Payment cards and devices with displays, chips, RFIDs, magnetic emulators, magnetic encoders, and other components

• US 10,095,974 B1
• Filed: 02/11/2013
• Issued: 10/09/2018
• Est. Priority Date: 12/24/2007
• Status: Active Grant

• Current Assignee: Dynamics Inc.
• Original Assignee: Dynamics Inc.
• Inventors: Mullen, Jeffrey D., Cloutier, Bruce
• Primary Examiner(s): Frech, Karl D
• Application Number:
  US13/763,833
• Time in Patent Office: 2,066 Days
• Field of Search: 235379, 235380, 235375, 235487
• CPC Class Codes: A61B 5/02 Detecting, measuring or recording pulse, heart rate, blood pressure or blood flow; Combined pulse/heart-rate/blood pressure determination; Evaluating a cardiovascular condition not otherwise provided for, e.g. using combinations of techniques provided for in this group with electrocardiography or electroauscultation; Heart catheters for measuring blood pressure
• CPC Class Codes: A61B 5/02042 Determining blood loss or bleeding, e.g. during a surgical procedure
• CPC Class Codes: G06F 3/0488 using a touch-screen or digitiser, e.g. input of commands through traced gestures
• CPC Class Codes: G06K 19/06187 with magnetically detectable marking
• CPC Class Codes: G06K 19/06206 the magnetic marking being emulated
• CPC Class Codes: G06K 19/07 with integrated circuit chips
• CPC Class Codes: G06K 19/0702 the arrangement including a battery
• CPC Class Codes: G06K 19/0704 the battery being rechargeable, e.g. solar batteries
• CPC Class Codes: G06K 19/0723 the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
• CPC Class Codes: G06K 19/0725 the arrangement being a circuit for emulating a plurality of record carriers, e.g. a single RFID tag capable of representing itself to a reader as a cloud of RFID tags
• CPC Class Codes: G06K 19/07345 by activating or deactivating at least a part of the circuit on the record carrier, e.g. ON/OFF switches
• CPC Class Codes: G06K 19/07703 the interface being visual
• CPC Class Codes: G06K 19/07705 the visual interface being a single light or small number of lights capable of being switched on or off, e.g. a series of LEDs
• CPC Class Codes: G06K 19/07707 the visual interface being a display, e.g. LCD or electronic ink
• CPC Class Codes: G06K 19/07709 the interface being a keyboard
• CPC Class Codes: G06K 19/07749 the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card
• CPC Class Codes: G06K 19/0775 arrangements for connecting the integrated circuit to the antenna
• CPC Class Codes: G06K 19/07766 comprising at least a second communication arrangement in addition to a first non-contact communication arrangement
• CPC Class Codes: G06K 19/07769 the further communication means being a galvanic interface, e.g. hybrid or mixed smart cards having a contact and a non-contact interface
• CPC Class Codes: G06K 19/07773 Antenna details antennas for wireless devices, e.g. RFID tags, in general H01Q1/22
• CPC Class Codes: G06K 19/083 : Constructional details
• CPC Class Codes: G06K 7/0004 : Hybrid readers
• CPC Class Codes: G06K 7/084 : sensing magnetic material by relative movement detecting flux changes without altering its magnetised state
• CPC Class Codes: G06K 7/087 : flux-sensitive, e.g. magnetic, detectors G06K7/10336 takes precedence
• CPC Class Codes: G06K 7/10297 : arrangements for handling protocols designed for non-contact record carriers such as RFIDs NFCs, e.g. ISO/IEC 14443 and 18092 cryptographic protocols H04L9/00; network security protocols H04L63/00; real-time communication protocols in data switching networks H04L65/00; network protocols for data switching network services H04L67/00
• CPC Class Codes: G06Q 20/18 : involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/20 : Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/34 : using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/341 : Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/3415 : Cards acting autonomously as pay-media
• CPC Class Codes: G06Q 20/352 : Contactless payments by cards
• CPC Class Codes: G06Q 20/385 : using an alias or single-use codes
• CPC Class Codes: G06Q 20/401 : Transaction verification
• CPC Class Codes: G06Q 30/0222 : During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0241 : Advertisements
• CPC Class Codes: G06Q 30/0277 : Online advertisement
• CPC Class Codes: G06Q 30/0641 : Shopping interfaces
• CPC Class Codes: G06T 2207/10024 : Color image
• CPC Class Codes: G06T 2207/30004 : Biomedical image processing
• CPC Class Codes: G06T 7/62 : of area, perimeter, diameter or volume
• CPC Class Codes: G06V 10/24 : Aligning, centring, orientation detection or correction of the image
• CPC Class Codes: G06V 10/25 : Determination of region of interest [ROI] or a volume of interest [VOI]
• CPC Class Codes: G06V 2201/03 : Recognition of patterns in medical or anatomical images
• CPC Class Codes: G07F 7/0806 : Details of the card record carriers per se G06K
• CPC Class Codes: G07F 7/1008 : Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A payment card (e.g., credit and/or debit card) or other card or device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. User interfaces are provided in a number of different configurations in order to achieve a number of different functionalities.

Claims

1. A payment card comprising:

a plurality of buttons;

a magnetic emulator operable to communicate data in serial;

an RFID;

an IC chip; and

a processor for controlling said magnetic emulator, said RFID, and said IC chip.

2. The payment card of claim 1, further comprising a second magnetic emulator operable to communicate second data in serial.

3. The payment card of claim 1, further comprising;

a bi-stable display; and

a non-bi-stable display.

4. The payment card of claim 1, further comprising a battery.

5. The payment card of claim 1, further comprising a battery and a display.

6. The payment card of claim 1, further comprising a read-head detector operable to detect a read-head of a magnetic stripe reader.

7. The payment card of claim 1, further comprising:

a bi-stable display,

wherein payment data is provided by said magnetic emulator and at least a portion of said payment data is displayed on said bi-stable display.

8. The payment card of claim 1, further comprising:

a memory; and

a non-bi-stable display,

wherein payment data is provided by said magnetic emulator and at least a portion of said payment data is displayed on said non-bi-stable display.

9. The payment card of claim 1, further comprising a memory.

10. The payment card of claim 1, further comprising:

a first surface, and

a bi-stable display,

wherein at least a portion of a payment card number is printed on said first surface, and said display is viewable from said first surface.

11. The payment card of claim 1, further comprising:

a first surface, and

a bi-stable display,

wherein said bi-stable display is viewable from said first surface.

12. The payment card of claim 1, further comprising an LED.

13. The payment card of claim 1, further comprising:

a first source of light; and

a second source of light.

14. The payment card of claim 1, further comprising:

a bi-stable display,

wherein at least a portion of a payment card number is displayed on said bi-stable display.

15. The payment card of claim 1, further comprising:

a bi-stable display; and

a source of light.

16. The payment card of claim 1, further comprising:

a bi-stable display; and

a source of light,

wherein said source of light is proximate to one of said plurality of buttons.

17. The payment card of claim 1, further comprising:

a bi-stable display,

wherein said bi-stable display is proximate to one of said plurality of buttons.