Wearable payments using multiple mounted data elements

Patent metadata

Field	Value
Publication number	US-10929833-B2
Application number	US-201815936735-A
Country	US
Kind code	B2
Filing date	Mar 27, 2018
Priority date	Mar 27, 2018
Publication date	Feb 23, 2021
Grant date	Feb 23, 2021

Abstract

Provided is a wearable device, including a base configured to be worn by a user, at least one data element at least partially positioned on or within the base and programmed or configured to have account data stored thereon, and at least one antenna including an open circuit, the at least one antenna at least partially positioned on or within the base and configured to transmit at least a portion of the account data and receive at least a portion of transaction data from at least one target device when the open circuit of the antenna is closed and becomes powered by at least one power source. Other expressions are also disclosed.

First claim

The invention claimed is:

1. A wearable device, comprising:
a base configured to be worn by a user;
at least one data element at least partially positioned on or within the base and programmed or configured to have account data stored thereon, wherein the at least one data element comprises at least one contact; and
at least one antenna comprising an open circuit, the at least one antenna at least partially positioned on or within the base and configured to transmit at least a portion of the account data and receive at least a portion of transaction data from at least one target device when the open circuit of the antenna is closed and becomes powered by at least one power source, wherein at least a portion of the base is configured to enable the at least one data element to make contact with the at least one antenna to cause the at least one data element to activate such that the at least one antenna transmits at least a portion of the account data stored on the at least one data element and receives at least a portion of transaction data from at least one target device when the at least one antenna is powered by at least one power source, and wherein the at least one data element is configured to be manipulated to make contact between the at least one contact and the at least one antenna to close the open circuit.

2. The wearable device of claim 1 , wherein the base comprises at least one guide arranged to guide movement of the at least one data element on or within the base to at least one region of the base to make contact between the at least one antenna and the at least one contact.

3. The wearable device of claim 2 , wherein the at least one antenna becomes activated when it makes contact with the at least one contact and the at least one antenna becomes powered by the at least one power source and is deactivated when the contact is broken and/or it is otherwise not powered.

4. The wearable device of claim 1 , further comprising at least one power system, the at least one power system comprising:
the at least one power source; and
a power controller configured to selectively power the at least one antenna with the at least one power source.

5. The wearable device of claim 1 , wherein the at least one antenna comprises at least one of the following: an open loop, a braided loop, a coil, or any combination thereof.

6. The wearable device of claim 1 , wherein the at least one data element comprises at least two data elements, and wherein each data element of the at least two data elements is configured with different account data.

7. A wearable device, comprising:
a base configured to be worn by a user;
at least one data element at least partially positioned on or within the base and programmed or configured to store account data thereon;
at least one antenna at least partially positioned on or within the base and configured to transmit at least a portion of the account data and receive at least a portion of transaction data from at least one target device when activated by at least one power source; and
at least one switch element at least partially positioned on or within the base, wherein the at least one switch element is configured to be manipulated to make contact between the at least one data element and the at least one antenna to cause the at least one data element to activate and transmit at least a portion of the account data and receive at least a portion of transaction data from at least one target device when the at least one antenna becomes powered by at least one power source.

8. The wearable device of claim 7 , wherein at least one contact of the at least one data element and/or the at least one switch element may make contact with the at least one contact of the at least one antenna without having to be manipulated on the base to initiate, conduct, and/or effect a payment transaction.

9. The wearable device of claim 7 , wherein the at least one switch element comprises a clasping mechanism configured to clasp onto at least a portion of the base.

10. The wearable device of claim 7 , wherein the at least one switch element comprises at least one contact configured to make electrical contact with at least one contact of the at least one antenna to close an open circuit of the at least one antenna.

11. The wearable device of claim 7 , wherein the at least one switch element is in contact with the at least one contact of the at least one antenna without being manipulated.

12. The wearable device of claim 7 , further comprising at least one power system, the at least one power system comprising:
the at least one power source; and
a power controller configured to selectively power the at least one antenna with the at least one power source.

13. The wearable device of claim 7 , wherein in at least one region in or on the wearable device is in contact with the at least one antenna, the at least one antenna is within a wireless and/or passive range of at least one target device and powered either by a power system incorporated in the at least one data element and/or passively by the at least one target device thereby activating the at least one data element.

14. The wearable device of claim 7 , wherein the at least one antenna comprises at least one of the following: an open loop, a braided loop, a coil, or any combination thereof.

15. The wearable device of claim 7 , wherein the at least one data element comprises at least two data elements, and wherein each data element of the at least two data elements is configured with different account data.

16. A wearable device, comprising:
a base configured to be worn by a user;
at least one data element at least partially positioned on or within the base and programmed or configured to store account data thereon, the at least one data element comprising at least one contact;
at least one antenna at least partially positioned on or within the base and configured to transmit at least a portion of the account data and receive at least a portion of transaction data from at least one target device when activated by at least one power source; and
at least one shielding element at least partially positioned on or within the base and/or the at least one data element, wherein the at least one shielding element is configured to selectively allow or prevent activation of the at least one data element.

17. The wearable device of claim 16 , wherein the at least one shielding element comprises an electrically non-conductive material or a material adapted to block wireless signals.

18. The wearable device of claim 16 , wherein the at least one shielding element is configured to be opened to permit a payment transaction to be initiated, conducted, and/or effected, or closed to prevent the payment transaction to be initiated, conducted, and/or effected.

19. A method of conducting and/or effecting a payment transaction using a wearable device, comprising:
activating at least one antenna positioned on or within a wearable device in response to at least one data element or at least one switch element, or any combination thereof, being manipulated into a position on or within the wearable device to be in contact with the at least one antenna, the at least one antenna configured to transmit at least a portion of account data to and to receive at least a portion of transaction data from a target device when powered;
transmitting, with the at least one antenna, the at least a portion of the account data to at least one target device and receiving from the target device the at least a portion of the

Assignees

• Visa Int Service Ass

Inventors

• Muchang Yobel
• Dean Christopher
• Wang Quan
• Somaiya Mayank
• Wald Jerry

Classifications

• G06Q20/341

  Active cards, i.e. cards including their own processing means, e.g. including an IC or chip · CPC title

• G06K19/07345

  by activating or deactivating at least a part of the circuit on the record carrier, e.g. ON/OFF switches · CPC title

• G06K19/0715

  the arrangement including means to regulate power transfer to the integrated circuit · CPC title

• G06Q20/322

  Aspects of commerce using mobile devices [M-devices] · CPC title

• G07F7/0866 Primary

  by active credit-cards adapted therefor (G07F7/1008 takes precedence) · CPC title