Payment cards and devices with gift card, global integration, and magnetic stripe reader communication functionality

• US 10,467,521 B2
• Filed: 12/19/2008
• Issued: 11/05/2019
• Est. Priority Date: 12/24/2007
• Status: Active Grant

• Current Assignee: Dynamics Inc.
• Original Assignee: Dynamics Inc.
• Inventors: Mullen, Jeffrey D., Lambeth, David, Cloutier, Bruce
• Primary Examiner(s): Johnson, Sonji N
• Application Number:
  US12/339,051
• Publication Number:
  US 20090159698A1
• Time in Patent Office: 3,973 Days
• Field of Search: 235492, 235493
• 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 device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. Gift cards may be inputted by a user into such a payment card or other device such that a user can combine gift cards. Similarly, a user be provided with a global payment account that can be utilized in multiple countries that have different standards for formatting data. A user may be provided with a default country (e.g., United States) but may have a way to select that the user is in a different country (e.g., Japan). Accordingly, a user may select that a Japanese data structure be transmitted through a magnetic stripe reader when the user is in Japan.

Claims

1. A payment card comprising:

a button;

a display associated with said button; and

an array of buttons,

wherein a code is entered utilizing said array of buttons,

said display displays indicia associated with said code when said button is pressed, and

said card determines said indicia using said code, said code being different from said indicia.

2. The card of claim 1 further comprising:

a battery; and

processing circuitry electrically coupled to said battery.

3. The card of claim 1, wherein said display is a bi-stable display.

4. The card of claim 1, wherein said code associates a gift card data to said payment card.

5. The card of claim 1, wherein said code activates a gift card data.

6. The card of claim 1, wherein entry of said code loads a gift card data onto said payment card.

7. The card of claim 1, wherein entry of said code sets a flag on the payment card.

8. The card of claim 1 further comprising processing circuitry operative to translate said code based on a mapping scheme.

9. A card comprising:

a card reader communications device;

an interface operable to receive a code corresponding to only one of a plurality of gift card data, wherein said code comprises multiple characters;

a display; and

a processor operable to select said one of said plurality of gift card data after said code is received,

wherein payment information associated with said selected one gift card data is communicated through said card reader communications device.

10. The card of claim 9, wherein said payment information comprises a gift card account number of said selected gift card data.

11. The card of claim 9, wherein said payment information comprises a payment card account number and discretionary data.

12. The card of claim 9, wherein said payment information comprises a payment card account number and a flag.

13. The card of claim 9, wherein said interface comprises an array of buttons.

14. The card of claim 9, wherein said interface comprises a light detector.

15. The card of claim 9, wherein said card reader communications device comprises a dynamic magnetic stripe communications device.

16. The card of claim 9, wherein said interface is an IC chip or an RFID.

17. A card comprising:

a card reader communications device; and

a processor, wherein one of a plurality of territorial payment card data is selected for use, each of said plurality of territorial payment card data is associated with a different country, and payment information associated with said selected one territorial payment card data is communicated through said card reader communications device.

18. The card of claim 17, wherein said payment information comprises a data structure for a territory corresponding to said selected territorial payment card data.

19. The card of claim 17 further comprising an interface for enabling selection of said one of a plurality of territories.

20. The card of claim 17, further comprising a display, wherein said display displays indicia corresponding to a selected territory.

21. The card of claim 17 further comprising location circuitry, wherein said location circuitry provides location data to said processor, wherein said processor selects one of said territorial payment card data based on said location data.

22. The card of claim 17, wherein payment information associated with a first territorial payment data comprises a first number and payment information associated with a second territorial payment data comprises a second number, which is different than said first number, wherein both said first and second numbers are linked to a same payment account.

23. The card of claim 17, wherein said card reader communications device is a dynamic magnetic stripe communications device.

24. A payment card comprising:

a button;

a display associated with said button; and

an interface for accepting a code,

wherein said display displays indicia associated with said code when said button is pressed, and

said card determines said indicia using said code, said code being different from said indicia.

25. The card of claim 24, wherein said code associates a gift card data to said payment card.

26. The card of claim 24, wherein said code activates a gift card data.

27. The card of claim 24, wherein entry of said code loads a gift card data onto said payment card.