IPC분류정보
국가/구분 |
United States(US) Patent
등록
|
국제특허분류(IPC7판) |
|
출원번호 |
US-0961077
(2007-12-20)
|
등록번호 |
US-10002384
(2018-06-19)
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발명자
/ 주소 |
- Fink, Marc J.
- Birnbaum, Robert
- McGough, Matthew John
|
출원인 / 주소 |
- JPMorgan Chase Bank, N.A.
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대리인 / 주소 |
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인용정보 |
피인용 횟수 :
0 인용 특허 :
34 |
초록
▼
A system, method, and card are disclosed for operating in conjunction with a financial account in order to automatically convey information to an account holder by directing the information to the card associated with the financial account. The card may include a display. The system may include an e
A system, method, and card are disclosed for operating in conjunction with a financial account in order to automatically convey information to an account holder by directing the information to the card associated with the financial account. The card may include a display. The system may include an event detection module for detecting an event related to the financial account, a message selection component for selecting an account-related message corresponding to the event detected by the detection module, and a message generation module for generating the account-related message and transmitting the account-related message to the card associated with the financial account. The card conveys the account-related message on the display and may prompt the user to contact a card issuer.
대표청구항
▼
1. A computer-implemented system, operating in conjunction with a financial account, for automatically conveying information to an account holder, the system comprising: a card associated with the financial account, the card including a display, a processor, and a signal receiving mechanism for rece
1. A computer-implemented system, operating in conjunction with a financial account, for automatically conveying information to an account holder, the system comprising: a card associated with the financial account, the card including a display, a processor, and a signal receiving mechanism for receiving a remotely generated wireless radio frequency signal;a host computing system remote from the card, the host computing system including; a computer memory storing message information and instructions;a computer processor accessing the computer memory and executing the stored instructions;an event detection module executed by the computer processor for detecting an event related to the financial account, the event including an attempted transaction accessing the financial account;a message selection component communicating with the event detection module for selecting an account-related message corresponding to the event detected by the detection module, wherein the account-related message is selected from available fraud prevention messages, the account related message including a telephone number accompanied by a request for the account holder to call the telephone number and a photograph of the cardholder; anda message generation module for generating the account-related message and transmitting the account-related message via the radio frequency signal directly to the signal receiving mechanism on the card associated with the financial account, wherein the processor of the card conveys the account-related message received from the message generation module to the display of the card. 2. The system of claim 1, further comprising a message repository for storing account-related messages, wherein the message selection component selects the account-related message from the message repository. 3. The system of claim 1, further comprising a calendar component for triggering generation of time dependent messages related to the financial account. 4. The system of claim 1, wherein the event detection module detects card usage at a POS terminal. 5. The system of claim 4, wherein the event detection module detects card usage at the POS terminal as a result of a transmission from the POS terminal. 6. The system of claim 4, wherein the event detection module detects card usage at the POS terminal as a result of transmission from the card. 7. The system of claim 1, wherein the account-related message requests further communication from the account holder. 8. The system of claim 7, wherein the further communication comprises one of telephone communication and Internet communication. 9. The system of claim 1, wherein the account-related message is a promotional message. 10. The system of claim 7, wherein the account-related message is a fraud prevention message requesting user validation in order to complete the detected event. 11. The system of claim 1, wherein the account-related message is a service oriented message. 12. The system of claim 1, wherein the event detection module detects attempted card usage from a personal computer and wherein the generated message requires a response in order to allow completion of the card usage on the personal computer. 13. A device capable of providing automatic notification to an account holder, the device associated with a financial account, the device comprising: a card providing access to the financial account;a signal receiving mechanism for receiving a radio frequency signal generated from a remote host computing system, the signal receiving mechanism disposed on the card for receiving an account-related message upon detection of an attempted transaction accessing the account, the message received directly by the signal receiving mechanism on the card from a message control engine located at the remote host computing system, wherein the message control engine selects the account related message based on detection of an account-related event, wherein the account-related message is selected from available fraud prevention messages, the account related message including a telephone number in conjunction with a request for the account holder to call the telephone number and a photograph of the account holder;a display on a face of the card for displaying the account-related message received through the signal receiving mechanism; anda processor disposed on the card for controlling the appearance of the account-related message on the display of the card. 14. The device of claim 13, wherein the display comprises an LEP display. 15. The device of claim 13, further comprising a signal transmission component for sending messages to a host of the remotely located message control engine. 16. The device of claim 13, further comprising multiple selectable display modes. 17. The device of claim 16, wherein the multiple selectable display modes comprise at least a screen saver mode and a message viewing mode. 18. The device of claim 13, further comprising a communication mechanism for communicating with a point of purchase device. 19. The device of claim 18, wherein the point of purchase device is a POS terminal and the communication mechanism comprises at least one magnetic strip. 20. The device of claim 18, wherein the point of purchase device is a smart card reader and the communication mechanism comprises exposed contacts. 21. The device of claim 13, wherein the account-related message is a promotional message prompting communication from the cardholder. 22. The device of claim 13, wherein the account-related message is a fraud prevention message prompting communication from the cardholder. 23. The device of claim 13, wherein the account-related message is a service oriented message requesting communication from the cardholder. 24. A computer-implemented method for automatically conveying information from a message control engine to a card associated with a financial account, the card having a signal receiving mechanism, the method comprising: detecting an event associated with the financial account, the event including an attempted transaction to access the financial account, the detection occurring at a host computer located remotely from the card, the host computer including a computer memory for storing instructions and a computer processor accessing the computer memory and implementing an event detection module;selecting a message corresponding to the event using a message selection component of the host computer, wherein the account-related message is selected from available fraud prevention messages, the account related message including a telephone number accompanied by a request for the account holder to call the telephone number and a photograph of the cardholder;generating the selected message using a message generation module;transmitting the generated message using the message generation module of the host computer directly to the signal receiving mechanism on the card using a radio frequency signal; anddisplaying the transmitted message on a display positioned on a face of the card. 25. The method of claim 24, further comprising providing a message repository for storing account-related messages, wherein the message selection component selects the account-related message from the message repository. 26. The method of claim 24, further comprising triggering generation of time dependent messages related to the financial account through a calendar component. 27. The method of claim 24, further comprising detecting card usage at a POS terminal. 28. The method of claim 27, further comprising detecting card usage at the POS terminal as a result of a transmission from the POS terminal. 29. The method of claim 27, further comprising detecting card usage at the POS terminal as a result of transmission from the card. 30. The method of claim 24, further comprising requesting further communication from a card holder through the displayed message. 31. The method of claim 30, wherein the further communication comprises one of telephone communication and Internet communication. 32. The method of claim 24, further comprising transmitting a promotional message. 33. The method of claim 24, further comprising transmitting a fraud prevention message requesting user validation in order to complete the detected event. 34. The method of claim 24, further comprising transmitting a service oriented message related to the financial account.
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