System and method for a secure cardholder load and storage device

• US 9,195,983 B2
• Filed: 02/01/2013
• Issued: 11/24/2015
• Est. Priority Date: 04/05/2011
• Status: Active Grant

• Current Assignee: Ingenico (Ingenico Group SA)
• Original Assignee: ROAM Data Incorporated (Ingenico Group SA)
• Inventors: Graylin, Will W.
• Primary Examiner(s): TRAIL, ALLYSON NEEL
• Application Number:
  US13/756,620
• Publication Number:
  US 20130140360A1
• Time in Patent Office: 1,026 Days
• Field of Search: 235/380, 235/492, 705/39, 705/64
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3265 characterised by personalisation for use
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/353 Payments by cards read by M-devices
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0201 Market modelling; Market analysis; Collecting market data
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0603 Catalogue ordering
• CPC Class Codes: G06Q 30/0613 Third-party assisted
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: H04L 67/02 based on web technology, e.g. hypertext transfer protocol [HTTP]
• CPC Class Codes: H04W 4/80 Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

Abstract

A system for a secure cardholder and storage device includes a mobile communication device and a secure card transporter (SCT). The SCT includes a Near Field Communication (NFC) chip, a microprocessor, a magnetic stripe card reader, a contact chip card reader, a contactless card reader, an audio jack interface and a micro-USB interface. The SCT interfaces with the mobile communication device via the audio jack interface or the micro-USB interface, and the SCT captures payment card data and transmits the captured payment card data to a merchant point of sale (POS) checkout system both in the physical and virtual environments. The system provides convenient buying experience for buyers, and secure and informative transaction for sellers.

Claims

1. A system for a secure cardholder and storage device comprising:

a mobile communication device that comprises a mobile wallet application;

a secure card transporter (SCT) comprising;

a Near Field Communication (NFC) chip;

a microprocessor;

a magnetic stripe card reader;

a contact chip card reader;

a contactless card reader;

an audio jack interface; and

a micro-USB interface;

wherein the SCT interfaces with the mobile communication device by either one of the audio jack interface or the micro-USB interface, and wherein the mobile wallet application initializes and unlocks the SCT; and

wherein the SCT captures payment card data and transmits the captured payment card data to a merchant point of sale (POS) checkout system.

2. The system of claim 1, wherein the mobile communication device further comprises a payment checkout application that interacts with the SCT and accepts payment card data from the SCT.

3. The system of claim 1, wherein the mobile wallet application interacts with the SCT to provide more than one mode of operation, and wherein the more that one mode of operation comprises card emulation mode, card load mode and card read mode.

4. The system of claim 3, wherein the SCT operated in the card emulation mode is configured to allow a user to select a specific payment card and to change payment cards via the mobile wallet application for payment at the merchant POS system.

5. The system of claim 3, wherein the SCT operated in the card load mode is configured to allow a user to load payment card data and to store the loaded payment card data onto a secure element of the NFC chip and onto an online digital wallet via the mobile wallet application.

6. The system of claim 3, wherein the SCT operated in the card read mode is configured to allow a user to retrieve payment card data and to transmit the retrieved payment card data to the merchant POS system.

7. The system of claim 1, wherein the mobile communication device comprises one of Smartphone, tablet, or personal computer.

8. The system of claim 1, wherein the microprocessor is configured to provide security and communications with the mobile communication device.

9. The system of claim 1, wherein the NFC chip stores payment card data and cardholder data in a secure element.

10. The system of claim 9, wherein the NFC chip is configured to be used as a contactless payment card that is read by the merchant POS checkout system.

11. The system of claim 9, wherein the NFC chip is configured to read contactless payment cards and to transmit payment card data to other SCT devices in a peer-to-peer mode.

12. A system for a secure cardholder and storage device comprising:

a mobile communication device;

a secure card transporter (SCT) comprising

a Near Field Communication (NFC) chip;

a microprocessor;

a magnetic stripe card reader;

a contact chip card reader;

a contactless card reader;

a battery;

a charging circuit;

an audio jack interface; and

a micro-USB interface;

wherein the SCT interfaces with the mobile communication device via the audio jack interface or the micro-USB interface; and

wherein the SCT captures payment card data and transmits the captured payment card data to a merchant point of sale (POS) checkout system.

13. A method for providing a secure cardholder and storage device, the method comprising:

providing a mobile communication device that has a mobile wallet application;

providing a secure card transporter (SCT) comprising

a Near Field Communication (NFC) chip;

a microprocessor;

a magnetic stripe card reader;

a contact chip card reader;

a contactless card reader;

an audio jack interface; and

a micro-USB interface;

wherein the SCT interfaces with the mobile communication device via the audio jack interface or the micro-USB interface and the mobile wallet application initializes and unlocks the SCT; and

wherein the SCT captures payment card data and transmits the captured payment card data to a merchant point of sale (POS) checkout system.

14. The method of claim 13, wherein the mobile communication device further comprises a payment checkout application that interacts with the SCT and accepts payment card data from the SCT.

15. The method of claim 13, wherein the mobile wallet application interacts with the SCT in order to provide mode of operations comprising card emulation mode, card load mode and card read mode.

16. The method of claim 15, wherein the SCT operated in the card emulation mode is configured to allow a user to select a specific payment card and to change payment cards via the mobile wallet application for payment at the merchant POS system.

17. The method of claim 15, wherein the SCT operated in the card load mode is configured to allow a user to load payment card data and to store the loaded payment card data onto a secure element of the NFC chip and onto an online digital wallet via the mobile wallet application.

18. The method of claim 15, wherein the SCT operated in the card read mode is configured to allow a user to retrieve payment card data and to transmit the retrieved payment card data to the merchant POS system.