Anonymous electronic card for generating personal coupons useful in commercial and security transactions

• US 6,592,044 B1
• Filed: 05/15/2000
• Issued: 07/15/2003
• Est. Priority Date: 05/15/2000
• Status: Active Grant

• Current Assignee: Privasys Incorporated
• Original Assignee: Privasys Incorporated
• Inventors: Wong, Jacob Y., Anderson, Roy L.
• Primary Examiner(s): Le, Thien M.
• Assistant Examiner(s): Caputo, Lisa M.
• Application Number:
  US09/571,707
• Time in Patent Office: 1,156 Days
• Field of Search: 235/493, 235/499
• US Class Current: 235/493
• CPC Class Codes: G06K 19/06196 Constructional details
• 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 20/3415 Cards acting autonomously as pay-media
• CPC Class Codes: G06Q 20/3576 Multiple memory zones on card
• CPC Class Codes: G06Q 20/4093 Monitoring of device authentication
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

An electronic card that can function as an anonymous credit card or banking card for use on or off the Internet utilizes a magnetic storage medium affixed to the card that can be read by a standard magnetic stripe reader. An encoder generates a data packet that is stored in a designated portion of the magnetic storage medium, which can be a magnetic stripe. The data packet can contain a personal coupon and an alias. A computer or microprocessor generates the personal coupon after a Personal Identification Number is input into the card.

Claims

1. An electronic card, comprising:

a card base;

a computer affixed to the card;

a display controlled by the computer;

an input mechanism;

a magnetic storage medium affixed to the card that can be read by a standard magnetic stripe reader;

an encoder for generating a data packet that is stored in a designated portion of the magnetic storage medium; and

a power source for supplying power to the computer and the encoder;

wherein the electronic card is sized such that the magnetic storage medium can be read by a standard magnetic stripe reader; and

wherein the magnetic storage medium and the encoder are comprised of a dynamic thin film magnetic encoder.

2. An electronic card as recited in claim 1, wherein the card base is comprised of a flexible printed circuit board.

3. An electronic card as recited in claim 1, wherein the display is a liquid crystal display.

4. An electronic card as recited in claim 1, wherein the input mechanism is a keypad.

5. An electronic card as recited in claim 1, wherein the data packet is temporarily stored in the magnetic storage medium.

6. An electronic card as recited in claim 5, wherein the data packet can be erased by activation of an erasure mechanism.

7. An electronic card as recited in claim 1, further comprising:

a special function switch affixed to the card base that provides an input into the computer to control the function of the electronic card.

8. An electronic card as recited in claim 1, wherein the data packet is comprised of data representing a personal coupon and an alias that are readable by the standard magnetic stripe reader.

9. An electronic card as recited in claim 8, wherein the electronic card is a credit card.

10. An electronic card as recited in claim 1, wherein the electronic card is a security card used in a security system.

11. An electronic card as recited in claim 1, wherein the card base is comprised of a printed circuit board.

12. An electronic card as recited in claim 11, further comprising:

a protective film encapsulating at least a portion of the printed circuit board and the components attached to the printed circuit board.

13. An electronic card as recited in claim 1, wherein the data packet is comprised of data necessary to generate a personal coupon.

18. An electronic card as recited in claim 11, further comprising:

a protective film encapsulating at least a portion of the printed circuit board and the components attached to the printed circuit board.

14. An electronic card, comprising:

a card base having a printed circuit board;

a computer affixed to the printed circuit board;

a display controlled by the computer;

a keypad attached to the card base for inputting information into the computer;

a magnetic storage medium affixed to the card that can be read by a standard magnetic stripe reader;

an encoder for generating a data packet that is stored in a designated portion of the magnetic storage medium; and

a power source for supplying power to the computer and the encoder;

wherein the electronic card is sized such that the magnetic storage medium can be read by a standard magnetic stripe reader; and

wherein the magnetic storage medium and the encoder are comprised of a dynamic thin film magnetic encoder.

15. An electronic card as recited in claim 14, wherein the data packet can be temporarily stored in and erased from the magnetic storage medium.

16. An electronic card as recited in claim 15, wherein the data packet is comprised of data representing a personal coupon that is readable by the standard magnetic stripe reader.

17. An electronic card as recited in claim 15, wherein the data packet is comprised of data representing an alias that is readable by the standard magnetic stripe reader.