Intelligent credit card system

• US 8,444,053 B2
• Filed: 11/28/2011
• Issued: 05/21/2013
• 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:
  US13/304,966
• Publication Number:
  US 20120067949A1
• Time in Patent Office: 540 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. A credit card assembly comprising:

a credit card having a first electronic circuit that stores electronic information that is uniquely indicative of the credit card, said credit card having a processor in communication with said first electronic circuit and receiving said electronic information, and said processor creating a session value based on said electronic information,

a power receiver, which receives external power; and

a communication device, that operates responsive to sensing that said power receiver has received said external power, and which communicates at least said session value to a remote authorization device.

2. The credit card assembly as in claim 1, further comprising a memory storing at least one encryption value, said session value being a value from which said encryption value cannot be ascertained, and said session value being a new value that was not used at a previous time.

3. The credit card assembly as in claim 2, wherein said session value requires encrypting at least one of a current date and/or time.

4. The credit card assembly as in claim 1, further comprising a location detecting part that determines a current location electronically, and sends information indicative of said current location as part of communicating said session value by said communication device.

5. The credit card assembly as in claim 1, wherein said credit card assembly requires an entry of a personal identification number prior to carrying out at least one transaction.

6. The credit card assembly as in claim 1, wherein said first electronic circuit is one that is read by a reader on a credit card reading slot.

7. The credit card assembly as in claim 1, wherein said communication device communicates said electronic information wirelessly, wherein said communication device begins communicating automatically upon detecting a communication with an authorization device.

8. The credit card assembly as in claim 1, wherein said communication device communicates said session value including said electronic information wirelessly as a wireless communication, and said credit card receives power from said wireless communication.

9. A system of transferring credit card information, comprising:

a credit card information storing device, storing credit card information electronically;

a power receiver, which receives external power;

a processor, running a program automatically based on receiving said external power, that automatically receives said credit card information from said credit card storing device, and automatically sending a transaction request over a network using said credit card information.

10. The system as in claim 9 further comprising at least one encryption value stored in the credit card, and said sending the transaction request comprises using said at least one encryption value to encrypt the credit card information to form a message from which said credit card information can be verified at a current time, but which cannot be used to create another value from which the credit card can be verified at a different time.

11. The system as in claim 10, wherein said encryption value includes an encrypted version of at least one of a current date and/or time.

12. The system as in claim 9, wherein said transaction request is sent wirelessly from the credit card using a wireless communication device.

13. The system as in claim 9, wherein said information transferring device is part of a portable device in a self contained housing that communicates over the internet and carries out other communication over the internet that do not involve the credit card.

14. The system as in claim 9, further comprising a sound producing device, that produces a first sound to indicate that the transaction has been accepted, and produces a second different sound to indicate that the transaction has not been accepted.

15. The system as in claim 9, further comprising a part that determines a current location electronically, and sends information indicative of said current location as part of the transaction request.

16. A system, comprising:

a portable device in a self contained housing, said portable device communicating over the internet;

said portable device reading electronic information indicative of a credit card, where said electronic information is uniquely indicative of the credit card;

a processor, in said portable device, and receiving said electronic information, and operating to obtain position information indicative of a current position of the device, and to carry out a verification of a transaction, including sending information indicative of said information from said credit card, along with information about a specific credit card transaction to be carried out, and to receive information from said network indicative of authorization or decline of the transaction,

and where said portable device also carries out other communication over the internet that do not involve the credit card,

wherein said processor creates encrypted information includes a session value from which an encryption value on said credit card cannot be ascertained, but can be verified as being from said encryption value on said credit and said session value being a value that can only be used at a current time and cannot be used again at a later time, and

further comprising a power receiver, which receives external power that operates responsive to sensing that said power receiver has received said external power, and which automatically sends said information indicative of said information from said credit card responsive to said sensing that said power receiver has received said external power.