Wearable payments using multiple mounted data elements

Patent metadata

Field	Value
Publication number	US-11682000-B2
Application number	US-202117154225-A
Country	US
Kind code	B2
Filing date	Jan 21, 2021
Priority date	Mar 27, 2018
Publication date	Jun 20, 2023
Grant date	Jun 20, 2023

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;
a first data element at least partially positioned on or within the base and configured with first account data corresponding to a first account;
a second data element at least partially positioned on or within the base and configured with second account data corresponding to a second account; and
at least one antenna at least partially positioned on or within the base, the at least one antenna configured to transmit the first account data in response to manipulation of at least one of the first data element and the at least one antenna establishing an electrical contact with the first data element, and transmit the second account data in response to manipulation of at least one of the second data element and the at least one antenna establishing an electrical contact with the second data element, wherein at least one of the first data element, the second data element, and the at least one antenna is configured to be manipulated to be moved with respect to the base.

2. The wearable device of claim 1 , further comprising a third data element at least partially positioned on or within the base and configured with third account data corresponding to a third account, wherein the at least one antenna is configured to transmit the third account data in response to establishing an electrical contact with the third data element.

3. The wearable device of claim 1 , wherein the first data element is configured to be moved with respect to the at least one antenna, and wherein the electrical contact with the first data element is established when the first data element is moved to a region associated with the at least one antenna.

4. The wearable device of claim 3 , wherein the second data element is configured to be moved with respect to the at least one antenna and independent of the first data element, and wherein the electrical contact with the second data element is established when the second data element is moved to the region associated with the at least one antenna.

5. The wearable device of claim 1 , wherein the at least one antenna is configured to be moved with respect to the first data element and the second data element.

6. The wearable device of claim 1 , wherein the at least one antenna is configured to be powered by a power source of a target device separate from the wearable device, wherein the first account data is transmitted in response to establishing the electrical contact with the first data element and being powered by the power source, and wherein the second account data is transmitted in response to establishing the electrical contact with the second data element and being powered by the power source.

7. The wearable device of claim 1 , further comprising:
a power source arranged on or within the base; and
an on/off controller coupled to the power source, wherein the first data element is powered in response to user manipulation of the on/off controller, and wherein the first account data is transmitted in response to establishing the electrical contact with the first data element and being powered by the power source.

8. The wearable device of claim 7 , wherein the first data element comprises the power source and the on/off controller.

9. The wearable device of claim 1 , wherein the first data element comprises a switch element, wherein the at least one antenna comprises an open circuit, and wherein the switch element is configured to close the open circuit.

10. The wearable device of claim 9 , wherein the switch element is configured to clasp to a region of the base.

11. A method for conducting a transaction, comprising:
manipulating at least one of a first data element and a second data element along a wearable device, wherein the first data element comprises first account data and the second data element comprises second account data different than the first account data, and wherein at least one of the first data element and the second data element is configured to be manipulated to be moved with respect to at least one antenna of the wearable device;
communicating, with the at least one antenna, the first account data to an external device in response to manipulation of the first data element establishing an electrical contact between the first data element and an antenna positioned on or within the wearable device; and
communicating, with the at least one antenna, the second account data to the external device or a different external device in response to manipulation of the second data element establishing an electrical contact between the second data element and the antenna.

12. The method of claim 11 , wherein a third data element comprises third account data different than the first account data and second account data, further comprising communicating, with the at least one antenna, the third account data to an external device by establishing an electrical contact between the third data element and the at least one antenna positioned on or within the wearable device.

13. The method of claim 11 , wherein manipulating the at least one of the first data element and the second data element comprises sliding the first data element or the second data element along a base of the wearable device toward the at least one antenna.

14. The method of claim 11 , wherein manipulating the at least one of the first data element and the second data element comprises moving the first data element or the second data element to a region associated with the at least one antenna.

15. The method of claim 11 , further comprising powering at least one of the first data element and the second data element with a power source of a target device separate from the wearable device.

16. The method of claim 15 , further comprising moving the wearable device within range of the target device.

17. The method of claim 11 , further comprising powering at least one of the first data element and the second data element with a power source arranged on or within the wearable device.

Assignees

• Visa Int Service Ass

Inventors

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

Classifications

• G06K19/07762

  the adhering arrangement making the record carrier wearable, e.g. having the form of a ring, watch, glove or bracelet (record carriers for insertion in the human body for medical purposes A61B90/00; record carriers adapted for attachment to animals A01K11/00) · CPC title

• G06K19/0715

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

• G06Q20/3278 Primary

  RFID or NFC payments by means of M-devices · CPC title

• G06Q20/227

  characterised in that multiple accounts are available, e.g. to the payer · CPC title

• G07F7/0866 Primary

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