System, method, apparatus and computer program product for interfacing a multi-card radio frequency (RF) device with a mobile communications device
View Patent ↗An interface for a mobile communication device is provided, including at least one memory unit configured to store read/write data associated with transaction accounts, at least one user interface software application, and at least one contactless communication protocol application. A radio frequency identifier unit having an antenna communicates with a radio frequency identifier reader through a contactless transaction account communications channel distinct from a mobile communications channel of the mobile communication device. An input/output interface unit communicates with a corresponding input/output interface unit of the mobile communication device and provide access to and control of the at least one memory unit and the radio frequency identifier unit by a processor of the mobile communication device.
1. A subscriber identity module (SIM) card, comprising:
a memory unit configured to store data associated with a transaction account and authentication data of a user;
a radio frequency identifier (RFID) interface configured to communicate with an RFID reader; and
a device interface configured to couple the SIM card to a mobile communication device such that the SIM card is removable from the mobile communication device;
wherein the SIM card is configured to:
establish a token key with the mobile communication device such that functionality of the SIM card becomes disabled responsive to the SIM card being removed from the mobile communication device;
receive, via the device interface from the mobile communication device, an indication that the user has requested payment for a transaction with the transaction account;
perform an authentication of the user by using the authentication data stored in the memory unit; and
based on the authentication, communicate, via the RFID interface, payment information for the transaction to a point of sale (POS) terminal, wherein the SIM card is configured to use the stored data to communicate the payment information.
2. The SIM card of claim 1 , wherein the authentication data includes at least one of biometric data and login data.
3. The SIM card of claim 1 , wherein the SIM card is configured to:
receive, via the device interface, an indication specifying a selection of the transaction account from among a plurality of transaction accounts to use for the transaction; and
in response to the selection, transfer, via the RFID interface, payment information for the transaction account to an RFID reader of the POS terminal.
4. A method comprising:
a subscriber identity module (SIM) card receiving, from a mobile communication device, a request that includes a selection of a plurality of transaction accounts and a payment amount, wherein the SIM card is configured to be inserted into the mobile communication device such that the SIM card is removable from the mobile communication device;
in response to the request, the SIM card authenticating a user of the mobile communication device based on authentication data stored in a memory of the SIM card, wherein the memory stores information about the plurality of transaction accounts;
based on the authenticating, the SIM card communicating transaction account information associated with the selection and the payment amount via a radio frequency identifier (RFID) circuit in the SIM card to an RFID reader of a point of sale (POS) terminal; and
the SIM card establishing a token key with an application on the mobile communication device such that functionality of the SIM card becomes disabled responsive to the SIM card being removed from the mobile communication device.
5. The method of claim 4 , wherein the stored authentication data is at least one of biometric data and login data.
6. The method of claim 4 , wherein the selection is in response to a graphical display associated with transaction account data on a user interface of the mobile communication device.
7. A subscriber identity module (SIM) card, comprising:
a memory unit configured to:
store data associated with a transaction account and authentication data of a user, wherein the authentication data is usable to perform an authentication of the user;
a device interface configured to:
couple the SIM card to a mobile communication device such that the SIM card is removable from the mobile communication device, wherein the SIM card becomes disabled responsive to the SIM card being removed from the mobile communication device; and
receive an indication that the user has requested payment for a transaction with the transaction account; and
a radio frequency identifier (RFID) interface configured to:
communicate information with a point of sale (POS) terminal via an RFID reader, wherein the information communicated to the POS terminal includes payment information for the transaction that is communicated based on a performed authentication of the user by the authentication data stored in the memory unit.
8. The SIM card of claim 7 , wherein the memory unit is configured to store a token key established with the mobile communication device such that functionality of the SIM card becomes disabled responsive to the SIM card being removed from the mobile communication device.