LIGHT-POWERED SMART CARD FOR ON-LINE TRANSACTION PROCESSING
First Claim
1. A method for automated card information exchange pursuant to a commercial transaction, comprising:
- activating a card used to complete the commercial transaction using a light source;
transmitting card information associated with the card to a terminal associated with the commercial transaction;
receiving a source verification code (SVC) via an imager positioned on the card, the SVC being generated based on the card information;
generating a card validation code (CVC) on the card using the SVC;
generating a user validation code (UVC) pertaining to a validation of a user, the UVC code being generated based on a biometric reading taken via a biometric reader positioned on the card;
communicating the SVC, the CVC, and the UVC to a transaction validator via a website; and
validating the commercial transaction based on the SVC, the CVC, and the UVC.
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Accused Products
Abstract
In general, embodiments of the present invention relate to a light-powered smart card and associated methods for automated information (static and dynamic) exchange pursuant to a commercial transaction. In a typical embodiment, the card (e.g., a credit card, a debit card and/or a smart card) comprises (among other things) an energy component for providing power to the card. Upon powering up via a light source, including light from the interfacing terminal'"'"'s backlight, a terminal (e.g., a point of sale terminal) will scan/read card information shared between the card and the card company (e.g., upon swiping or placing of the card), and generate a corresponding source validation code (SVC). An optional imager/image array positioned on the back of the card will scan/read the SVC, and card validation code (CVC) logic on the card will generate a CVC based on the SVC (e.g., based on a validation result of the SVC).
28 Citations
20 Claims
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1. A method for automated card information exchange pursuant to a commercial transaction, comprising:
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activating a card used to complete the commercial transaction using a light source; transmitting card information associated with the card to a terminal associated with the commercial transaction; receiving a source verification code (SVC) via an imager positioned on the card, the SVC being generated based on the card information; generating a card validation code (CVC) on the card using the SVC; generating a user validation code (UVC) pertaining to a validation of a user, the UVC code being generated based on a biometric reading taken via a biometric reader positioned on the card; communicating the SVC, the CVC, and the UVC to a transaction validator via a website; and validating the commercial transaction based on the SVC, the CVC, and the UVC. - View Dependent Claims (2, 3, 4, 5, 6, 7, 20)
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8. A card for automated card information exchange pursuant to a commercial transaction, comprising:
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an energy component for providing power to the card; an imager for receiving a source verification code (SVC) from a terminal associated with the commercial transaction, the SVC being generated based on the card information; card validation code (CVC) logic for generating a CVC based on SVC; a biometric reader for taking a biometric reading from a user of the card; and user validation code (UVC) logic for generating a UVC based on the biometric reading. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A card for automated card information exchange pursuant to a commercial transaction, comprising:
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an energy component for providing power to the card; an imager for receiving a source verification code (SVC) from a terminal associated with the commercial transaction, the SVC being generated based on card information; card validation code (CVC) logic for generating a CVC based on SVC; a biometric reader for taking a biometric reading from a user of the card; user validation code (UVC) logic for generating a UVC based on the biometric reading; and validation logic for generating a validation result based on the SVC, the CVC, and the UVC. - View Dependent Claims (16, 17, 18)
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19. A method for automated card information exchange pursuant to a commercial transaction, comprising:
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activating a card used to complete the commercial transaction using a light source; transmitting card information associated with the card to a terminal associated with the commercial transaction; receiving a source verification code (SVC) via an imager positioned on the card, the SVC being generated based on the card information; generating a card validation code (CVC) on the card using the SVC; and communicating the VC and the SVS via a website to a transaction validator; and validating the commercial transaction based on the SVC and the CVC via the transaction validator.
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Specification