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US 7,597,264 B2Granted
Presentation instrument with non-financial functionality
AssigneeFirst Data Corporation
InventorsKeith A. Newbrough, Peter C. Robbins
Life of this patent
Estimating the term…
Abstract
Systems and methods provide multi-use electronic payment arrangements to consumers for executing electronic payment transactions. Embodiments of these payment arrangements may offer added convenience and security for consumers and merchants by integrating payment devices with more useful presentation instruments.
Claims24
A multi-use electronic payment arrangement comprising:
- a presentation instrument made at least in part of a first material;
- a payment device integrated with the presentation instrument and comprising a transceiver configured for use with an electronic payment system, such that the transceiver is adapted to communicatively couple the payment device with the electronic payment system;
- a mechanical device integrated with the presentation instrument and configured to perform a mechanical function;
- and
- a shield operable to shield the transceiver from electromagnetic exposure to an information appropriation system and to house the mechanical device when the shield is engaged, wherein the shield is interfaced with the payment device such that the payment device can be communicatively coupled with the electronic payment system only when the shield is disengaged, and the shield is configured to be engaged for the mechanical device independent of the shield being engaged for the payment device.
2 more elements
A multi-use electronic payment arrangement comprising:
- a presentation means;
- a first payment means integrated with the presentation means and comprising a transceiving means for communicating transaction information with a first electronic payment system;
- a second payment means integrated with the presentation means for communicating transaction information with a second electronic payment system;
- a mechanical means integrated with the presentation means and configured to perform a mechanical function;
- and
- a shielding means for shielding the first transceiving means from electromagnetic exposure to an information appropriation system when the shielding means is engaged.
3 more elements
A multi-use electronic payment arrangement comprising:
- a presentation instrument made at least in part of a first material;
- a first payment device integrated with the presentation instrument and comprising a transceiver configured for use with an electronic payment system;
- a second payment device configured for use with an electronic payment system;
- a container opener integrated with the presentation instrument;
- and
- a shield operable to shield the second payment device from electromagnetic exposure to an information appropriation system when the shield is engaged, wherein the transceiver is integrated with the presentation instrument external to the shield.
3 more elements
A method for using a multi-use electronic payment arrangement, the method comprising:
- providing the multi-use electronic payment arrangement comprising
- a presentation instrument made at least in part of a first material,
- a payment device integrated with the presentation instrument and comprising a first transceiver configured for use with a first electronic payment system,
- a second transceiver configured for use with a second electronic payment system,
- a mechanical device integrated with the presentation instrument and configured to perform a mechanical function;
- and
- a shield operable to shield the first transceiver from electromagnetic exposure to an information appropriation system when the shield is engaged, and is operable to shield the mechanical device regardless of whether the shield is engaged to shield the first transceiver;
- and
- receiving payment transaction information from the first transceiver when the shield is not engaged.
6 more elements
Dependencies are inferred from the claim text.