Method and apparatus for providing real time mutable credit card information with future timestamp functionality

A method for using a smartcard, the smartcard comprising a microprocessor chip, a button, a dynamic transaction authorization number, a Bluetooth low energy (“BLE”) device, a battery configured to power the BLE and the microprocessor chip, memory configured to store the dynamic transaction authorization number, a dynamic magnetic strip comprising a digital representation of the dynamic transaction authorization number, the method comprising:

• transmitting, upon depression of the button, an instruction to a smartphone for a request for a dynamic transaction authorization number;
• receiving a dynamic transaction authorization number from the smartphone;
• receiving a future timestamp and a new dynamic transaction authorization number from an administrative database network via an application on the smartphone;
• saving the new dynamic transaction authorization number to memory;
• and
• trigger, at the time of the future timestamp, writing from the memory to the dynamic magnetic strip, a digital representation of the dynamic transaction authorization.

A system for changing smartcard information on one or more smartcards comprising a microprocessor chip, a button, a dynamic transaction authorization number, a Bluetooth low energy (“BLE”) device, a battery configured to power the BLE and the microprocessor chip, memory configured to store the dynamic transaction authorization number, a dynamic magnetic strip comprising a digital representation of the dynamic transaction authorization number, the system comprising:

• an administrative database network in communication with a plurality of smartcards, via applications on a plurality of smartphones;
• the administrative database network configured to transmit a plurality of discrete dynamic transaction authorization numbers and a plurality of future timestamps to one or more of the smartcards, the transmission being instructive to the smartcard to:
• save the dynamic transaction authorization number and the future timestamp to the memory;
• and
• trigger, at the time of the future timestamp, writing from the memory to the dynamic magnetic strip, the digital representation based on the transmitted discrete dynamic transaction authorization number.