DYNAMIC TRANSACTION CARD AND A METHOD OF WRITING INFORMATION TO THE SAME

• US 20100265037A1
• Filed: 09/08/2006
• Published: 10/21/2010
• Est. Priority Date: 09/08/2005
• Status: Abandoned Application

• Current Assignee: CardLab ApS
• Original Assignee: CardLab ApS
• Inventors: Domsten, Rune, Nielsen, Finn
• Application Number:
  US11/991,597
• Publication Number:
  US 20100265037A1
• Time in Patent Office: Days
• US Class Current: 340/5.820
• 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 20/40145 Biometric identity checks
• 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 transaction card comprising a processor connected to at least one coil, the processor being adapted to: receive a signal output by the coil caused by a magnetic field acting on the coil; derive, from the signal, information relating to the card; store the information; and subsequently transmit, to the surroundings, the information by transmitting a corresponding signal to the coil. The transaction card may be adapted to remember the positions at which the information was store to the card, and to output the information at the same positions when information is read from the card.

A method for storing and transmitting information to the transaction card.

Claims

1. A transaction card comprising a processor connected to at least one coil, the processor being adapted to:

receive a signal output by the coil caused by a magnetic field acting on the coil,

derive, from the signal, information relating to the card,

store the information, and

subsequently transmit, to the surroundings, the information by transmitting a corresponding signal to the coil.

2. A transaction card according to claim 1, wherein the processor is adapted to

be subjected to one or more recording sequence(s) wherein information detected via the coil is stored in the processor, and

be subjected to one or more reading sequence(s) wherein information stored in the processor is output via the coil.

3. A transaction card according to claim 1 or 2, wherein the coil comprises one or more windings extending in a general plane of the transaction card.

4. A transaction card according to any of claims 1-3, wherein at least a part of the coil defines a centre axis extending in a general plane of the transaction card.

5. A transaction card according to claim 4, further comprising an inductive element extending in a general plane of the transaction card and inside one or more windings of the coil.

6. A transaction card according to any of the preceding claims, wherein the processor is adapted to establish, at one or more points in time, one or more position(s) of a card reading and/or recording means relative to the transaction card and/or the coil.

7. A transaction card according to any of the preceding claims, further comprising means for estimating a velocity of the transaction card and/or the coil relative to a card reading and/or recording means.

8. A transaction card according to claim 7, wherein the estimating means is adapted to detect a change in a self inductance of the coil.

9. A transaction card according to any of claims 7-8, wherein the estimating means is adapted to estimate, for one or more points in time, one or more position(s) of the card reading and/or recording means relative to the transaction card and/or the coil, on the basis of the estimated velocity and a point in time wherein the card reading and/or recording means passed a reference position on the transaction card and/or the coil.

10. A transaction card according to any of claims 6-9, wherein the processor is adapted to be operated in a reading mode and a recording mode, and wherein:

in the recording mode, the processor, for at least a part of the information detected by the coil, is adapted to estimate a writing position of the card recording means relative to the transaction card and/or the coil, and to store said part of the information and said estimated writing position, and

in the reading mode, the processor is adapted to estimate a reading position of the card reading means and to output said part of the information to the coil, when the estimated position of the card reading means relative to the transaction card and/or the coil, is substantially identical to said estimated writing position.

11. A transaction card according to claim 10, wherein the processor, when operated in the recording mode, is adapted to interpret a magnetic field acting on the coil as information, and wherein the processor furthermore is adapted to be operated in a non-recording mode wherein signals from coil are not interpreted by the processor.

12. A transaction card according to claim 11, wherein the processor is adapted to change from the recording mode to the non-recording mode:

upon determination of a predetermined number of recording sequence(s), and/or

upon determination of a predetermined number of reading sequence(s), and/or

upon determination of a predetermined signal detected by means of the coil, and/or

after a predetermined period of time elapsed since a predetermined reading and/or recording sequence.

13. A transaction card according to any of the preceding claims, wherein the transaction card is adapted to receive additional information which subsequently is not output when the processor is operated in a secure mode.

14. A transaction card according to any of claims 10-13, further comprising a biometric scanner adapted to determine at least one biometric property, and wherein the processor is adapted to prevent operation of the reading mode unless at least one scanned biometric property corresponds to a corresponding biometric property of a user of the transaction card.

15. A method of storing information on a transaction card comprising a processor connected to at least one coil, the processor:

receiving a signal output by the coil caused by a magnetic field acting on the coil,

deriving, from the signal, information relating to the card,

storing the information, and

subsequently transmitting, to the surroundings, the information by transmitting a corresponding signal to the coil.

16. A method according to claim 15, wherein the receiving step comprises:

moving a card recording means, providing the magnetic field, along the transaction card and/or the coil, and determining at one or more points in time, one or more position(s) of the card recording means relative to the transaction card and/or the coil.

17. A method according to claim 15 or 16, wherein the receiving step comprises:

estimating a velocity of the transaction card and/or the coil relative to a card reading and/or recording means.

18. A method according to claim 17, wherein the receiving step comprises:

detecting a change in a self inductance of the coil and estimating the velocity on the basis of the change and a period of time over which the change took place.

19. A method according to claims 17 or 18, wherein the receiving step comprises:

estimating for one or more points in time, one or more position(s) of the card reading and/or recording means relative to the transaction card and/or the coil, on the basis of the estimated velocity and a point in time wherein the card reading and/or recording means passed a reference position on the transaction card and/or the coil.

20. A method according to any of claims 15-19, wherein the deriving step comprises:

estimating a writing position of a card recording means relative to the transaction card and/or the coil, for at least a part of the information detected by the coil and wherein the step of storing comprises the step of storing said part of the information and said estimated position.

21. A method according to claim 20, wherein the transmitting step comprises:

outputting said part of the information to the coil, when an estimated position of a card reading means relative to the transaction card and/or the coil, is substantially identical to said stored writing position.

22. A method according to any claims 15-21, wherein the processor is adapted to be operated in a recording mode, wherein the processor is adapted to interpret a magnetic field acting on the coil as information, and wherein the processor is adapted to be operated in a non-recording mode signals from coil is not interpreted by the processor.

23. A method according to any of claims 15-22, wherein the processor is adapted to

be subjected to one or more recording sequence(s) wherein information detected via the coil is stored in the processor, and

be subjected to one or more reading sequence(s) wherein information stored in the processor is output via the coil.

24. A method according to claim 22 and 23, further comprising the step of:

changing the operational mode of the processor from the recording mode to the non-recording mode on the basis of at least one of;

a predetermined number of recording sequence(s), and/or

a predetermined number of reading sequence(s), and/or

a predetermined signal detected by means of the coil, and/or

a predetermined period of time elapsed since a predetermined reading and/or recording sequence.

24-1. A method according to any of claims 15-23, wherein the transaction card is adapted to perform the subsequent step of:

receiving additional information and operating the processor in a secure mode wherein processor prevents outputting of the additional information.

25. A method according to any of claims 15-24, wherein the transaction card further comprises a biometric scanner adapted to determine at least one biometric property, and wherein the step of transmitting comprises:

scanning a biometric material with the biometric scanner,

deriving, from a signal received from the biometric scanner, information relating to the biometric material,

comparing the information relating to the biometric material signal with a information relating the owner of the transaction card, and

allowing transmission to the coil, of data stored in the processor, if the compared information correlate.