Computer-based systems utilizing cards with cellular capabilities and methods of use thereof

Abstract

In various some embodiments a cellular card includes at least one microprocessor. The cellular card is equipped with multiple devices and configured with multiple functionalities to deter use of the cellular card in unsecure or fraudulent transactions. In various embodiments, the cellular card overcomes drawbacks often associated with cards containing batteries such as battery overheating, battery short life time, battery underperformance in extreme temperatures, and other types of drawbacks associated with batteries contained in cards.

1 - 20 . (canceled) 
     
     
         21 . A method comprising:
 associating, at a server, a private key corresponding to a user mobile account of a mobile network carrier with a user card account of a card issuing entity;   receiving, at the server and from a point of sale (POS) terminal, an authorization request corresponding to a cellular communication device, wherein the authorization request includes the private key as provided to the POS terminal by the cellular communication device;   determining, by the server, that the private key included in the authorization request corresponds to the user card account; and   in response to the determining, transmitting, from the server to the POS terminal, an authorization message authorizing a transaction between the cellular communication device and the POS terminal.   
     
     
         22 . The method of  claim 21 , further comprising:
 transmitting, from the server to the cellular communication device, one or more card identification numbers to be displayed on the cellular communication device.   
     
     
         23 . The method of  claim 22 , wherein the transmitting further comprises:
 transmitting the one or more card identification numbers from the server to the POS terminal for delivery to the cellular communication device.   
     
     
         24 . The method of  claim 22 , further comprising:
 receiving, by the server, the one or more card identification numbers from a second POS terminal when the cellular communication device attempts a transaction with the second POS terminal.   
     
     
         25 . The method of  claim 22 , further comprising:
 receiving, by the server, the one or more card identification numbers from a webpage server when the cellular communication device attempts an electronic transaction with a merchant webpage.   
     
     
         26 . The method of  claim 21 , further comprising:
 receiving, from the cellular communication device, the private key via an electronic wallet application.   
     
     
         27 . The method of  claim 21 , further comprising:
 establishing, by the server and with a mobile network carrier system corresponding to the mobile network carrier, bi-directional communications; and   receiving, by the server and from the mobile network carrier system, a message indicating that the cellular communication device is in use when interacting with the POS terminal.   
     
     
         28 . A system, comprising:
 a memory; and   at least one processor coupled to the memory and configured to:
 associate a private key corresponding to a user mobile account of a mobile network carrier with a user card account of a card issuing entity; 
 receive, from a point of sale (POS) terminal, an authorization request corresponding to a cellular communication device, wherein the authorization request includes the private key as provided to the POS terminal by the cellular communication device; 
 determine that the private key included in the authorization request corresponds to the user card account; and 
 in response to the determining, transmit, to the POS terminal, an authorization message authorizing a transaction between the cellular communication device and the POS terminal. 
   
     
     
         29 . The system of  claim 28 , wherein the at least one processor is further configured to:
 transmit, to the cellular communication device, one or more card identification numbers to be displayed on the cellular communication device.   
     
     
         30 . The system of  claim 29 , wherein to transmit the one or more car identification numbers, the at least one processor is further configured to:
 transmit the one or more card identification numbers to the POS terminal for delivery to the cellular communication device.   
     
     
         31 . The system of  claim 29 , wherein the at least one processor is further configured to:
 receive the one or more card identification numbers from a second POS terminal when the cellular communication device attempts a transaction with the second POS terminal.   
     
     
         32 . The system of  claim 29 , wherein the at least one processor is further configured to:
 receive the one or more card identification numbers from a webpage server when the cellular communication device attempts an electronic transaction with a merchant webpage.   
     
     
         33 . The system of  claim 28 , wherein the at least one processor is further configured to:
 receive, from the cellular communication device, the private key via an electronic wallet application.   
     
     
         34 . The system of  claim 28 , wherein the at least one processor is further configured to:
 establish bi-directional communications with a mobile network carrier system corresponding to the mobile network carrier; and   receive, from the mobile network carrier system, a message indicating that the cellular communication device is in use when interacting with the POS terminal.   
     
     
         35 . A non-transitory computer-readable device having instructions stored thereon that, when executed by at least one computing device, cause the at least one computing device to perform operations comprising:
 associating a private key corresponding to a user mobile account of a mobile network carrier with a user card account of a card issuing entity;   receiving, from a point of sale (POS) terminal, an authorization request corresponding to a cellular communication device, wherein the authorization request includes the private key as provided to the POS terminal by the cellular communication device;   determining, that the private key included in the authorization request corresponds to the user card account; and   in response to the determining, transmitting, to the POS terminal, an authorization message authorizing a transaction between the cellular communication device and the POS terminal.   
     
     
         36 . The non-transitory computer-readable device of  claim 35 , the operations further comprising:
 transmitting, to the cellular communication device, one or more card identification numbers to be displayed on the cellular communication device.   
     
     
         37 . The non-transitory computer-readable device of  claim 36 , wherein the transmitting further comprises:
 transmitting the one or more card identification numbers from the server to the POS terminal for delivery to the cellular communication device.   
     
     
         38 . The non-transitory computer-readable device of  claim 36 , the operations further comprising:
 receiving, by the server, the one or more card identification numbers from a second POS terminal when the cellular communication device attempts a transaction with the second POS terminal.   
     
     
         39 . The non-transitory computer-readable device of  claim 36 , the operations further comprising:
 receiving, by the server, the one or more card identification numbers from a webpage server when the cellular communication device attempts an electronic transaction with a merchant webpage.   
     
     
         40 . The non-transitory computer-readable device of  claim 35 , the operations further comprising:
 establishing, by the server and with a mobile network carrier system corresponding to the mobile network carrier, bi-directional communications; and   receiving, by the server and from the mobile network carrier system, a message indicating that the cellular communication device is in use when interacting with the POS terminal.