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US 8,074,877 B2Granted
Systems and methods for programmable payment cards and devices with loyalty-based payment applications
AssigneeDynamics Inc.
InventorsJeffrey David Mullen, Philip Yen
Life of this patent
Estimating the term…
Abstract
A payment card (e.g., credit and/or debit card) or other device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. Data may include the type of reward that a user would like to earn as a result of making a purchase or the type of reward that a user would like to utilize to at least partially pay for a purchase.
Claims21
A payment device card comprising:
- a credit card account;
- a first button associated with earning a first reward for said credit card account for a merchant transaction;
- and
- a second button associated with earning a second reward for said credit card account for said merchant transaction, wherein selection of said first button causes information indicative of said first reward to be communicated through a communications device.
1 more element
A payment device comprising:
- a credit card account;
- a first button associated with receiving new rewards for said credit card account for a merchant transaction;
- and
- a second button associated with using acquired rewards for said credit card account for said merchant transaction, wherein selection of said second button causes information indicative of using a reward to be communicated through a communications device such that said acquired rewards are utilized to complete a purchase transaction.
1 more element
A payment device comprising:
- a payment card account;
- a first button associated with earning a first reward for said payment card account for a merchant transaction;
- a second button associated with earning a second reward for said payment card account for said merchant transaction, wherein selection of said first button causes information indicative of said first reward to be communicated through a communications device;
- and
- a display for displaying indicia indicative of said selection of said first button.
2 more elements
Dependencies are inferred from the claim text.