CN108564362A - Preparation card for mobile payment - Google Patents
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- CN108564362A CN108564362A CN201810576884.3A CN201810576884A CN108564362A CN 108564362 A CN108564362 A CN 108564362A CN 201810576884 A CN201810576884 A CN 201810576884A CN 108564362 A CN108564362 A CN 108564362A
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
- G06Q20/3415—Cards acting autonomously as pay-media
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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Abstract
Description
技术领域technical field
本发明涉及一种移动支付的预备卡，更特别地涉及一种可作为移动支付交易的预备卡。The invention relates to a preparatory card for mobile payment, more particularly to a preparatory card that can be used as a mobile payment transaction.
背景技术Background technique
由于目前信息与通信产业发达，多数民众皆已具有智能型手机，使得消费者由智能型手机进行移动支付的行为已日益普及。Due to the current development of the information and communication industry, most people already have smart phones, which makes it increasingly popular for consumers to make mobile payments with smart phones.
因智能型手机大多具有NFC通信接口，故使用时将移动电话置于传感器模块前便可直行支付的动作，大多数的交易并不需要额外授权，支付的款项可由预付账户或银行账户中扣除，或计入电信费用中收取。由于具有便利性而受到广大消费者的使用。Since most smart phones have an NFC communication interface, the payment can be performed directly by placing the mobile phone in front of the sensor module. Most transactions do not require additional authorization, and the payment can be deducted from the prepaid account or bank account. Or included in the telecommunications charges charged. Because of its convenience, it is widely used by consumers.
然而，当以智能型手机进行移动支付时，消费者必须将智能型手机交由商家进行感应，而当消费者将智能型手机交由他人时，便会使得交易时的安全性及个人隐私大打折扣。此外，智能型手更会因电力不足或信号不良造成交易失效。However, when using a smart phone for mobile payment, the consumer must hand over the smart phone to the merchant for sensing, and when the consumer hands over the smart phone to someone else, the security and personal privacy of the transaction will be greatly improved. discount. In addition, smart hands may cause transactions to fail due to insufficient power or poor signal.
发明内容Contents of the invention
基于本发明的至少一个实施例，可将移动通信设备中的移动支付信息储存于预备卡，使持卡者可直接以存有移动支付信息的预备卡进行交易，以避免移动通信设备因电力不足或信号不良造成交易失效，且可不需将移动通信设备与预备卡交付他人，而达到提升交易安全、确保个人隐私以及增加移动支付的便利性的目的。Based on at least one embodiment of the present invention, the mobile payment information in the mobile communication device can be stored in the backup card, so that the cardholder can directly conduct transactions with the backup card that stores the mobile payment information, so as to avoid the mobile communication device from being damaged due to insufficient power. Or the poor signal causes the transaction to fail, and it is not necessary to hand over the mobile communication device and the backup card to others, so as to achieve the purpose of improving transaction security, ensuring personal privacy and increasing the convenience of mobile payment.
本发明提供一种移动支付的预备卡，包括：卡片本体、设于所述卡片本体的处理器、设于所述卡片本体且电路连接所述处理器的电力单元、设于所述卡片本体且电路连接所述处理器的指纹接收单元、设于所述卡片本体且电路连接所述处理器的显示单元、及设于所述卡片本体且电路连接所述处理器的无线通信单元；所述处理器储存用户的指纹数据、个人资料、移动支付信息以及事务数据；所述电力单元供应电力；所述指纹接收单元接收用户的指纹数据供所述处理器辨识；所述显示单元于指纹辨识、移动支付信息储存以及移动支付信息交易时进行提示；所述无线通信单元与移动通信设备链接，以储存移动支付信息于所述处理器。The present invention provides a mobile payment backup card, comprising: a card body, a processor disposed on the card body, a power unit disposed on the card body and connected to the processor by a circuit, disposed on the card body and The fingerprint receiving unit that is circuit-connected to the processor, the display unit that is provided on the card body and circuit-connected to the processor, and the wireless communication unit that is provided on the card body and circuit-connected to the processor; the processing The device stores the user's fingerprint data, personal data, mobile payment information and transaction data; the power unit supplies power; the fingerprint receiving unit receives the user's fingerprint data for the processor to identify; the display unit is used for fingerprint identification, mobile Prompting when the payment information is stored and the mobile payment information is traded; the wireless communication unit is linked with the mobile communication device to store the mobile payment information in the processor.
通过上述实施例，本发明提供一种移动支付的预备卡。可将移动通信设备中的移动支付信息储存于预备卡，使持卡者可直接以存有移动支付信息的预备卡进行交易，以避免移动通信设备因电力不足或信号不良造成交易失效，且可不需将移动通信设备与预备卡交付他人，而达到提升交易安全、确保个人隐私以及增加移动支付的便利性的目的。Through the above embodiments, the present invention provides a mobile payment backup card. The mobile payment information in the mobile communication device can be stored in the backup card, so that the cardholder can directly conduct transactions with the backup card stored in the mobile payment information, so as to avoid the failure of the transaction due to insufficient power or poor signal of the mobile communication device, and can not The mobile communication device and the backup card need to be handed over to others to achieve the purpose of improving transaction security, ensuring personal privacy and increasing the convenience of mobile payment.
可选地，所述处理器包括有安全模块、验证单元及储存单元。Optionally, the processor includes a security module, a verification unit and a storage unit.
可选地，所述电力单元为二次电池或一次电池。Optionally, the power unit is a secondary battery or a primary battery.
可选地，所述指纹接收单元为硬式指纹接收单元或可挠式指纹接收单元。Optionally, the fingerprint receiving unit is a hard fingerprint receiving unit or a flexible fingerprint receiving unit.
可选地，所述显示单元具有可挠性显示器、至少一个发光体或其组合。Optionally, the display unit has a flexible display, at least one light emitter or a combination thereof.
可选地，所述无线通信单元具有第一通信接口及第二通信接口。Optionally, the wireless communication unit has a first communication interface and a second communication interface.
可选地，所述第一通信接口为蓝牙通信协议。Optionally, the first communication interface is a Bluetooth communication protocol.
可选地，所述第二通信接口为NFC通信协议。Optionally, the second communication interface is an NFC communication protocol.
可选地，更进一步包括整流稳压单元，其设于所述卡片本体且电路连接于所述处理器及所述电力单元与所述无线通信单元之间。Optionally, it further includes a rectifying and stabilizing unit, which is arranged on the card body and is circuit-connected between the processor, the power unit and the wireless communication unit.
可选地，更进一步包括输入单元，所述输入单元设于所述卡片本体且电路连接所述处理器，所述输入单元为弹片开关、电阻式触碰开关、电容式触碰开关或指纹开关。Optionally, an input unit is further included, the input unit is arranged on the card body and connected to the processor, and the input unit is a shrapnel switch, a resistive touch switch, a capacitive touch switch or a fingerprint switch .
为使能更进一步了解本发明的特征及技术内容，请参阅以下有关本发明的详细说明与附图，但是此等说明与附图仅用来说明本发明，而非对本发明的权利范围作任何的限制。In order to enable a further understanding of the features and technical content of the present invention, please refer to the following detailed descriptions and drawings of the present invention, but these descriptions and drawings are only used to illustrate the present invention, rather than to make any statement on the scope of rights of the present invention. limits.
附图说明Description of drawings
为了更清楚地说明本发明实施例或现有技术中的技术方案，下面将对实施例描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本发明的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动性的前提下，还可以根据这些附图获得其他的附图。In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following will briefly introduce the accompanying drawings that need to be used in the description of the embodiments. Obviously, the accompanying drawings in the following description are only of the present invention. For some embodiments, those of ordinary skill in the art can also obtain other drawings based on these drawings without paying creative efforts.
图1是本发明较佳具体实施例的外观示意图；Fig. 1 is a schematic view of the appearance of a preferred embodiment of the present invention;
图2是本发明较佳具体实施例的方块示意图；Fig. 2 is a schematic block diagram of a preferred embodiment of the present invention;
图3是本发明较佳具体实施例的储存状态示意图；以及Fig. 3 is a storage state schematic diagram of a preferred embodiment of the present invention; and
图4是本发明较佳具体实施例的交易状态示意图。Fig. 4 is a schematic diagram of a transaction state in a preferred embodiment of the present invention.
附图标记：Reference signs:
1 预备卡1 reserve card
11 卡片本体11 Card body
12 处理器12 processors
121 安全模块121 security module
122 验证单元122 verification units
123 储存单元123 storage units
13 电力单元13 power unit
14 指纹接收单元14 Fingerprint receiving unit
15 显示单元15 display unit
151 可挠性显示器151 flexible display
152 发光体152 illuminants
16 无线通信单元16 Wireless communication unit
161 第一通信接口161 first communication interface
162 第二通信接口162 Second communication interface
17 整流稳压单元17 rectification and voltage stabilization unit
18 输入单元18 input unit
2 移动通信设备2 Mobile communication equipment
3 感应设备3 Sensing devices
具体实施方式Detailed ways
以下将配合附图，进一步地说明本发明实施例的移动支付的预备卡。The mobile payment preparatory card according to the embodiment of the present invention will be further described below with reference to the accompanying drawings.
请参阅图1至图4，如图所示：本发明一种移动支付的预备卡，所述预备卡1包括卡片本体11、处理器12、电力单元13、指纹接收单元14、显示单元15及无线通信单元16。Please refer to Fig. 1 to Fig. 4, as shown in the figure: a kind of preparatory card of mobile payment of the present invention, described preparatory card 1 comprises card body 11, processor 12, power unit 13, fingerprint receiving unit 14, display unit 15 and Wireless communication unit 16.
所述卡片本体11承载所述处理器12、所述电力单元13、所述指纹接收单元14、所述显示单元15及所述无线通信单元16。The card body 11 carries the processor 12 , the power unit 13 , the fingerprint receiving unit 14 , the display unit 15 and the wireless communication unit 16 .
所述处理器可12设于所述卡片本体11，所述处理器可12储存用户的指纹数据、个人资料、移动支付信息以及事务数据，并作为指纹辨识、移动支付信息储存以及移动支付信息交易时的运算处理。The processor 12 can be arranged on the card body 11, and the processor 12 can store the user's fingerprint data, personal data, mobile payment information and transaction data, and serve as fingerprint identification, mobile payment information storage and mobile payment information transaction time processing.
所述电力单元13设于所述卡片本体11且电路连接所述处理器12，所述电力单元13可为二次电池或一次电池，所述电力单元13作为所述处理器12、所述指纹接收单元14、所述显示单元15及所述无线通信单元16运作时的电力来源。The power unit 13 is arranged on the card body 11 and connected to the processor 12 by a circuit, the power unit 13 can be a secondary battery or a primary battery, and the power unit 13 is used as the processor 12, the fingerprint Power sources for the receiving unit 14 , the display unit 15 and the wireless communication unit 16 to operate.
所述指纹接收单元14设于所述卡片本体11且电路连接所述处理器12，所述指纹接收单元14接收用户的指纹数据供处理器12辨识。The fingerprint receiving unit 14 is arranged on the card body 11 and is connected to the processor 12 . The fingerprint receiving unit 14 receives user's fingerprint data for the processor 12 to identify.
所述显示单元15设于所述卡片本体11且电路连接所述处理器12，所述显示单元15于指纹辨识、移动支付信息储存以及移动支付信息交易时以不同的显示模式进行提示。The display unit 15 is arranged on the card body 11 and is connected to the processor 12. The display unit 15 provides prompts in different display modes during fingerprint recognition, mobile payment information storage, and mobile payment information transaction.
所述无线通信单元16设于所述卡片本体且电路连接所述处理器，所述无线通信单元16与移动通信设备2链接，以储存移动支付信息于所述处理器12。The wireless communication unit 16 is arranged on the card body and connected to the processor. The wireless communication unit 16 is linked with the mobile communication device 2 to store mobile payment information in the processor 12 .
当欲储存移动通信设备2中的移动支付信息时，以持卡者将手指(已完成指纹设定的手指)接触于所述预备卡1的指纹接收单元14，使所述指纹接收单元14接收指纹后，经由所述处理器12进行的辨识与验证，当确认所述指纹为持卡者本人时，则由所述显示单元15输出确认的信息(如：各式信号灯或文字信息)，并使所述处理器12启动所述无线通信单元16与所述移动通信设备2进行链接，让所述预备卡1与所述移动通信设备2进行交握沟通，进而将所述移动通信设备2中的移动支付信息储存于所述处理器12中，且由所述显示单元15输出储存状态的信息(如：各式信号灯或文字信息)，以告知持卡者移动支付信息正在储存中或已储存完成。如此，便可将所述移动通信设备2中的移动支付信息储存于所述预备卡1的处理器12。When wanting to store the mobile payment information in the mobile communication device 2, the cardholder will touch the finger (finger that has completed fingerprint setting) to the fingerprint receiving unit 14 of the preparatory card 1, so that the fingerprint receiving unit 14 receives After the fingerprint, through the identification and verification carried out by the processor 12, when it is confirmed that the fingerprint is the cardholder himself, the display unit 15 will output confirmation information (such as: various signal lights or text information), and Make the processor 12 start the wireless communication unit 16 to link with the mobile communication device 2, let the pre-card 1 and the mobile communication device 2 carry out handshake communication, and then connect the mobile communication device 2 The mobile payment information is stored in the processor 12, and the display unit 15 outputs storage status information (such as: various signal lights or text messages) to inform the cardholder that the mobile payment information is being stored or has been stored Finish. In this way, the mobile payment information in the mobile communication device 2 can be stored in the processor 12 of the backup card 1 .
当所述预备卡1欲进行移动支付信息的交易时，持卡者手持所述预备卡1并置于商家的感应设备3前，且持卡者将手指(已完成指纹设定的手指)接触于所述预备卡1的指纹接收单元14，使所述指纹接收单元14接收指纹后，经由所述处理器12进行的辨识与验证，当确认所述指纹为持卡者本人时，则由所述显示单元15输出确认的信息(如：各式信号灯或文字信息)，并使所述处理器12启动所述无线通信单元16与所述感应设备3进行连结，让所述预备卡1与所述感应设备3进行交握沟通，并以所述处理器12中的移动支付信息进行付款，且由所述显示单元15输出交易状态的信息(如：各式信号灯或文字信息)，以告知持卡者移动支付信息的交易完成。如此，便可由所述预备卡1直接进行移动支付的交易，除可避免移动通信设备2因电力不足或信号不良造成交易失效，且可不需将移动通信设备2与所述预备卡1交付他人，而达到提升交易安全、确保个人隐私以及增加移动支付的便利性。When the preparatory card 1 intends to conduct mobile payment information transactions, the cardholder holds the preparatory card 1 and places it in front of the merchant's sensing device 3, and the cardholder touches the finger (the finger that has completed the fingerprint setting) In the fingerprint receiving unit 14 of the preparatory card 1, after the fingerprint receiving unit 14 receives the fingerprint, after the identification and verification performed by the processor 12, when it is confirmed that the fingerprint is the cardholder himself, then the The display unit 15 outputs confirmation information (such as: various signal lamps or text messages), and makes the processor 12 activate the wireless communication unit 16 to connect with the sensing device 3, so that the backup card 1 and the The sensing device 3 performs handshake communication, and uses the mobile payment information in the processor 12 to make payment, and the display unit 15 outputs transaction status information (such as: various signal lights or text messages) to inform the holder The transaction of the cardholder's mobile payment information is completed. In this way, the mobile payment transaction can be directly carried out by the backup card 1, in addition to avoiding the failure of the transaction due to insufficient power or poor signal of the mobile communication device 2, and it is not necessary to hand over the mobile communication device 2 and the backup card 1 to others, To improve transaction security, ensure personal privacy and increase the convenience of mobile payment.
上述移动支付信息的储存或交易时，若经所述指纹接收单元14确认所述指纹为非持卡者本人时，则由所述处理器12发出错误信息，并所述显示单元15自动输出错误的信息(如：各式信号灯或文字信息)，且使所述处理器12不产生任何动作，或关闭所述处理器12，而达到提升交易时的安全性。When the above-mentioned mobile payment information is stored or traded, if it is confirmed by the fingerprint receiving unit 14 that the fingerprint is not the cardholder himself, the processor 12 will send an error message, and the display unit 15 will automatically output an error message. information (such as: various signal lamps or text messages), and make the processor 12 not take any action, or shut down the processor 12, so as to improve the security of the transaction.
于本发明的实施例中，所述处理器12包括有安全模块121、验证单元122及储存单元123，所述安全模块121作为指纹辨识、移动支付信息储存以及移动支付交易时的运算处理，所述验证单元122配合所述安全模块121接收来自指纹接收单元14的指纹数据并进行验证，而所述储存单元123储存用户的指纹数据、个人资料、移动支付信息以及事务数据。而可提升移动支付信息储存与移动支付交易时的安全性。In an embodiment of the present invention, the processor 12 includes a security module 121, a verification unit 122, and a storage unit 123. The security module 121 is used for fingerprint identification, mobile payment information storage, and calculation processing during mobile payment transactions. The verification unit 122 cooperates with the security module 121 to receive and verify the fingerprint data from the fingerprint receiving unit 14, and the storage unit 123 stores the user's fingerprint data, personal data, mobile payment information and transaction data. The security of mobile payment information storage and mobile payment transactions can be improved.
于本发明的实施例中，所述指纹接收单元14为硬式指纹接收单元或可挠式指纹接收单元。进而可搭配不同的卡片本体11或依所需进行运用，以使本发明能更符合实际使用的的需求。In the embodiment of the present invention, the fingerprint receiving unit 14 is a hard fingerprint receiving unit or a flexible fingerprint receiving unit. Furthermore, it can be matched with different card bodies 11 or used as required, so that the present invention can better meet the requirements of actual use.
于本发明的实施例中，所述显示单元15具有可挠性显示器151、至少一个发光体152或其组合，本发明中以同时具有可挠性显示器151及至少一个发光体152为实施例。使用时可于所述处理器12的储存单元123中预先设定所述可挠性显示器151的显示模式，以利用所述可挠性显示器151输出相关的文字信息，而所述发光体152可为LED，且当制作时，可于所述处理器12的储存单元123中预先设定所述发光体152的显示模式，例如：恒亮、闪烁、循环发亮或变换灯色等模式，以利用所述发光体152输出相关信息；以因应不同使用显示状态的需求。In an embodiment of the present invention, the display unit 15 has a flexible display 151 , at least one luminous body 152 or a combination thereof. In the present invention, the flexible display 151 and at least one luminous body 152 are taken as an embodiment. During use, the display mode of the flexible display 151 can be preset in the storage unit 123 of the processor 12, so that the flexible display 151 can be used to output relevant text information, and the luminous body 152 can be It is an LED, and when it is produced, the display mode of the illuminant 152 can be preset in the storage unit 123 of the processor 12, for example: modes such as constant light, flashing, cyclic light or changing light color, so as to The illuminant 152 is used to output relevant information; in order to meet the requirements of different usage display states.
于本发明的实施例中，所述无线通信单元16具有第一通信接口161及第二通信接口162，所述第一通信接口161为蓝牙通信协议，而所述第二通信接口162为NFC通信协议。由此，可由所述第一通信接口161与所述移动通信设备2链接进行移动支付信息的储存，而所述第二通信接口162则与所述感应设备3链接进行移动支付的交易；以因应不同连结方式的需求。In an embodiment of the present invention, the wireless communication unit 16 has a first communication interface 161 and a second communication interface 162, the first communication interface 161 is a Bluetooth communication protocol, and the second communication interface 162 is an NFC communication protocol. Thus, the first communication interface 161 can be linked with the mobile communication device 2 to store mobile payment information, while the second communication interface 162 can be linked with the sensing device 3 to perform mobile payment transactions; Requirements for different connection methods.
于本发明的实施例中，更进一步包括整流稳压单元17，其设于所述卡片本体11且电路连接于所述处理器11及所述电力单元13与所述无线通信单元16之间，所述整流稳压单元17用以稳定所述电力单元13使用时的电压，避免电压不稳定导致所述处理器12损坏。In the embodiment of the present invention, it further includes a rectifying and stabilizing unit 17, which is arranged on the card body 11 and connected to the processor 11 and between the power unit 13 and the wireless communication unit 16, The rectifying and stabilizing unit 17 is used to stabilize the voltage of the power unit 13 when in use, so as to prevent the processor 12 from being damaged due to unstable voltage.
于本发明的实施例中，更进一步包括输入单元18，所述输入单元18设于所述卡片本体11且电路连接所述处理器12，而所述输入单元18可为弹片开关、电阻式触碰开关、电容式触碰开关或指纹开关。除可于取得电力后启动所述处理器12与所述指纹接收单元14，用以作为指纹辨识时的控制之外，更可由所述输入单元18作为所述处理器12的相关使用设定。以因应不同使用状态与制作需求。In the embodiment of the present invention, it further includes an input unit 18, the input unit 18 is arranged on the card body 11 and connected to the processor 12, and the input unit 18 can be a shrapnel switch, a resistive touch touch switch, capacitive touch switch or fingerprint switch. In addition to activating the processor 12 and the fingerprint receiving unit 14 after obtaining power for controlling the fingerprint recognition, the input unit 18 can also be used as a related setting for the processor 12 . To meet different usage status and production requirements.
综上所述，本发明实施例所提供的一种移动支付的预备卡，可将移动通信设备中的移动支付信息储存于预备卡，使持卡者可直接以存有移动支付信息的预备卡进行交易，以避免移动通信设备因电力不足或信号不良造成交易失效，且可不需将移动通信设备与预备卡交付他人，而达到提升交易安全、确保个人隐私以及增加移动支付的便利性的目的。To sum up, the mobile payment backup card provided by the embodiment of the present invention can store the mobile payment information in the mobile communication device in the backup card, so that the cardholder can directly use the backup card with the mobile payment information Conduct transactions to avoid transaction failure caused by insufficient power or poor signal of mobile communication devices, and do not need to hand over mobile communication devices and backup cards to others, so as to achieve the purpose of improving transaction security, ensuring personal privacy and increasing the convenience of mobile payment.
以上所述仅为本发明的实施例，其并非用以局限本发明的保护范围。The above descriptions are only examples of the present invention, and are not intended to limit the protection scope of the present invention.
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| CN201810576884.3A CN108564362A (en) | 2018-05-30 | 2018-05-30 | Preparation card for mobile payment |
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| US20100188213A1 (en) * | 2009-01-23 | 2010-07-29 | Kwok Fong Wong | Usb fingerprint scanner with touch sensor |
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| US8339105B2 (en) * | 2007-10-17 | 2012-12-25 | Freescale Semiconductor, Inc. | Power management arrangement for a mobile device |
| US20100188213A1 (en) * | 2009-01-23 | 2010-07-29 | Kwok Fong Wong | Usb fingerprint scanner with touch sensor |
| US20130200999A1 (en) * | 2010-03-02 | 2013-08-08 | Douglas A. Spodak | Portable e-wallet and universal card |
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