发明名称 Audio-equipped transaction card systems and approaches
摘要 Approaches for implementing transactions involve audio-equipped transaction cards that reduce both data-management and costs. Certain applications facilitate loyalty to the business entity that issues the audio-equipped transaction cards by, e.g., facilitating transactions with the card-issuing entity and/or business partners. One example embodiment is directed to audio-equipped personal cards and an approach to purchase agreement that involve activating an audio transmission from a transaction card to establish a point-of-sale purchase agreement. Data regarding the purchase agreement is communicated to an account/payment institution to confirm the purchase agreement, optionally in response to the customer's PIN being received. In another embodiment, a two apparatus (or “card”) approach involves retailers entering data via a retailer card that is useable by selected users (e.g., the retailer's representatives or employees). For such retailer and/or customer cards, various implementations involve entering user information and/or security information such as customer PIN, a retailer-employee ID or PIN number.
申请公布号 US8751349(B1) 申请公布日期 2014.06.10
申请号 US201313890442 申请日期 2013.05.09
申请人 发明人 Jentoft Keith
分类号 G06Q40/00 主分类号 G06Q40/00
代理机构 代理人
主权项 1. A method for conducting a business transaction involving personal transaction cards and a financial transaction between a seller and a buyer, the method comprising: providing, on a first transaction card, programmed authentication data and account information for the buyer; providing, on a second transaction card, programmed authentication data and account information for the seller; communicating the authentication data and account information between the first transaction card and the second transaction card using encoded tones that include at least one of: encoded authorization information; encoded security information; and encoded encrypted information; converting the encoded tones to an electronic form of the audio information representing the programmed authentication data; authorizing the business transaction as a function of the programmed authentication data in the electronic form and the financial transaction; and sending a receipt for the authorized business transaction to a mobile device associated with the account information.
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