Payment card dynamically receiving power from external source

• US 8,381,995 B2
• Filed: 07/14/2011
• Issued: 02/26/2013
• Est. Priority Date: 03/12/2007
• Status: Active Grant

• Current Assignee: Bank of America Corp., Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Bank of America Corp., Visa USA, Inc. (Visa, Inc.)
• Inventors: Faith, Patrick L., Twombly, Steven M.
• Primary Examiner(s): LEE, SEUNG H
• Application Number:
  US13/182,688
• Publication Number:
  US 20120012660A1
• Time in Patent Office: 593 Days
• Field of Search: 235/380, 235/449, 235/492, 235/493
• US Class Current: 235/492
• CPC Class Codes: G06K 19/06196 Constructional details
• 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 19/07703 the interface being visual
• CPC Class Codes: G06K 19/083 Constructional details
• CPC Class Codes: G06Q 20/388 using mutual authentication without cards, e.g. challenge-response
• 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 payment card with a display and/or dynamic magnetic stripe that operates using power received from an electro-magnetic/RF signal, without the need for incorporating a battery within the payment card. In one example, a payment card includes a receiver for receiving an external electro-magnetic signal and converting it to an electrical signal for powering the payment card; a CPU coupled with the electrical signal of the receiver; a display (i.e., a persistent display) for displaying data, wherein the display receives power based on the electrical signal from the receiver; and a dynamic magnetic stripe storing magnetically readable data, wherein the dynamic magnetic stripe receives power based on the electrical signal from the receiver. Responsive to the electro-magnetic signal received by the payment card, the data displayed on the display and stored in the dynamic magnetic stripe is changed. Methods relating to a payment card are also disclosed.

Claims

1. A payment card comprising:

a receiver to receive an external electro-magnetic signal, said receiver operable to convert said electro-magnetic signal to an electrical signal for powering the payment card;

a CPU coupled with the electrical signal of the receiver, the CPU operable to generate one or more data signals; and

a display to receive at least one of the one or more data signals from the CPU, wherein the display is operable to display security data and to receive power based on the electrical signal from the receiver,

wherein, responsive to the electro-magnetic signal received by the payment card, the CPU changes the security data displayed on the display.

2. The payment card of claim 1, wherein the payment card does not include a battery.

3. The payment card of claim 1, wherein the security data displayed on the display changes after the payment card is used in a transaction.

4. The payment card of claim 1, wherein the display is a persistent display that, once written, is operable to display the security data persistently and maintain the display of the security data until the persistent display is re-written.

5. The payment card of claim 4, wherein the display is re-written after the payment card has been moved outside of an electro-magnetic field that produced the electro-magnetic signal.

6. The payment card of claim 1, wherein the CPU is operable to change the security data displayed on the display after the payment card has been moved outside of an electro-magnetic field that produced the electro-magnetic signal.

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

a dynamic magnetic stripe to store magnetically readable data, the dynamic magnetic stripe operable to receive at least one of the one or more data signals, wherein based in part on the electro-magnetic signal received by the payment card, the CPU is operable to change one or more portions of the magnetically readable data contained in the dynamic magnetic stripe.

8. The payment card of claim 7, further comprising:

a voltage regulator coupled with the receiver;

one or more level shifting circuits coupled with the voltage regulator, the one or more level shifting circuits operable to convert a voltage at a first voltage level from the voltage regulator to a second voltage at a second voltage level, the second voltage adapted to be coupled with the dynamic magnetic stripe.

9. The payment card of claim 7, wherein the CPU is operable to change the magnetically readable data stored by the dynamic magnetic stripe after the payment card has been moved outside of an electro-magnetic field that produced the electro-magnetic signal.

10. A payment card comprising:

a receiver to receive an external electro-magnetic signal, said receiver operable to convert said electro-magnetic signal to an electrical signal for powering the payment card;

a CPU coupled with the electrical signal of the receiver, the CPU operable to generate one or more data signals; and

a dynamic magnetic stripe to store magnetically readable data, the dynamic magnetic stripe operable to receive at least one of the one or more data signals from the CPU including unique transaction data, wherein the dynamic magnetic stripe is further operable to receive power based on the electrical signal from the receiver,

wherein, responsive to the electro-magnetic signal received by the payment card, the CPU changes the unique transaction data stored on the dynamic magnetic stripe.

11. The payment card of claim 10, wherein the payment card does not include a battery.

12. The payment card of claim 10, wherein the unique transaction data is generated after the payment card is used in a transaction.

13. The payment card of claim 10, wherein the unique transaction data is generated after the payment card has been moved outside of an electro-magnetic field that produced the electro-magnetic signal.

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

a display to receive at least one of the one or more data signals from the CPU, wherein the display is operable to display security data.

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

a voltage regulator coupled with the receiver;

one or more level shifting circuits coupled with the voltage regulator, the one or more level shifting circuits operable to convert a voltage at a first voltage level from the voltage regulator to a second voltage at a second voltage level, the second voltage adapted to be coupled with the dynamic magnetic stripe.

16. The payment card of claim 15, wherein the CPU is operable to change the magnetically readable data stored by the dynamic magnetic stripe after the payment card has been moved outside of an electro-magnetic field that produced the electro-magnetic signal.

17. A payment card comprising:

a receiver to receive an external electro-magnetic signal, said receiver operable to convert said electro-magnetic signal to an electrical signal for powering the payment card;

one or more energy storage elements, coupled with the receiver, to store energy received from the electro-magnetic signal;

a CPU coupled with the electrical signal of the receiver, the CPU operable to generate one or more data signals;

a display to receive at least one of the one or more data signals from the CPU and display data based on the one or more data signals,

wherein, the CPU changes the data displayed on the display in response to the electro-magnetic signal received by the payment card.

18. The payment card of claim 17, wherein the one or more energy storage elements includes an inductor.

19. The payment card of claim 17, wherein the one or more energy storage elements includes a capacitor.

20. The payment card of claim 17, wherein the payment card does not include a battery.

21. The payment card of claim 17, wherein the display is a persistent display that, once written, is operable to display the security data persistently and maintain the display of the security data until the persistent display is re-written.

22. A payment card comprising:

a receiver to receive an external electro-magnetic signal, said receiver operable to convert said electro-magnetic signal to an electrical signal for powering the payment card;

one or more energy storage elements, coupled with the receiver, to store energy received from the electro-magnetic signal;

a CPU coupled with the electrical signal of the receiver, the CPU operable to generate one or more data signals; and

a dynamic magnetic stripe to store magnetically readable data, the dynamic magnetic stripe operable to receive at least one of the one or more data signals from the CPU, wherein the dynamic magnetic stripe is further operable to receive power based on the electrical signal from the receiver.

23. The payment card of claim 22, wherein the one or more energy storage elements includes an inductor.

24. The payment card of claim 22, wherein the one or more energy storage elements includes a capacitor.

25. The payment card of claim 22, wherein the one or more data signals from the CPU includes unique transaction data.