Secure smart card system
First Claim
1. 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, the smart card comprising a card body, which comprises:
- 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 card controller separate from the smart card chip in communication with the magnetic stripe emulator, wherein the card controller is configured to receive through an interface to a source external to the smart card the dynamic card verification data provided by the smart card chip 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; and
a power supply.
1 Assignment
0 Petitions
Accused Products
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.
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Citations
22 Claims
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1. 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, the smart card comprising a card body, which comprises:
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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 card controller separate from the smart card chip in communication with the magnetic stripe emulator, wherein the card controller is configured to receive through an interface to a source external to the smart card the dynamic card verification data provided by the smart card chip 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; and a power supply. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A smart card activation unit comprising:
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one or both of a contact and contactless interfaces for communicating with a smart card chip of a smart card; an activation unit controller configured to receive from the smart card chip through the interfaces smart card transaction data including secured data from the smart card chip for use in a transaction and a dynamic card verification data, and to format at least some of the secured data and the dynamic card verification data into magnetic stripe transaction data; and a card interface through which the activation unit controller provides magnetic stripe transaction data to the smart card for use in a magnetic stripe transaction. - View Dependent Claims (17, 18, 19, 20, 21)
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22. A smart card usable in both magnetic stripe transactions and contact or contactless smart card transactions, comprising a smart card body, the smart card body comprising:
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a smart card chip programmed with at least one transaction application for performing smart card transactions, the smart card transactions involving transmission to a smart card reader of smart card transaction data including secured data and dynamic card verification data dynamically developed by the smart card chip, wherein the smart card chip is also programmed with a biometric match on card application for authenticating a user against pre-stored user biometric information; a smart card interface for interfacing the smart card chip with a smart card reader; a magnetic stripe emulator for interfacing the smart card with a magnetic stripe reader configured to read transaction information encoded on a magnetic stripe of a transaction card; an internal power supply; a card controller in communication with the magnetic stripe emulator, wherein the card controller controls the magnetic stripe emulator to emit a magnetic field encoded with magnetic stripe transaction data, wherein the magnetic stripe transaction data includes the dynamic card verification data and at least some of the secured data from the smart card transaction data, wherein the card controller is configured to receive the magnetic stripe transaction data from a source external to the smart card; and a display under the control of the card controller.
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Specification