Adaptor for magnetic stripe card reader

• US 7,028,897 B2
• Filed: 12/19/2002
• Issued: 04/18/2006
• Est. Priority Date: 12/26/2001
• Status: Active Grant

• Current Assignee: International Technologies & Systems Corporation
• Original Assignee: ViVOtech Incorporated
• Inventors: Khan, Mohammad A., Brown, Kerry D., Fernandes, Jorge M.
• Primary Examiner(s): PAIK, STEVE S
• Application Number:
  US10/327,638
• Publication Number:
  US 20040094624A1
• Time in Patent Office: 1,216 Days
• Field of Search: 235/380, 235/440, 235/449, 235/450, 235/487, 235/493
• US Class Current: 235/449
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/29 characterised by micropayments
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/3572 Multiple accounts on card
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/388 using mutual authentication without cards, e.g. challenge-response
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/4037 Remote solvency checks
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence
• CPC Class Codes: G07G 1/0018 Constructional details, e.g. of drawer, printing means, input means

Abstract

An adaptor allows a magnetic stripe card reader to receive information from other media such as wireless proximity chip cards while maintaining the ability to receive a magnetic stripe card. In accordance with one embodiment, the adaptor includes a simulacrum structure of sufficiently narrow width to fit substantially permanently within the slot of the magnetic stripe reading device, while providing sufficient room for a magnetic stripe card to also be concurrently accommodated within the slot and read by the reader head. The simulacrum structure may be in electronic communication with one or more transceivers of wireless communications such as RF and IR.

Claims

1. A method for importing information from a magnetic stripe card into a personal trusted device, the method comprising:

providing an adaptor structure comprising,

a transceiver configured to transmit a signal to a personal trusted device,

a memory in communication with the transceiver, and

a simulacrum disposed within a slot of a magnetic stripe card reader and in magnetic communication with a magnetic reader head of the magnetic stripe card reader;

reading information from a magnetic stripe card by the magnetic card reader head;

storing the information in the memory;

transmitting the information to a remote data repository;

encrypting the information for the personal trusted device to receive a separate message including an encryption key allowing access to the information;

causing the encrypted information to be communicated from the transceiver to the

personal trusted device in response to an authorization signal received from the remote data repository.

2. The method of claim 1 wherein the simulacrum is disposed within the slot to allow the magnetic stripe card to access the slot and the magnetic head, and the information on the magnetic stripe card is read by the magnetic reader head.

3. The method of claim 1 further comprising providing the adaptor having a second magnetic reader head in communication with the memory, and the information on the magnetic stripe card is read by the second magnetic reader head.

4. The method of claim 1 wherein the simulacrum is disposed within the slot to allow the magnetic stripe card to access the slot and the magnetic head, and the information on the magnetic strip card is read by the simulacrum.

5. The method of claim 1 wherein the information is transmitted from the adaptor to the personal trusted device utilizing a wireless format selected from the group consisting of IrDa version 2.1 or greater, Consumer IR, ViVOtech proprietary IR, IEEE 802.11(a), IEEE 802.11(b), IEEE 802.11(g) and WiFi standards.

6. The method of claim 1 wherein the information is transmitted from the adaptor to the personal trusted device selected from the group consisting of a cellular phone, a personal digital assistant, an RF proximity chip card, and a mobile personal computer having wireless transmission capabilities.

7. A method for importing information from a magnetic stripe card into a personal trusted device, the method comprising:

providing an adaptor structure comprising,

a transceiver configured to transmit a signal to a personal trusted device,

a memory in communication with the transceiver, and

a simulacrum disposed within a slot of a magnetic stripe card reader and in magnetic communication with a magnetic reader head of the magnetic stripe card reader;

reading information from a magnetic stripe card by the magnetic card reader head;

storing the information in the memory;

transmitting the information to a remote data repository;

transmitting data from the adaptor to a personal trusted device in response to an authorization signal received from the remote repository, wherein the data comprises a cryptographic key enabling decryption of a separate message containing the information communicated to the personal trusted device; and

causing the encrypted information to be communicated to the personal trusted device.

8. The method of claim 7 wherein the separate message is communicated from the remote data repository directly to a transceiver of the personal trusted device.

9. A method for disabling a magnetic stripe card comprising:

providing a magnetic stripe card reader having a slot and a magnetic head in magnetic communication with the slot;

providing an adaptor structure comprising,

a transceiver configured to transmit a signal to a personal trusted device;

a memory in communication with the transceiver, and

a simulacrum including an inductor;

disposing the simulacrum substantially permanently within the slot such that the inductor is aligned with the magnetic reader head, the simulacrum sufficiently narrow to allow a magnetic stripe card to access the slot and the magnetic head while the simulacrum is present within the slot;

swiping a magnetic stripe card through the slot for reading information on the magnetic card by the magnetic head;

communicating the information to a remote data repository;

receiving from the remote data repository a signal indicating invalidity of the magnetic stripe card;

communicating the signal to the adaptor; and

in response to the signal, causing the inductor generate an electro-magnetic field of sufficient strength to alter at least one bit of data stored on a magnetic stripe of the magnetic stripe card.

10. The method of claim 9 wherein the remote data repository is administered by an issuer of the magnetic stripe card.

11. The method of claim 9 wherein the remote data repository is administered by other than an issuer of the magnetic stripe card.

12. The method of claim 9 wherein the information is communicated to the remote data repository through a wired connection of the magnetic stripe card reader.

13. The method of claim 9 wherein the information is communicated to the remote data repository through a wireless connection.

14. The method of claim 9 wherein receipt of the signal from the remote data repository results in an instruction for the user to reswipe the magnetic card through the slot, whereupon data on the magnetic stripe is altered.

15. The method of claim 9 wherein the electromagnetic field is generated having a strength of at least about 2,500 oersteds.

16. A method for communicating information to a PTD, the method comprising:

providing a magnetic stripe card reader having a slot and a magnetic head in magnetic communication with the slot;

providing an adaptor structure comprising,

a transceiver configured to receive a first signal from a source and to transmit a second signal to a personal trusted device, and

a memory in communication with the transceiver,

communicating information received at the transceiver from the source to memory, the information selected from the group comprising a gift certificate, an instrument, a decryption key, a financial management software application, and magnetic stripe card data;

storing the information in the memory;

transmitting the information to a remote data repository;

encrypting the information such that the personal trusted device may subsequently receive a separate message including an encryption key allowing access to the information; and

transmitting the encrypted information from the memory to the personal trusted device utilizing the transceiver in response to an authorization signal received from the remote data repository.

17. The method of claim 16 wherein the information is transmitted from the adaptor to the personal trusted device utilizing a wireless format selected from the group consisting of IrDa version 2.1 or greater, Consumer IR, ViVOtech proprietary IR, IEEE 802.11(a), IEEE 802.11(b), IEEE 802.11(g) and WiFi standards.

18. The method of claim 16 wherein the information is communicated to the adaptor from second personal trusted device.

19. The method of claim 16 wherein the information is communicated to the adaptor from a merchant network.

20. The method of claim 16 wherein the adaptor structure further comprises a simulacrum including an inductor, the method further comprising:

disposing the simulacrum substantially permanently within the slot such that the inductor is aligned with the magnetic reader head, the simulacrum sufficiently narrow to allow a magnetic stripe card to access the slot and the magnetic head while the simulacrum is present within the slot; and

transmitting the information from the memory to the magnetic head through the inductor for communicating the information to the remote data repository through a wired connection of the magnetic stripe card reader.

21. The method of claim 16 wherein the information is communicated to the remote data repository through a wireless medium.