NFC enabled card for consumer accessibility

Abstract

To provide a contactless card, a method and a system for modifying the operation of a secondary device including an automated teller machine.SOLUTION: A contactless card useful for adjusting the operation, configuration, and / or performance of a secondary device includes a communication interface which allows the contactless card to transmit information to the secondary device using NFC signals. The contactless card stores accommodation information related to a physical accommodation desired by the user and transmits the information in a format of an accommodation message to the secondary device after being placed in an NFC field generated by the secondary device. The contactless card may request an authentication certificate in order to determine a degree of trust prior to sending an accommodation message. The contactless card may adjust accommodation information to be included in the accommodation message based on the authentication certificate received from the secondary device.SELECTED DRAWING: Figure 5

Description

CROSS-REFERENCE TO RELATED APPLICATIONS

[0001] This application claims priority to U.S. Patent Application No. 16 / 600,618, filed October 14, 2019, and allowed September 15, 2020, U.S. Patent No. 10,776,775, the disclosure of which is incorporated herein by reference in its entirety. [Technical Field]

[0002] SUMMARY The present disclosure relates to contactless cards configured to alter the operation of secondary devices, including automated teller machines. [Background technology]

[0003] Communication using contactless cards is useful in many applications. These applications primarily involve the transmission of digital information with little impact on the physical world affecting the user. Furthermore, the use of contactless cards often requires interaction with devices or equipment that may be inaccessible to users who lack full or conventional use of their bodies and / or senses.

[0004] Using devices such as automated teller machines (ATMs) can be difficult for wheelchair users, users with limited vision, users with tremors, or users with other physical disabilities. For example, conventional ATM designs may prevent wheelchair users from positioning themselves close enough to the ATM to reach the buttons and / or screens necessary to operate the ATM. Furthermore, users with tremors may be unable to use touchscreens without accidentally touching unintended portions of the touchscreen. Users with limited range of motion may be unable to raise their arms high enough to operate conventional ATMs. These are just a few of the ways that users with limited physical and / or sensory use may be unable to use ATMs and various other devices.

[0005] Some devices, such as ATMs and mobile devices, are equipped with various accessibility settings, but enabling these settings can be very difficult. For example, a visually impaired user may not be able to operate the commands and settings required to activate a voice command feature. However, until a voice command is activated, the visually impaired user may not be able to use the device.

[0006] These and other deficiencies exist, and therefore there is a need for a contactless card configured to communicate with a secondary device to transmit accommodation information that facilitates use of the device by a user. By allowing a user to communicate with a secondary device and adjust settings and / or configurations of the secondary device using a contactless card, users who would otherwise be unable to use the secondary device can make better use of the secondary device. Summary of the Invention

[0007] The purpose of this disclosure is to describe a contactless card that can communicate user-related convenience information to a secondary device using near field communication (NFC), Bluetooth®, or other contactless communication signals.

[0008] It is a further object of the present disclosure to describe a secondary device that is designed to reconfigure its physical form and / or settings to provide convenience to users who desire that convenience.

[0009] An embodiment of the present disclosure provides a system including a contactless card including a processor, a memory, and a contactless communication interface. The memory includes an applet and physical convenience information associated with one or more physical conveniences. After the contactless card enters a contactless communication field generated by a secondary device, the applet is configured to request an authentication certificate from the secondary device via the contactless communication interface of the contactless card and, upon receiving the authentication certificate, generate an accommodation message based on the physical convenience information for transmission to the secondary device via the contactless communication interface of the secondary device. Upon receiving the accommodation message, the secondary device is configured to perform at least one accommodation action.

[0010] An embodiment of the present disclosure provides a method for providing convenience, the method including the steps of: detecting by a secondary device that it has entered a contactless communication area of ​​a card (wherein the card includes a processor, a memory containing convenience information related to user-preferred conveniences, and a communication interface); receiving by the secondary device the convenience information from the card via the contactless communication area; and adjusting by the secondary device a configuration of the secondary device in accordance with the received convenience information.

[0011] An embodiment of the present disclosure provides a contactless card comprising a processor, a memory including an applet and physical convenience information, and a contactless communication interface configured to establish contactless communication with a secondary device configured to perform one or more convenience operations. Upon establishing contactless communication with the secondary device, the applet is configured to generate a convenience message for transmission to the secondary device via the contactless communication interface based on the physical convenience information and the trust level, and the applet is configured to encrypt the convenience message before transmitting it to the secondary device.

[0012] Further features of the disclosed design and advantages offered thereby are described in more detail below with reference to specific exemplary embodiments that are illustrated in the accompanying drawings. [Brief explanation of the drawings]

[0013] [Figure 1] 1 illustrates a contactless card-based physical convenience system according to an exemplary embodiment; [Figure 2] 1 illustrates a physical convenience system utilizing contactless cards and secondary devices in communication with a server and database according to an exemplary embodiment. [Figure 3] 1 illustrates a contactless card according to an exemplary embodiment. [Figure 4] 1 illustrates a secondary device according to an exemplary embodiment. [Figure 5] 1 illustrates a flowchart of a method for providing convenience to a user, according to an exemplary embodiment.

[0014] [Figure 6] 1 illustrates a flowchart of a method for providing benefits to a user based on an authentication credential from a secondary device, according to an exemplary embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0015] The following description of the embodiments provides non-limiting representative examples that refer to numbers to particularly illustrate the features and teachings of different aspects of the present invention. It will be recognized from the description of the embodiments that the described embodiments can be implemented individually or in combination with other embodiments. Those skilled in the art who review the description of the embodiments will be able to learn and understand the various described aspects of the present invention. The description of the embodiments will facilitate understanding of the present invention to the extent that other embodiments not specifically covered but within the knowledge of those skilled in the art who read the description of the embodiments will be understood to be consistent with the application of the present invention.

[0016] By employing a contactless communication interface, a contactless card may be provided with a way to interact and communicate with a secondary device, such as an ATM, a mobile device, a kiosk, a computer, or a smartphone. The communication between the contactless card and the secondary device may involve, for example, the EMV protocol that underlies many credit card transactions, and includes an authentication process.

[0017] In some embodiments, contactless cards may be used by users who desire some form of convenience to facilitate use of the secondary device. For example, a wheelchair user may desire to use an ATM, but the physical configuration of the ATM may prevent the user from easily reaching the controls necessary to operate the ATM. The wheelchair user may not be able to reach high enough to operate the ATM, or the body of the ATM may prevent the wheelchair user from getting close enough to reach the ATM's controls.

[0018] In some embodiments, a user may place a contactless card in a contactless communication field, such as an NFC area, generated by the ATM, thereby establishing communication between the ATM and the contactless card. The contactless card may transmit convenience information stored in the contactless card's memory to the ATM, thereby instructing the ATM to adjust its settings to accommodate the user through convenient operations. In some exemplary embodiments, the ATM is designed to lower or reconfigure the height of the controls required to more easily operate the ATM for wheelchair users. In some embodiments, the ATM may adjust font size, contrast, color settings, and / or screen brightness to accommodate users with limited vision. In some embodiments, the ATM may activate a microphone, activate a speaker, activate voice commands, activate a screen reader, and / or increase the volume. In some embodiments, the ATM may utilize a touchscreen as an input / output device. In some embodiments, to accommodate users with tremors and / or limited mobility, the virtual buttons on the touchscreen may be increased in size and / or require a longer touch to activate. In some embodiments, the touchscreen may ignore touches that are brief or light.

[0019] In another example, a user with limited vision may wish to use a mobile device, such as a smartphone, but may be unable to identify the functions necessary to operate the mobile device. In some embodiments, the user may place a contactless card within an NFC field generated by the mobile device, thereby establishing communication between the mobile device and the contactless card. The contactless card may transmit convenience information to the mobile device, thereby instructing the mobile device to, for example, increase screen brightness, increase contrast, change color settings, activate a screen reader, and / or activate voice commands, thereby enabling the user to operate the mobile device.

[0020] By using NFC or other short-range contactless communications to transmit convenience information to a secondary device, users who may have limited vision, hearing impairments, limited mobility, or other disabilities can interact with the secondary device in a manner more suited to their individual needs. A person who uses a wheelchair may have difficulty operating a conventional ATM designed to be used by a standing adult, but could use the ATM if the input device was lowered to a more appropriate height. A person with limited vision may have difficulty seeing a display screen, but could operate the secondary device if voice commands were activated. A user with a hearing impairment may not be able to place an order using a voice-activated kiosk, but could use a teletyper if one were available. A user with a tremor may not be able to type reliably or press small buttons, but could use a contactless card to transmit information to a secondary device and auto-populate common forms or fields. By making gestures with a contactless card in the NFC area of ​​the secondary device, a user can transmit convenience information and perform convenience actions to the secondary device, thereby making it easier for the user to operate these devices. Because the NFC zone can encompass a large area surrounding the secondary device, the user does not need to perform delicate and precise actions such as inserting a card into a card reader or pressing a series of small buttons. Many users, including those with disabilities, can make gestures with a contactless card within the NFC zone of a secondary device to transmit information as described herein.

[0021] It is understood that the exemplary convenience operations presented herein are for illustrative purposes only, and while embodiments are often described in the context of an ATM, one of ordinary skill in the art will understand that the disclosed contactless cards may also be used to alter the operation, performance, and / or configuration of kiosks, computers, and / or smartphones, as well as other fixed or mobile devices.

[0022] 1 illustrates an exemplary embodiment of a physical convenience system 100 utilizing a contactless card 110 and a secondary device 150. As discussed further below, system 100 may include contactless card 110 with a processor 120, a memory 130, and a contactless communication interface 140. FIG. 1 also illustrates an exemplary embodiment of secondary device 150 with a processor 160, an input / output device 170, and a contactless communication interface 180.

[0023] 2 illustrates an exemplary embodiment of a physical accommodation system 200. As shown in FIG. 2, in some embodiments, a contactless card 210 includes a processor 215, a memory 220, and a communication interface 235. In some embodiments, the memory 220 includes one or more applets 225 for communicating with a secondary device 240 to transmit accommodation information 230.

[0024] 2, secondary device 240 may include processor 240, input / output device 250, and communication interface 255. In some embodiments, secondary device 240 may communicate with remote server 270 and / or database 275 using network 260.

[0025] 2 illustrates a single instantiation of a component, embodiments of the disclosed system may include any number of components. In some examples, the contactless card may communicate wirelessly, e.g., via NFC or Bluetooth, with the secondary device.

[0026] In some embodiments, the secondary device may be a network-enabled computer. As referred to herein, a network-enabled computer may include, for example, but is not limited to, a computing device or a communications device, including, for example, a server, network appliance, personal computer (PC), workstation, mobile device, telephone, handheld PC, personal digital assistant (PDA), thin client, fat client, Internet browser, or other device. The secondary device may be a mobile device, for example, an Apple® iPhone®, iPod®, iPad®, or any other mobile device running Apple®'s iOS operating system, any device running Microsoft®'s Windows® mobile operating system, and / or any other smartphone or similar wearable mobile device. The secondary device may also be a kiosk, including, but not limited to, a check-in kiosk at a hotel, airport, train station, and / or bus station, a security kiosk for accessing restricted areas, a vending machine for selling products, or an automated teller machine for purchasing goods. The secondary device may also be an ATM or other device for conducting financial transactions.

[0027] In various examples according to the present disclosure, the secondary device may execute one or more applications, such as, for example, software applications that enable network communication and transmission and / or reception of data with one or more components of the disclosed system.

[0028] As shown in FIG. 2 , in some embodiments, contactless card 210 may communicate with secondary device 240, and in some exemplary embodiments, secondary device 240 may communicate with one or more servers 270 via one or more networks 260 and may operate as a respective front-end and back-end pair with server 270. In some embodiments, secondary device 240 may send one or more requests to server 270. The one or more requests may be associated with retrieving data from server 270 and / or database 275. The data may be associated with a user, authentication credentials, authentication messages, and / or convenience actions. Server 270 may receive one or more requests from secondary device 240. Based on the one or more requests from secondary device 240, server 270 may be configured to retrieve the requested data from one or more databases 275. Based on receiving the requested data from the one or more databases, server 270 may be configured to transmit the received data to secondary device 240, where the received data is responsive to the one or more requests.

[0029] In some embodiments, the disclosed system may include one or more networks. In some examples, the network may be one or more of a wireless network, a wired network, or any combination of a wireless network and a wired network, and may be configured to connect the secondary device to the server. For example, the network may include one or more of an optical fiber network, a passive optical network, a cable network, an Internet network, a satellite network, a wireless LAN, a Global System for Mobile Communications (GSM), a Personal Communication Service (PCS), a Personal Area Network, a Wireless Application Protocol (WAP), a Multimedia Messaging Service (MMS), an Enhanced Messaging Service (EMS), a Short Message Service (SMS), a Time Division Multiplexing (TDM)-based system, a Code Division Multiple Access (CDMA)-based system, D-AMPS, Wi-Fi®, fixed wireless data, IEEE 802.11b, 802.15.1, 802.11n, and 802.11g, Bluetooth®, NFC, Radio Frequency Identification (RFID), Wi-Fi®, etc.

[0030] Additionally, the network may include, but is not limited to, a telephone line, optical fiber, IEEE Ethernet 902.3, a wide area network (WAN), a wireless personal area network, a local area network (LAN), or a global network such as the Internet. Furthermore, the network may support an Internet network, a wireless communication network, a cellular network, or the like, or any combination thereof. The network may further include one or more of the above exemplary types of networks operating as a standalone network or operating in cooperation with one another. The network may also convert from one or more protocols of the network devices to other protocols.

[0031] Although network 260 is depicted in FIG. 2 as a single network, it should be understood that, according to one or more examples, the network may include multiple interconnected networks, such as, for example, the Internet, a service provider network, a cable television network, an enterprise network such as a credit card association network, and a home network.

[0032] The disclosed system may include one or more servers. In some examples, the server may include one or more processors coupled to a memory. The server may be configured as a central system, server, or platform for controlling and retrieving various data at various times to perform multiple workflow operations. The server may be configured to connect to one or more databases. The server may be connected to at least one secondary device.

[0033] In some examples, the contactless card may communicate wirelessly, e.g., NFC, with the secondary device. In some embodiments, the contactless card may communicate with the secondary device through other technologies, including, but not limited to, Bluetooth, Bluetooth LE, satellite, WiFi, wired communication, and / or any combination of wireless and wired connections. According to some embodiments, the contactless card may be configured to communicate with a card reader of the secondary device through NFC or Bluetooth signals when the contactless card is within range of the card reader. In other examples, communication with the contactless card may be achieved through a physical interface, e.g., a Universal Serial Bus interface, a touchpad, or a card swipe interface. In some examples, the contactless card includes a display, e.g., an e-ink or LCD display. In such embodiments, the contactless card may be configured to display a computer-readable code, e.g., a QR code, that can be scanned by the secondary device. The contactless card may be configured to communicate with the secondary device via the disclosed computer-readable code.

[0034] In some embodiments, the disclosed contactless cards are payment cards such as credit cards, debit cards, or gift cards. Information about the issuer, cardholder, and affiliated merchants may be displayed on the front or back of the card. In some examples, the payment card may include a dual-interface contactless payment card. In some embodiments, the contactless card is not related to a payment card and may include, but is not limited to, an identification card, a security card, a loyalty card, a smart card, and / or an access card.

[0035] A contactless card may include a substrate, which may include a single layer or one or more laminated layers of plastic, metal, and other materials. Exemplary substrates include polyvinyl chloride, polyvinyl chloride acetate, acrylonitrile butadiene styrene, polycarbonate, polyester, anodized titanium dioxide, palladium, gold, carbon, paper, and biodegradable materials. In some examples, a contactless card may have physical characteristics conforming to the ID-1 format of the ISO / IEC 7810 standard, and other contactless cards may conform to the ISO / IEC 14443 standard. However, it is understood that contactless card embodiments according to the present disclosure may have a variety of characteristics, and the present disclosure does not require that a contactless card be implemented as a payment card.

[0036] An exemplary embodiment of a contactless card is shown in Figure 3. As shown in Figure 3, a contactless card 310 includes a processor 320, a memory 330, a communication interface 340, a battery 350, a visual display 360, and a contact pad 370.

[0037] In some embodiments, the contactless card may include a magnetic strip or tape, which may be located on the back of the card (not shown). It is understood that particular embodiments of contactless cards may include additional components such as processors, memory, error and parity / CRC checkers, data encoders, anti-collision algorithms, controllers, command decoders, security primitives, and tamper-proof hardware necessary to perform the various functions described herein.

[0038] In some embodiments, the memory may be read-only memory, write-once read-multiple memory, or read / write memory, such as RAM, ROM, or EEPROM, and the contactless card may include one or more of these memories or a combination of these memories. Read-only memory may be factory programmable as read-only or programmable once. One-time programmability provides the opportunity to write once and read many times. Write-once / read-multiple memory may be programmed at a time after the memory chip leaves the factory. Write-once memory, once programmed, cannot be rewritten but can be read many times. Read / write memory may be programmed and reprogrammed many times after leaving the factory and can be read many times. Memory may be volatile or non-volatile. It will be understood that in embodiments with volatile memory, a power source, such as a battery, may be connected to power the memory.

[0039] The memory may be configured to store one or more applets, one or more counters, and / or a customer identifier. The one or more applets may include one or more software applications configured to run on a contactless card, such as one or more Java Card applets. However, it is understood that the applets are not limited to Java Card applets, but may instead be any software application capable of running on a contactless card or other device having limited memory.

[0040] The applet may be added to a contactless card to provide a one-time password (OTP) for multi-factor authentication (MFA) in various mobile application-based use cases. The applet may be configured to respond to one or more requests, such as a Near Field Data Exchange (NDEF) request, from a reader, such as a mobile NFC reader, and generate an NDEF message that includes the cryptographically secure OTP encoded as an NDEF text tag.

[0041] The one or more counters may comprise a numeric counter sufficient to store an integer number. The customer identifier may include a unique alphanumeric identifier assigned to a contactless card user, which identifier may distinguish the contactless card user from other contactless card users. In some examples, the customer identifier may identify a customer, an account, and / or a profile assigned to the customer, and may further identify a contactless card associated with the customer, account, and / or profile.

[0042] Some exemplary embodiments of the contactless card include a battery. In some embodiments, the battery may be rechargeable. The battery is electrically connected to the processor. In embodiments of the contactless card that include a battery, the battery may power the processor, memory, communication interface, and any other components of the contactless card.

[0043] Some contactless card embodiments may include identification information displayed on the front and / or back of the card and / or a contact pad, which may be configured to establish contact communication with a secondary device equipped with a corresponding card reader.

[0044] Some embodiments of the contactless card include a visual display. The visual display may be any type of display that presents visual information to a user, including, but not limited to, electronic paper, e-ink, an LCD display, an LED indicator, and / or an LED display. The visual display may be in data communication with the processor and configured to provide information to the user across multiple applications. In some embodiments, the visual display may be configured to notify the user when the card enters or is removed from the NFC field of the secondary device. In some embodiments, the visual display may display the card number, expiration date, username, and / or other information associated with the financial card.

[0045] FIG. 4 illustrates an exemplary embodiment of a secondary device. As shown in FIG. 4, in some embodiments, secondary device 410 includes a processor 420, an input / output device 430, a communication interface 440, a card reader 450, and an application 460. In exemplary embodiments, secondary device 410 may execute one or more applications 460. The one or more applications 460, e.g., software applications, may be configured to enable network communication with, for example, one or more components of the disclosed system, to transmit and / or receive data. Card reader 450 may be configured to read from and / or communicate with a contactless card.

[0046] Any application on the secondary device may communicate with the contactless card using short-range wireless communication (e.g., NFC, Bluetooth, and / or Bluetooth LE). The application may be configured to interface with a card reader on the secondary device configured to communicate with the contactless card. Those skilled in the art will appreciate that a distance of less than 20 centimeters corresponds to the NFC range. Additionally, adjusting the power output associated with the communication interface may limit the signal to a range shorter than approximately 20 centimeters.

[0047] The contactless card may be built on a software platform operable on a smart card or other device with limited memory, such as Java Card, on which one or more applications or applets may be securely executed. The applet may be stored in memory to provide enhanced functionality. The applet may be configured to respond to one or more requests from a secondary device or a card reader, such as an NFC reader, and generate an NDEF message containing a cryptographically secure OTP encoded as an NDEF text tag. It will be appreciated that other cryptographically secure communication methods may be utilized. In some embodiments, the level of encryption may be related to the need for protection of the information transmitted by the contactless card. In some embodiments, the benefit information may be encrypted with the public key of the requesting device. In some embodiments, the benefit information may be signed or authenticated with a private key associated with the contactless card. In such embodiments, the private key may indicate to the secondary device that the benefit provision is authentic and can be trusted.

[0048] In some embodiments, the communication interface of the contactless card may be configured to establish bidirectional communication with the secondary device, and the communication may be established using any known frequency, method, or technology, including NFC and / or Bluetooth® signals.

[0049] In some embodiments, the contactless card is a payment card associated with a profile. In such embodiments, the contactless card may include information associated with the profile, including, but not limited to, an account number, a username, an expiration date, and / or a card verification value. This information may be visually presented on the card itself, embossed on the card, displayed by a visual display, encoded on a magnetic strip, and / or stored in the card's memory. Disclosed embodiments of contactless cards also include convenience information.

[0050] In some exemplary embodiments, the convenience information includes, but is not limited to, medical data, information regarding disabilities, handicaps, and / or impairments, and / or information regarding the user's vision, hearing, user's mobility, height, movement patterns, prosthetic devices, and / or mobility devices. In some embodiments, the convenience information may include, but is not limited to, information related to the settings, configuration, operation, and / or orientation of the secondary device.

[0051] In one exemplary use, a user with limited vision wishes to use an ATM. The ATM is equipped with a contactless communication interface. The user places a contactless card within an NFC field created by the ATM. The communication interface of the contactless card transmits convenience information to the ATM. In some embodiments, the convenience information is converted into a convenience message, and the convenience message is transmitted to the secondary device. Upon receiving the convenience message, the secondary device performs a convenience action. In this exemplary embodiment, the convenience message instructs the ATM to perform a convenience action of increasing the brightness, contrast, and font size of the ATM's display. Once the brightness, contrast, and font size of the ATM's display have been adjusted, the user with limited vision can use the ATM.

[0052] In one exemplary use, a hearing-impaired user wishes to use a kiosk. The kiosk is equipped with a contactless communication interface. The user places a contactless card within an NFC field generated by the kiosk. The contactless card's communication interface transmits convenience information to the kiosk. In some embodiments, the convenience information is converted into a convenience message, which is transmitted to a secondary device. Upon receiving the convenience message, the secondary device performs a convenience action. In this exemplary embodiment, the convenience message instructs the kiosk to provide the user with a teletype (TTY), a telecommunications device for the deaf (TDD), or a text telephone (TT). These convenience devices allow the hearing-impaired user to send messages using a keyboard and receive messages using a display screen. In some embodiments, the kiosk may include a display screen and may automatically present communications on the display screen in addition to audibly communicating messages using a speaker. In some embodiments, the kiosk uses a text-to-speech program to convert voice communications into text messages that are displayed on the display screen. In some embodiments, upon receiving the convenience message, the kiosk may contact a relay service that provides a human operator to convert the communication from text form to audible form or vice versa. It will be understood that the terms "teletype," "communication device for the deaf," and "text telephone" may be used interchangeably.

[0053] In some embodiments, the contactless card transmits a convenience message instructing the secondary device to perform a convenience action of activating a voice comment. Once the voice command is activated, the user may utilize the secondary device, although the initial step of activating the voice command may require the use of a traditional input / output device associated with the secondary device. By placing the contactless card in an NFC region associated with the device, the user can instruct the secondary device to adjust settings in a desired manner, thereby allowing users who would otherwise be unable to activate accessibility features to more fully utilize the secondary device.

[0054] In some embodiments, the contactless card requests an authentication certificate from the secondary device before transmitting the convenience information. In some embodiments, the contactless card modifies what convenience information is transmitted based on the received authentication certificate. For example, if the contactless card requests an authentication certificate and receives an authentication certificate indicating a low-trust secondary device, the contactless card may only transmit instructions to modify the secondary device's configuration. In some embodiments, the authentication certificate may indicate a higher trust level, in which case the contactless card may transmit convenience information that includes the user's medical data or other sensitive information.

[0055] In some embodiments, a public key and / or certificate chain may be used to establish trust between the contactless card and the secondary device. Furthermore, by using a certificate chain, a single authority can provide multiple secondary devices, with each secondary device identified as originating from a particular trusted authority. For example, a contactless card may be configured to trust all ATMs from a particular bank, rather than identifying each individual ATM that the contactless card trusts. In some embodiments, the contactless card may be configured to trust any secondary device that has been certified by a particular third party. In such an example, the certification authority may be able to verify the secondary device. The secondary device may be configured to transmit an authentication certificate indicating that the device has been verified by the certification authority and is therefore trustworthy.

[0056] In some embodiments, a user places a contactless card within an NFC field associated with a mobile device. The contactless card may transmit convenience information that instructs the mobile device to auto-fill a form. In some embodiments, the transmitted convenience information may include the user's personal and / or financial data, thereby enabling the mobile device to auto-fill a payment form. In exemplary embodiments, this information may include the user's credit card number, expiration date, security code, PIN number, password, and / or address. By allowing users to auto-fill payment information, users with limited vision, limited mobility, and / or tremors may be able to more easily make purchases or otherwise utilize their mobile devices.

[0057] In some embodiments, a contactless card placed within the NFC region of a mobile device may transmit a universal resource locator (URL) that instructs the phone to activate an accessibility feature, such as, for example, increasing the volume and / or initiating a voice command. In some embodiments, the transmitted information and / or URL instructs the secondary device to perform a routine action, such as, for example, increasing the volume by three levels. In such embodiments, a user can fine-tune the secondary device by repeatedly bringing a contactless card into the NFC region of the secondary device.

[0058] In some embodiments, the contactless card generates and transmits a URL that deep links to a particular feature of a secondary device, such as a mobile device. The deep link URL may, for example, open a navigation or settings window that typically requires multiple navigation steps to access.

[0059] In one exemplary embodiment, a user may place a contactless card within the NFC area of ​​a mobile device. The contactless card may transmit a URL that deep links to the brightness control settings on the mobile device. The user may then be able to directly adjust the brightness settings on the mobile device rather than having to navigate several distinct steps before accessing the brightness control.

[0060] In some embodiments, the secondary device verifies that the user is satisfied with the adjustments made based on the transmitted benefit information. If the user is satisfied, the secondary device may record this information. If the user is not satisfied, the secondary device may make further adjustments to increase the user's satisfaction. In some embodiments, the secondary device records the additional adjustments and responds accordingly to future benefit information. In embodiments where the contactless card is configured for two-way communication, the secondary device may send updated benefit information to the contactless card indicating the particular benefits the user indicated they were satisfied with. A periodic feedback loop may be established to update the benefit information on the contactless card to adapt to the user's changing needs and / or preferences.

[0061] In some embodiments, contactless cards may be used at points of sale and / or kiosks and transmit convenience information related to a user's age. If the contactless card requests an authentication credential and receives a trusted credential, the contactless card may transmit the user's birthdate. Alternatively, if the contactless card receives a less trusted authentication credential, the contactless card may transmit information to a secondary device indicating that the user is over a certain age but not the user's birthdate. For example, a contactless card may transmit information to a purchasing kiosk indicating that the user is over 21 years old without transmitting the user's birthdate. In such embodiments, a user may be able to purchase alcohol, tobacco, or other age-restricted products without a human operator having to verify the user's identity.

[0062] In some embodiments, a contactless card may be used to access a transit system. In some embodiments, a user may place the contactless card within an NFC area at an entrance and / or security kiosk. The contactless card may transmit information indicative of the user's handicap, disability, and / or impairment, and the transit system may respond by holding a door open for an extended period of time, lowering or eliminating a step, extending a handle and / or handrail, and / or sending a notification to an employee.

[0063] In some embodiments, the secondary device may be a check-in kiosk at an airport or hotel. In some embodiments, a user may place a contactless card within the NFC area of ​​the check-in kiosk, and the contactless card may transmit accommodation information to the kiosk. The kiosk may respond, for example, by notifying staff, ensuring that a wheelchair is provided to the user, and / or confirming with security personnel that the user has a genuine medical need for a wheelchair, prosthetic device, or other device.

[0064] In some embodiments, a contactless card may be utilized with a mobile device to adjust settings and / or configurations of the mobile device. Additionally or alternatively, the contactless card may be used to transmit information to an application running on the mobile device. In one non-limiting example, a user may place a contactless card within the NFC range of a mobile device. The contactless card may transmit information that instructs the mobile device to activate various accessibility features. The user may then open a ride-sharing application on the mobile device. The contactless card may then notify the ride-sharing application that the user needs a wheelchair accessible vehicle.

[0065] In some embodiments, the contactless card may transmit convenience information to the secondary device if the user is not handicapped, disabled, or impaired. In some embodiments, the user may utilize the contactless card to implement a convenience preference rather than a necessity. If the user prefers to use voice commands rather than the standard input and output of the secondary device, the user may utilize the contactless card to activate the voice command functionality of the secondary device. In some embodiments, the user may prefer, for example, to adjust the color and / or brightness settings of the device to preferred settings, including lowering the brightness and / or contrast of the device. It is understood that any and / or all of the potential modifications discussed in the context of the convenience information may be utilized as a preference rather than a necessity. In such embodiments, the contactless card may be used to streamline the configuration of the secondary device rather than making a series of adjustments to settings associated with the device.

[0066] FIG. 5 is a flowchart illustrating the operation of an exemplary embodiment of the disclosed convenience system. Method 500 includes, in step 505, providing a card including a processor, a memory containing convenience information related to a user's preferred conveniences, and a communications interface. It will be understood that the user's convenience information is pre-loaded on the card. Step 510 includes tapping the card to the secondary device. When the card is tapped to the secondary device, the card is necessarily placed within wireless communication range of the secondary device, e.g., within an NFC range. In step 515, the card transmits the convenience information from the card to the secondary device. The transmitted information may be stored in the card's memory. In some embodiments, this step includes generating a URL that deep links to a desired function on the secondary device and transmitting the URL to the secondary device. Step 520 includes adjusting the configuration of the secondary device in response to the convenience information transmitted from the card. In some embodiments, once the secondary device has been adjusted in response to the convenience information transmitted from the card, the user may thereafter be able to better use or operate the secondary device without further assistance.

[0067] In some embodiments, the secondary device may take additional optional steps to provide a better convenience to the user. In some embodiments, in step 525, the secondary device automatically fills in a form in response to receiving the convenience information. In some embodiments, step 530 includes the secondary device notifying a third device associated with a third party of the user's preferred convenience. This allows a system of devices or staff to assist the user and require only a single use of the contactless card by the user.

[0068] In some embodiments, the secondary device is an automated teller machine (ATM), and step 535 includes lowering the height of the ATM input device in response to the transmitted information.

[0069] In some embodiments, the secondary device is a mobile phone, and step 540 includes increasing the font size on the mobile phone in response to the transmitted information.

[0070] FIG. 6 is a flowchart illustrating the operation of an exemplary embodiment of the disclosed convenience system. Method 600 includes, in step 605, providing a card including a processor, a memory containing convenience information related to a user's preferred conveniences, and a communications interface. Step 610 includes tapping the card to a secondary device, thereby placing the card within the NFC range of the secondary device. Before transmitting the convenience information to the secondary device, in step 615, the card requests an authentication certificate from the secondary device. The authentication certificate received by the card may be used to determine a trust level. Based on this trust level and the secondary device's authentication certificate, in step 620, the card selects convenience information to transmit to the secondary device. Because the convenience information may be sensitive, privacy techniques may be employed when transmitting the convenience information. In step 625, the card limits the strength of a signal transmitting the convenience information so that it can be received by secondary devices in proximity to the card, but not by other devices attempting to eavesdrop on the transmission. Once the power of the transmitted signal has been appropriately limited, the card transmits the convenience information to the secondary device in step 630. Step 635 includes adjusting the secondary device in response to the transmitted accommodation information. Adjusting the secondary device may cover a wide variety of changes, as discussed herein. For example, in step 640, the secondary device auto-fills a form. This may save the user from manually entering information into forms, such as web forms. For a user with limited mobility, this may allow the user to make purchases from an online store, enter the user's address or other contact information, or enter a password to log on to a particular account. In step 645, the secondary device notifies a third device. This may be useful for activating other additional support functions that may not be immediately available from the secondary device. For example, if a user with limited mobility checks in at a hotel kiosk using a disclosed contactless card, the hotel kiosk may send a notification to a front desk computer indicating the user's intention to require wheelchair assistance or assistance moving luggage.In step 650, the secondary device lowers the height of the input device. Users with limited mobility or who may use wheelchairs cannot always reach input devices of standard height. By lowering the input device, these users may be able to operate the secondary device in a conventional manner. In some embodiments, the entire secondary device may be lowered in height, rather than just the input device. In some embodiments, the secondary device includes a large touchscreen, and the input device may be displayed on a lower portion of the touchscreen, virtually lowering the height of the input device. In step 655, the secondary device increases the font size. Increasing the font size may allow users with limited vision, but who are not blind, to use the secondary device. In addition to increasing the font size, the secondary device may increase the brightness and / or contrast to improve the general readability of the display.

[0071] In some embodiments, the physical form factor of a contactless card is similar to or identical to a traditional credit card. The contactless nature of a contactless card allows the card to be used without inserting the card into a traditional card reader. Thus, in some embodiments, a contactless card need not use the form factor of a traditional credit card. In some embodiments, a processor, memory, and communications interface may be incorporated into a pendant designed to be attached to a lanyard, necklace, or bracelet. For users with limited mobility, tremors, or visual impairments, the act of removing a credit card from a wallet and determining it is the correct credit card can be difficult. By presenting a contactless card in a substantially different form factor, the user has a tactile way to identify the card and may not need to manipulate a small, delicate object. In some embodiments, a user may make a gesture with their wrist near the secondary device, thereby positioning the contactless pendant near the secondary device. In some embodiments, this allows the contactless pendant to transmit convenience information and cause the secondary device to adjust accordingly.

[0072] In some embodiments, a contactless card may be presented in a form factor resembling a ball or other object that is easy for a user to hold. In some embodiments, the ball may be deformable, textured, or both. A deformable ball may enable a user with limited hand control to maintain a firm grip on the ball in order to perform gestures with the ball and associated communication interface near the secondary device. Similarly, a textured ball may improve the grip of a contactless payment device presented as a ball. It will be understood that contactless cards may be presented in virtually any shape and are not limited to traditional credit card or spherical ball form factors. In some embodiments, a contactless card may have a small, generally cubic form factor, or an abstract shape configured to fit in a user's hand, or a small shape designed to be worn around a user's neck or arm. Providing contactless payment cards in alternative form factors may enable users who are unable to use traditional payment cards to conduct transactions independently.

[0073] Throughout this specification, reference is made to convenience information and convenience messages. It will be understood that convenience messages may include any portion of convenience information in any form that may be utilized directly or indirectly. Convenience information may include any data, information, tables, charts, comma-separated values, and / or files containing information that may be used directly or indirectly to communicate necessary or desired modifications to a secondary device, or the reasons for such necessary or desired modifications.

[0074] The present disclosure is not limited in terms of the specific embodiments described in this application, which are intended as illustrative of various aspects. Clearly, many modifications and variations can be made without departing from the spirit and scope thereof. In addition to the methods and systems recited herein, functionally equivalent methods and systems within the scope of the present disclosure may become apparent from the foregoing exemplary description. Such modifications and variations are intended to fall within the scope of the appended exemplary claims. The present disclosure is limited only by the terms of the appended exemplary claims and the full scope of equivalents to which such exemplary claims are entitled. It should also be understood that the terminology used herein is used only for the purpose of describing particular embodiments and is not intended to be limiting.

[0075] The foregoing description, along with its associated embodiments, has been presented for illustrative purposes only. It is not exhaustive and does not limit the invention to the precise form disclosed. Those skilled in the art will recognize from the foregoing description that modifications and variations are possible in light of the above teachings or may be acquired from practicing the disclosed embodiments. For example, the described steps need not be performed in the same order or with the same degree of separation as discussed. Similarly, various steps may be omitted, repeated, or combined as necessary to achieve the same or similar purpose. Therefore, the present invention is not limited to the foregoing embodiments, but instead is defined by the appended claims along with their full scope of equivalents.

[0076] In the foregoing specification, various preferred embodiments have been described with reference to the accompanying drawings. However, it may be apparent that various modifications and changes may be made thereto and additional embodiments may be implemented without departing from the broader scope of the invention as defined in the following claims. Accordingly, the specification and drawings are to be regarded in an illustrative rather than a restrictive sense.

Claims

1. a contactless card including a processor, a memory, and a contactless communication interface; the memory includes applets and physical convenience information associated with one or more physical conveniences; After the contactless card is placed in a contactless communication area created by a secondary device, the applet: requesting an authentication certificate from the secondary device via the contactless communication interface of the contactless card, the authentication certificate including a trust level; Upon receiving the authentication credential, generate an accommodation message based on the physical accommodation information and the trust level for transmission to the secondary device via a contactless communication interface of the secondary device. It is configured as follows: Upon receiving the convenience message, the secondary device is configured to perform at least one convenience action. system.

2. The secondary device may include one or more input / output devices selected from the group consisting of a display screen, a speaker, a light source, a touch screen, engraved characters, a microphone, a camera, a keyboard, a rollerball, or a button. the at least one expedient action includes one or more of adjusting at least one setting of the one or more input / output devices; The system of claim 1 .

3. 2. The system of claim 1, wherein adjusting at least one setting of the one or more input / output devices includes at least one of increasing font size, increasing volume, increasing contrast, increasing brightness, adjusting color settings, activating a microphone, increasing button size, decreasing touchscreen sensitivity, or adjusting touchscreen input behavior.

4. The system of claim 1 , wherein the physical accommodation information includes at least one of a desired font size, a contrast setting, a brightness setting, a color setting, an input method, an output method, or a height of an input / output device.

5. The system of claim 1 , wherein the contactless communication interface of the contactless card and the secondary device is a near field communication (NFC) interface.

6. The system of claim 5 , wherein the convenience message is a message in an NFC data exchange format.

7. The system of claim 1 , wherein the secondary device is an automated teller machine (ATM), a kiosk, a computer, or a mobile device.

8. The system of claim 7 , wherein the secondary device is configured to initiate a voice command upon receiving the message of opportunity.

9. the secondary device is a public transit vehicle; the public transport vehicle is configured to increase a waiting time upon receiving the convenience message. The system of claim 1 .

10. the secondary device is a check-in kiosk; the check-in kiosk notifies a third device associated with the third party upon receiving the convenience message; The system of claim 1 .

11. The system of claim 1 , wherein the memory further comprises information relating to user identity and financial information.

12. 1. A method for providing a facility, comprising: detecting by the secondary device entry into a contactless communication area of ​​a card including a processor, a memory including convenience information related to user preference conveniences, and a communication interface; sending, by the secondary device, an authentication certificate to the card, the authentication certificate including a trust level; receiving, by said secondary device, convenience information from said card via a contactless communication area; and adjusting, by the secondary device, a configuration of the secondary device in response to the received expediency information. method.

13. The method of claim 12 , wherein the secondary device auto-fills a form in response to the received accommodation information.

14. The method of claim 12 , wherein the secondary device notifies a third device associated with a third party of the received convenience information.

15. The method of claim 12 , wherein the card is configured to generate a URL that deep links to a desired feature on the secondary device and transmit the URL to the secondary device.

16. 13. The method of claim 12, wherein the secondary device is an automated teller machine (ATM), and the ATM lowers a height of an input device in response to the received accommodation information.

17. 13. The method of claim 12, wherein the secondary device is a mobile phone, and the mobile phone increases a font size in response to the received convenience information.

18. 13. The method of claim 12, further comprising the steps of: the card requesting an authentication token from the secondary device; and selecting convenience information to send to the secondary device based on the received authentication token.

19. 13. The method of claim 12, further comprising limiting the strength of the signal transmitted by the card to limit the range of the signal to a predetermined distance.

20. a processor; a memory containing applet and physical convenience information; a contactless communication interface; A contactless card comprising: the contactless communication interface is configured to establish contactless communication with a secondary device configured to perform one or more advantageous operations; Upon establishing contactless communication with the secondary device, the applet: Requesting an authentication certificate from the secondary device, the authentication certificate including a trust level; generating an accommodation message for transmission to the secondary device via the contactless communication interface based on the physical accommodation information and the trust level; It is configured as follows: the applet is configured to encrypt the convenience message before sending it to the secondary device; Contactless card.

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