Electronic cards and methods for making same

• US 8,500,019 B2
• Filed: 04/16/2012
• Issued: 08/06/2013
• Est. Priority Date: 03/26/2005
• Status: Active Grant

• Current Assignee: Discover Financial Services
• Original Assignee: Charles Mcguire, Eric Foo, Joan Ziegler, Lawrence Routhenstein, Mark Poidomani, Ziv Alon
• Inventors: Poidomani, Mark, Ziegler, Joan, Foo, Eric, Alon, Ziv, McGuire, Charles, Routhenstein, Lawrence
• Primary Examiner(s): VO, TUYEN KIM
• Application Number:
  US13/448,244
• Publication Number:
  US 20120235794A1
• Time in Patent Office: 477 Days
• Field of Search: 235/375, 235/380, 235/449, 235/450, 235/451, 235/492, 235/493
• US Class Current: 235/449
• CPC Class Codes: G06K 19/0702 the arrangement including a battery
• CPC Class Codes: G06K 19/077 Constructional details, e.g. mounting of circuits in the carrier
• CPC Class Codes: G06K 19/07722 the record carrier being multilayered, e.g. laminated sheets flat articles in general, see B32B37/00

Abstract

A method for communicating with a magnetic stripe reader which has a magnetic read head by activating the electronic apparatus from an off state to a reduced power mode, then detecting the magnetic stripe reader, then activating the electronic apparatus from the reduced power mode to a full power mode after detection of the magnetic read head, and then broadcasting a signal that contains a transaction specific data packet that is read by the magnetic read head. The signal is broadcast without using a static magnetic stripe and it is a time varying and spatial varying magnetic field that is interpreted by the magnetic read head as originating from a standard magnetic stripe. A monitoring system can be used to identify what type of point-of-transaction terminal is being used to read the electronic apparatus and choose a timing of the magnetic stripe broadcaster to accommodate it.

Claims

1. A method for communicating with a magnetic stripe reader having a magnetic read head, comprising the steps of:

activating an electronic apparatus from an off state to a reduced power mode;

detecting the magnetic stripe reader;

activating the electronic apparatus from the reduced power mode to a full power mode after detection of the magnetic read head; and

broadcasting a signal that contains a transaction specific data packet that is read by the magnetic read head;

wherein the signal is broadcast without using a static magnetic stripe and the signal is a time varying and spatial varying magnetic field that is interpreted by the magnetic read head as originating from a standard magnetic stripe.

2. The method of claim 1 further comprising the step of using a monitoring system to identify what type of a point-of-transaction terminal is being used to read the electronic apparatus and choosing a timing of the magnetic stripe broadcaster to accommodate the point-of-transaction terminal.

3. The method of claim 2 wherein the monitoring system can detect a dip reader.

4. The method of claim 3 wherein an additional read broadcast is provided by the magnetic strip broadcaster on removal of the electronic apparatus from the dip reader past the magnetic read head.

5. The method of claim 1 comprising the further step of selecting an account function from a plurality of account functions.

6. The method of claim 5 wherein the transaction specific data packet is associated with the account function.

7. The method of claim 6 wherein the data packet contains a dynamically generated data packet that is generated after the electronic apparatus is activated from the reduced power mode to the full power mode.

8. The method of claim 1 wherein the electronic apparatus is a card compliant with a CR80 format.

9. The method of claim 8 wherein the card has a power on switch.

10. The method of claim 5 wherein the plurality of account functions includes at least one function from two different types of accounts selected from a group of different types of account functions comprised of a credit account, a debit account and a rewards points program account.

11. The method of claim 5 wherein the plurality of account functions includes a credit account, a debit account and a rewards points program account.

12. The method of claim 5 wherein a user selects the account function by use of an account activation button.

13. The method of claim 12 wherein the user activates the electronic apparatus by use of a power on switch.

14. The method of claim 12 wherein the electronic apparatus will not activate from the reduced power mode to the full power mode until the account activation button is used.

15. The method of claim 14 wherein the user is provided with a user interface feedback that indicates that the user has selected the account function by use of the account activation button.

16. The method of claim 15 comprising the further step of using a built-in self test of the electronic apparatus to determine if there has been an error in use of the electronic apparatus.

17. The method of claim 16 wherein the user is provided with an error indication if the built-in self test determines there has been an error in use of the electronic apparatus.

18. The method of claim 1 further comprising dynamically generating authentication information in a secure processor for use in generating the transaction specific data packet.

19. A method for conducting a transaction with an electronic card, comprising the steps of:

detecting a magnetic stripe reader head of a magnetic stripe reader by a sensor of the electronic card;

after the magnetic stripe reader head has been detected by the sensor, activating a full power mode of the electronic card in which a transaction specific dynamic field of data is generated within the electronic card; and

broadcasting the transaction specific dynamic field of data to the magnetic stripe reader head in a signal by use of a magnetic stripe broadcaster;

wherein the signal is a time varying and spatial varying magnetic field that is interpreted by the magnetic read head as originating from a standard magnetic stripe.

20. The method of claim 19 wherein a user does not have to activate the electronic card.