INTERFACING TRANSACTION CARDS WITH HOST DEVICES

• US 20090069049A1
• Filed: 09/05/2008
• Published: 03/12/2009
• Est. Priority Date: 09/12/2007
• Status: Abandoned Application

• Current Assignee: DeviceFidelity, Inc. (Block, Inc. (f/k/a Square, Inc.))
• Original Assignee: DeviceFidelity, Inc. (Block, Inc. (f/k/a Square, Inc.))
• Inventors: Jain, Deepak
• Application Number:
  US12/205,807
• Publication Number:
  US 20090069049A1
• Time in Patent Office: Days
• US Class Current: 455/558
• CPC Class Codes: G06F 21/34 involving the use of external additional devices, e.g. dongles or smart cards
• CPC Class Codes: G06K 19/07707 the visual interface being a display, e.g. LCD or electronic ink
• CPC Class Codes: G06K 19/07739 comprising a first part capable of functioning as a record carrier on its own and a second part being only functional as a form factor changing part, e.g. SIM cards type ID 0001, removably attached to a regular smart card form factor
• CPC Class Codes: G06K 19/07773 Antenna details antennas for wireless devices, e.g. RFID tags, in general H01Q1/22
• CPC Class Codes: G06K 7/10237 the reader and the record carrier being capable of selectively switching between reader and record carrier appearance, e.g. in near field communication [NFC] devices where the NFC device may function as an RFID reader or as an RFID tag
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/355 Personalisation of cards for use
• CPC Class Codes: G06Q 20/3574 Multiple applications on card
• CPC Class Codes: G06Q 20/3576 Multiple memory zones on card
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 : Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: H04B 1/3816 : Mechanical arrangements for accommodating identification devices, e.g. cards or chips; with connectors for programming identification devices
• CPC Class Codes: H04L 2463/102 : applying security measure for e-commerce data processing systems or methods, specially adapted for e-commerce G06Q30/00
• CPC Class Codes: H04L 41/32 : Specific management aspects for broadband networks
• CPC Class Codes: H04L 63/083 : using passwords cryptographic mechanisms or cryptographic arrangements for entity authentication using a predetermined code H04L9/3226
• CPC Class Codes: H04L 63/0853 : using an additional device, e.g. smartcard, SIM or a different communication terminal cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234
• CPC Class Codes: H04L 63/0876 : based on the identity of the terminal or configuration, e.g. MAC address, hardware or software configuration or device fingerprint
• CPC Class Codes: H04M 1/0274 : for an electrical connector module
• CPC Class Codes: H04M 1/7246 : by connection of exchangeable housing parts
• CPC Class Codes: H04M 17/103 : using SIMs (USIMs) or calling cards
• CPC Class Codes: H04M 17/106 : using commercial credit or debit cards
• CPC Class Codes: H04M 2017/12 : using calling, telephone credit/debit cards
• CPC Class Codes: H04M 2017/14 : using commercial credit/debit cards, e.g. VISA, AMEX
• CPC Class Codes: H04W 12/068 : using credential vaults, e.g. password manager applications or one time password [OTP] applications
• CPC Class Codes: H04W 12/069 : using certificates or pre-shared keys
• CPC Class Codes: H04W 12/08 : Access security
• CPC Class Codes: H04W 52/0254 : detecting a user operation or a tactile contact or a motion of the device
• CPC Class Codes: H04W 52/0274 : by switching on or off the equipment or parts thereof
• CPC Class Codes: H04W 88/02 : Terminal devices
• CPC Class Codes: Y02D 30/70 : in wireless communication networks

Abstract

The present disclosure is directed to a system and method for interfacing transaction cards with mobile devices. In some implementations, a method includes identifying the mobile host device in response to at least insertion of at least a portion of the card into a port of the mobile host device. The mobile host device includes a Graphical User Interface (GUI). The card wirelessly executes financial transactions with a retail terminal independent of the mobile host device and presents and receives information through the GUI of the mobile host device. One or more commands are transmitted to the mobile host device in response to at least an event. The card substantially controls one or more hardware elements of the mobile host device using the one or more commands.

Claims

1. A method for interfacing a mobile host device and a card, comprising:

identifying the mobile host device in response to at least insertion of at least a portion of the card into a port of the mobile host device, wherein the mobile host device includes a Graphical User Interface (GUI), the card wirelessly executes financial transactions with a retail terminal independent of the mobile host device and presents and receives information through the GUI of the mobile host device; and

transmitting one or more commands to the mobile host device in response to at least an event, wherein the card substantially controls one or more hardware elements of the mobile host device using the one or more commands.

2. The method of claim 1, wherein the port comprises a slot.

3. The method of claim 1, wherein the one or more commands comprise one or more first commands, the event comprises a first event, further comprising receiving one or more second commands from the mobile host device in response to at least a second event.

4. The method of claim 3, wherein the second event comprises a user selecting a graphical element through the GUI of the mobile host device.

5. The method of claim 1, wherein the one or more second commands include one or more International Organization for Standardization (ISO) 7816.

6. The method of claim 1, wherein the port comprises one of a SecureDigital (SD) slot, a miniSD slot, an MMC slot, a miniMMC slot, a microMMC slot, a USB port, miniUSB port, a microUSB firewire port, the Apple iDock port or a microSD slot.

7. The method of claim 1, further comprising:

translating the one or more commands to a form compatible with the mobile host device prior to transmission; and

translating data from the mobile host device to a form compatible with the card.

8. The method of claim 1, wherein the event comprises the card receiving a transaction request from the retail terminal.

9. The method of claim 1, wherein the one or more hardware elements comprises a display, the one or more commands presents through the GUI a request for a user to input information.

10. The method of claim 9, wherein the request for user identification data including at least one of a Personal Identification Number (PIN), a user ID and password, or a biometric signature.

11. The method of claim 1, wherein the one or more commands request information associated with the one or more hardware elements.

12. The method of claim 11, wherein the requested information includes at least one of a phone number, a device ID, a subscription ID, a network code, a connection status, location information, Wi-Fi beacons or GPS data.

13. The method of claim 1, wherein the one or more hardware components includes cellular radio technology, the one or more commands transmit packet data using cellular radio technology of the mobile host device.

14. The method of claim 13, wherein the packet data includes at least one of Short Message Service (SMS) data, cellular data, or WiFi data.

15. The method of claim 13, further comprising transmitting a request to the mobile host device to establish a connection channel to forward to the card information associated with one or more parameters and received by the cellular radio technology of the mobile host device.

16. A card, comprising:

a processing module that identifies a mobile host device in response to at least insertion of the card into a port of the mobile host device, wherein the mobile host device includes a Graphical User Interface (GUI), the card wirelessly executes financial transactions with retail terminals independent of the mobile host device and presents and receives information through the GUI of the mobile host device; and

an Application Program Interface (API) that transmits one or more commands to the mobile host device in response to at least an event, wherein the card substantially controls one or more hardware elements of the mobile host device using the one or more commands.

17. The card of claim 16, wherein the port comprises a slot.

18. The card of claim 16, wherein the one or more commands comprise one or more first commands, the event comprises a first event, the API further receives one or more second commands from the mobile host device in response to at least a second event.

19. The card of claim 18, wherein the second event comprises a user selecting a graphical element through the GUI of the mobile host device.

20. The card of claim 18, wherein the one or more second commands include one or more International Organization for Standardization (ISO) 7816 commands.

21. The card of claim 16, wherein the port comprises one of an SD slot, a miniSD slot, an MMC slot, a miniMMC slot, a microMMC slot, a USB port, miniUSB port, a microUSB firewire port, the Apple iDock port or a microSD slot.

22. The card of claim 16, the API further operable to:

translate the one or more commands to a form compatible with the mobile host device prior to transmission; and

translate data from the mobile host device to a form compatible with the card.

23. The card of claim 16, wherein the event comprises the card receiving a transaction request from a retail terminal.

24. The card of claim 16, wherein the one or more hardware elements comprises a display, the one or more commands presents through the GUI a request for a user to input information.

25. The card of claim 24, wherein the request comprises a request for user identification data including at least one of a PIN, a user ID and password, or a biometric signature.

26. The card of claim 16, wherein the one or more commands request information associated with the one or more hardware elements.

27. The card of claim 26, wherein the requested information includes at least one of a phone number, a device ID, a subscription ID, a network code, a connection status, location information, a Wi-Fi beacon or GPS data.

28. The card of claim 16, wherein the one or more hardware components includes cellular radio technology, the one or more commands transmit packet data using the cellular radio technology of the mobile host device.

29. The card of claim 28, wherein the packet data includes at least one of SMS data, cellular data, or WiFi data.

30. The card of claim 28, the API further operable to transmit a request to the mobile host device to establish a connection channel to forward to the card information associated with one or more parameters and received by the cellular radio technology of the mobile host device.