System and method for conveying card data using matrix bar codes
AssigneeRoam Data Inc
InventorsSriram Seetharam, Scott Goldthwaite, Christopher Rotsaert
Life of this patent
Estimating the term…
Abstract
User credit card data or smart chip data or Near Field Communication data is easily transferred from a card reader to a host device via a matrix bar code such as a Quick Response (QR) code. Data transfer is performed by converting the card data into matrix bar code and allowing the host device to take an image and process the image to obtain the card data. Card reader will convert magnetic signal/smart chip/NFC data into machine readable form and then convert it into matrix bar code to be consumed by a device that is capable of capturing the matrix bar code. The card reader has the ability to encrypt the data before converting it into a matrix bar code.
Claims29
A system for conveying and processing card data for a financial transaction associated with a presented financial transaction card, the system comprising:
- a) a card processing device comprising a card data input including at least one of a magnetic read head configured to read card data from a magnetic strip of the presented financial transaction card, a smart chip reader configured to read card data from a smart chip of the presented financial transaction card, or a near-field communications reader configured to read card data from a near-field communications presented financial transaction card, the card processing device configured to obtain card data from the presented financial transaction card from the card data input, assemble data to be conveyed for the financial transaction including at least a portion of the card data, produce a matrix bar code encoding the assembled data, and display the matrix bar code on a display screen of the card processing device, wherein the matrix bar code encodes at least a portion of the card data;
- and
- b) an image capturing device configured to capture a digital image of the matrix bar code from the display screen of the card processing device and to process the digital image of the matrix bar code for the financial transaction.
A card processing device for conveying card data for a financial transaction associated with a presented financial transaction card, the card processing device comprising:
- a) a card data input including at least one of a magnetic read head configured to read card data from a magnetic strip of the presented financial transaction card, a smart chip reader configured to read card data from a smart chip of the presented financial transaction card, or a near-field communications reader configured to read card data from a near-field communications presented financial transaction card;
- b) a display screen;
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- c) a processor configured to obtain card data from the presented financial transaction card from the card data input, assemble data to be conveyed for the financial transaction including at least a portion of the card data, produce a matrix bar code encoding the assembled data, and display the matrix bar code on the display screen, wherein the matrix bar code encodes at least a portion of the card data.
A system for conveying and processing card data for a financial transaction associated with a presented financial transaction card, the system comprising:
- a) a card processing device comprising a card data input including at least one of a magnetic read head configured to read card data from a magnetic strip of the presented financial transaction card, a smart chip reader configured to read card data from a smart chip of the presented financial transaction card, or a near-field communications reader configured to read card data from a near-field communications presented financial transaction card, the card processing device configured to obtain card data from the presented financial transaction card from the card data input, produce a matrix bar code based on the card data, and display the matrix bar code on a display screen of the card processing device, wherein the matrix bar code is a token that substitutes for the card data;
- and
- b) an image capturing device configured to capture a digital image of the matrix bar code from the display screen of the card processing device and to process the digital image of the matrix bar code for the financial transaction.
Dependencies are inferred from the claim text.