System, method and apparatus for enabling transactions using a biometrically enabled programmable magnetic stripe
First Claim
1. An apparatus comprising:
- a substrate integrated into;
(1) a card selected from the group consisting essentially of an access card, a credit card, a debit card, an identification card, a mini-card, a security card, a stored value card and a vendor-specific card, or (2) a travel credential selected from the group consisting essentially of a passport, an immigration card and a visa;
a magnetic field generator disposed within the substrate, wherein the magnetic field generator is normally inactive and comprises a magnetic stripe either mounted on the substrate or disposed within the substrate, one or more induction coils disposed within the substrate underneath a length of the magnetic stripe and a control circuit disposed within the substrate that is connected to the one or more induction coils and generates a time-varying magnetic signal by pulsing the one or more induction coils underneath the magnetic stripe when activated by a processor, wherein the time-varying magnetic signal is transmitted to a magnetic stripe reader and emulates a data stream generated by swiping a static magnetic stripe card through the magnetic stripe reader but is not created by swiping the magnetic stripe of the apparatus through the magnetic stripe reader or using an adapter to interface with the magnetic stripe reader;
a fingerprint sensor mounted on the substrate;
a memory disposed within the substrate;
the processor disposed within the substrate and communicably coupled to the magnetic field generator, the fingerprint sensor and the memory, wherein the processor processes fingerprint information received from the fingerprint sensor to verify that a user is authorized to use the apparatus and activate the magnetic field generator when the user is verified; and
a power source disposed within the substrate and electrically connected to the magnetic field generator, the fingerprint sensor and the processor.
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Accused Products
Abstract
The present invention provides a system, method and apparatus that includes a magnetic field generator that is normally inactive and includes a magnetic stripe either mounted on the substrate or disposed within a substrate, one or more induction coils disposed within the substrate underneath a length of the magnetic stripe and a control circuit disposed within the substrate that is connected to the one or more induction coils. The control circuit generates a time-varying magnetic signal by pulsing the one or more induction coils underneath the magnetic stripe when activated by a processor. The time-varying magnetic signal is transmitted to a magnetic stripe reader and emulates a data stream generated by swiping a static magnetic stripe card through the magnetic stripe reader but is not created by swiping the magnetic stripe of the apparatus through the magnetic stripe reader or using an adapter to interface with the magnetic stripe reader.
107 Citations
56 Claims
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1. An apparatus comprising:
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a substrate integrated into;
(1) a card selected from the group consisting essentially of an access card, a credit card, a debit card, an identification card, a mini-card, a security card, a stored value card and a vendor-specific card, or (2) a travel credential selected from the group consisting essentially of a passport, an immigration card and a visa;a magnetic field generator disposed within the substrate, wherein the magnetic field generator is normally inactive and comprises a magnetic stripe either mounted on the substrate or disposed within the substrate, one or more induction coils disposed within the substrate underneath a length of the magnetic stripe and a control circuit disposed within the substrate that is connected to the one or more induction coils and generates a time-varying magnetic signal by pulsing the one or more induction coils underneath the magnetic stripe when activated by a processor, wherein the time-varying magnetic signal is transmitted to a magnetic stripe reader and emulates a data stream generated by swiping a static magnetic stripe card through the magnetic stripe reader but is not created by swiping the magnetic stripe of the apparatus through the magnetic stripe reader or using an adapter to interface with the magnetic stripe reader; a fingerprint sensor mounted on the substrate; a memory disposed within the substrate; the processor disposed within the substrate and communicably coupled to the magnetic field generator, the fingerprint sensor and the memory, wherein the processor processes fingerprint information received from the fingerprint sensor to verify that a user is authorized to use the apparatus and activate the magnetic field generator when the user is verified; and a power source disposed within the substrate and electrically connected to the magnetic field generator, the fingerprint sensor and the processor. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. A method for enabling a transaction using an apparatus containing information associated with one or more users, a magnetic field generator disposed within a substrate and a fingerprint sensor, wherein:
- (a) the substrate is integrated into;
(1) a card selected from the group consisting essentially of an access card, a credit card, a debit card, an identification card, a mini-card, a security card, a stored value card and a vendor-specific card, or (2) a travel credential selected from the group consisting essentially of a passport, an immigration card and a visa, and (b) the magnetic field generator is normally inactive and comprises a magnetic stripe either mounted on the substrate or disposed within the substrate, one or more induction coils disposed within the substrate underneath a length of the magnetic stripe and a control circuit disposed within the substrate that is connected to the one or more induction coils, the method comprising the steps of; receiving authentication data from the fingerprint sensor; determining whether the authentication data is valid for one of the users; and activating the magnetic field generator and generating a time-varying magnetic signal by pulsing the one or more induction coils underneath the magnetic stripe, wherein the time-varying magnetic signal is transmitted to a magnetic stripe reader and emulates a data stream generated by swiping a static magnetic stripe card through the magnetic stripe reader but is not created by swiping the magnetic stripe of the apparatus through the magnetic stripe reader or using an adapter to interface with the magnetic stripe reader, and that corresponds to the information associated with the authenticated user whenever the authentication data is valid. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33)
- (a) the substrate is integrated into;
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34. A system comprising:
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one or more user devices, each user device comprising; a substrate integrated into;
(1) a card selected from the group consisting essentially of an access card, a credit card, a debit card, an identification card, a mini-card, a security card, a stored value card and a vendor-specific card, or (2) a travel credential selected from the group essentially of a passport, an immigration card and a visa,a magnetic field generator disposed within the substrate, wherein the magnetic field generator is normally inactive and comprises a magnetic stripe either mounted on the substrate or disposed within the substrate, one or more induction coils disposed within the substrate underneath a length of the magnetic stripe and a control circuit disposed within the substrate that is connected to the one or more induction coils and generates a time-varying magnetic signal by pulsing the one or more induction coils underneath the magnetic stripe when activated by a device processor, wherein the time-varying magnetic signal is transmitted to a magnetic stripe reader and emulates a data stream generated by swiping a static magnetic stripe card through the magnetic stripe reader but is not created by swiping the magnetic stripe of the apparatus through the magnetic stripe reader or using an adapter to interface with the magnetic stripe reader, a fingerprint sensor mounted on the substrate, a memory disposed within the substrate, the device processor disposed within the substrate and communicably coupled to the magnetic field generator, the fingerprint sensor and the memory, wherein the device processor processes fingerprint information received from the fingerprint sensor to verify that a user is authorized to use the user device and activate the magnetic field generator when the user is verified, and a power source disposed within the substrate and electrically connected to the magnetic field generator, the fingerprint sensor and the device processor; one or more system interfaces operable to communicate with the user device; and a system processor communicably coupled to the one or more system interfaces. - View Dependent Claims (35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 56)
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Specification