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

• Current Assignee: Gonow Technologies LLC
• Original Assignee: Digital Life Technologies LLC (Ciright One LLC)
• Inventors: Spodak, Douglas, Fridman, Ron
• Primary Examiner(s): Kazimi, Hani M
• Assistant Examiner(s): Ali, Hatem M
• Application Number:
  US13/438,131
• Publication Number:
  US 20120191612A1
• Time in Patent Office: 707 Days
• Field of Search: 705/65, 705/41
• US Class Current: 705/41
• CPC Class Codes: G06K 19/06187 with magnetically detectable marking
• CPC Class Codes: G06K 19/0718 the sensor being of the biometric kind, e.g. fingerprint sensors fingerprint sensors in general G06V40/13; biometric access-control systems in general, see G07C9/00
• CPC Class Codes: G06K 19/0723 the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
• CPC Class Codes: G06K 19/07707 the visual interface being a display, e.g. LCD or electronic ink
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• 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 20/347 Passive cards
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G06Q 20/3572 Multiple accounts on card
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3829 involving key management

Abstract

Universal cards are used in place of all the other traditional cards which a person may want to carry. The universal card can include a short range communications transceiver to communicate with a mobile device. The mobile device can include a user interface and an e-wallet application so that the user can interface with the e-wallet application for programming the universal card via the short range communication link. Once programmed, the universal card emulates a function of a traditional card.

Claims

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.

2. The method of claim 1, wherein the dynamic data communication mechanism comprises at least one of a dynamic magnetic stripe and a short range transceiver.

3. The method of claim 1, wherein transmitting, from the computing device to the universal card, the card data in the encrypted format comprises transmitting the card data in the encrypted format via a short range transceiver of the computing device.

4. The method of claim 1, further comprising:

storing, by the computing device, the card data in the encrypted format after receiving the card data in the encrypted format.

5. The method of claim 1, wherein receiving the card data in the encrypted format comprises receiving, by the computing device, the card data in the encrypted format from an encrypting card reader.

6. The method of claim 1, wherein receiving the card data in the encrypted format comprises receiving, by the computing device, the card data in the encrypted format via a network.

7. A non-transitory computer readable medium having instructions embodied thereon for handling card data, the instructions comprising:

instructions to receive, by a computing device, card data in an encrypted format, the card data comprising secure card data and non-secure card data;

instructions to transmit, 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;

instructions to receive, by the computing device from the universal card, the decrypted non-secure card data;

instructions to store, in the computing device, the decrypted non-secure card data, wherein the computing device comprises an e-wallet application configured to permit a user selection of a card based on an identification of at least a portion of the decrypted non-secure card data; and

instructions to send, 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 to emulate 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.

8. The non-transitory computer readable medium of claim 7, wherein the dynamic data communication mechanism comprises at least one of a dynamic magnetic stripe and a short range transceiver.

9. The non-transitory computer readable medium of claim 7, wherein the instructions to transmit, from the computing device to the universal card, the card data in the encrypted format comprise instructions to transmit the card data in the encrypted format via a short range transceiver of the computing device.

10. The non-transitory computer readable medium of claim 7, the instructions further comprising:

instructions to store, by the computing device, the card data in the encrypted format after receiving the card data in the encrypted format.

11. The non-transitory computer readable medium of claim 7, wherein the instructions to receive the card data in the encrypted format comprise instructions to receive, by the computing device, the card data in the encrypted format from an encrypting card reader.

12. The non-transitory computer readable medium of claim 7, wherein the instructions to receive the card data in the encrypted format comprise instructions to receive, by the computing device, the card data in the encrypted format via a network.

13. A computing device comprising:

a short range transceiver;

an e-wallet application; and

a computer readable medium having instructions embodied thereon, the instructions comprising instructions that cause the computing device to;

receive card data in an encrypted format, the card data comprising secure card data and non-secure card data;

transmit, to a universal card via the short range transceiver, 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;

receive, from the universal card, the decrypted non-secure card data;

store the decrypted non-secure card data, wherein the e-wallet application is configured to permit a user selection of a card based on an identification of at least a portion of the decrypted non-secure card data; and

send, 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 to emulate 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.

14. The computing device of claim 13, wherein the dynamic data communication mechanism comprises at least one of a dynamic magnetic stripe and a short range transceiver.

15. The computing device of claim 13, the instructions further comprising:

instructions to store the card data in the encrypted format after receiving the card data in the encrypted format.

16. The computing device of claim 13, wherein the instructions to receive the card data in the encrypted format comprise instructions to receive the card data in the encrypted format from an encrypting card reader.

17. The computing device of claim 13, wherein the instructions to receive the card data in the encrypted format comprise instructions to receive the card data in the encrypted format via a network.

18. A method of handling card data, the method comprising:

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

decrypting, by a decrypting module in a secure element of the universal card, the card data to obtain decrypted secure card data and decrypted non-secure card data;

storing the decrypted secure card data in the secure element of the universal card;

transmitting, by the universal card to 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;

receiving, by the universal card from the computing device, an indication of the selected 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.

19. The method of claim 18, wherein the dynamic data communication mechanism comprises at least one of a dynamic magnetic stripe and a short range transceiver.

20. The method of claim 18, wherein receiving, by the universal card from the computing device, the card data in the encrypted format comprises receiving the card data in the encrypted format via a short range transceiver of the universal card.

21. The method of claim 18, wherein the computing device is configured to receive the card data in the encrypted format from an encrypting card reader.

22. The method of claim 18, wherein the computing device is configured to receive the card data in the encrypted format via a network.

23. A non-transitory computer readable medium having instructions embodied thereon for handling card data, the instructions comprising:

instructions to receive, by a universal card from a computing device, card data in an encrypted format, the card data comprising secure card data and non-secure card data;

instructions to decrypt, by a decrypting module in a secure element of the universal card, the card data to obtain decrypted secure card data and decrypted non-secure card data;

instructions to store the decrypted secure card data in the secure element of the universal card;

instructions to transmit, by the universal card to the computing device, the decrypted non-secure card data, wherein the computing device comprises an e-wallet application configured to permit a user selection of a card based on an identification of at least a portion of the decrypted non-secure card data;

instructions to receive, by the universal card from the computing device, an indication of the selected card; and

instructions to configure a dynamic data communication mechanism of the universal card to emulate 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.

24. The non-transitory computer readable medium of claim 23, wherein the dynamic data communication mechanism comprises at least one of a dynamic magnetic stripe and a short range transceiver.

25. The non-transitory computer readable medium of claim 23, wherein the instructions to receive, by the universal card from the computing device, the card data in the encrypted format comprise instructions to receive the card data in the encrypted format via a short range transceiver of the universal card.

26. The non-transitory computer readable medium of claim 23, wherein the computing device is configured to receive the card data in the encrypted format from an encrypting card reader.

27. The non-transitory computer readable medium of claim 23, wherein the computing device is configured to receive the card data in the encrypted format via a network.

28. A universal card comprising:

a dynamic data communication mechanism;

a secure element comprising a decrypting module; and

a computer readable medium having instructions embodied thereon, the instructions comprising instructions that, when executed by the universal card, cause the universal card to;

receive, from a computing device, card data in an encrypted format, the card data comprising secure card data and non-secure card data;

decrypt, by the decrypting module, the card data to obtain decrypted secure card data and decrypted non-secure card data;

store the decrypted secure card data in the secure element;

transmit, to the computing device, the decrypted non-secure card data, wherein the computing device comprises an e-wallet application configured to permit a user selection of a card based on an identification of at least a portion of the decrypted non-secure card data;

receive, from the computing device, an indication of the selected card; and

configure the dynamic data communication mechanism to emulate 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.

29. The universal card of claim 28, wherein the dynamic data communication mechanism comprises at least one of a dynamic magnetic stripe and a short range transceiver.

30. The universal card of claim 28, the universal card further comprising:

a short range transceiver, wherein the instructions to receive, from the computing device, the card data in the encrypted format comprise instructions to receive the card data in the encrypted format via the short range transceiver.

31. The universal card of claim 28, wherein the computing device is configured to receive the card data in the encrypted format from an encrypting card reader.

32. The universal card of claim 28, wherein the computing device is configured to receive the card data in the encrypted format via a network.