Patent ID: 9195926
Filing Date: 2015-11-24
Classification: G06K,G06Q,G07F

Abstract:
1. A method of providing card data to a universal card for emulating a card for interacting with a terminal, wherein a transaction between the card and the terminal results in the card passing card data to the terminal, the method comprising: receiving, by a mobile computing device, card data sent by a computing device associated with a provider of card data, wherein the computing device associated with the provider of card data is configured to send the card data in response to receiving a request that the card data be sent to the mobile computing device; establishing, by the mobile computing device, a short range wireless communication link with a universal card associated with the mobile computing device, wherein the universal card is configured to determine whether the mobile computing device is authorized to communicate with the universal card in response to a connection with the mobile computing device via the short range wireless communication link, wherein the universal card is configured to permit communication between the mobile computing device and the universal card only if the mobile computing device is authorized to communicate with the universal card; delivering, via the short range wireless communication link, the card data from the mobile computing device to the universal card, wherein the universal card comprises a secure element configured to store the card data in accordance with a pre-established level of security; and sending, from the mobile computing device to the universal card via the short range wireless communication link, a request for the universal card to emulate a static communication mechanism of the card for a period of time, wherein a dynamic communication mechanism of the universal card emulates the static communication mechanism of the card for the period of time using the card data stored in the secure element.