# US 2014/0195425 A1 · Systems And Methods For Proxy Card and/or Wallet Redemption Card Transactions

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- Number: US 2014/0195425 A1
- Document ID: US20140195425A1
- Status: Published application
- Kind: A1
- Application number: 14/205,065
- Filed: 2014-03-11
- Published: 2014-07-10
- Earliest claimed: 2010-01-08
- Assignees: Blackhawk Network, Inc.
- Applicants: Blackhawk Network, Inc.
- Inventors: Tomas Ariel Campos; Tushar Vaish; Pranav Sheth
- Web page: https://patentgrep.com/patent/US20140195425A1

## CPC

- G06Q 20/36: using electronic wallets or electronic money safes
- G06K 19/06206: {the magnetic marking being emulated}
- G06Q 20/20: Point-of-sale [POS] network systems
- G06Q 20/351: {Virtual cards}
- G06Q 20/3674: {involving authentication}
- G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q 20/4018: {using the card verification value [CVV] associated with the card}
- 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

## Abstract

Systems and methods for associating a proxy card with an electronic wallet are disclosed. A computer implemented method may include receiving an authentication information of a proxy card, and associating the proxy card with an electronic wallet, wherein associating the proxy card with the electronic wallet allows secure access to the electronic wallet when the proxy card is presented at a point of sale. A system may include a proxy card comprising authentication information, and an electronic wallet associated with the proxy card, wherein the association of the electronic wallet with the proxy card allows secure access to the electronic wallet when the proxy card is presented at a point of sale. A wallet redemption card may comprise a rewriteable magnetic stripe, a smart chip, a wireless communicator operably connected to the smart chip, and an interface operably connected between the rewriteable magnetic stripe and the smart chip.

## Claims

### Claim 1

A computer implemented proxy card transaction authentication method comprising:
receiving authentication information associated with a proxy card; and
associating the proxy card with an electronic wallet;
wherein associating the proxy card with the electronic wallet allows secure access to the electronic wallet when the proxy card is used as a payment instrument.

### Claim 2 (depends on 1)

The method of claim 1, further comprising:
provisioning the electronic wallet with an electronic stored-value card.

### Claim 3 (depends on 1)

The method of claim 1, wherein the electronic wallet comprises an electronic stored-value card.

### Claim 4 (depends on 3)

The method of claim 3, wherein associating the proxy card with the electronic wallet permits use of the electronic stored-value card as a payment instrument when the proxy card is presented at the point of sale.

### Claim 5 (depends on 1)

The method of claim 1, further comprising:
storing an association of the proxy card with the electronic wallet in a database.

### Claim 6 (depends on 1)

The method of claim 1, wherein the association of the proxy card with the electronic wallet is retrieved to verify the proxy card presented at the point of sale is associated with the electronic wallet.

### Claim 7 (depends on 1)

The method of claim 1, wherein the proxy card comprises a magnetic stripe, a barcode, a NFC chip, or combinations thereof.

### Claim 8 (depends on 7)

The method of claim 7, wherein the authentication information is configured in response to user input and encoded on the magnetic stripe, the barcode, the NFC chip, or combinations thereof.

### Claim 9 (depends on 1)

The method of claim 1, wherein the proxy card comprises a rewriteable magnetic stripe.

### Claim 10 (depends on 9)

The method of claim 9, wherein payment information is written to the rewriteable magnetic stripe after the step of associating.

### Claim 11

A system comprising:
a proxy card comprising authentication information; and
an electronic wallet associated with the proxy card;
wherein the association of the electronic wallet with the proxy card allows secure access to the electronic wallet when the proxy card is presented at a point of sale.

### Claim 12 (depends on 11)

The system of claim 11, wherein the electronic wallet comprises at least one electronic stored-value card.

### Claim 13 (depends on 11)

The system of claim 11, further comprising a database, wherein an association of the proxy card with the electronic wallet is stored on the database.

### Claim 14 (depends on 11)

The system of claim 11, wherein the association of the electronic wallet with the proxy card allows use of the electronic stored-value card as a payment instrument when the proxy card is presented at the point of sale.

### Claim 15 (depends on 11)

The system of claim 11, wherein the proxy card comprises a magnetic stripe, a barcode, a NFC chip, or combinations thereof.

### Claim 16 (depends on 14)

The system of claim 14, wherein the authentication information is encoded on the magnetic stripe, the barcode, the NFC chip, or combinations thereof.

### Claim 17 (depends on 11)

The system of claim 11, wherein the proxy card comprises a rewriteable magnetic stripe, wherein payment information is written to the rewriteable magnetic stripe.

### Claim 18 (depends on 11)

The system of claim 11, wherein the electronic wallet associated with the proxy card has consumer specified parameters for use and restriction of the proxy card.

### Claim 19

A wallet redemption card comprising:
a rewriteable magnetic stripe;
a smart chip;
a wireless communicator operably connected to the smart chip; and
an interface operably connected between the rewriteable magnetic stripe and the smart chip;
wherein the smart chip is configured to receive payment information via the wireless communicator, wherein the smart chip comprises a memory, wherein the smart chip is configured to write the payment information to the memory, wherein the smart chip is configured to read the written payment information from the memory, wherein the smart chip is configured to erase the payment information from the memory.

### Claim 20 (depends on 19)

The wallet redemption card of claim 19, wherein the smart chip is configured to send the payment information to the rewriteable magnetic stripe via the interface, wherein the interface is configured to write the payment information to the rewriteable magnetic stripe.
