General Purpose Re-loadable Card Aggregation implementation

Abstract

A method and apparatus is taught wherein a light smartcard may be utilized to make transactions so that a user only has to carry one card and not be encumbered with the multiple cards that now have to deal with. This is accomplished with a third party API service provider. This could also be thought of your own personal cloud that carries only your cards and only your information including virtual currencies as well. Now you only have to carry one and one card only. You can spend from any of your other accounts through this one card.

1 . A general purpose reloadable transaction card comprising;
 a magnetic stripe;   an EMV chip;   an NFC wireless communications capability;   BLE blue tooth antenna communications capability;   a rechargeable battery;   a touch screen resident on the general purpose reloadable credit card;   a plurality of selection items capable making a selection. characterized in that a user may select one of a plurality of selection items on the card or initiate a touch on a touch screen to select an indicia to initiate a financial transaction.   
     
     
         2 . A general purpose reloadable transaction card comprising;
 a magnetic stripe;   an EMV chip;   an NFC wireless communications capability;   BLE blue tooth antenna communications capability;   a rechargeable battery;   a touch screen resident on the general purpose reloadable credit card;   a plurality of selection items capable making a selection.   characterized in that a user may select one of a plurality of selection items on the card or initiate a touch on a touch screen to select an indicia to initiate a financial transaction.   
     
     
         3 . A general purpose reloadable transaction card comprising;
 a magnetic stripe;   an EMV chip;   an NFC wireless communications capability;   BLE blue tooth antenna communications capability;   a rechargeable battery;   a touch screen resident on the general purpose reloadable credit card;   a plurality of selection items capable making a selection.   characterized in that a user may select one of a plurality of selection items on the card or initiate a touch on a touch screen to select an indicia to initiate a financial transaction.   
     
     
         4 . (canceled) 
     
     
         5 . (canceled) 
     
     
         6 . The transaction card of  claim 1  wherein the selection of a selection item or a touch on the touch screen selects sends a communication to a API service provider housing the all of the financial datasets preloaded by the user. 
     
     
         7 . The transaction card of  claim 1  wherein the selection of a selection item or a touch on the touch screen selects sends a communication to a API service provider housing the all of the financial datasets preloaded by the user. 
     
     
         8 . The transaction card of  claim 1  wherein the selection of a selection item or a touch on the touch screen selects sends a communication to a API service provider housing the all of the financial datasets preloaded by the user. 
     
     
         9 . The transaction card of  claim 1  wherein the selection of a selection item or a touch on the touch screen selects sends a communication by bluetooth to a smartphone which then relays the communication to an API service provider housing the all of the financial datasets preloaded by the user. 
     
     
         10 . The transaction card of  claim 1  wherein the selection of a selection item or a touch on the touch screen selects sends a communication by NFC to a POS which then relays the communication to an API service provider housing the all of the financial datasets preloaded by the user. 
     
     
         11 . The transaction card of  claim 1  wherein the selection of a selection item or a touch on the touch screen selects sends a communication by EMV chip through a network to an API service provider housing the all of the financial datasets preloaded by the user. 
     
     
         12 . The transaction card of  claim 1  wherein the selection of a selection item or a touch on the touch screen selects sends a communication by micro sim to a to the cellular network which then relays the communication to an API service provider housing the all of the financial datasets preloaded by the user. 
     
     
         13 . The transaction card of  claim 1  wherein the selection of a selection item or a touch on the touch screen selects a funding source of a user to initiate a financial transaction wherein a funding choice made by a user and is directed and communicated to a third party API service provider housing the financial datasets of the users preloaded credit card transaction associated data and virtual currency sufficient to complete a transaction at a physical POS or an internet virtual POS. 
     
     
         14 . The transaction card of  claim 1  wherein the selection of a selection item or a touch on the touch screen selects a funding source of a user to initiate a financial transaction wherein a funding choice made by a user is communicated to a third party API service provider housing datasets of a plurality of the users preloaded personal credit card transaction card data and virtual currency data and wherein the users selection may be any of the preloaded transaction datasets or virtual currency. 
     
     
         15 . The transaction credit card of  claim 1  wherein the funding source for general purpose reloadable credit card is chosen by a user on the general purpose reloadable credit card and communicated to a smart application resident on a smart phone from the general purpose reloadable credit card and further communicated to a third party API service provider. 
     
     
         16 . The third party API service provider of  claim 2  wherein funding sources are credit card accounts for a single user. 
     
     
         17 . The third party API service provider of  claim 2  wherein funding sources are gift or loyalty card accounts for a single user. 
     
     
         18 . The third party API service provider of  claim 2  wherein funding sources may be a virtual currency account and further the third party API service provider of  claim 2  may have the ability to convert and calculate the real-time fiat value of said virtual currency enabling the transaction card to make a purchaser wherever Visa and MasterCard are accepted. 
     
     
         19 . The transaction card of  claim 1  wherein a connection may be made to the API service provider so that a funding source may be chosen by the user on the physical card by a user for a transaction through an EMV chip and further through the POS rails network, an NFC chip through the POS network to the API service provider, through a magnetic stripe through the POS network to the API service provider, through the cards BLE capability to communicate the smartphone to the cellular network to the internet to the API service provider, magnetic stripe through the POS network to the API service provider, through the cards MicroSim capability to communicate the smartphone to the cellular network to the internet to the API service provider. 
     
     
         14 . (canceled)