Programmable card

Abstract

Embodiments of the invention are directed to programming a payment device that can be in the same form factor as a typical credit or debit card and which can be programmed and reprogrammed with various payment profiles. The payment device is interfaced with a mobile device, such as through insertion into a module capable of holding the payment device within proximity to a main housing of the mobile device. The payment device can include both a magnetic stripe and an IC chip which is capable of near field communication. In embodiments of the invention, the mobile device, such as a cellular phone, includes a memory element. The memory element securely stores payment profiles of financial accounts which are commonly found on credit, debit, gift, transit and loyalty cards. When a payment profile stored in the memory element of the mobile phone is selected, the mobile phone writes the profile onto the payment device. The payment device can then be utilized to communicate payment profile information to a payment device reader during contact or contactless transaction.

1 .- 20 . (canceled) 
     
     
         21 . A mobile device associated with a payment device comprising a contactless interface, the mobile device comprising:
 a processor;   a memory element configured to store a payment profile;   a display configured to display a payment profile identifier of the payment profile to a user of the mobile device;   an input element configured to select the payment profile through selection of the identifier;   an output element; and   a wireless communication interface configured to wirelessly transmit the selected payment profile to the payment device,   wherein the memory element, the display, the input element, the communication interface, and the output element are each operatively coupled to the processor.   
     
     
         22 . The mobile device of  claim 21 , wherein the wireless communication interface is configured to communicate wirelessly with the payment device using Bluetooth. 
     
     
         23 . The mobile device of  claim 21 , wherein the wireless communication interface is configured to communicate wirelessly communicate with the payment device using a short-range wireless communications technology. 
     
     
         24 . The mobile device of  claim 21 , wherein the contactless interface is capable of communicating with a device reader at a merchant using NFC. 
     
     
         25 . The mobile device of  claim 21 , wherein the communication interface includes an antenna configured to wirelessly communicate the payment profile to the payment device. 
     
     
         26 . The mobile device of  claim 21 , wherein the payment device is a card. 
     
     
         27 . The mobile device of  claim 21 , wherein the payment profile information comprises chip type format information. 
     
     
         28 . The mobile device of  claim 27 , wherein the payment profile information comprises an account number and a CVV. 
     
     
         29 . The mobile device of  claim 21 , wherein the payment profile includes customer loyalty information. 
     
     
         30 . A system comprising:
 a mobile device associated with a payment device, the mobile device comprising   a processor,   a memory element configured to store a payment profile,   a display configured to display a payment profile identifier of the payment profile to a user of the mobile device,   an input element configured to select the payment profile through selection of the identifier,   an output element, and   a wireless communication interface configured to wirelessly transmit the selected payment profile to the payment device,   wherein the memory element, the display, the input element, the communication interface, and the output element are each operatively coupled to the processor; and   the payment device.   
     
     
         31 . The system of  claim 30 , wherein the wireless communication interface is configured to communicate wirelessly communicate with the payment device using Bluetooth. 
     
     
         32 . The system of  claim 30 , wherein the wireless communication interface is configured to communicate wirelessly with the payment device using a short-range wireless communications technology. 
     
     
         33 . The system of  claim 30 , wherein the mobile device is a phone. 
     
     
         34 . The system of  claim 30 , wherein the payment device is a card. 
     
     
         35 . The system of  claim 30 , wherein the payment profile information comprises an account number and a CVV. 
     
     
         36 . A method comprising:
 displaying, by a mobile device, a payment profile identifier for a payment profile identifier on a display of the mobile device;   receiving, by the mobile device, a selection of the payment profile identifier for the payment profile from a user; and   wirelessly transmitting, by the mobile device, the selected payment profile to a payment device comprising a contactless element.   
     
     
         37 . The method of  claim 36 , wherein the payment device is a payment card. 
     
     
         38 . The method of  claim 36 , wherein the mobile device is a phone. 
     
     
         39 . The method of  claim 36 , further comprising:
 after transmitting, using the payment device to conduct a payment transaction at a reader located at a merchant.   
     
     
         40 . The method of  claim 36 , wherein the payment profile includes an account number and CVV. 
     
     
         41 . A method comprising:
 receiving, by a payment device comprising a contactless element, a payment profile from a mobile device via a wireless communication between the payment device and the mobile device; and   transmitting, by the payment device and using the contactless element, data in the payment profile to an access device comprising a device reader in a transaction, wherein the access device thereafter generates and sends an authorization request message to a server computer for authorization.   
     
     
         42 . The method of  claim 41 , wherein the payment profile includes an account number and a CVV. 
     
     
         43 . The method of  claim 41 , wherein the wireless communication comprises the use of Bluetooth. 
     
     
         44 . The method of  claim 41 , wherein the access device is a POS terminal. 
     
     
         45 . The method of  claim 41 , wherein the payment device is a card. 
     
     
         46 . The method of  claim 41 , wherein the contactless interface is capable of communicating with a device reader using NFC.