Portable E-wallet and universal card
First Claim
Patent Images
1. A universal card configured to emulate a traditional card when interacting with a terminal, the universal card comprising:
- a short range transceiver configured to connect to a mobile computing device via a short range wireless communication link and to receive instructions for programming the universal card to emulate one of a plurality of traditional cards via the short range communication link, wherein the universal card is configured to determine whether the mobile computing device is authorized to communicate with the universal card in response to a connection with the mobile computing device via the short range wireless communication link, wherein the universal car is configured to permit communication between the mobile computing device and the universal card only if the mobile computing device is authorized to communicate with the universal card;
a dynamic magnetic stripe capable of emulating a static magnetic stripe of each of the plurality of traditional cards; and
an EMV chip configured to interact with an EMV chip enabled terminal, wherein the EMV chip is associated with a default traditional card of the plurality of traditional cards, wherein the EMV chip complies with the EMV standard;
wherein, in response to receiving a request to emulate one of the plurality of traditional cards from the mobile computing device via the short range wireless communication link, the universal card is configured to cause the dynamic magnetic stripe to emulate a static magnetic stripe of the one of the plurality of traditional cards.
2 Assignments
0 Petitions
Accused Products
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.
112 Citations
50 Claims
-
1. A universal card configured to emulate a traditional card when interacting with a terminal, the universal card comprising:
-
a short range transceiver configured to connect to a mobile computing device via a short range wireless communication link and to receive instructions for programming the universal card to emulate one of a plurality of traditional cards via the short range communication link, wherein the universal card is configured to determine whether the mobile computing device is authorized to communicate with the universal card in response to a connection with the mobile computing device via the short range wireless communication link, wherein the universal car is configured to permit communication between the mobile computing device and the universal card only if the mobile computing device is authorized to communicate with the universal card; a dynamic magnetic stripe capable of emulating a static magnetic stripe of each of the plurality of traditional cards; and an EMV chip configured to interact with an EMV chip enabled terminal, wherein the EMV chip is associated with a default traditional card of the plurality of traditional cards, wherein the EMV chip complies with the EMV standard; wherein, in response to receiving a request to emulate one of the plurality of traditional cards from the mobile computing device via the short range wireless communication link, the universal card is configured to cause the dynamic magnetic stripe to emulate a static magnetic stripe of the one of the plurality of traditional cards. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
-
-
19. A universal card configured to emulate a traditional card when interacting with a terminal, the universal card comprising:
-
a short range transceiver configured to connect to a mobile computing device via a short range wireless communication link, wherein the universal card is configured to determine whether the mobile computing device is authorized to communicate with the universal card in response to a connection with the mobile computing device via the short range wireless communication link, wherein the universal card is configured to permit communication between the mobile computing device and the universal card only if the mobile computing device is authorized to communicate with the universal card; a dynamic magnetic stripe capable of emulating a static magnetic stripe of each of a plurality of traditional cards; and a secure element configured to store card data received from the mobile computing device via the short range wireless communication link, wherein the secure element is configured to store the card data in accordance with a pre-established level of security; wherein, in response to receiving a request to emulate one of the plurality of traditional cards from the mobile computing device via the short range wireless communication link, the universal card is configured to cause the dynamic magnetic stripe to emulate a static magnetic stripe of the one of the plurality of traditional cards using the card data stored in the secure element. - View Dependent Claims (20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34)
-
-
35. A method of using a mobile computing device to communicate traditional card data to a universal card, the traditional card data comprising information about one or more traditional cards, the method comprising:
-
receiving, by the mobile computing device, the traditional card data; establishing a wireless communication link between the mobile computing device and the universal card, wherein the universal card comprises a secure element configured to store the traditional card data in accordance with a pre-established level of security, wherein the universal card is configured to determine whether the mobile computing device is authorized to communicate with the universal card in response to a connection with the mobile computing device via the wireless communication link, and wherein the universal card is configured to permit communication between the mobile computing device and the universal card only if the mobile computing device is authorized to communicate with the universal card; and transmitting, from the computing device to the universal card, the traditional card data, wherein the universal card is configured to store the traditional card data in the secure element upon receiving the traditional card data; wherein, in response to receiving a request to emulate one of a plurality of traditional cards from the mobile computing device via the short range wireless communication link, the universal card is configured to cause a dynamic magnetic stripe of the universal card to emulate a static magnetic stripe of the one of the plurality of traditional cards using the traditional card data stored in the secure element. - View Dependent Claims (36, 37, 38, 39, 40)
-
-
41. A method of providing an authentication value for a particular transaction using a universal card having a dynamic magnetic stripe with one or more tracks, the method comprising:
-
receiving, from a mobile computing device via a short range wireless communication link, an indication of a traditional card to be emulated by the universal card, wherein the universal card is configured to determine whether the mobile computing device is authorized to communicate with the universal card in response to a connection with the mobile computing device via the short range wireless communication link, and wherein the universal card is configured to permit communication between the mobile computing device and the universal card only if the mobile computing device is authorized to communicate with the universal card; configuring the dynamic magnetic stripe to emulate a static magnetic stripe of the traditional card by writing information about the traditional card to at least a first portion of the one or more tracks; determining, based on the traditional card, whether the authentication value is static or dynamic; and writing the authentication value to at least a second portion of the one or more tracks, wherein the authentication value is a static authentication value associated with the traditional card if the authentication value is determined to be static, and wherein the authentication value is a dynamic authentication value calculated for the particular transaction if the authentication value is determined to be dynamic; wherein the authentication value written to at least the second portion of the one or more tracks is readable by a terminal having a magnetic stripe reader during the particular transaction. - View Dependent Claims (42, 43, 44, 45)
-
-
46. A method of providing traditional card data to a universal card, the traditional card data comprising information about one or more traditional cards, the method comprising:
-
receiving, by a mobile computing device, the traditional card data; storing, in a secure element of the mobile computing device, the traditional card data, wherein the secure element is configured to store the card data in accordance with a pre- established level of security; establishing a wireless communication link between the mobile computing device and the universal card, wherein the universal card is configured to determine whether the mobile computing device is authorized to communicate with the universal card in response to a connection with the mobile computing device via the short range wireless communication link, and wherein the universal card is configured to permit communication between the mobile computing device and the universal card only if the mobile computing device is authorized to communicate with the universal card; and transmitting, from the mobile computing device to the universal card, instructions to emulate one traditional card of the one or more traditional cards and transmitting the traditional card data from the secure element corresponding to the one traditional card; wherein the universal card is configured to emulate the one traditional card using the traditional card data. - View Dependent Claims (47, 48, 49, 50)
-
Specification