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

• US 10,223,631 B2
• Filed: 08/01/2016
• Issued: 03/05/2019
• Est. Priority Date: 12/24/2007
• Status: Active Grant

• Current Assignee: Dynamics Inc.
• Original Assignee: Dynamics Inc.
• Inventors: Mullen, Jeffrey D., Lambeth, David N., Cloutier, Bruce
• Primary Examiner(s): Haupt, Kristy A
• Application Number:
  US15/225,150
• Publication Number:
  US 20160342879A1
• Time in Patent Office: 946 Days
• Field of Search: None
• 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. An apparatus comprising:

a structure for receiving manual input;

a dynamic magnetic stripe communication device; and

a processor for controlling the dynamic magnetic stripe communication device,

wherein the dynamic magnetic stripe communication device is operable to electrically couple to a payment terminal when the dynamic magnetic stripe communication device is located outside and within proximity of the payment terminal and to serially communicate first magnetic stripe track data and second magnetic stripe track data while electrically coupled to the payment terminal.

2. The apparatus of claim 1, wherein the apparatus is thicker than a payment card.

3. The apparatus of claim 1, wherein the apparatus is a wireless communication device.

4. The apparatus of claim 1, wherein the apparatus is a portable telephonic device.

5. The apparatus of claim 1, wherein the apparatus is a portable media player.

6. The apparatus of claim 1, further comprising a display operable to display a virtual payment card.

7. The apparatus of claim 1, further comprising a touch-sensitive display operable to display a virtual payment card.

8. The apparatus of claim 1, wherein the processor is operable to determine the presence of a read-head of a magnetic stripe reader based on received information.

9. The apparatus of claim 1, wherein the processor is operable to:

determine presence of a read-head of a magnetic stripe reader based on received information; and

drive the dynamic magnetic stripe communication device to couple with the magnetic stripe reader.

10. The apparatus of claim 1, wherein the processor is operable to determine the presence of an RFID receiver based on received information.

11. The apparatus of claim 1, wherein the processor is operable to:

determine presence of a read-head of an RFID receiver based on received information; and

drive the dynamic magnetic stripe communication device to couple with the RFID receiver.

12. The apparatus of claim 1, wherein the serial communication occurs as a result of receiving the manual input.

13. The apparatus of claim 1, wherein the first magnetic stripe track data and the second magnetic stripe track data are the same track data.

14. The apparatus of claim 13, wherein the first magnetic stripe track data is sent in a forward direction, and the second magnetic stripe track data is sent in a reverse direction.

15. The apparatus of claim 12, wherein the first magnetic stripe track data and the second magnetic stripe track data are the same track data, and wherein the first magnetic stripe track data is sent in a forward direction, and the second magnetic stripe track data is sent in a reverse direction.

16. The apparatus of claim 13, wherein the first magnetic stripe track data is sent in a forward direction, and the second magnetic stripe track data is sent in a forward direction.

17. The apparatus of claim 1, wherein the first magnetic stripe track data and the second magnetic stripe track data are different track data, and wherein the first magnetic stripe track data is sent in a forward direction, and the second magnetic stripe track data is sent in a reverse direction.

18. The apparatus of claim 1, wherein the first magnetic stripe track data and the second magnetic stripe track data are different track data, and wherein the first magnetic stripe track data is sent in a forward direction, and the second magnetic stripe track data is sent in a forward direction.

19. The apparatus of claim 1, wherein the dynamic magnetic stripe communication device further serially communicates third magnetic stripe track data.

20. The apparatus of claim 1, wherein the first magnetic stripe track data comprises a first set of leading zeros and the second magnetic stripe track data comprises a second set of leading zeros that is different than the first set of leading zeros.

21. The apparatus of claim 1, wherein at least one of the first magnetic stripe track data and the second magnetic stripe track data comprises dynamic codes.

22. The apparatus of claim 1, wherein temporal pauses occur between the serial communications of the first magnetic stripe track data and the second magnetic stripe track data.