Patent ID: 7828207

Claim:
A universal credit card apparatus for providing and receiving account data including account information from a host system comprising: a carrier having a planar surface said carrier supporting the components of the apparatus; at least one memory device, chosen from the group consisting of volatile memory and nonvolatile memory, affixed to said carrier, for storing account data including account information for at least one account; an emitter device, affixed to said carrier, programmed with account identifier information for wirelessly transmitting account identifying information to said host system; wherein the emitter device is configured to identify a user selected account to the host system; a receiver device, affixed to said carrier, for receiving account data including account information from said host system; a display device, affixed to said carrier, for selectively displaying account information; a control circuit, affixed to said carrier, coupled to said memory, to said display device and to said receiver device and which is operable to store account data including account information received by said receiver device from the host system into said memory and to cause said account information stored in said memory to appear on said display device; a power source, affixed to said carrier, and coupled to at least one of said memory, said receiver device, said display device and said control circuit.