Hand-held Electronics Device for Aggregation of and Management of Personal Electronic Data

• US 20100260388A1
• Filed: 12/30/2009
• Published: 10/14/2010
• Est. Priority Date: 12/31/2008
• Status: Active Grant

• Current Assignee: Edge Mobile Payments LLC
• Original Assignee: Oi Holdings 1, LLC
• Inventors: Garrett, Peter, Regen, Paul
• Granted Patent: US 9,536,238 B2
• Time in Patent Office: Days
• US Class Current: 382/124
• CPC Class Codes: G06Q 20/22 Payment schemes or models
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: H04Q 2213/13095 PIN / Access code, authentication

Abstract

A hand-held electronics device for aggregation of and management of personal electronic data useable for identification and, or transacting business includes a digital medium for storing data and software, a card reading/writing interface, a display screen, a biometric scanner, a user interface application stored on and executable from the digital medium and a docking bay for docking a readable and rewriteable internal card blank.

Claims

1. A hand-held electronics device for aggregation of and management of personal electronic data useable for identification and, or transacting business comprising:

a digital medium for storing data and software;

a card reading/writing interface;

a display screen;

a biometric scanner;

a user interface application stored on and executable from the digital medium and a docking bay for docking a readable and rewriteable internal card blank.

2. The electronics device of claim 1 useable for network navigation and communication.

3. The electronics device of claim 1 wherein the display screen is an organic light emitting diode (OLED) touch screen.

4. The electronics device of claim 1 wherein the card reading and writing interface is a magnetic card reader-writer for reading and writing to magnetic media associated with a magnetic card.

5. The electronics device of claim 1 further including an image-scanning interface for scanning whole cards and reading magnetic card data.

6. The electronics device of claim 1 wherein the personal electronic data includes credit card data, debit card data, store-issued card data, and identification card data.

7. The electronics device of claim 1 wherein the user interface displays on the touch screen interface.

8. The electronics device of claim 7 wherein the interface includes selectable options for confirming identity, selecting and loading individual personal data sets for write, ejecting the internal card blank, and for navigating to account information hosted on a network, the account information associated with the individual personal data sets.

9. A readable and rewriteable magnetic card blank for use with a hand-held electronics device having a card reading and writing interface for aggregation of and management of personal electronic data sets comprising:

a readable and rewriteable magnetic media disposed on a credit card form factor;

characterized in that the personal data are read into the electronics device via the card reading interface and selectively or collectively written as individual data sets onto the magnetic media on the card blank via the card writing interface for use in electronic transacting or fulfillment of electronic identification queries.

10. The magnetic card blank of claim 9 wherein the magnetic media is a magnetic stripe.

11. The magnetic card blank of claim 9 further comprising a microprocessor chip and an onboard power source.

12. The magnetic card blank of claim 11 further comprising a radio frequency identification (RFID) chip and an on/off contact switch.

13. The magnetic card blank of claim 12 further comprising a biometric sensor and scanner chip and one or more organic light emitting diode (OLED) touch screens.

14. The magnetic card blank of claim 13 wherein the OLED touch screens include one on the rear face of the card for displaying a three digit security code, one on the rear face of the card for displaying a signature, and one on the front face of the card for displaying the front face of a credit, debit, or identification card having data stored on the magnetic media.

15. The magnetic card blank of claim 14 wherein the touch screen on the front of the card enables selection of an individual data set and card associated imagery for transactional use and display from a menu listing more than one data set and card associated imagery preloaded onto the card blank.

16. A method for collecting and redistributing one or more personal information data sets associated with electronic identification, credit, or debit cards for use in electronic transacting or fulfillment of electronic identification queries comprising the steps:

(a) entering or scanning security data into a hand-held electronics device having an internal data card blank via a user interface including a biometric scanner displayed on a touch screen display on the device;

(b) upon acceptance of the security data in step (a), preloading one or more personal data sets associated with one or more credit, debit, or identification cards into the hand-held device via a card reading interface on the device;

(c) using the user interface of step (a) selecting one or more of the personal data sets from a menu displayed on the touch screen display;

(d) re-entering security data to confirm identity for writing data; and

(e) writing the one or more personal data sets selected from the menu of step (c) onto the magnetic media of the card blank via a card writing interface on the device.

17. The method of claim 16 wherein in the security data includes a personal identification number (PIN).

18. The method of claim 16 wherein in step (d) the security data re-entered includes a thumb or finger print scanned in to match a thumb or fingerprint image stored on the device.

19. The method of claim 16 wherein in step (c) each menu entry includes updated credit and balance information.

20. A readable and rewriteable magnetic card blank for use with a hand-held electronics device comprising:

a readable and rewriteable magnetic media disposed on a credit card form factor;

an RFID chip for enabling wireless proximity interface;

a smart chip for enabling biometric scanning and matching of biometric data;

a biometric scanning interface for scanning a thumb or fingerprint;

at least two OLED screens for displaying security and signature data; and

a power switch.