Wireless communicating radio frequency signals

• US 9,311,766 B2
• Filed: 11/17/2008
• Issued: 04/12/2016
• Est. Priority Date: 09/12/2007
• Status: Expired due to Fees

• Current Assignee: DeviceFidelity, Inc. (Block, Inc. (f/k/a Square, Inc.))
• Original Assignee: DeviceFidelity, Inc. (Block, Inc. (f/k/a Square, Inc.))
• Inventors: Jain, Deepak, Dao, Tuan Quoc, Malhotra, Amitaabh
• Primary Examiner(s): KELLY, RAFFERTY D
• Application Number:
  US12/272,527
• Publication Number:
  US 20090108063A1
• Time in Patent Office: 2,703 Days
• Field of Search: 235/380, 235/492
• US Class Current: 1/1
• CPC Class Codes: G06K 19/07732 the record carrier having a housing or construction similar to well-known portable memory devices, such as SD cards, USB or memory sticks housings for electrical equipment in general, see H05K5/02
• CPC Class Codes: G06K 19/07749 the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card
• CPC Class Codes: G06K 7/10237 the reader and the record carrier being capable of selectively switching between reader and record carrier appearance, e.g. in near field communication [NFC] devices where the NFC device may function as an RFID reader or as an RFID tag
• 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 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/3574 Multiple applications on card
• CPC Class Codes: G06Q 20/3576 Multiple memory zones on card
• CPC Class Codes: G07F 7/0806 Details of the card record carriers per se G06K
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: H04M 1/0274 for an electrical connector module
• CPC Class Codes: H04M 1/7246 by connection of exchangeable housing parts
• CPC Class Codes: H04W 12/06 Authentication
• CPC Class Codes: H04W 12/47 using near field communication [NFC] or radio frequency identification [RFID] modules
• 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
• CPC Class Codes: H04W 88/00 Devices specially adapted for wireless communication networks, e.g. terminals, base stations or access point devices

Abstract

The present disclosure is directed to a system and method for wirelessly communicating Radio Frequency (RF) signals. In some implementations, a microSD payment system includes an antenna element and a card element. The antenna element affixes to a surface of a mobile device and includes antenna for wireless communicating RF signals with retail terminals and a connection to a microSD card element. The card element includes a shape and dimensions approximately equal to a standard microSD card and wirelessly executes transactions with the retail terminals using the antenna of the antenna element.

Claims

1. A micro SecureDigital (microSD) payment card, comprising:

a first interface that connects to a microSD slot of a mobile host device;

a second interface that includes an antenna for wirelessly communicating with retail terminals;

secure memory that stores user credentials and a payment application used to execute financial transactions with the retail terminals, the user credentials and the payment application associated with a financial institution;

one or more processors configured to;

communicate through a Graphical User Interface (GUI) of the mobile host device;

determine an attempted transaction using the microSD payment card is potentially fraudulent activity;

in response to the potentially fraudulent activity, automatically deactivate, while the microSD payment card is connected to the mobile host device, the second interface based, at least in part, on a deactivate command; and

transmit, through the first interface, a command to the financial institution to temporarily deactivate a financial account associated with the user credentials, wherein the command is transmit to the financial institution using cellular technology of the mobile host device.

2. The microSD payment card of claim 1, further comprising a housing that encloses at least a portion of the secure memory, the user-interface module and the processing module.

3. The microSD of claim 2, wherein the housing includes a substantially-planar interior surface, the antenna includes a coiled antenna adjacent the substantially-planar interior surface.

4. The microSD of claim 2, wherein the antenna includes a helical antenna, the housing enclosing the helical antenna.

5. The microSD of claim 4, further comprising a dielectric core, wherein the helical antenna is adjacent a surface of the dielectric core.

6. A method, comprising:

interfacing a microSD slot of a mobile host device;

wirelessly communicating with a retail terminal;

storing user credentials and a payment application used to execute financial transactions with the retail terminals, the user credentials and the payment application associated with a financial institution;

communicating information through a Graphical User Interface (GUI) of the mobile host device;

executing the payment application using the user credentials in response to at least a transaction request received by the RF module;

transmitting at least one transaction response to the retail terminal based, at least in part, on the executed payment application;

determining an attempted transaction using the microSD payment card is potentially fraudulent activity;

in response to the potentially fraudulent activity, automatically deactivating, while interfacing the mobile host device, wireless communication based, at least in part, on a deactivate command; and

transmitting, using cellular technology of the mobile host device, a command to the financial institution to temporarily deactivate a financial account associated with the user credentials.

7. The method of claim 6, wherein the second interface includes at least one of a coiled antenna, a helical antenna, or a dielectric core.