Contact/contactless and magnetic-stripe data collaboration in a payment card

• US 20060287964A1
• Filed: 08/14/2006
• Published: 12/21/2006
• Est. Priority Date: 12/17/2003
• Status: Abandoned Application

• Current Assignee: Fitbit, Inc. (Alphabet Inc.)
• Original Assignee: Fitbit, Inc. (Alphabet Inc.)
• Inventors: Brown, Kerry D.
• Application Number:
  US11/502,772
• Publication Number:
  US 20060287964A1
• Time in Patent Office: Days
• US Class Current: 705/64
• CPC Class Codes: G06Q 20/26 Debit schemes, e.g. "pay now"
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 30/00 Commerce
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/1016 Devices or methods for securing the PIN and other transaction-data, e.g. by encryption arrangements for secret communication, see H04L9/00

Abstract

A method of providing a magnetic-stripe type payment card with coupons and micropayment authorizations provides an internal link on a payment card between a contact/contactless processor and a MEMS magnetic device. This communicates information received from a contact/contactless payments infrastructure to be presented to a magnetic stripe payments infrastructure as specially recorded data bits written by the MEMS magnetic device in a magnetic stripe track.

Claims

1. A payment system, comprising:

a contact/contactless infrastructure for processing consumer payments related to merchant transactions;

a magnetic-stripe infrastructure for processing consumer payments related to merchant transactions;

a payment card providing for consumer purchases;

a contact/contactless processor disposed within the payment card and supporting EMV-type exchanges;

a magnetic stripe disposed on the payment card and supporting legacy magnetic stripe card reader use;

a magnetic MEMS device disposed in the magnetic stripe and providing for dynamic programming of some magnetic data written to the magnetic stripe; and

a link between the contact/contactless processor and the magnetic MEMS device inside the payment card, and providing for data communication between the contact/contactless infrastructure and the magnetic-stripe infrastructure that is related to a particular user'"'"'s buying behavior with the payment card.

2. The payment system of claim 1, further comprising:

a coupon communicated from the contact/contactless infrastructure through the contact/contactless processor to the magnetic MEMS device over the link for presentation to the magnetic-stripe infrastructure from the magnetic stripe to enable the redemption of a loyalty reward.

3. The payment system of claim 1, further comprising:

a micropayment authorization communicated from the contact/contactless infrastructure through the contact/contactless processor to the magnetic MEMS device over the link for presentation to the magnetic-stripe infrastructure from the magnetic stripe to enable a micropayment transaction.

4. The payment system of claim 1, further comprising:

a transaction event count communicated from the magnetic stripe and the magnetic MEMS device over the link for presentation to the contact/contactless infrastructure through the contact/contactless processor to enable the generation of a loyalty reward.

5. The payment system of claim 1, further comprising:

a second magnetic stripe associated with a corresponding second magnetic MEMS device;

a gift card surrogate communicated through the contact/contactless processor to the magnetic MEMS device over the link for presentation to the magnetic-stripe infrastructure from the second magnetic stripe to enable gift card transactions.

6. The payment system of claim 1, further comprising:

a prepaid card surrogate communicated through the contact/contactless processor to the magnetic MEMS device over the link for presentation to the magnetic-stripe infrastructure from the magnetic stripe to enable gift card transactions.

7. The payment system of claim 1, further comprising:

a second magnetic stripe associated with a corresponding second magnetic MEMS device;

a prepaid card that can be communicated from the contact/contactless interface through the contact/contactless processor to the second magnetic MEMS device over the link for presentation to the magnetic-stripe infrastructure from the second magnetic stripe to enable a gift card transaction.

8. The payment system of claim 1, further comprising:

an access card communicated through the contact/contactless processor to the magnetic MEMS device over the link for presentation to the magnetic-stripe infrastructure from the magnetic stripe to enable its use as a lock key.

9. The payment system of claim 1, further comprising:

a second magnetic stripe associated with a corresponding second magnetic MEMS device;

a lock key communicated from a contact/contactless interface through the contact/contactless processor to the second magnetic MEMS device over the link for interaction with the magnetic-stripe infrastructure via the second magnetic stripe to enable its use as an access card.

10. A payment card, comprising:

a contact/contactless processor disposed within a payment card for supporting EMV-type exchanges;

a magnetic stripe disposed on the payment card for supporting legacy magnetic stripe card reader use;

a magnetic MEMS device disposed in the magnetic stripe and providing for dynamic reprogramming of some magnetic data written to the magnetic stripe; and

a link between the contact/contactless processor and the magnetic MEMS device inside the payment card, and providing for data communication between a contact/contactless infrastructure and a magnetic-stripe infrastructure that is related to a particular user'"'"'s buying behavior with the payment card.

11. The payment card of claim 10, further comprising:

a battery disposed in the payment card and providing operational power for the contact/contactless processor and the magnetic MEMS device; and

means for writing a magnetic data code to the magnetic stripe that can indicate the health of the battery to said magnetic-stripe infrastructure and evoke a corrective action.

12. The payment card of claim 11, further comprising:

a coupon communicated from the contact/contactless infrastructure through the contact/contactless processor to the magnetic MEMS device over the link for presentation to the magnetic-stripe infrastructure from the magnetic stripe to enable the redemption of a loyalty reward.

13. The payment card of claim 11, further comprising:

a micropayment authorization communicated from the contact/contactless infrastructure through the contact/contactless processor to the magnetic MEMS device over the link for presentation to the magnetic-stripe infrastructure from the magnetic stripe to enable a micropayment transaction.

14. The payment card of claim 11, further comprising:

a transaction event count communicated from the magnetic stripe and the magnetic MEMS device over the link for presentation to the contact/contactless infrastructure through the contact/contactless processor to enable the generation of a loyalty reward.

15. A method of providing a magnetic-stripe type payment card with coupons and micropayment authorizations, comprising:

providing an internal link on a payment card between a contact/contactless processor and a MEMS magnetic device that can communicate information received from a contact/contactless payments infrastructure to be presented to a magnetic stripe payments infrastructure as specially recorded data bits written by the MEMS magnetic device in a magnetic stripe track.

16. A system, comprising:

a contact/contactless smart card infrastructure for processing consumer payments related to merchant transactions;

a magnetic-stripe infrastructure for processing consumer or business payments related to merchants transactions;

a payment card providing for consumer and business purchase transaction payments;

a smart card processor disposed within the payment card and supporting at least one of BO′ and

EMV-type exchanges;

a first magnetic stripe disposed on the payment card and supporting the use of a legacy magnetic stripe card reader;

a magnetic MEMS device disposed in the first magnetic stripe and providing for dynamic programming of a least a portion of a magnetic data written to the first magnetic stripe; and

a link between the smart card processor and the magnetic MEMS device inside the payment card, and providing for data communication between the contact/contactless infrastructure and the magnetic-stripe infrastructure.

17. The system of claim 16, further comprising:

a gift card surrogate communicated to the magnetic MEMS device over the link for interaction with the magnetic-stripe infrastructure via the first magnetic stripe which enables its commercial use of as a gift card.

18. The system of claim 16, further comprising:

a gift card surrogate communicated from a contact/contactless interface through the contact/contactless processor to the magnetic MEMS device over the link for presentation to the magnetic-stripe infrastructure from the first magnetic stripe to enable its use.

19. The system of claim 16, further comprising:

a second magnetic stripe associated with a corresponding second magnetic MEMS device;

a gift card electronic equivalent communicated through a smart card interface to the magnetic MEMS device over the link for presentation to the magnetic-stripe infrastructure from the second magnetic stripe to enable its use as a gift card.

20. The system of claim 16, further comprising:

a prepaid gift card electronic equivalent communicated through a smart card interface to the magnetic MEMS device over the link for presentation to the magnetic-stripe infrastructure from the first magnetic stripe.

21. The system of claim 16, further comprising:

a second magnetic stripe with recorded track data that can be modified by a magnetic MEMS device;

a prepaid card surrogate communicable to the magnetic MEMS device over the link for reading by the magnetic-stripe infrastructure from the second magnetic stripe.

22. The system of claim 16, further comprising:

an access card code communicable to the magnetic MEMS device over the link for presentation to the first magnetic stripe to enable its use as a lock key.

23. The system of claim 16, further comprising:

a second magnetic stripe with recorded track data that can be modified by a magnetic MEMS device;

an access card code communicable to the magnetic MEMS device over the link for presentation to the second magnetic stripe to enable its use as a lock key.

24. The system of claim 16, further comprising:

a second magnetic stripe with a magnetic MEMS device disposed on the payment card and readable by a magnetic stripe card reader;

wherein, the second magnetic stripe supports magnetic data recordings for a distinct second use that would otherwise be incompatible with a primary use of the card if recorded on the first magnetic stripe.