Intelligent credit card system

• US 7,753,266 B2
• Filed: 03/02/2008
• Issued: 07/13/2010
• Est. Priority Date: 10/16/2000
• Status: Expired due to Fees

• Current Assignee: Scott C Harris
• Original Assignee: Harris Technology LLC
• Inventors: Harris, Scott C.
• Primary Examiner(s): ST CYR, DANIEL
• Application Number:
  US12/040,911
• Publication Number:
  US 20080308625A1
• Time in Patent Office: 863 Days
• Field of Search: 235/380, 235/382, 235/487, 235/492, 235/385
• US Class Current: 235/380
• CPC Class Codes: G06K 19/044 comprising galvanic contacts for contacting an integrated circuit chip thereon
• CPC Class Codes: G06K 19/0718 the sensor being of the biometric kind, e.g. fingerprint sensors fingerprint sensors in general G06V40/13; biometric access-control systems in general, see G07C9/00
• CPC Class Codes: G06K 19/0728 the arrangement being an optical or sound-based communication interface
• CPC Class Codes: G06K 19/07733 the record carrier containing at least one further contact interface not conform ISO-7816
• CPC Class Codes: G06K 19/07743 External electrical contacts
• CPC Class Codes: G06K 19/07749 the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card
• CPC Class Codes: G06K 7/0021 for reading/sensing record carriers having surface contacts
• CPC Class Codes: G06K 7/0047 for reading/sensing record carriers having edge contacts
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/3415 Cards acting autonomously as pay-media
• CPC Class Codes: G06Q 20/353 Payments by cards read by M-devices
• CPC Class Codes: G06Q 20/40145 Biometric identity checks

Abstract

A new credit card system which enables improved reading and other operations. Reading can be done in the short edge of the credit card thereby shortening the aspect ratio and size of the card reader. The reader can be electrical, reading information via contacts, or can be optical readers.

Claims

1. An assembly comprising:

a housing, operative to house plural different circuit elements therein, said circuit elements being associated with functions of a credit card;

a first electronic circuit, mounted within the housing, that stores electronic information indicative of a credit card number;

an encryption device, mounted within the housing, and which is operative to carry out an encryption operation that verifies that an action by the circuit elements associated with the credit card have been actually carried out at a current time, and that said action was not one carried out at a previous time, and said encryption device being in communication with said first electronic circuit and receiving said electronic information therefrom; and

a communication device, that carries out electronic communication between said encryption device and an external device, including providing information that verifies cryptologically that said action was carried out at said current time.

2. A credit card as in claim 1, wherein said encryption device produces a session key that is indicative of a specified session that is occurring at a specified time.

3. A credit card as in claim 2, wherein said session key includes information indicative of a real-time clock.

4. A system as in claim 1, wherein said communication part carries out communication via a wireless RF connection.

5. A device as in claim 1, further comprising a biometric part, which detects biometric information indicative of a biometric of a user operating the biometric part, and sends said biometric information using said communication device.

6. A device as in claim 5, further comprising a removable chip carrying out said biometric part, said removable chip being selectively coupled to said housing at a first time, and removed from said housing at a second time, and allowing said assembly to carry out a first function when said removable chip is coupled to said housing, and preventing said assembly from carrying out said first function when said removable chip is removed from said housing.

7. An assembly comprising:

a credit card housing, operative to house plural different circuit elements therein;

a first electronic circuit, mounted within the credit card housing, that stores electronic information indicative of a credit card number;

an encryption device, mounted within the credit card housing, and which is operative to carry out an encryption operation that verifies the credit card as being authorized, and said encryption device being in communication with said first electronic circuit and receiving said electronic information therefrom; and

a communication device, that carries out electronic communication between said encryption device and an external device, including carrying out said encryption operation with said external device in a way that verifies said electronic information indicative of said credit card number as being authorized, and, further comprising an element which detects a physical location of the credit card, and also communicates said physical location using said communication device.

8. A method, comprising:

storing first electronic information indicative of credit card information, in a device in a housing;

storing second electronic information indicative of encryption information within said device in said housing;

using said encryption information to determine that the credit card information has been obtained at a specific time of the request;

wirelessly receiving an interrogation in said housing from a remote device;

responsive to said interrogation, communicating to said remote device, said communicating using both said encryption information and said credit card information, said communication carrying out an encryption operation that verifies that an action by the circuit elements associated with the credit card have been actually carried out at a current time, and that said action was not one carried out at a previous time, and providing information that enables verifying cryptologically that said action was carried out at said current time.

9. A method as in claim 8, wherein said encryption information includes a session key.

10. A method as in claim 8, further comprising obtaining biometric information, and wherein said communicating also uses said biometric information.

11. A method as in claim 8, further comprising determining position information, and wherein said communicating also uses said position.

12. A method as in claim 8, further comprising using a removable part on the credit card to obtain a first item of information at a first time when the removable part is installed, and removing said removable part at a second time, such that said first item of information cannot be obtained while said removable part is removed.

13. A method as in claim 12, and wherein said removable part is a biometric reader device.

14. An assembly comprising:

a credit card housing, operative to house plural different circuit elements therein;

electronic circuitry within the credit card housing, including at least a first electronic part that stores electronic information indicative of credit card information;

a removable chip, that is selectively coupled to said housing, and removed from said housing, where said removable chip carries an encryption key that can be used when said chip is attached, and where said encryption key cannot be carried out when said chip is removed; and

a communication device, that carries out electronic communication with an external device, said electronic communication including information indicative of said first function, and information indicative of said credit card information.

15. An assembly as in claim 14, further comprising an encryption device, mounted within the credit card housing, and which is operative to carry out an encryption operation that verifies the credit card as being authorized, and said encryption device being in communication with said first electronic circuit and receiving said electronic information therefrom;

wherein said including carrying out said encryption operation with said external device in a way that verifies said electronic information indicative of said credit card number as being authorized.

16. An assembly as in claim 14, wherein said removable chip is a biometric reader which detects biometric information indicative of a biometric of a user operating the biometric part, and sends said biometric information using said communication device.

17. An assembly as in claim 14, wherein said communication part carries out communication via a wireless RF connection.

18. An assembly comprising:

a credit card housing, operative to house plural different circuit elements therein;

a first electronic circuit, mounted within the credit card housing, that stores electronic information indicative of credit card information;

an encryption device, mounted within the credit card housing, and which is operative to carry out an encryption operation based on a session key, said encryption device including a real time clock, and where said session key is formed using said real time clock, and said encryption device being in communication with said first electronic circuit and receiving said electronic information therefrom; and

a communication device, that carries out electronic communication between said encryption device and an external device responsive to an interrogation, including carrying out said encryption operation with said external device in a way that verifies that said credit card has been obtained at a time of the interrogation.

19. An assembly as in claim 18 wherein said communication part carries out communication via a wireless RF connection.