U.S. patent application number 16/252268 was filed with the patent office on 2019-07-11 for electronic wallet device for business transactions.
The applicant listed for this patent is Capital One Services, LLC. Invention is credited to Adam KOEPPEL, James ZARAKAS.
Application Number | 20190213582 16/252268 |
Document ID | / |
Family ID | 65011493 |
Filed Date | 2019-07-11 |
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United States Patent
Application |
20190213582 |
Kind Code |
A1 |
KOEPPEL; Adam ; et
al. |
July 11, 2019 |
ELECTRONIC WALLET DEVICE FOR BUSINESS TRANSACTIONS
Abstract
An example device may include a plurality of card slots
configured to hold at least two transaction cards, each card slot,
of the plurality of card slots, including a card reader, one or
more memories; and one or more processors, communicatively coupled
to the one or more memories, to receive transaction information
associated with a transaction at a transaction terminal; identify
business information associated with the transaction; select a
transaction card from the at least two transaction cards based on
the transaction information and the business information; and
provide a transaction token, associated with the selected
transaction card, to be used in connection with the transaction
terminal to process the transaction.
Inventors: |
KOEPPEL; Adam; (Washington,
DC) ; ZARAKAS; James; (Centreville, VA) |
|
Applicant: |
Name |
City |
State |
Country |
Type |
Capital One Services, LLC |
McLean |
VA |
US |
|
|
Family ID: |
65011493 |
Appl. No.: |
16/252268 |
Filed: |
January 18, 2019 |
Related U.S. Patent Documents
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Application
Number |
Filing Date |
Patent Number |
|
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15866850 |
Jan 10, 2018 |
10185955 |
|
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16252268 |
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Current U.S.
Class: |
1/1 |
Current CPC
Class: |
G06Q 20/405 20130101;
G06Q 20/3278 20130101; G06Q 30/06 20130101; G06Q 20/3224 20130101;
G06Q 20/105 20130101; G06Q 20/3674 20130101 |
International
Class: |
G06Q 20/36 20060101
G06Q020/36; G06Q 30/06 20060101 G06Q030/06; G06Q 20/10 20060101
G06Q020/10; G06Q 20/32 20060101 G06Q020/32 |
Claims
1. A method, comprising: receiving, by an electronic wallet device,
a wireless card read request associated with a transaction at a
transaction terminal; automatically selecting, by the electronic
wallet device, a transaction card from at least two transaction
cards located in respective slots of a plurality of card slots
based on at least one of: location information associated with a
location of the transaction, or transaction information associated
with the transaction; generating, by the electronic wallet device,
a transaction token, associated with the selected transaction card,
to be used in connection with the transaction terminal, the
transaction token being generated based on a read of the
transaction card via a card reader associated with a respective
card slot holding the selected transaction card; and communicating,
by the electronic wallet device, the transaction token to the
transaction terminal to process the transaction without removing
the selected transaction card from the respective card slot.
2. The method of claim 1, where the transaction information
comprises: a merchant identifier indicating a type of merchant that
is associated with the transaction.
3. The method of claim 1, further comprising: identifying business
information associated with the transaction; and automatically
selecting the transaction card from the at least two transaction
cards based on the business information.
4. The method of claim 3, where the business information includes
at least one of: information associated with a calendar event, a
message, authorization information for a business transaction, or
location information.
5. The method of claim 3, further comprising: identifying the
business information based on a time period, the business
information being included within at least one of: a calendar event
occurring during the time period, or a message indicating a time
within the time period.
6. The method of claim 3, further comprising: sending a request for
the business information, to a user device, based on detecting the
transaction pending at the transaction terminal, where the business
information is to be received from the user device.
7. The method of claim 3, where identifying the business
information comprises: identifying the business information from at
least one of: a user device, a user input of the electronic wallet
device, or a cloud computing environment.
8. An electronic wallet device, comprising: a plurality of card
slots configured to hold at least two transaction cards, each card
slot, of the plurality of card slots, including a card reader; one
or more memories; and one or more processors, communicatively
coupled to the one or more memories, to: receive a wireless card
read request associated with a transaction at a transaction
terminal; automatically select a transaction card from the at least
two transaction cards located in respective slots of the plurality
of card slots based on location information associated with a
location of the transaction; and generate a transaction token,
associated with the selected transaction card, to be used in
connection with the transaction terminal, the transaction token
being generated based on a read of the selected transaction card
via a card reader associated with a respective card slot holding
the selected transaction card; and communicate the transaction
token to the transaction terminal to process the transaction
without removing the selected transaction card from the respective
card slot.
9. The electronic wallet device of claim 8, where the transaction
token is one or more of: a key, a code, or security data.
10. The electronic wallet device of claim 8, where the one or more
processors are further to: identify business information associated
with the transaction; and where the one or more processors, when
automatically selecting the transaction card from the at least two
transaction cards, are further to: automatically select the
transaction card from the at least two transaction cards based on
the location information and the business information.
11. The electronic wallet device of claim 10, where the business
information comprises: information associated with a calendar event
indicating that the transaction is associated with a business
transaction, and where the one or more processors, when
automatically selecting the transaction card from the at least two
transaction cards, are to: automatically select a business
transaction card, from the at least two transaction cards, that is
designated for the business transaction.
12. The electronic wallet device of claim 10, further comprising: a
user device interface, and where the one or more processors are
further to: obtain the business information from a user device via
the user device interface.
13. The electronic wallet device of claim 10, where the one or more
processors are further to: obtain the business information via a
user device in communication with the electronic wallet device.
14. The electronic wallet device of claim 10, where the one or more
processors, when automatically selecting the transaction card from
the at least two transaction cards, are further to: determine, from
the business information and transaction information associated
with the transaction, that the transaction is a business
transaction; identify that one of the at least two transaction
cards is designated for business transactions; and automatically
select the one of the at least two transaction cards as the
transaction card based on identifying that one of the at least two
transaction cards is designated for business transactions.
15. A non-transitory computer-readable medium storing one or more
instructions, the one or more instructions comprising: one or more
instructions that, when executed by one or more processors, cause
the one or more processors to: receive a wireless card read request
associated with a transaction at a transaction terminal;
automatically select a transaction card from at least two
transaction cards located in respective slots of a plurality of
card slots of an electronic wallet device based on at least one of:
location information associated with a location of the transaction,
business information, or transaction information associated with
the transaction; generate a transaction token, associated with the
selected transaction card, to be used in connection with the
transaction terminal, the transaction token being generated based
on a read of the selected transaction card via a card reader
associated with a respective card slot holding the selected
transaction card; and communicate, by the electronic wallet device,
the transaction token to the transaction terminal to process the
transaction without removing the selected transaction card from the
respective card slot.
16. The non-transitory computer-readable medium of claim 15, where
the transaction information comprises: a merchant identifier
indicating a type of merchant that is associated with the
transaction terminal.
17. The non-transitory computer-readable medium of claim 15,
further comprising: obtaining the business information from at
least one of: a user device, a user input of the electronic wallet
device, or a cloud computing environment.
18. The non-transitory computer-readable medium of claim 15, where
the business information includes at least one of: a calendar
event, a message, authorization information for a business
transaction, or location information.
19. The non-transitory computer-readable medium of claim 17, where
the business information is identified based on a time period, the
time period being associated with at least one of: a calendar
event, or a message indicating a time within the time period.
20. The non-transitory computer-readable medium of claim 17,
wherein the one or more instructions, when executed by the one or
more processors, further cause the one or more processors to: send
a request for the business information, to the user device, based
on detecting the transaction pending at the transaction terminal,
where the business information is to be received from the user
device.
Description
RELATED APPLICATION
[0001] This application is a continuation of U.S. patent
application Ser. No. 15/866,850, filed Jan. 10, 2018 (now U.S. Pat.
No. 10,185,955), which is incorporated herein by reference.
BACKGROUND
[0002] Transaction cards (e.g., credit cards, debit cards, gift
cards, automated teller machine (ATM) cards, rewards cards or
client loyalty cards, and/or the like) and/or devices (e.g., a
smart transaction card, a smartphone, and/or the like) may be used
in transactions to pay for products or services at transaction
terminals (e.g., point of sale (PoS) terminals) of individuals or
businesses engaged in the sale of goods or services. The
transaction cards may include an integrated circuit (IC) chip to
improve security with respect to use of the transaction card.
Utilizing such "chip cards" requires physically inserting the cards
into a card reader. The integrated circuits may include a secure
element, which is required in order to validate and/or authenticate
a transaction utilizing the chip card. Newer card readers may use
contactless technologies, such as near field communication (NFC) or
Bluetooth Low Energy (BLE) technologies and/or the like, to allow
communications between the transaction terminal and a transaction
card, with attendant advantages. Many existing chip cards are not
compatible with such contactless payment terminals.
SUMMARY
[0003] According to some implementations, an electronic wallet
device may include a plurality of card slots configured to hold at
least two transaction cards, each card slot, of the plurality of
card slots, including a card reader, one or more memories; and one
or more processors, communicatively coupled to the one or more
memories, to receive transaction information associated with a
transaction at a transaction terminal; identify business
information associated with the transaction; select a transaction
card from the at least two transaction cards based on the
transaction information and the business information; and provide a
transaction token, associated with the selected transaction card,
to be used in connection with the transaction terminal to process
the transaction.
[0004] According to some implementations, a non-transitory
computer-readable medium storing instructions, that, when executed
by one or more processors of an electronic wallet device, may cause
the one or more processors to receive transaction information
associated with a transaction at a transaction terminal; identify
business information associated with a time period of the
transaction; identify a set of candidate transaction cards to be
used for the transaction, the set of candidate transaction cards
comprising respective integrated circuit (IC) chips that are
communicatively coupled with a card reader of the electronic wallet
device; select a transaction card from the set of candidate
transaction cards, the transaction card being selected based on the
business information; and provide a transaction token, associated
with the transaction card, to the transaction terminal.
[0005] According to some implementations, a method may include
detecting, by an electronic wallet device, a transaction pending at
a transaction terminal, the electronic wallet device holding at
least two transaction cards; obtaining, by the electronic wall
device, business information associated with a time period of the
transaction; selecting, by the electronic wallet device, a
transaction card from the at least two transaction cards, the
transaction card being selected based on at least one of: the
business information, or transaction information associated with
the transaction; 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.
BRIEF DESCRIPTION OF THE DRAWINGS
[0006] FIGS. 1A-1C are diagrams of an overview of an example
implementation described herein;
[0007] FIG. 2 is a diagram of an example environment in which
systems and/or methods, described herein, may be implemented;
[0008] FIG. 3 is a diagram of example components of one or more
devices of FIG. 2;
[0009] FIG. 4 is a flow chart of an example process that may be
implemented in association with an electronic wallet device
described herein;
[0010] FIG. 5 is a flow chart of an example process that may be
implemented in association with a smart transaction card and an
electronic wallet device described herein;
[0011] FIG. 6 is a flow chart of an example process that may be
implemented in association with a user device and an electronic
wallet device described herein;
[0012] FIGS. 7A-7C are diagrams of an example implementation
relating to example processes shown in FIGS. 4, 5, and/or 6;
[0013] FIGS. 8A-8C are diagrams of an example implementation
relating to example processes shown in FIGS. 4, 5, and/or 6;
and
[0014] FIGS. 9-12 are diagrams of example implementations of an
electronic wallet device described herein.
DETAILED DESCRIPTION
[0015] The following detailed description of example
implementations refers to the accompanying drawings. The same
reference numbers in different drawings may identify the same or
similar elements.
[0016] Transaction cards may be used to facilitate processing
transactions at transaction terminals (e.g., point of sale (PoS)
terminals, automated teller machine (ATM) terminals, access
terminals (e.g., locking mechanisms for gates, doors, rooms, and/or
the like), reward redemption terminals, and/or the like). In many
instances, consumers may have accounts with multiple entities
(e.g., financial institutions (e.g., banks), merchants, card
associations, and/or the like) and/or may have accounts for
multiple purposes (e.g., business purposes, specific types of
business purposes, personal purposes, and/or the like).
Accordingly, consumers may carry multiple transaction cards while
utilizing the transaction cards in transactions (e.g., purchasing
goods or services, redeeming loyalty/rewards points, redeeming
store credit/gift cards, and/or the like). In some instances,
consumers may prefer to use particular cards for particular goods
or services of a transaction based on business uses associated with
the transaction cards (e.g., expensing transactions, inventory
purchases, and/or the like) and/or transaction information
associated with the transaction (e.g., merchant identifier
indicating a type of merchant involved in the transaction, a
monetary value of the transaction, location information
corresponding to a location of the transaction, a currency used in
the transaction, and/or the like).
[0017] Some implementations, disclosed herein, provide an
electronic wallet device to facilitate processing transactions at a
transaction terminal (e.g., a point of sale (PoS) terminal). The
electronic wallet device may receive transaction cards (e.g., by a
user inserting the transaction cards into card slots of the
electronic wallet device) that may be used in the transactions. The
electronic wallet device may allow communication of a transaction
token from one or more of the transaction cards to the transaction
terminal to facilitate the transaction, either directly or
indirectly. In some implementations, the electronic wallet device
may select a transaction card from a plurality of transaction cards
inserted into the electronic wallet device to communicate a
transaction token to the transaction terminal for the transaction
based on transaction information associated with the transaction
terminal, based on business information associated with the
transaction or transaction card, based on user input, and/or the
like.
[0018] Accordingly, some implementations described herein enable
consumers to utilize a single device (i.e., an electronic wallet
device) to facilitate transactions between transaction terminals
and a plurality of transaction cards (e.g., rather than the
consumer individually selecting and physically using the
transaction cards at the transaction terminals). For example, the
electronic wallet device may provide or communicate transaction
tokens associated with the transactions cards to transaction
terminals without consumers removing the transaction cards from the
electronic wallet device. Furthermore, some implementations herein
may enable automatic selection of an appropriate transaction card
based on transaction information associated with the transaction
and/or transaction terminal (e.g., merchant type, transaction type,
monetary value of transaction, location information corresponding
to a location of transaction, and/or the like) and/or business
information associated with the transaction (e.g., calendar
information associated with the transaction, message information
associated with the transaction, authorization information for the
transaction, and/or the like). Further, some implementations herein
may provide an enhanced experience for consumers when engaging in
transactions by enabling consumers to avoid selecting a transaction
card to be used that ultimately may cause a consumer to use a
personal card rather than a business card, perhaps resulting in an
inability to expense a transaction. Additionally, consumers, using
an electronic wallet device described herein, may avoid shuffling
through multiple transaction cards and/or personal items to find a
business transaction card for a business transaction and/or a
personal transaction card for a personal transaction. According to
some implementations, transaction errors or failures may be avoided
using an electronic wallet device as the electronic wallet device
may avoid selecting or using transaction cards, for a transaction,
that may be declined (e.g., by determining that a particular
transaction may result in credit limits of accounts of the
transaction cards to be reached or exceeded), thus saving network
resources and/or transaction terminal resources.
[0019] FIGS. 1A-1C are diagrams of an overview of an example
implementation 100 described herein. In example implementation 100
of FIGS. 1A-1C an electronic wallet device is used in a transaction
with a transaction terminal. In FIGS. 1A-1C, the electronic wallet
device holds transaction cards that may be used in the transaction
without being removed from the electronic wallet device.
[0020] As shown in FIG. 1A, and by reference number 110, the
transaction cards 1-3 are inserted into the electronic wallet
device. For example, a consumer may insert the transaction cards
into card slots of the electronic device by sliding the transaction
cards into the card slots until integrated circuit (IC) chips
(e.g., a EUROPAY.RTM., MASTERCARD.RTM., VISA.RTM. (EMV) chip) of
the transaction cards are in electrical contact with contacts of
the electronic wallet device. As shown by reference number 120,
information associated with the transaction cards may be obtained
by the electronic wallet device. For example, a hub of the
electronic wallet device may obtain card information and/or
business information associated with the transaction card. More
specifically, the hub may obtain balance information associated
with an account of the transaction card, credit limit information
associated with an account of the transaction card, information
indicating that the transaction card is to be used for business
transactions, information indicating that the transaction card is
not to be used for business transactions, information associated
with one or more spend thresholds (e.g., per diems) of the
transaction card, and/or the like. In some implementations, the
electronic wallet device of example implementation 100 may obtain
the information from a user input, from a device in communication
with the electronic wallet device (e.g., a computer, a smartphone,
and/or the like), via a network accessible to the device, and/or
the like. In some implementations, the electronic wallet device may
store the information associated with the transaction cards in the
hub (e.g., in a data store of the hub).
[0021] As shown in FIG. 1B, and by reference number 130, a smart
transaction card associated with the electronic wallet device may
be used to facilitate processing a transaction at a travel merchant
transaction terminal. For example, the smart transaction card may
be associated with the electronic wallet device by being
communicatively coupled with the electronic wallet device (e.g.,
via a wired or wireless communication link, such as a Bluetooth
communication link, a Bluetooth low energy (BLE) communication
link, a Wi-Fi communication link, and/or the like). The smart
transaction card may engage in the transaction via an integrated
circuit (IC) chip of the smart transaction card (e.g., by being
inserted into a card reader of the transaction terminal), via a
magnetic strip of the smart transaction card (e.g., by being
swiped), via a radio frequency (RF) antenna (e.g., via a near field
communication (NFC) with the transaction terminal), and/or the
like. As shown by reference number 140, the smart transaction card
notifies the electronic wallet device of the pending transaction
(e.g., via a transaction notification message) and provides a
merchant identifier associated with the transaction terminal. For
example, the smart transaction card may provide a merchant
identifier indicating that the transaction is with a transaction
merchant.
[0022] As shown in FIG. 1C, and by reference number 150, the
electronic wallet device obtains business information from a user
device. The user device may be communicatively coupled (e.g., via a
wired or wireless communication link, such as a Bluetooth
communication link, a Bluetooth low energy (BLE) communication
link, a Wi-Fi communication link, and/or the like) with the user
device to obtain the business information. Such business
information may include calendar information (e.g., from a calendar
application the user device), message information (e.g., from a
messaging application of the user device), authorization
information (e.g., from an application associated with the
electronic wallet indicating allowable business transactions (e.g.,
based on merchant identifier, based on timing, based on
geographical location, and/or the like)), location information,
and/or the like.
[0023] As shown by reference number 160, the electronic wallet
device may select a business transaction card or non-business
transaction card (e.g., a personal transaction card) for the
transaction from transaction cards 1-3. For example, because the
merchant identifier of the transaction indicates that the
transaction is with a travel merchant (which may commonly be an
expensable business transaction), the electronic wallet device may
determine whether the business information from the user device
indicates travel plans associated with a business. For example, a
business calendar of a consumer of the electronic wallet device
and/or user device may indicate that that the user is to be
traveling at the time of the transaction. As such, the electronic
wallet device may select a business transaction card from
transaction cards 1-3 (e.g., one of transaction cards 1-3 that may
be designated as a business transaction card). On the other hand,
if the business information from user device does not indicate
business related travel at or near the time of the transaction, the
electronic wallet may select a non-business transaction card from
the transaction cards 1-3 in the electronic wallet device.
[0024] As further shown in FIG. 1C, and by reference number 170,
the electronic wallet device communicates the transaction token of
the selected transaction card to the smart transaction card. For
example, the electronic wallet device may communicate the
transaction token via a communication link with the smart
transaction card. As shown by reference number 180, the smart
transaction card provides the transaction token to the transaction
terminal to facilitate processing the transaction using funds from
an account associated with the selected transaction card.
[0025] As illustrated in example implementation 100 of FIGS. 1A-1C,
User A, when purchasing travel arrangements at a transaction
terminal, may utilize an electronic wallet to provide a transaction
token from a transaction card of the electronic wallet.
Furthermore, the electronic wallet device may effectively select an
appropriate transaction card for the transaction based on business
information associated with User A and/or the transaction as
indicated by the merchant identifier. Accordingly, User A may have
an enjoyable transaction experience without needing to determine
which transaction card is to be used for a particular transaction
or having to shuffle through User A's multiple transaction cards or
personal items to find an appropriate business transaction card or
non-business transaction card.
[0026] As indicated above, FIGS. 1A-1C are provided merely as an
example. Other examples are possible and may differ from what was
described with regard to FIGS. 1A-1C.
[0027] FIG. 2 is a diagram of an example environment in which
systems and/or methods, described herein, may be implemented. As
shown in FIG. 2, environment 200 may include an electronic wallet
device 210, a smart transaction card 220, a transaction terminal
230, a user device 240, a network 250, a transaction backend 260,
and a cloud computing environment 270 that hosts a business
platform 280. In environment 200, electronic wallet device 210,
smart transaction card 220, transaction terminal 230, and/or user
device 240 may communicate data, between one another, that is
associated with or related to a transaction with transaction
terminal 230, which facilitates processing the transaction through
communication with transaction backend 260 via network 250. Devices
of environment 200 may interconnect via wired connections, wireless
connections, or a combination of wired and wireless
connections.
[0028] Electronic wallet device 210 includes a device that may
receive or dock transaction cards (e.g., credit cards, debit cards,
access cards, client loyalty cards, gift cards, and/or the like).
Electronic wallet device 210 may include one or more card slots
configured to hold the transaction cards. Each card slot, of the
one or more card slots, may include a card reader (e.g., a chip
reader). Electronic wallet device 210 may include a switching
component that enables electronic wallet device 210 to obtain
transaction tokens and/or information (e.g., card identification
information) from transaction cards in electronic wallet device 210
and/or provide the transaction tokens and/or information to
components of environment 200. An example switching component may
include a conductive link (e.g., a trace, a wired connection,
and/or the like) and/or one or more switches. In some
implementations, electronic wallet device 210 may include a hub
with a processor and/or a communication interface (e.g., a
Bluetooth interface, BLE interface, a Wi-Fi interface, a NFC
interface, a cellular communication interface, and/or the like).
For example, the hub may facilitate communication between
electronic wallet device 210 and the components of environment 200.
In some implementations, electronic wallet device 210 may be
modular in that components of electronic wallet device 210 (e.g.,
card slots, a hub, a switching component, and/or the like) may be
added and/or removed from electronic wallet device 210 to enable
electronic wallet device 210 to be adjustable and/or to hold more
or less transaction cards, to increase or decrease the
functionality of electronic wallet device 210, and/or the like.
[0029] Smart transaction card 220 includes a transaction card
capable of communicating with the components of environment 200
(e.g., via Bluetooth communication, BLE communication, Wi-Fi
communication, NFC session, and/or the like). Smart transaction
card 220 is capable of communicating data for a transaction with
transaction terminal 230. For example, smart transaction card 220
may communicate data including a transaction token, transaction
card identification information (e.g., an account identifier, a
cardholder identifier, and/or the like), account information,
banking information, transaction information (e.g., a transaction
token), and/or the like associated with transaction cards held in
electronic wallet device 210. For example, to communicate the data,
smart transaction card 220 may include a magnetic strip and/or an
integrated circuit (IC) chip (e.g., a EUROPAY.RTM.,
MASTERCARD.RTM., VISA.RTM. (EMV) chip). Smart transaction card 220
may include an antenna to communicate data associated with smart
transaction card 220. The antenna may be a passive RF antenna, an
active RF antenna, and/or a battery-assisted RF antenna.
[0030] In some implementations, smart transaction card 220 may
communicate data associated with transaction terminal 230 to
electronic wallet device 210 and/or user device 240. For example,
after an interaction with transaction terminal 230 that may engage
in a transaction (e.g., after smart transaction card 220 is swiped
through a magnetic strip reader, after smart transaction card 220
is inserted into a card reader of transaction terminal 230, after
smart transaction card 220 has an NFC session with transaction
terminal 230, and/or the like), smart transaction card 220 may
obtain transaction information from transaction terminal 230. For
example, transaction terminal 230 may obtain and/or provide
transaction information including information associated with an
entity that owns or operates the transaction terminal, such as a
merchant identifier, acceptable forms of payment, acceptable types
of transaction cards, a monetary value associated with the
transaction (e.g., an amount or value of funds to be exchanged in
the transaction), a location information corresponding to a
location of the transaction (e.g., a geographical region, country,
and/or the like), and/or the like. Such transaction information may
be used by electronic wallet device 210 to select a transaction
card (and/or an account associated with a transaction card) held in
electronic wallet device 210 that is to be used in the transaction
(e.g., by providing a transaction token to transaction terminal
230).
[0031] Transaction terminal 230 includes one or more devices
capable of receiving, generating, storing, processing, and/or
providing information associated with facilitating a transaction (a
PoS transaction). For example, transaction terminal 230 may include
a communication device and/or computing device capable of receiving
data from smart transaction card 220 and/or a transaction card of
electronic wallet device 210 and processing a transaction based on
the data. In some implementations, transaction terminal 230 may
include a desktop computer, a laptop computer, a tablet computer, a
handheld computer, and/or a mobile phone (e.g., a smart phone, a
radiotelephone, and/or the like). Transaction terminal 230 may be
owned and/or operated by one or more individuals or businesses
engaged in a sale of goods or services (e.g., one or more
merchants, vendors, service providers, and/or the like). In some
implementations, after an interaction with smart transaction card
220 and/or a transaction card, transaction terminal 230 may provide
or indicate transaction information associated with a transaction
to smart transaction card 220 and/or the transaction card. For
example, transaction terminal 230 may indicate a merchant
identifier, acceptable forms of payment for the transaction,
acceptable types of transaction cards that may be used in the
transaction, a monetary value associated with the transaction, a
currency used in the transaction, location information
corresponding to a location of the transaction, and/or the
like.
[0032] Transaction terminal 230 includes one or more devices to
facilitate processing a transaction via a transaction card and/or
smart transaction card 220. Transaction terminal 230 may include a
PoS terminal, a security access terminal, an ATM terminal, and/or
the like. Transaction terminal 230 may include one or more input
devices and/or output devices to facilitate obtaining transaction
card data from smart transaction card 220 and/or from an
interaction or authorization from a cardholder of smart transaction
card 220. Example input devices of transaction terminal 230 may
include a number keypad, a touchscreen, a magnetic strip reader, a
chip reader, and/or an RF signal reader. A magnetic strip reader of
transaction terminal 230 may receive transaction card data as a
magnetic strip of smart transaction card 220 is swiped along the
magnetic strip reader. A chip reader of transaction terminal 230
may receive transaction card data from an IC chip (e.g., an EMV
chip) of smart transaction card 220 when the chip is
communicatively coupled with the chip reader. An RF signal reader
of transaction terminal 230 may enable contactless transactions
from smart transaction card 220 by obtaining transaction card data
wirelessly from smart transaction card 220 as smart transaction
card 220 comes within a range of transaction terminal 230 that the
RF signal reader may detect an RF signal from an RF antenna of
smart transaction card 220. Example output devices of transaction
terminal 230 may include a display device, a speaker, a printer,
and/or the like.
[0033] User device 240 includes one or more devices capable of
receiving, generating, storing, processing, and/or providing
information associated with facilitating a transaction using
transaction cards of electronic wallet device 210 in accordance
with some implementations herein. For example, user device 240 may
include a communication and/or computing device, such as a mobile
phone (e.g., a smart phone, a radiotelephone, and/or the like), a
laptop computer, a tablet computer, a handheld computer, a gaming
device, a wearable communication device (e.g., a smart wristwatch,
a pair of smart eyeglasses, and/or the like), or a similar type of
device. In some implementations, user device 240 may be configured
to communicate with electronic wallet device 210 to provide
business information associated with a consumer and/or a time
period of a transaction.
[0034] Network 250 includes one or more wired and/or wireless
networks. For example, network 250 may include a cellular network
(e.g., a long-term evolution (LTE) network, a code division
multiple access (CDMA) network, a 3G network, a 4G network, a 5G
network, another type of next generation network, and/or the like),
a public land mobile network (PLMN), a local area network (LAN), a
wide area network (WAN), a metropolitan area network (MAN), a
telephone network (e.g., the Public Switched Telephone Network
(PSTN)), a private network, an ad hoc network, an intranet, the
Internet, a fiber optic-based network, a cloud computing network,
and/or the like, and/or a combination of these or other types of
networks.
[0035] Transaction backend 260 includes one or more devices capable
of authorizing and/or facilitating a transaction. For example,
transaction backend 260 may include one or more servers and/or
computers to store and/or provide information (e.g.,
authorizations, balances, transaction tokens, security information,
account information, and/or the like) associated with processing a
transaction via transaction terminal 230.
[0036] Transaction backend 260 may include one or more devices
associated with financial institutions (e.g., banks, credit unions,
and/or the like) and/or transaction card associations that
authorize the transaction and/or facilitate a transfer of funds or
payments between an account of a cardholder of smart transaction
card 220 and an account of an individual or business of transaction
terminal 230. For example, transaction backend 260 may include one
or more devices of one or more issuing financial institutions
associated with a cardholder of transaction cards in electronic
wallet device 210, one or more devices of one or more acquiring
financial institutions (or merchant banks) associated with
transaction terminal 230, and/or one or more devices associated
with one or more card associations (e.g., VISA.RTM.,
MASTERCARD.RTM., and/or the like) associated with transaction cards
of electronic wallet device 210. Accordingly, in response to
receiving transaction card data associated with transaction cards
of electronic wallet device 210 from transaction terminal 230,
various financial institutions and/or card associations of
transaction backend 260 may communicate to authorize the
transaction and/or transfer funds between the accounts associated
with transaction cards of electronic wallet device 210 and/or
transaction terminal 230.
[0037] Transaction backend 260 may include one or more devices
associated with a rewards program associated with transaction cards
in electronic wallet device 210 and/or an entity (e.g., a bank, a
merchant, a service provider, a vendor, and/or the like) associated
with transaction cards in electronic wallet device 210 and/or an
entity associated with transaction terminal 230. For example,
transaction backend 260 may authorize earning and/or redeeming of
rewards (e.g., rewards points associated with transaction cards in
electronic wallet device 210, cash rewards, client loyalty rewards
associated with an entity associated with transaction terminal 230,
and/or the like) based on a transaction processed by transaction
terminal 230 with smart transaction card 220 and/or transaction
cards in electronic wallet device 210.
[0038] Cloud computing environment 270 includes an environment that
delivers computing as a service, whereby shared resources,
services, etc. may be provided to electronic wallet device 210,
smart transaction card 220, and/or user device 240. Cloud computing
environment 270 may provide computation, software, data access,
storage, and/or other services that do not require end-user
knowledge of a physical location and configuration of a system
and/or a device that delivers the services. As shown, cloud
computing environment 270 may include computing resource 275.
[0039] Computing resource 275 includes one or more personal
computers, workstation computers, server devices, or another type
of computation and/or communication device. In some
implementations, computing resource 275 may host business platform
280. The cloud resources may include compute instances executing in
computing resource 275, storage devices provided in computing
resource 275, data transfer devices provided by computing resource
275, etc. In some implementations, computing resource 275 may
communicate with other computing resources 275 via wired
connections, wireless connections, or a combination of wired and
wireless connections.
[0040] As further shown in FIG. 2, computing resource 275 may
include a group of cloud resources, such as one or more
applications ("APPs") 275-1, one or more virtual machines ("VMs")
275-2, virtualized storage ("VSs") 275-3, one or more hypervisors
("HYPs") 275-4, or the like.
[0041] Application 275-1 includes one or more software applications
that may be provided to or accessed by user device 240. Application
275-1 may eliminate a need to install and execute the software
applications on user device 240. For example, application 275-1 may
include software associated with business platform 280 and/or any
other software capable of being provided via cloud computing
environment 270. In some implementations, one application 275-1 may
send/receive information to/from one or more other applications
275-1, via virtual machine 275-2.
[0042] Virtual machine 275-2 includes a software implementation of
a machine (e.g., a computer) that executes programs like a physical
machine. Virtual machine 275-2 may be either a system virtual
machine or a process virtual machine, depending upon use and degree
of correspondence to any real machine by virtual machine 275-2. A
system virtual machine may provide a complete system platform that
supports execution of a complete operating system ("OS"). A process
virtual machine may execute a single program, and may support a
single process. In some implementations, virtual machine 275-2 may
execute on behalf of a user (e.g., user device 240), and may manage
infrastructure of cloud computing environment 270, such as data
management, synchronization, or long-duration data transfers.
[0043] Virtualized storage 275-3 includes one or more storage
systems and/or one or more devices that use virtualization
techniques within the storage systems or devices of computing
resource 275. In some implementations, within the context of a
storage system, types of virtualizations may include block
virtualization and file virtualization. Block virtualization may
refer to abstraction (or separation) of logical storage from
physical storage so that the storage system may be accessed without
regard to physical storage or heterogeneous structure. The
separation may permit administrators of the storage system
flexibility in how the administrators manage storage for end users.
File virtualization may eliminate dependencies between data
accessed at a file level and a location where files are physically
stored. This may enable optimization of storage use, server
consolidation, and/or performance of non-disruptive file
migrations.
[0044] Hypervisor 275-4 provides hardware virtualization techniques
that allow multiple operating systems (e.g., "guest operating
systems") to execute concurrently on a host computer, such as
computing resource 275. Hypervisor 275-4 may present a virtual
operating platform to the guest operating systems, and may manage
the execution of the guest operating systems. Multiple instances of
a variety of operating systems may share virtualized hardware
resources.
[0045] Business platform 280 includes one or more devices capable
of receiving, generating, storing, processing, and/or providing
information associated with maintaining business information (e.g.,
business information associated with a consumer associated with
electronic wallet device 210). Business platform 280 may include a
server device or a group of server devices. Business platform 280
may be hosted in cloud computing environment 270. Notably, while
implementations described herein describe business platform as
being hosted in cloud computing environment 270, in some
implementations, business platform 280 may not be cloud-based or
may be partially cloud-based. In some implementations, business
platform 280 may include or be associated with a business
enterprise portal that may be accessible to employees or
contractors of an organization of business platform 280.
[0046] The number and arrangement of devices and networks shown in
FIG. 2 are provided as an example. In practice, there may be
additional devices and/or networks, fewer devices and/or networks,
different devices and/or networks, or differently arranged devices
and/or networks than those shown in FIG. 2. Furthermore, two or
more devices shown in FIG. 2 may be implemented within a single
device, or a single device shown in FIG. 2 may be implemented as
multiple, distributed devices. Additionally, or alternatively, a
set of devices (e.g., one or more devices) of environment 200 may
perform one or more functions described as being performed by
another set of devices of environment 200.
[0047] FIG. 3 is a diagram of example components of a device 300.
Device 300 may correspond to electronic wallet device 210, smart
transaction card 220, transaction terminal 230, user device 240,
transaction backend 260, computing resource 275, and/or business
platform 280. In some implementations, electronic wallet device
210, smart transaction card 220, transaction terminal 230, user
device 240, and/or transaction backend 260 may include one or more
devices 300 and/or one or more components of device 300. As shown
in FIG. 3, device 300 may include a bus 310, a processor 320, a
memory 330, a storage component 340, an input component 350, an
output component 360, and a communication interface 370.
[0048] Bus 310 may include a component that permits communication
among the components of device 300. Processor 320 is implemented in
hardware, firmware, or a combination of hardware and software.
Processor 320 is a central processing unit (CPU), a graphics
processing unit (GPU), an accelerated processing unit (APU), a
microprocessor, a microcontroller, a digital signal processor
(DSP), a field-programmable gate array (FPGA), an
application-specific integrated circuit (ASIC), or another type of
processing component. In some implementations, processor 320
includes one or more processors capable of being programmed to
perform a function. Memory 330 includes a random access memory
(RAM), a read only memory (ROM), and/or another type of dynamic or
static storage device (e.g., a flash memory, a magnetic memory,
and/or an optical memory) that stores information and/or
instructions for use by processor 320.
[0049] Storage component 340 stores information and/or software
related to the operation and use of device 300. For example,
storage component 340 may include a hard disk (e.g., a magnetic
disk, an optical disk, a magneto-optic disk, and/or a solid state
memory), a compact disc (CD), a digital versatile disc (DVD), a
floppy disk, a cartridge, a magnetic tape, and/or another type of
non-transitory computer-readable medium, along with a corresponding
drive.
[0050] Input component 350 includes a component that permits device
300 to receive information, such as via user input (e.g., a touch
screen display, a keyboard, a keypad, a mouse, a button, a switch,
and/or a microphone). Additionally, or alternatively, input
component 350 may include a sensor for sensing information (e.g., a
global positioning system (GPS) component, an accelerometer, a
gyroscope, and/or an actuator). Output component 360 includes a
component that provides output information from device 300 (e.g., a
display, a speaker, and/or one or more light-emitting diodes
(LEDs)).
[0051] Communication interface 370 includes a transceiver-like
component (e.g., a transceiver and/or a separate receiver and
transmitter) that enables device 300 to communicate with other
devices, such as via a wired connection, a wireless connection, or
a combination of wired and wireless connections. Communication
interface 370 may permit device 300 to receive information from
another device and/or provide information to another device. For
example, communication interface 370 may include an Ethernet
interface, an optical interface, a coaxial interface, an infrared
interface, a RF interface, a universal serial bus (USB) interface,
a Wi-Fi interface, a cellular network interface, a Bluetooth
interface, a BLE interface, and/or the like.
[0052] Device 300 may perform one or more processes described
herein. Device 300 may perform these processes based on processor
320 executing software instructions stored by a non-transitory
computer-readable medium, such as memory 330 and/or storage
component 340. A computer-readable medium is defined herein as a
non-transitory memory device. A memory device includes memory space
within a single physical storage device or memory space spread
across multiple physical storage devices.
[0053] Software instructions may be read into memory 330 and/or
storage component 340 from another computer-readable medium or from
another device via communication interface 370. When executed,
software instructions stored in memory 330 and/or storage component
340 may cause processor 320 to perform one or more processes
described herein. Additionally, or alternatively, hardwired
circuitry may be used in place of or in combination with software
instructions to perform one or more processes described herein.
Thus, implementations described herein are not limited to any
specific combination of hardware circuitry and software.
[0054] The number and arrangement of components shown in FIG. 3 are
provided as an example. In practice, device 300 may include
additional components, fewer components, different components, or
differently arranged components than those shown in FIG. 3.
Additionally, or alternatively, a set of components (e.g., one or
more components) of device 300 may perform one or more functions
described as being performed by another set of components of device
300.
[0055] FIG. 4 is a flow chart of an example process 400 that may be
implemented in association with an electronic wallet device
described herein. In some implementations, one or more process
blocks of FIG. 4 may be performed by electronic wallet device 210.
In some implementations, one or more process blocks of FIG. 4 may
be performed by another device or a group of devices separate from
or including electronic wallet device 210, such as smart
transaction card 220, transaction terminal 230, user device 240,
and/or transaction backend 260.
[0056] As shown in FIG. 4, process 400 may include receiving
transaction information associated with a transaction at a
transaction terminal (block 410). For example, electronic wallet
device 210 may receive the transaction information from transaction
terminal 230. In some implementations, electronic wallet device 210
may receive the transaction information from smart transaction card
220 and/or user device 240 based on a transaction being initiated
at transaction terminal 230.
[0057] According to some implementations, electronic wallet device
210, smart transaction card 220, and/or user device 240 may obtain
transaction information from transaction terminal 230 via an
interaction with transaction terminal 230. For example, electronic
wallet device 210, smart transaction card 220, and/or user device
240 may receive transaction information from transaction terminal
230 when placed in communication with transaction terminal 230.
Accordingly, electronic wallet device 210 may receive the
transaction information directly from transaction terminal 230
(e.g., via a communication interface of electronic wallet device
210) and/or may receive transaction information indirectly from
transaction terminal 230 via smart transaction card 220 and/or user
device 240.
[0058] In some implementations, electronic wallet device 210 may
receive the transaction information via a communication interface
of the electronic wallet device 210. For example, the communication
interface may enable electronic wallet device 210 to communicate
with transaction terminal 230, with smart transaction card 220,
and/or with user device 240. In some implementations, the
communication interface of electronic wallet device 210 may include
wired and/or wireless communication interfaces. For example,
electronic wallet device 210 may include a terminal interface that
includes an IC chip, magnetic strip, RF antenna and/or the like
that enables electronic wallet device 210 to communicate with an
interface (e.g., a magnetic strip reader, a chip reader, an NFC
session terminal, and/or the like) of transaction terminal 230. In
some implementations, electronic wallet device 210 may include a
wireless communication interface (e.g., a Bluetooth communication
interface, a BLE interface, a Wi-Fi interface, an NFC interface,
and/or the like) to receive or obtain the transaction information
from transaction terminal 230, smart transaction card 220, and/or
user device 240.
[0059] According to some implementations, the transaction
information associated with the transaction may include information
associated with an entity that owns and/or operates transaction
terminal 230. For example, the transaction information may include
a merchant identifier (e.g., information indicating a merchant
category associated with transaction terminal 230), acceptable
forms of payment for the transaction (e.g., credit payments, debit
payments, and/or the like), acceptable types of transaction cards
that may be used in the transaction (e.g., acceptable card
associations that may be used (e.g., VISA.RTM., MASTERCARD.RTM.,
AMERICAN EXPRESS.RTM., DISCOVER.RTM., and/or the like)), a monetary
value associated with the transaction, a currency used in the
transaction, location information corresponding to a location of
the transaction, and/or the like.
[0060] In this way, electronic wallet device 210 may receive
transaction information associated with a transaction at a
transaction terminal that may be used to select a transaction card
to be used in the transaction.
[0061] As further shown in FIG. 4, process 400 may include
identifying business information associated with the transaction at
the transaction terminal (block 420). For example, electronic
wallet device 210 may identify and/or obtain the business
information. In some implementations, electronic wallet device 210
may identify the business information based on receiving
transaction information from transaction terminal 230.
[0062] According to some implementations, business information may
be associated with a transaction based on time, location, and/or
transaction information that may be coincidental to the business
information and the transaction. For example, electronic wallet
device 210 may determine, based on the business information, that a
transaction is a business transaction if the transaction takes
place during a particular time period, at or near a particular
location, with a particular merchant, with a particular type of
merchant, if less (or more) than a particular amount of currency,
and/or the like.
[0063] In some implementations, electronic wallet device 210 may
receive the business information from user device 240, business
platform 280, and/or a user input. For example, user device 240 may
provide the business information (e.g., in response to a request
for the business information from electronic wallet device 210) via
a user device interface of electronic wallet device 210 (e.g., a
communication interface of a hub of electronic wallet device 210).
Additionally, or alternatively, electronic wallet device 210 may
obtain the business information from business platform 280. For
example, electronic wallet device 210 may access a business account
(e.g., a user profile) associated with a consumer of electronic
wallet device 210 and maintained by business platform 280.
Furthermore, electronic wallet device 210 may include a user
interface that enables a consumer of the electronic wallet device
to input or provide business information (e.g., an input that
indicates that the transaction is associated with a business
transaction).
[0064] In some implementations, the business information may
include a calendar event indicating that the transaction is
associated with a business transaction. For example, electronic
wallet device 210 may identify and/or obtain a calendar event, such
as an itinerary, a reservation, an appointment, a meeting, and/or
the like that indicates that the transaction may be business
related (i.e., may be a business transaction). For example, if the
transaction takes place during a time period that corresponds to
the calendar event, electronic wallet device 210 may determine that
the transaction is business transaction. Furthermore, the business
information may include an entire electronic calendar. For example,
the electronic calendar may be a business calendar of a consumer of
the electronic wallet device 210 that includes day-to-day
business-related events, meetings, travel, dining, and/or the like.
As such, if a transaction takes place during or within a threshold
time period of one of the calendar events of the business calendar,
electronic wallet device 210 may determine that the transaction is
a business transaction.
[0065] In some implementations, the business information may
include a message indicating that the transaction is associated
with a business transaction. For example, electronic wallet device
210 may identify an email, a text message, a voicemail
transcription, and/or the like that indicates that the transaction
may be business related. More specifically, the message may
reference the transaction, may reference a merchant identifier
associated with the transaction terminal, may reference an
organization or location of the transaction, may reference a
business meeting to take place during the transaction, and/or the
like. As such, electronic wallet device 210 may determine, based on
the message, that the transaction is business related. In some
implementations, electronic wallet device 210 (and/or user device
240) may utilize artificial intelligence (AI) and/or machine
learning to analyze messages associated with a business.
Accordingly, electronic wallet device 210 (and/or user device 240)
may determine, over time, which messages may indicate business
related transactions and which messages do not indicate business
related transactions.
[0066] In some implementations, the business information may
include authorized business transaction information. For example,
electronic wallet device 210 may identify one or more lists of
authorized merchants, authorized types of merchants (e.g., which
may be identified via the merchant identifier), authorized
locations of transactions, approved spending limits (e.g., for
certain merchants, merchant types, for certain time periods (e.g.,
a day, a week, a year, and/or the like). In some implementations,
electronic wallet device 210 may determine that a transaction is a
business transaction based on a merchant identifier of the
transaction information. Accordingly, electronic wallet device 210
may compare the authorized business transaction information with
characteristics of the transaction information (e.g., from
transaction terminal 230) to determine whether the transaction is
an authorized transaction.
[0067] In some implementations, the business information may
include location information indicating that the transaction is
associated with a business transaction. The location information
may be identified from the transaction information, messaging
information, calendar information, and/or the like. For example,
electronic wallet device 210 may identify one or more locations or
regions associated with a business transaction (e.g., within a
threshold distance of an office of a business organization, within
a region or country of a business organization, and/or the like).
As such, if electronic wallet device 210 determines that a
transaction takes place within a threshold distance of a location
designated for business transactions, electronic wallet device 210
may determine that the transaction is a business transaction.
[0068] In some implementations, electronic wallet device 210 may
obtain business information from one or more applications hosted by
user device 240 and/or business platform 280. For example, user
device 240 may obtain the business information via a calendar
application, a messaging application, a location tracking system,
or business platform 280.
[0069] In this way, electronic wallet device 210, smart transaction
card 220, and/or user device 240 may identify business information
associated with the transaction.
[0070] As further shown in FIG. 4, process 400 may include
selecting a transaction card from a plurality of transaction cards
in an electronic wallet device based on the transaction information
and the business information (block 430). For example, electronic
wallet device 210 may select the transaction card from transaction
cards that are inserted into card slots of electronic wallet device
210. In some implementations, electronic wallet device 210 may
select the transaction card based on receiving transaction
information (and/or a notification of a pending transaction) from
transaction terminal 230.
[0071] In some implementations, electronic wallet device 210 may
identify the plurality or set of transaction cards based on which
card slots of the electronic wallet device 210 include transaction
cards. For example, electronic wallet device 210 may determine
which card slots of electronic wallet device 210 include
transaction cards. Electronic wallet device 210 may determine which
card slots are holding transaction cards based on determining
whether corresponding card readers in the card slots are
communicatively coupled (e.g., in physical contact) with IC chips
of transaction cards in the card slots. Accordingly, electronic
wallet device 210 may hold transaction cards that are available to
be used in a transaction at transaction terminal 230. Further
electronic wallet device 210 may identify the transaction cards
held by electronic wallet device 210 as a set of candidate
transaction cards that may be used in a transaction. When selecting
a transaction card from a set of transaction cards or a plurality
of transaction cards, electronic wallet device may select at least
one of the transaction cards from at least two transaction
cards.
[0072] In some implementations, electronic wallet device 210 may
obtain card information associated with the transaction cards in
electronic wallet device 210. For example, electronic wallet device
210 may obtain the card information from transaction backend 260
(e.g., via user device 240), from a data structure of electronic
wallet device 210, via user input, and/or the like. Card
information may include an account identifier (e.g., a name, an
account number, and/or the like associated with the account), a
card type, a card association, a credit limit, a balance of the
account, a type of the account, and/or the like. In some
implementations, electronic wallet device 210 may access, via card
readers, business account information associated with the
transaction cards (e.g., business account numbers, business
organization names, business account tier, and/or the like) from IC
chips of the transaction cards. In such instances, electronic
wallet device 210 may use the business account information to
determine that the transaction card is designated for use in
business transactions. Accordingly, when electronic wallet 210
determines, based on the transaction information and the business
information, that the transaction is a business transaction,
electronic wallet device may select the transaction card that is
designed for use in business transactions. Alternatively, if
electronic wallet device determines from the business information
(or lack of business information), that a transaction is not a
business transaction, then electronic wallet device 210 may select
a non-business transaction card (e.g., a personal transaction
card).
[0073] According to some implementations, electronic wallet device
210 selects a transaction card from the transaction cards in
electronic wallet device 210 by analyzing business information
associated with a transaction with respect to the transaction
information of a transaction. For example, electronic wallet device
210 may develop a hierarchy of transaction rules that indicate when
a transaction is a business transaction or a non-business
transaction based on the business information and transaction
information. For example, using a merchant identifier from the
transaction information, electronic wallet device 210 may determine
which transaction card may be used for a business transaction or
non-business transaction based on whether the merchant identifier
is associated with a business transaction (as indicated by the
business information).
[0074] In some implementations, electronic wallet device 210 may
consider multiple non-business related factors when selecting a
transaction card after determining the transaction card is business
transaction or a non-business transaction. For example, electronic
wallet device 210 may consider rewards earning potential (e.g.,
which may be based on the merchant identifier), credit limits,
account balances, transaction card type, and/or the like.
Accordingly, if multiple business transaction cards or multiple
non-business transaction cards are included in electronic wallet
device 210, electronic wallet device 210 may select from the
business transaction cards and the non-business transaction cards
based on the non-business related factors.
[0075] In some implementations, electronic wallet device 210 may
select a business transaction card for a business transaction or a
non-business transaction card for non-business transactions based
on one or more settings of electronic wallet device 210. For
example, via a user input and/or user device 240, a preference may
be indicated for certain transaction cards to be used by default,
at particular locations, at particular times (e.g., of the week, of
the month, and/or the like), at particular merchants or merchant
types, and/or the like. Accordingly, settings or rules that
electronic wallet device 210 may use to select transaction cards
may be configurable.
[0076] In some implementations, electronic wallet device 210 may
utilize a scoring system to select a transaction card from the
plurality of transaction cards based on the transaction information
and/or the business information. For example, scores and/or weights
may be applied to the transaction information and/or business
information. Scores may be calculated for each of the transaction
cards in electronic wallet device 210 based on the scoring system,
and the transaction card that satisfies a threshold value (e.g., is
the greatest value or least value) relative to the others may be
selected. Accordingly, an optimal transaction card (i.e., optimal
relative to the scoring system) may be selected from the plurality
of transaction cards in electronic wallet device 210 for business
transactions and/or non-business transactions at transaction
terminal 230. As an example, a first business transaction card that
incurs foreign transaction fees may offer three times bonus rewards
points for a business transaction while a second business
transaction card that does not include foreign transaction fees may
offer two times bonus rewards points. Depending on weighting of a
scoring system used to select the transaction card, electronic
wallet device 210 may select the first business transaction card
for the business transaction if rewards information is more
weighted than avoiding transaction fees (or foreign transaction
fees) or the second business transaction card may be selected for
the business transaction if avoiding transaction fees is more
weighted than rewards information.
[0077] Accordingly, electronic wallet device 210 may select a
transaction card for use in the transaction at transaction terminal
230 based on transaction information associated with the
transaction and/or business information associated with transaction
cards in electronic wallet device 210. In this way, electronic
wallet device 210 may facilitate processing the transaction by
providing a transaction token from the selected transaction
card.
[0078] As further shown in FIG. 4, process 400 may include
providing a transaction token of the selected transaction card to
facilitate processing the transaction (block 440). For example,
electronic wallet device 210 may provide the transaction token to
transaction terminal 230. In some implementations, electronic
wallet device 210 may provide the transaction token based on
selecting the transaction card for the transaction.
[0079] According to some implementations, electronic wallet device
210 may provide the transaction token directly to transaction
terminal 230 and/or indirectly to transaction terminal 230 (e.g.,
via smart transaction card 220 and/or user device 240). For
example, electronic wallet device 210 may provide the transaction
token via a terminal interface of electronic wallet device 210
and/or via a wireless communication interface of electronic wallet
device 210. Accordingly, electronic wallet device 210 may
communicate the transaction token to transaction terminal 230, such
that transaction terminal 230 may process the transaction.
[0080] In some implementations, electronic wallet device 210
obtains the transaction token from the transaction card via a card
reader of electronic wallet device 210 in communication with the
transaction card. For example, a card reader of electronic wallet
device 210 may obtain the transaction token from an IC chip of the
transaction card and forward the transaction token to the
transaction terminal 230. A transaction token may be any key, code,
or security data used to facilitate processing a transaction. For
example, the transaction token may be an encrypted key that
authorizes a transfer of funds through transaction backend 260
(e.g., from a financial institution of a consumer associated with
electronic wallet device 210 to a financial institution associated
with an entity of transaction terminal 230).
[0081] In this way, electronic wallet device 210 may be used to
select a transaction card from a plurality of transaction cards
that may be used to process a transaction at transaction terminal
230 based on information associated with transaction terminal 230
and/or the plurality of transaction cards. Accordingly, the
transaction card may be used in connection with a transaction
terminal to process the transaction.
[0082] Although FIG. 4 shows example blocks of process 400, in some
implementations, process 400 may include additional blocks, fewer
blocks, different blocks, or differently arranged blocks than those
depicted in FIG. 4. Additionally, or alternatively, two or more of
the blocks of process 400 may be performed in parallel.
[0083] FIG. 5 is a flow chart of an example process 500 that may be
implemented in association with a smart transaction card and an
electronic wallet device described herein. In some implementations,
one or more process blocks of FIG. 5 may be performed by smart
transaction card 220. In some implementations, one or more process
blocks of FIG. 5 may be performed by another device or a group of
devices separate from or including smart transaction card 220, such
as electronic wallet device 210, transaction terminal 230, user
device 240, and/or transaction backend 260.
[0084] As shown in FIG. 5, process 500 may include obtaining
transaction information associated with a transaction at a
transaction terminal (block 510). For example, smart transaction
card 220 may obtain the transaction information. In some
implementations, smart transaction card 220 obtains the transaction
information based on detecting an interaction with transaction
terminal 230, such as smart transaction card 220 detecting that
smart transaction card 220 has been inserted into a chip reader of
transaction terminal 230 or smart transaction card 220 is within
range to hold an NFC session with transaction terminal 230.
[0085] As described above, the transaction information may include
a merchant identifier, information indicating acceptable forms of
payment, information indicating acceptable types of transaction
cards, a monetary value of the transaction, a currency of the
transaction, a location of the transaction, and/or the like. Smart
transaction card 220 may obtain the transaction information by
transaction terminal 230 indicating or providing the transaction
information to smart transaction card 220 based on the interaction
with smart transaction card 220.
[0086] In this way, smart transaction card 220 may obtain
transaction information associated with a transaction from
transaction terminal 230.
[0087] As further shown in FIG. 5, process 500 may include
providing the transaction information to an electronic wallet
device (block 520). For example, smart transaction card 220 may
provide the transaction information to the electronic wallet device
210. In some implementations, smart transaction card 220 may
provide the transaction information to electronic wallet device 210
based on obtaining the transaction information.
[0088] According to some implementations, smart transaction card
220 may provide the transaction information to electronic wallet
device 210 via a communication link. For example, smart transaction
card 220 may provide the transaction information via a Bluetooth
communication link, a BLE communication link, a Wi-Fi communication
link, an NFC session, and/or the like. In some implementations,
smart transaction card 220 may provide the transaction information
to electronic wallet device 210 via a network (e.g., network 250).
For example, electronic wallet device 210 may be at a first
location (e.g., a consumer's home) and smart transaction card 220
may be at a second location (e.g., a merchant). In such an example,
smart transaction card 220 may send the transaction information
through one or more networks to electronic wallet device 210 (which
may then respond through the network with a card selection
notification and/or transaction token).
[0089] In some implementations, smart transaction card 220 may
request electronic wallet device 210 to provide a transaction token
based on the obtained transaction information. For example, smart
transaction card 220 may send a request message that includes the
obtained transaction information.
[0090] In this way, smart transaction card 220 may provide the
transaction information to electronic wallet device 210 to enable
electronic wallet device 210 to provide a transaction token for the
transaction.
[0091] As further shown in FIG. 5, process 500 may include
receiving a transaction token associated with a transaction card in
the electronic wallet device (530). For example, smart transaction
card 220 may receive the transaction token from electronic wallet
device 210. In some implementations, smart transaction card 220 may
receive the transaction token from electronic wallet device 210
based on electronic wallet device 210 receiving the transaction
information and/or selecting a transaction card to be used to
facilitate processing the transaction.
[0092] As described in some implementations herein, the transaction
card may be selected by electronic wallet device 210 based on the
transaction information and/or card information. Accordingly, after
selecting the transaction card, electronic wallet device 210 may
obtain the transaction token from the transaction card and send the
transaction token to smart transaction card 220.
[0093] In this way, smart transaction card 220 may receive a
transaction token associated with a transaction card in electronic
wallet device 210 to enable smart transaction card 220 to provide
the transaction token to transaction terminal 230 to facilitate
processing the transaction.
[0094] As further shown in FIG. 5, process 500 may include
providing the transaction token to the transaction terminal to
facilitate processing the transaction (block 540). For example,
smart transaction card 220 may provide the transaction token to
transaction terminal 230. In some implementations, smart
transaction card 220 may provide the transaction token to the
transaction terminal 230 based on receiving the transaction token
from electronic wallet device 210.
[0095] In some implementations, smart transaction card 220 may
provide the transaction token to transaction terminal 230 via a
chip reader of transaction terminal 230. For example, smart
transaction card 220 may communicate the transaction token via an
IC chip of smart transaction card 220 that is communicatively
coupled (e.g., in physical contact) with the chip reader of
transaction terminal 230. Accordingly, in some implementations,
smart transaction card 220 may be inserted into a chip reader of
transaction terminal 230 to engage in a transaction, retrieve and
provide the transaction information, and remain in transaction
terminal 230 at least until the transaction is processed by
transaction terminal 230 using the received and provided
transaction token from the transaction card of electronic wallet
device 210.
[0096] In this way, smart transaction card 220 may facilitate
processing a transaction at transaction terminal 230 using a
transaction token from one or more transaction cards of electronic
wallet device 210.
[0097] Although FIG. 5 shows example blocks of process 500, in some
implementations, process 500 may include additional blocks, fewer
blocks, different blocks, or differently arranged blocks than those
depicted in FIG. 5. Additionally, or alternatively, two or more of
the blocks of process 500 may be performed in parallel.
[0098] FIG. 6 is a flow chart of an example process 600 that may be
implemented in association with a user device and an electronic
wallet device described herein. In some implementations, one or
more process blocks of FIG. 6 may be performed by user device 240.
In some implementations, one or more process blocks of FIG. 6 may
be performed by another device or a group of devices separate from
or including user device 240, such as electronic wallet device 210,
smart transaction card 220, transaction terminal 230, and/or
transaction backend 260.
[0099] As shown in FIG. 6, process 600 may include receiving a
request for business information from an electronic wallet device,
where the business information is associated with a transaction
(block 610). For example, user device 240 may receive the request
for the business information from electronic wallet device 210. In
some implementations, user device 240 may receive the business
information from electronic wallet device 210 based on a
transaction being initiated (e.g., via smart transaction card 220
or user device 240) or pending at transaction terminal 230.
[0100] User device 240 may receive the request for business
information via a communication link between user device 240 and
electronic wallet device 210. The example request may be a message,
data packet, and/or the like providing information associated with
a transaction associated with the electronic wallet device 210. For
example, the request may include information identifying a time
period of the transaction. Accordingly, the user device may obtain
the business information.
[0101] In this way, user device 240 may receive a request for
business information for the transaction to cause user device 240
to obtain the business information (e.g., from an application of
user device 240 and/or business platform 280).
[0102] As further shown in FIG. 6, process 600 may include
obtaining the card information for the plurality of transaction
cards in the electronic wallet device (block 620). For example,
user device 240 may obtain the card information for the plurality
of transaction cards. In some implementations, user device 240
obtains the card information based on receiving the request from
electronic wallet device 210.
[0103] As described herein, the business information may include
calendar information, message information, authorization
information, location information, and/or the like. Accordingly,
user device 240 may obtain the business information via a calendar
application, a messaging application, a location tracking system,
business platform 280, and/or the like. For example, user device
240 may identify calendar events of a calendar application that
indicate that the transaction is business related (e.g., based on
the transaction being within a time period of the calendar event or
within a threshold time period of the calendar event). As another
example, user device 240 may scan or analyze messages (e.g., text
messages, emails, voicemail transcripts, and/or the like) that were
sent or received via a messaging application within a threshold
time period of the transaction to determine the messages include
business related information associated with the transaction.
[0104] In some implementations, user device 240 may obtain business
information from business platform 280. For example, user device
240 may request business information from a business enterprise
portal of business platform 280 that provides information on
business transaction authorizations of employees of the business
enterprise. More specifically, the business enterprise portal may
indicate that a particular employee, having a business transaction
card in electronic wallet device 210, is authorized to use the
business transaction card at particular times, at particular
locations, for particular amounts, for particular types of
purchases, up to a particular limit (e.g. per day, per month, per
year), and/or the like.
[0105] In some implementations, user device 240 may store the
business information. For example, user device 240 may store the
business information in a data structure of user device 240. In
such cases, the business information may be downloaded and/or
installed on user device 240 (e.g., from a website, from business
platform 280, via user input, via an application, and/or the
like).
[0106] In this way, user device 240 may obtain business information
for the transaction to permit user device 240 to provide the
business information to electronic wallet device 210.
[0107] As further shown in FIG. 6, process 600 may include
providing the business information to the electronic wallet device,
such that the electronic wallet device may provide, based on the
business information, a transaction token from a transaction card
of the plurality of transaction cards for a transaction (block
630). For example, user device 240 may provide the business
information to electronic wallet device 210 to enable electronic
wallet device 210 to determine whether a transaction is a business
transaction or a non-business transaction. In some implementations,
user device 240 may provide the business information to electronic
wallet device 210 based on obtaining the business information
and/or receiving the request for the business information from
electronic wallet device 210. According to some implementations,
user device 240 may provide the business information to electronic
wallet device 210 via a communication link (e.g., a Bluetooth
communication link, a BLE link, an NFC session link, a Wi-Fi
communication link, and/or the like).
[0108] User device 240 may provide the business information to
electronic wallet device 210 to enable electronic wallet device 210
to select a transaction card (e.g., either a business transaction
card or a non-business transaction card), for a transaction, from
the plurality of transaction cards in electronic wallet device 210
according to some implementations described herein.
[0109] Additionally, or alternatively, user device 240 may select
the transaction card based on the business information and/or
transaction information received from transaction terminal 230. For
example, based on user device 240 interacting with transaction
terminal 230 (e.g., via an NFC session) to engage in a transaction,
user device 240 may select a business transaction card or
non-business transaction card and provide the card information
(e.g., card identification information) with a request that
electronic wallet device 210 provide a transaction token,
associated with the selected business transaction card or
non-business transaction card indicated in the card information, to
user device 240. Accordingly, user device 240 may process the
transaction using the transaction token received from electronic
wallet device 210.
[0110] In this way, user device 240 may be used in association with
electronic wallet device 210 to facilitate processing a transaction
at transaction terminal 230 according to some implementations
described herein.
[0111] Although FIG. 6 shows example blocks of process 600, in some
implementations, process 600 may include additional blocks, fewer
blocks, different blocks, or differently arranged blocks than those
depicted in FIG. 6. Additionally, or alternatively, two or more of
the blocks of process 600 may be performed in parallel.
[0112] FIGS. 7A-7C are diagrams of an example implementation 700
relating to example processes 400, 500, and/or 600 shown in FIGS.
4, 5, and/or 6, respectively. FIGS. 7A-7C show an example of using
an electronic wallet device and a user device to facilitate
processing a transaction with a smart transaction card according to
some implementations herein.
[0113] As shown in FIG. 7A, and by reference number 705,
transaction cards 1-3 are inserted into an electronic wallet
device. The electronic wallet device may share card information of
transaction cards 1-3 with a user device, as shown by reference
number 710. For example, electronic wallet device may share an
account identifier (e.g., an account number), card expiration
information, a card verification number, and/or the like with the
user device. As shown by reference number 715, the user device
identifies a business transaction card. For example, the user
device may determine that one of the transaction cards 1-3 is a
business transaction card based on the card information provided.
The card information may include information identifying a business
account or that the card is a business type transaction card.
[0114] As shown in FIG. 7B, and by reference number 720, a smart
transaction card associated with the electronic wallet device
initiates a transaction at a transaction terminal. The smart
transaction card may notify the electronic wallet device of a
pending transaction (or an initiated transaction) and provides
transaction information to the electronic wallet device, as shown
by reference number 725. Further, in FIG. 7B, as shown by reference
number 730, the electronic wallet device requests the user device
to obtain business information (e.g., business information
associated with the transaction). In some implementations, the
electronic wallet device may obtain the business information
directly from an application or data structure (e.g., business
platform 280) that includes business information of User A.
[0115] As further shown in FIG. 7B, and by reference number 735,
the user device obtains the business information from one or more
applications or data structures that includes business information
associated with a time period of the transaction (e.g., within the
hour, the day, the week, and/or the like). As shown, the business
information may be associated with User A's calendar, business
email, and/or business portal. Accordingly, the user device can
obtain business information that may be associated with
transaction.
[0116] As shown in FIG. 7C, and by reference number 740, the
electronic wallet device receives the business information from the
user device. For example, the user device may forward and/or send
the business information to the electronic wallet device. The
electronic wallet device may select the transaction card for the
transaction based on the business information and the transaction
information, as shown by reference number 745. In FIG. 7C, as shown
by reference number 750, the electronic wallet device provides a
transaction token from the selected transaction card to the smart
transaction card. The smart transaction card then provides the
transaction token of the selected card to the transaction terminal,
as shown by reference number 755.
[0117] Accordingly, a user device may be used in accordance with an
electronic wallet device to obtain business information. In such
cases, the electronic wallet device may use the business
information (along with transaction information) to select a
transaction card for a transaction according to some
implementations described herein.
[0118] As indicated above, FIGS. 7A-7C are provided merely as an
example. Other examples are possible and may differ from what was
described with regard to FIGS. 7A-7C.
[0119] FIGS. 8A-8C are diagrams of an example implementation 800
relating to example processes 400, 500, and/or 600 shown in FIGS.
4, 5, and/or 6, respectively. FIGS. 8A-8C show an example of using
an electronic wallet device and a user device to facilitate
processing a transaction according to some implementations
herein.
[0120] As shown in FIG. 8A, and by reference number 810,
transaction cards 1-3 are inserted into an electronic wallet
device. The card information of transaction cards 1-3 is shared
with the user device, as shown by reference number 820. As shown by
reference number 830, the user device identifies a business
transaction card.
[0121] As shown in FIG. 8B, and by reference number 840, the user
device associated with the electronic wallet device initiates a
transaction with a transaction terminal and obtains transaction
information. For example, the user device may interact with the
transaction terminal via an NFC session to engage in the
transaction. As shown by reference number 850 in FIG. 8B, the user
device obtains business information associated with the
transaction. As shown by reference number 860, the user device
selects a transaction card from the transaction cards 1-3 in the
electronic wallet based on the business information and transaction
information.
[0122] As shown in FIG. 8C, and by reference number 870, the user
device obtains a transaction token of the selected transaction card
from the electronic wallet device. For example, the user device may
send a request to electronic wallet device for a transaction token
from the transaction card selected from transaction cards 1-3. In
such an example, the electronic wallet device may obtain the
transaction token from the selected transaction card (e.g., via an
IC chip of the transaction card), and send the transaction token to
the user device. As shown by reference number 880 of FIG. 8C, the
user device may provide the transaction token to the transaction
terminal to facilitate processing the transaction. In some
implementations, the user device may provide the transaction token
to the transaction terminal via an NFC session (e.g., via a same or
separate NFC session that was used to engage in the transaction and
obtain the transaction information).
[0123] Accordingly, a user device may select a transaction card
from transaction cards in an electronic wallet device to facilitate
processing a transaction. The user device may select the
transaction card based on business information associated with the
transaction card and/or transaction information associated with the
transaction according to some implementations described herein.
[0124] As indicated above, FIGS. 8A-8C are provided merely as an
example. Other examples are possible and may differ from what was
described with regard to FIGS. 8A-8C.
[0125] FIG. 9 is a diagram of an example implementation of an
electronic wallet device 900 described herein. Electronic wallet
device 900 may correspond to electronic wallet device 210 of FIG.
2. As shown in FIG. 9, electronic wallet device 900 may include
card slots 902 with card readers 904 in each of card slots 902.
Card readers 904 are configured to interface with transaction cards
(e.g., IC chips of transaction cards) inserted into card slots 902.
Although electronic wallet device 900 is shown to include four card
slots 902, electronic wallet device 900 may include more or less
than four card slots 902.
[0126] The electronic wallet device 900 of FIG. 9 includes a hub
906. As shown, the hub 906 includes a card reader interface 908
that is communicatively coupled with the card readers 904 of the
card slots 902. In some implementations, hub 906 may include one or
more processors (e.g., processor 320) and/or one or more
communication interfaces (e.g., communication interface 370). For
example, the one or more processors of hub 906 may communicate with
other devices (e.g., smart transaction card 220, user device 240,
business platform 280, and/or the like) and/or network 250 via a
Bluetooth communication interface, a BLE interface, a NFC
interface, a Wi-Fi communication interface, a cellular
communication interface, and/or the like. In some implementations,
hub 906 may include a user device interface (which may include a
wired or wireless communication interface), such that hub 906 may
receive business information from user device 240 via the user
device interface. In some implementations, card reader interface
908 may include or be implemented by a switching component that
includes one or more switches enabling or disabling access to card
readers 904.
[0127] According to some implementations, card slots 902 are
configured to receive transaction cards. As shown in FIG. 9,
transaction card 910 is inserted into one of the card slots 902.
Transaction card 910 may be inserted such that an IC chip 912 of
the transaction card is communicatively coupled (e.g., in physical
contact) with a corresponding card reader 904 of the corresponding
card slot 902. Accordingly, hub 906 may obtain card information
associated with transaction card 910 and/or a transaction token
from transaction card 910 via card reader 904. Using the card
reader interface 908, hub 906 may provide the transaction terminal
to another device (e.g., smart transaction card 220, transaction
terminal 230, user device 240, and/or the like). In some
implementations, hub 906 may be used to receive, request, analyze,
and/or compare card information, business information, and/or
transaction information for a transaction according to some
implementations described herein.
[0128] In some implementations, electronic wallet device 900 of
FIG. 9 may include a user interface (e.g., input component 350,
output component 360, and/or the like). For example, a user
interface of electronic wallet device 900 may enable a user to
configure settings for hub 906, enter information associated with
transaction cards inserted into the card slots 902, enter
preferences for selecting transaction cards in card slots 902
(e.g., by weighting avoiding transaction fees more than rewards
earning potential or vice versa), and/or the like. In some
implementations, hub 906 may be configured via a user interface of
another device in communication with electronic wallet device 900
(e.g., user device 240).
[0129] In some implementations, a user interface of electronic
wallet device 900 may include a mechanical mechanism to select
which of the transaction cards is to be used in a particular
transaction and/or available for use in a particular transaction.
For example, the user interface may include a mechanical switching
apparatus that connects and/or disconnects the transaction cards in
the card slots 902 to/from the card reader interface 908.
Accordingly, electronic wallet device 900 may hold cards in card
slots 902 without making them available for use in a
transaction.
[0130] In some implementations, electronic wallet device 900 may be
a wearable item and/or wearable device and/or included within a
wearable item and/or wearable device. For example, electronic
wallet device 900 may be integrated into an article of clothing
(e.g., shorts, pants, a shirt, a coat, under garments, and/or the
like), a belt, a bag, a purse, a backpack, a wallet, a wrist band,
a sleeve, an arm strap, and/or the like. Furthermore, in some
implementations, card slots 902 with card readers 904 may be
integrated into the wearable device. For example, the card slots
902 may be pockets of the wearable device, may be included within
pockets of the wearable device, or may appear to be pockets of the
wearable device. In such cases, the transaction cards may be
received via openings in the pockets of the wearable device.
Accordingly, in some implementations, a consumer may insert
transaction cards into a wearable device worn on the consumer's
person. As such, the transaction cards of the electronic wallet
device may be worn or held by a consumer in a manner that enables
the consumer to carryout transactions without removing the
transaction cards from electronic wallet device 210 of the wearable
device. For example, the electronic wallet device may communicate
with a transaction terminal via a smart transaction card (e.g.,
smart transaction card 220), a user device (e.g., user device 240),
and/or any other device that may be more accessible to a user than
the transaction cards held in the electronic wallet device.
[0131] In some implementations, a smart transaction card (e.g.,
similar to smart transaction card 220) may be inserted into a card
slot 902 of electronic wallet device 900. In such cases, the smart
transaction card in the electronic wallet device may serve as a hub
and/or communication device to facilitate selection of a
transaction card in the remaining card slots of card slots 902,
communication with a transaction terminal (e.g., transaction
terminal 230) and/or communication with a user device (e.g., user
device 240). Accordingly, a smart transaction card in a card slot
902 of electronic wallet device 900 may implement the example
processes and devices described herein.
[0132] In this way, electronic wallet device 900 may be used to
receive and/or hold a plurality of transaction cards and provide a
transaction token from at least one of the plurality of transaction
cards according to some implementations described herein.
[0133] As indicated above, FIG. 9 is provided merely as an example.
Other examples are possible and may differ from what was described
with regard to FIG. 9.
[0134] FIG. 10 is a diagram of an example implementation of an
electronic wallet device 1000 described herein. Electronic wallet
device 1000 may correspond to electronic wallet device 210 of FIG.
2. In FIG. 10, the reference numbers in common with FIG. 9 identify
the same or similar elements. For example, electronic wallet device
1000 may include card slots 902, card readers 904, hub 906, card
reader interface 908, and/or one or more features described above
in connection with FIG. 9.
[0135] As shown in FIG. 10, electronic wallet device 1000 may be
modular in that electronic wallet device 1000 may add or remove one
or more card slot modules 1002 and/or other components.
Accordingly, electronic wallet device 1000 may be adjustable and
may hold variable amounts of transaction cards. As shown in FIG.
10, card slot modules 1002 may include module card readers 1004,
module hubs 1006, and/or module card reader interfaces 1008. In
some implementations, when card slot modules 1002 are attached
(e.g., communicatively coupled) to electronic wallet device 1000,
module hubs 1006 may connect with hub 906 and module card reader
interfaces 1008 may connect with card reader interface 908.
Accordingly, when card slot modules 1002 are connected with
electronic wallet device 1000, electronic wallet device 1000 may
include four card slots (e.g., similar to electronic wallet device
900 of FIG. 9).
[0136] Accordingly, electronic wallet device 1000 may be a modular
device that is capable of adding and/or removing card slots. In
some implementations, other features of electronic wallet devices
described herein may be modular. For example, hub 906 (and/or
components of hub 906) may be removable and/or replaceable.
Accordingly, functionality of electronic wallet device 1000 may be
adjustable.
[0137] As indicated above, FIG. 10 is provided merely as an
example. Other examples are possible and may differ from what was
described with regard to FIG. 10.
[0138] FIG. 11 is a diagram of an example implementation of an
electronic wallet device 0 described herein. Electronic wallet
device 1100 may correspond to electronic wallet device 210 of FIG.
2. In FIG. 11, the reference numbers in common with FIG. 9 identify
the same or similar elements. For example, electronic wallet device
1100 may include card slots 902, card readers 904, hub 906, card
reader interface 908, and/or one or more features described above
in connection with FIG. 9.
[0139] As shown in FIG. 11, electronic wallet device 1100 may
include a terminal interface 1102 that may directly communicate
with a transaction terminal (e.g., transaction terminal 230). For
example, terminal interface 1102 may include a plurality of
interfaces to interact with a transaction terminal, such as a
magnetic strip, an IC chip, an RF antenna, and/or the like.
Accordingly, terminal interface 1102 may be used in a similar
manner as a transaction card. As such, terminal interface 1102 may
be used to obtain information (e.g., transaction information or
notifications of a pending transaction) from a transaction terminal
and/or provide information or data (e.g., a transaction token) to a
transaction terminal.
[0140] As shown in FIG. 11, terminal interface 1102 is connected to
card reader interface 908 of electronic wallet device 1100 via a
terminal interface tether 1104. Terminal interface tether 1104 may
include a wired communication interface (e.g., a conductive wire)
to connect the terminal interface with hub 906 and/or card reader
interface 908. Accordingly, hub 906 may exchange information with
transaction terminals via terminal interface 1102 through the
terminal interface tether 1104.
[0141] In the example of FIG. 11, hub 906 of electronic wallet
device 1100 may provide a transaction token from transaction card
910 and/or transaction card 1110 to a transaction terminal via
terminal interface 1102.
[0142] As indicated above, FIG. 11 is provided merely as an
example. Other examples are possible and may differ from what was
described with regard to FIG. 11.
[0143] FIG. 12 is a diagram of an example implementation of an
electronic wallet device 1200 described herein. Electronic wallet
device 1200 may correspond to electronic wallet device 210 of FIG.
2. In FIG. 12, the reference numbers in common with FIG. 9 identify
the same or similar elements. For example, electronic wallet device
1200 may include card slots 902, card readers 904, hub 906, card
reader interface 908, and/or one or more features described above
in connection with FIG. 9.
[0144] As shown in FIG. 12, electronic wallet device 1200 may
include a terminal interface 1202 that may directly communicate
with a transaction terminal (e.g., transaction terminal 230). For
example, terminal interface 1202 may include a plurality of
interfaces to interact with a transaction terminal, such as a
magnetic strip, an IC chip, an RF antenna, and/or the like.
Accordingly, terminal interface 1202 may be used in a similar
manner as a terminal interface 1102 of FIG. 11.
[0145] As shown in FIG. 12, terminal interface 1202 is located on a
terminal interface slide-out 1204. Terminal interface slide-out
1204 may be a mechanism that may be extendable for interaction with
a transaction terminal and/or retractable into electronic wallet
device 1200. In FIG. 12, the terminal interface slide-out may be
communicatively coupled with card reader interface 908 such that
hub 906 may obtain transaction information from transaction
terminals and/or provide information or data (e.g., transaction
tokens) from transaction cards inserted into electronic wallet
device 1200.
[0146] In the example of FIG. 12, hub 906 of electronic wallet
device 1200 may provide a transaction token from transaction card
910 and/or transaction card 1210 to a transaction terminal via
terminal interface 1202.
[0147] As indicated above, FIG. 12 is provided merely as an
example. Other examples are possible and may differ from what was
described with regard to FIG. 12.
[0148] Accordingly, examples herein provide an electronic wallet
device 210 that is capable of selecting a transaction card from a
plurality of transaction cards of electronic wallet device 210 for
a particular transaction. For example, the transaction card may be
selected based on business information, transaction information,
and/or based on card information (e.g. based on account information
and/or based on rewards information) associated with the
transaction card. As such, a consumer may utilize electronic wallet
device 210 as described herein for an enhanced user experience when
entering into transactions (e.g., the consumer does not have to
sift through a plurality of cards, find the correct card for a
transaction, or choose what is believed to be an optimal card for
the transaction). Moreover, transaction failures may be avoided
using electronic wallet device 210 as electronic wallet device 210
may not select or use business transaction cards for non-related
business transactions that may be declined (e.g., by determining
that a particular transaction may cause credit limits of the
accounts of the transaction cards to be reached or exceeded) or
non-business transaction cards for business transaction that may be
non-refundable, thus saving consumer resources, monetary resources,
and/or transaction terminal resources.
[0149] The foregoing disclosure provides illustration and
description, but is not intended to be exhaustive or to limit the
implementations to the precise form disclosed. Modifications and
variations are possible in light of the above disclosure or may be
acquired from practice of the implementations.
[0150] As used herein, the term component is intended to be broadly
construed as hardware, firmware, or a combination of hardware and
software.
[0151] Certain user interfaces have been described herein and/or
shown in the figures. A user interface may include a graphical user
interface, a non-graphical user interface, a text-based user
interface, or the like. A user interface may provide information
for display. In some implementations, a user may interact with the
information, such as by providing input via an input component of a
device that provides the user interface for display. In some
implementations, a user interface may be configurable by a device
and/or a user (e.g., a user may change the size of the user
interface, information provided via the user interface, a position
of information provided via the user interface, and/or the like).
Additionally, or alternatively, a user interface may be
pre-configured to a standard configuration, a specific
configuration based on a type of device on which the user interface
is displayed, and/or a set of configurations based on capabilities
and/or specifications associated with a device on which the user
interface is displayed.
[0152] It will be apparent that systems and/or methods, described
herein, may be implemented in different forms of hardware,
firmware, or a combination of hardware and software. The actual
specialized control hardware or software code used to implement
these systems and/or methods is not limiting of the
implementations. Thus, the operation and behavior of the systems
and/or methods were described herein without reference to specific
software code--it being understood that software and hardware can
be designed to implement the systems and/or methods based on the
description herein.
[0153] Even though particular combinations of features are recited
in the claims and/or disclosed in the specification, these
combinations are not intended to limit the disclosure of possible
implementations. In fact, many of these features may be combined in
ways not specifically recited in the claims and/or disclosed in the
specification. Although each dependent claim listed below may
directly depend on only one claim, the disclosure of possible
implementations includes each dependent claim in combination with
every other claim in the claim set.
[0154] No element, act, or instruction used herein should be
construed as critical or essential unless explicitly described as
such. Also, as used herein, the articles "a" and "an" are intended
to include one or more items, and may be used interchangeably with
"one or more." Furthermore, as used herein, the term "set" is
intended to include one or more items (e.g., related items,
unrelated items, a combination of related and unrelated items,
and/or the like), and may be used interchangeably with "one or
more." Where only one item is intended, the term "one" or similar
language is used. Also, as used herein, the terms "has," "have,"
"having," or the like are intended to be open-ended terms. Further,
the phrase "based on" is intended to mean "based, at least in part,
on" unless explicitly stated otherwise.
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