# US 12,182,790 B2 · Systems and methods for performing transactions

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- Number: US 12,182,790 B2
- Document ID: US12182790B2
- Status: Granted
- Kind: B2
- Application number: 18/238,211
- Filed: 2023-08-25
- Published: 2023-12-14
- Granted: 2024-12-31
- Earliest claimed: 2020-07-16
- Assignees: Block, Inc.
- Applicants: Block, Inc.
- Inventors: Afshin Rezayee; Emad Bidari; Thomas Templeton; Michael Lamfalusi; Matthew H. Maibach; Jesse L. Dorogusker
- Web page: https://patentgrep.com/patent/US12182790B2

## CPC

- G06Q 20/321: {using wearable devices}
- G06K 7/10148: {the step consisting of dynamically tuning the resonant circuit of the interrogation device that is emitting the interrogation signal, e.g. for impedance matching inside of the interrogation device (for tuning related to loop aerials in general H01Q7/00)}
- G06K 7/10297: {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)}
- G06K 19/0709: {the source being an interrogation field}
- G06K 19/0712: {the arrangement being capable of triggering distinct operating modes or functions dependent on the strength of an energy or interrogation field in the proximity of the record carrier (active means for hindering electromagnetic reading or writing G06K19/07336)}
- G06K 19/0726: {the arrangement including a circuit for tuning the resonance frequency of an antenna on the record carrier}
- G06K 19/07762: {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)}
- G06K 19/07779: {the inductive antenna being a coil}
- G06Q 20/352: {Contactless payments by cards}
- G06Q 20/401: {Transaction verification}
- G06Q 20/409: {Device specific authentication in transaction processing}
- G07F 7/0806: {Details of the card (record carriers per se G06K)}
- H01Q 1/273: {Adaptation for carrying or wearing by persons or animals}
- H04B 5/26: using coils
- H04B 5/45: Transponders
- H04B 5/70: specially adapted for specific purposes
- H04B 5/79: for data transfer in combination with power transfer
- A44C 9/0053: {having special functions}
- G06Q 20/204: {comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit}
- G06Q 20/3278: {RFID or NFC payments by means of M-devices}
- 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
- G06K: GRAPHICAL DATA READING (image or video recognition or understanding G06V); PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00})
- H01Q: ANTENNAS, i.e. RADIO AERIALS (radiators or antennas for microwave heating H05B6/72)
- H04B: TRANSMISSION
- A44C: PERSONAL ADORNMENTS, e.g. JEWELLERY; COINS

## 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.

## Claims

### Claim 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.

### Claim 2 (depends on 1)

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

### Claim 3 (depends on 2)

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.

### Claim 4 (depends on 1)

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

### Claim 5 (depends on 4)

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.

### Claim 6 (depends on 4)

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

### Claim 7 (depends on 4)

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

### Claim 8 (depends on 7)

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.

### Claim 9 (depends on 1)

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.

### Claim 10 (depends on 9)

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.

### Claim 11 (depends on 1)

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.

### Claim 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.

### Claim 13 (depends on 12)

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

### Claim 14 (depends on 13)

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.

### Claim 15 (depends on 12)

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.

### Claim 16 (depends on 12)

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.

### Claim 17 (depends on 12)

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.

### Claim 18 (depends on 12)

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.

### Claim 19 (depends on 18)

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.

### Claim 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.