# US 2019/0172054 A1 · Linking A Transaction Account With A Form Factor

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- Number: US 2019/0172054 A1
- Document ID: US20190172054A1
- Status: Published application
- Kind: A1
- Application number: 16/249,668
- Filed: 2019-01-16
- Published: 2019-06-06
- Earliest claimed: 2014-12-10
- Assignees: American Express Travel Related Services Company, Inc.
- Applicants: American Express Travel Related Services Company, Inc.
- Inventors: Jason E. Muncey; Keshav A. Narsipur; Sreenivasan B. Parameshwara; Manoj Krishnamma Thulaseedharan Pillai
- Web page: https://patentgrep.com/patent/US20190172054A1

## CPC

- G06Q 20/3278: {RFID or NFC payments by means of M-devices}
- G06F 16/9554: {by using bar codes}
- G06K 19/0702: {the arrangement including a battery}
- G06K 19/0716: {at least one of the integrated circuit chips comprising a sensor or an interface to a sensor}
- G06Q 20/105: {involving programming of a portable memory device, e.g. IC cards, "electronic purses"}
- G06Q 20/1085: {involving automatic teller machines [ATMs]}
- G06Q 20/20: Point-of-sale [POS] network systems
- G06Q 20/204: {comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit}
- G06Q 20/321: {using wearable devices}
- G06Q 20/3224: {Transactions dependent on location of M-devices}
- G06Q 20/3226: {Use of secure elements separate from M-devices}
- G06Q 20/384: {using social networks}
- G06Q 20/385: {using an alias or single-use codes}
- G07F 19/206: {Software aspects at ATMs}
- 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
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)
- 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})

## Abstract

Systems and methods may comprise RFID data acquisition technology which may be embedded in a fob or tag for use in completing financial transactions. This fob may a self-contained device which includes a transponder and which may be contained on any portable form factor. For instance, the tag may be housed in a wearable transaction instrument, such as an activity tracker. The tag is configured to be used in concert with an RFID reader device.

## Claims

### Claim 1

A method comprising,
receiving, by an application, a provisioning script for a secure chip,
wherein the secure chip executes the provisioning script comprising a secure chip identifier (ID), and
wherein an alias code is associated with a transaction account; and
transmitting, by the application, the secure chip ID to a transaction account issuer that issued the transaction account,
wherein the transaction account issuer links the transaction account with the secure chip ID based on an association between the secure chip ID and the alias code.

### Claim 2 (depends on 1)

The method of claim 1, further comprising requesting, by the application, generation of the provisioning script for the secure chip.

### Claim 3 (depends on 1)

The method of claim 1, wherein the secure chip comprises a communication antenna and a secure chip ID.

### Claim 4 (depends on 1)

The method of claim 1, wherein the secure chip ID is housed in a local memory of a form factor.

### Claim 5 (depends on 1)

The method of claim 1, wherein the secure chip is housed with a form factor.

### Claim 6 (depends on 1)

The method of claim 1, further comprising storing, by the application, the provisioning script to a local memory housed with a form factor.

### Claim 7 (depends on 1)

The method of claim 1, wherein the provisioning script is transmitted from a mobile device to a local memory of a form factor.

### Claim 8 (depends on 1)

The method of claim 1, wherein the provisioning script is transmitted from a mobile device to a local memory of a form factor via Bluetooth communication.

### Claim 9 (depends on 1)

The method of claim 1, wherein the provisioning script is transmitted from a mobile device to a local memory of a form factor, wherein the local memory is a memory of the form factor that is wearable.

### Claim 10 (depends on 9)

The method of claim 9, wherein the wearable form factor is at least one of a bracelet, ring, wrist band, key ring fob, retractable ID, necklace, jewelry charm, lanyard, watch, band, or pin.

### Claim 11 (depends on 1)

The method of claim 1, wherein a local memory is in data communication with the secure chip.

### Claim 12 (depends on 1)

The method of claim 1, wherein a user securely logs into the application to associate at least one of a newly requested transaction account or the transaction account to at least one of the alias code or an identifier of a form factor.

### Claim 13 (depends on 1)

The method of claim 1, wherein the secure chip is utilized in a transaction.

### Claim 14 (depends on 1)

The method of claim 1, wherein the secure chip is housed with a form factor that is an activity tracker.

### Claim 15 (depends on 1)

The method of claim 1, wherein the secure chip is configured to interact with a radio-frequency identification reader coupled to a point of sale system.

### Claim 16

A system comprising:
a processor in communication with an application; and
a tangible, non-transitory local memory of a form factor configured to communicate with the processor,
the tangible, non-transitory local memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising:
receiving, by the processor, a provisioning script for a secure chip,
wherein the secure chip executes the provisioning script comprising a secure chip identifier (ID), and
wherein an alias code is associated with a transaction account; and
transmitting, by the processor, the secure chip ID to a transaction account issuer that issued the transaction account,
wherein the transaction account issuer links the transaction account with the secure chip ID based on an association between the secure chip ID and the alias code.

### Claim 17 (depends on 16)

The system of claim 16, further comprising requesting, by the processor, generation of the provisioning script for the secure chip.

### Claim 18 (depends on 16)

The system of claim 16, wherein the secure chip comprises a communication antenna and a secure chip ID.

### Claim 19 (depends on 16)

The system of claim 16, wherein the secure chip ID is housed in the local memory of the form factor.

### Claim 20

An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by an application, cause the application to perform operations comprising:
receiving, by the application, a provisioning script for a secure chip,
wherein the secure chip executes the provisioning script comprising a secure chip identifier (ID), and
wherein an alias code is associated with a transaction account; and
transmitting, by the application, the secure chip ID to a transaction account issuer that issued the transaction account,
wherein the transaction account issuer links the transaction account with the secure chip ID based on an association between the secure chip ID and the alias code.