Cards and devices with multifunction magnetic emulators and methods for using same

Patent metadata

Field	Value
Publication number	US-10032100-B2
Application number	US-201615137096-A
Country	US
Kind code	B2
Filing date	Apr 25, 2016
Priority date	Dec 24, 2007
Publication date	Jul 24, 2018
Grant date	Jul 24, 2018

Abstract

A payment card (e.g., credit and/or debit card) is provided with a magnetic emulator operable of communicating information to a magnetic stripe reader. Information used in validating a financial transaction is encrypted based on time such that a validating server requires receipt of the appropriate encrypted information for a period of time to validate a transaction for that period of time. Such dynamic information may be communicated using such an emulator such that a card may be swiped through a magnetic stripe reader—yet communicate different information based on time. An emulator may receive information as well as communicate information to a variety of receivers (e.g., an RFID receiver).

First claim

What is claimed is:

1. A device comprising:
a circuit operable to emit an electromagnetic field and to electrically couple to, and transmit data to, a read-head located on a magnetic stripe reader; and
a processor for controlling the circuit,
wherein the circuit is operable to communicate the data to the read-head while located outside of the magnetic stripe reader at a distance of at least a quarter of an inch from the read-head.

2. The device of claim 1 , wherein the device is thicker than a payment card.

3. The device of claim 1 , wherein the device is a wireless communication device.

4. The device of claim 1 , wherein the device is a portable telephonic device.

5. The device of claim 1 , wherein the device is a portable media player.

6. The device of claim 1 , further comprising a display operable to display a virtual card.

7. The device of claim 1 , further comprising a touch-sensitive display operable to display a virtual card.

8. The device of claim 1 , wherein the circuit is operable to emit a second electromagnetic field.

9. The device of claim 1 , wherein the circuit is operable to emit a second electromagnetic field in parallel with the electromagnetic field.

10. The device of claim 1 , wherein the circuit is operable to serially transmit the data.

11. The device of claim 1 , wherein the circuit is operable to transmit the data in a parallel operation.

12. A portable telephonic device comprising:
a circuit operable to emit an electromagnetic field and to electrically couple to, and transmit data to, a read-head located on a magnetic stripe reader; and
a processor for controlling the circuit, wherein the circuit is operable to communicate the data to the read-head while located outside of the magnetic stripe reader.

13. The portable telephonic device of claim 12 , further comprising a graphical user interface.

14. The portable telephonic device of claim 12 , wherein the circuit is operable to communicate the data to the read-head located at a distance of at least a quarter of an inch from the portable telephonic device.

15. The portable telephonic device of claim 12 , wherein the portable telephonic device is a portable media player.

16. The portable telephonic device of claim 12 , further comprising a display operable to display a virtual card.

17. The portable telephonic device of claim 12 , further comprising a touch-sensitive display operable to display a virtual card.

18. The portable telephonic device of claim 12 , further comprising a second circuit operable to emit a second electromagnetic field.

19. The portable telephonic device of claim 12 , further comprising a second circuit operable to emit a second electromagnetic field in parallel with the electromagnetic field.

20. The portable telephonic device of claim 12 , wherein the circuit is operable to serially transmit the data.

Assignees

• Dynamics Inc

Inventors

• Mullen Jeffrey D
• Lambeth David
• Cloutier Bruce

Classifications

• G06K19/083

  Constructional details · CPC title

• A61B5/02042 Primary

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• G06V10/25

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• G06T2207/10024

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• G06T2207/30004

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