Portable E-wallet and universal card

摘要

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.

主权项

1. A method of handling EMV (Europay, MasterCard and Visa) card data, the method comprising:
receiving, by a computing device, EMV card data in an encrypted format; transmitting, from the computing device to a universal card, the EMV card data in the encrypted format, wherein the universal card comprises a secure element which is configured to decrypt the EMV card data, and wherein the universal card is configured to store the decrypted EMV card data in the secure element; receiving, by the computing device from the universal card, non-secure EMV card data; storing, in the computing device, the non-secure EMV card data, wherein the computing device comprises an e-wallet application, the e-wallet application permitting a user selection of an EMV card based on an identification of at least a portion of the non-secure EMV card data; sending, from the computing device to the universal card, an indication of the selected card, wherein the universal card is configured to configure a dynamic EMV chip of the universal card; and emulating a static EMV chip of the selected card using at least a portion of the decrypted EMV card data stored in the secure element of the universal card.