaction card of claim 10 , wherein the transaction card includes an account information delivery element including a dynamic magnetic stripe polarized based on whether the first transaction card account is activated or the second transaction card account is activated.

15. The transaction card of claim 10 , wherein the transaction card includes a wireless communication device.

16. The transaction card of claim 15 , wherein the wireless communication device includes one of a passive radio frequency identification (RFID) device, a WiFi-enabled device, or a cellular communications enabled device.

17. The transaction card of claim 16 , wherein the wireless communication device is powered by a battery that is integrated with 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 071679/0784 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Oct 4, 2023
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 065115/0379 →
Continuity (6)
Continuation 17807546 · Jun 17, 2022
Continuation 16895306 · Jun 8, 2020
Continuation 15801060 · Nov 1, 2017
Continuation 15272869 · Sep 22, 2016
Continuation 14340158 · Jul 24, 2014
Related Publication 20240046245A1 · Feb 8, 2024
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