Software Technology for “Augmented Reality Numberless Transaction Card”

Electronics – John Ross Neale, William R. Breed, Jasvir K. Singh, Geraldine M. Carolan, Kristine Collings, Kourtney Eidam, Wells Fargo Bank NA

Abstract for “Augmented Reality Numberless Transaction Card”

“A method that is implemented on an AR electronic device includes receiving a request for activation of a transaction account on a card. The transaction card activates the transaction card account. The AR electronic device displays a virtual representation of the account information for the transaction card account. The transaction card’s exterior is completely free from account identifying information.

Background for “Augmented Reality Numberless Transaction Card”

Augmented reality refers to a technology that enhances a person’s perception of reality, usually through augmented sound, video, or graphics displays. Augmentation can be done using a variety of technologies, including a headset. The headset may present augmented views to the individual.

The augmented reality headset usually includes an optical display and a wearable computer. The wearable computer could include wireless telecommunication capabilities, which allow for wireless connections between the wearable computer and a server computer. The wireless telecommunication capability allows the augmented reality headset to be connected to the server computer for various tasks.

“Embodiments are directed at a method implemented using an augmented reality electronic device. The method comprises: receiving a request for activation of a transaction account on a card transaction; activating the card transaction account on the card transaction; and displaying a virtual representation account information corresponding with the AR electronic device. Account identifying information is not displayed on the card transaction account.

“A transaction card, according to another aspect, comprises: A plastic housing; a wireless communication system; a memory that stores account information for a plurality transaction card accounts; one to three electronic components that activate the transaction account when an activating command is received at the transaction cards; and an account information delivery component that delivers data about the account.

“Another aspect of an AR device is: A processing unit; system memory; instructions that, when executed by it, cause the AR unit to: activate a transaction account on a card transaction; obtain identification facts from the AR user; authenticate the AR user based on obtained identification factors; activate the card transaction account on the card transaction; send a wireless signal (with information identifying the transaction account); and project a virtual representation of account information corresponding the activated transaction account on AR electronic device. The AR electronic device projects the card’s account number, expiration date, a card verification (CVV) for transaction-card account number (CVV), an account name and an account number (or card) for the card).

“The accompanying drawings and description will detail the details of each technique. These techniques may also have other features, advantages, or objects that will be evident from the drawings and claims.

“DESCRIPTION DU DRAWINGS”

“FIG. “FIG.

“FIG. “FIG. 1.”

“FIG. FIG. 3 illustrates some components of the FIG. 1.”

“FIG. “FIG.

“FIG. “FIG. 1.”

“FIG. “FIG. 1.”

“FIG. FIG. 7 illustrates an example of physical components of the AR device. 1.”

The present disclosure relates to systems and methods of using AR to create a numberless transaction cards. A numberless transaction card can contain a user’s name, as well as a name and logo of a financial institution. The numberless transaction card doesn’t have an account number or card verification value (CVV), expiration date or any other account identifying information printed on it. The transaction card contains one or more virtual account numbers. Virtual account numbers, CVV number and/or expiration date on the numberless card correspond to actual transaction cards accounts. However, they can only be viewed through an AR electronic device by an authorized user. The account information can be displayed on the numberless card in certain embodiments when the AR electronic device is used to view the numberless card.

Security of transaction cards is improved by using virtual accounts instead of having account numbers, CVV number and/or expiration date printed, embossed, or displayed on them. An authorized user can only view the account number, CVV number, and/or expiration date of an active account on the transaction cards via the AR device. The AR device will identify the authorized user as a person that is configured to associate with it. An AR device is required to be used. A person who does not have an AR device or uses another AR device and/or the AR device without authentication will not be able view the account number, CVV numbers, and/or expiration dates.

The financial institution can issue a replacement account number or CVV number to the account, and notify the user about the compromised account. The financial institution can also remotely renew an expired transaction card, without the need to issue another card.

“The user can transmit the replacement transaction card information from their AR device to the card to update account information. An alert may be displayed on the transaction card in some embodiments when the transaction card has been compromised. This could be done via an AR device that displays a pop-up window or pop-up windows. This alert informs the user that the account number was remotely altered or is currently being changed. An additional link or contact number may also be included to allow access to further information and/or assistance. You can also send a second alert via email or text message.

“In addition, as one transaction card can be associated with multiple account numbers, one transaction card could be used instead of separate transaction cards for each account. This eliminates the inconvenience and cost of having multiple transaction cards.

“A numberless transaction card, as used in this disclosure is a card that does not contain account identifying information such a account number, CVV code, expiration date or expiration date printed on it. The numberless transaction card can include other numbers such as the address of a financial institution. The account number can also include characters, as well as numbers.

A transaction card can be a credit card or debit card, as well as a loyalty card and rewards card. The numberless transaction card can be used in a variety of ways. It may be used to pay a credit, debit, loyalty, rewards, or gift card.

“The systems, methods and procedures are generally described for AR devices that can be worn by or carried by users. An AR headset is one example of an AR device that could be worn by the user. A smart phone or tablet computer with AR components, such as a display and processor, camera and software application, is an example of an AR device the user may carry.

The AR headset includes an AR headset, a camera, and an optical display. The wearable computer has wireless telecommunication capabilities that allow for wireless communication between the wearable and server computers. Voice recognition technology allows the wearable to be controlled by voice commands. The wearable computer may also include biometric capabilities such as facial recognition and retinal scan capability. Finger print scanning capability is available in certain implementations. The optical display can reflect projected images and allow the user to see through it.

One type of AR headset described is a smart-glass type headset that can be worn by the user. AR images can be viewed by the user in the glass section of the headset. Google Glass is an example of a smart-glass headset. It’s made by Google Inc. of Mountain View (Calif.).

“To ensure that account information is only visible to authorized users, it is necessary to identify the user. The AR device allows the user to view the account information once they have been identified. One or more biometric identification methods can be used to identify the AR device user, including facial recognition, facial scan, finger print scan, or voice print analysis. You may also use other methods to identify the user.

“Using the systems, methods and disclosures described herein, transaction card account information can be entered into a virtual dashboard. A digital dashboard is a user interface on a computing device. It can be a financial software application, or a smart phone. The digital dashboard allows users to enter account information for one or multiple transaction card accounts. You can also link the transaction card accounts to the numberless card by scanning a transaction card with an AR device, and then converting the information from the scanned card to virtual account information. In some cases, the user can also provide authentication information such as voice, retinal scans, finger prints scans and facial information. A specific AR device can be authorized by the user for use with transaction card accounts.

“Using the systems, the user might be able activate an account number on the card through one or more of the following ways. A verbal command is one way to activate an account number. If the transaction card can be used for both credit and debit cards, the user could simply issue a verbal request such as “credit card?” or?debit cards? To switch between a debit and credit card account on the transaction card. Another example is that a transaction card can be configured to accept multiple credit cards or debit cards. The user can issue a specific verbal command for each credit card, debit card, and/or combination thereof. A touch to a particular area on the AR device, or a hand gesture may activate an account number. This may allow for specific credit cards or debit cards to be identified. Another example is that the user can activate the account number on the transaction cards via an interface on a smartphone in communication with the card. There are other ways to activate the account for the transaction cards.

The transaction card can be used to buy items once it has been activated. The transaction card can be scanned at the point of sale (POS), and an account number is generated. If the numberless card stores information about multiple transaction cards accounts, the POS will receive the account information of the current active transaction card account.

“FIG. “FIG. The system 100 includes a mobile phone 102, a server computer104, an AR device106, and a transaction card108.

“Mobile device102” is usually a smart phone or tablet computer with a financial software program. Mobile device 102 may establish a wireless connection with server computer 104. Mobile device 102 may display a user interface to the digital dashboard. The digital dashboard may allow you to enter account information for the numberless card. More details are provided later.

“The digital dashboard is typically set up at the user?s home. To access the account information via digital dashboard, you can use mobile device 102 at home. You can also use other devices at home, such as a tablet or desktop computer to set up your digital dashboard. The account information can be easily selected via AR device106 at home when the numberless transaction cards are being used.

“Server computer104” can refer to a server computer that is associated with a financial institution such as a bank. AR device 106 could be an AR headset, a smart phone or tablet computer with a processor and display, camera, and AR software. Transaction card 108 refers to a transaction card that contains a variety of information. It can only be viewed by an authorized AR device.

“FIG. “FIG. Module 200 includes a camera, display, electronics, 206, and GPS software. Camera 202 is an AR device that comes with AR software 208. Display 204, a display also included in AR device 106, is also available. Electronics 206 is an electronic computing device that has wireless capabilities. Wireless capability can include Bluetooth, radio frequency ID (RFID), or other similar wireless capabilities. GPS software 208 may be an application that is installed on a mobile electronic device. AR device 106 refers to an AR headset. It includes the AR headset’s camera 202, display and electronics 206. GPS software 208 is also part of it.

“FIG. “FIG. The transaction card 108 may include a wireless communication device 302, electronic 304, and a dynamic magnet stripe 306. Wireless communication is possible with AR device 106 using the example wireless communication device 302. The wireless communication device 302 can be used to transmit radio frequency identification (RFID), as an example. Other embodiments of the wireless communication devices 302 include a Bluetooth enabled device or a WiFi enabled phone.

“In some embodiments, a battery (not illustrated) is used to power the wireless communication device 302. This battery is connected with the transaction card 110. Other embodiments of the wireless communication system 302 draw power from the AR device. This is when the wireless communication devices 302 and 106 are within close proximity. The AR device 106 has functionality to communicate with the wireless communication devices. In one example, the transaction card (108) includes an RFID tag, while AR device (106) includes an RFID reader.

“In this example, AR device106 selects a payment account and sends the identifying information to wireless communication device 302 when it is selected. The signal is sent by AR device 106 from wireless communication device 302. The signal contains the identifying information. The signal could use inductive coupling or load modulation to transmit the identifying data. There are other ways that the signal can include the identifying data. The transaction card 108 could include a power source, such as a battery, in some instances.

“Alternatively, transaction cards 108 can be set up to store account information for one or several transaction card accounts. Transaction card 108, for example, can contain a memory (not seen) that stores transaction card account information and other information such as identification. As discussed above, the user can change the transaction card account on transaction card 110 using a gesture, verbal command or any other selection mechanism on AR device106. This embodiment uses AR device 106 to identify the transaction card account that is to be selected, but does not transmit account information to transaction cards 108.

The electronics 304 may include a semiconductor device such as a smart card that is embedded or attached to the transaction cards. The electronics 304 extracts identifying information from the wireless communication device 302. The electronics 304 may use a dynamic magnet stripe to extract the identifying information from the signal sent to wireless communication device 302.

“The dynamic magnetic stripe 306 is a magnetic material band located on the back side of transaction card 108, forming a rectangular stripe. This magnetic material can be used to store data by polarizing small magnets within the magnetic material. The identifying information contained in the wireless communication device’s signal 302 determines how the dynamic magnetic stripe 306 will be polarized. The identifying information from the wireless communication device 302 is used to polarize the dynamic magnet stripe 306 so that it contains information about the account. The account number, CVV, and expiration date are the most common information stored in dynamic magnetic stripe 306. You may also find other information about the account.

“In some other embodiments, dynamic magnetic stripe 306 might not be used. Alternate embodiments may use contactless smartcard technology. The contactless smart card technology allows for the storage of identifying information in either a card memory or in an electronic device.

“Transaction card 108 can also include a way to communicate account information via near-field communication with a POS. Transaction card 108, for example, can contain a near field communication transceiver which communicates with a POS near-field communications device to transmit information about the transaction card account. Electronics 304 control the transmission of information to the POS using the near-field communication device. The transaction card 110 can be used to make transactions for the chosen account if it is programmed with the account information. The transaction card 108 can be used for purchases in a POS machine and in an ATM in the same way as a conventional transaction cards with the account number of your selected account printed on them.

“FIG. “FIG. To allow the user to set up the transaction card 108 ahead of time, the user interface 400 can be displayed on mobile device.102 User interface 400 may also be displayed on a personal computer at home. User interface 400 contains fields for user name 402, userID 404, new card number 406, new card nickname 410, and current transaction cards 416. The digital dashboard also allows you to enter other fields.

“A user name is entered in the field 402 and the field 404 respectively. A user ID could be a number that identifies the user to a bank, or another financial institution.

“When the user wishes to add a transaction card account to the list of accounts for transaction card 108, a transaction card name is entered via editbox 406 and an account # via editbox 408. Optionally, you can enter a new transaction card nickname to the new card account via edit box. A new transaction card nickname can be used to identify the person who will activate the verbal command. If the new transaction account name is a formal credit card name, the new nickname for the transaction card may be used as an alias. The activating verbal command for transaction card field 410 may be the nickname, rather than the formal title.

“When the user creates a new card transaction account and clicks the Add button 414, new card information is sent by server computer 104 to server computer 104. It then gets added to the list of credit card accounts that are available for transaction card 108. The current transaction cards pull-down box 416 also displays information about the new account. To view all transaction card information, the user can scroll through the current transaction card pull-down box 416. A transaction card account can be activated for transaction cards 108 by the user uttering a command to the account.

You can delete a current transaction card by selecting one from the pull-down box for current transactions 416 and clicking the Delete button 418.

“An alternative embodiment allows the user to add a new account for transaction card activation using AR device106. AR device 106 can be used to capture an image of a transaction card. The image contains account information, such as account number, CVV, expiration date, and user name. AR device 106 will automatically extract account information from the captured picture to make transaction card account accessible on card 108.

“FIG. “FIG.

“At operation 502, a transaction card is configured using account information. The account information includes the name and account number of the transaction card. The account information for the transaction card account can be accessed on a server computer (e.g. server computer 104 for a bank).

The account information can be added to the transaction card when it is issued. You can also configure the transaction card with account information other times. For example, if your account information has been compromised or if you have an expiration date.

“At operation 504, account information is stored on the transaction cards and the card is activated. In some embodiments the account information is written on the transaction card to a dynamic magnetic stripe. Other embodiments, such as when the transaction is contactless, write the account information to a nonvolatile memory device.

The transaction card can be used to make transactions using the account. The transaction card can be used in the same way as a standard transaction cards. It has a transaction account number and other information. The activated transaction can be used in a POS machine to make purchases with the activated card.

“At operation 506, the identity of the user or wearer of the AR device can be obtained. The identity can be obtained using a biometric authentication method, such as facial recognition or retinal scan, voiceprint analysis, finger print scan, voice print analysis, or voice print analysis. Software that can be used to identify the AR device user or wearer from profile information stored on it is part of the AR device.

“At operation 508, a wearer or user is authenticated. Authentication is the process of verifying that the AR device’s wearer or user is authenticated. The authentication blocks unauthorized persons from accessing the transaction card account information associated to the numberless transaction cards. The authentication can be done on the AR device in some cases. Other implementations require that the authentication be performed on a server computer. For example, server computer 104.

“Identification information for the user or wearer of the AR device is transmitted from the AR device to a server computer when authentication is enabled on that computer. The server computer compares the identity with any profile information stored on the server or accessible from the server. The server computer may receive identification information from the following methods: facial recognition, voice print analysis, finger print scan, voiceprint analysis, and retinal scan.

“At operation510, transaction card account details are displayed on the AR device. The AR device may project the information into space behind the transaction card in some embodiments. The information usually includes an account number, a name and expiration date, as well as a CVV code. You may also see other information. An account balance, and/or the amount of credit available for the transaction card account might be displayed. The AR device can only view the information virtualy, so only the user or wearer of the AR device can see it. The transaction card does not display the information and any other AR device user that might view it or may be looking at the AR device’s shoulder may not see the information.

“FIG. “FIG. 6” shows a flowchart for configuring and using 600 to store a plurality transaction card accounts.

“At operation 602, a transaction card is configured using account information. The account information includes names and account numbers of one or more transaction cards that can be activated for the transaction. Transaction card accounts are accounts that have been approved and opened for users. The account information for transaction card accounts can be accessed on a server computer (e.g. server computer 104 for a financial institution like a bank).

“In some embodiments, the transaction cards are configured using a user interface on a digital dashboard as shown in FIG. 4. You can view the digital dashboard on any electronic device, such as a smartphone or tablet computer, or even on your home computer. The digital dashboard allows you to create a transaction card by entering the names and account numbers of each card. The names and account numbers may be sent to the server computer in some instances. The transaction card is associated with the names and account numbers by the server computer. Alternativly, the account numbers and names can be stored locally on AR device106.

“At operation 604, an AR device is activated by a command. The AR device can be a smart-glass type headset, such as Google Glass. Although the command can be verbally issued by the AR device user or wearer, other types of commands are also possible. The command will identify the transaction card account that needs to be activated. The digital dashboard can identify the transaction card by entering the name of the card or an alias for it.

“At operation 606, the identity of the user or wearer of the AR device can be obtained. The identity can be obtained using a biometric authentication method, such as facial recognition or retinal scan, voiceprint analysis, finger print scan, or voice print analysis. Software that can be used to identify the AR device user or wearer from profile information stored on it is part of the AR device.

“At operation 608, authentication is performed. Authentication is the process of verifying that the AR device’s wearer or user is authenticated. The authentication blocks unauthorized persons from accessing the transaction card account information associated to the numberless transaction cards. The authentication can be done on the AR device in some cases. Other implementations require that the authentication be done on a server computer. For example, server computer 104. The authentication process is performed on the server computer. This means that the AR device sends identification information to the server computer. The server computer compares the identity with any profile information stored on the server or accessible from the server. The server computer may receive identification information from the following methods: facial recognition, voice print analysis, finger print scan, voiceprint analysis, and retinal scan.

“At operation610, after authentication of the user or wearer of the AR device, a transaction account associated with the command on the transaction card is activated. The AR device allows the user to view the activated account number, as well as the CVV and expiration dates, on the transaction card. The AR device sends a signal to the transaction card to activate the card’s transaction card account. The transaction card receives the signal via wireless communication. The signal contains information that identifies the transaction card account to activate. The information can be used in some cases to identify the transaction account that will be activated using a dynamic magnetic stripe attached to the transaction card. The account information stored on the dynamic magnetic stripe is for one or more transaction card accounts. The information can also be used to control the signal sent from the near-field communication device attached to the payment card.

The transaction card can be used to make transactions using the account. The transaction card can be used in the same way as a standard transaction cards. It has a transaction account number and other information. The activated transaction can be used in a POS machine to make purchases with the activated card.

“At operation 612 the transaction card account information can be displayed on an AR device. The AR device may project the information into space behind the transaction card in some embodiments. The information usually includes an account name, a number, expiration date, and a code CVV. You may also see other information. An account balance, and/or the amount of credit available for the transaction card account might be displayed. The AR device can only view the information virtualy, so only the user or wearer of the AR device can see it. The transaction card does not display the information and any other AR device user that might view it or may be looking at the AR device’s shoulder may not see the information.

“As shown in FIG. 7 The AR device 106 has at least one central processor unit (CPU?), as illustrated in FIG. 702, a system-memory 708, and a 722 system bus that links the 708 system memory to the 702 CPU 702. System memory 708 contains a random access memory (??RAM?). 710, and a read only memory (?ROM?) 712. The ROM 712 contains a basic input/output program that allows information to be transferred between elements of the AR device 106. This includes routines used during startup. A mass storage device 714 is also included in the AR device 106. The mass storage device 714 can store data and software instructions. Similar to FIG. 7, a central processing unit, system memories and mass storage devices are shown. 7 are also included with server computer 104.”

“The mass storage device 714 connects to the CPU 702 via a mass controller (not shown), connected to system bus 722. The AR device 106 is provided non-volatile and non-transitory storage by the mass storage device 714. While computer-readable media storage media is described herein as a mass storage device such as a hard drive or solid state disk it should be understood by those skilled in art that any non-transitory physical device or article can be used to store data or instructions.

Computer-readable media can be volatile or non-volatile media, removable or non-removable media, and are used in any technology or method for storing information, such as computer-readable instructions, data structures and program modules, or other data. Examples of computer-readable media include RAM, ROM EPROM, Flash Memory or Other Solid State Memory Technology, CD-ROMs, digital versatile disks (?DVDs), and others. Other optical storage media, magnetic cassettes and magnetic tape, magnetic disc storage, or other magnetic storage devices are all examples of computer-readable data storage media.

According to different embodiments of the invention, an AR device 106 can operate in a networked environment by using logical connections with remote network devices via the network 720. This could include a wireless network, Internet or another type network. An AR device 106 can connect to the network 702. This unit 704 is connected to the system bus 722. The network interface unit 704 can also be used to connect to remote computing systems and other networks. An input/output control 706 is included in the AR device 106. This controller can receive and process input from various devices, such as a touch screen display screen or other types of input devices. The input/output control 706 can also be used to output to a touch interface display screen or another type of output device.

“As we have already mentioned, the RAM 710 and the mass storage device 714 of the AR device106 can store data and software instructions. Software instructions can be used to control the AR device 106 using an operating system 718. The RAM 710 and/or 714 also contain software instructions that, when executed by CPU 702, cause AR device 106’s functionality to be provided. The RAM 710 and/or 714 can store software instructions which, when executed by CPU 702, cause AR device 106’s display screen to show received financial data.

“Although there are many embodiments described in this document, people of ordinary skill will be able to see that many modifications can be made within the scope the present disclosure.” The examples given do not limit the scope of disclosure.

Summary for “Augmented Reality Numberless Transaction Card”

Augmented reality refers to a technology that enhances a person’s perception of reality, usually through augmented sound, video, or graphics displays. Augmentation can be done using a variety of technologies, including a headset. The headset may present augmented views to the individual.

The augmented reality headset usually includes an optical display and a wearable computer. The wearable computer could include wireless telecommunication capabilities, which allow for wireless connections between the wearable computer and a server computer. The wireless telecommunication capability allows the augmented reality headset to be connected to the server computer for various tasks.

“Embodiments are directed at a method implemented using an augmented reality electronic device. The method comprises: receiving a request for activation of a transaction account on a card transaction; activating the card transaction account on the card transaction; and displaying a virtual representation account information corresponding with the AR electronic device. Account identifying information is not displayed on the card transaction account.

“A transaction card, according to another aspect, comprises: A plastic housing; a wireless communication system; a memory that stores account information for a plurality transaction card accounts; one to three electronic components that activate the transaction account when an activating command is received at the transaction cards; and an account information delivery component that delivers data about the account.

“Another aspect of an AR device is: A processing unit; system memory; instructions that, when executed by it, cause the AR unit to: activate a transaction account on a card transaction; obtain identification facts from the AR user; authenticate the AR user based on obtained identification factors; activate the card transaction account on the card transaction; send a wireless signal (with information identifying the transaction account); and project a virtual representation of account information corresponding the activated transaction account on AR electronic device. The AR electronic device projects the card’s account number, expiration date, a card verification (CVV) for transaction-card account number (CVV), an account name and an account number (or card) for the card).

“The accompanying drawings and description will detail the details of each technique. These techniques may also have other features, advantages, or objects that will be evident from the drawings and claims.

“DESCRIPTION DU DRAWINGS”

“FIG. “FIG.

“FIG. “FIG. 1.”

“FIG. FIG. 3 illustrates some components of the FIG. 1.”

“FIG. “FIG.

“FIG. “FIG. 1.”

“FIG. “FIG. 1.”

“FIG. FIG. 7 illustrates an example of physical components of the AR device. 1.”

The present disclosure relates to systems and methods of using AR to create a numberless transaction cards. A numberless transaction card can contain a user’s name, as well as a name and logo of a financial institution. The numberless transaction card doesn’t have an account number or card verification value (CVV), expiration date or any other account identifying information printed on it. The transaction card contains one or more virtual account numbers. Virtual account numbers, CVV number and/or expiration date on the numberless card correspond to actual transaction cards accounts. However, they can only be viewed through an AR electronic device by an authorized user. The account information can be displayed on the numberless card in certain embodiments when the AR electronic device is used to view the numberless card.

Security of transaction cards is improved by using virtual accounts instead of having account numbers, CVV number and/or expiration date printed, embossed, or displayed on them. An authorized user can only view the account number, CVV number, and/or expiration date of an active account on the transaction cards via the AR device. The AR device will identify the authorized user as a person that is configured to associate with it. An AR device is required to be used. A person who does not have an AR device or uses another AR device and/or the AR device without authentication will not be able view the account number, CVV numbers, and/or expiration dates.

The financial institution can issue a replacement account number or CVV number to the account, and notify the user about the compromised account. The financial institution can also remotely renew an expired transaction card, without the need to issue another card.

“The user can transmit the replacement transaction card information from their AR device to the card to update account information. An alert may be displayed on the transaction card in some embodiments when the transaction card has been compromised. This could be done via an AR device that displays a pop-up window or pop-up windows. This alert informs the user that the account number was remotely altered or is currently being changed. An additional link or contact number may also be included to allow access to further information and/or assistance. You can also send a second alert via email or text message.

“In addition, as one transaction card can be associated with multiple account numbers, one transaction card could be used instead of separate transaction cards for each account. This eliminates the inconvenience and cost of having multiple transaction cards.

“A numberless transaction card, as used in this disclosure is a card that does not contain account identifying information such a account number, CVV code, expiration date or expiration date printed on it. The numberless transaction card can include other numbers such as the address of a financial institution. The account number can also include characters, as well as numbers.

A transaction card can be a credit card or debit card, as well as a loyalty card and rewards card. The numberless transaction card can be used in a variety of ways. It may be used to pay a credit, debit, loyalty, rewards, or gift card.

“The systems, methods and procedures are generally described for AR devices that can be worn by or carried by users. An AR headset is one example of an AR device that could be worn by the user. A smart phone or tablet computer with AR components, such as a display and processor, camera and software application, is an example of an AR device the user may carry.

The AR headset includes an AR headset, a camera, and an optical display. The wearable computer has wireless telecommunication capabilities that allow for wireless communication between the wearable and server computers. Voice recognition technology allows the wearable to be controlled by voice commands. The wearable computer may also include biometric capabilities such as facial recognition and retinal scan capability. Finger print scanning capability is available in certain implementations. The optical display can reflect projected images and allow the user to see through it.

One type of AR headset described is a smart-glass type headset that can be worn by the user. AR images can be viewed by the user in the glass section of the headset. Google Glass is an example of a smart-glass headset. It’s made by Google Inc. of Mountain View (Calif.).

“To ensure that account information is only visible to authorized users, it is necessary to identify the user. The AR device allows the user to view the account information once they have been identified. One or more biometric identification methods can be used to identify the AR device user, including facial recognition, facial scan, finger print scan, or voice print analysis. You may also use other methods to identify the user.

“Using the systems, methods and disclosures described herein, transaction card account information can be entered into a virtual dashboard. A digital dashboard is a user interface on a computing device. It can be a financial software application, or a smart phone. The digital dashboard allows users to enter account information for one or multiple transaction card accounts. You can also link the transaction card accounts to the numberless card by scanning a transaction card with an AR device, and then converting the information from the scanned card to virtual account information. In some cases, the user can also provide authentication information such as voice, retinal scans, finger prints scans and facial information. A specific AR device can be authorized by the user for use with transaction card accounts.

“Using the systems, the user might be able activate an account number on the card through one or more of the following ways. A verbal command is one way to activate an account number. If the transaction card can be used for both credit and debit cards, the user could simply issue a verbal request such as “credit card?” or?debit cards? To switch between a debit and credit card account on the transaction card. Another example is that a transaction card can be configured to accept multiple credit cards or debit cards. The user can issue a specific verbal command for each credit card, debit card, and/or combination thereof. A touch to a particular area on the AR device, or a hand gesture may activate an account number. This may allow for specific credit cards or debit cards to be identified. Another example is that the user can activate the account number on the transaction cards via an interface on a smartphone in communication with the card. There are other ways to activate the account for the transaction cards.

The transaction card can be used to buy items once it has been activated. The transaction card can be scanned at the point of sale (POS), and an account number is generated. If the numberless card stores information about multiple transaction cards accounts, the POS will receive the account information of the current active transaction card account.

“FIG. “FIG. The system 100 includes a mobile phone 102, a server computer104, an AR device106, and a transaction card108.

“Mobile device102” is usually a smart phone or tablet computer with a financial software program. Mobile device 102 may establish a wireless connection with server computer 104. Mobile device 102 may display a user interface to the digital dashboard. The digital dashboard may allow you to enter account information for the numberless card. More details are provided later.

“The digital dashboard is typically set up at the user?s home. To access the account information via digital dashboard, you can use mobile device 102 at home. You can also use other devices at home, such as a tablet or desktop computer to set up your digital dashboard. The account information can be easily selected via AR device106 at home when the numberless transaction cards are being used.

“Server computer104” can refer to a server computer that is associated with a financial institution such as a bank. AR device 106 could be an AR headset, a smart phone or tablet computer with a processor and display, camera, and AR software. Transaction card 108 refers to a transaction card that contains a variety of information. It can only be viewed by an authorized AR device.

“FIG. “FIG. Module 200 includes a camera, display, electronics, 206, and GPS software. Camera 202 is an AR device that comes with AR software 208. Display 204, a display also included in AR device 106, is also available. Electronics 206 is an electronic computing device that has wireless capabilities. Wireless capability can include Bluetooth, radio frequency ID (RFID), or other similar wireless capabilities. GPS software 208 may be an application that is installed on a mobile electronic device. AR device 106 refers to an AR headset. It includes the AR headset’s camera 202, display and electronics 206. GPS software 208 is also part of it.

“FIG. “FIG. The transaction card 108 may include a wireless communication device 302, electronic 304, and a dynamic magnet stripe 306. Wireless communication is possible with AR device 106 using the example wireless communication device 302. The wireless communication device 302 can be used to transmit radio frequency identification (RFID), as an example. Other embodiments of the wireless communication devices 302 include a Bluetooth enabled device or a WiFi enabled phone.

“In some embodiments, a battery (not illustrated) is used to power the wireless communication device 302. This battery is connected with the transaction card 110. Other embodiments of the wireless communication system 302 draw power from the AR device. This is when the wireless communication devices 302 and 106 are within close proximity. The AR device 106 has functionality to communicate with the wireless communication devices. In one example, the transaction card (108) includes an RFID tag, while AR device (106) includes an RFID reader.

“In this example, AR device106 selects a payment account and sends the identifying information to wireless communication device 302 when it is selected. The signal is sent by AR device 106 from wireless communication device 302. The signal contains the identifying information. The signal could use inductive coupling or load modulation to transmit the identifying data. There are other ways that the signal can include the identifying data. The transaction card 108 could include a power source, such as a battery, in some instances.

“Alternatively, transaction cards 108 can be set up to store account information for one or several transaction card accounts. Transaction card 108, for example, can contain a memory (not seen) that stores transaction card account information and other information such as identification. As discussed above, the user can change the transaction card account on transaction card 110 using a gesture, verbal command or any other selection mechanism on AR device106. This embodiment uses AR device 106 to identify the transaction card account that is to be selected, but does not transmit account information to transaction cards 108.

The electronics 304 may include a semiconductor device such as a smart card that is embedded or attached to the transaction cards. The electronics 304 extracts identifying information from the wireless communication device 302. The electronics 304 may use a dynamic magnet stripe to extract the identifying information from the signal sent to wireless communication device 302.

“The dynamic magnetic stripe 306 is a magnetic material band located on the back side of transaction card 108, forming a rectangular stripe. This magnetic material can be used to store data by polarizing small magnets within the magnetic material. The identifying information contained in the wireless communication device’s signal 302 determines how the dynamic magnetic stripe 306 will be polarized. The identifying information from the wireless communication device 302 is used to polarize the dynamic magnet stripe 306 so that it contains information about the account. The account number, CVV, and expiration date are the most common information stored in dynamic magnetic stripe 306. You may also find other information about the account.

“In some other embodiments, dynamic magnetic stripe 306 might not be used. Alternate embodiments may use contactless smartcard technology. The contactless smart card technology allows for the storage of identifying information in either a card memory or in an electronic device.

“Transaction card 108 can also include a way to communicate account information via near-field communication with a POS. Transaction card 108, for example, can contain a near field communication transceiver which communicates with a POS near-field communications device to transmit information about the transaction card account. Electronics 304 control the transmission of information to the POS using the near-field communication device. The transaction card 110 can be used to make transactions for the chosen account if it is programmed with the account information. The transaction card 108 can be used for purchases in a POS machine and in an ATM in the same way as a conventional transaction cards with the account number of your selected account printed on them.

“FIG. “FIG. To allow the user to set up the transaction card 108 ahead of time, the user interface 400 can be displayed on mobile device.102 User interface 400 may also be displayed on a personal computer at home. User interface 400 contains fields for user name 402, userID 404, new card number 406, new card nickname 410, and current transaction cards 416. The digital dashboard also allows you to enter other fields.

“A user name is entered in the field 402 and the field 404 respectively. A user ID could be a number that identifies the user to a bank, or another financial institution.

“When the user wishes to add a transaction card account to the list of accounts for transaction card 108, a transaction card name is entered via editbox 406 and an account # via editbox 408. Optionally, you can enter a new transaction card nickname to the new card account via edit box. A new transaction card nickname can be used to identify the person who will activate the verbal command. If the new transaction account name is a formal credit card name, the new nickname for the transaction card may be used as an alias. The activating verbal command for transaction card field 410 may be the nickname, rather than the formal title.

“When the user creates a new card transaction account and clicks the Add button 414, new card information is sent by server computer 104 to server computer 104. It then gets added to the list of credit card accounts that are available for transaction card 108. The current transaction cards pull-down box 416 also displays information about the new account. To view all transaction card information, the user can scroll through the current transaction card pull-down box 416. A transaction card account can be activated for transaction cards 108 by the user uttering a command to the account.

You can delete a current transaction card by selecting one from the pull-down box for current transactions 416 and clicking the Delete button 418.

“An alternative embodiment allows the user to add a new account for transaction card activation using AR device106. AR device 106 can be used to capture an image of a transaction card. The image contains account information, such as account number, CVV, expiration date, and user name. AR device 106 will automatically extract account information from the captured picture to make transaction card account accessible on card 108.

“FIG. “FIG.

“At operation 502, a transaction card is configured using account information. The account information includes the name and account number of the transaction card. The account information for the transaction card account can be accessed on a server computer (e.g. server computer 104 for a bank).

The account information can be added to the transaction card when it is issued. You can also configure the transaction card with account information other times. For example, if your account information has been compromised or if you have an expiration date.

“At operation 504, account information is stored on the transaction cards and the card is activated. In some embodiments the account information is written on the transaction card to a dynamic magnetic stripe. Other embodiments, such as when the transaction is contactless, write the account information to a nonvolatile memory device.

The transaction card can be used to make transactions using the account. The transaction card can be used in the same way as a standard transaction cards. It has a transaction account number and other information. The activated transaction can be used in a POS machine to make purchases with the activated card.

“At operation 506, the identity of the user or wearer of the AR device can be obtained. The identity can be obtained using a biometric authentication method, such as facial recognition or retinal scan, voiceprint analysis, finger print scan, voice print analysis, or voice print analysis. Software that can be used to identify the AR device user or wearer from profile information stored on it is part of the AR device.

“At operation 508, a wearer or user is authenticated. Authentication is the process of verifying that the AR device’s wearer or user is authenticated. The authentication blocks unauthorized persons from accessing the transaction card account information associated to the numberless transaction cards. The authentication can be done on the AR device in some cases. Other implementations require that the authentication be performed on a server computer. For example, server computer 104.

“Identification information for the user or wearer of the AR device is transmitted from the AR device to a server computer when authentication is enabled on that computer. The server computer compares the identity with any profile information stored on the server or accessible from the server. The server computer may receive identification information from the following methods: facial recognition, voice print analysis, finger print scan, voiceprint analysis, and retinal scan.

“At operation510, transaction card account details are displayed on the AR device. The AR device may project the information into space behind the transaction card in some embodiments. The information usually includes an account number, a name and expiration date, as well as a CVV code. You may also see other information. An account balance, and/or the amount of credit available for the transaction card account might be displayed. The AR device can only view the information virtualy, so only the user or wearer of the AR device can see it. The transaction card does not display the information and any other AR device user that might view it or may be looking at the AR device’s shoulder may not see the information.

“FIG. “FIG. 6” shows a flowchart for configuring and using 600 to store a plurality transaction card accounts.

“At operation 602, a transaction card is configured using account information. The account information includes names and account numbers of one or more transaction cards that can be activated for the transaction. Transaction card accounts are accounts that have been approved and opened for users. The account information for transaction card accounts can be accessed on a server computer (e.g. server computer 104 for a financial institution like a bank).

“In some embodiments, the transaction cards are configured using a user interface on a digital dashboard as shown in FIG. 4. You can view the digital dashboard on any electronic device, such as a smartphone or tablet computer, or even on your home computer. The digital dashboard allows you to create a transaction card by entering the names and account numbers of each card. The names and account numbers may be sent to the server computer in some instances. The transaction card is associated with the names and account numbers by the server computer. Alternativly, the account numbers and names can be stored locally on AR device106.

“At operation 604, an AR device is activated by a command. The AR device can be a smart-glass type headset, such as Google Glass. Although the command can be verbally issued by the AR device user or wearer, other types of commands are also possible. The command will identify the transaction card account that needs to be activated. The digital dashboard can identify the transaction card by entering the name of the card or an alias for it.

“At operation 606, the identity of the user or wearer of the AR device can be obtained. The identity can be obtained using a biometric authentication method, such as facial recognition or retinal scan, voiceprint analysis, finger print scan, or voice print analysis. Software that can be used to identify the AR device user or wearer from profile information stored on it is part of the AR device.

“At operation 608, authentication is performed. Authentication is the process of verifying that the AR device’s wearer or user is authenticated. The authentication blocks unauthorized persons from accessing the transaction card account information associated to the numberless transaction cards. The authentication can be done on the AR device in some cases. Other implementations require that the authentication be done on a server computer. For example, server computer 104. The authentication process is performed on the server computer. This means that the AR device sends identification information to the server computer. The server computer compares the identity with any profile information stored on the server or accessible from the server. The server computer may receive identification information from the following methods: facial recognition, voice print analysis, finger print scan, voiceprint analysis, and retinal scan.

“At operation610, after authentication of the user or wearer of the AR device, a transaction account associated with the command on the transaction card is activated. The AR device allows the user to view the activated account number, as well as the CVV and expiration dates, on the transaction card. The AR device sends a signal to the transaction card to activate the card’s transaction card account. The transaction card receives the signal via wireless communication. The signal contains information that identifies the transaction card account to activate. The information can be used in some cases to identify the transaction account that will be activated using a dynamic magnetic stripe attached to the transaction card. The account information stored on the dynamic magnetic stripe is for one or more transaction card accounts. The information can also be used to control the signal sent from the near-field communication device attached to the payment card.

The transaction card can be used to make transactions using the account. The transaction card can be used in the same way as a standard transaction cards. It has a transaction account number and other information. The activated transaction can be used in a POS machine to make purchases with the activated card.

“At operation 612 the transaction card account information can be displayed on an AR device. The AR device may project the information into space behind the transaction card in some embodiments. The information usually includes an account name, a number, expiration date, and a code CVV. You may also see other information. An account balance, and/or the amount of credit available for the transaction card account might be displayed. The AR device can only view the information virtualy, so only the user or wearer of the AR device can see it. The transaction card does not display the information and any other AR device user that might view it or may be looking at the AR device’s shoulder may not see the information.

“As shown in FIG. 7 The AR device 106 has at least one central processor unit (CPU?), as illustrated in FIG. 702, a system-memory 708, and a 722 system bus that links the 708 system memory to the 702 CPU 702. System memory 708 contains a random access memory (??RAM?). 710, and a read only memory (?ROM?) 712. The ROM 712 contains a basic input/output program that allows information to be transferred between elements of the AR device 106. This includes routines used during startup. A mass storage device 714 is also included in the AR device 106. The mass storage device 714 can store data and software instructions. Similar to FIG. 7, a central processing unit, system memories and mass storage devices are shown. 7 are also included with server computer 104.”

“The mass storage device 714 connects to the CPU 702 via a mass controller (not shown), connected to system bus 722. The AR device 106 is provided non-volatile and non-transitory storage by the mass storage device 714. While computer-readable media storage media is described herein as a mass storage device such as a hard drive or solid state disk it should be understood by those skilled in art that any non-transitory physical device or article can be used to store data or instructions.

Computer-readable media can be volatile or non-volatile media, removable or non-removable media, and are used in any technology or method for storing information, such as computer-readable instructions, data structures and program modules, or other data. Examples of computer-readable media include RAM, ROM EPROM, Flash Memory or Other Solid State Memory Technology, CD-ROMs, digital versatile disks (?DVDs), and others. Other optical storage media, magnetic cassettes and magnetic tape, magnetic disc storage, or other magnetic storage devices are all examples of computer-readable data storage media.

According to different embodiments of the invention, an AR device 106 can operate in a networked environment by using logical connections with remote network devices via the network 720. This could include a wireless network, Internet or another type network. An AR device 106 can connect to the network 702. This unit 704 is connected to the system bus 722. The network interface unit 704 can also be used to connect to remote computing systems and other networks. An input/output control 706 is included in the AR device 106. This controller can receive and process input from various devices, such as a touch screen display screen or other types of input devices. The input/output control 706 can also be used to output to a touch interface display screen or another type of output device.

“As we have already mentioned, the RAM 710 and the mass storage device 714 of the AR device106 can store data and software instructions. Software instructions can be used to control the AR device 106 using an operating system 718. The RAM 710 and/or 714 also contain software instructions that, when executed by CPU 702, cause AR device 106’s functionality to be provided. The RAM 710 and/or 714 can store software instructions which, when executed by CPU 702, cause AR device 106’s display screen to show received financial data.

“Although there are many embodiments described in this document, people of ordinary skill will be able to see that many modifications can be made within the scope the present disclosure.” The examples given do not limit the scope of disclosure.

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