Point of sale adapter for electronic transaction device

• US 6,705,520 B1
• Filed: 11/15/1999
• Issued: 03/16/2004
• Est. Priority Date: 11/15/1999
• Status: Expired due to Term

• Current Assignee: C-SAM Incorporated (MasterCard Incorporated)
• Original Assignee: Merul Patel, Satyan G. Pitroda
• Inventors: Pitroda, Satyan G., Patel, Merul
• Primary Examiner(s): TREMBLAY, MARK STEPHEN
• Application Number:
  US09/440,529
• Time in Patent Office: 1,583 Days
• Field of Search: 235/380, 235/382.5
• US Class Current: 235/382.5
• CPC Class Codes: G06K 19/06206 the magnetic marking being emulated
• 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 7/0013 by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers connectors in general H01R13/00; connectors for SIM cards used in mobile phones or the like H04B1/3816
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G07G 1/0018 Constructional details, e.g. of drawer, printing means, input means

Abstract

An adapter for use with a conventional POS card reader to interface with PDA'"'"'s, Wireless Phones, and other Handheld devices, through Infrared or RF media, such that signals received from, the devices can be, converted to conventional magnetic stripe and/or smart card format, as required by the conventional POS card readers. The adapter includes a housing, including at least a reader-insertable portion capable of being inserted in the card reader, a receive circuit in the housing, a processor in the housing connected to the receive circuit; and a point of sale interface in the reader insertable portion of the housing and connected to the processor. The housing may be approximately the size of a conventional credit card and may be fully reader-insertable.

The point of sale interface comprises a magnetic stripe emulator, a smart card emulator, or both. The magnetic stripe emulator may comprise at least one electromagnet. Two electromagnets may be used to emulate two tracks of a conventional magnetic card stripe. The receive circuit may comprise an infra-red receiver, a radio-frequency receiver, or other suitable circuit. The adapter may further include a transmit circuit, wherein the receive circuit and the transmit circuit include a transceiver. The adapter may further include a data buffer connected to the processor, the data buffer configured to purge data after a predetermined period of time or after a predetermined number of data transfer operations.

Claims

1. An adapter for use with point of sale card readers, the adapter comprising:

a) a housing, including at least a reader-insertable portion capable of being inserted in the card reader;

b) a receive circuit in the housing, the receive circuit adapted to receive information from an electronic transaction device;

c) a processor in the housing connected to the receive circuit, the processor configured to have adapter identification information; and

d) a point of sale interface in the reader insertable portion of the housing connected to the processor, the point of sale interface adapted to transmit information received from the electronic transaction device.

2. The adapter of claim 1, wherein the housing is substantially the same size as a conventional credit card.

3. The adapter of claim 1, wherein the point of sale interface comprise a magnetic stripe emulator.

4. The adapter of claim 3, wherein the magnetic stripe emulator comprises at least one electromagnet.

5. The adapter of claim 3, wherein the magnetic stripe emulator comprises a plurality of electromagnets.

6. The adapter of claim 1, wherein the point of sale interface comprises a smart card emulator.

7. The adapter of claim 1, wherein the point of sale interface comprises a magnetic stripe emulator and a smart card emulator.

8. The adapter of claim 1, wherein the receive circuit comprises an infra-red sensitive device.

9. The adapter of claim 1, wherein the receive circuit comprises a radio-frequency circuit.

10. The adapter of claim 1, further comprising a transmit circuit, wherein the receive circuit and the transmit circuit comprise a transceiver.

11. The adapter of claim 1, further comprising a data buffer connected to the processor adapted to store information received from the electronic transaction device.

12. The adapter of claim 11, wherein the data buffer is configured to purge at least a portion of the information received from the electronic transaction device after a predetermined period of time.

13. The adapter of claim 11, wherein the data buffer is configured to purge at least a portion of the information received from the electronic transaction device after a predetermined number of data transfer operations.

14. The adapter of claim 1, wherein the processor further comprises a data buffer adapted to store information received from the electronic transaction device.

15. The adapter of claim 14, wherein the data buffer is configured to purge at least a portion of the information received from the electronic transaction device after a predetermined period of time.

16. The adapter of claim 14, wherein the data buffer is configured to purge at least a portion of the information received from the electronic transaction device after a predetermined number of data transfer operations.

38. The adapter of claim 1, wherein the adapter identification information comprises an identification number.

39. The adapter of claim 1, wherein the adapter identification information comprises a retail store name.

17. An adapter for use with point of sale card readers, the adapter comprising:

a) a housing, capable of being inserted in the card reader;

b) a transceiver in the housing the transceiver adapted to receive information from an electronic transaction device;

c) a processor in the housing connected to the transceiver, the processor configured to have adapter identification information; and

d) an electromagnet configured to emulate a magnetic stripe in accordance with information received from the electronic transaction device connected to the processor.

18. The adapter of claim 17, wherein the housing is substantially the same size as a conventional credit card.

19. The adapter of claim 17, further comprising a smart card emulator connected to the processor.

20. The adapter of claim 17, wherein the transceiver comprises an infra-red transceiver.

21. The adapter of claim 17, wherein the transceiver comprises a radio-frequency transceiver.

22. The adapter of claim 17, further comprising a data buffer connected to the processor, the data buffer configured to purge at least a portion of the information received from the electronic transaction device after a predetermined period of time.

23. The adapter of claim 17, further comprising a data buffer connected to the processor, the data buffer configured to purge at least a portion of the information received from the electronic transaction device after a predetermined number of data transfer operations.

24. A method of using an adapter with a point of sale card reader, comprising:

a) selecting a card on an electronic transaction device;

b) placing the adapter in the card reader;

c) transmitting information corresponding to the selected card from the electronic transaction device to the adapter;

d) the adapter converting the information corresponding to the selected card to a format readable by the card reader;

e) the card reader reading the converted information; and

f) the adapter providing adapter identification information to the electronic transaction device.

25. The method of claim 24, wherein the step of converting the information corresponding to the selected card to a format readable by the card reader further comprises emulating a magnetic stripe.

26. The method of claim 25, wherein the step of emulating a magnetic stripe comprises generating electromagnetic signals.

27. The method of claim 25, wherein the step of emulating a magnetic stripe further comprises:

a) receiving the information corresponding to the selected card;

b) formatting the information corresponding to the selected card to conform with magnetic stripe standards; and

c) dynamically writing the formatted information to an electromagnet.

28. The method of claim 24, wherein the step of converting the information corresponding to the selected card to a format readable by the card reader further comprises emulating a smart card.

29. The method of claim 28, wherein the step of emulating a smart card further comprises:

a) receiving the information corresponding to the selected card;

b) formatting the information corresponding to the selected card to conform with smart card standards; and

c) dynamically writing the formatted information to electrical contacts conforming with smart card standards.

30. The method of claim 24, wherein the step of placing the adapter in the card reader occurs before the step of transmitting information.

31. The method of claim 24, wherein the step of transmitting information occurs before placing the adapter in the card reader, and further comprising the step of buffering the information corresponding to the selected card in the adapter.

32. The method of claim 31, further comprising the step of purging the information corresponding to the selected card after the step of reading the magnetic fields at the card reader.

33. The method of claim 31, further comprising the step of purging the information corresponding to the selected card after a predetermined period of time.

34. The method of claim 31, further comprising the step of purging the information corresponding to the selected card after a predetermined number of data transfer operations.

35. The method of claim 24, further comprising the adapter transmitting confirmation information to the electronic transaction device.

36. The method of claim 24, wherein the step of the adapter transmitting information to the electronic transaction device includes transmitting an electronic receipt to the electronic transaction device.

37. The method of claim 31, further comprising the step of purging the information corresponding to the selected card after the step of the adapter transmitting information to the electronic transaction device.

40. The method of claim 24, wherein the steps are performed in the order recited.