CARD WITH ILLUMINATED CODES FOR USE IN SECURE TRANSACTIONS

• US 20110101109A1
• Filed: 04/19/2010
• Published: 05/05/2011
• Est. Priority Date: 11/05/2009
• Status: Active Grant

• Current Assignee: X-Card Holdings LLC
• Original Assignee: X-Card Holdings LLC
• Inventors: Domsten, Rune Petter, Nielsen, Finn, Bona, John Kenneth
• Granted Patent: US 8,413,894 B2
• Time in Patent Office: Days
• US Class Current: 235/492
• 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 19/07709 the interface being a keyboard
• CPC Class Codes: G06Q 20/357 Cards having a plurality of specified features
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G07F 7/0833 Card having specific functional components
• CPC Class Codes: G07F 7/0846 On-card display means

Abstract

A card for use in secure transactions includes a card body having a first major surface and a second major surface, the first major surface having a combination of a plurality of symbols disposed thereon. The card body has a plurality of LEDs disposed in connection with the plurality of preprinted symbols, individual ones of LEDs being disposed to identify respective individual ones of the plurality of symbols when illuminated. An LED controller is coupled to the plurality of LEDs and operable upon actuation to selectively illuminate individual ones of the plurality of LEDs to identify a sub-combination of the plurality of symbols, thereby providing an illuminated one-time code for use in a secure transaction.

Claims

1. A card for use in secure transactions, comprising:

a card body having a first major surface and a second major surface, the first major surface having a combination of a plurality of symbols disposed thereon,

the card body having a plurality of LEDs disposed in connection with the plurality of symbols, individual ones of LEDs being disposed to identify respective individual ones of the plurality of symbols when illuminated, and

a LED controller coupled to the plurality of LEDs, the LED controller operable upon actuation to selectively illuminate individual ones of the plurality of LEDs to identify a sub-combination of the plurality of symbols, thereby providing an illuminated one-time code for use in a secure transaction.

2. The card of claim 1, wherein the plurality of symbols includes an account number.

3. The card of claim 2, wherein the account number is a primary account number for a debit or credit financial transaction card and the illuminated one-time code is a dynamic card present or card-not-present transaction code.

4. The card of claim 1,

wherein the first major surface includes a first region having a preprinted primary account number for a credit account thereon and a second region having the plurality of symbols,

wherein the illuminated one-time code is a dynamic card present or card not-present transaction code.

5. The card of claim 1, wherein the card is a credit transaction card having a preprinted primary account number on one of the major surfaces and a static magnetic stripe on an opposite one of the major surfaces usable in magnetic stripe swipe transactions with a transaction terminal configured to read transaction information encoded on a magnetic stripe of a standard transaction card, and wherein the illuminated one-time code is a dynamic card present or card-not-present transaction code.

6. The card of claim 1, further comprising a smart card chip programmed with at least one transaction application for use in contact and/or contactless credit or debit transactions.

7. The card of claim 1, wherein the LED controller is operable to access a stored list of LED combinations for illumination and a pointer value to the stored list.

8. The card of claim 1, wherein the LED controller is operable to access a stored list of LED combinations for illumination.

9. The card of claim 1, wherein the LED, controller is programmed to derive a combination of LEDs for illumination.

10. The card of claim 1, wherein the symbols are arranged in a grid having a plurality of rows of symbols.

11. The card of claim 1, wherein the plurality symbols are arranged in a single row of symbols.

12. The plastic transaction card of claim 1, further comprising at least one actuation trigger for manual actuation of the card, in response to which the LED controller is operable to illuminate the LEDs.

13. A plastic transaction card for use in credit or debit transactions, comprising:

a card body having a first major surface and a second major surface, the first major surface having an account number comprising a plurality of individual digits preprinted thereon; and

an electronics inlay layer disposed between the first and second major surfaces, wherein the inlay layer includes;

a plurality of LEDs disposed in connection with the preprinted account number, individual ones of LEDs being disposed to identify by illumination respective individual digits from the preprinted account number; and

a LED controller coupled to the plurality of LEDs, the LED controller operable upon actuation to selectively illuminate individual ones of the plurality of LEDs to illuminate for a user a sub-combination of the digits of the preprinted account number to provide a one-time transaction code for use in a secure transaction.

14. The plastic transaction card of claim 13, wherein the card includes a static magnetic stripe usable in card present magnetic stripe swipe transactions with a transaction terminal configured to read transaction information encoded on a magnetic stripe of a standard transaction card.

15. The plastic transaction card of claim 13, further comprising a smart card chip programmed with at least one transaction application for use in contact and/or contactless credit or debit transactions.

16. The plastic transaction card of claim 13, wherein the LED controller is operable to access a stored list of LED sub-combinations for illumination for each new transaction and a pointer value associated with the list.

17. The plastic transaction card of claim 13, wherein the LED controller is operable to access a stored list of LED sub-combinations for illumination for each new transaction.

18. The plastic transaction card of claim 13, wherein the LED controller is operable to derive a sub-combination of LEDs for illumination for each new transaction.

19. A plastic transaction card for use in smart card, magnetic swipe and card present or card not-present credit or debit transactions, comprising:

a card body having a first major surface and a second major surface, the first major surface having an account number comprising a plurality of individual digits provided thereon;

a smart card chip programmed with at least one transaction application, for use in the contact and/or contactless credit or debit transactions;

a magnetic stripe encoded with static transaction data for use in the magnetic swipe credit or debit transactions;

a plurality of LEDs disposed in connection with the account number, individual ones of LEDs being disposed to identify by illumination respective individual digits from the account number; and

a LED controller coupled to the plurality of LEDs, the LED controller operable upon actuation to selectively illuminate individual ones of the plurality of LEDs to illuminate for a user a sub-combination of the digits of the account number to provide a card present or card-not-present one-time transaction code for use in the card-present or card-not-present debit or credit transactions, respectively.

20. The plastic transaction card of claim 19, further comprising at least one actuation trigger for manual actuation of the card, in response to which the LED controller is operable to illuminate the LEDs.