Light-powered smart card for on-line transaction processing
First Claim
1. A method for automated card information exchange, comprising:
- accessing information from a card that has an energy component that provides power to the card, the information being associated with the card;
generating a source verification code (SVC) based on the information;
obtaining a user validation code (UVC) pertaining to a validation of a user, the UVC code being generated based on a biometric reading generated by the card; and
validating a transaction based on at least one of the SVC and the UVC.
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Accused Products
Abstract
In general, embodiments of the present invention relate to a light-powered smart card and associated methods for automated information (static and dynamic) exchange pursuant to a commercial transaction. In a typical embodiment, the card (e.g., a credit card, a debit card and/or a smart card) comprises (among other things) an energy component for providing power to the card. Upon powering up via a light source, including light from the interfacing terminal'"'"'s backlight, a terminal (e.g., a point of sale terminal) will scan/read card information shared between the card and the card company (e.g., upon swiping or placing of the card), and generate a corresponding source validation code (SVC). An optional imager/image array positioned on the back of the card will scan/read the SVC, and card validation code (CVC) logic on the card will generate a CVC based on the SVC (e.g., based on a validation result of the SVC).
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Citations
20 Claims
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1. A method for automated card information exchange, comprising:
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accessing information from a card that has an energy component that provides power to the card, the information being associated with the card; generating a source verification code (SVC) based on the information; obtaining a user validation code (UVC) pertaining to a validation of a user, the UVC code being generated based on a biometric reading generated by the card; and validating a transaction based on at least one of the SVC and the UVC. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method for automated card information exchange, comprising:
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accessing information from a card that has an energy component that is activated by alignment with a light source, the information being associated with the card; generating a source verification code (SVC) based on the information; obtaining a card validation code (CVC) generated on the card using the SVC; and validating a transaction based on at least one of the SVC and the CVC. - View Dependent Claims (10, 11, 12, 13, 14)
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15. A card for automated card information exchange, comprising:
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an energy component configured to use light energy to power the card; an imager configured to receive a source verification code (SVC) from a display associated with the commercial transaction, the SVC being generated based on card information; and card validation code (CVC) logic configured to generate a CVC based on the SVC. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification