Transaction cards having dynamically reconfigurable data interface and methods for using same
First Claim
1. An active stripe card compatible with a magnetic stripe card reader that is configured to read statically implemented magnetic stripe cards, said active stripe card being configured to exchange data with said magnetic stripe card reader, comprising:
- a card base;
a dynamically reconfigurable data interface disposed on said card base, said dynamically reconfigurable data interface having at least a set of dynamically reconfigurable data bearing portions that includes at least a first dynamically reconfigurable data bearing portion;
reconfiguration controller circuitry coupled to said set of dynamically reconfigurable data bearing portions;
control logic circuitry coupled to said reconfiguration controller circuitry, said control logic circuitry being configured to provide a first data pattern to said reconfiguration controller circuitry to cause a second data pattern that includes at least a portion of the information contained in said first data pattern to be manifested on said dynamically reconfigurable data interface, thereby rendering said second data pattern to be readable by said magnetic stripe card reader, wherein at least one of said first data pattern and said second data pattern represents a time-varying serial data stream, wherein each data value in said time-varying serial data stream is a function of time; and
a swipe direction detector coupled with said control logic circuitry, wherein each of said first data pattern and said second data pattern changes responsive to a swipe direction of said active card with respect to said card reader, said swipe direction ascertained via said swipe direction detector.
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Accused Products
Abstract
Apparatuses and methods backward compatible with existing card processing infrastructure are provided to furnish dynamically configurable data to a card reader to facilitate transactions such as credit card transactions. The inventive apparatuses and methods are operable even with card readers configured to read statically implemented data, such as statically implement magnetic stripe data and/or statically printed bar codes. Techniques are also provided to take advantage of features of the inventive apparatus and method to substantially reduce or to eliminate transaction fraud and to improve efficiency for cardholders, card issuers, and intermediary institutions.
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Citations
36 Claims
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1. An active stripe card compatible with a magnetic stripe card reader that is configured to read statically implemented magnetic stripe cards, said active stripe card being configured to exchange data with said magnetic stripe card reader, comprising:
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a card base; a dynamically reconfigurable data interface disposed on said card base, said dynamically reconfigurable data interface having at least a set of dynamically reconfigurable data bearing portions that includes at least a first dynamically reconfigurable data bearing portion; reconfiguration controller circuitry coupled to said set of dynamically reconfigurable data bearing portions; control logic circuitry coupled to said reconfiguration controller circuitry, said control logic circuitry being configured to provide a first data pattern to said reconfiguration controller circuitry to cause a second data pattern that includes at least a portion of the information contained in said first data pattern to be manifested on said dynamically reconfigurable data interface, thereby rendering said second data pattern to be readable by said magnetic stripe card reader, wherein at least one of said first data pattern and said second data pattern represents a time-varying serial data stream, wherein each data value in said time-varying serial data stream is a function of time; and a swipe direction detector coupled with said control logic circuitry, wherein each of said first data pattern and said second data pattern changes responsive to a swipe direction of said active card with respect to said card reader, said swipe direction ascertained via said swipe direction detector. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. An active card compatible with a card reader, said card reader representing one of a card reader that is configured to read statically implemented magnetic stripe cards and a bar code reader that is configured to read statically printed bar codes, said active card being configured to exchange data with said card reader, comprising:
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a card base; dynamically reconfigurable data providing means attached to said card base, said dynamically reconfigurable data providing means being configured to provide said card reader a first data pattern for a first transaction that is different from a second data pattern for a second data transaction, said second data pattern also provided to said card reader by said dynamically reconfigurable data providing means, wherein at least one of said first data pattern and said second data pattern represents a time-varying serial data stream, wherein each data value in said time-varying serial data stream is a function of time; and a swipe direction detector coupled with said dynamic reconfigurable data providing means, wherein each of said first data pattern and said second data pattern changes responsive to a swipe direction of said active card with respect to said card reader, said swipe direction ascertained via said swipe direction detector. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36)
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Specification