Patent ID: 8341083

Claim:
A micro SecureDigital (microSD) payment card, comprising: a physical interface configured to connect to a slot of a mobile host device, wherein the slot of the mobile device is configured to receive microSD cards; a communication module that wirelessly receives Radio Frequency (RF) signals directly from and transmits RF signals directly to a retail terminal; secure memory that stores user credentials and a payment application used to execute financial transactions with the retail terminal, the user credentials and the payment application associated with a financial institution; a user-interface module that presents and receives information through a Graphical User Interface (GUI) of the mobile host device; a processing module that executes the payment application using the user credentials in response to at least a transaction request received by the communication module and transmits at least one transaction response to the retail terminal based, at least in part, on the executed payment application; a card module that communicates with the financial institution through a cellular core network using cellular radio technology of the mobile device, wherein the cellular core technology of the mobile device is configured to wirelessly communicate with the cellular core network; and wherein the microSD payment card comprises a microSD card insertable into the microSD slot of the mobile host device.