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Portable E-wallet and universal card

  • US 8,671,055 B2
  • Filed: 04/03/2012
  • Issued: 03/11/2014
  • Est. Priority Date: 03/02/2010
  • Status: Active Grant
First Claim
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1. A method of handling card data, the method comprising:

  • receiving, by a computing device, card data in an encrypted format, the card data comprising secure card data and non-secure card data;

    transmitting, from the computing device to a universal card, the card data in the encrypted format, wherein the universal card comprises a secure element which is configured to decrypt the card data to obtain decrypted secure card data and decrypted non-secure card data, and wherein the universal card is configured to store the decrypted secure card data in the secure element;

    receiving, by the computing device from the universal card, the decrypted non-secure card data;

    storing, in the computing device, the decrypted non-secure card data, wherein the computing device comprises an e-wallet application, the e-wallet application permitting a user selection of a card based on an identification of at least a portion of the decrypted non-secure card data;

    sending, from the computing device to the universal card, an indication of the selected card, wherein the universal card is configured to configure a dynamic data communication mechanism of the universal card; and

    emulating a static data communication mechanism of the selected card using at least a portion of the decrypted secure card data stored in the secure element of the universal card.

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