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US 12,657,572 B2Granted
Systems and methods for enabling transaction distribution
AssigneeCapital One Services, LLC
InventorsSamuel Rapowitz, Bryant Yee, Armando Martinez Stone
Life of this patent
Estimating the term…
Abstract
Systems and methods for distributing a transaction among multiple parties are provided. In exemplaray embodiments where users have two or more contactless cards, each card can be tapped to a user device, and a user device application can receive payment information from each card. The user device application can transmit payment information from each card to one selected card. The selected card can then transmit payment information from each card, including its own payment information, to a payment processor.
Claims20
A system for distributing a transaction, the system comprising:
- a plurality of contactless cards, wherein each of the plurality of contactless cards includes a visual element comprising a light-emitting element;
- and
- a user device application configured to:
- open a communication field;
- receive, from each of the plurality of contactless cards, payment information via the communication field;
- select one of the plurality of contactless cards;
- and
- transmit, to the selected contactless card, the payment information of one or more non-selected contactless cards and a request,
- wherein the request comprises a request to distribute a transaction among each of the selected and non-selected contactless cards,
- wherein the selected contactless card activates the visual element indicating that the payment information and the request have been received by the selected contactless card,
- wherein the selected contactless card is configured to transmit the payment information and the request to a payment information processor, and
- wherein each of the plurality of contactless cards further includes at least one payment section, at least one non-payment section, and a connecting element, the connecting element connecting the at least one payment section and the at least one non-payment section, the payment information being stored in the at least one payment section, and an authentication credential being required for removing the at least one non-payment section from the at least one payment section by disconnecting the connecting element.
9 more elements
A method for distributing a transaction, the method comprising:
- opening, by a user device application, a communication field;
- receiving, by the user device application from each of a plurality of contactless cards, payment information via the communication field, wherein each of the plurality of contactless cards includes a visual element comprising a light-emitting element;
- selecting, by the user device application, one of the plurality of contactless cards;
- transmitting, by the user device application to the selected contactless card, the payment information of one or more non-selected contactless cards and a request, wherein the request comprises a request to distribute a transaction among each of the selected and non-selected contactless cards;
- activating, by the selected contactless card, the visual element after receipt of the payment information and the request;
- and
- transmitting, by the selected contactless card to a payment information processor the payment information and the request, and
- wherein each of the plurality of contactless cards further includes at least one payment section, at least one non-payment section, and a connecting element, the connecting element connecting the at least one payment section and the at least one non-payment section, the payment information being stored in the at least one payment section, and an authentication credential being required for removing the at least one non-payment section from the at least one payment section by disconnecting the connecting element.
5 more elements
A non-transitory computer readable medium containing computer executable instructions that, when executed by a user device, configure the user device to perform procedures comprising:
- opening a communication field;
- receiving, from each of a plurality of contactless cards, payment information via the communication field, wherein each of the plurality of contactless cards includes a visual element comprising a light-emitting element;
- selecting one of the plurality of contactless cards;
- and
- transmitting, to the selected contactless card, the payment information of the one or more non-selected contactless cards and a request,
- wherein the request comprises a request to distribute a transaction among each of the selected and non-selected contactless cards,
- wherein receipt of the payment information and the request causes the selected contactless card to activate the visual element and transmit the payment information and the request to a payment information processor, and
- wherein each of the plurality of contactless cards further includes at least one payment section, at least one non-payment section, and a connecting element, the connecting element connecting the at least one payment section and the at least one non-payment section, the payment information being stored in the at least one payment section, and an authentication credential being required for removing the at least one non-payment section from the at least one payment section by disconnecting the connecting element.
5 more elements
Dependencies are inferred from the claim text.