Secure smart card system

• US 8,594,730 B2
• Filed: 08/24/2011
• Issued: 11/26/2013
• Est. Priority Date: 08/20/2008
• Status: Active Grant

• Current Assignee: X-Card Holdings LLC
• Original Assignee: X-Card Holdings LLC
• Inventors: Bona, John Kenneth, Cox, Mark Allan
• Primary Examiner(s): GESESSE, TILAHUN
• Application Number:
  US13/216,919
• Publication Number:
  US 20120052800A1
• Time in Patent Office: 825 Days
• Field of Search: 455/556.1, 455/557, 455/558, 455/559, 455/410, 455/411, 455/66.1
• US Class Current: 455/558
• CPC Class Codes: G06K 19/06187 with magnetically detectable marking
• CPC Class Codes: G06K 19/06196 Constructional details
• 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 19/0718 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 19/0719 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 19/0723 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: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• 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 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/3574 Multiple applications on card
• CPC Class Codes: G06Q 20/4018 using the card verification value [CVV] associated with the card
• CPC Class Codes: G07F 7/0846 On-card display means

Abstract

A smart card usable in magnetic stripe swipe transactions with a transaction terminal configured to read transaction information encoded on a magnetic stripe of a standard transaction card includes a card body, which includes a magnetic stripe emulator for use with the transaction terminal, a smart card chip programmed with at least one transaction application for providing secured data for use in a transaction and dynamic card verification data, a power supply, and a card controller in communication with the magnetic stripe emulator. The card controller is configured to receive the dynamic card verification data and control the magnetic stripe emulator to emit a magnetic field encoded with at least a portion of the secured data and the dynamic card verification data.

Claims

1. A transaction system, comprising:

a portable, personal wireless communication device enabled for near field communications with a similarly enabled device, the wireless communication device being programmed with at least one smart card application for use in contactless smart card transactions, wherein the wireless communication device is configured to format contactless smart card transaction data for magnetic stripe transactions and communicate magnetic stripe transaction data by near field communication, the magnetic stripe transaction data including the formatted contactless smart card transaction data; and

a companion card enabled for near field communications with a similarly enabled device, the companion card including a card body which includes;

a magnetic stripe emulator for use with a transaction terminal configured to read transaction information encoded on a magnetic stripe of a standard transaction card;

a card controller in communication with the magnetic stripe emulator, wherein the card controller is configured to receive the magnetic stripe transaction data communicated to the companion card by near field communication and control the magnetic stripe emulator to emit a magnetic field encoded with the magnetic stripe transaction data; and

a power supply.

2. The transaction system of claim 1, wherein the contactless smart card transaction data includes dynamic card verification data, wherein dynamic card verification data is included in the magnetic stripe transaction data.

3. The transaction system of claim 1, wherein the portable, personal wireless communication device is a cellular telephone and the near field communications are NFC format.

4. A companion card enabled for near field communications with a similarly enabled device, the companion card including a card body which includes:

a magnetic stripe emulator for use with a transaction terminal configured to read transaction information encoded on a magnetic stripe of a standard transaction card, the magnetic stripe emulator configured to spatially code data along one or more emulated tracks readable via swipe through the transactional terminal;

a card controller in communication with the magnetic stripe emulator, wherein the card controller is configured to receive magnetic stripe transaction data communicated to the companion card by near field communication and control the magnetic stripe emulator to emit a magnetic field encoded with the magnetic stripe transaction data;

a near field communications module; and

a power supply.

5. The companion card of claim 4, wherein the near field communication module is a NFC chip.

6. The companion card of claim 4, wherein the card body further comprises a display in communication with the card controller, and wherein the card controller displays on the display information for use in authorizing a card-not-present transaction.

7. The companion card of claim 4, wherein the magnetic stripe emulator includes two or more emulated magnetic stripe tracks.

8. The companion card 4, wherein the communicated magnetic stripe transaction data comprises secured smart card transaction data and dynamic card verification data from a contactless smart card transaction application.

9. A portable, personal wireless communication device enabled for near field communications with a similarly enabled companion card, the wireless communication device being programmed with at least one smart card application for use in contactless smart card transactions, wherein the wireless communication device is configured to format contactless smart card transaction data for magnetic stripe transactions and communicate magnetic stripe transaction data by near field communication to the companion card, the magnetic stripe transaction data including the formatted contactless smart card transaction data.

10. The communication device of claim 9, wherein the communication device is a cellular telephone and is configured for contactless smart card transactions, and wherein the communication device includes a smart card reader application for receiving transaction data from the at least one smart card application and a set of instructions specific to the at least one smart card application for formatting the contactless smart card transaction data for use in magnetic stripe transactions.

11. The communication device of claim 9, wherein the communication device is configured for NFC communications.

12. The communication device of claim 9, wherein the communication device is programmed with a plurality of transaction applications, each transaction application providing respective secured data for use in a transaction, wherein the contactless smart card transaction application data comprises dynamic card verification data and the secured data for a selected transaction application.

13. The communication device of claim 12, wherein the plurality of transaction applications correspond to two or more of a credit transaction application, a debit transaction application and an information access control application.

14. The communication device of claim 12, wherein the communication device is configured to present a user interface display for enabling user selection of the plurality of transaction applications for use.

15. The communication device of claim 9, wherein the communication device comprises a slot or pocket for carrying the companion card when not in use in magnetic swipe transactions.