Portable e-wallet and universal card

• US 9,218,557 B2
• Filed: 09/28/2012
• Issued: 12/22/2015
• 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, O'Neill, Joseph A.
• Primary Examiner(s): Kazimi, Hani M
• Assistant Examiner(s): Ali, Hatem M
• Application Number:
  US13/630,248
• Publication Number:
  US 20130024372A1
• Time in Patent Office: 1,180 Days
• Field of Search: 705/41
• US Class Current: 1/1
• CPC Class Codes: G06K 19/06187 with magnetically detectable marking
• 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 19/0723 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: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• 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 20/353 Payments by cards read by M-devices
• 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 20/363 with the personal data of a user
• 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

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 using a universal card in a proxy card transaction, the method comprising:

receiving, by a computing device, a request to use a universal card as a proxy card and a selection of a selected account, wherein the computing device comprises a first processor, a first memory, a first power source, a first user interface, a first short range transceiver, and an e-wallet application executable by the first processor; and

wherein the universal card comprises a second power source, a second processor, a second memory, a second short range transceiver, a dynamic data communication mechanism including a dynamic magnetic stripe, and a secure element;

generating, by the computing device, proxy card data comprising an indication of the proxy card and an indication of the selected account;

transmitting, from the computing device to a proxy card server, the proxy card data;

transmitting, from the computing device to the universal card using the first and second short range transceivers, the proxy card data; and

emulating a static data communication mechanism of a proxy card by configuring the dynamic data communication mechanism of the universal card using at least a portion of data stored in the secure element;

wherein the static data communication mechanism of the proxy card is emulated by writing data indicative of the proxy card to one or more required fields of the dynamic magnetic stripe and by writing an indication of the selected account to one or more discretionary data field of the dynamic magnetic stripe; and

wherein the dynamic data communication mechanism of the universal card passes data indicative of the proxy card and the selected account to a terminal during a transaction with the terminal.

2. The method of claim 1, further comprising:

receiving, by the computing device from the proxy card server, an acknowledgment that the proxy card server received the proxy card data;

wherein the computing device is configured to send the proxy card data to the universal card in response to receiving the acknowledgment.

3. The method of claim 1, further comprising:

determining that the computing device did not receive an acknowledgement from the proxy card server; and

prompting a user for a security code;

wherein transmitting the proxy card data to the universal card comprises transmitting the proxy card data and the security code to the universal card.

4. The method of claim 1, wherein the universal card is further configured to configure the dynamic data communication mechanism of the universal card to emulate a static data communication mechanism of a proxy card by writing an indication of a security code to the one or more discretionary data field of the dynamic magnetic stripe.

5. The method of claim 1, wherein the dynamic data communication mechanism further comprises one or more of a near field communication mechanism, a radio frequency identification communication mechanism, or an EMV communication mechanism.

6. A non-transitory computer readable medium having instructions embodied thereon for initiating a proxy card transaction, the instructions, when executed by a computing device, cause the computing device to:

receive, by the computing device, a request to use a universal card as a proxy card and a selection of a selected account, wherein the computing device comprises a first processor, a first memory, a first power source, a first user interface, a first short range transceiver, and an e-wallet application executable by the first processor; and

wherein the universal card comprises a second power source, a second processor, a second memory, a second short range transceiver, a dynamic data communication mechanism including a dynamic magnetic stripe, and a secure element;

generate, by the computing device, proxy card data comprising an indication of the proxy card and an indication of the selected account;

transmit, from the computing device to a proxy card server, the proxy card data;

transmit, from the computing device to the universal card using the first and second short range transceivers, the proxy card data; and

emulate a static data communication mechanism of a proxy card by configuring the dynamic data communication mechanism of the universal card using at least a portion of data stored in the secure element;

wherein the static data communication mechanism of the proxy card is emulated by writing data indicative of the proxy card to one or more required fields of the dynamic magnetic stripe and by writing an indication of the selected account to one or more discretionary data field of the dynamic magnetic stripe; and

wherein the dynamic data communication mechanism of the universal card passes data indicative of the proxy card and the selected account to a terminal during a transaction with the terminal.

7. The non-transitory computer readable medium of claim 6, the instructions further comprising instructions to cause the computing device to:

receive, by the computing device from the proxy card server, an acknowledgment that the proxy card server received the proxy card data;

wherein the computing device transmits the proxy card data to the universal card in response to receiving the acknowledgment.

8. The non-transitory computer readable medium of claim 6, the instructions further comprising instructions to cause the computing device to:

determine that the computing device did not receive an acknowledgement from the proxy card server; and

prompt a user for a security code;

wherein the instructions further cause the computing device to transmit the proxy card data and the security code to the universal card.

9. The non-transitory computer readable medium of claim 6, wherein the static data communication mechanism of the proxy card is emulated by writing an indication of a security code to the one or more discretionary data field of the dynamic magnetic stripe.

10. The non-transitory computer readable medium of claim 6, wherein the dynamic data communication mechanism further comprises one or more of a near field communication mechanism, a radio frequency identification communication mechanism, or an EMV communication mechanism.

11. A computing device comprising:

a short range transceiver;

an user interface; and

a computer readable medium having instructions embodied thereon that, when executed by the computing device, cause the computing device to;

receive, via the user interface, a request to use a universal card as a proxy card and a selection of a selected account,

generate proxy card data comprising an indication of the proxy card and an indication of the selected account,

transmit, to a proxy card server, the proxy card data, and

transmit, to the universal card via the short range transceiver, the proxy card data, wherein the universal card comprises a dynamic data communication mechanism and a secure element, and wherein the dynamic data communication mechanism of the universal card emulates a static data communication mechanism of a proxy card using at least a portion of data stored in the secure element;

wherein the dynamic data communication mechanism of the universal card passes data indicative of the proxy card and the selected account to a terminal during a transaction with the terminal.

12. The computing device of claim 11, the instructions further comprising instructions that, when executed by the computing device, cause the computing device to:

receive, from the proxy card server, an acknowledgment that the proxy card server received the proxy card data;

wherein the computing device is configured to transmit the proxy card data to the universal card in response to receiving the acknowledgment.

13. The computing device of claim 11, the instructions further comprising instructions that, when executed by the computing device, cause the computing device to:

determine that the computing device did not receive an acknowledgement from the proxy card server; and

prompt a user for a security code;

wherein the instructions to transmit the proxy card data to the universal card comprise instructions to transmit the proxy card data and the security code to the universal card.

14. The computing device of claim 11, wherein the dynamic data communication mechanism comprises a dynamic magnetic stripe.

15. The computing device of claim 14, wherein the universal card is configured to configure a dynamic data communication mechanism of the universal card to emulate a static data communication mechanism of a proxy card by writing data indicative of the proxy card to one or more required fields of the dynamic magnetic stripe and by writing an indication of the selected account to one or more discretionary data field of the dynamic magnetic stripe.

16. The computing device of claim 15, wherein the universal card is further configured to configure a dynamic data communication mechanism of the universal card to emulate a static data communication mechanism of a proxy card by writing an indication of a security code to the one or more discretionary data field of the dynamic magnetic stripe.

17. The computing device of claim 11, wherein the dynamic data communication mechanism comprises one or more of a near field communication mechanism, a radio frequency identification communication mechanism, or an EMV communication mechanism.

18. A method of disabling a universal card from being used as a proxy card, the method comprising:

receiving, by a proxy card server from a first computing device, a request to disable a universal card from being used as a proxy card, wherein the first computing device comprises a first processor, a first memory, a first power source, a first user interface, a first short range transceiver, and an e-wallet application executable by the first processor; and

wherein the universal card comprises a second power source, a second processor, a second memory, a second short range transceiver, a dynamic data communication mechanism including a dynamic magnetic stripe, and a secure element; and

wherein the dynamic data communication mechanism emulates a static data communication mechanism of a proxy card by writing data indicative of the proxy card to one or more required fields of the dynamic magnetic stripe and by writing an indication of the selected account to one or more discretionary data field of the dynamic magnetic stripe;

receiving, by the proxy card server from a second computing device, a request to authorize a first payment transaction, wherein the request to authorize the first payment transaction comprises data passed from a dynamic data communication mechanism of the universal card to a terminal during the first payment transaction;

determining, by the proxy card server, that the data in the request to authorize the first payment transaction is associated with the universal card; and

transmitting, from the proxy card server to the second computing device, an indication that the first payment transaction is unauthorized.

19. The method of claim 18, wherein the terminal comprises the second computing device.

20. The method of claim 18, wherein a card processing center comprises the second computing device.

21. The method of claim 18, further comprising:

receiving, by the proxy card server from the second computing device, a request to authorize a second payment transaction, wherein the request to authorize the second payment transaction comprises data passed from the first computing device to the terminal during the second payment transaction;

determining, by the proxy card server, that the data in the request to authorize the second payment transaction is not associated with the universal card; and

transmitting, from the proxy card server to the second computing device, an indication that the second payment transaction is authorized.

22. A non-transitory computer readable medium having instructions embodied thereon for disabling a universal card from being used as a proxy card, the instructions, when executed by a proxy card server, cause the proxy card server to:

receive, by the proxy card server from a first computing device, a request to disable a universal card from being used as a proxy card;

wherein the first computing device comprises a first processor, a first memory, a first power source, a first user interface, a first short range transceiver, and an e-wallet application executable by the first processor; and

wherein the universal card comprises a second power source, a second processor, a second memory, a second short range transceiver, a dynamic data communication mechanism including a dynamic magnetic stripe, and a secure element; and

wherein the universal card is configured to configure the dynamic data communication mechanism to emulate a static data communication mechanism of a proxy card by writing data indicative of the proxy card to one or more required fields of the dynamic magnetic stripe and by writing an indication of the selected account to one or more discretionary data field of the dynamic magnetic stripe;

receive, by the proxy card server from a second computing device, a request to authorize a first payment transaction, wherein the request to authorize the first payment transaction comprises data passed from a dynamic data communication mechanism of the universal card to a terminal during the first payment transaction;

determine, by the proxy card server, that the data in the request to authorize the first payment transaction is associated with the universal card; and

transmit, from the proxy card server to the second computing device, an indication that the first payment transaction is unauthorized.

23. The non-transitory computer readable medium of claim 22, wherein the terminal comprises the second computing device.

24. The non-transitory computer readable medium of claim 22, wherein a card processing center comprises the second computing device.

25. The non-transitory computer readable medium of claim 22, the instructions further comprising:

instructions to receive, by the proxy card server from the second computing device, a request to authorize a second payment transaction, wherein the request to authorize the second payment transaction comprises data passed from the first computing device to the terminal during the second payment transaction;

instructions to determine, by the proxy card server, that the data in the request to authorize the second payment transaction is not associated with the universal card; and

instructions to transmit, from the proxy card server to the second computing device, an indication that the second payment transaction is authorized.

26. A computing system comprising:

a communication mechanism configured to communicate with a first computing device and a second computing device via one or more networks; and

a computer readable medium having instructions embodied thereon that, when executed by the computing device, cause the computing device to;

receive, from the first computing device via the communication mechanism, a request to disable a universal card from being used as a proxy card;

receive, from the second computing device via the communication mechanism, a request to authorize a first payment transaction, wherein the request to authorize the first payment transaction comprises data passed from a dynamic data communication mechanism of the universal card to a terminal during the first payment transaction;

determine, by the computing system, that the data in the request to authorize the first payment transaction is associated with the universal card; and

transmit, to the second computing device via the communication mechanism, an indication that the first payment transaction is unauthorized;

wherein the first computing device comprises a first processor, a first memory, a first power source, a first user interface, a first short range transceiver, and an e-wallet application executable by the first processor; and

wherein the universal card comprises a second power source, a second processor, a second memory, a second short range transceiver, a dynamic data communication mechanism including a dynamic magnetic stripe, and a secure element; and

wherein the dynamic data communication mechanism emulates a static data communication mechanism of a proxy card by writing data indicative of the proxy card to one or more required fields of the dynamic magnetic stripe and by writing an indication of the selected account to one or more discretionary data field of the dynamic magnetic stripe.

27. The computing system of claim 26, wherein the terminal comprises the second computing device.

28. The computing system of claim 26, wherein a card processing center comprises the second computing device.

29. The computing system of claim 26, the instructions further comprising instructions that, when executed by the computing device, cause the computing device to:

receive, from the second computing device via the communication mechanism, a request to authorize a second payment transaction, wherein the request to authorize the second payment transaction comprises data passed from the first computing device to the terminal during the second payment transaction;

determine, by the computing system, that the data in the request to authorize the second payment transaction is not associated with the universal card; and

transmit, to the second computing device via the communication mechanism, an indication that the second payment transaction is authorized.