Magnetic stripe attachment and application for mobile electronic devices

• US 9,838,520 B2
• Filed: 04/22/2011
• Issued: 12/05/2017
• Est. Priority Date: 04/22/2011
• Status: Expired due to Fees

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Goodman, Daniel J.
• Primary Examiner(s): WYCHE, MYRON
• Application Number:
  US13/092,632
• Publication Number:
  US 20120270528A1
• Time in Patent Office: 2,419 Days
• Field of Search: 455418, 455557, 4555758, 705 39, 705 41, 705 75, 713701
• CPC Class Codes: G06Q 20/3572 Multiple accounts on card
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: H04L 2463/102 applying security measure for e-commerce data processing systems or methods, specially adapted for e-commerce G06Q30/00
• 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: H04M 1/21 Combinations with auxiliary equipment, e.g. with clocks or memoranda pads
• CPC Class Codes: H04M 17/00 Prepayment of wireline communication systems, wireless communication systems or telephone systems using a coded card to authorise calls from a telephone set H04M1/675
• CPC Class Codes: H04M 17/02 Coin-freed or check-freed systems , e.g. mobile- or card-operated phones, public telephones or booths
• CPC Class Codes: H04M 17/026 Constructional features
• CPC Class Codes: H04W 4/24 Accounting or billing

Abstract

A mobile electronic device such as a mobile phone includes wallet application software for receiving, storing, encrypting, and transmitting selected payment card data. A tab including a programmable magnetic stripe is associated with a controller for receiving transmitted payment card data and programming the stripe with selected data. The tab is mounted directly to the electronic device or to an attachment device removably coupled to the electronic device. The attachment device may comprise a case for the mobile electronic device that allows access to a user interface and display of the mobile electronic device.

Claims

1. A method comprising:

opening an application on a mobile phone to display one or more payment card options on the mobile phone;

selecting payment card data from a database within the mobile phone including data relating to one or more payment cards, the selection of the payment card data causing the selected payment card data to be programmed onto a magnetic stripe located on a tab;

moving the tab from a storage position on the mobile phone to a use position;

swiping the tab through a magnetic card reader, causing the magnetic stripe to be read; and

returning the tab to the storage position on the mobile phone, the returning causing a clearing of the payment card data programmed onto the magnetic stripe,

wherein the step of clearing the payment card data programmed onto the magnetic stripe is caused by a combination of returning the tab to the storage position and one of an exit from the application on the mobile phone and determining a time out.

2. The method of claim 1, wherein the mobile phone includes a housing, wherein the step of moving the tab includes sliding the tab with respect to the housing.

3. The method of claim 1, wherein the mobile phone includes a housing, wherein the step of moving the tab includes pivoting the tab with respect to the housing.

4. The method of claim 1, wherein the mobile phone includes a housing and a removable case that contains the housing, the tab being secured to the removable case, wherein the step of moving the tab includes repositioning the tab with respect to the removable case.

5. The method of claim 1, further including an attachment device removably secured to the mobile phone, the tab being secured to the attachment, and further including the step of causing the tab to move from the storage position to the use position by pressing the attachment against the magnetic card reader.

6. The method of claim 1, further including downloading the application to an application memory, entering payment card data into the database and checking the validity of the entered card data.

7. The method of claim 6, wherein the step of entering payment card data comprises swiping a payment card through a magnetic card reader attached to the mobile phone.

8. A device comprising:

a first housing portion comprising a receptacle for removable attachment to a mobile electronic device;

a tab including a programmable magnetic stripe coupled, in a fixed position and orientation, to the first housing portion;

a second housing portion, connected to the first hosing portion and resiliently disposed in a first position, and movable towards the first hosing portion and the mobile electronic device to a second position exposing at least a portion of the programmable magnetic stripe;

a controller within the housing for programming the programmable magnetic stripe with payment card data; and

a communication device configured to electrically communicate information from a mobile electronic device to the controller.

9. The device of claim 8, further including means for resiliently urging the second housing portion into the first position.

10. The device of claim 8, wherein the communication device comprises a USB connector.

11. The device of claim 10, wherein the connecting device comprises the USB connector.

12. The device of claim 8, wherein the communication device comprises an audio jack connector.

13. The device of claim 12, wherein the connecting device comprises the audio jack connector.

14. The device of claim 8, wherein the communication device comprises a dock connector.

15. The device of claim 14, wherein the connecting device comprises the dock connector.

16. A case comprising:

a housing including an enclosure for containing a hand-held electronic device and at least one opening for providing access to the enclosure;

a tab comprising a knob exposed outside of the housing, the tab movably attached to the housing within a slot between a retracted position, wherein a programmable magnetic stripe portion of the tab is concealed, to an exposed position exposing the programmable magnetic stripe portion of the tab outside of the housing;

a controller within the housing for programming the magnetic stripe with payment card data;

a communication device on the housing configured to electrically communicate information from a mobile electronic device to the controller; and

a magnetic stripe encoder disposed within the housing and along the slot, wherein a movement of the tab from the retracted position to the exposed position moves the tab including the programmable magnetic stripe portion along a slot and past the magnetic stripe encoder in a first direction and subsequently external to the housing by moving the tab including the programmable magnetic stripe portion along the slot in a second direction different than the first direction.

17. The case of claim 16, wherein the communication device comprises a USB connector.

18. The case of claim 16, wherein the communication device comprises an audio jack connector.

19. The case of claim 16, further including a hinge, the tab being secured to the hinge.

20. An assembly comprising:

a mobile phone including a housing, an operating system, wallet application software operatively associated with the operating system, a display, an antenna, and a user interface operatively associated with the wallet application software, the wallet application software configured for entering payment card data, storing the payment card data in a database, checking validity of the payment card data, encrypting the payment card data, and transmitting the payment card data;

a tab including a programmable magnetic stripe; and

a controller, receiving the payment card data from the wallet application software, the controller operatively associated with the tab and configured to program the programmable magnetic stripe with the payment card data, wherein the controller is further configured to clear the programmable magnetic stripe of the payment card data in response to detecting a combined condition including a retraction of the tab, an exit from the wallet application and a time-out driven by the controller.

21. The assembly of claim 20, further comprising:

a case including a plurality of panels defining an enclosure, an opening for providing access to the enclosure, the mobile phone being positionable in the enclosure such that the display is accessible through the opening, the tab being secured to the case and movable with respect to the case between a first position where the magnetic stripe is covered and a second position where the magnetic stripe is exposed, the controller being located within the case, and

a connector device on the case for communicating the payment card data from the operating system to the controller.

22. The assembly of claim 21, wherein the tab is slidably mounted to the case.

23. The assembly of claim 20, further comprising an attachment device removably connectable to the phone housing, the tab being mounted to the attachment device, the controller being located within the attachment device, the attachment device including a connector device for communicating the payment card data from the operating system to the controller.

24. The assembly of claim 23, wherein the attachment device comprises first and second housing portions, the tab being attached to the first housing portion, the housing portions being movable with respect to each other between first and second positions, the magnetic stripe being stored within the housing when the housing portions are in the first position and exposed when the housing portions are in the second position.

25. A method comprising:

downloading a wallet application to a hand-held electronic device, said hand-held electronic device comprising a processor and a memory coupled to said processor, said memory having at least one non-wallet application stored therein;

opening said wallet application on said hand-held electronic device to display one or more payment card options on said hand-held electronic device;

selecting payment card data from a database within said hand-held electronic device including data relating to one or more payment cards;

causing the selected payment card data to be programmed onto a magnetic stripe located on a tab;

moving the tab from a storage position on said hand-held electronic device to a use position;

swiping the tab through a magnetic card reader, causing the magnetic stripe to be read; and

returning the tab to the storage position on said hand-held electronic device, said returning causing a clearing of the payment card data programmed onto the magnetic stripe,

wherein the step of clearing the payment card data programmed onto the magnetic stripe is cause by a combination of returning the tab to the storage position and one of an exit from the wallet application on the hand-held electronic device and determining a time out.

26. The method of claim 25, further comprising:

downloading said non-wallet application to said hand-held electronic device; and

opening said non-wallet application on said hand-held electronic device.

27. The method of claim 26, wherein said non-wallet application that is downloaded comprises at least one of a music application, a map application, and a game application.