Adaptor for magnetic stripe card reader

Abstract

An adaptor allows a magnetic stripe card reader to receive information from other media such as wireless proximity chip cards while maintaining the ability to receive a magnetic stripe card. In accordance with one embodiment, the adaptor includes a simulacrum structure of sufficiently narrow width to fit substantially permanently within the slot of the magnetic stripe reading device, while providing sufficient room for a magnetic stripe card to also be concurrently accommodated within the slot and read by the reader head. The simulacrum structure may be in electronic communication with one or more transceivers of wireless communications such as RF and IR.

1 . An adaptor for a magnetic stripe card reader comprising: 
 a simulacrum configured to be substantially permanently positioned within a slot of a magnetic stripe card reader, the simulacrum comprising an inductor aligned with a magnetic head of the magnetic stripe card reader and configured to generate a magnetic field sensed by the magnetic head, a presence of the simulacrum within the slot allowing the magnetic head to continue to receive signals from a magnetic stripe card.    
     
     
         2 . The adaptor of  claim 1  wherein the simulacrum is enclosed within a remote ATM-type magnetic stripe card reader hidden from user view.  
     
     
         3 . The adaptor of  claim 1  wherein the simulacrum is positioned within a point-of-sale magnetic stripe card reader having a slot visible to the user.  
     
     
         4 . The adaptor of  claim 1  wherein the adaptor further comprises: 
 a contact interface; and    a processor in electronic communication with the contact interface, the processor configured to receive a signal from the contact interface, to convert the signal into a corresponding series of electrical pulses emulating the signal in a magnetic stripe format, and to communicate the pulses to the simulacrum.    
     
     
         5 . The adaptor of  claim 1  wherein the adaptor further comprises: 
 a wireless transceiver; and    a processor in electronic communication with the wireless transceiver, the processor configured to receive a wireless signal from the wireless transceiver, to convert the wireless signal into a corresponding series of electrical pulses emulating the wireless signal in a magnetic stripe format, and to communicate the pulses to the simulacrum.    
     
     
         6 . The adaptor of  claim 5  wherein the wireless transceiver is housed in an element in physical contact with the simulacrum.  
     
     
         7 . The adaptor of  claim 5  wherein the wireless transceiver is housed in an element separate from the simulacrum, the element in electronic communication with the simulacrum through one of a wired and wireless communication.  
     
     
         8 . The adaptor of  claim 1  further comprising a separate magnetic card reader comprising a separate slot and a separate magnetic head, the separate magnetic head in electronic communication with the simulacrum.  
     
     
         9 . The adaptor of  claim 1  wherein the simulacrum occupies a cross-sectional width of about 0.050″ or less within the slot to allow the slot to accommodate a magnetic stripe card and the simulacrum at the same time.  
     
     
         10 . The adaptor of  claim 9  wherein the simulacrum is substantially permanently secured within the slot distal from the magnetic head to define a gap proximate to the magnetic head for receiving the magnetic stripe card.  
     
     
         11 . (canceled)  
     
     
         12 . The adaptor of  claim 1  wherein the inductor comprises a conductive coil surrounding a magnetic core to define a magneto-inductive gap.  
     
     
         13 - 16 . (canceled)  
     
     
         17 . An adaptor for a point-of-sale (POS) magnetic stripe card reader to be used to conduct a transaction over a network coupled to the POS reader, the adapter comprising: 
 a wireless transceiver adapted to receive account information from a wireless device via a wireless signal;    a simulacrum adapted to be inserted into a card reading slot of the POS card reader, the simulacrum including an inductor which can be aligned with a magnetic head of the card reader, wherein the simulacrum is sufficiently thin to allow a magnetic stripe card to be swiped through the card reading slot and be read by the magnetic head while the simulacrum is positioned within the slot; and    a processor in electronic communication with the wireless transceiver and with the simulacrum, the processor configured to receive a wireless signal to an emulated signal that can be sent to the inductor in the simulacrum, read by the magnetic head of the card reader, and transmitted over the network.    
     
     
         18 - 19 . (canceled)  
     
     
         20 . The adaptor of  claim 17  wherein the simulacrum occupies a cross-sectional width of about 0.050″ or less within the slot.  
     
     
         21 . The adaptor of  claim 17  wherein the inductor comprises a conductive coil surrounding a magnetic core to define a magneto-inductive gap.  
     
     
         22 - 24 . (canceled)  
     
     
         25 . The adaptor of  claim 17  wherein the wireless device is selected from the group consisting of a cell phone, a personal digital assistant, a proximity chip card, and a personal trusted device.  
     
     
         26 . A method for adapting a magnetic stripe card reader for use with an RF proximity chip card, the method comprising: 
 providing a magnetic stripe card reader having a slot and a magnetic head in magnetic communication with the slot;    disposing substantially permanently within the slot a simulacrum including an inductor aligned with the magnetic reader head, the simulacrum sufficiently narrow to allow a magnetic    stripe card to access the slot and the magnetic head while the simulacrum is present within the slot;    providing a transceiver configured to receive a signal;    translating the communication signal from the transceiver into a series of electrical pulses emulating the signal in a magnetic stripe card format; and    communicating the series of electrical pulses to the inductor to generate a magnetic field sensed by the magnetic head.    
     
     
         27 - 30 . (canceled)  
     
     
         31 . The method of  claim 26  wherein the magnetic field has an intensity approximately equivalent to a magnetic stripe domain of between about 1000-10,000 oersteds.  
     
     
         32 . A method of using an RF proximity chip card to conduct a financial transactions over an existing magnetic stripe card point-of-sale (POS) network, the method comprising: 
 coupling an adaptor having a wireless transceiver, a processor, and a simulacrum including an inductor, to a magnetic card reading POS terminal by inserting the simulacrum into a magnetic card reading slot of the POS terminal and substantially permanently affixing the simulacrum to the terminal;    receiving with a wireless receiver a wireless signal from an RF proximity chip card comprising transaction information;    converting the wireless signal to a second signal emulating a magnetic card;    transmitting the second signal to the inductor aligned with a magnetic head of the terminal;    reading the second signal with the magnetic head;    transmitting the transaction information over the POS network using the POS terminal.    
     
     
         33 - 35 . (canceled)