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

Patent metadata

Field	Value
Publication number	US-10255545-B2
Application number	US-201615225133-A
Country	US
Kind code	B2
Filing date	Aug 1, 2016
Priority date	Dec 24, 2007
Publication date	Apr 9, 2019
Grant date	Apr 9, 2019

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:
circuitry operable to communicate with a cellular network;
RFID circuitry operable to electrically couple the device to a payment terminal and to communicate RFID data to the payment terminal;
a coil; and
a processor for controlling the operation of the coil such that the coil is operable to electrically couple the device to the payment terminal and to communicate data in magnetic stripe data format to the payment terminal,
wherein the coil is operable to electrically couple the device to the payment terminal from a position beneath a surface of the device.

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 portable telephonic device.

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

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

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

7. The device of claim 1 , wherein the RFID circuitry comprises an RFID antenna.

8. The device of claim 1 , wherein the RFID circuitry is further operable to electrically couple the device to the payment terminal when the device is outside and within proximity of the payment terminal.

9. A device comprising:
circuitry for cellular communications;
an RFID operable to electrically couple to a payment terminal and to communicate RFID data to the payment terminal; and
a processor for controlling a coil operable to electrically couple to the payment terminal and to communicate magnetic stripe data to the payment terminal,
wherein the coil is operable to electrically couple the device to the payment terminal from a position beneath a surface of the device.

10. The device of claim 9 , wherein the device is thicker than a payment card.

11. The device of claim 9 , wherein the device is a portable telephonic device.

12. The device of claim 9 , wherein the device is a portable media player.

13. The device of claim 9 , further comprising:
a display operable to display a virtual payment card.

14. The device of claim 9 , further comprising:
a touch-sensitive display operable to display a virtual payment card.

15. The device of claim 9 , wherein the RFID comprises an RFID antenna.

16. The device of claim 9 , wherein the RFID is further operable to electrically couple to the payment terminal when the device is outside and within proximity of the payment terminal.

Assignees

• Dynamics Inc

Inventors

• Mullen Jeffrey D
• Lambeth David N
• Cloutier Bruce

Classifications

• G06K19/083 Primary

  Constructional details · CPC title

• A61B5/02042 Primary

  Determining blood loss or bleeding, e.g. during a surgical procedure · CPC title

• G06V10/25

  Determination of region of interest [ROI] or a volume of interest [VOI] · CPC title

• G06T2207/10024

  Color image · CPC title

• A61B5/02

  Detecting, measuring or recording for evaluating the cardiovascular system, e.g. pulse, heart rate, blood pressure or blood flow · CPC title