Patent ID: 8498936

Claim:
A method for establishing account information into a device comprising: (a) storing one or more user account information on a device, wherein the device includes a unique identification number stored thereon and known to a card issuer; (b) encoding user account information onto a memory of a card using said device; (c) receiving by the card issuer, a request from a user for a new card or to make changes to an existing card; (d) sending by the card issuer, an encrypted new account information to the device using the unique identification number of the device, wherein only the device with the unique identification number is configured to decrypt the new account information; (e) decrypting the encrypted new account information using the unique device identification number, and storing the account information to an account database on a memory of the device; (f) selecting an account from the account database on the memory of the device and writing the selected account information onto the memory of the card; and (g) using the card with the selected account information to complete a next transaction.