Systems and methods for programmable payment cards and devices with loyalty-based payment applications

Abstract

A payment card (e.g., credit and/or debit card) or other device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. Data may include the type of reward that a user would like to earn as a result of making a purchase or the type of reward that a user would like to utilize to at least partially pay for a purchase.

1 - 4 . (canceled) 
     
     
         5 . A device, comprising:
 a communications device; and   a first button operable to communicate payment data via the communications device, the payment data associated with a plurality of payment methods.   
     
     
         6 . The device of  claim 5 , wherein the payment data includes a plurality of payment information bundles. 
     
     
         7 . The device of  claim 5 , wherein the payment data includes a plurality of payment information bundles, and
 the communications device is operable to serially communicate the plurality of payment information bundles.   
     
     
         8 . The device of  claim 5 , wherein the payment data includes a plurality of payment information bundles,
 each of the payment information bundles is associated with a different payment method, and   the communications device is operable to serially communicate the plurality of payment information bundles.   
     
     
         9 . The device of  claim 5 , wherein the first button is operable to communicate data indicative of a split order. 
     
     
         10 . The device of  claim 5 , wherein the first button is operable to communicate data indicative of a split order in at least one discretionary field of payment information. 
     
     
         11 . The device of  claim 5 , wherein the payment data includes a plurality of payment information bundles,
 each of the payment information bundles is associated with a different payment method,   split order information is included in the discretionary fields of each of the plurality payment information bundles, and   the communications device is operable to serially communicate the plurality of payment information bundles.   
     
     
         12 . The device of  claim 5 , wherein the payment data is indicative of a desire to complete a purchase using the plurality of payment methods. 
     
     
         13 . The device of  claim 5 , further comprising:
 a second button operable to communicate apportioning data,   wherein the payment data is indicative of a desire to complete a purchase using the plurality of payment methods, and   the apportioning data is indicative of a desired apportionment of the purchase between the plurality of payment methods.   
     
     
         14 . The device of  claim 5 , wherein the payment data is indicative of a user's desire to split a bill between two different payment accounts. 
     
     
         15 . The device of  claim 5 , further comprising:
 a second button operable to communicate apportioning data,   wherein the payment data is indicative of a user's desire to split a bill between two different payment accounts, and   the apportioning data is indicative of proportions of the split.   
     
     
         16 . The device of  claim 5 , wherein the communications device is at least one of a dynamic magnetic stripe communications device, an RFID and an IC Chip. 
     
     
         17 . The device of  claim 5 , wherein the communications device includes a dynamic magnetic stripe communications device, an RFID and an IC Chip. 
     
     
         18 . The device of  claim 5 , wherein the device including the communications device and the first button is a mobile telephonic device. 
     
     
         19 . The device of  claim 5 , wherein the device including the communications device and the first button is a powered card. 
     
     
         20 . The device of  claim 5 , further comprising a light emitting diode. 
     
     
         21 . The device of  claim 5 , further comprising a display. 
     
     
         22 . The device of  claim 5 , further comprising switching circuitry. 
     
     
         23 . The device of  claim 5 , further comprising a biometric sensor.