Magnetic stripe card with dynamic numbers

• US 7,246,752 B2
• Filed: 04/28/2006
• Issued: 07/24/2007
• Est. Priority Date: 12/17/2003
• Status: Active Grant

• Current Assignee: Fitbit, Inc. (Alphabet Inc.)
• Original Assignee: Qsecure Inc.
• Inventors: Brown, Kerry Dennis
• Primary Examiner(s): FUREMAN, JARED
• Application Number:
  US11/414,757
• Publication Number:
  US 20060192006A1
• Time in Patent Office: 452 Days
• Field of Search: 235/493, 235/449, 705/41, 705/44, 705/65, 705/66, 705/67, 360/241.1, 360/57, 360/63, 360/2, 360/6
• US Class Current: 235/493
• CPC Class Codes: G06K 19/06187 with magnetically detectable marking
• CPC Class Codes: G06K 19/06196 Constructional details
• CPC Class Codes: G06K 19/07 with integrated circuit chips
• CPC Class Codes: G06K 19/0723 the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
• 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 20/343 Cards including a counter
• CPC Class Codes: G06Q 20/354 Card activation or deactivation
• CPC Class Codes: G07F 7/082 Features insuring the integrity of the data on or in the card
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A magnetic stripe card includes a magnetic stripe, a plurality of magnetic write heads, and data circuitry. The magnetic stripe stores magnetic fields indicative of a dynamic number. The plurality of magnetic write heads located under the magnetic stripe generates the magnetic fields to write bits of the dynamic number onto the magnetic stripe. The data circuitry generates the dynamic number and sequentially provides the bits of the dynamic number to the plurality of the magnetic write heads.

Claims

1. A user access card, comprising:

a magnetic stripe for supporting permanently recorded magnetic data bits along data tracks on a exposed surface of a card that can be read by a card reader access device;

a plurality of magnetic-transducer write heads particularly located under at least one of a plurality of recording data bit positions disposed along said data tracks in the magnetic stripe;

a data generator connected to the plurality of magnetic-transducer write heads and providing for autonomous dynamic control of magnetic data bit values associated with individual particular ones of said plurality of recording data bit positions;

a detector disposed in the magnetic stripe and providing for an automatic trigger to the data generator to produce new data bit values and for the plurality of magnetic-transducer write heads to record such as magnetic recording data bits;

wherein, a complete user access number can be recorded in parallel as a mixture of permanent and dynamic magnetic recording data bits that are readable in serial by said card reader access device.

2. The magnetic stripe card of claim 1, further comprising:

a single array in which are disposed all of said magnetic-transducer write heads.

3. The magnetic stripe card of claim 1, further comprising:

a plurality of crypto numbers supplied to the data generator to constitute a dynamic portion of the user account number.

4. The magnetic stripe card of claim 1, further comprising:

a unique usage-counter number generated on the magnetic stripe to match a parallel number maintained at a card acquirer processing center.

5. An access card processing system, comprising:

a card reader access device for serially reading magnetic data and formulating an approval request message;

a validation processing center for storing a last incrementing usage number and for receiving said approval request message, and for generating a card acquirer approval message;

an issuing bank for receiving said card acquirer approval message, and for authorizing a transaction by a user with a dynamic numerical analysis;

an access card with a magnetic stripe for supporting permanently recorded magnetic data bits along data tracks on a exposed surface of a card that can be read by said card reader access device, and a plurality of magnetic-transducer write heads particularly located under at least one of a plurality of recording data bit positions disposed along said data tracks in the magnetic stripe; and

a dynamic number encoded in said approval request message by said plurality of magnetic-transducer write heads for communication through the card reader access device to the validation processing center.

6. The access card system of claim 5, wherein:

said validation processing center provides for storing a last incrementing usage number and for detecting an out-of-sequence transaction.

7. The access card system of claim 5, wherein:

the dynamic number includes a unique algorithm composed of at least two factors that include data related to a user in order to provide unpredictable results not in a sequential manner.