US20110062235A1 - Card reader device for a cell phone and method of use - Google Patents

Card reader device for a cell phone and method of use Download PDF

Info

Publication number
US20110062235A1
US20110062235A1 US12/807,064 US80706410A US2011062235A1 US 20110062235 A1 US20110062235 A1 US 20110062235A1 US 80706410 A US80706410 A US 80706410A US 2011062235 A1 US2011062235 A1 US 2011062235A1
Authority
US
United States
Prior art keywords
magnetic stripe
card
reader device
card reader
cell phone
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Granted
Application number
US12/807,064
Other versions
US7918394B1 (en
Inventor
Robert E. Morley, Jr.
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Family has litigation
First worldwide family litigation filed litigation Critical https://patents.darts-ip.com/?family=42130206&utm_source=google_patent&utm_medium=platform_link&utm_campaign=public_patent_search&patent=US20110062235(A1) "Global patent litigation dataset” by Darts-ip is licensed under a Creative Commons Attribution 4.0 International License.
Application filed by Individual filed Critical Individual
Priority to US12/807,064 priority Critical patent/US7918394B1/en
Publication of US20110062235A1 publication Critical patent/US20110062235A1/en
Priority to US13/065,931 priority patent/US8584946B2/en
Application granted granted Critical
Publication of US7918394B1 publication Critical patent/US7918394B1/en
Priority to US14/083,315 priority patent/US20140076964A1/en
Priority to US14/444,608 priority patent/US20140332588A1/en
Expired - Fee Related legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Images

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06KGRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/08Methods or arrangements for sensing record carriers, e.g. for reading patterns by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
    • G06K7/082Methods or arrangements for sensing record carriers, e.g. for reading patterns by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes using inductive or magnetic sensors
    • G06K7/083Methods or arrangements for sensing record carriers, e.g. for reading patterns by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes using inductive or magnetic sensors inductive
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06KGRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/08Methods or arrangements for sensing record carriers, e.g. for reading patterns by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
    • G06K7/082Methods or arrangements for sensing record carriers, e.g. for reading patterns by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes using inductive or magnetic sensors
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/347Passive cards
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M2250/00Details of telephonic subscriber devices
    • H04M2250/14Details of telephonic subscriber devices including a card reading device

Definitions

  • This disclosure relates to a card reader device for use with a cellular phone for reading a magnetic stripe card and more particularly to a portable card reader device which senses the magnetically recorded information stored on a magnetic stripe card and conveys this sensed information via an analog waveform to a cell phone for further processing.
  • Plastic cards having a magnetic stripe embedded on one side of the card are prevalent in every day commerce. These cards are used in various transactions such as to pay for purchases by using a credit card, a debit card, or a gasoline charge card. A charge card or a debit card may also be used to transact business with a bank through use of an automated teller machine (ATM).
  • ATM automated teller machine
  • the magnetic stripe card is capable of storing data by modifying the magnetism of magnetic particles embedded in the stripe. The data stored on the magnetic stripe may be sensed or read by swiping the stripe past a read head. The analog waveform obtained by sensing the magnetic stripe must undergo a process known as decoding to obtain the digital information stored in the magnetic stripe of the card.
  • Conventional magnetic stripe card readers are comprised of both relatively simple sensing components as well as the more costly and complex decoding and communication components.
  • the magnetic stripe contains up to three tracks of digital data with each track being 0.110 inches wide. Tracks one and three are typically recorded at 210 bits per inch, while track two typically has a recording density of 75 bits per inch. Each track can either contain 7-bit alphanumeric characters, or 5-bit numeric characters. Track one standards were created by the airlines industry, the International Air Transport Association. Track one can contain information reserved for the bank that issued the card and magnetically encoded data like the primary account number, the user's name, a country code, an expiration date for the card, and 79 characters of discretionary data, all mixed in with separators and other specialized computer characters.
  • the second track is in a format defined by the American Bankers Association.
  • the second track can contain the primary account number, the country code, the card's expiration date, 40 characters of discretionary data, and separator characters.
  • the third track is in a format called THRIFT and was originally intended for use with ATMs. Unlike tracks one and two, which are read only tracks, the third track was intended for read and write applications. However, for the most part, the third track is hardly ever used. Further, the International Organization for Standardization (ISO), an international-standard setting body, has a set of standards for describing the physical dimensions and recording technique on identification cards which are known as ISO 7810 and 7811.
  • Magnetic stripe cards having these standard specifications can typically be read by point-of-sale devices at a merchant's location.
  • the reader When the card is swiped through an electronic card reader at the checkout counter at a merchant's store, the reader will usually use its built-in modem to dial the number of a company that handles credit authentication requests. Once the account is verified and an approval signal will be sent back to the merchant to complete a transaction.
  • magnetic stripe cards are universally used by merchants there is no way for an individual to take advantage of the card to receive a payment from another individual (who is not a merchant) by swiping the card through a simple reader attached to his cell phone. For example, one individual may owe another person money for a debt, but one way to pay the debt is to provide cash or a check. It would be convenient to be able to use a credit card or a debit card to pay off the debt. In addition, it is advantageous for an individual to make payment to another individual or merchant by swiping his magnetic stripe card through a reader connected to a cell phone. However, there is presently no way for an individual to send payment to an individual or merchant through the use of a magnetic stripe card by using a simple magnetic stripe card reader connected to a cell phone.
  • a simple card reader device that would allow an individual to receive or send payment through the use of a magnetic stripe card. It is also desirable to provide a simple portable card reader device that can be connected to a cell phone with the cell phone providing the decoding function for the sensed magnetic stripe information as well as acting as a point-of-sale device.
  • the cell phone can have an application programmed therein to decode data contained on a magnetic stripe to submit the card data to a company or a third party that handles credit authentication requests.
  • a card reader device for reading a card having data stored on a magnetic stripe incorporated into the card
  • the card reader device comprises a read head for passing a magnetic stripe of a card by to read data stored on a magnetic stripe and for producing a signal indicative of data stored on a magnetic stripe, a signal setting device for setting an amplitude of the signal indicative of data stored on a magnetic stripe, and an output jack adapted to be inserted into a microphone input associated with a cell phone for providing the signal indicative of data stored on a magnetic stripe to a cell phone, wherein application software resident on the cell phone directs the processor of the cell phone to decode the signal provided to the microphone input to produce the digital data stored on the card.
  • a card reader device for reading a card having data stored on a magnetic stripe incorporated into the card in which the device comprises a read head for passing a magnetic stripe of a card by to read data stored on a magnetic stripe and for producing a signal indicative of data stored on a magnetic stripe, an amplifier for amplifying the signal indicative of data stored on a magnetic stripe, and an output jack adapted to be inserted into an input associated with a cell phone for providing the signal indicative of data stored on a magnetic stripe to a cell phone, wherein application software resident on the cell phone directs the processor of the cell phone to decode the signal provided to the audio or line input to produce the digital data stored on the card.
  • a method for reading a card having data stored on a magnetic stripe incorporated into the card comprises the steps of providing a card reader device comprising a read head for passing a magnetic stripe of a card by to read data stored on a magnetic stripe and for producing a signal indicative of data stored on a magnetic stripe, a signal setting device for setting an amplitude of the signal indicative of data stored on a magnetic stripe, an output jack adapted to be inserted into a microphone input associated with a cell phone for providing the signal indicative of data stored on a magnetic stripe to a cell phone, passing a card having data stored on a magnetic stripe incorporated into the card by the card reader device, and providing the signal indicative of data stored on a magnetic stripe to a cell phone for processing by circuitry contained in a cell phone.
  • a principal object of the present disclosure is to provide a card reader device comprised of a very simple external device to be used in conjunction with a cell phone with application software provided to perform the decoding function.
  • a further object of the present disclosure is to provide a card reader device that can read and decode data stored on a magnetic stripe card by sensing the recorded data waveform and transmitting the data waveform to a cell phone where it is decoded with built in circuitry and application software provided.
  • Another object of the present disclosure is to provide a card reader device that can read one or more tracks of data stored on a magnetic stripe card.
  • a further object of the present disclosure is to provide a card reader device that is of simple construction and design and which can be easily employed with highly reliable results.
  • a still further object of the present disclosure is to provide a card reader device that can be easily carried or stored.
  • Another object of the present disclosure is to provide a card reader device that does not require any source of power.
  • Another object of the present disclosure is to provide a card reader device that may be constructed in various shapes, designs, or forms.
  • a still further object of the present disclosure is to provide a card reader device that can amplify data read from a magnetic stripe card.
  • an amplifier resident in a card reader device may require power which may be provided by a cell phone.
  • Another object of the present disclosure is to provide a card reader device that can operate with existing magnetic stripe cards.
  • Yet still another object of the present disclosure is to provide a card reader device that can provide a signal indicative of data stored in a magnetic stripe and application software to a cell phone for the cell phone to decode the signal indicative of data stored in a magnetic stripe to be processed to transact commerce.
  • FIG. 1 is a side perspective view of a card reader device constructed according to the present disclosure
  • FIG. 2 is a schematic diagram of a card reader device constructed according to the present disclosure
  • FIG. 3 is a schematic diagram of another embodiment of a card reader device constructed according to the present disclosure.
  • FIG. 4 is a flowchart of a method of operation of a card reader device constructed according to the present disclosure.
  • FIG. 5 is a perspective view of a card reader device constructed according to the present disclosure.
  • the card reader device 10 is shown to comprise a housing 12 having a slot 14 and an output jack 16 extending out from the housing 12 .
  • the jack 16 is adapted to be inserted into a socket 18 such as a microphone input or a line in audio input of a cell phone 20 .
  • the jack 16 may be a TRS (tip, ring, sleeve) connector also known as an audio jack, phone plug, jack plug, stereo plug, mini-jack, or mini-stereo audio connector.
  • the jack 16 may be formed of different sizes such as miniaturized versions that are 3.5 mm or 2.5 mm. It is also possible and contemplated that the jack 16 may be retractable within the housing 12 .
  • the slot 14 is wide enough and deep enough to accept a card having a magnetic stripe. In particular, the slot 14 is deep enough that the magnetic stripe will fit within the slot 14 .
  • the slot 14 also has a length that is less than the length of the card to be inserted into the slot 14 . However, it is also possible and contemplated that the slot 14 may have other lengths if desired, for a given application.
  • the housing 12 may take on different shapes and sizes, as will be discussed further herein.
  • FIG. 2 illustrates a schematic diagram of the card reader device 10 .
  • the card reader device 10 comprises a read head 22 , such as an inductive pickup head, having a coil 24 connected to a signal amplitude setting device 26 such as a resistor which is connected to the jack 16 .
  • a lead 28 connects the jack 16 to the coil 24 to complete the circuit.
  • a card 30 such as a credit card, has a magnetic stripe 32 associated with the card 30 . As has been previously discussed, the magnetic stripe 32 may have three tracks with each of the tracks containing data.
  • the card reader device 10 is capable of reading one track, usually track two, when the device 10 is connected to the microphone input of the cell phone 20 .
  • the read head 22 reads data or information stored in the magnetic stripe 32 .
  • the card 30 is inserted into the slot 14 in the housing 12 and the card 30 is swiped or passed by the read head 22 .
  • Data stored in the magnetic stripe 32 may be in the form of magnetic transitions as described in the ISO 7811 standards.
  • magnetic transitions representing data induce a voltage in the coil 24 .
  • a voltage signal or waveform produced by the coil 24 is provided to the resistor 26 with the resistor setting the amplitude of the waveform. This waveform is sent via the jack 16 into the microphone input socket 18 of the cell phone 20 .
  • a pair of wires 34 and 36 connect the socket 18 to an amplifier 38 .
  • the amplifier 38 amplifies the waveform received from the card reader device 10 .
  • the amplified waveform is provided to an analog to digital converter device (ADC) 40 where the waveform in analog form is converted into digital samples of the analog waveform.
  • ADC analog to digital converter device
  • the digital samples are sent to a microprocessor 42 for further processing, as will be explained.
  • the cell phone 20 may also include such components as memory including flash ROM, SRAM, a camera, a battery, LCD driver, a display, an antenna, a speaker, a Bluetooth circuit, and WIFI circuitry.
  • the flash ROM may contain programs, applications, and/or an operating system for the cell phone 20 .
  • the card reader device 10 is capable of being connected to the cell phone 20 for providing data stored in the magnetic stripe 32 of a card 30 . Once connected any magnetic stripe 32 that is swiped in the slot 14 is read by the read head 22 .
  • the magnetic read head 22 generates an analog waveform that results from changes in magnetization along the stripe 32 relative to the movement between the read head 22 and the stripe 32 .
  • the resistor 26 sets the amplitude of this signal and this signal is provided to the cell phone 20 .
  • This signal is then amplified by the amplifier 38 contained in the cell phone 20 .
  • the ADC 40 of the cell phone 20 samples the amplified analog waveform at a given sampling rate and generates a stream of digital values or samples.
  • the processor 42 can in turn provide information to a host system such as a third party or a company that handles credit authentication requests.
  • the processor 42 can communicate with the host system via the cell phone network, WIFI, Bluetooth or any other mode available to it.
  • the host system may also send a signal to the cell phone 20 to indicate that the transaction has been completed.
  • the processor 42 may be controlled by a program or an application stored in memory or in a program storage area.
  • the program or application can be programmed to decode digital samples received from the ADC 40 and use the decoded signals to contact a third party for authorizing a transaction. In this manner, a payment from the cardholder's account can be transferred to the cell phone owner's account or allow the cell phone owner to transfer payment to a merchant that accepts credit card transactions.
  • the card reader device 80 comprises a housing 82 having an inductive read head 84 with coil 86 connected to an amplifier 88 which is connected to an output jack 90 .
  • the output jack 90 extends out of the housing 82 and is adapted to be inserted into a line in audio input or a stereo line in input associated with a cell phone (not shown).
  • a wire 92 connects the jack 90 to the coil 86 .
  • a slot is formed in the housing 82 near the coil 86 to allow a card having a magnetic stripe to be passed by the coil 86 . Data or information stored in the magnetic stripe is read by the coil 86 .
  • the coil 86 produces a waveform indicative of data stored in the magnetic stripe and this waveform is provided to the amplifier 86 .
  • the amplified waveform is then transmitted to the cell phone via the jack 88 .
  • the amplified waveform may be provided to an ADC device for converting into digital samples to be processed by a microprocessor in the cell phone. Once processed, the cell phone may contact a third party for processing a transaction in either direction (i.e., to or from the cell phone owner's account).
  • the card reader device 80 Since the card reader device 80 uses the line in audio input of the cell phone, the card reader device 80 is capable of transmitting two tracks from the card being read. As has been previously discussed, a magnetic stripe may have up to three tracks with each of the tracks containing data. For example, the card reader device 80 may read tracks one and two and send these signals to the cell phone as the left and right channels of a stereo signal. However, with the card reader device 80 any two of the three tracks, usually tracks one and two, may be read and decoded when the card reader device 80 is connected to the stereo line in inputs. In some situations or constructions, it is possible that the amplifier 88 may need to be powered. The amplifier 88 may be powered from a power source resident in the cell phone to which the device 80 is connected.
  • FIG. 4 illustrates a flowchart diagram of a method of operation 100 of the card reader device 10 .
  • the method 100 begins operation at a step 102 in which a magnetic stripe card 30 is swiped through the slot 14 .
  • the read head 22 reads data stored in the magnetic stripe 32 and generates an analog signal or waveform indicative of data stored in the magnetic stripe 32 .
  • the waveform then has its amplitude set by the resistor 26 in a step 106 .
  • the set waveform is provided to the cell phone 20 via the output jack 16 through the socket 18 .
  • the amplifier 38 amplifies the set waveform.
  • the waveform is provided to the analog to digital converter device 40 for conversion to a digital signal in a step 112 .
  • An application or a program in the cell phone 20 decodes the digital signal in a next step 114 .
  • the program contacts a third party to authorize a transaction using the decoded signal.
  • the third party either authorizes or denies the transaction in a last step 118 . For example, if the third party authorizes the transaction then money deducted from the account of the cardholder is transferred into an account associated with the cell phone owner or vice versa. In this way, a debt can be collected or paid by use of the card reader device 10 .
  • the card reader devices 10 or 80 may be employed to transact a one-way transaction in which money can be credited to an account.
  • the card reader devices 10 or 80 allow a user to become either a micro-merchant (payee) or a customer (payer) without having to purchase expensive card reader devices or software.
  • the card reader device 150 has a housing 152 that is in the shape of an acorn.
  • the device 150 has a slot 154 that runs along a length or a width of the housing 152 .
  • the slot 154 has a depth that is deep enough to allow a magnetic stripe of a card to pass through the slot 154 .
  • the slot 154 has a length that can be less than the length of a card to be read.
  • the device also has a jack 156 extending out of the housing 152 .
  • the device 150 may contain the components shown in either FIG. 2 or FIG. 3 . In particular, the device 150 may be easily carried and connected to a cell phone when needed. The device 150 is also small enough that it may be easily stored when not in use. Other shapes, sizes, or designs for the card reader devices 10 , 80 , or 150 are possible and contemplated.

Abstract

A card reader device for reading a card having data stored on a magnetic stripe incorporated into the card is disclosed in which the card reader device comprises a read head for passing a magnetic stripe of a card by to read data stored on a magnetic stripe and for producing a signal indicative of data stored on a magnetic stripe, a signal setting device for setting an amplitude of the signal indicative of data stored on a magnetic stripe, and an output jack adapted to be inserted into a microphone input associated with a cell phone for providing the signal indicative of data stored on a magnetic stripe to a cell phone. Data stored on the card and sensed by the card reader device is decoded by components such as a microphone amplifier, an analog to digital converter, and a microprocessor already resident in a cell phone.

Description

    RELATED APPLICATION
  • This application is a continuation application of U.S. patent application Ser. No. 12/456,134, which was filed on Jun. 10, 2009.
  • BACKGROUND
  • This disclosure relates to a card reader device for use with a cellular phone for reading a magnetic stripe card and more particularly to a portable card reader device which senses the magnetically recorded information stored on a magnetic stripe card and conveys this sensed information via an analog waveform to a cell phone for further processing.
  • Plastic cards having a magnetic stripe embedded on one side of the card are prevalent in every day commerce. These cards are used in various transactions such as to pay for purchases by using a credit card, a debit card, or a gasoline charge card. A charge card or a debit card may also be used to transact business with a bank through use of an automated teller machine (ATM). The magnetic stripe card is capable of storing data by modifying the magnetism of magnetic particles embedded in the stripe. The data stored on the magnetic stripe may be sensed or read by swiping the stripe past a read head. The analog waveform obtained by sensing the magnetic stripe must undergo a process known as decoding to obtain the digital information stored in the magnetic stripe of the card. Conventional magnetic stripe card readers are comprised of both relatively simple sensing components as well as the more costly and complex decoding and communication components.
  • It is typical in a magnetic stripe card to locate the magnetic stripe 0.223 inches from an edge of the card with the stripe being 0.375 inches wide. The magnetic stripe contains up to three tracks of digital data with each track being 0.110 inches wide. Tracks one and three are typically recorded at 210 bits per inch, while track two typically has a recording density of 75 bits per inch. Each track can either contain 7-bit alphanumeric characters, or 5-bit numeric characters. Track one standards were created by the airlines industry, the International Air Transport Association. Track one can contain information reserved for the bank that issued the card and magnetically encoded data like the primary account number, the user's name, a country code, an expiration date for the card, and 79 characters of discretionary data, all mixed in with separators and other specialized computer characters. The second track, the track most commonly used, is in a format defined by the American Bankers Association. The second track can contain the primary account number, the country code, the card's expiration date, 40 characters of discretionary data, and separator characters. The third track is in a format called THRIFT and was originally intended for use with ATMs. Unlike tracks one and two, which are read only tracks, the third track was intended for read and write applications. However, for the most part, the third track is hardly ever used. Further, the International Organization for Standardization (ISO), an international-standard setting body, has a set of standards for describing the physical dimensions and recording technique on identification cards which are known as ISO 7810 and 7811.
  • Magnetic stripe cards having these standard specifications can typically be read by point-of-sale devices at a merchant's location. When the card is swiped through an electronic card reader at the checkout counter at a merchant's store, the reader will usually use its built-in modem to dial the number of a company that handles credit authentication requests. Once the account is verified and an approval signal will be sent back to the merchant to complete a transaction.
  • Although magnetic stripe cards are universally used by merchants there is no way for an individual to take advantage of the card to receive a payment from another individual (who is not a merchant) by swiping the card through a simple reader attached to his cell phone. For example, one individual may owe another person money for a debt, but one way to pay the debt is to provide cash or a check. It would be convenient to be able to use a credit card or a debit card to pay off the debt. In addition, it is advantageous for an individual to make payment to another individual or merchant by swiping his magnetic stripe card through a reader connected to a cell phone. However, there is presently no way for an individual to send payment to an individual or merchant through the use of a magnetic stripe card by using a simple magnetic stripe card reader connected to a cell phone.
  • Therefore, it would be desirable to have a simple card reader device that would allow an individual to receive or send payment through the use of a magnetic stripe card. It is also desirable to provide a simple portable card reader device that can be connected to a cell phone with the cell phone providing the decoding function for the sensed magnetic stripe information as well as acting as a point-of-sale device. The cell phone can have an application programmed therein to decode data contained on a magnetic stripe to submit the card data to a company or a third party that handles credit authentication requests.
  • BRIEF SUMMARY
  • In one form of the present disclosure, a card reader device for reading a card having data stored on a magnetic stripe incorporated into the card the card reader device comprises a read head for passing a magnetic stripe of a card by to read data stored on a magnetic stripe and for producing a signal indicative of data stored on a magnetic stripe, a signal setting device for setting an amplitude of the signal indicative of data stored on a magnetic stripe, and an output jack adapted to be inserted into a microphone input associated with a cell phone for providing the signal indicative of data stored on a magnetic stripe to a cell phone, wherein application software resident on the cell phone directs the processor of the cell phone to decode the signal provided to the microphone input to produce the digital data stored on the card.
  • In another form of the present disclosure, a card reader device for reading a card having data stored on a magnetic stripe incorporated into the card in which the device comprises a read head for passing a magnetic stripe of a card by to read data stored on a magnetic stripe and for producing a signal indicative of data stored on a magnetic stripe, an amplifier for amplifying the signal indicative of data stored on a magnetic stripe, and an output jack adapted to be inserted into an input associated with a cell phone for providing the signal indicative of data stored on a magnetic stripe to a cell phone, wherein application software resident on the cell phone directs the processor of the cell phone to decode the signal provided to the audio or line input to produce the digital data stored on the card.
  • In yet another form of the present disclosure, a method for reading a card having data stored on a magnetic stripe incorporated into the card is disclosed in which the method comprises the steps of providing a card reader device comprising a read head for passing a magnetic stripe of a card by to read data stored on a magnetic stripe and for producing a signal indicative of data stored on a magnetic stripe, a signal setting device for setting an amplitude of the signal indicative of data stored on a magnetic stripe, an output jack adapted to be inserted into a microphone input associated with a cell phone for providing the signal indicative of data stored on a magnetic stripe to a cell phone, passing a card having data stored on a magnetic stripe incorporated into the card by the card reader device, and providing the signal indicative of data stored on a magnetic stripe to a cell phone for processing by circuitry contained in a cell phone.
  • In light of the foregoing comments, it will be recognized that a principal object of the present disclosure is to provide a card reader device comprised of a very simple external device to be used in conjunction with a cell phone with application software provided to perform the decoding function.
  • A further object of the present disclosure is to provide a card reader device that can read and decode data stored on a magnetic stripe card by sensing the recorded data waveform and transmitting the data waveform to a cell phone where it is decoded with built in circuitry and application software provided.
  • Another object of the present disclosure is to provide a card reader device that can read one or more tracks of data stored on a magnetic stripe card.
  • A further object of the present disclosure is to provide a card reader device that is of simple construction and design and which can be easily employed with highly reliable results.
  • A still further object of the present disclosure is to provide a card reader device that can be easily carried or stored.
  • Another object of the present disclosure is to provide a card reader device that does not require any source of power.
  • Another object of the present disclosure is to provide a card reader device that may be constructed in various shapes, designs, or forms.
  • A still further object of the present disclosure is to provide a card reader device that can amplify data read from a magnetic stripe card. In some constructions an amplifier resident in a card reader device may require power which may be provided by a cell phone.
  • Another object of the present disclosure is to provide a card reader device that can operate with existing magnetic stripe cards.
  • Yet still another object of the present disclosure is to provide a card reader device that can provide a signal indicative of data stored in a magnetic stripe and application software to a cell phone for the cell phone to decode the signal indicative of data stored in a magnetic stripe to be processed to transact commerce.
  • These and other objects and advantages of the present disclosure will become apparent after considering the following detailed specification in conjunction with the accompanying drawings, wherein:
  • BRIEF DESCRIPTION OF THE DRAWINGS
  • FIG. 1 is a side perspective view of a card reader device constructed according to the present disclosure;
  • FIG. 2 is a schematic diagram of a card reader device constructed according to the present disclosure;
  • FIG. 3 is a schematic diagram of another embodiment of a card reader device constructed according to the present disclosure;
  • FIG. 4 is a flowchart of a method of operation of a card reader device constructed according to the present disclosure; and
  • FIG. 5 is a perspective view of a card reader device constructed according to the present disclosure.
  • DETAILED DESCRIPTION OF PREFERRED EMBODIMENTS
  • Referring now to the drawings, wherein like numbers refer to like items, number 10 identifies a preferred embodiment of a card reader device constructed according to the present disclosure. With reference now to FIG. 1, the card reader device 10 is shown to comprise a housing 12 having a slot 14 and an output jack 16 extending out from the housing 12. The jack 16 is adapted to be inserted into a socket 18 such as a microphone input or a line in audio input of a cell phone 20. The jack 16 may be a TRS (tip, ring, sleeve) connector also known as an audio jack, phone plug, jack plug, stereo plug, mini-jack, or mini-stereo audio connector. The jack 16 may be formed of different sizes such as miniaturized versions that are 3.5 mm or 2.5 mm. It is also possible and contemplated that the jack 16 may be retractable within the housing 12.
  • The slot 14 is wide enough and deep enough to accept a card having a magnetic stripe. In particular, the slot 14 is deep enough that the magnetic stripe will fit within the slot 14. The slot 14 also has a length that is less than the length of the card to be inserted into the slot 14. However, it is also possible and contemplated that the slot 14 may have other lengths if desired, for a given application. The housing 12 may take on different shapes and sizes, as will be discussed further herein.
  • FIG. 2 illustrates a schematic diagram of the card reader device 10. The card reader device 10 comprises a read head 22, such as an inductive pickup head, having a coil 24 connected to a signal amplitude setting device 26 such as a resistor which is connected to the jack 16. A lead 28 connects the jack 16 to the coil 24 to complete the circuit. A card 30, such as a credit card, has a magnetic stripe 32 associated with the card 30. As has been previously discussed, the magnetic stripe 32 may have three tracks with each of the tracks containing data. The card reader device 10 is capable of reading one track, usually track two, when the device 10 is connected to the microphone input of the cell phone 20. As the magnetic stripe 32 of the card 30 is passed by the read head 22 the read head 22 reads data or information stored in the magnetic stripe 32. Although not shown, the card 30 is inserted into the slot 14 in the housing 12 and the card 30 is swiped or passed by the read head 22. Data stored in the magnetic stripe 32 may be in the form of magnetic transitions as described in the ISO 7811 standards. As the card 30 moves past the read head 22, magnetic transitions representing data induce a voltage in the coil 24. A voltage signal or waveform produced by the coil 24 is provided to the resistor 26 with the resistor setting the amplitude of the waveform. This waveform is sent via the jack 16 into the microphone input socket 18 of the cell phone 20. A pair of wires 34 and 36 connect the socket 18 to an amplifier 38. The amplifier 38 amplifies the waveform received from the card reader device 10. The amplified waveform is provided to an analog to digital converter device (ADC) 40 where the waveform in analog form is converted into digital samples of the analog waveform. The digital samples are sent to a microprocessor 42 for further processing, as will be explained. For the sake of clarity and brevity most of the components of the cell phone 20 have not been shown. However, the cell phone 20 may also include such components as memory including flash ROM, SRAM, a camera, a battery, LCD driver, a display, an antenna, a speaker, a Bluetooth circuit, and WIFI circuitry. The flash ROM may contain programs, applications, and/or an operating system for the cell phone 20.
  • The card reader device 10 is capable of being connected to the cell phone 20 for providing data stored in the magnetic stripe 32 of a card 30. Once connected any magnetic stripe 32 that is swiped in the slot 14 is read by the read head 22. The magnetic read head 22 generates an analog waveform that results from changes in magnetization along the stripe 32 relative to the movement between the read head 22 and the stripe 32. The resistor 26 sets the amplitude of this signal and this signal is provided to the cell phone 20. This signal is then amplified by the amplifier 38 contained in the cell phone 20. The ADC 40 of the cell phone 20 samples the amplified analog waveform at a given sampling rate and generates a stream of digital values or samples. These digital samples are processed by the processor 42 that can in turn provide information to a host system such as a third party or a company that handles credit authentication requests. The processor 42 can communicate with the host system via the cell phone network, WIFI, Bluetooth or any other mode available to it. The host system may also send a signal to the cell phone 20 to indicate that the transaction has been completed. The processor 42 may be controlled by a program or an application stored in memory or in a program storage area. The program or application can be programmed to decode digital samples received from the ADC 40 and use the decoded signals to contact a third party for authorizing a transaction. In this manner, a payment from the cardholder's account can be transferred to the cell phone owner's account or allow the cell phone owner to transfer payment to a merchant that accepts credit card transactions.
  • With reference now to FIG. 3, another embodiment of a card reader device 80 is illustrated. The card reader device 80 comprises a housing 82 having an inductive read head 84 with coil 86 connected to an amplifier 88 which is connected to an output jack 90. The output jack 90 extends out of the housing 82 and is adapted to be inserted into a line in audio input or a stereo line in input associated with a cell phone (not shown). A wire 92 connects the jack 90 to the coil 86. Although not shown in this particular drawing, a slot is formed in the housing 82 near the coil 86 to allow a card having a magnetic stripe to be passed by the coil 86. Data or information stored in the magnetic stripe is read by the coil 86. The coil 86 produces a waveform indicative of data stored in the magnetic stripe and this waveform is provided to the amplifier 86. The amplified waveform is then transmitted to the cell phone via the jack 88. The amplified waveform may be provided to an ADC device for converting into digital samples to be processed by a microprocessor in the cell phone. Once processed, the cell phone may contact a third party for processing a transaction in either direction (i.e., to or from the cell phone owner's account).
  • Since the card reader device 80 uses the line in audio input of the cell phone, the card reader device 80 is capable of transmitting two tracks from the card being read. As has been previously discussed, a magnetic stripe may have up to three tracks with each of the tracks containing data. For example, the card reader device 80 may read tracks one and two and send these signals to the cell phone as the left and right channels of a stereo signal. However, with the card reader device 80 any two of the three tracks, usually tracks one and two, may be read and decoded when the card reader device 80 is connected to the stereo line in inputs. In some situations or constructions, it is possible that the amplifier 88 may need to be powered. The amplifier 88 may be powered from a power source resident in the cell phone to which the device 80 is connected.
  • FIG. 4 illustrates a flowchart diagram of a method of operation 100 of the card reader device 10. The method 100 begins operation at a step 102 in which a magnetic stripe card 30 is swiped through the slot 14. In a next step 104, the read head 22 reads data stored in the magnetic stripe 32 and generates an analog signal or waveform indicative of data stored in the magnetic stripe 32. The waveform then has its amplitude set by the resistor 26 in a step 106. Next, in a step 108, the set waveform is provided to the cell phone 20 via the output jack 16 through the socket 18. In a next step 110, the amplifier 38 amplifies the set waveform. The waveform is provided to the analog to digital converter device 40 for conversion to a digital signal in a step 112. An application or a program in the cell phone 20 decodes the digital signal in a next step 114. In a next step 116, the program contacts a third party to authorize a transaction using the decoded signal. The third party either authorizes or denies the transaction in a last step 118. For example, if the third party authorizes the transaction then money deducted from the account of the cardholder is transferred into an account associated with the cell phone owner or vice versa. In this way, a debt can be collected or paid by use of the card reader device 10. Further, the card reader devices 10 or 80 may be employed to transact a one-way transaction in which money can be credited to an account. In essence, the card reader devices 10 or 80 allow a user to become either a micro-merchant (payee) or a customer (payer) without having to purchase expensive card reader devices or software.
  • With particular reference now to FIG. 5, another embodiment of a card reader device 150 is shown. The card reader device 150 has a housing 152 that is in the shape of an acorn. The device 150 has a slot 154 that runs along a length or a width of the housing 152. The slot 154 has a depth that is deep enough to allow a magnetic stripe of a card to pass through the slot 154. The slot 154 has a length that can be less than the length of a card to be read. The device also has a jack 156 extending out of the housing 152. The device 150 may contain the components shown in either FIG. 2 or FIG. 3. In particular, the device 150 may be easily carried and connected to a cell phone when needed. The device 150 is also small enough that it may be easily stored when not in use. Other shapes, sizes, or designs for the card reader devices 10, 80, or 150 are possible and contemplated.
  • From all that has been said, it will be clear that there has thus been shown and described herein a card reader device which fulfills the various objects and advantages sought therefore. It will become apparent to those skilled in the art, however, that many changes, modifications, variations, and other uses and applications of the subject card reader device are possible and contemplated. All changes, modifications, variations, and other uses and applications which do not depart from the spirit and scope of the disclosure are deemed to be covered by the disclosure, which is limited only by the claims which follow.

Claims (20)

What is claimed is:
1. A card reader device for reading a card having data stored on a magnetic stripe incorporated into the card the device comprising:
a read head for passing a magnetic stripe of a card by to read data stored on a magnetic stripe and for producing a signal indicative of data stored on a magnetic stripe; and
an output jack adapted to be inserted into a microphone input associated with a cell phone for providing the signal indicative of data stored on a magnetic stripe to a cell phone.
2. The card reader device of claim 1 wherein the read head is inductive.
3. The card reader device of claim 1 wherein the output jack comprises a 3.5 mm jack.
4. The card reader device of claim 1 wherein the signal indicative of data stored on a magnetic stripe is an analog signal.
5. The card reader device of claim 1 wherein the read head is contained within a housing.
6. The card reader device of claim 5 wherein the output jack extends out of the housing.
7. The card reader device of claim 5 wherein the housing comprises a slot into which a card having a magnetic stripe may be inserted and swiped.
8. The card reader device of claim 1 wherein the output jack comprises a 2.5 mm jack.
9. A portable card reader device for reading a card having magnetically recorded information stored on a magnetic stripe incorporated into the card, the device comprising:
a read head for sensing magnetically recorded information stored on a magnetic stripe incorporated into a card and for producing an analog signal indicative of the magnetically recorded information stored on the magnetic stripe; and
an output jack adapted to be inserted into an input associated with a cell phone for providing the analog signal indicative of the magnetically recorded information stored on the magnetic stripe to a cell phone for further processing.
10. The portable card reader device of claim 9 wherein the read head is inductive.
11. The portable card reader device of claim 9 wherein the read head is contained within a housing.
12. The portable card reader device of claim 11 wherein the housing comprises a slot into which a card having a magnetic stripe may be inserted and swiped.
13. The portable card reader device of claim 11 wherein the output jack extends out of the housing.
14. The portable card reader device of claim 9 wherein the output jack comprises a 3.5 mm jack.
15. The portable card reader device of claim 9 wherein the output jack comprises a 2.5 mm jack.
16. The portable card reader device of claim 9 wherein the input associated with a cell phone is a microphone input.
17. A method for reading a card having data stored on a magnetic stripe incorporated into the card, the method comprising the steps of:
providing a card reader device comprising a read head for passing a magnetic stripe of a card by to read data stored on a magnetic stripe and for producing a signal indicative of data stored on a magnetic stripe, an output jack adapted to be inserted into a microphone input associated with a cell phone for providing the signal indicative of data stored on a magnetic stripe to a cell phone;
passing a card having data stored on a magnetic stripe incorporated into the card by the card reader device; and
providing the signal indicative of data stored on a magnetic stripe to a cell phone for processing by circuitry contained in a cell phone.
18. The method of claim 17 further comprising the step of providing a housing for containing the read head.
19. A method for reading a card having magnetically recorded information stored on a magnetic stripe incorporated into the card, the method comprising the steps of:
providing a portable card reader device comprising read head for sensing magnetically recorded information stored on a magnetic stripe incorporated into a card and for producing an analog signal indicative of the magnetically recorded information stored on the magnetic stripe, and an output jack adapted to be inserted into an input associated with a cell phone for providing the analog signal indicative of the magnetically recorded information stored on the magnetic stripe to a cell phone;
passing a card having magnetically recorded information stored on a magnetic stripe incorporated into the card by the portable card reader device; and
providing the analog signal indicative of the magnetically recorded information stored on a magnetic stripe to a cell phone for further processing by circuitry contained in a cell phone.
20. The method of claim 19 further comprising the step of providing a housing for containing the read head.
US12/807,064 2009-06-10 2010-08-26 Card reader device for a cell phone and method of use Expired - Fee Related US7918394B1 (en)

Priority Applications (4)

Application Number Priority Date Filing Date Title
US12/807,064 US7918394B1 (en) 2009-06-10 2010-08-26 Card reader device for a cell phone and method of use
US13/065,931 US8584946B2 (en) 2009-06-10 2011-04-01 Card reader device for a cell phone and method of use
US14/083,315 US20140076964A1 (en) 2009-06-10 2013-11-18 Card Reader Device Using a Microphone Input of a Headset Jack of a Means for Communicating with a Host System
US14/444,608 US20140332588A1 (en) 2009-06-10 2014-07-28 Card Reader Device for a Cell Phone and Method of Use

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US12/456,134 US7810729B2 (en) 2009-06-10 2009-06-10 Card reader device for a cell phone and method of use
US12/807,064 US7918394B1 (en) 2009-06-10 2010-08-26 Card reader device for a cell phone and method of use

Related Parent Applications (1)

Application Number Title Priority Date Filing Date
US12/456,134 Continuation US7810729B2 (en) 2002-02-05 2009-06-10 Card reader device for a cell phone and method of use

Related Child Applications (1)

Application Number Title Priority Date Filing Date
US13/065,931 Continuation US8584946B2 (en) 2009-06-10 2011-04-01 Card reader device for a cell phone and method of use

Publications (2)

Publication Number Publication Date
US20110062235A1 true US20110062235A1 (en) 2011-03-17
US7918394B1 US7918394B1 (en) 2011-04-05

Family

ID=42130206

Family Applications (5)

Application Number Title Priority Date Filing Date
US12/456,134 Expired - Fee Related US7810729B2 (en) 2002-02-05 2009-06-10 Card reader device for a cell phone and method of use
US12/807,064 Expired - Fee Related US7918394B1 (en) 2009-06-10 2010-08-26 Card reader device for a cell phone and method of use
US13/065,931 Expired - Fee Related US8584946B2 (en) 2009-06-10 2011-04-01 Card reader device for a cell phone and method of use
US14/083,315 Abandoned US20140076964A1 (en) 2009-06-10 2013-11-18 Card Reader Device Using a Microphone Input of a Headset Jack of a Means for Communicating with a Host System
US14/444,608 Abandoned US20140332588A1 (en) 2009-06-10 2014-07-28 Card Reader Device for a Cell Phone and Method of Use

Family Applications Before (1)

Application Number Title Priority Date Filing Date
US12/456,134 Expired - Fee Related US7810729B2 (en) 2002-02-05 2009-06-10 Card reader device for a cell phone and method of use

Family Applications After (3)

Application Number Title Priority Date Filing Date
US13/065,931 Expired - Fee Related US8584946B2 (en) 2009-06-10 2011-04-01 Card reader device for a cell phone and method of use
US14/083,315 Abandoned US20140076964A1 (en) 2009-06-10 2013-11-18 Card Reader Device Using a Microphone Input of a Headset Jack of a Means for Communicating with a Host System
US14/444,608 Abandoned US20140332588A1 (en) 2009-06-10 2014-07-28 Card Reader Device for a Cell Phone and Method of Use

Country Status (3)

Country Link
US (5) US7810729B2 (en)
CA (1) CA2798737A1 (en)
WO (1) WO2010144136A1 (en)

Cited By (18)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103778397A (en) * 2012-10-22 2014-05-07 安国国际科技股份有限公司 A card reader combining a mobile device
US8910868B1 (en) 2013-11-27 2014-12-16 Square, Inc. Firmware management
US8931699B1 (en) 2013-12-11 2015-01-13 Square, Inc. Bidirectional audio communication in reader devices
US8967465B1 (en) * 2013-11-27 2015-03-03 Square, Inc. Audio signaling training for bidirectional communications
US9004356B2 (en) 2010-10-13 2015-04-14 Square, Inc. Read head device with slot configured to reduce torque
US9016572B2 (en) 2010-10-13 2015-04-28 Square, Inc. Systems and methods for financial transaction through miniaturized card with ASIC
US9224142B2 (en) 2002-02-05 2015-12-29 Square, Inc. Card reader with power efficient architecture that includes a power supply and a wake up circuit
US9256769B1 (en) 2014-02-25 2016-02-09 Square, Inc. Mobile reader device
USD762651S1 (en) 2014-06-06 2016-08-02 Square, Inc. Mobile device case
US9542575B2 (en) * 2014-07-31 2017-01-10 Panasonic Intellectual Property Management Co., Ltd. Transaction terminal device
US9576159B1 (en) 2011-01-24 2017-02-21 Square, Inc. Multiple payment card reader system
US9582795B2 (en) 2002-02-05 2017-02-28 Square, Inc. Methods of transmitting information from efficient encryption card readers to mobile devices
US9633236B1 (en) 2013-12-11 2017-04-25 Square, Inc. Power harvesting in reader devices
US9760740B1 (en) 2014-06-23 2017-09-12 Square, Inc. Terminal case with integrated dual reader stack
US9916581B2 (en) 2002-02-05 2018-03-13 Square, Inc. Back end of payment system associated with financial transactions using card readers coupled to mobile devices
US10304043B1 (en) 2014-05-21 2019-05-28 Square, Inc. Multi-peripheral host device
US10410021B1 (en) 2017-12-08 2019-09-10 Square, Inc. Transaction object reader with digital signal input/output and internal audio-based communication
US11087301B1 (en) 2017-12-19 2021-08-10 Square, Inc. Tamper resistant device

Families Citing this family (158)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9262777B2 (en) * 2002-02-05 2016-02-16 Square, Inc. Card reader with power efficient architecture that includes a wake-up circuit
US8876003B2 (en) 2010-10-13 2014-11-04 Square, Inc. Read head device with selected output jack characteristics
US20120126010A1 (en) * 2002-02-05 2012-05-24 Amish Babu Cost effective card reader configured to be coupled to a mobile device
US8573487B2 (en) 2010-10-13 2013-11-05 Square, Inc. Integrated read head device
US8573486B2 (en) 2010-10-13 2013-11-05 Square, Inc. Systems and methods for financial transaction through miniaturized card reader with confirmation of payment sent to buyer
US9286635B2 (en) 2002-02-05 2016-03-15 Square, Inc. Method of transmitting information from efficient communication protocol card readers to mobile devices
US8870071B2 (en) 2010-10-13 2014-10-28 Square, Inc. Read head device with selected sampling rate
US8870070B2 (en) 2010-10-13 2014-10-28 Square, Inc. Card reader device
US9324100B2 (en) 2002-02-05 2016-04-26 Square, Inc. Card reader with asymmetric spring
US9305314B2 (en) 2002-02-05 2016-04-05 Square, Inc. Methods of transmitting information to mobile devices using cost effective card readers
US20120126007A1 (en) * 2002-02-05 2012-05-24 Kartik Lamba Card reader with communication protocol
US9495676B2 (en) 2002-02-05 2016-11-15 Square, Inc. Method of transmitting information from a power efficient card to a mobile device
US20120126006A1 (en) * 2002-02-05 2012-05-24 Jack Dorsey Card reader with efficient encryption
US8500018B2 (en) 2010-10-13 2013-08-06 Square, Inc. Systems and methods for financial transaction through miniaturized card reader with decoding on a seller's mobile device
US20120005039A1 (en) 2002-02-05 2012-01-05 Jack Dorsey Method of conducting financial transactions
US9495675B2 (en) 2002-02-05 2016-11-15 Square, Inc. Small card reader configured to be coupled to a mobile device
US9262757B2 (en) 2002-02-05 2016-02-16 Square, Inc. Method of transmitting information from a card reader with a power supply and wake-up circuit to a mobile device
US8302860B2 (en) 2010-10-13 2012-11-06 Square, Inc. Read head device with narrow card reading slot
US7810729B2 (en) * 2009-06-10 2010-10-12 Rem Holdings 3, Llc Card reader device for a cell phone and method of use
US20070067833A1 (en) * 2005-09-20 2007-03-22 Colnot Vincent C Methods and Apparatus for Enabling Secure Network-Based Transactions
WO2010097711A2 (en) 2009-02-10 2010-09-02 Homeatm Apparatus and method for commercial transactions using a communication device
US9436955B2 (en) 2009-06-10 2016-09-06 Square, Inc. Methods for transferring funds using a payment service where financial account information is only entered once with a payment service and need not be re-entered for future transfers
US7896248B2 (en) * 2009-06-10 2011-03-01 Rem Holdings 3, Llc Card reader device and method of use
US8701997B2 (en) 2010-10-13 2014-04-22 Square, Inc. Decoding systems with a decoding engine running on a mobile device and using financial transaction card information to create a send funds application on the mobile device
US8612352B2 (en) 2010-10-13 2013-12-17 Square, Inc. Decoding systems with a decoding engine running on a mobile device and coupled to a payment system that includes identifying information of second parties qualified to conduct business with the payment system
US10614458B2 (en) 2009-08-14 2020-04-07 Visa U.S.A. Inc. Influenza vaccine administration payment device processing
WO2011047028A2 (en) * 2009-10-13 2011-04-21 Square, Inc. Systems and methods for financial transaction through miniaturized card reader
US10693263B1 (en) * 2010-03-16 2020-06-23 Dynamics Inc. Systems and methods for audio connectors for powered cards and devices
CN103002795A (en) 2010-05-09 2013-03-27 拉布斯戴尔创新有限公司 Fluids testing apparatus and methods of use
US10552809B2 (en) * 2010-07-26 2020-02-04 Visa International Service Association Programmable card
US8573489B2 (en) 2010-10-13 2013-11-05 Square, Inc. Decoding systems with a decoding engine running on a mobile device with a touch screen
JP2014500537A (en) * 2010-10-13 2014-01-09 スクエア インコーポレイテッド A payment method using a payment service and a tab selected by the first party and opened by the second party in any geographical location of the first party's mobile device
US20120095871A1 (en) * 2010-10-13 2012-04-19 Jack Dorsey Method for conducting on-line purchases using a mobile device and a payment service
US8602305B2 (en) 2010-10-13 2013-12-10 Square, Inc. Decoding systems with a decoding engine running on a mobile device configured to be coupled and decoupled to a card reader with wake-up electronics
US8678277B2 (en) 2010-10-13 2014-03-25 Square, Inc. Decoding system coupled to a payment system that includes a cryptographic key
US9454866B2 (en) 2010-10-13 2016-09-27 Square, Inc. Method of conducting financial transactions where a payer's financial account information is entered only once with a payment system
US8640953B2 (en) 2010-10-13 2014-02-04 Square, Inc. Decoding system running on a mobile device and coupled to a payment system that includes at least one of, a user database, a product database and a transaction database
US8571989B2 (en) 2010-10-13 2013-10-29 Square, Inc. Decoding systems with a decoding engine running on a mobile device and coupled to a social network
US8701996B2 (en) 2010-10-13 2014-04-22 Square, Inc. Cost effective card reader and methods to be configured to be coupled to a mobile device
JP5908487B2 (en) * 2010-10-13 2016-04-26 スクエア インコーポレイテッド Readhead device having a slot configured to reduce torque
US9619797B2 (en) 2010-10-13 2017-04-11 Square, Inc. Payment methods with a payment service and tabs selected by a first party and opened by a second party at an geographic location of the first party's mobile device
CN102467649A (en) * 2010-11-10 2012-05-23 苏州星火磁电技术有限公司 Magnetic card information reading method
EP2463747A3 (en) * 2010-12-11 2015-01-21 SA Shuang Casing device for portable electronic device
US20120234918A1 (en) * 2011-03-16 2012-09-20 Lindsay Peter R Card reader device for a cell phone and method of use
TWI456491B (en) * 2011-03-18 2014-10-11 Wistron Neweb Corp An interface circuit and a electronic device having the interface circuit
US9859988B2 (en) 2011-03-22 2018-01-02 Advanced Electroacoustics Private Limited Communications apparatus
US20170249627A1 (en) * 2011-04-05 2017-08-31 My Life It (Aust) Pty Ltd Financial transaction systems and methods
US20130212399A1 (en) * 2011-08-17 2013-08-15 Geoffrey I. Cairns Travel Vault
CN102980932A (en) * 2011-09-06 2013-03-20 余波 Blood glucose monitoring device based on smart phone, and realization method thereof
WO2013051032A1 (en) * 2011-10-03 2013-04-11 Ezetap Mobile Solutions Private Limited A dongle device with rechargeable power supply for a secure electronic transaction
WO2013055952A2 (en) 2011-10-11 2013-04-18 Huster Phyllis A An electronic commerce system
DE202012100620U1 (en) 2011-11-22 2012-06-13 Square, Inc. System for processing cardless payment transactions
US9741045B1 (en) 2012-03-16 2017-08-22 Square, Inc. Ranking of merchants for cardless payment transactions
WO2013142740A1 (en) * 2012-03-22 2013-09-26 Qmodule Inc. Peripheral device and method of its operation
US9165293B2 (en) 2012-03-30 2015-10-20 Mastercard International Incorporated Systems and methods for waveform transmission of transaction card data
US9092683B2 (en) * 2012-07-10 2015-07-28 Honeywell International Inc. Cloud-based system for processing of decodable indicia
US20140052613A1 (en) 2012-08-17 2014-02-20 Square, Inc., A Delaware Corporation Systems and methods for providing gratuities to merchants
KR20140029736A (en) * 2012-08-29 2014-03-11 주식회사 케이티 Apparatus and method for card payment using mobile terminal
KR20140028609A (en) * 2012-08-29 2014-03-10 주식회사 케이티 Apparatus for card payment using mobile terminal
AU2013317896B2 (en) * 2012-09-21 2017-11-23 Teleflex Life Sciences Ii Llc Systems and methods for providing hemorrhage control training
US10475024B1 (en) 2012-10-15 2019-11-12 Square, Inc. Secure smart card transactions
US11449854B1 (en) 2012-10-29 2022-09-20 Block, Inc. Establishing consent for cardless transactions using short-range transmission
US8925817B2 (en) * 2012-11-04 2015-01-06 Id Tech Card reader and method of use thereof
US9264850B1 (en) 2012-11-20 2016-02-16 Square, Inc. Multiple merchants in cardless payment transactions and multiple customers in cardless payment transactions
US9411050B1 (en) 2012-12-14 2016-08-09 Rockwell Collins, Inc. Global positioning system device for providing position location information to a smart device
US9328865B2 (en) * 2012-12-18 2016-05-03 Wyatt R. Briant Holder with handle for mobile computing device
US8690059B1 (en) 2013-01-20 2014-04-08 George Wallner System and method for a baseband nearfield magnetic stripe data transmitter
USRE48167E1 (en) * 2013-02-06 2020-08-18 BBPOS Limited Magnetic stripe reader with card swipe information feedback
US9129166B2 (en) * 2013-02-06 2015-09-08 BBPOS Limited Magnetic stripe reader with card swipe information feedback
US9652791B1 (en) 2013-02-08 2017-05-16 Square, Inc. Updating merchant location for cardless payment transactions
US9022285B2 (en) 2013-03-01 2015-05-05 Looppay, Inc. System and method for securely loading, storing and transmitting magnetic stripe date in a device working with a mobile wallet system
US9123036B2 (en) * 2013-03-01 2015-09-01 Looppay, Inc. Mobile checkout systems and methods
US9312949B1 (en) 2013-03-05 2016-04-12 Square, Inc. Pairing techniques for a wireless card reader
US9940616B1 (en) 2013-03-14 2018-04-10 Square, Inc. Verifying proximity during payment transactions
US9704146B1 (en) 2013-03-14 2017-07-11 Square, Inc. Generating an online storefront
US20140297529A1 (en) * 2013-03-14 2014-10-02 Kachyng, Inc. Point Of Access Device For Use With A Mobile Device
CA2843937C (en) 2013-03-15 2022-10-04 Panasonic Avionics Corporation System and method for permitting a user to submit a payment electronically
US9286500B1 (en) 2013-03-15 2016-03-15 Square, Inc. Card reader communication method
US20140379580A1 (en) 2013-06-25 2014-12-25 Square, Inc. Integrated online and offline purchase authorization
US9924322B2 (en) 2013-07-23 2018-03-20 Square, Inc. Computing distances of devices
US9378497B2 (en) 2013-09-03 2016-06-28 Smart Approach Co., Ltd. Card transaction device and card transaction method
US9208487B2 (en) 2013-09-03 2015-12-08 Smart Approach Co., Ltd. Card transaction device and method thereof
US10332162B1 (en) 2013-09-30 2019-06-25 Square, Inc. Using wireless beacons for transit systems
US8915428B1 (en) 2013-10-04 2014-12-23 Square, Inc. Wireless-enabled card reader
US9033235B1 (en) * 2013-10-18 2015-05-19 Square, Inc. Read head array stitching
US8892462B1 (en) 2013-10-22 2014-11-18 Square, Inc. Proxy card payment with digital receipt delivery
US10417635B1 (en) 2013-10-22 2019-09-17 Square, Inc. Authorizing a purchase transaction using a mobile device
US11803841B1 (en) 2013-10-29 2023-10-31 Block, Inc. Discovery and communication using direct radio signal communication
US20150134439A1 (en) 2013-11-08 2015-05-14 Square, Inc. Interactive digital receipt
US10163148B1 (en) 2013-11-13 2018-12-25 Square, Inc. Wireless beacon shopping experience
US10810682B2 (en) 2013-12-26 2020-10-20 Square, Inc. Automatic triggering of receipt delivery
US10013690B2 (en) 2014-01-16 2018-07-03 Visa International Service Asssociation Systems and methods for merchant mobile acceptance
US10395077B2 (en) 2014-01-17 2019-08-27 Hallmark Cards, Incorporated System and method for near field communication
US10198731B1 (en) 2014-02-18 2019-02-05 Square, Inc. Performing actions based on the location of mobile device during a card swipe
WO2015126755A1 (en) * 2014-02-20 2015-08-27 Looppay, Inc. Mobile checkout systems and methods
US9495670B2 (en) 2014-03-10 2016-11-15 Square, Inc. Quick legend receipt system
US10692064B2 (en) 2014-03-19 2020-06-23 Square, Inc. Merchant platform
US9619792B1 (en) 2014-03-25 2017-04-11 Square, Inc. Associating an account with a card based on a photo
US9016570B1 (en) 2014-04-18 2015-04-28 Adrian Gluck Multi-purpose credit card reader apparatus
US9569767B1 (en) 2014-05-06 2017-02-14 Square, Inc. Fraud protection based on presence indication
US10242351B1 (en) 2014-05-07 2019-03-26 Square, Inc. Digital wallet for groups
US10026083B1 (en) 2014-05-11 2018-07-17 Square, Inc. Tab for a venue
US20150332223A1 (en) 2014-05-19 2015-11-19 Square, Inc. Transaction information collection for mobile payment experience
US20150332040A1 (en) * 2014-05-19 2015-11-19 Honeywell International Inc. Systems, Devices, and Methods for Authenticating A Value Article
US9324065B2 (en) 2014-06-11 2016-04-26 Square, Inc. Determining languages for a multilingual interface
US9256770B1 (en) 2014-07-02 2016-02-09 Square, Inc. Terminal case with integrated reader and shortened base
US9870491B1 (en) * 2014-08-01 2018-01-16 Square, Inc. Multiple battery management
US9799025B2 (en) 2014-08-19 2017-10-24 Square, Inc. Energy harvesting bidirectional audio interface
US10949888B1 (en) 2014-09-10 2021-03-16 Square, Inc. Geographically targeted, time-based promotions
US11080674B1 (en) 2014-09-19 2021-08-03 Square, Inc. Point of sale system
US11151634B2 (en) 2014-09-30 2021-10-19 Square, Inc. Persistent virtual shopping cart
US10467839B2 (en) 2014-10-21 2019-11-05 CoinedBox, Inc. Systems and methods for coin counting
US10909563B1 (en) 2014-10-30 2021-02-02 Square, Inc. Generation and tracking of referrals in receipts
US10753982B2 (en) 2014-12-09 2020-08-25 Square, Inc. Monitoring battery health of a battery used in a device
US9355285B1 (en) 2015-02-12 2016-05-31 Square, Inc. Tone-based wake up circuit for card reader
US11526885B2 (en) 2015-03-04 2022-12-13 Trusona, Inc. Systems and methods for user identification using graphical barcode and payment card authentication read data
US9721251B1 (en) 2015-05-01 2017-08-01 Square, Inc. Intelligent capture in mixed fulfillment transactions
US9436938B1 (en) 2015-05-13 2016-09-06 Square, Inc. Transaction payment processing by multiple data centers
US10026062B1 (en) 2015-06-04 2018-07-17 Square, Inc. Apparatuses, methods, and systems for generating interactive digital receipts
US11481750B2 (en) 2015-06-30 2022-10-25 Block, Inc. Pairing a payment object reader with a point-of-sale terminal
US11080675B1 (en) 2015-09-08 2021-08-03 Square, Inc. Point-of-sale system having a secure touch mode
US11087315B2 (en) 2015-09-24 2021-08-10 Square, Inc. Server-assisted pairing for wireless communications
US10044710B2 (en) 2016-02-22 2018-08-07 Bpip Limited Liability Company Device and method for validating a user using an intelligent voice print
US10410200B2 (en) 2016-03-15 2019-09-10 Square, Inc. Cloud-based generation of receipts using transaction information
US10628811B2 (en) 2016-03-15 2020-04-21 Square, Inc. System-based detection of card sharing and fraud
US10108412B2 (en) 2016-03-30 2018-10-23 Square, Inc. Blocking and non-blocking firmware update
US10636019B1 (en) 2016-03-31 2020-04-28 Square, Inc. Interactive gratuity platform
US10937019B2 (en) 2016-06-08 2021-03-02 Square, Inc. Wireless communication system with auxiliary antenna
US10929866B1 (en) 2016-06-27 2021-02-23 Square, Inc. Frictionless entry into combined merchant loyalty program
US10817869B2 (en) 2016-06-29 2020-10-27 Square, Inc. Preliminary enablement of transaction processing circuitry
US11010765B2 (en) 2016-06-29 2021-05-18 Square, Inc. Preliminary acquisition of payment information
US11871237B1 (en) 2016-06-30 2024-01-09 Block, Inc. Pairing a payment object reader with a point-of-sale terminal
US11880788B1 (en) 2016-12-23 2024-01-23 Block, Inc. Methods and systems for managing retail experience
US10402816B2 (en) 2016-12-31 2019-09-03 Square, Inc. Partial data object acquisition and processing
US10621590B2 (en) 2017-02-22 2020-04-14 Square, Inc. Line-based chip card tamper detection
US10503936B2 (en) 2017-02-27 2019-12-10 Magtek, Inc. Systems and methods for utilizing magnetic fingerprints obtained using magnetic stripe card readers to derive transaction tokens
US10402807B1 (en) 2017-02-28 2019-09-03 Square, Inc. Estimating interchange fees for card payments
US10803418B2 (en) 2017-03-09 2020-10-13 Square, Inc. Provisioning temporary functionality to user devices
US11087412B1 (en) 2017-03-31 2021-08-10 Square, Inc. Intelligent compensation management
US10733589B2 (en) 2017-04-28 2020-08-04 Square, Inc. Point of sale device power management and under voltage protection
US10515342B1 (en) 2017-06-22 2019-12-24 Square, Inc. Referral candidate identification
US10949189B2 (en) 2017-06-28 2021-03-16 Square, Inc. Securely updating software on connected electronic devices
US10990948B1 (en) 2017-08-24 2021-04-27 Square, Inc. Server-based order persistence and/or fulfillment
US10586222B1 (en) 2017-08-24 2020-03-10 Square, Inc. Server-based order persistence and/or fulfillment
US10491736B2 (en) * 2017-08-28 2019-11-26 American Megatrends International, Llc Computer system and method thereof for bluetooth data sharing between UEFI firmware and OS
US10635820B1 (en) 2017-09-29 2020-04-28 Square, Inc. Update policy-based anti-rollback techniques
US11257058B1 (en) * 2017-10-30 2022-02-22 Square, Inc. Sharing output device between unsecured processor and secured processor
US10970698B1 (en) * 2017-12-08 2021-04-06 Square, Inc. Reader detection signal bypassing secure processor
US10650296B2 (en) 2018-02-13 2020-05-12 Erico International Corporation Mobile card reader for lightning protection systems
USD905059S1 (en) 2018-07-25 2020-12-15 Square, Inc. Card reader device
US10867291B1 (en) 2018-11-28 2020-12-15 Square, Inc. Remote association of permissions for performing an action
US10990969B2 (en) 2018-12-21 2021-04-27 Square, Inc. Point of sale (POS) systems and methods for dynamically processing payment data based on payment reader capability
US11049095B2 (en) 2018-12-21 2021-06-29 Square, Inc. Point of sale (POS) systems and methods with dynamic kernel selection
US10762196B2 (en) 2018-12-21 2020-09-01 Square, Inc. Point of sale (POS) systems and methods with dynamic kernel selection
US11665817B2 (en) 2019-09-30 2023-05-30 Block, Inc. Tamper detection based on flexible member connecting circuitry elements
US10810570B1 (en) 2019-09-30 2020-10-20 Square, Inc. Point of sale device with cradle for mobile computing device
US11663368B2 (en) 2019-09-30 2023-05-30 Block, Inc. Tamper detection based on removal of fastener from recess
CN117592983A (en) * 2020-04-20 2024-02-23 车主邦(北京)科技有限公司 Electronic tag identification method for vehicle payment

Citations (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4845740A (en) * 1985-08-12 1989-07-04 Oki Electric Industry Co., Ltd. Radiotelephone system adapted to read a credit card
US5764742A (en) * 1995-04-07 1998-06-09 Howard; Sheldon System for accessing telephonic communications and for conducting telephonic transactions
US5880599A (en) * 1996-12-11 1999-03-09 Lsi Logic Corporation On/off control for a balanced differential current mode driver
US6129277A (en) * 1998-08-03 2000-10-10 Privicon, Inc. Card reader for transmission of data by sound
US6579728B2 (en) * 1998-08-03 2003-06-17 Privicom, Inc. Fabrication of a high resolution, low profile credit card reader and card reader for transmission of data by sound
US20040204074A1 (en) * 2002-05-16 2004-10-14 Nimesh R. Desai Cellular phone speaker console
US20050247787A1 (en) * 2002-02-12 2005-11-10 Clay Von Mueller Magnetic stripe reader with power management control for attachment to a PDA device
US7252232B2 (en) * 2001-12-26 2007-08-07 Vivotech, Inc. Adaptor for magnetic stripe card reader
US20080059370A1 (en) * 2006-08-30 2008-03-06 Cardit, Llc System and Method for Third Party Payment Processing of Credit Cards
US20080059375A1 (en) * 2006-09-06 2008-03-06 Basil Munir Abifaker Payment Card Terminal for Mobile Phones
US7810729B2 (en) * 2009-06-10 2010-10-12 Rem Holdings 3, Llc Card reader device for a cell phone and method of use

Family Cites Families (21)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0457940B1 (en) 1990-05-21 1996-01-03 Hewlett-Packard GmbH Activating circuit
US5204513A (en) 1990-10-02 1993-04-20 American Magnetics Corporation Decoder for magnetic stripe recording
US5850599A (en) 1992-09-25 1998-12-15 Ecs Enhanced Cellular Systems Manufacturing Inc. Portable cellular telephone with credit card debit system
KR0167727B1 (en) 1996-05-07 1999-02-01 김광호 Wireless data communication system using mike head phone of a cellular phone
US6781781B2 (en) 1999-03-01 2004-08-24 Axiohm Transaction Solutions, Inc. Magnetic read head having decode circuitry
AU3599101A (en) 2000-02-29 2001-09-12 Kyocera Corp Portable information terminal and digital camera for portable information terminal and portable digital camera information terminal system
US7095981B1 (en) * 2000-04-04 2006-08-22 Great American Technologies Low power infrared portable communication system with wireless receiver and methods regarding same
JP2002015263A (en) * 2000-06-28 2002-01-18 Nec Corp System and method for easy settlement by portable telephone
TW561760B (en) 2002-01-29 2003-11-11 Benq Corp Mobile communication device automating detection and reception of voice and digital data
US7336973B2 (en) * 2002-10-30 2008-02-26 Way Systems, Inc Mobile communication device equipped with a magnetic stripe reader
US20040093496A1 (en) 2002-11-04 2004-05-13 Colnot Vincent Cedric Method and apparatus to secure online transactions on the internet
US7409234B2 (en) 2003-03-07 2008-08-05 Cardo Systems, Inc. Wireless communication headset with exchangeable attachments
US7324836B2 (en) 2003-09-23 2008-01-29 Qualcomm, Inc. Non-wireless communication using sound
US7309012B2 (en) 2004-09-07 2007-12-18 Semtek Innovative Solutions, Inc. Secure magnetic stripe reader for handheld computing and method of using same
CA2483439A1 (en) 2004-11-01 2006-05-01 Steven M. Gullickson Earphone/microphone adapter
US7929991B2 (en) 2005-03-31 2011-04-19 Qualcomm Incorporated Mobile device interface for input devices
US7689677B2 (en) * 2006-02-17 2010-03-30 Avocent Huntsville Corporation Dynamic power cycling
WO2010097711A2 (en) 2009-02-10 2010-09-02 Homeatm Apparatus and method for commercial transactions using a communication device
US20100243732A1 (en) 2009-03-25 2010-09-30 George Wallner Audio/acoustically coupled card reader
US7896248B2 (en) * 2009-06-10 2011-03-01 Rem Holdings 3, Llc Card reader device and method of use
WO2011047028A2 (en) 2009-10-13 2011-04-21 Square, Inc. Systems and methods for financial transaction through miniaturized card reader

Patent Citations (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4845740A (en) * 1985-08-12 1989-07-04 Oki Electric Industry Co., Ltd. Radiotelephone system adapted to read a credit card
US5764742A (en) * 1995-04-07 1998-06-09 Howard; Sheldon System for accessing telephonic communications and for conducting telephonic transactions
US5880599A (en) * 1996-12-11 1999-03-09 Lsi Logic Corporation On/off control for a balanced differential current mode driver
US6129277A (en) * 1998-08-03 2000-10-10 Privicon, Inc. Card reader for transmission of data by sound
US6481623B1 (en) * 1998-08-03 2002-11-19 Privicom, Inc. Card reader for transmission of data by sound
US6579728B2 (en) * 1998-08-03 2003-06-17 Privicom, Inc. Fabrication of a high resolution, low profile credit card reader and card reader for transmission of data by sound
US7252232B2 (en) * 2001-12-26 2007-08-07 Vivotech, Inc. Adaptor for magnetic stripe card reader
US20050247787A1 (en) * 2002-02-12 2005-11-10 Clay Von Mueller Magnetic stripe reader with power management control for attachment to a PDA device
US20040204074A1 (en) * 2002-05-16 2004-10-14 Nimesh R. Desai Cellular phone speaker console
US20080059370A1 (en) * 2006-08-30 2008-03-06 Cardit, Llc System and Method for Third Party Payment Processing of Credit Cards
US20080059375A1 (en) * 2006-09-06 2008-03-06 Basil Munir Abifaker Payment Card Terminal for Mobile Phones
US7810729B2 (en) * 2009-06-10 2010-10-12 Rem Holdings 3, Llc Card reader device for a cell phone and method of use

Cited By (21)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9916581B2 (en) 2002-02-05 2018-03-13 Square, Inc. Back end of payment system associated with financial transactions using card readers coupled to mobile devices
US9582795B2 (en) 2002-02-05 2017-02-28 Square, Inc. Methods of transmitting information from efficient encryption card readers to mobile devices
US9224142B2 (en) 2002-02-05 2015-12-29 Square, Inc. Card reader with power efficient architecture that includes a power supply and a wake up circuit
US9004356B2 (en) 2010-10-13 2015-04-14 Square, Inc. Read head device with slot configured to reduce torque
US9016572B2 (en) 2010-10-13 2015-04-28 Square, Inc. Systems and methods for financial transaction through miniaturized card with ASIC
US9576159B1 (en) 2011-01-24 2017-02-21 Square, Inc. Multiple payment card reader system
CN103778397A (en) * 2012-10-22 2014-05-07 安国国际科技股份有限公司 A card reader combining a mobile device
US8967465B1 (en) * 2013-11-27 2015-03-03 Square, Inc. Audio signaling training for bidirectional communications
US9195454B2 (en) 2013-11-27 2015-11-24 Square, Inc. Firmware management
US8910868B1 (en) 2013-11-27 2014-12-16 Square, Inc. Firmware management
US8931699B1 (en) 2013-12-11 2015-01-13 Square, Inc. Bidirectional audio communication in reader devices
US9633236B1 (en) 2013-12-11 2017-04-25 Square, Inc. Power harvesting in reader devices
US9256769B1 (en) 2014-02-25 2016-02-09 Square, Inc. Mobile reader device
US10304043B1 (en) 2014-05-21 2019-05-28 Square, Inc. Multi-peripheral host device
USD762651S1 (en) 2014-06-06 2016-08-02 Square, Inc. Mobile device case
US9760740B1 (en) 2014-06-23 2017-09-12 Square, Inc. Terminal case with integrated dual reader stack
US9542575B2 (en) * 2014-07-31 2017-01-10 Panasonic Intellectual Property Management Co., Ltd. Transaction terminal device
US9798906B2 (en) 2014-07-31 2017-10-24 Panasonic Intellectual Property Management Co., Ltd. Transaction terminal device
US10410021B1 (en) 2017-12-08 2019-09-10 Square, Inc. Transaction object reader with digital signal input/output and internal audio-based communication
US11100298B1 (en) 2017-12-08 2021-08-24 Square, Inc. Transaction object reader with analog and digital signal interface
US11087301B1 (en) 2017-12-19 2021-08-10 Square, Inc. Tamper resistant device

Also Published As

Publication number Publication date
CA2798737A1 (en) 2010-12-16
US20140332588A1 (en) 2014-11-13
US8584946B2 (en) 2013-11-19
US20100108762A1 (en) 2010-05-06
WO2010144136A1 (en) 2010-12-16
US20110180601A1 (en) 2011-07-28
US20140076964A1 (en) 2014-03-20
US7918394B1 (en) 2011-04-05
US7810729B2 (en) 2010-10-12

Similar Documents

Publication Publication Date Title
US7918394B1 (en) Card reader device for a cell phone and method of use
US7896248B2 (en) Card reader device and method of use
US20120234918A1 (en) Card reader device for a cell phone and method of use
US8376239B1 (en) Method of use of a simulated magnetic stripe card system for use with magnetic stripe card reading terminals
EP2946334B1 (en) System and method for a baseband nearfield magentic stripe data transmitter
US8313037B1 (en) Simulated magnetic stripe card system and method for use with magnetic stripe card reading terminals
US9576159B1 (en) Multiple payment card reader system
US9454866B2 (en) Method of conducting financial transactions where a payer's financial account information is entered only once with a payment system
US20200013032A1 (en) Methods and systems for biometric card enrollment
US20130299575A1 (en) Systems and methods for financial transaction through miniaturized card reader with decoding on a seller's mobile device
US20080017720A1 (en) Multi-use payment card and methods of using same
US20210272091A1 (en) Enabling card and method and system using the enabling card in a pos
KR101418817B1 (en) Card Payment Apparatus
KR20160120410A (en) Non-contact payment information receiver having mst reader and nfc reader
KR101800717B1 (en) Non-contact fintech receiver coupled with payment terminal for mobile device
US11010743B2 (en) Enabling card and method and system using the enabling card in a POS
US20160217453A1 (en) System and method for authentication
KR20160120409A (en) Mst non-contact payment information receiver
KR102634589B1 (en) System and method for automatically transmitting the transaction information by using additional information in a card
Gupta Using Mobile Phone’s Audio Interface for Making of a Magnetic Stripe Card Reader

Legal Events

Date Code Title Description
RR Request for reexamination filed

Effective date: 20110510

FPB1 Reexamination decision cancelled all claims
REMI Maintenance fee reminder mailed
LAPS Lapse for failure to pay maintenance fees
STCH Information on status: patent discontinuation

Free format text: PATENT EXPIRED DUE TO NONPAYMENT OF MAINTENANCE FEES UNDER 37 CFR 1.362

FP Lapsed due to failure to pay maintenance fee

Effective date: 20150405