SELECTABLE MULTI-PURPOSE CARD

• US 20090261161A1
• Filed: 06/30/2009
• Published: 10/22/2009
• Est. Priority Date: 12/06/2000
• Status: Active Grant

• Current Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Original Assignee: First USA Bank N.A. (JP Morgan Chase & Co)
• Inventors: BLOSSOM, George
• Granted Patent: US 7,954,708 B2
• Time in Patent Office: Days
• US Class Current: 235/380
• 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 19/0719 at least one of the integrated circuit chips comprising an arrangement for application selection, e.g. an acceleration sensor or a set of radio buttons application selection on smart cards using pure software control, see G07F7/10
• CPC Class Codes: G06K 19/072 the record carrier comprising a plurality of integrated circuit chips
• CPC Class Codes: G06K 19/07703 the interface being visual
• CPC Class Codes: G06K 19/08 using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means
• 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 20/3572 Multiple accounts on card
• CPC Class Codes: G06Q 20/3576 Multiple memory zones on card
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• 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 selectable, multi-purpose card comprising a plurality of features stored in memory means operatively mounted on the card and selection means for allowing a user to select a feature in a few simple steps, preferably in a single step. In one embodiment the card includes a plurality of magnetic strips positioned on the card in a manner to allow swiping each magnetic strip separately using conventional reading devices. Each magnetic strip activates a different feature of the card. In another embodiment the card includes a programmable magnetic strip, a plurality of features stored in memory means mounted on the card, a plurality of buttons or contacts, and means for programming the magnetic strip with a different card feature. The card may also include a thin, flexible display.

Claims

1-27. -27. (canceled)

28. A system comprising:

a credit card having a display for displaying a first number for a first period of time in response to a user input and displaying a second number for a second period of time response to a second user input; and

a card reader device, wherein the card reader device is adapted to read the first number and the second number using a plurality of reading mechanisms, wherein at least one mechanism utilizes emulated magnetic stripe data produced by the credit card, wherein at least one of the first number and the second number accessed by the card reader is used to effectuate a financial transaction.

29. The system of claim 28, wherein the plurality of reading mechanisms include at least one of:

magnetic stripe reading, a smart card reader contact interface, emulated magnetic stripe data produced by the card, and RFID reading, and a combination of the preceding.

30. The system of claim 28, wherein a first mechanism of the plurality of reading mechanisms is a first magnetic stripe and a second mechanism of the plurality of reading mechanisms is a second, different magnetic stripe, both magnetic stripes being disposed on the same card.

31. The system of claim 28, wherein the first number is communicated wirelessly to the card reader device.

32. The system of claim 28, wherein the first number comprises an account number.

33. The system of claim 28, wherein the first number comprises a security code.

34. The system of claim 28, wherein the first number corresponds to a first financial account different from a second financial account corresponding to the second number.

35. The system of claim 28, wherein the first number is communicated through a component of the credit card to the card reader device during the first period of time and the second number is communicated to the card reader device during the second period of time.

36. The system of claim 28, wherein the credit card further comprises a battery.

37. The system of claim 28, wherein the first number comprises a generated security code.

38. The system of claim 28, wherein the credit card comprises a processor for providing the first and second numbers.

39. The system of claim 28, wherein the first coded number comprises at least a portion of an account number.

40. The system of claim 28, wherein the first coded number comprises a security code.

41. The system of claim 28, wherein at least a portion of a credit card number is printed or imprinted on the surface of the credit card.

42. The system of claim 28, wherein the credit card includes a manual switch.

43. A method comprising:

providing a secure number on a payment card;

displaying on a display of the payment card a first number for a first period of time in response to a user input;

displaying on the display of the payment card a second number for a second period of time response to a second user input; and

a card reader device, wherein the card reader device is adapted to read the first number and the second number using a plurality of reading mechanisms, wherein at least one mechanism utilizes emulated magnetic stripe data produced by the payment card, wherein at least one of the first number and the second number accessed by the card reader is used to effectuate a financial transaction.

44. A machine readable medium, executable by a machine, that includes program logic imprinted thereon for performing the method comprising:

providing a secure number on a payment card;

displaying on a display of the payment card a first number for a first period of time in response to a user input;

displaying on the display of the payment card a second number for a second period of time response to a second user input; and

a card reader device, wherein the card reader device is adapted to read the first number and the second number using a plurality of reading mechanisms, wherein at least one mechanism utilizes emulated magnetic stripe data produced by the payment card, wherein at least one of the first number and the second number accessed by the card reader is used to effectuate a financial transaction.