Advanced dynamic credit cards

• US 8,302,872 B2
• Filed: 07/20/2011
• Issued: 11/06/2012
• Est. Priority Date: 12/24/2007
• Status: Active Grant

• Current Assignee: Dynamics Inc.
• Original Assignee: Dynamics Inc.
• Inventors: Mullen, Jeffrey D.
• Primary Examiner(s): WALSH, DANIEL I
• Application Number:
  US13/187,454
• Publication Number:
  US 20110272479A1
• Time in Patent Office: 475 Days
• Field of Search: 235379-381, 235/487, 235492-493, 705 41- 44
• US Class Current: 235/493
• CPC Class Codes: A61B 5/02 Detecting, measuring or recording pulse, heart rate, blood pressure or blood flow; Combined pulse/heart-rate/blood pressure determination; Evaluating a cardiovascular condition not otherwise provided for, e.g. using combinations of techniques provided for in this group with electrocardiography or electroauscultation; Heart catheters for measuring blood pressure
• CPC Class Codes: A61B 5/02042 Determining blood loss or bleeding, e.g. during a surgical procedure
• CPC Class Codes: G06F 3/0488 using a touch-screen or digitiser, e.g. input of commands through traced gestures
• CPC Class Codes: G06K 19/06187 with magnetically detectable marking
• CPC Class Codes: G06K 19/06206 the magnetic marking being emulated
• CPC Class Codes: G06K 19/07 with integrated circuit chips
• CPC Class Codes: G06K 19/0702 the arrangement including a battery
• CPC Class Codes: G06K 19/0704 the battery being rechargeable, e.g. solar batteries
• 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: G06K 19/0725 the arrangement being a circuit for emulating a plurality of record carriers, e.g. a single RFID tag capable of representing itself to a reader as a cloud of RFID tags
• CPC Class Codes: G06K 19/07345 by activating or deactivating at least a part of the circuit on the record carrier, e.g. ON/OFF switches
• CPC Class Codes: G06K 19/07703 the interface being visual
• CPC Class Codes: G06K 19/07705 the visual interface being a single light or small number of lights capable of being switched on or off, e.g. a series of LEDs
• CPC Class Codes: G06K 19/07707 the visual interface being a display, e.g. LCD or electronic ink
• CPC Class Codes: G06K 19/07709 the interface being a keyboard
• 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 19/0775 arrangements for connecting the integrated circuit to the antenna
• CPC Class Codes: G06K 19/07766 comprising at least a second communication arrangement in addition to a first non-contact communication arrangement
• CPC Class Codes: G06K 19/07769 the further communication means being a galvanic interface, e.g. hybrid or mixed smart cards having a contact and a non-contact interface
• CPC Class Codes: G06K 19/07773 Antenna details antennas for wireless devices, e.g. RFID tags, in general H01Q1/22
• CPC Class Codes: G06K 19/083 : Constructional details
• CPC Class Codes: G06K 7/0004 : Hybrid readers
• CPC Class Codes: G06K 7/084 : sensing magnetic material by relative movement detecting flux changes without altering its magnetised state
• CPC Class Codes: G06K 7/087 : flux-sensitive, e.g. magnetic, detectors G06K7/10336 takes precedence
• CPC Class Codes: G06K 7/10297 : arrangements for handling protocols designed for non-contact record carriers such as RFIDs NFCs, e.g. ISO/IEC 14443 and 18092 cryptographic protocols H04L9/00; network security protocols H04L63/00; real-time communication protocols in data switching networks H04L65/00; network protocols for data switching network services H04L67/00
• CPC Class Codes: G06Q 20/18 : involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/20 : Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/34 : using cards, e.g. integrated circuit [IC] cards or magnetic cards
• 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 20/352 : Contactless payments by cards
• CPC Class Codes: G06Q 20/385 : using an alias or single-use codes
• CPC Class Codes: G06Q 20/401 : Transaction verification
• CPC Class Codes: G06Q 30/0222 : During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0241 : Advertisements
• CPC Class Codes: G06Q 30/0277 : Online advertisement
• CPC Class Codes: G06Q 30/0641 : Shopping interfaces
• CPC Class Codes: G06T 2207/10024 : Color image
• CPC Class Codes: G06T 2207/30004 : Biomedical image processing
• CPC Class Codes: G06T 7/62 : of area, perimeter, diameter or volume
• CPC Class Codes: G06V 10/24 : Aligning, centring, orientation detection or correction of the image
• CPC Class Codes: G06V 10/25 : Determination of region of interest [ROI] or a volume of interest [VOI]
• CPC Class Codes: G06V 2201/03 : Recognition of patterns in medical or anatomical images
• CPC Class Codes: G07F 7/0806 : Details of the card record carriers per se G06K
• 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 credit card is provided that may include a credit card number, where at least a portion of the credit card number changes periodically. A magnetic emulator and/or magnetic stripe encoder may be provided to communicate at least a portion of the information needed to complete a credit card transaction to a credit card reader. For example, a magnetic emulator may be provided about a magnetic stripe so that the magnetic emulator communicates the information that changes and the magnetic stripe communicates the information that does not change. In doing so, the amount of power used by a credit card may be reduced with respect to a credit card that communicates, for example, all of the information with a magnetic emulator.

Claims

1. A payment card comprising:

a battery;

a first track area operable to communicate a first track of magnetic stripe information, wherein said first track area includes;

a first electronic device operable to provide a first portion of said first track of magnetic stripe information without using a magnetic stripe;

a magnetic stripe operable to provide a second portion of said first track of magnetic stripe information, wherein said magnetic stripe is located to one side of said first electronic device and said magnetic stripe is not located over said first electronic device; and

a second track area operable to communicate a second track of magnetic stripe information, wherein said second track area includes a second electronic device operable to provide said second track of magnetic stripe information without using a magnetic stripe, wherein said magnetic stripe is not located over said second electronic device.

2. The payment card of claim 1, further comprising a first display, wherein at least a portion of said first portion is displayed on said first display.

3. The payment card of claim 1, further comprising:

a first display; and

a second display, wherein at least a portion of said second track of magnetic stripe information is displayed on said second display.

4. The payment card of claim 1, further comprising:

a first display, wherein at least a portion of said first portion is displayed on said first display; and

a second display, wherein at least a portion of said second track of magnetic stripe information is displayed on said second display.

5. The payment card of claim 1 further comprising a processor.

6. The payment card of claim 1 further comprising:

a user interface; and

a processor.

7. The payment card of claim 1 further comprising:

a first display; and

a second display, wherein at least one of said first and second displays is a touch sensitive display.

8. The payment card of claim 1 further comprising:

a first display; and

a second display, wherein said first display displays at least a portion of a payment card number and said second display displays at least a portion of a security code number.

9. The payment card of claim 1, further comprising:

a processor; and

a first display, wherein said processor is operative to change data displayed on said first display, and wherein said first electronic device is operative to communicate said changed data.

10. The payment card of claim 1, further comprising:

a processor;

a first display; and

a second display, wherein said processor is operative to change data displayed on said second display, and wherein said second electronic device is operative to communicate said changed data.

11. The payment card of claim 1 further comprising:

a first user interface; and

a first display, wherein at least a portion of said first portion is displayed on said first display based on a signal from said first user interface.

12. The payment card of claim 1 further comprising:

a first user interface;

a first display, wherein at least a portion of said first portion is displayed on said first display based on a signal from said first user interface;

a second user interface; and

a second display, wherein at least a portion of said second track of magnetic stripe information is displayed on said second display based on a signal from said second user interface.

13. The payment card of claim 1 further comprising:

a third track area for communicating a third track of magnetic stripe information, wherein said third track area includes;

a third electronic device for providing a first portion of said third track of magnetic stripe information; and

a second magnetic stripe for providing a second portion of said third track of magnetic stripe information, wherein said second magnetic stripe is located to one side of said third electronic device and said second magnetic stripe is not located over said third electronic device.

14. The payment card of claim 1, further comprising an RFID antenna.

15. The payment card of claim 1, further comprising:

an RFID antenna; and

an IC chip.

16. The payment card of claim 1, further comprising:

an RFID antenna;

an IC chip; and

a processor.

17. The payment card of claim 1, further comprising:

an RFID antenna;

an IC chip;

a processor; and

a first button.

18. The payment card of claim 1, further comprising:

an RFID antenna;

an IC chip;

a processor;

a first button; and

a second button.