Transaction card with improved security features

• US 8,256,667 B2
• Filed: 01/18/2011
• Issued: 09/04/2012
• Est. Priority Date: 01/19/2010
• Status: Active Grant

• Current Assignee: Amir Poznansky, Asher Yahalom, Haim Cohen
• Original Assignee: Amir Poznansky, Asher Yahalom, Haim Cohen
• Inventors: Poznansky, Amir, Yahalom, Asher, Cohen, Haim
• Primary Examiner(s): Haupt, Kristy A
• Application Number:
  US13/008,302
• Publication Number:
  US 20110174874A1
• Time in Patent Office: 595 Days
• Field of Search: 235/380, 235/449, 235/493
• US Class Current: 235/380
• CPC Class Codes: G06K 19/06206 the magnetic marking being emulated
• CPC Class Codes: G06K 19/12 the marking being sensed by magnetic means
• CPC Class Codes: G06Q 20/347 Passive cards
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/0813 Specific details related to card security
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence

Abstract

A transaction card with improved security features, comprising: an authentication unit and a magnetic stripe wherein parts of the magnetic field pattern of said magnetic stripe are generated by currents running through coils only after the authentication unit authenticates the transaction card holder. One or more sensors detect attempts to read the card by two magnetic heads, and block the card if a cloning attempt is suspected. The transaction card is thus closed for transactions in a normal state, and the magnetic information is not readable. Only after the card holder authentication, then currents are run through the coils to generate the magnetic information and make the magnetic stripe readable by commercial devices. Authentication means may include entering a PIN via a keyboard, entering a PIN via a keypad, voice recognition identification of one or more voices, biometric identification, or identification via a connection to a remote device.

Claims

1. A transaction card, comprising:

(i) an authentication unit for authenticating the transaction card holder;

(ii) a magnetic stripe wherein parts of the magnetic field pattern of said magnetic stripe are generated by currents running through pickup coils only after said authentication unit authenticates the transaction card holder; and

(iii) one or more sensors located along the magnetic stripe in order to detect if the transaction card is being read by two reading magnetic heads at the same time,

wherein the transaction card is blocked by stopping the currents from running through said pickup coils when a second reading magnetic head is detected.

2. The transaction card according to claim 1, wherein said one or more sensors are one or more Micro Electro Mechanical System (MEMS) pressure nanosensors that detect the pressure pulse induced by a reading magnetic head, wherein if the pressure nanosensors detect two pressure pulses corresponding to two reading magnetic heads while the magnetic stripe is being read then the one of the reading magnetic heads is assumed to be a fraudulent reading magnetic.

3. The transaction card according to claim 1, wherein said one or more sensors are magnetic sensors.

4. The transaction card according to claim 3, wherein said one or more magnetic sensors are TESLA magnetic sensors.

5. The transaction card according to claim 3, wherein said one or more magnetic sensors are the transaction card'"'"'s pickup coils used for partial emulation, wherein said pickup coils detect changes in the magnetic flux.

6. The transaction card according to claim 1, wherein said authentication unit authenticates the transaction card holder after entering a PIN via a keyboard, entering a PIN via a keypad, voice recognition identification of one or more voices, biometric identification, identification via a connection to a remote device or any combination thereof.

7. The transaction card according to claim 6, wherein the keys of said keyboard or keypad are implemented by LCD touch screen elements and the keyboard'"'"'s or keypad'"'"'s layout is changed after each key entry.

8. The transaction card according to claim 1, wherein the transaction card'"'"'s communication channel as defined by International Organization for Standardization (ISO) 7816 is disabled until said authentication unit authenticates the transaction card holder.

9. The transaction card according to claim 8, wherein disabling the 7816 communication channel is achieved by using the Mosfet gate to enable and disable the power pin of the 7816 connector.

10. The transaction card according to claim 9, wherein disabling and/or enabling the magnetic stripe'"'"'s continuity, and/or the 7816 MOSFET gate, is achieved by using a blocking unit, based on Micro Electro Mechanical System (MEMS) pressure sensor, or TESLA sensors, in order to detect illegal magnetic reader.

11. The transaction card according to claim 8, further comprising a PSU (power supply unit), RF charging, and direct connection to the 7816 power terminal, moreover using the Piezoresistive Pressure line—

MEMS'"'"'s current for charging the transaction card'"'"'s battery.

12. The transaction card according to claim 1, wherein at least one coil is placed at the beginning of the magnetic stripe.

13. The transaction card according to claim 1, wherein at least one coil is placed at track 2 in the pin code position.

14. The transaction card according to claim 1, wherein after said authentication unit authenticates the transaction card holder, the transaction card is made available for a predetermined amount of transactions, for a predetermined amount of time or both.

15. The transaction card according to claim 1, further comprising near field communication capabilities, such as RFID.

16. The transaction card according to claim 1, wherein said authentication unit authenticates the transaction via the transaction card holder'"'"'s mobile phone.

17. The transaction card according to claim 16, wherein the authentication via said mobile phone involves transmitting the transaction card holder'"'"'s ID, the transaction card'"'"'s ID and optionally the face amount'"'"'s required.

18. The transaction card according to claim 16, wherein the authentication via said mobile phone use for remote charging of cash money balance by the remote payment mode, via the mobile phone to the CPU unit, and clearing the money by the cash mode of the transaction card'"'"'s 7816 connector.

19. The transaction card according to claim 1, wherein said authentication unit authenticates the transaction card via a connection to a remote device.

20. The transaction card according to claim 1, wherein said transaction card is a credit card.

21. A transaction card, comprising:

a magnetic stripe having a magnetic field pattern, fewer than all parts of the magnetic field pattern being generated by currents running through pickup coils after a transaction card holder is authenticated; and

one or more sensors located along the magnetic stripe to sense when the transaction card is being read concurrently by more than one reading magnetic head,

wherein the transaction card is blocked by stopping the currents from running through the pickup coils, when the one or more sensors sense that the transaction card is being read by more than one magnetic head at the same time.