Stored-value card-to-card direct communication

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 11531979
APP PUB NO 20210304189A1
SERIAL NO

16827908

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Abstract

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A method for performing a card-to-card direct contactless transaction between a first active stored-value smart card (“SVSC”) and a second active SVSC, each comprising an active near-field communication (“NFC”) reader. The method may include activating the first active SVSC by receiving input of a personal identification number (“PIN”) on a keypad located on the first active SVSC, verifying the PIN and further receiving input of a transaction amount on the keypad. The method may further include initiating a wireless NFC communication to perform the transaction by positioning the first active SVSC within a pre-determined distance to the second active SVSC and confirming accuracy of each of the first and second active SVSC using the active NFC reader to retrieve card ID data and confirm accuracy. Following confirming, the method may include directly completing the transaction between the first active SVSC and the second active SVSC.

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Patent Owner(s)

Patent OwnerAddress
BANK OF AMERICA CORPORATIONMAILCODE NC1-028-29-04 ONE BANK OF AMERICA CENTER 150 NORTH COLLEGE ST CHARLOTTE NC 28255

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Gupta, Saurabh New Delhi, IN 249 1762

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