Wireless devices for storing a financial account card and methods for storing card data in a wireless device

Patent metadata

Field	Value
Publication number	US-2016189141-A1
Application number	US-201615063811-A
Country	US
Kind code	A1
Filing date	Mar 8, 2016
Priority date	Sep 15, 2005
Publication date	Jun 30, 2016
Grant date	—

Abstract

A wireless device is enabled to receive a financial account card that is inserted into a card slot of the wireless device. The wireless device reads card data from the financial account card when it is inserted into the slot and programs an RFID (radio frequency identification) tag or a memory included in the wireless device. The wireless device may then be used to provide payment by transmitting the card data via radio frequency to a nearby RFID reader using the RFID tag. The financial account card may also be ejected from the wireless device and swiped by a magnetic card reader.

First claim

1 . A method for enabling a wireless device to use card data during a purchase transaction, the method comprising:
receiving a financial account card into a slot of the wireless device, wherein the financial account card is stored inside of the wireless device; scanning, by a scanner included in the wireless device, a magnetic stripe on the financial account card when the financial account card is inserted into the slot; reading, from the magnetic stripe, card data; and enabling the wireless device to use the card data during the purchase transaction.

2 . The method of claim 1 , further comprising:
storing the card data in a memory included in the wireless device.

3 . The method of claim 1 , further comprising:
writing the card data to an RFID tag included in the wireless device.

4 . The method of claim 1 , further comprising:
transmitting the card data from the wireless device to an RFID reader via radio frequency.

5 . The method of claim 1 , wherein the card data includes an account number and an expiration data.

6 . The method of claim 1 , wherein the card is a credit card, a debit card, a smart card, or an ATM card.

7 . The method of claim 1 , wherein the card is a mini card.

8 . The method of claim 1 , wherein the wireless device is a cellular phone, a PDA, or a handheld device.

9 . A wireless device, the wireless device comprising:
a processor; an RFID chip; and a slot for receiving a financial account card, wherein the financial account card may be stored inside of the wireless device, wherein the processor communicates card data from the financial account card to the RFID chip.

10 . The wireless device of claim 9 , further comprising:
a magnetic stripe reader for reading a magnetic stripe on the financial account card when the financial account card is inserted into the slot.

11 . The wireless device of claim 10 , further comprising:
a memory for storing card data that is read from the magnetic stripe.

12 . The wireless device of claim 11 , further comprising:
a display, the display showing a menu of one or more financial account cards having card data stored in the memory.

13 . The wireless device of claim 11 , further comprising:
a transmitter, wherein the transmitter transmits the card data via radio frequency to an RFID reader.

14 . The wireless device of claim 9 , wherein the stored card data includes an account number and an expiration data.

15 . The wireless device claim 9 , wherein the wireless device may read a credit card, a debit card, a smart card, or an ATM card.

16 . The wireless device of claim 9 , wherein the wireless device may read a mini card.

17 . The wireless device of claim 9 , wherein the wireless device is a cellular phone, a PDA, or a handheld device.

18 .- 43 . (canceled)

Assignees

• Gannon Gregory M
• Capital One Financial Corp

Inventors

• Gannon Gregory M

Classifications

• G06K19/08

  using markings of different kinds {or more than one marking of the same kind} in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means · CPC title

• G07C9/26

  using a biometric sensor integrated in the pass · CPC title

• G06Q20/353 Primary

  Payments by cards read by M-devices · CPC title

• G06Q20/227

  characterised in that multiple accounts are available, e.g. to the payer · CPC title

• G06Q20/3278

  RFID or NFC payments by means of M-devices · CPC title