Systems and methods for performing transactions

Patent metadata

Field	Value
Publication number	US-12182790-B2
Application number	US-202318238211-A
Country	US
Kind code	B2
Filing date	Aug 25, 2023
Priority date	Jul 16, 2020
Publication date	Dec 31, 2024
Grant date	Dec 31, 2024

Abstract

A wearable device, such as a finger ring worn by a user, communicates information about a user to a reader that uses the information in order to perform a transaction. Such wearable device may be conveniently carried by and accessible to the user such that utilization of the device for the transaction is less burdensome for the user, thereby encouraging use of the device for particular transactions. Indeed, in some cases, such as when the device is implemented as a finger ring or other type of jewelry, the user may be encouraged to carry the device in an exposed manner such that it is readily available for the transaction without the user having to search in a wallet, pocket, or purse for the device.

First claim

What is claimed is:

1. A system for performing transactions, comprising:
a wearable device having a ring for receiving a body part of a user, the ring having at least one antenna and electrical circuitry coupled to the at least one antenna, the electrical circuitry configured to wirelessly transmit, via the at least one antenna, information associated with the user for a transaction; and
a reader configured to receive the information associated with the user from the electrical circuitry of the ring and to perform an action in response to the information associated with the user, the reader having a first marker indicating a first location for placement of a near field communication (NFC) device to communicate with the reader and a second marker, different from the first marker, indicating a second location for placement of the ring to communicate with the reader.

2. The system of claim 1 , wherein the electrical circuitry authenticates the user prior to transmitting the information associated with the user.

3. The system of claim 2 , wherein the electrical circuitry includes at least one sensor configured to detect a pulse of the user, and wherein the electrical circuitry is configured to authenticate the user based on the detected pulse.

4. The system of claim 1 , wherein the information associated with the user is a user identifier that identifies the user.

5. The system of claim 4 , wherein the action performed by the reader is tracking a clock-in or clock-out of the user at a place of employment of the user.

6. The system of claim 4 , wherein the action performed by the reader is permitting the user to obtain access to an area.

7. The system of claim 4 , wherein the user identifier is a photograph of the user.

8. The system of claim 7 , wherein the reader is configured to display the photograph of the user to permit a person to confirm an identity of the user.

9. The system of claim 1 , wherein the information associated with the user is an authorization code for an event and the action performed by the reader is granting the user access to the event.

10. The system of claim 9 , further comprising a payment reader, wherein the payment reader transmits the authorization code for the event to the wearable device upon completion of a payment transaction between the payment reader and the wearable device.

11. The system of claim 1 , wherein the information associated with the user is a token for a financial account of the user, and the action performed by the reader is providing the token to a payment server during a payment transaction.

12. A method for use with a wearable device, comprising:
storing information associated with a user for a transaction in electrical circuitry of a ring of the wearable device, the ring configured to receive a body part of the user;
wirelessly transmitting, via at least one antenna coupled to the electrical circuitry, the information associated with a user for the transaction by the electrical circuitry;
receiving, by a reader, the information associated with the user from the electrical circuitry of the ring, the reader configured to have a first marker indicating a first location for placement of a near field communication (NFC) device to communicate with the reader and a second marker, different from the first marker, indicating a second location for placement of the ring to communicate with the reader; and
performing, by the reader, an action in response to the information associated with the user.

13. The method of claim 12 , further comprising authenticating the user prior to transmitting the information associated with the user.

14. The method of claim 13 , wherein authenticating the user includes detecting a pulse of the user with at least one sensor of the electrical circuitry of the ring.

15. The method of claim 12 , wherein the information associated with the user is a user identifier that identifies the user and performing the action includes tracking a clock-in or clock-out of the user at a place of employment of the user.

16. The method of claim 12 , wherein the information associated with the user is a user identifier that identifies the user and performing the action includes permitting the user to obtain access to an area.

17. The method of claim 12 , wherein the information associated with the user is a photograph of the user and performing the action includes displaying the photograph of the user to permit a person to confirm an identity of the user.

18. The method of claim 12 , wherein the information associated with the user is an authorization code for an event and performing the action includes granting the user access to the event.

19. The method of claim 18 , further comprising receiving, by the ring, the authorization code for the event from a payment reader upon completion of a payment transaction between the payment reader and the wearable device.

20. A wearable device for performing transactions, comprising:
a ring for receiving a body part of a user;
at least one antenna; and
electrical circuitry positioned in the ring and configured to wirelessly transmit, via the at least one antenna, information associated with the user to a reader for a transaction, the reader configured to have a first marker indicating a first location for placement of a near field communication (NFC) device to communicate with the reader and a second marker, different from the first marker, indicating a second location for placement of the ring to communicate with the reader, wherein the reader is configured to perform an action in response to the received information associated with the user from the electrical circuitry.

Assignees

• Block Inc

Inventors

• Rezayee Afshin
• Bidari Emad
• Templeton Thomas
• Lamfalusi Michael
• Maibach Matthew H
• Dorogusker Jesse L

Classifications

• H04B5/45

  Transponders · CPC title

• H04B5/70

  specially adapted for specific purposes · CPC title

• H04B5/26

  using coils · CPC title

• G06K7/10297

  arrangements for handling protocols designed for non-contact record carriers such as RFIDs NFCs, e.g. ISO/IEC 14443 and 18092 (cryptographic protocols H04L9/00; network security protocols H04L63/00; real-time communication protocols in data switching networks H04L65/00; network protocols for data switching network services H04L67/00) · CPC title

• G06Q20/409

  Device specific authentication in transaction processing · CPC title