Multi application smartcard with currency exchange, location, tracking and personal identification capabilities

• US 8,479,981 B2
• Filed: 03/29/2011
• Issued: 07/09/2013
• Est. Priority Date: 01/28/2000
• Status: Expired due to Fees

• Current Assignee: Patential Holdings, Inc.
• Original Assignee: Ubiquity Broadcasting Corporation
• Inventors: Carmichael, Chris, Carmichael, Connie, Crotty, Greg
• Primary Examiner(s): HESS, DANIEL A
• Application Number:
  US13/075,001
• Publication Number:
  US 20110178928A1
• Time in Patent Office: 833 Days
• Field of Search: 235/375, 235/379, 235/492, 235/493
• US Class Current: 235/379
• CPC Class Codes: G06K 19/07 with integrated circuit chips
• CPC Class Codes: G06K 19/0719 at least one of the integrated circuit chips comprising an arrangement for application selection, e.g. an acceleration sensor or a set of radio buttons application selection on smart cards using pure software control, see G07F7/10
• CPC Class Codes: G06K 19/08 using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means
• CPC Class Codes: G06K 7/10079 the collision being resolved in the spatial domain, e.g. temporary shields for blindfolding the interrogator in specific directions
• 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 20/3572 Multiple accounts on card
• CPC Class Codes: G06Q 20/3576 Multiple memory zones on card
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• 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 smart card capable of performing more than one function, said smart card comprising a first memory means comprising a first set of data to access a bank account, a second set of data to access a credit card account, a third set of data representing the identification of a holder of the smart card, and a fourth set of data to access telephone communication services. The smart card further comprises a microprocessor, said microprocessor being in electrical communication with a second memory means, and a location tracking means for determining a location of the smart card.

Claims

1. A method, comprising:

using a computer for effecting a transaction on a computer system, by first requiring a user to enter information on the computer system for the transaction at a first time;

using the computer to read from a memory on a credit card device that is separate from the computer, data including at least multiple of a first set of data to access a bank account, a second set of data to access a credit card account, a third set of data representing an identification of a holder of the credit card account, and a fourth set of data to access account services;

using the computer for performing a first authentication process on said data, and completing said transaction if said step of performing a first authentication process meets a required condition, and otherwise preventing completing said transaction;

using said computer operating for accessing a location tracking device on said credit card device, and obtaining data from said accessing that automatically determines a location of said credit card device; and

carrying out said transaction using an automatically-determined location as part of the transaction based on said data obtained from said accessing, wherein said location is used to determine a security of the transaction.

2. A method as in claim 1, further comprising requiring a security function, to complete said transaction using said data sets, only if an amount of said transaction is greater than a limited amount, and otherwise not requiring said security function to complete said transaction.

3. A method as in claim 2 wherein said security function comprises entering a secret code.

4. A method as in claim 1, wherein said location is used to set a currency of the transaction automatically.

5. The method as in claim 4, wherein information from said location tracking device is also used automatically for tracking a location of the credit card device over time.

6. A system, comprising:

a computer with a user interface that controls carrying out a transaction on a computer system, by first requiring a user to enter information on the computer system for the transaction at a first time;

said computer reading from a memory on a credit card device that is separate from the computer, data including at least multiple of a first set of data to access a bank account, a second set of data to access a credit card account, a third set of data representing an identification of a holder of the credit card account, and a fourth set of data to access account services;

said computer performing a first authentication process on said data, and completing said transaction if said first authentication process meets a required condition, and otherwise preventing completing said transaction, and

said computer operating for accessing a location tracking device on said credit card device that automatically determines a location of said credit card device, and carrying out said transaction using an automatically-determined location as part of the transaction by sending said location to the computer system, wherein said location is used to determine a security of the transaction.

7. The system as in claim 6, wherein said computer requires a security function to complete said transaction using said data sets, only if an amount of said transaction is greater than a limited amount, and otherwise not requiring said security function to complete said transaction.

8. The system as in claim 7 wherein said security function comprises entering a secret code.

9. The system as in claim 6, wherein information from said location tracking device is also used automatically for tracking a location of the credit card device over time.

10. The system as in claim 6, wherein said location is used to set a currency of the transaction automatically.