Portable e-wallet and universal card

• US 9,317,018 B2
• Filed: 03/15/2013
• Issued: 04/19/2016
• 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:
  US13/836,864
• Publication Number:
  US 20130200999A1
• Time in Patent Office: 1,131 Days
• Field of Search: 705/41
• US Class Current: 1/1
• CPC Class Codes: G05B 1/01 electric
• CPC Class Codes: G06F 21/606 by securing the transmission between two devices or processes
• CPC Class Codes: G06F 21/6245 Protecting personal data, e.g. for financial or medical purposes
• CPC Class Codes: G06K 19/06187 with magnetically detectable marking
• CPC Class Codes: G06K 19/06206 the magnetic marking being emulated
• 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 19/072 the record carrier comprising a plurality of integrated circuit chips
• 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: G06K 7/01 Details
• CPC Class Codes: G06Q 20/325 using wireless networks
• 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 20/354 Card activation or deactivation
• CPC Class Codes: G06Q 20/355 Personalisation of cards for use
• 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 20/3576 Multiple memory zones 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: G06Q 20/385 : using an alias or single-use codes
• CPC Class Codes: G06Q 20/4012 : Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 2220/10 : Usage protection of distributed data files
• 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
• CPC Class Codes: G16H 10/60 : for patient-specific data, e.g. for electronic patient records
• CPC Class Codes: G16H 10/65 : stored on portable record carriers, e.g. on smartcards, RFID tags or CD
• CPC Class Codes: G16H 15/00 : ICT specially adapted for medical reports, e.g. generation or transmission thereof
• CPC Class Codes: G16Z 99/00 : Subject matter not provided for in other main groups of this subclass
• CPC Class Codes: H04L 63/0853 : using an additional device, e.g. smartcard, SIM or a different communication terminal cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234
• CPC Class Codes: H04W 12/068 : using credential vaults, e.g. password manager applications or one time password [OTP] applications
• CPC Class Codes: H04W 12/069 : using certificates or pre-shared keys
• 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 76/14 : Direct-mode setup

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 configuring a universal card to emulate a key card, the method comprising:

receiving, by a mobile computing device, a request to configure a universal card as a key card;

establishing a short range communication link between the mobile computing device and the universal card;

communicating, by the mobile computing device, an identifier of the mobile computing device to the universal card, wherein the universal card is configured to determine whether the mobile computing device is authorized to request configuration of the universal card as a key card based on the identifier of the mobile computing device;

prompting, by the mobile computing device, a user of the mobile computing device for authentication information;

determining, by the mobile computing device, whether the authentication information is valid; and

sending, by the mobile computing device, the request to configure the universal card as a key card from the mobile computing device to the universal card in response to determining that the authentication information is valid, wherein the universal card comprises a secure element having key card information stored therein and one or more dynamic data communication mechanisms, and wherein the universal card passes the key card information from at least one of the one or more dynamic data communication mechanisms to a key card reader in response to determining that the mobile computing device is authorized to request configuration of the universal card as a key card and receiving the request to configure the universal card as a key card.

2. The method of claim 1, further comprising:

receiving, by the mobile computing device, the key card information;

transmitting the key card information from the mobile computing device to the universal card;

wherein the universal card is configured to store the key card information in the secure element after receiving the key card information from the mobile computing device.

3. The method of claim 2, wherein the key card information is received by the mobile computing device in an encrypted format, wherein the key card information is transmitted from the mobile computing device to the universal card in the encrypted format, and wherein the universal card is configured to decrypt the key card information received in the encrypted format.

4. The method of claim 1, wherein the one or more dynamic data communication mechanisms comprise one or more of a dynamic magnetic stripe, a dynamic radio frequency identification (RFID) transmitter, and a short range communication transmitter.

5. The method of claim 1, wherein the authentication information comprises at least one of a code entered into the mobile computing device, a password entered into the mobile computing device, and a personal identification number (PIN) entered into the mobile computing device.

6. The method of claim 1, wherein the authentication information comprises biometric information from the user.

7. The method of claim 1, further comprising:

providing an indication that the at least one of the one or more dynamic data communication mechanisms has been configured to pass the key card information to the key card reader.

21. The universal card of claim 1, wherein the universal card is further configured to:

provide an indication that the at least one of the one or more dynamic data communication mechanisms has been configured to pass the key card information to the key card reader.

8. A non-transitory computer readable medium having instructions embodied thereon for configuring a universal card to emulate a key card, the instructions, when executed by a mobile computing device, causing the mobile computing device to:

receive, by the mobile computing device, a request to configure a universal card as a key card;

establish a short range communication link between the mobile computing device and the universal card;

communicate an identifier of the mobile computing device to the universal card, wherein the universal card is configured to determine whether the mobile computing device is authorized to request configuration of the universal card as a key card based on the identifier of the mobile computing device;

prompt a user of the mobile computing device for authentication information;

determine whether the authentication information is valid; and

send the request to configure the universal card as a key card from the mobile computing device to the universal card in response to determining that the authentication information is valid, wherein the universal card comprises a secure element having key card information stored therein and one or more dynamic data communication mechanisms, and wherein the universal card is configured to configure at least one of the one or more dynamic data communication mechanisms, wherein the at least one of the one or more dynamic data communication mechanisms passes the key card information to a key card reader in response to receiving the request to configure the universal card as a key card.

9. The computer readable medium of claim 8, the instructions further comprising:

instructions to receive, by the mobile computing device, the key card information; and

instructions to transmit the key card information from the mobile computing device to the universal card;

wherein the universal card is configured to store the key card information in the secure element after receiving the key card information from the mobile computing device.

10. The computer readable medium of claim 9, wherein the key card information is received by the mobile computing device in an encrypted format, wherein the key card information is transmitted from the mobile computing device to the universal card in the encrypted format, and wherein the universal card is configured to decrypt the key card information received in the encrypted format.

11. The computer readable medium of claim 8, wherein the one or more dynamic data communication mechanisms comprise one or more of a dynamic magnetic stripe, a dynamic radio frequency identification (RFID) transmitter, and a short range communication transmitter.

12. The computer readable medium of claim 8, wherein the authentication information comprises at least one of a code entered into the mobile computing device, a password entered into the mobile computing device, and a personal identification number (PIN) entered into the mobile computing device.

13. The computer readable medium of claim 8, wherein the authentication information comprises biometric information from the user.

14. The computer readable medium of claim 8, the instructions further comprising:

instructions to provide an indication that the at least one of the one or more dynamic data communication mechanisms has been configured to pass the key card information to the key card reader.

15. A universal card comprising:

one or more dynamic data communication mechanisms; and

a secure element configured to store key card information;

wherein the universal card is configured to;

establish a short range communication link with a mobile computing device;

receive, from the mobile computing device, an identifier of the mobile computing device;

receive authentication information entered into the mobile computing device by a user of the mobile computing device;

determine whether the mobile computing device is authorized to request configuration of the universal card a key card based on the identifier of the mobile computing device and the authentication information;

receive a request to configure the universal card as a key card from the mobile computing device; and

configure at least one of the one or more dynamic data communication mechanisms, wherein the at least one of the one or more dynamic data communication mechanisms passes the key card information to a key card reader in response to receiving the request to configure the universal card as a key card and determining that the mobile computing device is authorized to request configuration of the universal card as a key card.

16. The universal card of claim 15, wherein the universal card is further configured to:

receive the key card information from the mobile computing device; and

store the key card information in the secure element after receiving the key card information from the mobile computing device.

17. The universal card of claim 16, wherein the key card information is received from the mobile computing device in an encrypted format, and wherein the universal card is further configured to decrypt the key card information received in the encrypted format.

18. The universal card of claim 15, wherein the one or more dynamic data communication mechanisms comprise one or more of a dynamic magnetic stripe, a dynamic radio frequency identification (RFID) transmitter, and a short range communication transmitter.

19. The universal card of claim 15, wherein the authentication information comprises at least one of a code entered into the mobile computing device, a password entered into the mobile computing device, and a personal identification number (PIN) entered into the mobile computing device.

20. The universal card of claim 15, wherein the authentication information comprises biometric information from the user.