System and method for a secure cardholder load and storage device

摘要

A system for a secure cardholder and storage device includes a mobile communication device and a secure card transporter (SCT). The SCT includes a Near Field Communication (NFC) chip, a microprocessor, a magnetic stripe card reader, a contact chip card reader, a contactless card reader, an audio jack interface and a micro-USB interface. The SCT interfaces with the mobile communication device via the audio jack interface or the micro-USB interface, and the SCT captures payment card data and transmits the captured payment card data to a merchant point of sale (POS) checkout system both in the physical and virtual environments. The system provides convenient buying experience for buyers, and secure and informative transaction for sellers.

主权项

1. A system for a secure cardholder and storage device comprising:
a mobile communication device that comprises a mobile wallet application; a secure card transporter (SCT) comprising:
a Near Field Communication (NFC) chip;a microprocessor;a magnetic stripe card reader;a contact chip card reader;a contactless card reader;an audio jack interface; anda micro-USB interface; wherein the SCT interfaces with the mobile communication device by either one of the audio jack interface or the micro-USB interface, and wherein the mobile wallet application initializes and unlocks the SCT; and wherein the SCT captures payment card data and transmits the captured payment card data to a merchant point of sale (POS) checkout system.