Portable e-wallet and universal card
First Claim
1. A method of providing card data to a universal card for emulating a card for interacting with a terminal, wherein a transaction between the card and the terminal results in the card passing card data to the terminal, the method comprising:
- receiving, by a mobile computing device, card data sent by a computing device associated with a provider of card data, wherein the computing device associated with the provider of card data is configured to send the card data in response to receiving a request that the card data be sent to the mobile computing device;
establishing, by the mobile computing device, a short range wireless communication link with a universal card associated with the mobile computing device, 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;
delivering, via the short range wireless communication link, the card data from the mobile computing device to the universal card, wherein the universal card comprises a secure element configured to store the card data in accordance with a pre-established level of security; and
sending, from the mobile computing device to the universal card via the short range wireless communication link, a request for the universal card to emulate a static communication mechanism of the card for a period of time, wherein a dynamic communication mechanism of the universal card emulates the static communication mechanism of the card for the period of time using the card data stored in the secure element.
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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.
94 Citations
33 Claims
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1. A method of providing card data to a universal card for emulating a card for interacting with a terminal, wherein a transaction between the card and the terminal results in the card passing card data to the terminal, the method comprising:
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receiving, by a mobile computing device, card data sent by a computing device associated with a provider of card data, wherein the computing device associated with the provider of card data is configured to send the card data in response to receiving a request that the card data be sent to the mobile computing device; establishing, by the mobile computing device, a short range wireless communication link with a universal card associated with the mobile computing device, 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; delivering, via the short range wireless communication link, the card data from the mobile computing device to the universal card, wherein the universal card comprises a secure element configured to store the card data in accordance with a pre-established level of security; and sending, from the mobile computing device to the universal card via the short range wireless communication link, a request for the universal card to emulate a static communication mechanism of the card for a period of time, wherein a dynamic communication mechanism of the universal card emulates the static communication mechanism of the card for the period of time using the card data stored in the secure element. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A non-transitory computer readable medium having instructions embodied thereon for providing card data to a universal card for emulating a card for interacting with a terminal, wherein a transaction between the card and the terminal results in the card passing card data to the terminal, the instructions, when executed by a mobile computing device, cause the mobile computing device to:
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receive card data sent by a computing device associated with a provider of card data, wherein the computing device associated with the provider of card data is configured to send the card data in response to receiving a request that the card data be sent to the mobile computing device; establish a short range wireless communication link with a universal card associated with the mobile computing device, 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; deliver, via the short range wireless communication link, the card data from the mobile computing device to the universal card, wherein the universal card comprises a secure element configured to store the card data in accordance with a pre-established level of security; and send to the universal card via the short range wireless communication link a request for the universal card to emulate a static communication mechanism of the card for a period of time, wherein a dynamic communication mechanism of the universal card emulates the static communication mechanism of the card for the period of time using the card data stored in the secure element. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20, 21, 22)
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23. A mobile computing device for providing card data to a universal card for emulating a card for interacting with a terminal, wherein a transaction between the card and the terminal results in the card passing card data to the terminal, the mobile computing device comprising:
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a communication mechanism configured to communicate with a computing device associated with a provider of card data via a network; and a short range wireless communication mechanism configured to establish a short range wireless communication link with a universal card associated with the mobile computing device, 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; wherein the mobile computing device is configured to; receive card data sent by the computing device associated with the provider of card data, wherein the computing device associated with the provider of card data is configured to send the card data in response to receiving a request that the card data be sent to the mobile computing device; deliver, via the short range wireless communication link, the card data from the mobile computing device to the universal card, wherein the universal card comprises a secure element configured to store the card data in accordance with a pre-established level of security; and send, from the mobile computing device to the universal card via the short range wireless communication link, a request for the universal card to emulate a static communication mechanism of the card for a period of time, wherein a dynamic communication mechanism of the universal card emulates the static communication mechanism of the card for the period of time using the card data stored in the secure element. - View Dependent Claims (24, 25, 26, 27, 28, 29, 30, 31, 32, 33)
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Specification