US 2009/0255996 A1Published application

Three-legacy mode payment card with parametric authentication and data input elements

OwnerKerry D. Brown, Daniel Chatelaininventors

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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.

Claims17

Dependent claims

A three-mode payment card configured in a standardized credit card format equivalent to ISO/IEC-7810, and having:

a plastic card body in which all the other elements are disposed;
a contact interface with surface contacts and providing for communication of encoded bank and user information with a contact-type smartcard reader in a first mode;
a wireless interface with an antenna and providing for contactless communication of encoded bank and user information with a contactless-type smartcard reader in a second mode;
a dual-input crypto-processor for supporting contact-type smart card communication equivalent to ISO/IEC-7816 through the contact interface, and for also supporting contactless-type smart card communication equivalent to ISO/IEC-14443 through the wireless interface;
and characterized by:
a magnetic stripe with a magnetic array interfaced to the dual-input crypto-processor, and that provide for magnetic presentations in parallel that mimic a conventional legacy magnetic stripe encoded with bank and user information to a magnetic card reader in a third mode;
a magnetic recording serially accessible to a longitudinally moving read head on a front side of the magnetic stripe that includes at least one dynamic data bit controlled by said magnetic array;
a data generator and a data receptor for receiving an initial programming of personalization data from a card issuer, bank agency or manufacturer, and for outputting through the magnetic array a number of programmable data bits that are combined in a string with a number of permanent data bits;
a programmable interface controller (PIC) interfaced to the dual-input crypto-processor through the contact interface;
an input device for accepting information solicited from a user and providing it to the PIC;
and
an electronic display connected to present text messages from the PIC to said user.

9 more elements

A payment card configured in a standardized credit card format equivalent to ISO/IEC-7810, and having:

a plastic card body in which all the other elements are disposed;
at least one of a contact interface with contact-type smart card communication equivalent to ISO/IEC-7816, and a wireless interface with an antenna providing for contactless-type smart card communication equivalent to ISO/IEC-14443;
a crypto-processor for supporting smartcard communication through either of said contact and wireless interfaces;
and characterized by:
a data generator and a data receptor for receiving an initial programming of personalization data from a card issuer, bank agency or manufacturer, and for encoding bank and user information for output by either of said contact and wireless interfaces with sequenced portions that can be expected by the card issuer;
a programmable interface controller (PIC) interfaced to the crypto-processor;
and
an electronic display connected to present text messages from the PIC and the crypto-processor to said user.

5 more elements

Dependencies are inferred from the claim text.

Facts

Application: 12/489,662Filed 23 Jun 2009
Priority: 17 Dec 2003
Published: 15 Oct 2009
Term ends: Not estimatedThe source records don’t support an estimate.

Classification12 codes

G06K 19/06187
Characterised by the kind of the digital marking, e.g. shape, nature, code: with magnetically detectable marking
G06K 19/06196
With magnetically detectable marking: constructional details
G06K 19/07
Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or…:…
G06K 19/0723
With integrated circuit chips: the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on…

Family

Application10/738,376Continuation in part · filed 17 Dec 2003
Application10/800,821Division · filed 15 Mar 2004
Application12/489,662Division
Application10/800,821Continuation in part
US 2004/0177045 A1Published application
US 2005/0133606 A1Published application
US 7,044,394 B2Related patent
US 2009/0255996 A1This patent

From the US filing history. Foreign family members aren’t listed.

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