Magnetic stripe-based transactions using mobile communication devices

• US 8,925,826 B2
• Filed: 05/03/2011
• Issued: 01/06/2015
• Est. Priority Date: 05/03/2011
• Status: Active Grant

• Current Assignee: Microsoft Technology Licensing LLC (Microsoft Corporation)
• Original Assignee: Microsoft Corporation
• Inventors: Liu, Jie, Priyantha, Nissanka Arachchige Bodhi, Kansal, Aman, Nath, Suman, Lymberopoulos, Dimitrios, Goraczko, Michel
• Primary Examiner(s): Lee, Michael G
• Assistant Examiner(s): CHEDEKEL, TABITHA F
• Application Number:
  US13/100,238
• Publication Number:
  US 20120280035A1
• Time in Patent Office: 1,344 Days
• Field of Search: 235/375, 235/379, 235/380, 235/454, 235/487, 235/492
• US Class Current: 235/492
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]

Abstract

Magnetic stripe-based transaction enabled mobile communication device embodiments are presented which generally involve a mobile communication device which has been configured to perform transactions that heretofore were completed using a magnetic stripe found on magnetic-stripe cards. In one general embodiment, a mobile communication device generates magnetic stripe data which is used to perform a magnetic stripe-based transaction. To this end, the mobile communication device includes a magnetic stripe device and a computing device. The computing device stores the magnetic stripe data, and the magnetic stripe device is employed to transfer the stored magnetic stripe information so that it can be used to conduct transactions as if a traditional magnetic stripe card were being used.

Claims

1. A computer-implemented process for using a mobile communication device having a magnetic stripe emulator to perform a magnetic stripe-based transaction, comprising:

using a computer resident in the mobile communication device to perform the following process actions;

storing information comprising magnetic stripe information for emulating the type of data that can be recorded on a magnetic stripe of a magnetic stripe card to enable that card to perform a magnetic stripe-based transaction;

emulating said type of data that can be recorded on a magnetic stripe of a magnetic stripe card using the stored magnetic stripe information; and

transferring the emulated data to a magnetic stripe card reader to perform the magnetic stripe-based transaction, said transferring comprising,

establishing physical contact between the magnetic stripe emulator and a reader head of the magnetic stripe card reader, and

without swiping the magnetic stripe emulator, transferring the emulated data sequentially over time so as to mimic a scenario where the emulated data is recorded in a sequence along a magnetic stripe and read by swiping the stripe past the magnetic stripe card reader head.

2. The process of claim 1, wherein said stored magnetic stripe information is associated with a first card account, and wherein the process action of storing information further comprises storing magnetic stripe information associated with one or more additional card accounts.

3. The process of claim 2, further comprising the process actions of:

storing information comprising identifying data which separately identifies each of the card accounts;

displaying said identifying data for the card accounts on a display resident in the mobile communication device; and

inputting a selection command via an input device resident in the mobile communication device, said selection command selecting one of the card accounts; and

wherein

the emulating action comprises emulating the type of data that can be recorded on a magnetic stripe of a magnetic stripe card using the stored magnetic stripe information associated with the selected card account; and

wherein

the transferring action comprises transferring the emulated data associated with the selected card account to a magnetic stripe card reader to perform the magnetic stripe-based transaction.

4. The process of claim 3, wherein the identifying data associated with each card account comprises:

an account number associated with the card account; and

one or more images representing a magnetic stripe card associated with the card account; and

an expiration date associated with the card account; and

a security number associated with the card account.

5. The process of claim 3, wherein the identifying data associated with one or more of the card accounts cannot be displayed on the display of the mobile communication device owing to size constraints, and wherein the process further comprises a process action of inputting a browsing command via an input device resident in the mobile communication device, said browsing command allowing a user of the mobile communication device to display identifying data associated with card accounts that are not currently displayed on the mobile communication device'"'"'s display.

6. The process of claim 3, wherein the identifying data associated with one or more of the card accounts cannot be displayed on the display of the mobile communication device owing to size constraints, and wherein the process further comprises a process action of inputting a search command via an input device resident in the mobile communication device, said search command allowing a user of the mobile communication device to enter a query concerning a card account, which results in the identifying data associated with one or more of the card accounts having attributes matching the search query to be displayed on the mobile communication device'"'"'s display.

7. The process of claim 1, wherein said stored magnetic stripe information is associated with a card account established for a user of the mobile communication device by a card provider, and wherein the process further comprises at least one of the process actions of:

storing information comprising promotional data associated with the card account, and displaying said promotional data on a display resident in the mobile communication device;

or

monitoring the user'"'"'s purchase history, and providing said history information to the user;

or

monitoring the user'"'"'s purchase history, and in combination with other context information such as the user'"'"'s current location, suggesting to the user what card or card accounts to use for a particular transaction.

8. The process of claim 1, wherein said stored magnetic stripe information is associated with a card account established for a user of the mobile communication device by a card provider, and wherein the process further comprising the process actions of:

inputting user-generated information pertaining to the card account or uses thereof via an input device resident in the mobile communication device,

storing the inputted user-generated information; and

displaying the stored user-generated information on a display resident in the mobile communication device.

9. A computer-implemented process for using a mobile communication device having a magnetic stripe writer to record data on a magnetic stripe of a magnetic stripe card, comprising:

using a computer resident in the mobile communication device to perform the following process actions;

storing information comprising magnetic stripe information for writing the type of data that can be recorded on a magnetic stripe of a magnetic stripe card to enable that card to perform a magnetic stripe-based transaction, said stored magnetic stripe information being associated with multiple card accounts established for a user of the mobile communication device by one or more card providers;

storing information comprising identifying data which separately identifies each of the card accounts;

monitoring the user'"'"'s purchase history, and in combination with other context information, suggesting to the user whenever a magnetic stripe-based transaction is attempted what card account to use for a particular transaction by displaying said identifying data for the suggested card account on a display resident in the mobile communication device;

inputting a selection command from the user via an input device resident in the mobile communication device that designates which card account to use for said particular transaction; and

recording said type of data that can be recorded on a magnetic stripe of a magnetic stripe card onto a magnetic stripe card having a magnetic stripe using the stored magnetic stripe information associated with the card account designated by the user.

10. The process of claim 9, wherein the mobile communication device further comprises a magnetic stripe reader which reads data from a magnetic stripe of a magnetic stripe card, said process further comprising:

storing information comprising magnetic stripe information captured when the magnetic stripe of a magnetic stripe card is read using the magnetic stripe reader of the mobile communication device; and

recording the captured information onto a magnetic stripe of a magnetic stripe card to enable that card to perform a magnetic stripe-based transaction.

11. The process of claim 9, the magnetic strip card comprises a reprogrammable magnetic stripe emulator and a communication interface, and wherein the process action of recording said type of data that can be recorded on a magnetic stripe of a magnetic stripe card onto the magnetic stripe card using the stored magnetic stripe information, comprises transferring the stored magnetic stripe information associated with a selected card account via a wired or wireless connection between the mobile communication device and the communication interface of the magnetic stripe card.

12. A mobile communication device which generates the type of data that can be recorded on a magnetic stripe of a magnetic stripe card to enable that card to perform a magnetic stripe-based transaction, comprising:

a magnetic stripe device comprising a magnetic stripe emulator which emulates said type of data that can be recorded on a magnetic stripe of a magnetic stripe card;

an user input device;

a display device;

a memory device;

a computing device; and

a computer program comprising program modules executable by the computing device, wherein the computing device is directed by the program modules of the computer program to,

store information on said memory device that comprises magnetic stripe information of the type that can be recorded on a magnetic stripe of a magnetic stripe card to enable that card to perform a magnetic stripe-based transaction, said stored magnetic stripe information being associated with a card account established for a user of the mobile communication device by a card provider,

input user-generated information pertaining to the card account or uses thereof via the user input device,

store the inputted user-generated information on said memory device,

display the stored user-generated information on the display device,

transfer said emulated data to a magnetic stripe card reader to perform the magnetic stripe-based transaction, said transferring comprising transferring the emulated data sequentially over time so as to mimic a scenario where the emulated data is recorded in a sequence along a magnetic stripe and read by swiping a stripe past a magnetic stripe card reader head of a magnetic stripe card reader after physical contact has been established between the magnetic stripe emulator and the reader head, and without swiping the magnetic stripe emulator.

13. The mobile communication device of claim 12, wherein the magnetic stripe device further comprises a magnetic stripe writer which records said type of data that can be recorded on a magnetic stripe of a magnetic stripe card onto a magnetic stripe card having a magnetic stripe using the stored magnetic stripe information.

14. The mobile communication device of claim 12, wherein the magnetic stripe device is integrated into a chassis of the mobile communication device.

15. The mobile communication device of claim 12, wherein the magnetic stripe device is a stand-alone accessory that is connected to and in communication with the mobile communication device via a wired or wireless connection.