Plug in credit card reader module for wireless cellular phone verifications

• US 20040104268A1
• Filed: 07/30/2002
• Published: 06/03/2004
• Est. Priority Date: 07/30/2002
• Status: Abandoned Application

• Current Assignee: Kenneth Stephen Bailey
• Original Assignee: Kenneth Stephen Bailey
• Inventors: Bailey, Kenneth Stephen
• Application Number:
  US10/207,730
• Publication Number:
  US 20040104268A1
• Time in Patent Office: Days
• US Class Current: 235/439
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from 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 20/40145 Biometric identity checks
• CPC Class Codes: G07C 9/37 using biometric data, e.g. fingerprints, iris scans or voice recognition
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• 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: G07G 1/0018 Constructional details, e.g. of drawer, printing means, input means
• CPC Class Codes: H04M 1/72409 by interfacing with external accessories hands-free H04M1/60
• CPC Class Codes: H04M 2250/14 including a card reading device

Abstract

A method for converting a standard, consumer, hand held, cellular telephone into a hand held, point of sale, (POS) credit card terminal, utilizing an attachment module which plugs into the data port on the bottom or external RS-232 port of the cellular phone is described herein. The Module is comprised of: a reinforced plastic enclosure molded to the contour of the cellular phone; an internal printed circuit board containing a micro-processor unit, a memory chip, an I/R interface chip, I/R diodes; a credit card reader head that has been modified to reduce the size of the reader head thickness; a smart card reader assembly; a barcode reader and; an electronic fingerprint reader interface.

Claims

1. I claim, a plug-in attachment module for any manufactured cellular telephone as an after market device, which attaches to the unmodified off the shelf, hand-held cellular telephone, by connecting through the standard external data port, either via an RS-232 configuration, a USB configuration or a three-wire serial configuration, and said module to be comprised of and contain:

1. A credit card magnetic stripe reader head;

2. A Smartcard insertion slot;

3. A-barcode reader device;

4. A fingerprint reader device;

5. An I/R(infra-red) wireless printer of P/C interface (standard protocols);

6. A T-DES or AES type approved encryption module consisting of an ASIC part configured to receive input data unencrypted and output data in an NSA certified encryption standard, with internal pseudo random key generation encapsulated in a hardened epoxy resin.

2. I claim, all of the components in claim 1 above, with the exception that the plug-in module is tethered on a cable, which plugs into the external data port of the standard off the shelf hand-held cellular phone, and the module is glued, velcroved, or otherwise temporarily affixed to the side or back of the cellular phone, and can be removed at anytime by simply unplugging the cale and peeling off the card slot module from the velcrove adhesive.

The said module connects to a credit card processing center, a retail sales organization, a bill payment center, or an Internet sales organization, to effect purchases, pay bills, settle accounts and effect secure transmissions for financial transactions via a secure Internet portal, either via the Internet or via a private network. The secure session is accomplished by an IP session, dial-up session, or cellular overhead signaling and Messaging session.