Portable e-wallet and universal card

• US 9,734,345 B2
• Filed: 09/02/2015
• Issued: 08/15/2017
• 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:
  US14/843,865
• Publication Number:
  US 20150379283A1
• Time in Patent Office: 713 Days
• Field of Search: 705 44, 705 41
• 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 portable system, comprising:

a mobile computing device comprising a first memory for storing encrypted card data;

a first short range transceiver operatively coupled to the first memory and configured to receive the encrypted card data; and

a second memory; and

a universal card comprising a secure element;

a second short range transceiver;

a decrypting module;

a first card memory operatively coupled to the decrypting module;

a second card memory operatively coupled to the decrypting module and the second short range transceiver; and

a dynamic magnetic stripe;

wherein the system is configured to transmit the encrypted card data from the first memory of the mobile computing device to the decrypting module of the universal card via the first and second short range transceivers;

wherein the system is further configured to employ the decrypting module to decrypt the encrypted card data, to store secure card data in the first card memory, and to store non-secure card data in the second card memory;

wherein the system is further configured to transmit the non-secure card data from the second card memory to the second memory of the mobile computing device via the first and second short range transceivers; and

wherein the system is further configured to communicate secure card data from the secure element to a magnetic strip terminal via the dynamic magnetic stripe.

2. The portable system of claim 1, wherein the first short range transceiver comprises a first near field communications (NFC) transceiver, and wherein the second short range transceiver comprises a second NFC transceiver.

3. The portable system of claim 1, wherein the first short range transceiver comprises a first Bluetooth communications transceiver, and wherein the second short range transceiver comprises a second Bluetooth communications transceiver.

4. The portable system of claim 1, wherein the mobile computing device further comprises an application configured to display the non-secure card data.

5. The portable system of claim 1, wherein the universal card further comprises an integrated circuit (IC) chip, wherein the IC chip is configured to receive a personal identification number (PIN) submitted by a user and to verify the correctness of the PIN.

6. The portable system of claim 1, wherein the dynamic magnetic stripe comprises a first track including a first field in which an account number is stored;

and a second track in which the account number and one of an expiration date or separator is stored.

7. The portable system of claim 1, wherein the universal card is configurable as a key card.

8. The portable system of claim 1, wherein the universal card is configured as a payment card.

9. The portable system of claim 1, wherein the universal card is configured as a medical card.

10. The portable system of claim 1, wherein the universal card is configured as a gift card.

11. The portable system of claim 1, wherein the system is configured to enable a user to configure the universal card, via the mobile computing device, to emulate a selected card.

12. The portable system of claim 11, wherein the system is configured to carry out the following steps when configuring the universal card:

receiving, via the mobile computing device, a request to configure the universal card as the selected card;

employing the first and second short range transceivers to establish a short range communication link between the mobile computing device and the universal card;

communicating an identifier of the mobile computing device to the universal card;

determining, via the universal card and based on the identifier, whether the mobile computing device is authorized to request configuration of the universal card;

prompting, via the mobile computing device, the user for authentication information;

receiving the authentication information from the user via the mobile computing device;

determining whether the authentication information is valid;

in response to determining that the authentication information is valid, sending the request to configure the universal card as the selected card from the mobile computing device to the universal card; and

employing the dynamic magnetic stripe of the universal card to communicate selected card information from the universal card to a card reader.

13. The portable system of claim 12, 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, a personal identification number (PIN) entered into the mobile computing device, and biometric information from the user.