Hybrid computerized mobile transaction card

Abstract

A computerized transaction card is provided and includes a plastic form factor resembling a credit card, the form factor including all or a combination of a magnetic stripe, a euro-pay master card and visa (EMV) chip, and or a near field communication (NFC) chip, a micro-controller powered by a rechargeable battery, at least one wireless chip set for sending and receiving data over a local wireless network; and, an interactive display screen for displaying information to a card operator.

1 . A computerized transaction card comprising:
 a plastic form factor resembling a credit card, the form factor including all or a combination of a magnetic stripe, a euro-pay master card and visa (EMV) chip, and or a near field communication (NFC) chip;   a micro-controller powered by a rechargeable battery;   at least one wireless chip set for sending and receiving data over a local wireless network; and,   an interactive display screen for displaying information to a card operator.   
     
     
         2 . The computerized transaction card of  claim 1 , wherein the EMV chip and the NFC chip include on-board memory for storing at least payment card data of one or more than one accounts owned by the card operator. 
     
     
         3 . The computerized transaction card of  claim 1 , wherein the display screen is an interactive touch screen supporting scroll and content select actions performed by the card operator. 
     
     
         4 . The computerized transaction card of  claim 1 , further including:
 a subscriber identity module (SIM) including an international mobile subscriber identity (IMSI) number and a related key for authenticating the card operator over a telephony network.   
     
     
         5 . The computerized transaction card of  claim 1 , further including:
 a wireless fidelity (Wi-Fi) chip set for sending and receiving data over a Wi-Fi network.   
     
     
         6 . The computerized transaction card of  claim 3 , wherein the display screen is an organic light emitting diode (OLED) screen. 
     
     
         7 . The computerized transaction card of  claim 1 , wherein the interactive display screen is a liquid crystal display (LCD) screen associated with a command button for scrolling and selection of displayed content. 
     
     
         8 . A method for proxy acquisition of card account data to present at a POS terminal adapted to read magnetic stripes and EMV chips using a smart card, the smart card having a plastic form factor supporting all or a combination of a magnetic stripe, a euro-pay master card and visa (EMV) chip, and a near field communication (NFC) chip, a micro-controller powered by a rechargeable battery, a wireless chip set for sending and receiving data over a local wireless network, and an interactive display screen for displaying information to a card operator, the method including the steps
 (a) using scroll and select input mechanisms, select a desired payment card option from more than one such option identified on the smart card;   (b) send the payment card option selected in (a) to a smart phone having wireless connection to the smart card;   (c) from the smart phone, connect to a cloud server hosting at least one or more card accounts forwarding the selected payment option to the cloud service;   (d) from the cloud server, authenticate the user account access authority and retrieve a set of card data matching the request data received at the server on behalf of the user;   (e) from the cloud server, send the set of card data retrieved in (d) to the requesting smart phone; and   (f) from the smart phone, send the set of card data to the smart card.   
     
     
         9 . The method of  claim 8 , wherein the EMV chip and the NFC chip include on-board memory for storing at least payment card data of one or more than one accounts owned by the card operator. 
     
     
         10 . The method of  claim 8 , wherein in (a), the input mechanisms for scroll and select are touch screen operations. 
     
     
         11 . The method of  claim 8 , wherein in (b), the wireless connection is a Bluetooth™ connection or a wireless fidelity (Wi-Fi) connection. 
     
     
         12 . The method of  claim 8 , wherein in (c), the cloud hosted service is a digital wallet service hosted on the Internet.