Methods and apparatus for capturing magnetic credit card data on a hand held device

• US 8,245,923 B1
• Filed: 11/04/2010
• Issued: 08/21/2012
• Est. Priority Date: 11/04/2010
• Status: Active Grant

• Current Assignee: Movella Incorporated (Movella Holdings, Inc.)
• Original Assignee: mCube, Inc.
• Inventors: Wan, Hong, Merrill, Raymond Jr.
• Primary Examiner(s): ST CYR, DANIEL
• Application Number:
  US12/940,023
• Time in Patent Office: 656 Days
• Field of Search: 235/380, 235/382, 235/487, 235/492, 23546245- 6, 235/472.02, 235/493
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/347 Passive cards
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G07F 7/0873 Details of the card reader
• CPC Class Codes: G07F 7/0893 the card reader reading the card in a contactless manner

Abstract

A handheld device for capturing magnetic credit card data includes a MEMS magnetic field sensor disposed within the housing, wherein the MEMS magnetic field sensor is configured to determine a plurality of magnetic data stored on a magnetic stripe of a user provided media when the user disposes a user provided media proximate to the housing, and a processor disposed within the housing and coupled to the MEMS magnetic field sensor, wherein the processor is programmed to receive the plurality of user data stored on the user provided media, wherein the processor is configured to execute an application program, and wherein the processor is programmed to provide at least a subset of the plurality of user data to the application program.

Claims

1. A handheld device comprising:

a housing;

a Micro-Electronic Mechanical System (MEMS) magnetic field sensor disposed within the housing, wherein the MEMS magnetic field sensor is configured to determine a plurality of magnetic data stored on a magnetic stripe of a user provided media when the user disposes the user provided media proximate to the housing,

wherein the plurality of magnetic data is determined from a first track of data from a plurality of magnetic tracks of data in the magnetic stripe when the user disposes the user provided media proximate to the housing in a first configuration, and

wherein the plurality of magnetic data is determined from a second track of data from a plurality of magnetic tracks of data in the magnetic stripe when the user disposes the user provided media proximate to the housing in a second configuration; and

a processor disposed within the housing and coupled to the MEMS magnetic field sensor, wherein the processor is programmed to receive the plurality of user data stored on the user provided media, wherein the processor is configured to execute an application program, and wherein the processor is programmed to provide at least a subset of the plurality of user data to the application program.

2. The handheld device of claim 1 wherein the MEMS magnetic sensor comprises a MEMS magnetic sensor manufactured using a foundry compatible process.

3. The handheld device of claim 1 wherein the MEMS magnetic sensor comprises a three-axis magnetic field sensor.

4. The handheld device of claim 1 wherein the MEMS magnetic sensor is configured to determine the plurality of magnetic data from one or more tracks of data in the magnetic stripe.

5. The handheld device of claim 1 wherein the MEMS magnetic sensor is configured to determine a plurality of magnetic data from a user provided media selected from a group consisting of:

a credit card, a bank card, a debit card, a driver'"'"'s license, and an identification card.

6. The handheld device of claim 1 further comprising:

a communications channel disposed within the housing, wherein the communications channel is configured to wirelessly output data to a remote server;

wherein the processor is configured to provide at least a subset of the plurality of user data to the communications channel; and

wherein the communications channel is configured to wirelessly output at least the subset of the plurality of user data to the remote server.

7. The handheld device of claim 1 further comprising an alignment ridge configured to align the user provided media proximate to the MEMS magnetic sensor.

8. A computer implemented method for processing data stored on a magnetic stripe of a user provided medium performed by a hand-held computer system programmed to perform the method comprising:

sensing, by a Micro-Electronic Mechanical System (MEMS) magnetic field sensor disposed within the computer system, when the user disposes the user provided media proximate to a particular portion of the hand-held computer system;

sensing, by the MEMS magnetic field sensor, a plurality of magnetic data stored on a magnetic stripe of the user provided medium when the user disposes the user provided media proximate to the particular portion of the computer system;

determining, with a processor disposed within the computer system, a plurality of user data stored on the magnetic stripe in response to the plurality of magnetic data; and

sending, with a communications channel within the computer system, at least a subset of the plurality of user data to a remote server, wherein the subset of the plurality of user data is determined via user input from a user-interface device.

9. The computer implemented method of claim 8 wherein the sensing comprises sensing, by a foundry compatible process manufactured MEMS magnetic sensor, the plurality of magnetic data stored on the magnetic stripe of the user provided medium.

10. The computer implemented method of claim 8 wherein the sensing comprises sensing, by at least one axis of a three-axis MEMS magnetic field sensor, the plurality of magnetic data stored on the magnetic stripe of the user provided medium.

11. The computer implemented method of claim 8 wherein the sensing comprises sensing, by the MEMS magnetic field sensor disposed within the computer system, a plurality of magnetic data stored on a first track of the magnetic stripe when the user provided media is in a first orientation relative to the particular portion of the hand-held computer system, and a plurality of magnetic data stored on a second track of the magnetic stripe when the user provided media is in a second orientation relative to the particular portion of the hand-held computer system.

12. The computer implemented method of claim 8 wherein the sensing, by the MEMS magnetic field sensor, a plurality of magnetic data on a magnetic stripe of a user provided medium comprises sensing, with an alignment ridge configured to align the user provided media proximate to the MEMS magnetic field sensor.

13. The computer implemented method of claim 8 wherein the determining comprises determining, with the processor, the plurality of user data, wherein the user data is selected from a group consisting of:

a credit card, a bank card, a debit card, a drivers license, an identification card.

14. The computer implemented method of claim 8 wherein the sensing comprises sensing, by the MEMS magnetic sensor, the plurality of magnetic data stored on the magnetic stripe within a field range of +/−

1 Oe to approximately +/−

12 Oe.

15. A hand-held computer system for processing data stored on a magnetic stripe comprising:

a housing having a visual indicator, wherein the visual indicator indicates a location on the housing where a user should dispose a user provided media proximate thereto;

a Micro-Electronic Mechanical System (MEMS) magnetic field sensor disposed within the housing and proximate to the visual indicator, wherein the MEMS magnetic field sensor is configured to determine a plurality of magnetic data stored on a magnetic stripe of a user provided media when the user disposes the user provided media proximate to the location on the housing;

a processor disposed within the housing and coupled to the MEMS magnetic field sensor, wherein the processor is configured to execute executable computer code;

a computer readable storage medium coupled to the processor, wherein the computer readable storage medium includes non-transitory instructions stored therein, wherein the non-transitory instructions comprises;

executable code that programs the processor to receive the plurality of magnetic data stored on the magnetic stripe from the MEMS magnetic field sensor; and

executable code that programs the processor to determine a plurality of user data stored on the magnetic stripe in response to the plurality of magnetic data stored on the magnetic striper; and

a display disposed within the housing and coupled to the processor, wherein the display is configured to display the plurality of user data.

16. The hand-held computer system of claim 15 further comprising:

a communications channel configured to output data to a remote server; and

wherein the computer readable storage medium further comprises executable code that programs the processor to output at least a subset of the plurality of user data to the remote server via the communications channel.

17. The hand-held computer system of claim 15 wherein the MEMS magnetic field sensor comprises two or more alignment ridges configured to align the user provided media proximate to the MEMS magnetic sensor to enable determination of at least first user date and second user data.

18. The hand-held computer system of claim 15 wherein the MEMS magnetic field sensor comprises a three-axis MEMS magnetic field sensor.

19. The hand-held computer system of claim 15

wherein the plurality of magnetic data is determined from a first track of data from a plurality of magnetic tracks of data in the magnetic stripe when the user disposes the user provided media proximate to the location in a first configuration, and

wherein the plurality of magnetic data is determined from a second track of data from the plurality of magnetic tracks of data in the magnetic stripe when the user disposes the user provided media proximate to the location in a second configuration.

20. The hand-held computer system of claim 15 wherein data from the plurality of user data is selected from a group consisting of:

a credit card, a bank card, a debit card, a drivers license, an identification card.