Selecting a transaction card for a transaction based on characteristics of the transaction
AssigneeCapital One Services, LLC
InventorsAdam KOEPPEL, James ZARAKAS
Life of this patent
Estimating the term…
Abstract
An example electronic wallet device may include a plurality of card slots configured to hold transaction cards, each card slot, of the plurality of card slots, including a card reader, and the plurality of card slots holding at least two transaction cards; and one or more processors to receive transaction information associated with a transaction at a transaction terminal, select a transaction card, of the at least two transaction cards based on the received transaction information, and/or provide a transaction token, associated with the selected transaction card to be used in connection with the transaction terminal to process the transaction.
Claims22
An electronic wallet device comprising:
- a plurality of card slots configured to hold transaction cards,
- each card slot, of the plurality of card slots, including a card reader, and
- the plurality of card slots for holding at least two transaction cards;
- a communication interface for communication between the electronic wallet device and components of an environment;
- a first card reader interface,
- the first card reader interface connecting each card reader of at least two transaction cards in each card slot, of the plurality of card slots;
- and
- a card slot module,
- the card slot module being removably connected to the electronic wallet device,
- the card slot module comprising:
- a removable module hub,
- the removable module hub including,
- a single card slot,
- a single card reader, and
- a second card reader interface,
- the second card reader interface connecting to the first card reader interface, and the removable module hub connecting to a hub associated with the plurality of card slots, when the card slot module is physically connected to the electronic wallet device, and
- one or more processors to:
- receive transaction information associated with a transaction at a transaction terminal,
- the transaction information being received via the communication interface;
- obtain card information associated with the at least two transaction cards;
- select a transaction card, of the at least two transaction cards inserted into the card slots, based on the received transaction information and obtained card information,
- the transaction card being selected based upon a scoring system,
- the scoring system for determining which of the at least two transaction cards satisfies a threshold relative to the other at least two transaction cards;
- and
- provide a transaction token, associated with the selected transaction card to be used in connection with the transaction terminal to process the transaction,
- the transaction token being provided via the communication interface.
(canceled)
A non-transitory computer-readable medium storing instructions, the instructions comprising:
- one or more instructions that, when executed by one or more processors of an electronic wallet device, cause the one or more processors to:
- receive transaction information associated with a transaction at a transaction terminal;
- identify a set of candidate transaction cards to be used in the transaction,
- the set of candidate transaction cards comprising integrated circuit (IC) chips that are communicatively coupled with a card reader of the electronic wallet device,
- a first card reader interface connecting each card reader of at least two transaction cards in each card slot of a plurality of card slots,
- the plurality of card slots for holding the at least two transaction cards,
- a card slot module, removably connected to the electronic wallet device, comprising:
- a removable module hub including:
- a single card slot,
- a single card reader, and
- a second card reader interface,
- the second card reader interface connecting to the first card reader interface, and the removable module hub connecting to a hub associated with the plurality of card slots, when the card slot module is physically connected to the electronic wallet device;
- obtain card information associated with the set of candidate transaction cards;
- select a transaction card from the set of candidate transaction cards,
- the transaction card being selected based on:
- the card information associated with the set of candidate transaction cards, and
- a scoring system,
- the scoring system for determining which of the set of candidate transaction cards satisfies a threshold relative to the other candidate transaction cards in the set of candidate transaction cards;
- and
- provide a transaction token, associated with the transaction card, to the transaction terminal.
A method, comprising:
- detecting, by an electronic wallet device, a transaction pending at a transaction terminal,
- the electronic wallet device holding at least two transaction cards,
- the electronic wallet device including a first card reader interface,
- the first card reader interface connecting each card reader of at least two transaction cards in each card slot, of a plurality of card slots,
- the electronic wallet device including a card slot module,
- the card slot module being removably connected to the electronic wallet device,
- the card slot module comprising:
- a removable module hub,
- the removable module hub including,
- a single card slot,
- a single card reader, and
- a second card reader interface,
- the second card reader interface connecting to the first card reader interface, and the removable module hub connecting to a hub associated with the plurality of card slots, when the card slot module is physically connected to the electronic wallet device;
- selecting, by the electronic wallet device, a transaction card from the at least two transaction cards,
- the transaction card being selected based on a scoring system and at least one of:
- information associated with the at least two transaction cards, or
- information associated with the transaction,
- the scoring system for determining which of the at least two transaction cards satisfies a threshold relative to the other at least two transaction cards;
- obtaining, by the electronic wallet device, a transaction token associated with the transaction card;
- and
- providing, by the electronic wallet device, the transaction token to the transaction terminal.
(canceled)
Dependencies are inferred from the claim text.