Three-legacy mode payment card with parametric authentication and data input elements
OwnerKerry Dennis Browninventor
Life of this patent
Estimating the term…
Abstract
A payment card comprises a plastic card and operates with three different legacy payment systems. A magnetic stripe with user account data allows card use in traditional point-of-sale magnetic card readers. A dual-input crypto-processor embedded in the card provides for contact/contactless smart card operation. A user input provides for user authentication by the crypto-processor. Internal to the plastic card, and behind the magnetic stripe, a magnetic array includes a number of fixed-position magnetic write heads that allow the user account data to be automatically modified by the crypto-processor.
Claims20
A payment card, comprising:
- a user-sensor for accepting a user input;
- a processor connected to the user-sensor and providing for user authentication;
- a contact interface connected to the processor and providing for communication with a contact-type smartcard reader;
- a wireless interface connected to the processor and providing for communication with a contactless-type smartcard reader;
- a stripe of magnetic material having a longitudinal length, and a front side and a back side, and able to store electronic data as a magnetic recording comprising a plurality of bits;
- a magnetic write head permanently positioned on said back side of the stripe at a particular data bit of one of said plurality of bits, and providing for electronic-magnetic alteration of a data bit magnetically readable on said front side;
- a magnetic recording serially accessible to a longitudinally moving read head on said front side of the stripe that includes said data bit affected by the magnetic write head;
- and
- a plastic card in which all the other elements are disposed.
A method for operating a payment card, comprising:
- providing a programmable magnetic array on a payment card;
- and
- presenting valid data to said magnetic array for a limited time.
A method for operating a payment card, comprising:
- providing a smartcard contact interface, a wireless smartcard contactless interface, and a programmable magnetic array on a single payment card;
- and
- presenting valid data to said magnetic array for a limited time.
A method for operating a payment card, comprising:
- providing a smartcard contact interface, a wireless smartcard contactless interface, and a programmable magnetic array on a single payment card;
- requiring a user to enter a password on said single payment card;
- and
- presenting valid data to said magnetic array for a limited time if the user is authenticated.
A method for operating a payment card, comprising:
- providing a smartcard contact interface, a wireless smartcard contactless interface, and a programmable magnetic array on a single payment card;
- requiring a user to enter a biometric on said single payment card;
- and
- presenting valid user account data to a corresponding card reader for a limited time if the user is authenticated.
A method for a transaction process, comprising:
- embedding an algorithm that encodes unique user data in a cryptoprocessor;
- requesting a new unique transaction encoding to be issued by using said cryptoprocessor to process said algorithm and to generate a data suited to a card-acceptance system pre-processing requirements;
- and
- using a conventional transaction infrastructure and server to derive from said number said unique user data.
Dependencies are inferred from the claim text.