APPLIANCE FOR FINANCIAL TRANSACTION TOKENS

• US 20080314994A1
• Filed: 06/22/2007
• Published: 12/25/2008
• Est. Priority Date: 06/22/2007
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Faith, Patrick L., Hammad, Ayman A.
• Granted Patent: US 7,819,321 B2
• Time in Patent Office: Days
• US Class Current: 235/493
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: H04Q 2213/13095 PIN / Access code, authentication

Abstract

There is provided an accessory device for a financial transaction token. The accessory has an onboard power storage device that enables a financial token or card that is in communication with the accessory to operate when the card or token is not in the proximity of a merchant terminal (e.g.; a POS terminal). In one implementation, the onboard power storage device includes a rechargeable battery or capacitor such as a thin-film capacitor that stores sufficient energy to power the accessory'"'"'s onboard electronics and/or the electronics of a financial token in communication with the accessory. The accessory may be a subcomponent of another consumer device such as a computing device, communications device, an item of clothing, an item of jewelry, a cell phone, a PDA, an identification card, a money holder, a wallet, a purse, a briefcase, or a personal organizer.

Claims

1. An accessory for a financial token, the financial token having an embedded processor, a memory, an energy source, and an electrical interface, the accessory comprising:

an onboard power source;

an integrated processor;

a user interface;

a power circuit;

means for placing the financial token in electrical communication with the power circuit through the electrical interface to charge the energy source; and

storage, wherein each of the onboard power source, the integrated processor, the user interface, the power circuit, and the storage are in electrical communication with at least one of the others.

2. The accessory as defined in claim 1, wherein the placing means further comprises means for regulating voltage between the electrical interface and the onboard power source.

3. The accessory as defined in claim 1, further comprising electromagnetic read/write heads in substantial proximity to a magnetic stripe on the financial token.

4. The accessory as defined in claim 3, wherein as the financial token is inserted into or removed from the accessory, the read/write heads are translated across substantially all of the length of the magnetic stripe.

5. The accessory as defined in claim 4, wherein as the financial token is inserted into or removed from the accessory, account data is transmitted from the read/write heads to the integrated processor.

6. The accessory as defined in claim 4, wherein as the financial token is inserted into or removed from the accessory, account data is transmitted from the integrated processor to the read/write heads.

7. The accessory as defined in claim 1, further comprising charging circuit means for electrically charging the onboard power source.

8. The accessory as defined in claim 7, wherein the electrical charging of the onboard power source is effected by physical movement of the accessory.

9. The accessory as defined in claim 8, further comprising a mass and a piezoelectric crystal electrically coupled to the charging circuit, wherein the physical movement of the accessory includes impact of the mass on the piezoelectric crystal, whereby the piezoelectric crystal delivers an electrical current into the onboard power source.

10. The accessory as defined in claim 7, wherein the charging circuit means further comprises means for receiving a power signal from an external power source to charge the onboard power source.

11. The accessory as defined in claim 7, wherein the charging circuit means further comprises induction means for receiving a charge current induced through an electromagnetic field to charge the onboard power source.

12. The accessory as defined in claim 7, wherein the charging circuit means further comprises a photovoltaic cell to charge the onboard power source.

13. The accessory as defined in claim 1, wherein the onboard power source comprises a capacitor.

14. The accessory as defined in claim 13, wherein the capacitor is a thin film capacitor.

15. The accessory as defined in claim 1, further comprising a shielding means for providing a function selected from the group consisting of:

preventing unintended erasure of magnetic media proximal to the token;

preventing unauthorized access to data stored within the memory in the token;

preventing unintended use of the financial token; and

combinations thereof.

16. The accessory as defined in claim 1, further comprising locking means for physically securing the financial token within the accessory.

17. The accessory as defined in claim 1, wherein the user interface further comprises:

means for data input; and

display means, in electrical communication with the integrated processor and the power circuit, for rendering contents of the storage.

18. The accessory as defined in claim 17, wherein the storage includes code executable to perform commands received by the data input means.

19. The accessory as defined in claim 18, wherein:

the power circuit further comprises means for receiving a charge status signal from the financial token; and

the executable code further comprises code which, when executed by the integrated processor, derives a charge state of the energy source within the financial token from the received charge status signal.

20. The accessory as defined in claim 18, wherein the executable code in the storage further comprises code to perform one or more functions selected from the group consisting of:

turning the accessory on;

turning the accessory off;

instructing the financial token to assume an inactive state;

instructing the financial token to assume an active state;

displaying the charge status of the energy storage within the financial token;

selecting a financial account for use in a transaction;

initiating a financial transaction using data provided by the financial token;

configuring the financial token for use with a particular account;

playing a stored music file;

playing a stored video file;

requesting a security indicia;

comparing the security indicia to a predetermined security indicia;

erasing at least part of the memory on the financial token;

securing the financial token from unauthorized use;

reading a financial account indicia from the financial token;

transmitting access information to the financial token; and

combinations thereof.

21. The accessory as defined in claim 18, wherein the storage includes executable code for causing a control signal to be communicated to the financial token through the electrical communication means, whereupon the memory in the financial token is erased upon the accessory communicating the control signal thereto.

22. The accessory as defined in claim 18, wherein the storage includes executable code for causing a control signal to be communicated to the financial token through the electrical communication means, whereupon the embedded processor within the financial token assumes an inactive state upon the accessory communicating the control signal thereto.

23. The accessory as defined in claim 18, wherein the storage includes encrypted data regarding a financial account in a payment system.

24. The accessory as defined in claim 23, wherein the storage includes executable code whereby the integrated processor is configured to:

request entry of an access indicia through the user interface;

compare the entered access indicia to a reference indicia pre-stored within the storage; and

determine that the entered indicia'"'"'s features are within a predetermined range when compared to the reference indicia, and thereupon, decrypt the encrypted data.

25. The accessory as defined in claim 18, wherein the integrated processor authorizes use of the accessory upon occurrence of a condition selected from group consisting of:

(a) dragging an object on a surface of an area on the accessory sensitive to pressure-related inputs to produce a representation of a symbol or glyph, and comparing the entered representation with a second representation pre-stored in the storage to determine that the entered symbol'"'"'s features are within a predetermined range when compared to the second representation;

(b) entering a passphrase by the input means, and comparing the entered passphrase with a second passphrase pre-stored in the storage to determine that the entered passphrase is within a predetermined range when compared to a the second passphrase;

(c) measuring a biometric aspect of a user and comparing the measured biometric aspect with a pre-stored biometric representation to determine that the measured aspect is within a predetermined range when compared to a biometric representation pre-stored in the storage;

(d) the financial token is used to complete a transaction with a predetermined trusted merchant, the merchant'"'"'s identifying information having been pre-stored in the storage; and

(e) combinations thereof.

26. An accessory for a financial token, the financial token having an embedded processor, a memory, an energy source, a power interface, and a data interface, the accessory comprising:

an onboard power source;

an integrated processor;

a user interface;

a power circuit;

a data circuit;

means for placing the financial token in electrical communication with the accessory wherein;

the power circuit energizes the electrical interface to charge the energy source; and

the data circuit communicates data from the integrated processor to the embedded processor through an internal data port; and

storage, wherein each of the onboard power source, the integrated processor, the user interface, the power circuit, and the storage are in electrical communication with at least one of the others.

27. The accessory as defined in claim 26 wherein the internal data port further comprises communication means selected from the group consisting of electrical signals, RFID signals, IrDA signals, visible light, invisible light, modulated laser, modulated RF communication signals, and combinations thereof.

28. The accessory as defined in claim 26, wherein the placing means further comprises means for regulating voltage between the electrical interface and the onboard power source.

29. The accessory as defined in claim 26, wherein the placing means further comprises electromagnetic field means for charging the financial token.

30. The accessory as defined in claim 26, further comprising electromagnetic read/write heads in substantial proximity to a magnetic stripe on the financial token.

31. The accessory as defined in claim 30, wherein as the financial token is inserted into or removed from the accessory, the read/write heads are translated across substantially all of the length of the magnetic stripe.

32. The accessory as defined in claim 31, wherein as the financial token is inserted into or removed from the accessory, account data is transmitted from the read/write heads to the integrated processor.

33. The accessory as defined in claim 31, wherein as the financial token is inserted into or removed from the accessory, account data is transmitted from the integrated processor to the read/write heads.

34. The accessory as defined in claim 26, further comprising charging circuit means for electrically charging the onboard power source.

35. The accessory as defined in claim 34, wherein the electrical charging of the onboard power source is effected by physical movement of the accessory.

36. The accessory as defined in claim 35, further comprising a mass and a piezoelectric crystal electrically coupled to the charging circuit, wherein the physical movement of the accessory includes impact of the mass on the piezoelectric crystal, whereby the piezoelectric crystal delivers an electrical current into the onboard power source.

37. The accessory as defined in claim 34, wherein the charging circuit means further comprises means for receiving a power signal from an external power source to charge the onboard power source.

38. The accessory as defined in claim 34, wherein the charging circuit means further comprises induction means for receiving a charge current induced through an electromagnetic field to charge the onboard power source.

39. The accessory as defined in claim 34, wherein the charging circuit means further comprises a photovoltaic cell to charge the onboard power source.

40. The accessory as defined in claim 26, wherein the onboard power source comprises a thin film capacitor.

41. The accessory as defined in claim 26, wherein the user interface further comprises:

means for data input; and

display means, in electrical communication with the integrated processor and the power circuit, for rendering contents of the storage.

42. The accessory as defined in claim 41, wherein the storage includes code executable to perform commands received by the data input means.

43. The accessory as defined in claim 26, wherein the internal data port further comprises an electrical connector bearing a plurality of electrical signals.

44. The accessory as defined in claim 26, wherein the internal data port further comprises a multiplexer in communication with the integrated processor and the financial token.

45. An accessory for a financial token, the financial token having an embedded processor, a memory, an energy source, a power interface, and a data interface, the accessory comprising:

an onboard power source;

an integrated processor;

a user interface;

a power circuit;

a data circuit;

an external interface for encoding data including an account for effecting the payment for a transaction wherein the account data regarding the transaction is transmitted by the integrated processor to an external data port;

means for placing the financial token in electrical communication with the power circuit through the electrical interface to charge the energy source; and

storage, wherein each of the onboard power source, the integrated processor, the user interface, the power circuit, and the storage are in electrical communication with at least one of the others.

46. The accessory as defined in claim 45, wherein the external data port comprises output means selected from the group consisting of:

a magnetic region for said encoded data;

an electrical connector;

an antenna configured to operate with a POS terminal;

an infrared transceiver;

a display for a rendering of the encoded data; and

combinations thereof.

47. The accessory as defined in claim 46 wherein the output means further comprises communication means selected from the group consisting of electrical signals, RFID signals, IrDA signals, visible light, invisible light, modulated laser, modulated RF communication signals, and combinations thereof.

48. The accessory as defined in claim 46, wherein the rendered encoded data includes a scannable graphical indicia.

49. The accessory as defined in claim 46, wherein the rendered encoded data includes a scannable graphical indicia.

50. The accessory as defined in claim 46, wherein the electrical connector comprises a connector selected from the group consisting of a USB connector, an IEEE 1394 connector, an RS232 serial connector, a PCMCIA connector, a parallel PC port connector, a keyboard wedge reader, and combinations thereof.

51. The accessory as defined in claim 45, wherein the placing means further comprises means for regulating voltage between the electrical interface and the onboard power source.

52. The accessory as defined in claim 45, wherein the placing means further comprises electromagnetic field means for charging the financial token.

53. The accessory as defined in claim 45, further comprising charging circuit means for electrically charging the onboard power source.

54. The accessory as defined in claim 53, wherein the electrical charging of the onboard power source is effected by physical movement of the accessory.

55. The accessory as defined in claim 54, further comprising a mass and a piezoelectric crystal electrically coupled to the charging circuit, wherein the physical movement of the accessory includes impact of the mass on the piezoelectric crystal, whereby the piezoelectric crystal delivers an electrical current into the onboard power source.

56. The accessory as defined in claim 53, wherein the charging circuit means further comprises means for receiving a power signal from an external power source to charge the onboard power source.

57. The accessory as defined in claim 53, wherein the charging circuit means further comprises induction means for receiving a charge current induced through an electromagnetic field to charge the onboard power source.

58. The accessory as defined in claim 53, wherein the charging circuit means further comprises a photovoltaic cell to charge the onboard power source.

59. The accessory as defined in claim 45, wherein the onboard power source comprises a thin film capacitor.

60. The accessory as defined in claim 45, wherein the user interface further comprises:

means for data input; and

display means, in electrical communication with the integrated processor and the power circuit, for rendering contents of the storage.

61. The accessory as defined in claim 45, wherein the storage includes code executable to perform commands received by the data input means.