Portable E-wallet and universal card

• US 9,129,199 B2
• Filed: 10/04/2012
• Issued: 09/08/2015
• Est. Priority Date: 03/02/2010
• Status: Expired due to Fees

• Current Assignee: Gonow Technologies LLC
• Original Assignee: Gonow Technologies LLC
• Inventors: Spodak, Douglas A., Fridman, Ron
• Primary Examiner(s): Kazimi, Hani M
• Assistant Examiner(s): Ali, Hatem M
• Application Number:
  US13/644,714
• Publication Number:
  US 20130030997A1
• Time in Patent Office: 1,069 Days
• Field of Search: 705/41
• US Class Current: 1/1
• 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 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• 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 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G07F 7/0846 On-card display means
• CPC Class Codes: G07F 7/086 by passive credit-cards adapted therefor, e.g. constructive particularities to avoid counterfeiting, e.g. by inclusion of a physical or chemical security-layer for security documents G07D7/00; for the reading of record-carriers in general G06K7/00; for the design of coded credit-cards G06K19/10
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

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 EMV (Europay, MasterCard and Visa) card data, the method comprising:

receiving, by a computing device, EMV card data in an encrypted format;

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

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

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

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

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

3. The method of claim 1, further comprising:

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

4. The method of claim 1, wherein receiving the EMV card data in the encrypted format comprises receiving, by the computing device, the EMV card data in the encrypted format from a trusted source.

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

6. The method of claim 1, wherein the EMV card data comprises one or more of gift card data, prepaid card data, and stored value card data, and wherein the selected card is associated with one of the gift card data, the prepaid card data, and the stored value card data.

7. A non-transitory computer readable medium having instructions embodied thereon for handling EMV (Europay, MasterCard and Visa) card data, the instructions, when executed by a computing device, causing the computing device to:

receive, by the computing device, EMV card data in an encrypted format;

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

receive, by the computing device from the universal card, non-secure EMV card data;

store, in the computing device, the non-secure EMV card data, wherein the computing device comprises an e-wallet application configured to permit a user selection of an EMV card based on an identification of at least a portion of the non-secure EMV 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 EMV chip of the universal card, wherein the dynamic EMV chip emulates a static EMV chip of the selected card using at least a portion of the decrypted EMV card data stored in the secure element of the universal card.

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

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

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

10. The non-transitory computer readable medium of claim 7, wherein the instructions to receive the EMV card data in the encrypted format comprise instructions to receive, by the computing device, the EMV card data in the encrypted format from a trusted source.

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

12. The non-transitory computer readable medium of claim 7, wherein the EMV card data comprises one or more of gift card data, prepaid card data, and stored value card data, and wherein the selected card is associated with one of the gift card data, the prepaid card data, and the stored value card data.

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, when executed by the computing device, cause the computing device to;

receive EMV (Europay, MasterCard and Visa) card data in an encrypted format;

transmit, to a universal card via the short range transceiver, the EMV card data in the encrypted format, wherein the universal card comprises a secure element which is configured to decrypt the EMV card data, and wherein the universal card is configured to store the decrypted EMV card data in the secure element;

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

store the non-secure EMV 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 non-secure EMV card data; and

send to the universal card an indication of the selected card, wherein the universal card is configured to configure a dynamic EMV chip of the universal card, wherein the dynamic EMV chip emulates a static EMV chip of the selected card using at least a portion of the decrypted EMV card data stored in the secure element of the universal card.

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

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

15. The computing device of claim 13, wherein the instructions to receive the EMV card data in the encrypted format comprise instructions to receive the EMV card data in the encrypted format from a trusted source.

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

17. The computing device of claim 13, wherein the EMV card data comprises one or more of gift card data, prepaid card data, and stored value card data, and wherein the selected card is associated with one of the gift card data, the prepaid card data, and the stored value card data.

18. A method of handling EMV (Europay, MasterCard and Visa) card data, the method comprising:

receiving, by a universal card from a computing device, EMV card data in an encrypted format;

decrypting, by a decrypting module in a secure element of the universal card, the EMV card data;

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

transmitting, by the universal card to the computing device, non-secure EMV card data, wherein the computing device comprises an e-wallet application, the e-wallet application permitting a user selection of an EMV card based on an identification of at least a portion of the non-secure EMV card data;

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

configuring a dynamic EMV chip of the universal card to emulate a static EMV chip of the selected card; and

emulating the static EMV chip of the selected card using at least a portion of the decrypted EMV card data stored in the secure element.

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

20. The method of claim 18, wherein the computing device is configured to receive the EMV card data in the encrypted format from a trusted source.

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

22. The method of claim 18, wherein the EMV card data comprises one or more of gift card data, prepaid card data, and stored value card data, and wherein the selected card is associated with one of the gift card data, the prepaid card data, and the stored value card data.

23. A non-transitory computer readable medium having instructions embodied thereon for handling card data, the instructions, when executed by a computing device, causing the computing device to:

receive, by a universal card from the computing device, EMV (Europay, MasterCard and Visa) card data in an encrypted format;

decrypt, by a decrypting module in a secure element of the universal card, the EMV card data;

store the decrypted EMV card data in the secure element of the universal card;

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

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

configure a dynamic EMV chip of the universal card, wherein the dynamic EMV chip emulates a static EMV chip of the selected card using at least a portion of the decrypted EMV card data stored in the secure element.

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

25. The non-transitory computer readable medium of claim 23, wherein the computing device is configured to receive the EMV card data in the encrypted format from a trusted source.

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

27. The non-transitory computer readable medium of claim 23, wherein the EMV card data comprises one or more of gift card data, prepaid card data, and stored value card data, and wherein the selected card is associated with one of the gift card data, the prepaid card data, and the stored value card data.

28. A universal card comprising:

a dynamic EMV (Europay, MasterCard and Visa) chip;

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, EMV card data in an encrypted format;

decrypt, by the decrypting module, the EMV card data;

store the decrypted EMV card data in the secure element;

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

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

configure the dynamic EMV chip, wherein the dynamic EMV chip emulates a static EMV chip of the selected card using at least a portion of the decrypted EMV card data stored in the secure element.

29. 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 EMV card data in the encrypted format comprise instructions to receive the EMV card data in the encrypted format via the short range transceiver.

30. The universal card of claim 28, wherein the computing device is configured to receive the EMV card data in the encrypted format from a trusted source.

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

32. The universal card of claim 28, wherein the EMV card data comprises one or more of gift card data, prepaid card data, and stored value card data, and wherein the selected card is associated with one of the gift card data, the prepaid card data, and the stored value card data.