SYSTEMS AND METHODS FOR CONTACTLESS COMMUNICATION MECHANISMS FOR CARDS AND MOBILE DEVICES

• US 20120286936A1
• Filed: 05/10/2012
• Published: 11/15/2012
• Est. Priority Date: 05/10/2011
• Status: Active Grant

• Current Assignee: Dynamics Inc.
• Original Assignee: Dynamics Inc.
• Inventors: Mullen, Jeffrey D., Rigatti, Christopher J., Wallace, Michael T.
• Granted Patent: US 11,392,860 B2
• Time in Patent Office: Days
• US Class Current: 340/10.2
• CPC Class Codes: G06Q 10/00 Administration; Management
• CPC Class Codes: G06Q 20/223 based on the use of peer-to-peer networks
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• 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 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

A card may be formed using two or more printed circuit boards. Each printed circuit board may include one or more RFID antennas, RFID chips and a processor. A processor on a board may transfer data to one or more RFID chips on the same board. Alternately, a processor on a board may transfer data to one or more RFID chips on a different board via conductive terminals between boards. Data stored in one or more RFID chips may be erased after being communicated to an RFID device via an RFID antenna or after a configurable timeout period elapses. A card and a mobile device may include more than one RFID antenna to increase efficiency, reliability, and/or a number of data channels that may be communicated.

Claims

1. A card, comprising:

a first board including a first RFID chip and a first RFID antenna; and

a second board including a processor, wherein first data is transferred from said processor to said first RFID chip via conductive terminals between said first and second boards and wherein said first data is communicated from said first RFID chip to a first RFID communication channel via said first RFID antenna.

3. The card of claim 1, further comprising a second RFID antenna, wherein second data is transferred from said processor to a second RFID chip via conductive terminals between said first and second boards and wherein said second data is communicated from said second RFID chip to a second RFID communication channel via said second RFID antenna, said first and second data being the same.

4. The card of claim 1, further comprising a second RFID antenna, wherein second data is transferred from said processor to a second RFID chip via conductive terminals between said first and second boards and wherein said second data is communicated from said second RFID chip to a second RFID communication channel via said second RFID antenna, said first and second data being different.

5. The card of claim 1, further comprising a second RFID antenna, wherein second data is transferred from said processor to a second RFID chip via conductive terminals between said first and second boards and wherein said second data is communicated from said second RFID chip to a second RFID communication channel via said second RFID antenna, wherein a difference between said first and second data forms information for a third RFID communication channel.

6. The card of claim 1, further comprising a second RFID antenna, wherein second data is transferred from said processor to a second RFID chip via conductive terminals between said first and second boards and wherein said second data is communicated from said second RFID chip to a second RFID communication channel via said second RFID antenna, wherein a first difference between said first and second data forms information for a third RFID communication channel and a second difference between said first and second data forms information for a fourth RFID communication channel.

7. The card of claim 1, wherein said first data is erased from said first RFID chip after said first data is communicated from said first RFID chip to said first RFID communication channel.

8. The card of claim 1, wherein said first data is erased from said first RFID chip after a delay period has expired.

9. The card of claim 1, wherein said first and second boards are encapsulated, said encapsulation being laminated between first and second lamination layers.

10. The card of claim 1, further comprising a dynamic magnetic stripe communications device.

2. A card, comprising:

a first board including a first RFID antenna; and

a second board including a first RFID chip and a processor, wherein first data is transferred from said processor to said RFID chip and wherein said first data is communicated from said first RFID chip to a first RFID communication channel via said first RFID antenna.

11. The card of claim 2, further comprising a second RFID antenna, wherein second data is transferred from said processor to a second RFID chip and wherein said second data is communicated from said second RFID chip to a second RFID communication channel via said second RFID antenna, said first and second data being the same.

12. The card of claim 2, further comprising a second RFID antenna, wherein second data is transferred from said processor to a second RFID chip and wherein said second data is communicated from said second RFID chip to a second RFID communication channel via said second RFID antenna, said first and second data being different.

13. The card of claim 2, further comprising a second RFID antenna, wherein second data is transferred from said processor to a second RFID chip and wherein said second data is communicated from said second RFID chip to a second RFID communication channel via said second RFID antenna, wherein a first difference between said first and second data forms information for a third RFID communication channel.

14. The card of claim 2, further comprising a second RFID antenna, wherein second data is transferred from said processor to a second RFID chip and wherein said second data is communicated from said second RFID chip to a second RFID communication channel via said second RFID antenna, wherein a first difference between said first and second data forms information for a third RFID communication channel and a second difference between said first and second data forms information for a fourth RFID communication channel.

15. The card of claim 2, wherein said first data is erased from said first RFID chip after said first data is communicated from said first RFID chip to said first RFID communication channel.

16. The card of claim 2, wherein said first data is erased from said first RFID chip after a delay period has expired.

17. The card of claim 2, wherein said first and second boards are encapsulated, said encapsulation being laminated between first and second lamination layers.

18. The card of claim 2, further comprising a dynamic magnetic stripe communications device.

19. A method comprising:

communicating first data from a device to a reader via a first RFID communication channel;

communicating second data from said device to said reader via a second RFID communication channel;

receiving said first and second data via said reader; and

avoiding collisions between said first and second data within said reader.

20. The method of claim 19, wherein said first and second data are different.