Cards and devices with multifunction magnetic emulators and methods for using same

• US 8,517,276 B2
• Filed: 12/19/2008
• Issued: 08/27/2013
• Est. Priority Date: 12/24/2007
• Status: Active Grant

• Current Assignee: Dynamics Inc.
• Original Assignee: Dynamics Inc.
• Inventors: Mullen, Jeffrey David, Lambeth, David, Cloutier, Bruce
• Primary Examiner(s): Lee, Michael G
• Assistant Examiner(s): CHEDEKEL, TABITHA F
• Application Number:
  US12/339,045
• Publication Number:
  US 20090159668A1
• Time in Patent Office: 1,712 Days
• Field of Search: 235/380, 235/487, 235/492, 235/493, 235/494
• US Class Current: 235/492
• 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 payment card (e.g., credit and/or debit card) is provided with a magnetic emulator operable of communicating information to a magnetic stripe reader. Information used in validating a financial transaction is encrypted based on time such that a validating server requires receipt of the appropriate encrypted information for a period of time to validate a transaction for that period of time. Such dynamic information may be communicated using such an emulator such that a card may be swiped through a magnetic stripe reader—yet communicate different information based on time. An emulator may receive information as well as communicate information to a variety of receivers (e.g., an RFID receiver).

Claims

1. A card comprising:

a magnetic emulator; and

a processor, wherein said magnetic emulator is operable to electrically couple, and communicate data to, a read-head located on a magnetic stripe reader, said magnetic emulator is operable to electrically couple, and communicate data to a communications receiver that is not a magnetic-stripe reader, said processor provides a first control signal to said magnetic emulator to provide data to said read-head, and said processor provides a second control signal to said magnetic emulator to provide data to said non-magnetic stripe reader.

2. The card of claim 1, further comprising a plurality of flexible layers of circuit board.

3. The card of claim 1, further comprising a flexible layer of circuit board.

4. The card of claim 1, further comprising a second magnetic emulator.

5. The card of claim 1, wherein said magnetic emulator is operable to receive data from an encoding head of said magnetic stripe reader.

6. The card of claim 1, further comprising a button.

7. The card of claim 1, further comprising a magnetic stripe encoding receiver operable to receive data from an encoding head of said magnetic stripe reader.

8. The card of claim 1, further comprising a battery.

9. The card of claim 1, wherein said non-magnetic stripe reader is an RFID receiver.

10. The card of claim 1, further comprising a read-head detector for detecting said read-head.

11. The card of claim 1, further comprising an RFID field detector.

12. The card of claim 1, further comprising:

a read-head detector; and

an RFID field detector.

13. The card of claim 1, further comprising:

a first magnetic shielding located about said magnetic emulator; and

a second magnetic shielding located about said magnetic emulator.

20. The card of claim 1, wherein said magnetic emulator includes a coil.

21. The card of claim 1, further comprising a magnetic shielding located about said magnetic emulator.

14. A card comprising:

a magnetic emulator, wherein said magnetic emulator is operable to electrically couple, and communicate data to, a read-head located on a magnetic stripe reader; and

a processor for controlling said magnetic emulator, wherein said magnetic emulator is operable to communicate said data to said read-head while located outside of said magnetic stripe reader at a distance of at least a quarter of an inch from said read-head.

15. The card of claim 14, further comprising:

a source of energy; and

a regulator for regulating said source of energy, wherein said regulated energy is utilized by said magnetic emulator.

16. The card of claim 14, wherein said communicated data includes a dynamic payment number and a dynamic code.

17. The card of claim 14, further comprising a button.

18. The card of claim 14, further comprising a battery.

19. The card of claim 14, further comprising:

a battery; and

a button.

22. The card of claim 14, further comprising a magnetic shielding located about said magnetic emulator.

23. The card of claim 14, further comprising:

a first magnetic shielding located about said magnetic emulator; and

a second magnetic shielding located about said magnetic emulator.