{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-9691059","patent":{"patent_number":"US-9691059","title":"Systems and methods for transactions using an ATM/credit/debit card and a second communications channel to an account holder's bank","assignee":null,"inventors":[],"filing_date":"2009-07-17T00:00:00.000Z","publication_date":"2017-06-27T00:00:00.000Z","cpc_codes":["G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G07F","G06Q"],"num_claims":16,"abstract":"Systems and methods for performing a transaction with a headless point-of-sale or automated teller machine (ATM) device are disclosed using a card having a second communications path to a financial services provider. A card having a display and radio frequency (RF) communications module may be authenticated with a headless point-of-sale device using a short-range RF communications link. Characteristics of the card may be set prior to the transaction. Transaction information may be provided to the display of the card from the headless point-of-sale device. A customer may confirm the transaction at the card using a touch-sensitive input area. During the processing, a communication may be made over the second communications path to authorize the transaction independently of the transaction processing path. A transaction may then be completed at the headless point-of-sale device."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Systems and methods for transactions using an ATM/credit/debit card and a second communications channel to an account holder's bank","description":"Systems and methods for performing a transaction with a headless point-of-sale or automated teller machine (ATM) device are disclosed using a card having a second communications path to a financial se","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-9691059","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-9691059","citation_suggestion":"Patentable. \"Systems and methods for transactions using an ATM/credit/debit card and a second communications channel to an account holder's bank\" (US-9691059). https://patentable.app/patents/US-9691059","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-9691059","json":"https://patentable.app/api/llm-context/US-9691059","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-06-06T04:40:56.427Z"}