Systems and methods for programmable payment cards and devices with loyalty-based payment applications
A payment card (e.g., credit and/or debit card) or other device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. Data may include the type of reward that a user would like to earn as a result of making a purchase or the type of reward that a user would like to utilize to at least partially pay for a purchase.
1. A payment device card comprising:
a credit card account;
a first button associated with earning a first reward for said credit card account for a merchant transaction; and
a second button associated with earning a second reward for said credit card account for said merchant transaction, wherein selection of said first button causes information indicative of said first reward to be communicated through a communications device.
2. The payment device of claim 1 , wherein said communications device comprises a dynamic magnetic stripe communications device.
3. The payment device of claim 1 , wherein said communications device comprises an RF antenna.
4. The payment device of claim 1 , wherein said communications device comprises an exposed chip.
5. The payment device of claim 1 , further comprising:
a processor;
a battery; and
a display.
6. The payment device of claim 1 , wherein said first reward comprises miles.
7. The payment device of claim 1 , further comprising a third button for earning a third reward for said credit card account for said merchant transaction.
8. A payment device comprising:
a credit card account;
a first button associated with receiving new rewards for said credit card account for a merchant transaction; and
a second button associated with using acquired rewards for said credit card account for said merchant transaction, wherein selection of said second button causes information indicative of using a reward to be communicated through a communications device such that said acquired rewards are utilized to complete a purchase transaction.
9. The payment device of claim 8 , wherein said communications device comprises a dynamic magnetic stripe communications device.
10. The payment device of claim 8 , wherein said communications device comprises an RF antenna.
11. The payment device of claim 8 , wherein said communications device comprises an exposed chip.
12. The payment device of claim 8 , further comprising:
a processor;
a battery; and
a display.
13. The payment device of claim 8 , further comprising:
an RF antenna; and
a processor.
14. The payment device of claim 8 , further comprising a third button.
15. A payment device comprising:
a payment card account;
a first button associated with earning a first reward for said payment card account for a merchant transaction;
a second button associated with earning a second reward for said payment card account for said merchant transaction, wherein selection of said first button causes information indicative of said first reward to be communicated through a communications device; and
a display for displaying indicia indicative of said selection of said first button.
16. The payment device of claim 15 , wherein said indicia comprises an online payment code.
17. The payment device of claim 15 , wherein said communications device comprises a dynamic magnetic stripe communications device.
18. The payment device of claim 15 , wherein said communications device comprises an RF antenna.
19. The payment device of claim 15 , wherein said communications device comprises an exposed chip.
20. The payment device of claim 15 , further comprising:
an RF antenna; and
a processor.
21. The payment device of claim 15 , further comprising a third button.