Device including user exclusive data tag

This application claims priority to and is a non-provisional of U.S. provisional patent application No. 61/048,814, filed on Apr. 29, 2008, which is incorporated herein by reference in its entirety for all purposes.

A traditional payment process utilizing a bank issued payment card includes the reading of data from a contactless payment card in the form of track data. An authorization request message including the data from the contactless payment card is thereafter generated by an access device. This authorization request message is then sent to the issuer of the contactless payment card. Other transaction information including an indicator of the type of transaction (e.g., contactless) and the amount of the transaction is also included in the authorization request message. After the issuer receives the authorization request message, the issuer sends an authorization response message back to the merchant with an immediate authorization or decline of the transaction at the time of the purchase based on the issuer\'s rules for authorization. This is considered an on-line transaction.

While traditional payment processes such as these are useful, improved services and improved functionality in the context of payment transactions would also be desirable.

Embodiments of the invention address these and other problems, individually and collectively.

Embodiments of the invention are directed to consumer devices, methods, and systems that use user exclusive data tags such as customer exclusive data tags in transactions such as purchase transactions.

One embodiment of the invention is directed to a consumer device comprising: a body; and a memory comprising a computer readable medium disposed on or within the body, the computer readable medium comprising user exclusive data, wherein the user exclusive data is configured to be transmitted in an authorization request message comprising the user exclusive data in a user exclusive data tag.

Another embodiment of the invention is directed to a method comprising: receiving, at a server computer, an authorization request message comprising user exclusive data in a user exclusive data tag, wherein the user exclusive data was previously stored in a consumer device; analyzing the authorization request message; and performing additional processing based on the user exclusive data.

Another embodiment of the invention a method comprising: obtaining a consumer device comprising a body, and a memory comprising a computer readable medium disposed on or within the body, the computer readable medium comprising user exclusive data; and using the consumer device to interact with an access device, wherein the access device thereafter generates and sends an authorization request message comprising a user exclusive data tag comprising the user exclusive data to an issuer associated with the portable consumer device.

Embodiments of the invention are directed to specific combinations of these different aspects, as well as specific embodiments related to those specific aspects.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 shows a block diagram of a system that can be used in some embodiments of the invention.

FIG. 2(a) shows a block diagram of a consumer device in the form of a phone.

FIG. 2(b) shows an illustration of a payment card.

FIG. 3 shows a block diagram of an access device according to an embodiment of the invention.

FIG. 4 shows a block diagram of a computer apparatus.

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Data processing: financial, business practice, management, or cost/price determination

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