Card enabled services

Patent metadata

Field	Value
Publication number	US-11875321-B1
Application number	US-202117143609-A
Country	US
Kind code	B1
Filing date	Jan 7, 2021
Priority date	Jan 7, 2021
Publication date	Jan 16, 2024
Grant date	Jan 16, 2024

Abstract

A card, such as a payment card, can enable provisioning of services. The card includes hardware and software that enable the card to connect to a local device that includes a display. Further, the card can comprise hardware and software that allow the card to connect to a remote server, in one instance by way of a dedicated communication channel. The card can also include a processor and memory that stores instructions that when executed by the processor provide services, such as bank services. The display is provided with graphical elements by the service for rendering including data from a bank or other remote server. A device or interactive display can enable user interaction with services.

First claim

What is claimed is:

1. A system, comprising:
a processor coupled to a memory on a payment card that includes instructions, that when executed by the processor, cause the processor to:
establish, via a communication component of the payment card, a first connection between the payment card and a device comprising a display screen, wherein the first connection comprises a limited distance radio frequency connection and the payment card is separate from the device;
determine, wirelessly via the limited distance radio frequency connection of the first connection, one or more of a size of the display screen of the device, a resolution of the display screen of the device, and a brightness of the display screen of the device;
establish, via a subscriber identity module (SIM) component of the payment card, a second connection between the payment card and a server by way of a dedicated communication channel, wherein the second connection comprises, at least in part, the limited distance radio frequency connection of the first connection;
cause transmission, via the second connection, of a request for information regarding one or more of a type of the device or a location of the device;
receive, via the second connection, a response to the request for information indicating one or more of the type of the device or the location of the device;
determine, based on the response to the request for information, one or more of the type of the device or the location of the device;
generate a suggestion based on one or more of the type of the device or the location of the device, wherein the suggestion comprises one or more of a product, a discount, or a promotion;
configure an interactive banking service interface for the display screen of the device based on the one or more of the size of the display screen of the device, the resolution of the display screen of the device, and the brightness of the display screen of the device, wherein configuring the interactive banking service interface comprises configuring the interactive banking service interface based on the information received in the response to the request for information regarding one or more of the type of the device or the location of the device, wherein configuring the interactive banking service interface comprises concealing, at least in part, sensitive information comprising one or more of an account number or a balance within the interactive banking service interface based on one or more of the type of the device or the location of the device;
communicate instructions, wirelessly via the limited distance radio frequency connection of the first connection, to render the interactive banking service interface on the display screen of the device based at least in part on the one or more of the size of the display screen of the device, the resolution of the display screen of the device, and the brightness of the display screen of the device, wherein the interactive banking service interface incorporates financial information associated with the payment card received from the server;
cause display of the suggestion at the display screen of the device; and
cause display of the interactive banking service interface at the display screen of the device, wherein the interactive banking service interface is configured to allow a user to perform banking tasks associated with the payment card via user inputs to the interactive banking service interface at the display screen of the device.

2. The system of claim 1 , wherein the banking tasks include at least one of account management, bill payment, electronic fund transfer, or checkbook transaction.

3. The system of claim 1 , wherein the limited distance radio frequency connection is a wireless two-way connection.

4. The system of claim 1 , wherein the dedicated communication channel is a dedicated communication channel of a cellular network.

5. The system of claim 1 , wherein and the instructions further cause the processor to respond to a user input provided to the device via the display screen.

6. The system of claim 5 , wherein the instructions further cause the processor to authenticate the user based on credentials provided as the user input.

7. The system of claim 1 , wherein the device is one of an exercise machine or an automobile.

8. A method, comprising:
establishing, via a communication component of a payment card, a first connection between the payment card and a device comprising a display screen, wherein the first connection comprises a limited distance radio frequency connection and the payment card is separate from the device;
determining, wirelessly via the limited distance radio frequency connection of the first connection, one or more of a size of the display screen of the device, a resolution of the display screen of the device, and a brightness of the display screen of the device;
establishing, via a subscriber identity module (SIM) component of the payment card, a second connection between the payment card and a server by way of a dedicated communication channel, wherein the second connection comprises, at least in part, the limited distance radio frequency connection of the first connection;
causing transmission, via the second connection, of a request for information regarding one or more of a type of the device or a location of the device;
receiving, via the second connection, a response to the request for information indicating one or more of the type of the device or the location of the device;
determining based on the response to the request for information, one or more of the type of the device or the location of the device;
generating a suggestion based on one or more of the type of the device or the location of the device, wherein the suggestion comprises one or more of a product, a discount, or a promotion;
configuring an interactive banking service interface for the display screen of the device based on the one or more of the size of the display screen of the device, the resolution of the display screen of the device, and the brightness of the display screen of the device, wherein configuring the interactive banking service interface comprises configuring the interactive banking service interface based on the information received in the response to the request for information regarding one or more of the type of the device or the location of the device wherein configuring the interactive banking service interface comprises concealing, at least in part, sensitive information comprising one or more of an account number or a balance within the interactive banking service interface based on one or more of the type of the device or the location of the device;
communicating instructions, wirelessly via the limited distance radio frequency connection of the first connection, to render the interactive banking service interface on the display screen of the device based at least in part on the one or more of the size of the display screen of the device, the resolution of the display screen of the device, and the brightness of the display screen of the device, wherein the interactive banking service interface incorporates financial information associated with the payment card received from the server;
causing display of the suggestion at the display screen of the device; and
causing display of the interactive banking service interface at the display screen of the device, wherein the interactive banking service interface is configured to allow a user to perform banking tasks associated with the payment card via user inputs to the interactive banking service interface at the display screen of the device.

9. The method of claim 8 , wherein the banking tasks comprise at least one of bill payment, electronic fund transf

Assignees

• Wells Fargo Bank Na

Inventors

• Singh Manpreet
• Ghosh Parul

Classifications

• G06Q20/108 Primary

  Remote banking, e.g. home banking · CPC title

• G06Q20/02

  involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] · CPC title

• G06Q20/102

  Bill distribution or payments · CPC title

• G06Q20/32

  using wireless devices · CPC title

• G06Q20/3229

  Use of the SIM of a M-device as secure element · CPC title