Preference-driven advertising system and method

Abstract

The present disclosure relates to the general fields of consumer data management and mobile services, and in particular to personalized services and preference management. Personalized services enhance the user experience while facilitating various activities such as, but not limited to, advertising, commerce, security, retail, marketing, event / location-driven multimedia, and virtually any type of exchange between an individual and a device by customizing content according to preferences received from the user or user device. Services may be distributed across one or more devices that negotiate with each other to transfer data with owner permission, which may be authorized at the time of the data exchange or, in some embodiments, pre-authorized before the time of the data exchange.

Description

[Technical Field]

[0001] CROSS-REFERENCE TO RELATED APPLICATIONS This application claims priority to U.S. Patent Application No. 17 / 977,130, filed October 31, 2022, which is a continuation-in-part of U.S. Patent Application No. 16 / 866,487, filed May 4, 2020, which is a continuation-in-part of U.S. Patent Application No. 15 / 212,161, now U.S. Patent No. 10,643,245, filed July 15, 2016, which is a continuation-in-part of U.S. Patent Application No. 10,643,245, filed December 2, 2015. This application claims priority to U.S. Provisional Patent Application No. 62 / 262,138, filed on 2015, U.S. Provisional Patent Application No. 62 / 198,817, filed on July 30, 2015, U.S. Provisional Patent Application No. 62 / 198,989, filed on July 30, 2015, and U.S. Provisional Patent Application No. 62 / 192,688, filed on July 15, 2015, the entire contents of which are incorporated herein by reference in their entireties.

[0002] The present disclosure relates to the general field of consumer data management and mobile services, and in particular to personalized services and preference management. [Background technology]

[0003] Today, more information about individuals than ever before is being collected in order to personalize advertising and marketing, as well as products and services. Traditional techniques for collecting data include methods such as various web analytics that collect user behavior on the Internet. Likes and dislikes, clicks on topics, previous search results, and transactional habits are all used by methods such as AdSense to personalize marketing to individual products and services in which individuals have previously shown interest. However, collecting information is more difficult the further away from a computer, where it is frequented by vacationers, shoppers, and the like. Furthermore, some individuals may wish to have information collected from them, while others may not. Similarly, privacy is a concern between consumers who prefer to receive advertising and those who do not.

[0004] It is well known to those skilled in the art that relevance-driven advertising produces better results than common digital marketing and merchandising techniques. WO 2008170176 shows that a method is used in which advertisements can be sent to consumers who have "opted in" to a given advertising network. The advertisements are sent based on the user's personal preferences, while in other systems, directed advertisements are based on the user's search history. EP 2357035 discusses that a method is used in which an advertisement server sends advertisements to an advertisement engine that can receive the advertisements via a given application.

[0005] U.S. Published Patent Application No. 20140136309 describes a method for electronically paying with a single financial card from a single account. The method utilizes an intermediary account to make the payment. A transaction processing request is first sent to an optimization engine, which then processes the information as directed by a database. A second transaction request is then sent to the intermediary account's financial instrument, such as a credit card. In some embodiments, the financial instrument is selected to benefit the consumer. For example, the financial instrument with the highest rewards may be selected. Similar methods are described in the prior art, such as U.S. Published Patent Application No. 20140136353 and International Publication No. 2015009427.

[0006] U.S. Published Patent Application No. 20120130885 describes a method for identifying a purchaser to a given institution. Some systems include methods that use time intervals to add security, while other variations use biometrics to identify the user.

[0007] U.S. Published Patent Application No. 20090287564 describes a method and system for processing transactions, where an account is selected by given computer instructions, which select a trading account based on given compensation information.

[0008] U.S. Patent No. 8,489,112 describes a method and system for sending a reward to a mobile phone when the mobile phone enters an enclosed space. The phone is detected when it responds to ultrasound transmitted by a transmitter within the enclosed space, and a computer server responds by transmitting a reward to the mobile phone. In some versions, the enclosed space is a retail store. The retail store recognizes the reward as having monetary value.

[0009] US Patent Application Publication No. 20130707895 is a method and system for promoting marketing information to mobile devices. The described method utilizes a series of tracking devices and tags in conjunction with a custom sales presentation module to communicate and transmit advertising and monetary reward information to a user's mobile device. The advertising information is displayed graphically to the user, and in some embodiments, the user may respond to the advertisement.

[0010] U.S. Patent Application Publication No. 20130282474 describes a method and system for providing rewards to a mobile computing device. The mobile computing device is a multi-dynamic card that is utilized to receive rewards based on information it provides to a merchant terminal. The more information the card provides, the more rewards are received. The rewards are activated and used only after the multi-dynamic card is presented to the merchant terminal.

[0011] Some prior art, such as the method described in U.S. Patent No. 8,775,241, uses a point-of-sale system to advertise rewards to consumers, allowing users to scroll through a series of different reward options and also storing loyalty information on a smart card. [Prior art documents] [Patent documents]

[0012] [Patent Document 1] International Publication No. 2008170176 [Patent Document 2] European Patent Application Publication No. 2357035 [Patent Document 3] U.S. Published Patent Application No. 20140136309 [Patent Document 4] U.S. Published Patent Application No. 20140136353 [Patent Document 5] International Publication No. 2015009427 [Patent Document 6] U.S. Published Patent Application No. 20120130885 [Patent Document 7] U.S. Published Patent Application No. 20090287564 [Patent Document 8] U.S. Patent No. 8,489,112 [Patent Document 9] US Patent Application Publication No. 20130707895 [Patent Document 10] US Patent Application Publication No. 20130282474 [Patent Document 11] U.S. Patent No. 8,775,241 [Brief explanation of the drawings]

[0013] [Figure 1] Figure 1 shows the welcoming provision of personal service.

[0014] [Figure 2] FIG. 2 illustrates a device for sharing preferences for use in tailoring personal services.

[0015] [Figure 3] Figure 3 shows the IoT environment.

[0016] [Figure 4] Figure 4 shows the service.

[0017] [Figure 5] Figure 5 shows the restrictions on the publication of data.

[0018] [Figure 6] FIG. 6 illustrates providing tailored advertisements on a billboard.

[0019] [Figure 7] FIG. 7 shows a smart card.

[0020] [Figure 8] Figure 8 shows the components of a computer.

[0021] [Figure 9] Figure 9 shows an EMV card. [Figure 10] Figure 10 shows an EMV card. [Figure 11] Figure 11 shows an EMV card.

[0022] [Figure 12] Figure 12 shows the internal structure of an EMV card.

[0023] [Figure 13] Figure 13 shows an EMV card and card reader.

[0024] [Figure 14] Figure 14 shows charging an EMV card. [Figure 15] Figure 15 shows charging an EMV card.

[0025] [Figure 16] FIG. 16 shows a swipe action using an EMV card.

[0026] [Figure 17] Figure 17 shows the EMV contacts.

[0027] [Figure 18] FIG. 18 shows an alternative embodiment for providing a wake-up service. [Figure 19]FIG. 19 shows an alternative embodiment for providing a wake-up service. [Figure 20] FIG. 20 shows an alternative embodiment for providing a wake-up service. [Figure 21] FIG. 21 shows an alternative embodiment for providing a wake-up service.

[0028] [Figure 22] Figure 22 shows proximity detection between two devices.

[0029] [Figure 23] FIG. 23 shows an information providing service.

[0030] [Figure 24] Figure 24 shows the use of the card to conduct a transaction.

[0031] [Figure 25] Figure 25 shows a business transaction. [Figure 26] Figure 26 shows a business transaction.

[0032] [Figure 27] FIG. 27 shows gesture and location PINS. [Figure 28] FIG. 28 shows gesture and location PINS. [Figure 29] FIG. 29 shows a request for check-in information. DETAILED DESCRIPTION OF THE INVENTION

[0033] Before describing in detail specific methods and apparatus relating to mobile services, it is important to understand that mobile services support the transfer of information between individuals and other entities to facilitate personalized transactions such as, but not limited to, travel, entertainment, retail, and finance.

[0034] The presented embodiments are not intended to define limitations on the structures, elements, or methods of the present disclosure, but are intended only to provide exemplary structures. The following embodiments are permissive rather than required, and exemplary rather than exhaustive.

[0035] This application describes several different disclosures related in some way to a person's personal preferences. Detecting or determining those preferences and providing personalized services in response to those services are two aspects of this disclosure. Certain embodiments of this disclosure utilize "so-called" smart cards, including cards with EMV contacts, to determine those preferences and / or provide services.

[0036] Overview of Providing Personalized Services: This disclosure describes methods and systems for securely collecting, managing, and distributing data between two or more devices 10 to facilitate personalized services, as shown in Figure 1. "Personalized services" 30 modify or customize content in response to data received about one or more individuals, devices, and / or objects, hereafter referred to as "entities."

[0037] Personalized services enhance the user experience while facilitating a variety of activities, including but not limited to, advertising, commerce, security, retail, marketing, event / location-driven multimedia, and virtually any type of exchange between an individual and a device by customizing content according to preferences received from the user or user device. Services may be distributed across one or more devices that negotiate with each other to transfer data with the owner's permission, which may be permitted at the time of the data exchange or, in some embodiments, pre-authorized before the time of the data exchange.

[0038] Basic Description: As a non-limiting example, Figure 1 shows a first device 11, in this example a mobile phone, sending and receiving data 20 to a second device 12, in this example a Point of Sale (PoS) terminal, which then personalizes one or more services 50 in response to the data received from the first device. In a simple example, the personalized response may be a welcome by the second individual provided in response to data received from the second device to greet the first individual by name, membership, or other identifying data provided from the first device to the second device.

[0039] As a non-limiting extension to this example, a first device 11 may conduct a transaction with a second device 12, whereby the account selected to make a payment at the first device 11 is suggested (or personalized) to the first device by the second device 10 based, by way of non-limiting example, on preferences, location, merchant, loyalty, rewards, or other information provided by the first or second device 12. One or both of the devices 10 can then send personalized data 20, in this example information specific to this transaction or loyalty / rewards, to the other, or one or both devices 10 may return to one or more remote services 30 or a third device (not shown), which then transmits the data 20 to one or more of the first or second devices 10.

[0040] Some embodiments may provide for the exchange of data between a first device and a second device. For example, if such data is in the form of a token, when the first device is in proximity to the second device and a user of the first device approves exchanging the first token with the second device, the first token on the first device responds to user input. The first token includes at least one token. The at least one token includes sufficient information embedded or referenced to identify the first device, at least in part, by the second device.

[0041] When a first device transmits a first token to a second device and the second device accepts the first token from the first device, the second device automatically transmits a second token to the first device in response to accepting the first token. The first device either accepts or rejects the second token. The exchange of the first and second tokens enables the provision of at least one service to the user, where the at least one service is responsive, in whole or in part, to the first token.

[0042] People like to carry several items with them when shopping, traveling, conducting transactions, dining, etc. Unfortunately, few of these items are convenient to carry while at the beach or pool, and collections of multiple devices are difficult to manage in a pocket while running or other exercise. Cell phones, wallets, room keys, etc. are all items that one might consider must-haves while traveling, but are not necessarily suited to swimming in salt water or activities in the sand. Furthermore, no single device provides a user with all the utilities they may need while vacationing, shopping, or dining.

[0043] To further illustrate the system of personal services 30 responding to data 20 from one or more other devices, one device 12 may become aware of the presence of a first device 11 and exchange data 20 between devices 10 in close proximity to each other to facilitate the personal services 50, and may return to a remote service 70 for a closed-loop system between devices or services that are remote from each other, as shown in FIG. 1 .

[0044] This non-limiting example illustrates how a first device may be aware of a second or multiple devices described herein and may support services between devices that are remote from each other, or a combination of local, remote, network topologies, peer-to-peer, RFID, Bluetooth, Internet of Things (IoT), etc., to enable an extended ecosystem that includes devices that are not only local to each other, as shown in Figures 2 and 3, but also remote and / or proximate to each other, as shown in Figure 1.

[0045] Ecosystems / associations between devices and their communication methods for passing information - Mutual awareness: According to embodiments of the present disclosure, one or more of these capabilities may be provided within one or more devices 10 that interact with data 20 to provide personalized services. These collections of devices and services that interact and / or become mutually aware as shown in FIG. 2 are hereafter referred to as "inter-aware systems," groups, "clusters," or "ecosystems" 40.

[0046] Internet of Things (IOT) and Other Device Ecosystems: The present disclosure is not limited by any one particular form factor or device, but may comprise electronic devices within a variety of devices (hereinafter collectively referred to as "devices"), including Internet of Things (IOT) devices, wearables, portables, mobile devices, computers, etc. Similarly, groupings, clusters, and / or interactions between devices are not limited to a single "ecosystem" of devices and applications, but cross device interactions, network topologies, and communication protocols, including, but not limited to, Bluetooth, Bluetooth Low Energy (BLE), beacons, RFID (Radio Frequency Identification), wake-up signals, communication "advertisements," etc. When one device detects the presence of one or more other devices, services may be personalized in response to data shared between the devices.

[0047] Device Description: In some embodiments, personalized services are not limited to a single device but may be distributed across multiple devices, as described in commonly owned U.S. Patent Application No. 15 / 018,496, filed February 8, 2016, entitled "Distributed Method and System to Improve Collaborative Services Across Multiple Devices," and incorporated herein in its entirety. For example, mobile, wearable, and other transient systems may interact within an Internet of Things (IOT) ecosystem, as depicted in FIG. 3. IOT devices include, but are not limited to, wearables and / or door locks 101 on an individual 100, blinds 102, televisions 103, home automation devices, thermostats 104, lighting, fan, and light switches 105, alarm systems 106, appliances 107, digital picture frames 108, cooking utensils, music devices, gaming devices, desktop computers, computer servers, laptop computers 109, vehicles, garage door opening devices, keyless locks, and other devices that facilitate the "internet of things."

[0048] Wearables (or wearable devices) may include, but are not limited to, watches, bands, eyeglasses, jewelry, shirts, pants, belts, belt buckles, buttons, etc. Jewelry may include, but are not limited to, rings, bracelets, anklets, necklaces, earrings, nose rings, cufflinks, etc.

[0049] Portable items may include, but are not limited to, wallets, cards, smart cards, smart wallets, key chains, accessories, eyeglasses, FOBs, pens, and the like.

[0050] Mobile devices may include, but are not limited to, phones, tablet computers, laptops, and the like.

[0051] Computers may include, but are not limited to, point-of-sale (PoS) terminals or devices operating at point-of-sale locations, personal computers, servers, etc. Such computers may include both or either temporary and non-transitory memory elements.

[0052] Types of Personal Services: Personal services 50, some of which are shown in FIG. 4, may include, but are not limited to, services related to one or more of the following: These services include wake-up or prompt, hospitality 51, identification (ID) 52, information 53, business card, contact, authentication 54, security, encryption (cryptography), tokenization 55, transaction 56, preferences 57, preference collection 58, preference analysis 59, accounting 60, budget, finance, fraud detection, notification 61, management 62, food 63, beverage, smoking, groceries, refrigerator contents, accommodation 64, check-in / check-out, room key, travel 65, shopping 66, advertising 67, sales, discounts, coupons, promotions, location, proximity, rewards 68, loyalty, environment, entertainment, medical condition, medical records, health 69, exercise, pedometer, fall detection, or other services customized in response to personal information, collectively referred to as "personalized services" or "services."

[0053] Any one or more of the devices 10 may provide preferences within a group 40 or perform personalized services 50 .

[0054] Data and Information Related to Personal Services: Data 20 or information may be transmitted between devices 10 in a group 40, as shown in Figures 2 and 4. Data may be transmitted between devices according to a variety of communication systems and protocols, including but not limited to signals, beacons, advertisement packets, RF (radio frequency signals) such as but not limited to NFC (near field communication) or WiFi, RFID (radio frequency identification), voltage or communication via physical contact, inductive signals, magnetic signals, messages, movements, prompts and other methods of waking up or prompting a device to recognize the proximity of another device, hereinafter collectively referred to as "wake-up data."

[0055] Data or information that may be conveyed during a communication session includes, but is not limited to: Names, photographs, identifications, initials, biometrics, behavioral metrics, identifiable characteristics, social security numbers, membership numbers, birth dates, height, weight, hair color, eye color, driver's licenses, passports, visas, and virtually anything that identifies an individual, user, device, and / or object are collectively referred to herein as "identification data." Additionally, business cards, telephone contact information, addresses, and other contact information typically found on business cards or contact records are collectively referred to herein as "contact information." Additionally, addresses, locations, secret numbers, photographs, biometrics, voter registration, and any personal data are collectively referred to herein as "private data." Additionally, categories, labels, and the like are collectively referred to herein as "administration or administrative data." Additionally, locations, acknowledgments, device identifiers, stores, store identifiers, names, coordinates, geographic locations, movements, directions, distances, radii, steps, device-to-device recognition, and the like are collectively referred to herein as "proximity" information. Additionally, preferred seating, cuisine, dishes, meals, food, beverages, desserts, snacks, spices, spiciness, allergies, and other diet-related preferences are hereinafter collectively referred to as "dining preferences," "eating preferences," or "drinking preferences." Favorite room, floor, bed size, pillow, bed top, view, temperature, wake-up time, amenities, and other room, hotel, residence, resort, or sleep preferences are hereinafter collectively referred to as "accommodation preferences." Seats, security pre-screening, tickets, and travel information are hereinafter collectively referred to as "travel preferences." Frequent stores, purchase categories, purchase items, and spending amounts are hereinafter collectively referred to as "shopping preferences." Other preferences are hereinafter simply referred to as "preferences."Sales, special offers, products, services, discounts, rebates, special offers, coupons, discounts, and other advertisements, collectively referred to as "advertising data"; accounts, personal account numbers (PANs), ATM numbers, brands, codes, currency, cryptocurrencies, tokens, and other financial data, collectively referred to as "financial data"; purchases, receipts, currency, sales amounts, prices, items, codes, and other transaction-related information, collectively referred to as "transaction data"; rewards, points, numbers, loyalty, barcodes, and other reward information, collectively referred to as "reward data"; medical history, conditions, surgeries, health issues, vitamins, medications, pharmacies, insurance, and other medical-related information, collectively referred to as "medical data"; Biometrics, knowledge metrics, electronic metrics, behavioral metrics, names, usernames, passwords, PINs (personal identification numbers), credentials, cryptographs, tokens, codes, pairing codes, dynamic pairing codes, and biometrics, such as, but not limited to, face, photograph, voice, fingerprint, audio, iris, scent, heart rate, behavioral metrics, gestures, images, identifying characteristics, symmetrical, asymmetrical, address, location, secret, number, voter registration identifier, social security, number, date of birth, height, weight, hair color, eye color, driver's license, passport, visa, PIN, questions, answers to questions, symmetrical and asymmetrical, and any information that authenticates or identifies a user, device, or object, hereinafter collectively referred to as "authentication data." Room, bed, bed size, pillow, temperature, number of days, check-in and check-out dates, room rate, and other information related to checking into a room, hereinafter collectively referred to as "check-in data." Categories, codes, transactions, currencies, amounts, and other accounting or budgetary data, hereinafter collectively referred to as "accounting data" or "budget data," are sometimes referred to herein as "information."

[0056] Consumer items may include, but are not limited to, food, beverages, smoking, seating (meals or snacks?), etc., travel, cruises, vacations, locations, tourist destinations, recreational activities, transportation, etc., real estate, homes, condominiums, etc., entertainment, multimedia, etc., health, medical care, vitamins, medicines, exercise, spas, etc., accommodations, hotels, resorts, bed and breakfasts, etc., items, toys, automobiles, etc.

[0057] Triggers to initiate provision of personalized services: Personalized services may be activated based on a variety of triggers, including, but not limited to, user activity, a timer, a specific time or time interval, a response to a query, a transaction, detected motion or a specific detected motion such as walking, running, standing, driving, or sleeping. In this way, power is conserved by activating personalized services only when the user is active.

[0058] Detecting Device Presence for Delivery of Personal Services: Devices may be detected or sensed by several methods and systems, including but not limited to beacons, advertisements (such as Bluetooth communication advertisements or advertisements communicated using other communication systems), notifications, prompts, wake-up signals, triggers, or other communication methods or systems that prompt or communicate information to or from devices or services. For example, a first device may make a second device aware of its presence.

[0059] When a user or a first device enters the zone or range of a second device, the second device detects the proximity of the first device or the location of the first device and arranges for the provision of a service to the user or first device depending on the proximity or location.

[0060] For example, in some embodiments, a system controls data exchange and provides at least one service to at least one user, wherein a first device is configured to store a first data set, and wherein the first device is further configured to transmit a first token representing the first data set to the second device when the first device is in proximity to a second device and a user of the first device approves transmission of the first data set to the second device.

[0061] The second device may be further configured to accept the first token, and in response to accepting the first token, the second device may be further configured to send a second token to the first device, and the first device may be configured to accept or reject the second token. Acceptance of the first token by the second device and acceptance of the second token by the first device enable provision of at least one service to the user, the service responsive to the first token. Such configurations may incorporate the use of cryptographic methods, including where the first and / or second tokens may be cryptographically signed and / or encrypted, for example, using public key encryption. In some embodiments, each of the devices may be authenticated to each other and / or to another authentication system, such that token interactions are subject to such authentication. Credentials may include biometrics, passwords, and phrases, which may be communicated via text and / or voice, face, fingerprint, or other identifying feature scan. Tokenized data may include location information of both the first and / or second devices and / or ranges of other specifications, such as time, distance, or a specified geofence zone. Such token exchanges may be rejected by any device based on specifications such as invalid token format, invalid token content, blacklisted device, etc.

[0062] Presence Zone: In some proximity applications, the zone may be in the range of about 100 meters or less, but there is no limit to the range of the "zone" which depends on the ability of communicating devices to "see" each other.

[0063] Communication Systems and Methods for Providing Personal Services: Communication technology is important to many aspects of this disclosure, and those skilled in the art are aware of many such systems that can be used depending on the desired outcome and the distance between the communicating entities. Some examples of such communication technologies for communicating to a first device or from a first device to a second device include, but are not limited to, Bluetooth, Bluetooth Low Energy (BLE), WiFi, RFID (Radio Frequency Identification), RF (Radio Frequency), WiFi, QR code, light, ultrasound, sound, etc.

[0064] Device Low Power States and Wake-Up Services: In one embodiment, the electronic device is held in an ultra-low power state, including but not limited to, powered off or an ultra-low power state. One or more circuits may be activated by a variety of methods, including but not limited to, motion, movement (via an accelerometer, gyro, magnetometer, piezoelectric device, or equivalent motion sensing component), timer, wake-on detection (detecting 13.56 MHz from near-field communication transmissions), or subtle detection methods that do not utilize additional power by detecting human touch as an interrupt, hereinafter collectively referred to as "wake-up methods."

[0065] These methods and systems for wake-up circuitry within a device may, in some embodiments, be configured to be completely passive, with the device waking up and / or utilizing power from the environment to perform functions or operations. In other embodiments, the device utilizes a non-rechargeable power source, such as, but not limited to, a primary battery, or a rechargeable power source, such as, but not limited to, a supercapacitor or equivalent power source. In some embodiments, the rechargeable power source may or may not be separate from the battery or batteries that power the rest of the circuitry.

[0066] When a circuit including one or more microprocessors and / or programmable logic is powered up, it may be configured to immediately perform functions such as, but not limited to, beacons, signals, advertisement packets, communications, and low power detection, hereinafter collectively referred to as "communications."

[0067] Motion States to Reduce Power Consumption: Various intervals for transmission and / or reception may also be configured to further reduce power. Beacons and / or communications may be configured to transmit or receive based on duty cycles or intervals. These intervals may be changed based on motion states or user-defined states or times. "States" may be derived by user interaction or, in some embodiments, movement. Those skilled in the art will recognize that device states may be managed using multi-state machines such that functions and features may be controlled by the device's current state. Thus, transmission, reception, intervals, duty cycles, etc. may be dynamically changed based on detected motion states.

[0068] Transmitting beacons at intervals based on motion: When motion is detected, the intervals between beacons or other communication signals may be changed based on a characterization of the motion.

[0069] As non-limiting examples, walking may be distinguished from maneuvering or small movements, driving, falling, or stationary, hereinafter collectively referred to as "motion states." Motion may be characterized or detected via several methods and devices, including, but not limited to, accelerometers, gyros, piezoelectric devices, magnetometers, or other motion-sensing components or devices. Using such components, motion states may be detected based on acceleration and / or direction measured over an interval or duty cycle. Similar to communications, motion measurements may also be controlled via duty cycles and intervals and dynamically changed based on the state of the device to conserve power.

[0070] Sleep State: A device may put itself to sleep based on inactivity. During this inactivity, communication intervals may be reduced or no communication may occur at all. Conversely, when a person is walking, the device may wake up and communicate at certain intervals. Similarly, if movement is characterized as driving, a different communication interval may be configured for that particular device state.

[0071] Sleep State / Low Power: The first or second device may be kept in a "sleep state" to conserve power. Methods for waking the device from a sleep state include sending or receiving a beacon or other radio frequency signal or electromagnetic field (EMF) radiation, a button or other manual action, location detection, specific motion activation including at least one of movement, walking or running or standing or sleeping or driving, or a combination.

[0072] Triggering and Activation: When activated or triggered, a device may detect the presence of another device or, in some embodiments, may begin transmitting a signal so that other devices can detect the proximity of the signal-emitting device. Personalized services are triggered in response to the detection of a triggering device and trigger individuals or triggering objects in proximity to the user.

[0073] Non-Button Devices (Uses Motion): Thus, under the present disclosure, no "button" or other activation is required to turn on (or wake up) the device other than by moving the device, and power may be conserved by dynamically setting both the interval for detecting and / or characterizing the motion state, along with communication.

[0074] Gait and Other Movement States: In a non-limiting example, beacons, wake-up signals, advertising packets, advertising information, and / or other communications may be configured to transmit or receive as an individual walks or moves through a defined region, such as an area within a retail store. Because most individuals enter a facility, the classification of gait is important for activating various services to communicate with one or more devices at the facility. Alternatively, the individual's mere presence at the facility is sufficient to activate various services, including the delivery of advertising information.

[0075] Personal Service Parameters: The parameters of the services delivered are not limited to only communication, proximity and motion detection, etc. Other service parameters may also be variable, configurable by the user, and / or dictated by the "state" of any device involved in the delivery of the personal service.

[0076] Authentication for approval of information exchange to provide personalized services: A first device may request information from a second device. The latter may respond automatically, or in some embodiments, with credentials that must be "approved for release" by the first device or by the owner or user of the first device. Approval may require some action to be taken by the first device or its user, or the second device may be automatically approved by the user. In this case, the user may need to authenticate locally with the device and / or approve the release of the information.

[0077] User Control of Data and Authentication: One overarching aspect of this disclosure is that users have control over any information sent to another party or device. Information may be categorized into categories 80 that govern distribution, such as, but not limited to, the example shown in FIG. 5. To maximize convenience, public information 81 or information categorized as “pre-approved” by its owner may be sent by a first device to other devices at any time without user interaction. To increase security, other data may require an acknowledgement 82 from the user before the information is released. Other categories include, but are not limited to, authentication, which in some embodiments may be “timed authentication” 83, which requires another authentication based on the duration since the user last authenticated on one or more devices, and / or multi-instance authentication 84, which requires another instance of authentication, and / or authentication with a second device 85 before the information is released. Multi-instance and multiple authentication modes are further described in patent application entitled "Multi-Instance Shared Authentication (MISA) Method and System Prior to Data Access," filed June 23, 2015, and assigned application serial number 15 / 191,466, which is incorporated herein in its entirety.

[0078] Similarly, the owner may opt out of receiving certain information about the device, such as offers and / or requests for specific advertisements, discounts, rewards, or other information. The owner may disable the receipt of all incoming information or only information related to identified products or services. In this way, the owner (user) of the data always controls the receipt and / or publication of information.

[0079] Suggestion of Account to Use: In some non-limiting embodiments, the advertisement may request the user to use a particular service or virtual item, such as, for example, but not by way of limitation, a loyalty card. When the user enters a facility or geographic location, the facility may suggest the use of a payment, rewards, and / or loyalty account, and / or suggest one or more payment types or methods, as non-limiting examples. In this example, the user may accept or reject the suggested account or payment method.

[0080] Data Mining for Offers or Advertisements: One method of the present disclosure involves using data mining (a form of determining user preferences) to target advertisements or offers to users. In some (non-limiting) embodiments, information including, but not limited to, past purchases or searched items (online and offline) may be utilized, with or without correlation to one or more given algorithms, to direct advertisements or offers that may be relevant to the user. In some non-limiting embodiments, the user may disable advertising or opt out of advertising and / or data mining functions.

[0081] Deriving Preferences Directly from the User or from Data Mining: A unique feature of the present disclosure is that preferences may be input directly into the first device by the user or, in some embodiments, derived from data mining efforts during user activity. Under this aspect of the present disclosure, the user's preferences may be determined from the user's interactions with the first device and between the first device and other devices. These preferences can then be used to provide personalized services to the user.

[0082] Deriving Preferences from Offline Activities: The present disclosure bridges the gap between brick-and-mortar consumer behavior and internet consumer analytics by connecting offline user interactions at brick-and-mortar establishments with online user interactions on the internet. With the advent of the Internet of Things, wearables, and mobile devices, offline user behavior is becoming more accessible. Activities that can be detected and collected by these devices include exercise, eating and drinking habits, smoking habits, frequent location travel, and interactions with brick-and-mortar establishments such as transactions, in-store movements and consumer location indicating possible product interest, and transfer of data such as medical information.

[0083] Deriving Preferences from Online Behavior: Online consumer behavior, likes, dislikes, and other interests captured by cookies and other methods of online big data are well known. Clicks, websites visited, purchases, likes, dislikes, survey responses, etc. are all consumer analytics used to sell to businesses and marketing companies, which may even pop up new advertisements in response to the information collected about the user.

[0084] Consumer Big Data - Data Analysis and Merging Preferences from Online and Offline Behavior: In the present disclosure, information collected during any of these user activities may be stored on a first device. The collected information may be analyzed on the first device or, in some embodiments, downloaded to and analyzed on a second or third device. Those skilled in the art will recognize that data analysis of consumer data consists of determining characteristics, trends, traits, likes, dislikes, and other information collected about consumer or people or user behavior. In the context of the present disclosure, this information may be analyzed to derive preferences or, in some embodiments, may be merged with other data. Similarly, preferences from offline, online, or a combination may be modified, merged, added, deleted, or managed with preferences from online services.

[0085] Priorities and Weights: In some embodiments, users may have control over these priorities, how and when they are made available to various service providers, and their priorities or weights, which may be prioritized by the service provider within algorithms, statistical analyses, and other mathematical calculations, so that they can optimally customize a service to one or more preferences from a plethora of user preferences. The priorities or "weights" may be used by the service to determine "how much" a person likes or dislikes a particular product, service, or activity. Service offerings may use the priorities or weights to personalize services, content, or other information, products, or services.

[0086] Preference Management: Whether derived, selected, entered, or otherwise, a user may modify, add, delete, or otherwise manage preferences within any device where preferences are stored, whether online or offline.

[0087] Preference Update: Once the preferences are determined, they may be provided from at least one of a second device, computer, wearable, IOT device, portable device, mobile device, website, service, application or software to update the personal preferences stored on the first device.

[0088] Coffee Shop Example: For example, as a non-limiting example, a user can enter a coffee shop and place an order. Information that may be collected during this action by the first device includes the establishment and time entered, time spent looking at the menu, time looking at advertisements or "special of the day," product and / or quantity purchased, any rewards, loyalty, coupons, discounts or advertisements used in conjunction with the transaction, time spent within the establishment, any other subsequent products and / or quantities purchased, and the time the user (and first device) selected exited the premises.

[0089] Business Facilitation - Coffee Shop Example: A user at a coffee shop may also be queued by the first device at the end of the activity (when leaving the coffee shop) to manage one or more preferences derived from this activity. For example, the user may state their likes and dislikes of a product, business, brand, service, etc. Of course, any data analysis or preferences about the user may also be sent back to the business or establishment.

[0090] Multiple Preferences and Priorities: In some embodiments, two or more preferences or combinations of preferences (weighted) may be utilized as part of a personalized service. In other embodiments where there are two or more devices with preferences, calculations such as, but not limited to, averages, aggregations, number of priority preferences, ranges, etc., can be performed to determine which personalized services should be supported and what changes to the service need to be made to personalize (or better personalize) the service based on multiple user preferences. Here, the priorities or weights given to various preferences can be a factor in determining which services to use and what changes to make to each service.

[0091] In some embodiments, weights can increase based on an increase in a user's behavior or habits. For example, if a user repeatedly orders the same coffee at the same time of day at the same coffee shop, the weight of that preference may increase. Conversely, for example, if a user slows down the frequency with which they drink a particular coffee, the weight may decrease.

[0092] Display and Billboard Definitions: Non-limiting examples of personalized services responsive to preferences communicated from two or more first devices include, but are not limited to, advertisements on a billboard, display, or billboard. As shown in Figure 6, a device 18 (as a non-limiting example, a sensor near a road) may detect the presence of one or more devices 13 (as a non-limiting example, a device in or attached to a vehicle, such as a smart card). Information, such as preferences, may be sent from device 13 to device 18. Device 18 may then modify the content of billboard 19 in response to the collected preferences.

[0093] Vehicles herein may include, but are not limited to, cars, trucks, bicycles, carts, and virtually any multi-wheeled device.

[0094] Similarly, when an individual with a preference-containing device 13 passes by a mall display, advertising services on one or more display devices (including broadcast devices) may be altered to reflect the user's preferences.

[0095] Examples of broadcast devices include, but are not limited to, a display, a road-visible billboard or roadside display, a speaker, an electronic menu, a video image, a still image, or audio on a multimedia device that responds to user preferences received from a first device when the first device is within the zone of a second device. Information that may be broadcast includes images, video, or text, or a combination.

[0096] Definition of Information That May Be Collected for Analysis (Preference Deriving): Information that may be collected to assist in preference derivation may include, but is not limited to, personal information, user activity, movement, transaction, location, internet interaction, phone interaction, IOT (Internet of Things) interaction, and other actions performed by the user or first device. Information may be collected from various user activities, and may include, but is not limited to, actions, transactions, purchases, payments, movements, event durations and durations for entering, staying, or leaving a retail counter, line, aisle, or area near a particular product or service, or a location within a business or facility or store, such as near a billboard, display, speaker, etc., or near a billboard or sensor that controls any of these broadcast devices, movement, interactions with the Internet of Things (IOT), etc., or in some embodiments, internet-related interactions, such as, but not limited to, views, website views, ad views, computer clicks, information displayed on website content of a website, social media activity, responses to surveys, data analysis, etc., as well as other data- or activity-rich environments from which user preferences may be derived.

[0097] Smart Card Implementation: In one embodiment, the device may be in the form of a smart card 13, as shown in FIG. 7. The card 13 may support standards for identification, or may support standards for payment cards, rewards, loyalty, insurance, etc., or, in some embodiments, beacons, communications, room keys, and / or combinations of each. Similar to FIG. 1, FIG. 7 illustrates, by way of non-limiting example, how the smart card 13 may interact with other devices 10, in this case, smartphones 11 and personalized services 50 on point-of-sale (PoS) 12 terminals. The smart card may be the same shape and size as a payment card, but with the electronics inside.

[0098] As a non-limiting example, communications 20, such as but not limited to low power beacons, may be utilized to detect the presence of one or more low power devices 10, such as a smartphone 11 and a smart card 13. As in the example of Figure 1, one device 11 may "wake-up" another device 13 to exchange data 21 between the devices 10, facilitating a personalized service 50, and back to a remote service 70 (e.g., on a server 15) for a closed-loop system.

[0099] Payment and Communication: The present disclosure may also support other forms of communication and payment. Communication methods include, but are not limited to, contact and contactless EMV, as well as NFC (Near Field Communication), Smart Wipe, Wi-Mag (Wireless Magnetic Transmission), Bluetooth and / or BLE, WiFi, barcodes and / or QR codes may be supported. Other communication methods may also be supported for communication and payment, such as, but are not limited to, personal area networks (PANs), acoustic methods such as ultrasound, and optical methods such as infrared and dynamic QR codes. Such communication technologies may include encrypted and / or unencrypted data, authentication activities, payment activities, identification, etc.

[0100] Loading a Card: The present disclosure may use any one or more known communication methods, individually or in combination, to transfer information to a card. In a non-limiting example, a user may select information by swiping to scroll through credit and / or debit cards, loyalty, rewards, insurance, identification, and virtually any card or information in their wallet. A user may tap a selection sensor to select a particular card and transfer that card's information to one or more of the communication channels to make a payment.

[0101] Card Data Service Verification: As a non-limiting example, but not limited to, information such as credit card information captured by a camera on a user device may be sent to a service for verification. The service may then send encrypted information, a token, an applet, or other information back to the device to send back to the user device. An authentication process may also be associated with this data / photo transfer, especially if the data / photo is considered private information.

[0102] Automatic detection of multiple communication technologies: In some embodiments, payment information may be held for a particular payment communication channel until a sensor is triggered to make the payment (transfer and / or negotiate the payment). In a non-limiting example, a user device or smart card may be configured to support multiple payment communications that may wait to transfer or negotiate payment information based on the detection of EMV, NFC, magnetic stripe, or Bluetooth. In this embodiment, payment information is not transferred or negotiated until the card is inserted into an EMV reader, detects an NFC reader, detects a magnetic stripe reader, or receives a communication via Bluetooth to make a Bluetooth payment. Once a payment communication method is detected, the device may disable other payment communication methods or, in some embodiments, wait a timeout period before disabling the payment state.

[0103] Category Selection: Similarly, the user may configure categories, using one or more touch or proximity sensors to scroll and select categories. Categories may be customized by another interface, such as a phone or computer, as well as locally to the user device.

[0104] Device / Computer Components: In various embodiments, a user device (or any other device relevant to embodiments of the present disclosure) may include one or more of the following components (or the following functionality) within an electronic device 100, as shown in FIG. 8: a microprocessor, microcontroller and / or system-on-chip (SOC) 101, memory (Flash 102, RAM 103 and / or FRAM 104), a cryptographic device 105, a tamper-proof device 106, including, but not limited to, a GPS. 134, a display 108, a semi-transparent or fully transparent touch display 109, buttons 110, optical sensors 111 and / or other interface controls such as, but not limited to, infrared, photodiode and / or image sensors, LEDs (Light Emitting Diodes) 112, proximity sensors 113, biometric sensors 114 such as, but not limited to, finger, heart rate, face, IRIS and voice sensors, switches 115, microphones 116, amplifiers 117, speakers, vibration or other devices that may provide tactile feedback per user interaction 118, a battery, supercapacitor or equivalent power source 119, wireless battery recharging circuitry 120, power recovery sensors and circuitry 121, and wireless communication devices such as, but not limited to, Bluetooth 122, Bluetooth Low Energy (BLE) 123, Near Field Communication (NFC) 124, RFID 125, Personal Area Network (PAN), Wi-Fi 126, specification 801.15.4 127, a communication device operating in accordance with IEEE 13949, an edge device 128, a 3G device 129, a 4G device 130, an LTE device 170, an antenna 132, a balun 133 and / or tuning network, a coil 134, a Global Positioning System (GPS) 135, a secure element 136, an accelerometer or equivalent motion detection device 137, physical contacts 138 such as EMV-8, EMV-6 or equivalent 138, or virtually any other electronic component.Other non-limiting examples include electronic devices utilizing a display 108, a touch panel or touch screen 109, buttons 110, a speaker 118, a microphone 116, an image sensor 111, and other sensors as an interface to a user, and / or any combination of electronic devices.

[0105] The battery 119 may include, but is not limited to, lithium ion, lithium polymer, supercapacitor, rechargeable, primary chemistry, etc., and may be thin enough to fit into very thin products such as a smart card 13 as shown in FIG. 7.

[0106] Card Description: Referring to FIG. 9 , the card includes a display 108, including, but not limited to, an LCD (liquid crystal display), an OLED (organic light-emitting diode), or other thin display such as, but not limited to, e-paper, O-paper, a bi-stable display 108, and / or an LED. The display may provide notifications or feedback to a user or other devices and must be thin enough to fit into very thin products such as smart cards, as shown. Other components of the card include physical contacts 138 and / or EMV contacts 139, an accelerometer, gyroscope, magnetometer, or other motion detection device 137. The card also includes buttons or controls 110A, 110B, and 110C, or hidden button or control 110D, which can be used for various purposes, including, but not limited to, user interface controls for changing displayed data and images. User interface controls can include a tap, multiple taps, a tap and hold for a period of time, or a swipe across the button area, although the button may be capacitive, resistive, or simply a copper pad under the smart card's laminate.

[0107] Exemplary Card: A card such as that shown in Figure 9 can be used for a variety of purposes, such as displaying data about categories of information, such as "Loyalty" 180, as shown in Figure 10. The categories may be fixed or, in some embodiments, may be configured by the user via a software application or another interface local or remote to the device.

[0108] Other non-limiting examples of displayable data include identification data, such as a facial photograph 181 as shown in Figure 11. Other data (not shown) may include emergency or contact data (such as address and phone number), financial data (such as payment and / or account information), rewards data (such as points), loyalty data such as company name, barcode or QR code, information about nearby institutions / stores etc. (such as store name), brand information, card issuing party, signature, alias information representing some data, account or information (such as a "My Visa #1" card), emergency information (e.g., name, phone number, address, medical / allergies, etc.), medical information such as condition, medications, receipts, advertising data (such as discounts, sales, coupons, etc.), subway, train and other transportation-related tickets or tokens, account information, authentication data (such as credentials), data, and accounting and / or budget data.

[0109] In addition to displaying data, as shown in FIG. 3, data may be sent or received via a communication network with other devices, supporting personalized services to wake up, automate, and protect data, making user transactions more convenient.

[0110] Reducing component count by combining functions: In one embodiment of the present disclosure, the component count (e.g., on a card) is minimized to simplify the electronics and reduce cost and power. To reduce chip count, communication technologies including RFID (Radio Frequency Identification) and NFC (Near Field Communication) are used. These circuits may be powered, for example, by harvesting power from RF or NFC signals in the reader (a transmitter at the frequency of the device's circuitry).

[0111] In keeping with this minimization approach, one embodiment consists of a simple Bluetooth Low Energy (BLE) circuit that enables applications such as, but not limited to, identification, preferences, payments, rewards, loyalty, advertising, entertainment, and geolocation. These embodiments can be within the form factors of any of the devices mentioned above, such as, but not limited to, smart cards, smart bands, jewelry, wearable devices, any relatively small electronic device, etc.

[0112] Combining BLE and NFC: In another embodiment, BLE and NFC functionality may be combined on the same device, such as, by way of non-limiting example, smart card 13 of FIG. 7. Certain components may serve dual purposes to reduce chip count, complexity, power, and cost. Component count may be further reduced by combining functionality such as, but not limited to, RFID, NFC, WiFi, Bluetooth, or BLE, touch control, processing, and other functionality on the same SOC (System on Chip) 101 of FIG. 12, which may include an Application Specific Integrated Circuit (ASIC). Other non-limiting components are shown in FIG. 12, such as display 108, physical contacts 138, accelerometer 137, antenna 132, battery 119, button 110, biometric sensor 114, and power harvesting device 121.

[0113] IOT Stamp: Combining BLE and NFC on the same SOC or ASIC can further reduce the complexity of forming small electronic systems for IoT devices and the like. NFC, BLE, and Wi-Mag antennas can be combined into a single multi-purpose antenna controlled by different GPIO and antenna interfaces on the SOC or ASIC. This multi-purpose architecture requires some isolation and impedance matching / balancing between the RF and GPIO interfaces to protect the internal circuitry while different functions are being performed. Such features are described in more detail in a commonly owned patent application entitled "Accordion Antenna Structure," filed April 4, 2016, and assigned Application No. 15 / 089844, which is incorporated herein in its entirety.

[0114] Other technologies, such as wire bonding, can be used to further combine the above features (particularly those used in IoT devices) into a thin, small, integrated module form factor, roughly the size of a postage stamp. Furthermore, these features may be combined to fit under contacts, such as EMV contacts. This approach achieves a small IoT stamp that supports BLE, NFC, Wi-Mag (wireless magnetic transmission), multiple payment types and multiple communication methods, proximity detection, low-power touch sensing, power harvesting, and motion activation to support ultra-low-power IoT, distributed, and / or personal services.

[0115] In some embodiments, this small, integrated IOT module or stamp may be utilized within other electronic products such as wearable technology, while in other embodiments, the module may be inserted into a smart card as a complete module to simplify smart card manufacturing. The IOT stamp may also be configured to be inserted into other electronic devices such as, but not limited to, smart cards, watches, bands, etc., using small contacts that engage with the circuit board or flex circuit and integrate with other features within the electronic device. In this configuration, a small O-ring-like device or epoxy or adhesive may be used to waterproof and keep the connection stable.

[0116] Smart Card Touchpad: A touchpad may be used to authenticate a user by noting the manner and direction of tapping and swiping on the touch sensor. See commonly owned patent application entitled "Methods and Systems Related to Multi-Factor Multi-Dimensional Hidden Security PINS," assigned application number 62 / 198,817, filed July 30, 2015, and incorporated herein in its entirety.

[0117] The training may be performed on the user device or may be securely communicated to another device for performing the training. As a non-limiting example, a user may configure their PIN by tapping their smart card in any combination, by, as a non-limiting example, two short taps, one long tap, swiping left three times and down three times.

[0118] Another method of authentication involves detecting the card position during authentication. This detection may be performed by an accelerometer or equivalent. As a non-limiting example, patterns of how the user device is held, such as holding the card horizontally, then vertically, then horizontally, then along the "Z" axis (out of plane), etc., may be recognized. Algorithms may be augmented by the amount of time the user's finger is held in each position.

[0119] Positional PIN: For added security, the card's position may be selected when the user taps or swipes as described above. In this method, the user may move the card in a specific pattern. As the user moves the card, the direction, speed, and duration of the card's movement are characterized so that it is recognized as repeated.

[0120] Behavioral-Metric Description: When a user taps and swipes one or more touch or proximity sensors, various parameters can be recognized, including, but not limited to, direction, pattern, speed, duration, surface area, and pressure. These parameters may be used to characterize an individual's behavior, as well as the actual PIN. Certain behavioral metrics are described in a commonly owned patent application entitled "Biometric, Behavioral-Metric Knowledge-Metric and Electronic-Metric Directed Authentication and Transaction Method and System," filed July 5, 2016, and assigned application number 15 / 202,515, which is incorporated herein in its entirety.

[0121] Proximity Authentication: A user device may also be authenticated by proximity to another authenticated device such as a phone, tablet, computer, laptop, wearable such as, but not limited to, a wallet, keychain, jewelry, watch, band, other smart card or combination.

[0122] Authentication may also be performed by another device, such as, but not limited to, a phone, passing credentials to the user device, which the user device recognizes and authenticates. This may be a single authentication code or event, or may require negotiation between two devices to confirm authentication. For example, a user may authenticate using a biometric, such as, but not limited to, voice, face, fingerprint, or other method, from another device, such as a phone, and then negotiate with the user device to authenticate.

[0123] In some embodiments, other types of authentication may also be supported, including but not limited to biometrics such as voice, face, IRIS, scent, thought, and finger. In the case of voice, a microphone or other acoustic device may be installed on the user device. Other biometric methods that may be utilized include heart rate, face, IRIS, eye, finger, scent, etc. Any of these and other biometric and / or behavioral metrics may also be used for authentication and account / information selection, or both, via another device such as, but not limited to, a phone, to authenticate with the user device and direct payments.

[0124] Controller Movement (Inside Card): Movement of the user device or smart card may also be used for other applications, including, but not limited to, control. In a non-limiting example, card movement, such as a quick left or right turn, can function, for example, to scroll left and right through information contained on the card or information contained on a display screen. Unidirectional movement, such as forward, can select a particular information element, such as, but not limited to, a payment card selected for payment. Other movements can be used for various other functions, including, but not limited to, menu display, selecting from screen text or icons, category scrolling, feature selection, audio and video control, changing a thermostat temperature, or changing lighting effects.

[0125] Haptic feedback (in device or card): Haptic feedback such as a speaker, vibration method, buzzer or other method of providing feedback of a gesture back to the user.

[0126] Multi-EMV - Energy Recovery, Communication, Touch, Payment: In addition to supporting payment transactions via EMV 138 physical contacts, including but not limited to transactions compliant with ISO 7816, the present disclosure also introduces the concept of using EMV contacts to support other functions such as, but not limited to, energy recovery, communication, and / or touch sensor 138 within a small area on a device such as a smart card 13 as shown in Figure 12. The repurposing of EMV contacts to support power recovery, communication, wake-up, touch sensor, and EMV payment is unique and non-obvious given the multiple functions within a small area already available on typical payment cards in use today.

[0127] In some embodiments, power may be harvested from a variety of methods, including, but not limited to, NFC (a method of harvesting power from near field communication transmissions at 13.56 MHz), Bluetooth, WiFi or other radio frequency (RF), piezoelectric, solar, acoustic, and RF (Radio Frequency) energy sources (collectively referred to herein as "energy harvesting" methods).

[0128] Under this multi-purpose EMV aspect of the present disclosure, energy may be harvested from physical contacts 138 of EMV (EuroPay MasterCard Visa) contacts 139 commonly found on most cards today. Under the present disclosure, the rechargeable power supply may be recharged from power harvested from the energy harvesting methods described above, such as harvesting power from EMV contacts 138, or harvesting power from contacts 137 on a device such as smart card 13, while inserted into an EMV reader 14 as shown in FIG. 13, or in some embodiments, while inserted into an EMV charging device 15 connected to a wall plug 15 as shown in FIG. 14, or connected to a laptop 17 as shown in FIG. 15. Because pin C1 (see FIG. 17) is always a voltage, voltage can be harvested from this pin when the card is in use to charge a rechargeable battery within the card.

[0129] EMV-Communication Repurposing: This multipurpose EMV disclosure also supports communication purposes for EMV contacts. Under this disclosure, communication between two EMV cards may be established, for example, by detecting the presence of the other device. In this embodiment, the card detects the non-payment device or card through various means, including but not limited to, voltage and / or non-voltage and / or communication on one or more of the pins, achieved, for example, by switching between voltage and receiving communication, or by simply receiving communication via a single pin after an interrupt.

[0130] By connecting the EMV to an interface on the microprocessor, which in turn is the secure element, or in some embodiments is the secure element, the EMV contacts may be utilized as an alternative communication path and / or touch sensor. This architecture, depicted in Figure 16, shows how multiple functions can be supported by using the microprocessor to reconfigure connections such as GPIO (General Purpose Input Output) to support multiple purposes, including but not limited to communications, wake-up, and touch interface.

[0131] Connection to a USB device achieves communication with EMV contacts on user devices, such as, but not limited to, smart cards, which is a unique way of running services at faster data rates than slower interfaces, such as BLE. This is particularly advantageous for remote updates and other communications that require large amounts of data. Thus, in some embodiments, communication to and from user devices, such as smart cards, can be performed via a wireless interface, such as, but not limited to, WiFi or Bluetooth; in other embodiments, via a physical interface, such as, but not limited to, USB and / or EMV contacts; or in still other embodiments, via a combination of physical and wireless communication.

[0132] EMV-Multiple Communication Technology Repurposing: This method improves security by requiring two interfaces and improves the speed of certain services that may require greater bandwidth or data size, such as, but not limited to, remote software or firmware updates. Unlike conventional techniques that communicate between phone and card purely via Bluetooth, this method, in some embodiments, enables communication via EMV contacts for non-payment devices or a combination of Bluetooth, WiFi, NFC, magnetic stripe, and display. As a non-limiting example, a user can control the configuration of their device via Bluetooth.

[0133] For applications requiring more secure communications, such as, but not limited to, programming a user device with payment or other information, data can be sent over more than one communication channel, such as Bluetooth and EMV, and / or encrypted over both channels. Similarly, authentication for a particular task may require multiple communication channels, with parts of the authentication / negotiation going through multiple channels.

[0134] Multi-EMV-Touch: In embodiments that include a motion detection method for waking up the circuit, the circuit may be configured to send a beacon or communication signal, or may place a processor or equivalent controller into a low-power state awaiting another trigger. In some embodiments, that trigger may include, but is not limited to, one or more touch sensors. In one embodiment, the EMV contacts may be repurposed to also function as touch sensors.

[0135] EMV Touch—Low Power Wake-Up Method Description: Such low-power touch sensors utilize two or more pins to send an interrupt to wake up a circuit. Most microprocessors have an ultra-low power or “deep sleep” state in which the core processor is turned off to conserve power, while peripheral devices are maintained. Such components allow the processor and / or other circuitry to be held in an extremely low power state while maintaining a voltage on one or more pins or pads of the processor. Similarly, one or more other pins or pads of the processor can be configured as disconnects that can be triggered when a user touches one or more pins held at a voltage and one or more pins configured as disconnects. This method can also be applied to circuits without a microprocessor to further conserve power by utilizing a series of FETs, or equivalent to a short across two or more pins, which can wake up the FETs and keep the circuit on and powered. One or more microprocessors may then turn off the circuit by resetting the FETs, effectively turning off itself and the entire circuit. This method is sometimes referred to herein as "Ultra-Low Power Sensing (ULPS)."

[0136] ULPS's low-power wake-up innovation enables several embodiments, including the reuse of standard EMV contacts on payment cards. Typically, contacts on EMV cards are exposed to enable payments via EMV, often referred to as "contact" payments, chip-and-signature, or "chip-and-pin." Under this disclosure, these EMV contacts on the card may be repurposed to provide wake-up, touch interface, battery charging and communication, and other features and functions.

[0137] Wake-up can be accomplished by the low-power wake-up method described above, in which the microprocessor (or FET) holds one or more pins high (in voltage) while detecting one or more other pins as interrupted. Thus, in this embodiment, a user may wake up all or part of the circuitry by tapping and / or swiping the EMV contacts. This may be done as a simple standalone wake-up or in combination with other wake-ups, such as accelerometer, capacitive, infrared, and / or other touch or proximity sensors, by way of non-limiting example.

[0138] EMV Touch: EMV contacts may also be used as touch sensors by applying this same method. As shown in FIG. 16, EMV contacts may be used as touch sensors. Functionality associated with EMV contacts may include short, medium, and long taps, double and triple taps, and swipes left, right, up, or down, or combinations of these motions. Swipes are achieved by using two or more pairs of clever sensing touch pins to help identify direction. The advantage of this method is that the interrupt is the fastest sampling the microprocessor can perform. Therefore, in such embodiments utilizing clever sensing for EMV, using the EMV contacts on the card can provide very high accuracy, especially with very low power operation, and with fewer rejects or false swipes than other touch methods.

[0139] While EMV-6 (i.e., six contacts) may be used, EMV-8 may utilize three pairs of contacts, improving the accuracy of swipe detection. Two pins on the EMV-8 are reserved for voltage and ground, while the other six are available for various functions such as VPP, CLK, reset, and I / O. These pins may be repurposed to function as touch sensors by connecting them to a microprocessor. See Figure 17.

[0140] In such an embodiment, some pins are configured with voltages and other pins are configured as interrupts (sensors). The pins may be configured in an alternating pattern. When a user swipes from left to right, one or more of the interrupts are triggered by a finger touch between the interrupt and the voltage pin. When the second column of pins on the right (also called pads, contacts, or terminal controls) is touched, interrupts on one or more pins in the right row are detected, indicating a right swipe. Conversely, a right-to-left swipe may be detected in the same manner by detecting one or more interrupts on the right before detecting one or more interrupts on the right.

[0141] Similarly, the direction of an up / down swipe may be detected by the order in which the interruptions are detected. Up / down is distinguished from left to right by the order in which the interruptions are detected in time, where two interruptions are detected simultaneously on one side relative to the other. A tap is calculated by all interruptions that are detected simultaneously within a threshold.

[0142] EMV Repurposing - Multi-Tokenization: EMV may also be multipurpose for more than one tokenization. In standard EMV, a contact point is used to pass the token. The interface to the contact point is specified by ISO 7816. The token may be generated by the issuer via an applet on the secure element, or via the cloud using Host Card Emulation (HCE), whereby the token may be downloaded from a remote server, or a combination of the two.

[0143] All of the multi-purpose uses of EMV do not affect its primary purpose, which is to effect payments. Payment terminals are detected as directed by EMV and payment tokens are passed accordingly according to the traditional behavior of EMV cards.

[0144] Examples of Personalized Services: The present disclosure brings the personalization of services found in luxury hotels, resorts, and hotels, such as the Ritz, to everyday establishments by providing speed and convenience, as well as security and utility. Personalized services that support intercommunication between devices enable numerous applications. By way of non-limiting examples, devices may be considered to enable shopping, advertising, identification, entertainment, security, hospitality, dining, payment, rewards, loyalty, travel, accommodations, room keys, location-driven multimedia capture (such as events or activities at resorts or ski lifts), and other applications, markets, or industries that facilitate personalized services.

[0145] Establishment Definition: Establishments include, but are not limited to, restaurants, hotels, retail outlets, stores, security, casinos, theaters, entertainment, businesses, and other entities, collectively referred to herein as "establishments." Communications may be transmitted by user devices, establishment devices, or both.

[0146] The various descriptions of personalized services herein are provided by way of example only and are not meant to be limiting.

[0147] Example Services, Wake-Up: Three non-limiting examples of a "wake-up service" are shown in Figure 18. One example shows an application on a mobile device that recognizes that a business is nearby and responds by sending an advertisement packet to wake up, inviting another device to establish a connection to communicate. Another example shows an application that wakes up a device (such as a card) and a device that wakes up an application.

[0148] Another example in Figure 19 shows a device cycling through beacons and communication advertisements to enable connection with a mobile application, which upon receiving a wake-up signal, signals a wake-up and connects to the device to exchange information.

[0149] Yet another example in Figure 20 shows a device sending a signal to a business, which upon receiving the wake-up signal wakes up and connects to the device to exchange information.

[0150] Example Services: Proximity: Figure 21 illustrates another non-limiting personalized service whereby a first device periodically transmits beacons based on a time interval, and a mobile app sends an alert to the user if one or more devices do not respond within the time interval, thereby realizing a "proximity service." Conversely, the app or one or more other devices can also periodically communicate with the first device, whereby the device detects and alerts the user in the absence of the device.

[0151] The beacon and / or communication intervals may be updated locally to the first device or from another device, such as a mobile device. These intervals may also "adapt" to different activities, such as those detected by a motion sensor. For example, beacon and / or communication may be slower during sleep than during, for example, walking or daily activities. This adaptive transmission method conserves power, as previously described herein.

[0152] Image Tracking: Another example of an application that utilizes proximity services is a photo tracking device, where photos or video / audio taken at recreational activities such as, but not limited to, amusement parks, playgrounds, ski resorts, rides, theme parks, etc., are linked to a beacon that identifies the user for whom the photo was taken. In this embodiment, the device controlling the photo capture can also communicate with another device to automatically download the photo's identifier (e.g., ride and number, location, etc.), the time of the photo, or the photo itself.

[0153] Personalized Motion Services: Another example of a personalized service involves data collection of a user's movements. For example, a smart card embedded with an accelerometer or other motion sensor can collect the user's movements. In this embodiment, the device (in this example, a smart card) can be used as a step counter, pedometer, or mileage tracking device. Another service that can leverage motion detection includes fall detection, where the identity of an individual is transmitted via the communication methods described above to alert authorities that a fall has occurred.

[0154] Data Mining - Where the User Looked: Proximity services may also be used to perform data mining. A good example is determining what a user looked at in a store by detecting the user's identity and where they stood, as well as the time they stood there, using proximity beacons and RFID or Bluetooth BLE, etc.

[0155] For embodiments involving Bluetooth or WiFi, one device may detect the absence of another. For example, a phone may detect that a smart card has been lost based on the lack of a response via Bluetooth or WiFi for a certain period of time. Similarly, a keychain may detect the absence of both the phone and the smart card. This mutual proximity method provides a simple safety mechanism that can also be used to send an alarm or indicator to alert a user of the absence of one or more of the other devices via one of the devices, or, in some embodiments, to locate one or more of the other devices. See FIG. 22.

[0156] Devices may be located using various means such as, but not limited to, Bluetooth power measurements, TDOA (Time Difference of Arrival), RFDOA (Radio Frequency Difference of Arrival), triangulation (where two or more devices triangulate with one or more other devices), or in some embodiments, GPS (Global Positioning System, which uses satellites to determine the location of one or more devices) or other geolocation methods.

[0157] Example Service: Information: Figure 23 shows a non-limiting example of a generic "information service" that sends a signal, such as, but not limited to, a beacon, to wake up the device and / or share information, such as, but not limited to, preferences. Upon receiving the wake-up signal, the device authenticates with an app and begins advertising via communications advertising, such as using BLE. Upon connecting with the device, the app requests information from the device and then transmits the requested information.

[0158] Other embodiments include, but are not limited to, devices that share information when the device recognizes another device in proximity, with or without wake-up or authentication, and with or without a second device, including a facility. The information service may personalize information such as contact or business card data, in one non-limiting embodiment, or medical records, automobile, home, and health insurance information, or virtually any information or data, in other non-limiting embodiments. In some embodiments, information is shared between two or more user devices, while in other embodiments, one or more devices are associated with a business and / or facility.

[0159] Example Services: Identification: According to this embodiment of "identification services," one or more devices introduce themselves to one or more other devices when they are in close proximity to each other. According to this example, a first or second device advertises a wake-up signal to make other devices aware of its proximity. In some embodiments, the second device may recognize the first device by a UUID (Universally Unique Identifier) ​​in a beacon transmitted by the first device. In other embodiments, other identifying information may be communicated, including, but not limited to, one or more of a photo, name, initials, biometric, behavioral metric, electronic metric, knowledge metric, distinguishing characteristic, numbers, etc. The number may be social security, membership, ID, driver's license, passport, visa, club, frequent flyer, reward, loyalty, or virtually any number capable of identifying an individual.

[0160] Once received, the establishment may use the identification information to personalize various services, including but not limited to hospitality, advertising, rewards, and payments.

[0161] Example Services: Hospitality: In a simple, non-limiting example of a personal "hospitality service," a device associated with a business establishment may connect to a user device and request identification information; then, upon receiving the identification data, an individual who identifies the individual from the identification information welcomes the individual approaching the establishment.

[0162] Other non-limiting examples in which identification data or information may be utilized include, but are not limited to, personalization of authentication, security, encryption (cipher), or tokenization services. One non-limiting example includes the use of these services to verify identity at a payment terminal or checkout line. In this example, a photograph or other identification or authentication data may be transmitted by a first user device to a second device associated with a retail store or point-of-sale (PoS) terminal. Upon receiving the identification or authentication information, the individual may compare the data with a response from the individual, such as an answer to a question, a photograph of a face, or other identifiable characteristic that can be used to identify or verify who the individual is. In some embodiments, the question, image, or other information may be changed with each transaction to improve security.

[0163] Authentication Service: Another non-limiting example is a personalized authentication service based on biometric, behavioral, intellectual, or electronic information sent from one device to another. Upon receiving the data, an algorithm compares the information received from the device with information collected from living individuals to authenticate the individuals.

[0164] Authentication may also be personalized for various applications, including security services such as access control, time card management, and / or customizing credentials for logging into devices, computers, services, websites, and / or applications. In one embodiment, a personalized authentication service may detect devices, doors, websites, software, etc. that require credentials to provide device and / or user access. In some cases, the device (e.g., a smart card) may generate and / or manage the credentials.

[0165] In some embodiments, cryptographic services may be used to generate credentials for each piece of information provided by a user and / or device to support dynamic codes that may be used for authentication. The concept of dynamic pairing is described and claimed in co-pending, commonly owned application Ser. No. 14 / 217202, filed Mar. 17, 2014, entitled "The Unpassword: Risk Aware End-to-End Multi-Factor Authentication via Dynamic Pairing," which is incorporated herein in its entirety.

[0166] In other embodiments, tokenization services can be used to generate cryptographic messages, cryptograms, or tokens that can be personalized in response to information received by a user or device. Additionally, multiple tokens may be personalized to improve security of transactions, authentication, and payments. Multi-tokenization and personalized tokenization are further described in a commonly owned patent application entitled "Personalized and Dynamic Tokenization Method and System," filed July 14, 2016, and assigned application number 15 / 210728, which is incorporated herein in its entirety.

[0167] Example Services: Tokenization: In a non-limiting example, a first device, such as, but not limited to, a smart device such as a smartwatch, smartband, or smartcard, can transmit a token in response to information received from a user or, in some embodiments, from another device. The token may be generated via cryptographic elements local to the first device, or, in some embodiments, may be received from a second device, such as, but not limited to, a mobile phone. In still other embodiments, the first device may connect to a remote tokenization service directly or through a second device. The second device, in this example, a mobile phone, can communicate via an application or software to a third device, which in this example is the tokenization service, or in some embodiments, the second device may be tethered to the internet to connect to the remote tokenization service.

[0168] Multi-Tokenization: Tokens and / or cryptograms may be generated by a variety of methods, including, but not limited to, local generation such as EMV, HCE (Host Card Emulation), and / or cloud-based tokenization services such as MasterCard, Visa, and American Express. This disclosure supports interfaces where tokens and / or cryptograms may be directed, including, but not limited to, methods that transmit data to a magnetic stripe reader such as a wireless electromagnetic (Wi-mag) antenna, and "direct contact" methods including, but not limited to, dynamic EMV chips and / or induction coils. Other interfaces or forms of communication may include, but are not limited to, RFID (Radio Frequency Identification), NFC (Near Field Communication), BLE (Bluetooth low energy), Bluetooth, Wi-Fi, PAN (Personal Area Network), 3G standards, 4G standards, barcodes, QR codes, sound / audio, and / or light.

[0169] As used herein, one or more devices may be utilized to select an account, generate and / or transmit a token or cryptogram, and / or direct a payment to a payment interface and / or device. Devices that may be used to select, generate, and direct a payment include, but are not limited to, smart wallets, mobile phones, tablets, smart watches, and / or any other mobile or wearable devices, hereinafter referred to as "smart wallets." Devices that may be used to make payments may be referred to hereinafter as "payment devices." Services that generate tokens and / or cryptograms are hereinafter referred to as "tokenization services."

[0170] A user may direct a token using one or more inputs, including, but not limited to, behavioral input, biometric input, and / or a PIN (personal identification number). As used herein, a behavioral input is any action that can be taken that uniquely identifies a user. Such inputs may include, but are not limited to, voice input, touch input, facial expressions, gestures, actions, drawings, etc.

[0171] Examples of Services: Transaction Service: Figure 24 shows a "transaction service" in which, in this non-limiting example, a restaurant (waiter or waitress or user) establishes a connection with the device, receives and welcomes the member via the identification service, and requests payment after receiving preferences per preference service. The user, in this non-limiting example, uses a second device to select a payment method and then hands the first device to the waitress or waiter who makes the payment with the first device via one of several payment methods, which in the waitress example is NFC.

[0172] Transactions may include card-to-card transactions (such as the smart card example), mobile-to-card, or any first device-to-second device. Transactions can exchange rewards, points, currency, business cards, and other information.

[0173] In some embodiments, a first device (such as, in a non-limiting example, a smart card) may be detected by a second device (such as a taxi or fare) and may provide payment or account or alias information to the account to conduct the payment transaction.

[0174] Once a payment transaction is completed, the point of sale (PoS) device may transmit reward information to the user device via a personalized "reward service." Under this non-limiting example, the transaction or reward points made may be transmitted to the first device and then to an application that removes them from the device after "synchronizing" the reward point total before updating the reward balance on the first device.

[0175] Once a transaction is completed, the user device may periodically wake up a mobile app on the user's phone, which then establishes a communication connection and receives transaction information from the device. Once communication is established between the device and another device or service, one or more transactions stored on the device may be transferred to an application, server, cloud, or other entity that may have more memory, bandwidth, sustainable power, processing power, etc., and deleted from the user device, which may have limited memory as a wearable or other device. Reward points and / or currency, such as cryptocurrency, may also be synchronized between the user device and the other device, application, server, or cloud.

[0176] Devices associated with the establishment may also respond to the communications and / or beacons with information such as advertisements or requests for payment. The establishment may also recommend particular payment methods owned by the user, such as particular payment accounts, or advertise new payment accounts, whereby the user may "sign-up" by approving the transfer of private information requested by the establishment.

[0177] Example Service: Payment Suggestion: In some embodiments, the second device may customize suggestions to the first device or another user device regarding which transaction method or type to perform the transaction. A personalized “suggestion service,” or the like, may suggest information for conducting the transaction, such as, but not limited to, payment methods such as NFC, EMV, Wi-Mag, etc.; tokens or tokenization methods, cryptograms, etc.; payment cards such as, but not limited to, specific credit or debit cards, payment accounts, aliases of any of the aforementioned payment accounts, reward or loyalty accounts or numbers, or sales, discounts, promotions, coupons, etc. Suggestions may be triggered by various means, including, but not limited to, preferences and / or store names or locations.

[0178] Example Services: Location: In another embodiment, a "location service" on the second device detects that a business, entity, or facility is nearby and then sends an advertisement packet to wake up the user device or "first device." The location service allows low-power devices, such as smart cards, bands, and watches, to "asleep" or remain in a low-power state until their location is detected. Location may be achieved using a variety of means, including, but not limited to, beacons, Bluetooth power measurements, TDOA (Time Difference of Arrival), RFDOA (Radio Frequency Difference of Arrival), triangulation (where two or more devices triangulate with one or more other devices), or in some embodiments, GPS (Global Positioning System, which uses satellites to determine the location of one or more devices), or simply a message sent from the second device to the first device indicating the business name or location.

[0179] 25 is another non-limiting example in which a first device may transmit identification and / or "preferences" requested by a second device, in this case a business establishment, and the second device may transmit commercial advertisements or other information tailored to the preferences received per a personalized "advertisement service." Advertisements may include, but are not limited to, sales, discounts, promotions, coupons, marketing materials, brochures, clubs, loyalty, rewards, programs, or any multimedia or electronic advertisement. In some embodiments, advertisements may be transmitted electronically to the first device, while in other embodiments, advertisements may be communicated visually, audibly, or a combination via multimedia.

[0180] The introduction of preference-based personalized services under the present disclosure opens up many new and exciting applications and services that bring convenience to users during shopping, driving, dining, drinking, traveling and other activities where preferences can make user activities more convenient.

[0181] Example Services: Shopping: Here is a non-limiting example of a personalized service responsive to preferences exercised while shopping. As a user enters a store, mall, or other business establishment, devices such as, but not limited to, visual, audio, or multimedia displays, billboards, and the like may personalize advertisements or content on the billboard in response to information such as shopping preferences collected from a first device owned, operated, or carried by the user. Because many establishments may have multiple people passing through a particular location, a second device may choose to customize content based on preferences received from a single device, multiple devices, an average, or another statistical method.

[0182] Driving: Similar to shopping at retail stores, malls, and other land-based facilities, another non-limiting example relates to the presentation of advertisements while driving. As a user of a preference-containing device drives along the road, a second device in communication with an advertising billboard may personalize content in response to preferences received by one or more individuals in the car. The second device may select preferences from a single, multiple, average, or statistical method, such as multiple people walking past a multimedia display in a store or mall. In some embodiments, the first device may be a wearable, mobile, or other device, or in some embodiments, may be physically attached to a car, bicycle, skateboard, or other transportation device.

[0183] In some embodiments, the first device can characterize the movement as driving and conserve power by configuring itself in various power-saving modes. One such non-limiting mode includes configuring itself in a passive or semi-passive mode as desired and waiting for a signal from a second device, in this case a device associated with a billboard or equivalent roadside advertisement. When the signal from the second device is received by the first device, the first device wakes up and provides.

[0184] Dining: In another non-limiting example, a user may enter a restaurant. Upon entering the restaurant, the user's dining preferences may be automatically transferred to one or more devices at the restaurant. The preferences referred to herein may include, but are not limited to, preferred foods, allergens, favorite entrees, favorite appetizers, favorite beverages and desserts, foods and beverages most commonly ordered by the user, and / or any other non-limiting dining information. After the user's preferences are shared, one or more advertisements may be displayed or read to the user, including, but not limited to, menu items, deals, and / or promotions.

[0185] In some non-limiting embodiments, a warning may be displayed or illustrated to the user if the user attempts to click, select, view, or order a menu item that is an allergen. In other embodiments, the items and other content on the electronic menu are customized according to preferences for food, beverage, smoking, seating, allergies, ingredients, spices, temperature, cooking time (well done, medium, rare, etc.), cuisine, dish, meal, portion likes and dislikes, etc. This prioritized menu can better serve the user.

[0186] Group: In another non-limiting example of services provided according to a user's preferences, a user may enter a store or other institution, including a grocery store, and the user's preferences may be downloaded from the user device to the grocery store. After receiving the user's preferences, the grocery store may add the user to one or more of its membership programs based on the user's preferences. Furthermore, in response to the provided preferences, the grocery store device may communicate with the user's device to identify the location of their grocery preferences, their prices, healthy alternatives, etc.

[0187] The user device may also contain a list of needed groceries, as determined by a previous communication session with another device in the user's home (e.g., monitoring the contents of the refrigerator). This shopping list may be communicated to the grocery store device in a similar manner to grocery preferences.

[0188] Travel: Non-limiting examples include travel during travel. Consider travel where typically time-consuming activities are automated. For example, when a holder of information on a device goes through pre-check at an airport, authorities may automatically authorize the user based on information published from the device. In one embodiment, a smart card, watch, or "travel band," as non-limiting examples of "devices," may wake up, characterize the person's travels, and transmit data at intervals configured by the user based on a characterization or combination of activity and / or movement.

[0189] Personalized services that may be used in this example include wake-up, identification and authentication services.

[0190] Information transferred between devices under this embodiment may include, but is not limited to, authorization codes, authentication codes or other encrypted messages, reward numbers, flight or train numbers, geographic information such as, but not limited to, locations traveled in the last n days, the number of authentications the user has made with the user device, or similarly, the time and / or type of each authentication the owner has made with the device, and personal information such as name, address, location, allergies, medical problems, injection records, phone number, date of birth, passport number and other passport or visa information, driver's license and / or other personal identification information. In some embodiments, this information may be in the form of a token generated from one or more of the above information and recognized by one or more facility (or, in this case, security) devices.

[0191] Another example is when a user enters an establishment such as an airplane, train, taxi, hotel, restaurant, entertainment venue (bar, nightclub, theater, music, casino, or other entertainment venue). Beacons may be transmitted at intervals configured by the user or by a characterization of the person's movement derived from an on-device accelerometer or equivalent component, or a combination of both. Here, the establishment may personalize service to the customer by welcoming the owner of the information on the user's device, such as "welcome Mr. Tunnell," upon approaching a lobby, counter, table, or equivalent location by receiving some identifying information via the beacon, Bluetooth, BLE, WiFi, or equivalent communication.

[0192] Information that may be exchanged according to this non-limiting example includes the user's name, seat number, smoking or non-smoking, pet or no pets, allergies, medical issues, shot record, flight or train connections, food and / or drinking preferences, seating, sleeping, and / or other preferences that personalize the service to the user.

[0193] Security: In another embodiment, the user may be prompted to perform additional authentication such as, but not limited to, a PIN (personal identification number), a tap code (a tap area on the device), a tap code / location combination (a tap code is entered when the device is held in one or more locations to form a "location PIN"), a password, a gesture, a biometric, or a combination of authentication steps, such as, but not limited to, answering a personal question. In this embodiment, the device can notify the user via some sound, word, vibration, buzzer, display, or in other embodiments, by sending a notification to another device, such as a phone, watch, band, and / or jewelry, notifying the user that additional information and / or authentication is required. See examples shown in FIG. 27 (location coupled with tap of card sensor) and FIG. 28 (drawing a gesture on the smartphone display while the smartphone is in different locations). Location PINs are further described in a commonly owned patent application entitled "Methods and Systems Related to Multi-Factor Multi-Dimensional Hidden Security PINS," filed July 30, 2015, and assigned application serial number 62 / 198,817, which is incorporated herein in its entirety.

[0194] Accommodation: As a user approaches a hotel lobby, the user device can query (communicate with) the establishment device to obtain information to check the individual in. Thus, in this embodiment, the owner of the information can configure the device to automatically check the individual in by publishing relevant information. In some embodiments, the user may be prompted to approve the publication of certain private information, such as, but not limited to, payment account information. Thus, the establishment can check in the owner of the information on the user device as the owner approaches the lobby. Figure 29 illustrates the check-in process using a mobile application that performs the check-in procedure in response to a beacon signal.

[0195] Information that may be exchanged in accordance with this embodiment includes, but is not limited to, authorization codes, authentication codes or other encrypted messages, reward numbers, flight or train numbers, geographic information such as, but not limited to, locations traveled in the past "n" days, the number of authentications the user has made with the user device, or similarly the time and / or type of authentication for each authentication the owner has made with the device, payment information, personal information such as name, address, location of stay, allergies, medical issues, injection records, phone number, date of birth, passport number and other passport or visa information, driver's license and / or other personal identification information, and / or other information relevant to customizing service for a particular person or room.

[0196] Room Key: One or more facility devices may respond by downloading one or more room keys to the user device. This room key information may be in the form of a token or other cryptogram or some other identifier, key, etc. Validity periods, room numbers, and other information may also be sent to the device, and the user device may be used as a room key specific to a given room or time period or for access to other entertainment or locations.

[0197] Once configured, the device may be used to open the door like a room key. In this embodiment, the door may be opened using methods such as those described in commonly owned patent application Ser. No. 14 / 217,289, entitled "Universal Authentication and Data Exchange Method, System and Service," filed Mar. 17, 2014, and incorporated herein in its entirety.

[0198] These methods include magnetic stripe, wireless magnetic stripe, NFC, Bluetooth, BLE, WiFi, RFID, sound, light, etc.

[0199] Administration (preference changes): In another non-limiting example of an "administration service," a mobile app sends a wake-up signal to the device, and upon receipt, the device starts advertising to allow connections. In this embodiment, communication can be established via a physical contact, such as an EMV contact from a laptop on a smart card device via USB, as a non-limiting example, or via a Bluetooth advertisement packet from a smartphone to a smart watch, as another non-limiting example.

[0200] Once connected to the device, the user may perform various management functions through the application, including, but not limited to, assigning or unassigning members, updating and rebooting software, retrieving the device's firmware version and battery level, and adding / modifying and / or deleting categories, records, and public and private information by device.

[0201] Authentication Services: Another example of a personalized service includes authentication. Authentication may be performed by symmetric, asymmetric, biometric, knowledge-based, behavioral-based, public / private, and / or combinations and / or other methods. One such method uses risk scores without revealing personal information, such as, but not limited to, the techniques described in co-pending and commonly owned patent application Ser. No. 14 / 217202, filed Mar. 17, 2014, entitled "The Unpassword: Risk Aware End-to-End Multi-Factor Authentication via Dynamic Pairing," which is incorporated herein in its entirety.

[0202] In some embodiments, the user device may be used to authenticate with the Internet, servers, applications, websites, other devices such as phones, tablets, laptops, desktops and other computing devices, and Internet of Things (IOT) devices such as ambient, lighting, fire and security alarms, fans, refrigerators, cooking and dishwashing devices, and entertainment devices; services such as, but not limited to, lighting, food, alarms, music, television, etc. may be personalized by the presence of the user device.

[0203] Information that a user's device may store and / or generate includes, but is not limited to, usernames, passwords, keys, and / or dynamic pairing codes, etc., so that end-to-end authentication and / or encryption / decryption may occur between the user device and other devices. In this manner, the user device may be used as an authentication device for a FOB or other device.

[0204] Notification Services: Devices and mobile apps may send notifications to each other. Notifications may include text, chat, email, phone call, etc., and may also include battery charge or level, payment method, connectivity, etc. In some embodiments, notifications may also activate an LED to light up. Notifications may be sent to devices in response to notifications, messages, text messages, phone calls, emails, alarms, accounting information, budget information, fraud alerts, other alerts, and any notification that requires alerting the user or device. In a non-limiting example, a first device stores a user's phone number. When a second device receives a fraud alert from a bank, the second device contacts the first device to obtain the phone number, whereby the first device provides the number, the second device calls the phone number, and the user answers.

[0205] Swimming (NOTIFICATIONS): In a non-limiting example of a notification, the user may want to go swimming. The user may want to leave their cell phone behind and take the user device with the room key information because the device is actually their room key and is waterproof. If the user decides to take their cell phone, notifications from the cell phone to the user device may keep the user updated via text, chat, email, phone call, etc. while at the pool. If the user wants to purchase some food or drink, the user may select a payment account from multiple payment accounts stored on the user device and may make the payment using any one of several payment communications methods, including but not limited to EMV, NFC, magnetic stripe, Wi-Mag, QR code, BLE, etc.

[0206] Rewards: When a user utilizes a user device to make a payment, a reward may be notified to the user on the user device. This may be accomplished by the user device receiving certain information about the transaction, including, but not limited to, the amount, time of purchase, item purchased, store name, location, etc. In the case of point-of-sale (POS) systems that cannot communicate directly with the user device, the service and / or app may collect data from the financial institution that holds the owner's account and send it to an app on the user's device, such as a mobile phone, which may then collect and / or send transaction information to and / or from the user device to calculate rewards, points, etc. for the transaction. If, as in some embodiments, the reward is not calculated locally to the user device, it may be calculated by the service and / or app and sent to the user device for display on a display local to the user device. In this way, the user may keep track of all rewards for various reward and loyalty accounts as transactions are made.

[0207] Pocket Account: An additional feature of this "closed-loop" system that collects transaction information for all transactions is fraud prevention. All transactions to the account may be sent to the user's device via a service or app, and the user may confirm or deny the transaction. The application may also automatically match payment information received from the point of sale with payment information received by the user's device from the service that sends payment information from the bank or issuer to the application.

[0208] Additionally, each transaction may be approved by the user and tracked by a specific category or code or accounting code to maintain a budget. Closed transaction methods and systems can maintain multi-party budgets so that a husband and wife can view each other's purchases and determine how much has been spent against a given category's budget amount. Certain transactions may be coded for accounting purposes, either automatically or via suggestions to the user. Thus, typical household or business expenses may be tracked via codes for travel, food, office, etc.

[0209] The disclosure herein incorporates each of these features within a user device, and in some embodiments, within an app on the user device, phone, or other computing device, or a service on a server or cloud, or a combination of each.

[0210] Other exemplary services that may be provided in accordance with the present disclosure relate to check-in services where private information is released from a card or device for checking in at a facility, inventory control detection of all contents in proximity to a device or card (e.g., wallet, purse, luggage), preference analysis services where preferences are tailored to historical information collected from the card or user, such as locations visited, transactions performed (value, purchase amount, etc.), spending habits, tendencies, etc., and then combined with other analytics collected from social media, such as likes / dislikes from web search services.

[0211] An exemplary system for implementing various software aspects of this disclosure includes a computing device or network of computing devices. In a basic configuration, a computing device may include any type of fixed or mobile computing device. A computing device typically includes at least one processing unit and a system memory. Depending on the exact configuration and type of computing device, the system memory may be volatile (such as RAM), non-volatile (such as ROM, flash memory, etc.), or some combination of the two. The system memory typically includes an operating system, one or more applications, and may include program data. A computing device may also have additional features or functionality. For example, a computing device may also include additional data storage devices (removable and / or non-removable), such as, for example, magnetic disks, optical disks, or tape. Computer storage media may include volatile and non-volatile, removable and / or non-removable media implemented in any method or technology for storage of information such as computer-readable instructions, data structures, program modules, or other data. System memory, removable storage, and non-removable storage are all examples of computer storage media. Non-transitory computer storage media include, but are not limited to, RAM, ROM, EEPROM, flash memory or other memory technology, CD-ROM, digital versatile disks (DVDs) or other optical storage devices, magnetic cassettes, magnetic tape, magnetic disk storage devices or other magnetic storage devices, or any other physical medium that can be used to store desired information and that can be accessed by a computing device. Any such computer storage media may be part of the device. A computing device may also have input devices such as a keyboard, mouse, pen, voice input device, touch input device, etc. Output devices such as a display, speakers, printer, etc. may also be included.A computing device also includes communication connections that allow the device to communicate with other computing devices, such as over a network or a wireless network. By way of example, and not limitation, communication connections may include wired media such as a wired network or direct-wired connection, and wireless media such as acoustic, RF, infrared and other wireless media.

[0212] Computer program code for carrying out the operations of the present disclosure described above may be written in a high-level programming language such as C or C++ for development convenience. Furthermore, computer program code for carrying out the operations of embodiments of the present disclosure may also be written in other programming languages, such as, but not limited to, interpreted languages. Some modules or routines may be written in assembly language or microcode to improve performance and / or memory usage. It will be further understood that any or all of the functionality of the program modules may be implemented using discrete hardware components, one or more application-specific integrated circuits (ASICs), or programmed digital signal processors or microcontrollers. The program code of the present disclosure may be contained in RAM, ROM, or flash memory as firmware. Alternatively, the code may be stored on a tangible computer-readable storage medium, such as a magnetic tape, a floppy disk, a hard disk, a compact disc, a magneto-optical disk, or a digital versatile disc (DVD). The present disclosure may be configured for use with a computer or information processing device that includes a central processing unit (CPU), memory such as RAM and ROM, and a storage medium such as a hard disk.

[0213] The "step-by-step processes" for carrying out the functions claimed herein are specific algorithms, which may be illustrated as mathematical formulas, prose, and / or flowcharts in the body of the specification. Software program instructions create special-purpose machines for executing the particular algorithms. Thus, in any means-plus-function claim herein in which the disclosed structure is a computer or microprocessor programmed to execute an algorithm, the disclosed structure is not a general-purpose computer, but rather a special-purpose computer programmed to execute the disclosed algorithm.

[0214] A general-purpose computer or microprocessor may be programmed to execute the algorithms / steps of the present disclosure to create a new machine. A general-purpose computer becomes a special-purpose computer when programmed to perform specific functions pursuant to instructions from the program software of the present disclosure. The software program instructions that execute the algorithms / steps electrically modify the general-purpose computer by creating electrical pathways within the device. These electrical pathways create a special-purpose machine for performing the particular algorithms / steps.

[0215] Unless otherwise stated as will be apparent from the description, throughout the description, descriptions utilizing terms such as "processing" or "computing" or "calculating" or "determining" or "displaying" will be understood to refer to the operations and processes of a computer system or similar electronic computing device that manipulates and converts data represented as physical (electronic) quantities in the computer system's registers and memory into other data similarly represented as physical quantities in the computer system's memory or registers or other such information storage, transmission or display devices.

[0216] Several commonly owned and proprietary applications are related to this disclosure and are each incorporated herein in their entirety, including a patent application filed on June 23, 2015 and assigned U.S. Ser. No. 15 / 191,466, entitled "Personalized and Intelligently Connected Method and System to Authenticate and Backup Data on a Device," a provisional patent application filed on July 5, 2015 and assigned U.S. Ser. No. 62 / 188,684, entitled "Behavioral-Directed Authentication Method and System," a provisional patent application filed on April 3, 2015 and assigned U.S. Ser. No. 62 / 143,028, entitled "Miniature, Multi-purpose Antenna Method and System for Low-Power Close-Proximity Communications and Energy Transfer," and a provisional patent application filed on July 14, 2015 and assigned U.S. Ser. No. 62 / 192,218, entitled "Personalized Tokenization System and Method."

[0217] In some other embodiments, the establishment may transmit a beacon and the device may receive and respond to the beacon, or vice versa. The present disclosure is not limited to which device transmits the beacon. Information the establishment may transmit may include, but is not limited to, store name, identity, geographic location, and advertisements. In other embodiments, the device and the establishment may simply communicate with each other. In yet other embodiments, the device may transmit a beacon or a communication with another device, such as a smartphone. Information that may be passed includes configuration information from a user interface on an application on the phone.

Claims

1. A system for controlling information provided to a purchaser, comprising: a card held by the purchaser, the card storing information related to personal purchasing preferences selected by the purchaser; a device for receiving the card and retrieving the preferences from the card; Equipped with The system, wherein the device controls the presentation of information related to the preferences to the purchaser.

2. The system of claim 1 , wherein the device is located inside a retail establishment and the retrieved preferences are associated with items or services for purchase inside the retail establishment.

3. 10. The system of claim 1, wherein the device controls a visual display, a video display, a bulletin board, an electronic menu, a video playback device, an audio playback device, a multimedia device, or an RF (radio frequency) device to control the information presented.

4. The system of claim 1 , wherein the information includes advertisements for products or services related to the preferences.

5. The system of claim 1 , wherein the preference relates to a preferred food item, a preferred menu item, a preferred beverage item, or a preferred overnight accommodation.

6. The system of claim 1 , further comprising a second device for providing personalized services according to the preferences.

7. the device is located within a facility that provides overnight accommodations; The system of claim 1 , wherein the information includes downloading a room key to the card or the information configures the card to function as a room key.

8. further comprising a display for viewing by said purchaser; the display is controlled by the device; The system of claim 1 , wherein the device modifies the content of the display in response to at least one preference retrieved from the card when the purchaser is detected in proximity to the display.

9. further comprising a display for viewing by said purchaser; the display is controlled by the device; The system of claim 1 , wherein the content of the display is derived from an aggregation of preferences received from two or more cards.

10. further comprising a display in the shopping area; The system of claim 1 , wherein the device controls the information presented in response to preferences retrieved from the card when the purchaser is detected at a predetermined distance from the display.

11. a weight is assigned to one or more of the preferences; The system of claim 1 , wherein the content and amount of information provided to the purchaser is responsive to the weight.

12. The system of claim 1 , wherein the preferences retrieved from the card or the presented information related to the preferences is governed by authentication and encryption requirements.

13. A system for providing information to purchasers, comprising: a first device possessed by the purchaser and operable in a sleep state and an awake state; a second device, not under the control of the purchaser, for storing personal purchasing preferences selected by the purchaser; Equipped with the second device responding to the presence of the first device within a predetermined distance of the second device and responding to the first device being in the awake state; the second device providing the purchaser with information customized to the preferences; The system, wherein the information further includes one or more of an image on a display, audio from a speaker, a video image, a still image, and audio from a multimedia device.

14. 14. The system of claim 13, wherein the first device is one of a smart card, a smart wallet, a smartphone, a wearable device, a mobile device, and a portable device.

15. The system of claim 13 , wherein the information includes advertisements for products related to the preferences.

16. The system of claim 13 , wherein the information or personal preferences relate to a preferred food item, a preferred menu item, a preferred beverage item, or a preferred overnight accommodation.

17. The system of claim 13 , further comprising a third device for providing personalized services responsive to the personal preferences.

18. the second device is located within a facility that provides overnight accommodations; The system of claim 13 , wherein the information includes downloading a room key to the first device or configuring the first device to act as a room key.

19. the purchaser includes a shopper; 14. The system of claim 13, wherein the second device changes the content of the display when the shopper is detected less than a predetermined distance from the display or when the shopper is detected at a predetermined time before reaching the display.

20. 1. A system for controlling information provided to a user, comprising: a first device carried by the user, the first device being adapted to store preferences and instructions of the user; a plurality of second devices, each operable to perform a function associated with one of the preferences and the instructions; Equipped with each second device of the plurality of second devices performs a corresponding function in response to receiving a preference or command from the first device when the first device and the second device are in communication range; wherein each second device of the plurality of second devices provides corresponding information to the user in response to receiving preferences or commands from the first device when the first device and the second device are within communication range.

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