Prepaid, Debit and Credit Card Security Code Generation System

• US 20180068316A1
• Filed: 11/13/2017
• Published: 03/08/2018
• Est. Priority Date: 08/08/2016
• Status: Active Grant

• Current Assignee: Ellipse World, Inc.
• Original Assignee: Ellipse World S.A.
• Inventors: Essebag, Jacques, Pochic, Sebastien, Lalo, Cyril
• Granted Patent: US 10,032,169 B2
• Time in Patent Office: Days
• 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 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/4018 using the card verification value [CVV] associated with the card

Abstract

This invention is a comprehensive “Dynamic Security Code” (“DSC”) System (“DSC System”) that can change the security code of a prepaid, debit, or credit card (“Payment Card”). In an effort to thwart Card-Not-Present (“CNP”) fraud, the DSC System provides dynamic security code values (“DSC Values”) that have a limited use. The DSC Values provided by this DSC System can be calculated by various methodologies and can be used within existing standard payment card infrastructures. The DSC System can also be used with other form factors and in other environments not related to payments such as balance inquiries. The DSC Values can be calculated by a DSC Generator Server or on the card itself.

Claims

1. A card for conducting transactions without an internal electrical battery power source, comprising:

an electronic bistable display, the display designed to maintain displayed data when the card is without an external electrical power source;

a microprocessor electrically coupled to the electronic display;

an embedded secure chip electrically coupled to the microprocessor;

a first antenna coupled to a circuit associated with the microprocessor and the display, the first antenna designed to interface with the external electrical power source during a contactless transaction to receive electrical power for operating the circuit associated with the microprocessor and the display; and

a second antenna coupled to the embedded secure chip, the second antenna designed to both (a) interface with the external electrical power source to receive electrical power for operating a circuit associated with the embedded secure chip during the contactless transaction and (b) interface with an external data source to communicate data during the contactless transaction and to change the security code; and

wherein the card has no internal electrical battery power source.

2. The card of claim 1, further comprising an ISO contact plate coupled to the embedded secure chip and the circuit associated with the microprocessor and the display, the ISO contact plate designed to both (a) interface with the external electrical power source to receive electrical power for operating the microprocessor, the display, and the embedded secure chip during a contact transaction and (b) interface with the external data source to communicate data during the contact transaction.

3. The card of claim 1, where the card is a key fob.

4. The card of claim 1, where the card is a wearable device.

5. A card for conducting transactions without an internal electrical battery power source, comprising:

an electronic bistable display, the display designed to maintain displayed data when the card is without an external electrical power source;

a microprocessor electrically coupled to the electronic display;

an embedded secure chip electrically coupled to the microprocessor; and

an antenna coupled to the microprocessor a circuit associated with the microprocessor, the embedded secure chip and the display, the antenna designed to both (a) interface with the external electrical power source to receive electrical power for operating a circuit associated with the embedded secure chip, the microprocessor, and the display, during a contactless transaction and (b) interface with an external data source to communicate data during the contactless transaction and to change the security code; and

wherein the card has no internal electrical battery power.

6. The card of claim 5, further comprising an ISO contact plate coupled to the embedded secure chip and the circuit associated with the microprocessor and the display, the ISO contact plate designed to both (a) interface with the external electrical power source to receive electrical power for operating the microprocessor, the display, and the embedded secure chip during a contact transaction and (b) interface with the external data source to communicate data during the contact transaction.

7. The card of claim 5, where the card is a key fob.

8. The card of claim 5, where the card is a wearable device.

9. A card for conducting transactions without an internal electrical battery power source, comprising:

an electronic bistable display, the display designed to maintain displayed data when the card is without an external electrical power source;

a microprocessor electrically coupled to the electronic display; and

an embedded secure chip electrically coupled to the microprocessor;

an ISO contact plate coupled to the embedded secure chip and the circuit associated with the microprocessor and the display, the ISO contact plate designed to both (a) interface with the external electrical power source to receive electrical power for operating the microprocessor, the display, and the embedded secure chip during a contact transaction and (b) interface with an external data source to communicate data during the contact transaction and to change the security code; and

wherein the card has no internal electrical battery power source.

10. The card of claim 9, where the card is a key fob.

11. The card of claim 9, where the card is a wearable device.