Patent ID: 11935034
Assignee: BANK OF AMERICA CORPORATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 4:
5. A smartwatch device comprising:
a plurality of hardware components; and
a plurality of software components;
the plurality of hardware components comprising:
a microprocessor, the microprocessor operable to provide processing capabilities to the plurality of hardware components and the plurality of software components;
a nano light emitting diode (“LED”) touch screen, the nano LED touch screen operable to:
display a plurality of software displays as instructed by the microprocessor; and
receive user input;

a scanner, the scanner operable to capture a plurality of card photographs, said plurality of card photographs relating to a plurality of payment cards;
a nano wireless network interface card;
a battery, the battery operable to power the microprocessor, the nano LED touch screen, the scanner and the nano wireless network interface card;

the plurality of software components operable to:
identify a set of card data elements from each captured card photograph included in the plurality of card photographs, each set of card data elements relating to a card included in the plurality of payment cards;
capture a user-inputted transaction amount for each of the plurality of payment cards, via a software display displayed on the nano LED touch screen, said software display included in the plurality of software displays;
for each card included in the plurality of payment cards, link the transaction amount to the set of card data elements;
for each card included in the plurality of payment cards, transmit the set of card data elements to an external card entity associated with the card, the external card entity being identified in the set of card data elements;
for each card included in the plurality of payment cards, receive an account number from the external card entity;
upon receipt of the account number from each external card entity, aggregate each set of card data elements linked to the transaction amount and the account number into an aggregated transaction payload;

identify one or more payee data elements;
interface between the nano wireless network interface card and an external Wi-Fi device to provide wireless connectivity to the smartwatch device;
receive, at a payment interface included in the plurality of software components, wireless connectivity;
receive, at the payment interface, processing capabilities from the microprocessor;
receive, at the payment interface, the aggregated transaction payload and the one or more payee data elements;
transmit, at the payment interface, the aggregated transaction payload and the one or more payee data elements to an external entity; and
receive, at the payment interface a confirmation from the external entity.