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

• US 10,997,489 B2
• Filed: 08/01/2016
• Issued: 05/04/2021
• Est. Priority Date: 12/24/2007
• Status: Active Grant

• Current Assignee: Dynamics Inc.
• Original Assignee: Dynamics Inc.
• Inventors: Mullen, Jeffrey D., Lambeth, David, Cloutier, Bruce
• Primary Examiner(s): Hess, Daniel A
• Application Number:
  US15/225,095
• Publication Number:
  US 20160342877A1
• Time in Patent Office: 1,737 Days
• Field of Search: 235492, 235449
• 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. A device comprising:

a magnetic emulator operable to electrically couple to and communicate data to a read-head of a magnetic stripe reader; and

a processor for controlling the magnetic emulator;

wherein the magnetic emulator is operable to electrically couple to and communicate the data to the read-head when the device is located outside and within proximity of the magnetic stripe reader.

2. The device of claim 1, wherein the device is thicker than a credit card.

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

4. The device of claim 1, wherein the magnetic emulator is operable to electrically couple to and communicate the data to the read-head when the device is located at least a quarter of an inch away from the read-head.

5. The device of claim 1, wherein the magnetic emulator is operable to electrically couple to and communicate the data to the read-head when the read-head is further from the device than the thickness of a housing of the magnetic stripe reader.

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

7. The device of claim 1, wherein the device is a portable media player.

8. The device of claim 1, further comprising a display operable to display a virtual card.

9. The device of claim 1, further comprising a touch-sensitive display operable to display a virtual card.

10. The device of claim 1, wherein the magnetic emulator is operable to communicate the data using RFID protocol.

11. The device of claim 1, wherein the magnetic emulator is operable to communicate the data using frequency/double frequency (F2F) encoding.

12. The device of claim 1, further comprising a display operable to display a virtual payment card, wherein said display is operable to display alphanumeric data.

13. The device of claim 1, wherein the device is a portable telephonic device, and the device further comprising an RFID antenna operable to transmit RFID data in response to the processor detecting the presence of an RFID antenna.

14. The device of claim 13, further comprising a touch screen graphical user interface.

15. The device of claim 1, wherein the device is a card.

16. The device of claim 15, further comprising an electronic ink display operable to display graphical information.

17. The device of claim 16, wherein the magnetic emulator is further operable to transmit at least one of a string of leading zeros and trailing zeros.

18. The device of claim 17, further comprising magnetic shielding.

19. The device of claim 18, wherein the magnetic shielding is adjacent to the magnetic emulator.

20. The device of claim 19, wherein the processor is operable to detect a presence of at least one of an RFID antenna and a magnetic stripe reader.

21. The device of claim 20, further comprising an RFID antenna operable to transmit RFID data in response to the processor detecting the presence of an RFID antenna.

22. The device of claim 21, further comprising memory.

23. The device of claim 22, wherein the memory is operable to store payment information.

24. The device of claim 23, wherein the processor comprises the memory.

25. The device of claim 22, wherein the processor comprises the memory.