Wireless devices for storing a financial account card and methods for storing card data in a wireless device
AssigneeCapital One Financial Corporation
InventorGregory M. Gannon
Life of this patent
Estimating the term…
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.
Claims30
A method for enabling a wireless device to use card data to complete a transaction, the method comprising:
- receiving, by one or more processors, card data associated with a card user;
- storing, by the one or more processors, the card data or encrypted data associated with the card data in a memory associated with the wireless device;
- receiving, by the one or more processors, first biometric identification data of a first entity;
- comparing, by the one or more processors, the received first biometric identification data to user identification data associated with the card user;
- and
- authorizing, based on the comparison and by the one or more processors, transmission of the card data or the encrypted data to complete for the transaction when the user identification data corresponds to the received first biometric data.
A wireless device for using card data to complete during a transaction comprising:
- one or more processors;
- and
- a memory having instructions that when executed by the one or more processors, cause the one or more processors to perform the operations of:
- receiving card data associated with a card user;
- storing the card data or encrypted data associated with the card data in a memory associated with the wireless device;
- receiving first biometric identification data of a first entity;
- comparing the received first biometric identification data to user identification data associated with the card user;
- and
- authorizing, based on the comparison, transmission of the card data or the encrypted data to complete the transaction when the user identification data corresponds to the received first biometric data.
A non-transitory computer readable medium storing instructions that, when executed by one or more processors, causes the one or more processors to perform operations comprising:
- receiving card data associated with a card user;
- storing the card data or encrypted data associated with the card data in a memory associated with a computing device;
- receiving first biometric identification data of a first entity;
- comparing the received first biometric identification data to user identification data associated with the card user;
- and
- authorizing, based on the comparison, transmission of the card data or the encrypted data to complete a transaction, when the user identification data corresponds to the received first biometric data.
Dependencies are inferred from the claim text.