Multimedia electronic wallet with generic card

• US 5,748,737 A
• Filed: 11/14/1994
• Issued: 05/05/1998
• Est. Priority Date: 11/14/1994
• Status: Expired due to Fees

• Current Assignee: Robert N. Daggar
• Original Assignee: Robert N. Daggar
• Inventors: Daggar, Robert N.
• Primary Examiner(s): Gregory, Bernarr E.
• Application Number:
  US08/339,694
• Time in Patent Office: 1,268 Days
• Field of Search: 235/379, 235/380, 380/4, 380/9, 380/23, 380/24, 380/25, 380/49, 380/50, 395/239, 395/241
• US Class Current: 705/41
• CPC Class Codes: G06K 7/0021 for reading/sensing record carriers having surface contacts
• CPC Class Codes: G06K 7/006 the housing being a portable casing
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• 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 20/367 involving electronic purses or money safes
• 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

Abstract

An electronic wallet is disclosed which provides multiple data media interfaces. Standard interfaces will include a smart card reader/writer, a magnetic reader/writer, a radio frequency transceiver and a user interface. A generic card is insertable into an electronic wallet to provide magnetic or smart card data carrier means. The generic card assumes the identity of any stored digital card and is submitted to a card acceptor in that guise. A generic attachment card is also insertable into an electronic wallet to provide further media interfaces via various card attachments. In another embodiment, the electronic wallet and generic card are combined into a single wallet-card which also requires a wallet-card holder. Almost all the functions provided by a separate electronic wallet, generic card and generic attachment card are included in the electronic wallet-card and wallet-card holder. In operation, media independent digital cards will be stored within an electronic wallet and can receive or output data via any standard or optional media interface. A digital card will be selected and interfaced with a specified or default medium, with digital card content capable of being medium specific. Digital card and medium selection can be specified by either the wallet user or the digital card recipient.

Claims

1. A compact electronic wallet comprising:

user interface means for receiving input including medium selection and transaction initiation commands from a user of the electronic wallet;

processor means connected with said user interface means for controlling the operation of the electronic wallet in response to said user input;

smart card interface means connected with said processor means for transferring data between the electronic wallet and processing circuitry on a multimedia transaction card; and

magnetic medium interface means connected with said processor means for writing data to a magnetic medium on the multimedia transaction card.

2. The electronic wallet of claim 1 wherein said processor means includes a micromodule.

3. The electronic wallet of claim 1 wherein said processing circuitry includes a micromodule.

4. The electronic wallet of claim 1 wherein said magnetic medium interface means further operates to read data from said magnetic medium on said multimedia transaction card and to transfer said data to the electronic wallet.

5. The electronic wallet of claim 4 further including radio frequency transceiving means for transferring data between the electronic wallet and a remote data processing device.

6. The electronic wallet of claim 1 further including radio frequency transceiving means for transferring data between the electronic wallet and a remote data processing device.

7. The electronic wallet of claim 1 wherein said digital card information is formatted to correspond to predetermined physical positions within the magnetic medium and said magnetic medium interface means comprises:

magnetic medium position detecting means for detecting the position of the magnetic medium contained on the multimedia transaction card and for generating position information corresponding to said detected position; and

magnetic medium writing means for receiving said data to be written to the magnetic medium and for writing said data to the magnetic medium carried on the multimedia transaction card;

wherein said processor means further operates to read said position information from said magnetic medium position detecting means and to transfer said data corresponding to said position information to said magnetic medium writing means.

8. The electronic wallet of claim 7 wherein the magnetic medium carried on the multimedia transaction card comprises a first portion for storing magnetic medium positioning information and a second portion for storing said data information.

9. The electronic wallet of claim 8 wherein said first portion of the magnetic medium contains a magnetic positioning clock and said magnetic medium position detecting means includes a thin film magnetoresistive head that detects said magnetic positioning clock.

10. An electronic wallet including a magnetic medium interface for transferring card data between the electronic wallet and a magnetic medium contained on a transaction card comprising:

storage means for storing the card data to be written to the transaction card, said card data being formatted to correspond to predetermined physical positions within the magnetic medium;

magnetic medium position detecting means for detecting the position of the magnetic medium contained on the transaction card and for generating position information corresponding to said detected position;

magnetic medium writing means for receiving said card data from said storage means and for writing said card data to the magnetic medium carried on the transaction card; and

processor means connected with said storage means, said magnetic medium position detecting means and said magnetic medium writing means for receiving said position information from said magnetic medium position detecting means and for transferring said card data corresponding to said position information from said storage means to said magnetic medium writing means.

11. The electronic wallet of claim 10 wherein said processor means includes a micromodule.

12. The electronic wallet of claim 10 wherein the magnetic medium carried on the transaction card comprises a first portion for storing magnetic medium positioning information and a second portion for storing said card data information.

13. The electronic wallet of claim 12 wherein said first portion of the magnetic medium contains a magnetic positioning clock and said magnetic medium position detecting means includes a thin film magnetoresistive head that detects said magnetic positioning clock.

14. The electronic wallet of claim 10 wherein said magnetic medium interface further comprises magnetic medium reading means for reading said card data from the magnetic medium carried on the transaction card and for providing said card data to said processing means.

15. The electronic wallet of claim 10 wherein said transaction card is a multimedia transaction card and said electronic wallet further comprises smart card interface means connected with said storage means and said processor means for transferring data between processing circuitry contained on the multimedia transaction card and said storage means.

16. The electronic wallet of claim 15 wherein said processing circuitry includes a micromodule.

17. A method of transferring card data between an electronic wallet and a magnetic medium contained on a transaction card comprising the steps of:

receiving said transaction card into a magnetic medium interface contained in the electronic wallet;

formatting said card data to correspond to predetermined physical positions within said magnetic medium contained on said transaction card;

detecting the position within said magnetic medium interface of the magnetic medium contained on said transaction card; and

writing said card data corresponding to said detected position to said magnetic medium.

18. The method of claim 17 wherein said step of detecting the position of the magnetic medium contained on said transaction card includes the step of detecting a magnetic positioning clock provided on said magnetic medium contained on said transaction card.

19. The method of claim 18 further comprising the step of reading said card data from said magnetic medium.

20. The method of claim 19 further comprising the step of comparing said card data read from said magnetic medium with said card data written to said magnetic medium to verify the integrity of said card data written to said magnetic medium.

21. The method of claim 17 wherein said transaction card is a multimedia transaction card.

22. A method of initiating a secure electronic transaction through the use of a magnetic medium interface and an electronic wallet for receiving a compatible multimedia transaction card having a magnetic medium thereon, comprising the steps of:

receiving input to the electronic wallet, said input including digital card selection information and transaction format selection commands from a user of the electronic wallet;

retrieving a digital card data set containing digital card data corresponding to said input from an electronic memory containing a plurality of digital card data sets;

formatting said digital card data, including encrypting at least part of the digital card data, to correspond to a transaction format selected by said transaction format selection commands;

writing said formatted digital card data to the magnetic medium on the multimedia transaction card; and

initiating an electronic transaction by providing said multimedia transaction card to a magnetic medium interface, reading said formatted digital card data from said magnetic medium on said multimedia card and initiating a transaction using said digital card data.

23. The method of claim 22 including the step of verifying the identity of the multimedia transaction card to confirm that said transaction card is authorized to receive said digital card data.

24. The method of claim 23 wherein said step of verifying the identity of the multimedia transaction card includes accessing digital data stored in an integrated circuit chip on said multimedia transaction card.

25. The method of claim 23 wherein said step of verifying the identity of the multimedia transaction card is performed immediately prior to said step of writing said formatted digital card data to the magnetic medium on the multimedia transaction card in order to prevent card substitution.

26. The method of claim 22 wherein said step of encrypting at least part of the digital card data is performed by a micromodule on the multimedia transaction card.

27. The method of claim 22 wherein said step of encrypting at least part of the digital card data is performed by a micromodule in the electronic wallet.