# US 2014/0191029 A1 · Methods, apparatus, computer program products and articles for use in providing human understandable indication of account balance > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2014/0191029 A1 - Document ID: US20140191029A1 - Status: Published application - Kind: A1 - Application number: 14/203,270 - Filed: 2014-03-10 - Published: 2014-07-10 - Earliest claimed: 2009-01-20 - Assignees: Mastercard International Incorporated - Applicants: MasterCard International Incorporated - Inventors: Richard Burdett; Colin Tanner; Chris Leech - Web page: https://patentgrep.com/patent/US20140191029A1 ## CPC - G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) - G06Q 20/26: Debit schemes, e.g. "pay now" - G06Q 20/3223: {Realising banking transactions through M-devices} - G06Q 20/34: using cards, e.g. integrated circuit [IC] cards or magnetic cards - G06Q 20/42: Confirmation, e.g. check or permission by the legal debtor of payment - G06Q 20/321: {using wearable 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 ## Abstract In accordance with some embodiments, a method includes receiving, in a proximity coupling system, holder consent to provide a human understandable indication of an account balance associated with a payment account; and providing a human understandable indication of the account balance associated with the payment account via an output device, in response at least in part to the consent; wherein receiving holder consent comprises receiving holder consent provided via a proximity payment device associated with the payment account. In accordance with some embodiments, a method includes storing account data and preference data in a proximity payment device, the preference data indicative of a preferred method to provide a human understandable indication of an account balance. In accordance with some embodiments, apparatus includes a proximity payment device, the proximity payment device including preference data, the preference data indicative of a preferred method to provide a human understandable indication of an account balance. In accordance with some embodiments, apparatus includes a proximity payment device wherein the proximity payment device generates data indicative of whether there is consent to provide a human understandable indication of an account balance based at least in part on whether a holder has actuated a switch. ## Claims ### Claim 1 A method comprising: receiving, in association with a payment transaction, information at a proximity coupling system via a proximity payment card that is associated with a payment account and has a generally rectangular shape consistent with ISO/IEC 14443; receiving, in the proximity coupling system via the proximity payment card having the generally rectangular shape consistent with ISO/IEC 14443, holder consent to provide a human understandable indication of an account balance associated with the payment account; and providing a human understandable indication of the account balance via an output device, in response at least in part to the consent. ### Claim 2 (depends on 1) The method of claim 1, further comprising: initiating the payment transaction in response at least in part to receiving the information via the proximity payment card having the generally rectangular shape consistent with ISO/IEC 14443. ### Claim 3 (depends on 1) The method of claim 1, where the proximity coupling system comprises a point of sale system. ### Claim 4 (depends on 1) The method of claim 1 wherein the account balance comprises a monetary balance. ### Claim 5 (depends on 1) The method of claim 1, wherein receiving holder consent comprises determining whether the proximity payment card having the generally rectangular shape consistent with ISO/IEC 14443 has been positioned within range of the proximity coupling system for at least a predetermined amount of time after a reference and wherein the reference comprises an indication to the holder after the account data is received. ### Claim 6 (depends on 1) The method of claim 1, wherein receiving holder consent comprises receiving holder consent based at least in part on whether a holder has actuated a switch supported by the proximity payment card having the generally rectangular shape consistent with ISO/IEC 14443. ### Claim 7 (depends on 1) The method of claim 1, wherein providing a human understandable indication of the account balance comprises printing the account balance. ### Claim 8 (depends on 1) The method of claim 1, wherein providing a human understandable indication of the account balance comprises displaying the account balance on an electronic display device. ### Claim 9 (depends on 1) The method of claim 1, wherein providing a human understandable indication of the account balance comprises displaying the account balance to an operator of the proximity coupling system who thereafter verbally informs the holder of the account balance. ### Claim 10 (depends on 1) The method of claim 1, wherein providing a human understandable indication of the account balance comprises indicating the account balance using machine generated speech. ### Claim 11 (depends on 1) The method of claim 1, further comprising receiving, in the proximity coupling system, preference data from the proximity payment card having the generally rectangular shape consistent with ISO/IEC 14443, the preference data indicative of a preferred method to provide a human understandable indication of the account balance. ### Claim 12 (depends on 11) The method of claim 11, wherein providing a human understandable indication of the account balance comprises providing a human understandable indication of the account balance in accordance with the preferred method. ### Claim 13 (depends on 1) The method of claim 1, further comprising receiving, in the proximity coupling system, preference data from the proximity payment card having the generally rectangular shape consistent with ISO/IEC 14443, the preference data indicative of a preferred order of methods to provide a human understandable indication of the account balance. ### Claim 14 (depends on 13) The method of claim 13, wherein the data indicative of a preferred order of methods includes data indicating that a first method is a preferred method and wherein providing a human understandable indication of the account balance comprises providing a human understandable indication of the account balance using the first method if the first method is available. ### Claim 15 (depends on 13) The method of claim 13, wherein the data indicative of a preferred order of methods includes data indicating that a second method is a preferred method if the first method is unavailable and wherein providing a human understandable indication of the account balance comprises providing a human understandable indication of the account balance using the second method if the second method is available and the first method is unavailable. ### Claim 16 Apparatus comprising; a proximity coupling system to: (i) receive, in association with a payment transaction, information via a proximity payment card that is associated with a payment account and has a generally rectangular shape consistent with ISO/IEC 14443 and, (ii) receive via the proximity payment card having the generally rectangular shape consistent with ISO/IEC 14443, holder consent to provide a human understandable indication of an account balance associated with the payment account; and an output device to provide a human understandable indication of the account balance. ### Claim 17 (depends on 16) The apparatus of claim 16, wherein the information comprises account data and wherein the proximity coupling system comprises a processor to receive the account data from the proximity payment card having the generally rectangular shape consistent with ISO/IEC 14443 and to initiate the payment transaction in response at least in part to receiving the account data. ### Claim 18 (depends on 16) The apparatus of claim 16, wherein the account balance comprises a monetary account balance. ### Claim 19 (depends on 16) The apparatus of claim 16 wherein the proximity payment card having the generally rectangular shape consistent with ISO/IEC 14443 comprises a radio frequency identification circuit. ### Claim 20 (depends on 16) The apparatus of claim 16 wherein the proximity coupling system comprises a processor to receive holder consent by determining whether the proximity payment card having the generally rectangular shape consistent with ISO/IEC 14443 has been positioned within range of the proximity coupling system for at least a predetermined amount of time after a reference and wherein the reference comprises an indication to the holder after the account data is received. ### Claim 21 (depends on 16) The apparatus of claim 16, wherein the holder consent comprises holder consent based at least in part on whether a holder has actuated a switch. ### Claim 22 (depends on 16) The apparatus of claim 16, wherein the proximity coupling system comprises a processor to receive preference data from the proximity payment card having the generally rectangular shape consistent with ISO/IEC 14443, the preference data indicative of a preferred method to provide a human understandable indication of the account balance. ### Claim 23 (depends on 16) The apparatus of claim 16, wherein the proximity coupling system comprises a processor to receive preference data from the proximity payment card having the generally rectangular shape consistent with ISO/IEC 14443, the preference data indicative of a preferred order of methods to provide a human understandable indication of the account balance. ### Claim at position 24 24-28. (canceled) ### Claim 29 A non-transitory machine readable storage medium having instructions stored thereon, the instructions executable by a processor to result in a method comprising: receiving, in association with a payment transaction, information at a proximity coupling system via a proximity payment card that is associated with a payment account and has a generally rectangular shape consistent with ISO/IEC 14443; receiving, in the proximity coupling system via the proximity payment card having the generally rectangular shape consistent with ISO/IEC 14443, holder consent to provide a human understandable indication of an account balance associated with the payment account; and providing a human understandable indication of the account balance via an output device, in response at least in part to the consent. ### Claim 30 Apparatus comprising: a proximity payment card that has a generally rectangular shape consistent with ISO/IEC 14443 and is to: (i) transmit, in association with a payment transaction, account data associated with a payment account and (ii) provide holder consent to provide a human understandable indication of an account balance associated with the payment account. ### Claim 31 (canceled) ### Claim 32 (depends on 30) The apparatus of claim 30, wherein the proximity payment card having the generally rectangular shape consistent with ISO/IEC 14443 comprises: data indicative of whether there is consent to provide a human understandable indication of an account balance; and a switch; wherein the proximity payment card having the generally rectangular shape consistent with ISO/IEC 14443 generates the data indicative of whether there is consent to provide a human understandable indication of an account balance based at least in part on whether a holder has actuated the switch. ### Claim 33 (depends on 30) The apparatus of claim 30, wherein the proximity payment card having the generally rectangular shape consistent with ISO/IEC 14443 comprises: a wireless communication interface to: (i) transmit, in association with the payment transaction, the account data associated with the payment account and (ii) provide the holder consent to provide the human understandable indication of the account balance associated with the payment account. ### Claim 34 A non-transitory machine readable storage medium having instructions stored thereon, the instructions executable by a processor to result in a method comprising: transmitting, in association with a payment transaction, information from a proximity payment card that is associated with a payment account and has a generally rectangular shape consistent with ISO/IEC 14443; and providing, by the proximity payment card having the generally rectangular shape consistent with ISO/IEC 14443, holder consent to provide a human understandable indication of an account balance associated with the payment account. ### Claim 35 A method comprising: transmitting, in association with a payment transaction, information from a proximity payment card that is associated with a payment account and has a generally rectangular shape consistent with ISO/IEC 14443; and providing, by the proximity payment card having the generally rectangular shape consistent with ISO/IEC 14443, holder consent to provide a human understandable indication of an account balance associated with the payment account. ### Claim 36 (depends on 35) The method of claim 35, wherein the account balance comprises a monetary balance. ### Claim 37 (depends on 35) The method of claim 35, further comprising: storing preference data in the proximity payment card having the generally rectangular shape consistent with ISO/IEC 14443, wherein the preference data is indicative of a preferred method to provide the human understandable indication of the account balance. ### Claim 38 (depends on 35) The method of claim 35 wherein the proximity payment card having the generally rectangular shape consistent with ISO/IEC 14443 comprises a radio frequency identification circuit. ### Claim 39 A non-transitory machine readable storage medium having instructions stored thereon, the instructions executable by a proximity coupling system to result in a method comprising: receiving, in association with a payment transaction, information at a proximity coupling system via a proximity payment card that is associated with a payment account and has a generally rectangular shape consistent with ISO/IEC 14443; receiving, in the proximity coupling system via the proximity payment card having the generally rectangular shape consistent with ISO/IEC 14443, holder consent to provide a human understandable indication of an account balance associated with the payment account; and providing a human understandable indication of the account balance via an output device, in response at least in part to the consent. ### Claim 40 A method comprising: receiving, in association with a payment transaction, information at a proximity coupling system via a proximity payment card that is associated with a payment account and has a generally rectangular shape with a thickness of 0.030 inches; receiving, in the proximity coupling system via the proximity payment card having the generally rectangular shape with a thickness of 0.030 inches, holder consent to provide a human understandable indication of an account balance associated with the payment account; and providing a human understandable indication of the account balance via an output device, in response at least in part to the consent.