PORTABLE E-WALLET AND UNIVERSAL CARD
First Claim
1. A mobile device for programming a universal card to emulate a traditional card for interacting with a terminal, wherein a transaction between the traditional card and the terminal results in the traditional card passing traditional card data to the terminal, the mobile device comprising:
- an e-wallet application through which the traditional card data can be received and a user selection for programming the universal card can be received; and
a first short range transceiver configured to connect to the universal card via a short range communication link;
wherein the mobile device is configured to communicate with the universal card to;
transmit the traditional card data to the universal card, andprogram the universal card to emulate the traditional card using the traditional card data.
4 Assignments
0 Petitions
Accused Products
Abstract
Universal cards are used in place of all the other traditional cards which a person may want to carry. The universal card can include a short range communications transceiver to communicate with a mobile device. The mobile device can include a user interface and an e-wallet application so that the user can interface with the e-wallet application for programming the universal card via the short range communication link. Once programmed, the universal card emulates a function of a traditional card.
356 Citations
32 Claims
-
1. A mobile device for programming a universal card to emulate a traditional card for interacting with a terminal, wherein a transaction between the traditional card and the terminal results in the traditional card passing traditional card data to the terminal, the mobile device comprising:
-
an e-wallet application through which the traditional card data can be received and a user selection for programming the universal card can be received; and a first short range transceiver configured to connect to the universal card via a short range communication link; wherein the mobile device is configured to communicate with the universal card to; transmit the traditional card data to the universal card, and program the universal card to emulate the traditional card using the traditional card data. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
-
-
13. A method for programming a universal card to emulate a traditional card for interacting with a terminal, wherein a transaction between the traditional card and the terminal results in the traditional card passing traditional card data to the terminal, the method comprising:
-
pairing a mobile device with the universal card via a short range communication link, wherein the pairing is either permanent or temporary; launching an e-wallet application through which the traditional card data can be received and a user selection for programming the universal card can be received; receiving user selection for programming the universal card; programming the universal card, via the short range communication link, to emulate the traditional card using the traditional card data. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21)
-
-
22. A computer readable medium comprising instructions for programming a universal card to emulate a traditional card for interacting with a terminal, wherein a transaction between the traditional card and the terminal results in the traditional card passing traditional card data to the terminal, the instructions comprising:
-
instructions for pairing a mobile device with the universal card via a short range communication link; instructions for launching an e-wallet application through which the traditional card data can be received and a user selection for programming the universal card can be received; instructions for receiving user selection for programming the universal card; instructions for programming the universal card, via the short range communication link, to emulate the traditional card using the traditional card data. - View Dependent Claims (23, 24, 25, 26, 27)
-
-
28. A universal card for emulating a traditional card, wherein a transaction between the traditional card and the terminal results in the traditional card passing traditional card data to the terminal, the universal card comprising:
-
a short range transceiver configured to connect to a mobile device via a short range communication link; and an data passing mechanism configured to be programmed to emulate the traditional card to pass the traditional card data to a terminal; wherein the universal card is configured to communicate with the mobile device to; receive the traditional card data from the mobile device, and receive instructions for the universal card to emulate the traditional card to pass the traditional card data to a terminal. - View Dependent Claims (29, 30, 31)
-
-
32. A universal card, comprising:
-
a near field communications or Bluetooth interface configured to communicate with a mobile device comprising an e-wallet application; and a data passing mechanism configured to be programmed to emulate a traditional card to pass traditional card data to a terminal; wherein the universal card is configured to communicate with the mobile device to; receive the traditional card data from the mobile device, and receive instructions for the universal card to emulate the traditional card to pass the traditional card data to a terminal.
-
Specification