Devices and methods for providing emergency information using a payment card
A card for storing both emergency information and payment information is disclosed. The card can be used by an emergency responder to retrieve emergency information for the user. The emergency information can enable the emergency responder to better render aid to the user. The card can have one or more processors, a sensor, and a memory in communication with the one or more processors and storing an application thereon. The application can cause the card to receive a request from a user device (e.g., from an emergency medical technician, or EMT) to access emergency information stored in the memory, transmit a security challenge to the user device, authenticate a received response to the security challenge from the user device, and transmit the emergency information to the user device.
1. A card for storing emergency information, the card comprising;
one or more processors;
a sensor;
a first memory in communication with the one or more processors and storing a first application and instructions that, when executed by the one or more processors, cause the card to facilitate financial transactions; and
a second memory separate from the first memory and in communication with the one or more processors, the second memory storing a second application and instructions that, when executed by the one or more processors, cause the card to:
receive, by the sensor, a request from a user device to access emergency information stored in the second memory;
transmit a security challenge to the user device;
receive an access code from the user device in response to the security challenge, the access code comprising a cardholder's access code retrieved by the user device from a remote server;
compare the access code to a stored access code; and
when the access code matches the stored access code:
transmit the emergency information to the user device; or
when the access code does not match the stored access code:
transmit a message to the user device indicating access to the emergency information was denied.
2. The card of claim 1 , wherein the card restricts access to the emergency information by communicating only with devices communicating using predetermined communication signal patterns as detected by the sensor.
3. The card of claim 1 , further comprising an antenna, wherein the card communicates with the user device via near field communication (NFC).
4. The card of claim 1 , further comprising:
a radio frequency identification (RFID) chip;
wherein, the card communicates with the user device via the RFID chip using near field communication (NFC).
5. The card of claim 1 , wherein the sensor is a first sensor, the card further comprising:
a second sensor comprising a fingerprint scanner;
wherein the card provides a second security challenge before allowing access to the emergency information; and
the card provides access to the emergency information only when an authorized cardholder's fingerprint is detected by the fingerprint scanner.
6. The card of claim 1 , wherein the access code is retrieved from a remote server storing cardholder data associated with a cardholder of the card.
7. The card of claim 1 , wherein the second application is further configured to delete the emergency information stored in the second memory based on an expiration date of the card.
8. The card of claim 1 , wherein the instructions, when executed by the one or more processors, further cause the card to:
receive emergency information uploaded to the card by a cardholder from a connected mobile device; and
store the emergency information in the second memory.
9. The card of claim 8 , wherein the emergency information stored in the second memory cannot be changed after the emergency information is stored in the second memory.
10. A method of retrieving and viewing a cardholder's emergency information using a payment card, the method comprising:
receiving, at a user device, a cardholder's identification information from a payment card;
sending, from the user device, the cardholder's identification information and an emergency responder's authentication information to a server;
receiving, at the user device, the cardholder's emergency information from the server; and
displaying, on the user device, the cardholder's emergency information.
11. The method of claim 10 , wherein receiving the cardholder's identification information from a payment card comprises using a camera of the user device to visually retrieve the cardholder's identification information from the payment card.
12. The method of claim 10 , wherein receiving the cardholder's identification information from a payment card comprises using a card reader in communication with the user device to retrieve the cardholder's identification information from a magnetic stripe or a smart chip installed on the payment card.
13. The method of claim 10 , wherein receiving the cardholder's identification information from a payment card comprises communicating with the payment card using near field communication (NFC) protocols.
14. The method of claim 10 , further comprising:
receiving, at a user device, an emergency responder's authentication information; and
sending, from the user device, the emergency responder's authentication information to the server.
15. A method of retrieving and viewing a cardholder's emergency information using a payment card, the method comprising:
sending, from a user device and to the payment card, a request to access the cardholder's emergency information along with a cardholder's access code, the cardholder's access code being retrieved by the user device from a remote server;
receiving, at the user device, a cardholder's emergency information from the payment card; and
displaying, on the user device, the cardholder's emergency information.
16. The method of claim 15 , wherein the user device retrieves the cardholder's emergency information from the payment card by using a card reader to read data from a smart chip installed on the payment card.
17. The method of claim 15 , wherein the user device retrieves the cardholder's emergency information from the payment card by communicating with the payment card using near field communication (NFC).
18. The method of claim 15 , wherein the user device retrieves the cardholder's emergency information from the payment card by communicating with a radio frequency identification (RFID) chip installed on the payment card.
19. The method of claim 15 , further comprising:
receiving, at a user device, an emergency responder's authentication information;
sending, to a server, the emergency responder's authentication information;
receiving, at the user device, approval from the server to provide the cardholder's emergency information to the emergency responder as well as the cardholder's access code; and
sending, from the user device, a request for the cardholder's emergency information to the payment card, the request including the cardholder's access code.
20. The method of claim 15 , further comprising:
receiving, at a user device, an emergency responder's authentication information; and
authenticating, at the user device, the emergency responder's authentication information.