# US 10,769,616 B2 · Methods and systems for displaying account information

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- Number: US 10,769,616 B2
- Document ID: US10769616B2
- Status: Granted
- Kind: B2
- Application number: 16/592,291
- Filed: 2019-10-03
- Published: 2020-01-30
- Granted: 2020-09-08
- Earliest claimed: 2014-08-26
- Assignees: Capital One Services, LLC
- Applicants: Capital One Services, LLC
- Inventors: Adam R. Koeppel; Alex Leo Niderberg; Kevin Kelly; Mili Mittal; Sarah Calandro; Jonathan R. Turfboer
- Web page: https://patentgrep.com/patent/US10769616B2

## CPC

- G06Q 20/327: {Short range or proximity payments by means of M-devices}
- G06Q 20/3221: {Access to banking information through M-devices}
- G06Q 20/326: {Payment applications installed on the mobile devices}
- G06Q 20/34: using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q 20/341: {Active cards, i.e. cards including their own processing means, e.g. including an IC or chip}
- G06Q 20/36: using electronic wallets or electronic money safes
- G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03)
- H04W 64/003: {locating network equipment}
- G06K 19/07749: {the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card}
- H04W 4/02: Services making use of location information
- H04W 4/80: Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
- H04W 64/00: Locating users or terminals {or network equipment} for network management purposes, e.g. mobility management
- H04W 76/00: Connection management
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- H04W: WIRELESS COMMUNICATION NETWORKS (broadcast communication H04H; communication systems using wireless links for non-selective communication, e.g. wireless extensions H04M1/72)
- G06K: GRAPHICAL DATA READING (image or video recognition or understanding G06V); PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS

## Abstract

Systems and methods are provided for displaying account information. The systems and methods may include a portable smart display device in short-range communication with a mobile device. The smart display device may be configured to provide a user with quick and easy yet secure access to account information, without the need for multi-step login and verification processes. The smart display device may be sized to fit within a wallet and within quick, easy reach of a user. The smart display device may receive up-to-date account information from the mobile device, and display the account information on-demand upon detecting an activation event, thereby providing an enjoyable user experience and a useful tool for quickly informing the user of their financial situation.

## Claims

### Claim 1

A system for displaying account information, comprising:
a display device comprising:
a processor;
a display;
a transceiver; and
a memory having stored thereon instructions that, when executed by the processor, cause the processor to:
pair with a device configured to access account information associated with a user;
receive, using the transceiver, the account information from the device;
check a timestamp associated with the account information;
compare the timestamp with a current time to determine an age of the account information;
cause the display to display the account information with an icon to inform the user of the age of the account information when the account information is older than a predetermined threshold preconfigured by the user;
determine whether to change a content frame of the display displaying the account information; and
change the content frame of the display displaying account information at a predetermined time interval to cycle through additional account information.

### Claim 2 (depends on 1)

The system of claim 1, wherein the device is a cellular phone.

### Claim 3 (depends on 1)

The system of claim 1, wherein the display device further comprises a fingerprint reader for authenticating the user.

### Claim 4 (depends on 3)

The system of claim 3, wherein the processor causes the display to display account information based on an activation event.

### Claim 5 (depends on 4)

The system of claim 4, wherein the activation event comprises at least one of:
a detected fingerprint reader measurement received from the fingerprint reader, or
detection of an increase in ambient light above a predetermined threshold,
wherein the display device further comprises an ambient light sensor.

### Claim 6 (depends on 1)

The system of claim 1, wherein the icon signals that the account information is old.

### Claim 7 (depends on 1)

The system of claim 1, wherein the display device is credit card-sized.

### Claim 8 (depends on 1)

The system of claim 1, wherein the transceiver is configured to receive the account information and send requests by establishing communication with a server.

### Claim 9 (depends on 1)

The system of claim 1, further comprising:
determining that a connection with the device is unavailable.

### Claim 10

A computer-implemented method for displaying account information, comprising:
pairing, by a processor of a display device, with a device;
receiving account information;
checking a timestamp associated with the account information;
comparing the timestamp with a current time to determine an age of the account information;
displaying the received account information with an icon to inform a user of the age of the account information when the account information is older than a predetermined threshold preconfigured by the user;
determining whether to change a content frame of the display displaying the account information; and
changing the content frame of the display displaying account information at a predetermined time interval to cycle through additional account information.

### Claim 11 (depends on 10)

The computer-implemented method of claim 10, further comprising:
displaying the received account information based on an activation event.

### Claim 12 (depends on 11)

The computer-implemented method of claim 11, wherein the activation event comprises a detected fingerprint reader measurement received from a fingerprint reader.

### Claim 13 (depends on 10)

The computer-implemented method of claim 10, wherein detecting an activation event comprises detecting, by the processor, an increase in ambient light.

### Claim 14 (depends on 10)

The computer-implemented method of claim 10, wherein the icon signals that the account information is old.

### Claim 15 (depends on 10)

The computer-implemented method of claim 10, further comprising:
determining that a connection with the device is unavailable.

### Claim 16 (depends on 10)

The computer-implemented method of claim 10, wherein a transceiver is configured to send requests and receive the account information by establishing communication with a server.

### Claim 17 (depends on 10)

The computer-implemented method of claim 10, wherein the account information is received from the device.

### Claim 18

A computer-implemented method for displaying account information, comprising:
pairing, by a processor of a display device, with a device configured to access account information associated with a user;
receiving account information from the device;
checking a timestamp associated with the account information;
comparing the timestamp with a current time to determine an age of the account information;
displaying the received account information with an icon to inform the user of the age of the account information when the account information is older than a predetermined threshold preconfigured by the user;
determining whether to change a content frame of the display displaying the account information; and
changing the content frame of the display displaying account information at a predetermined time interval to cycle through additional account information.