Payment Cards for Multiple Accounts, and Methods Associated Therewith

Patent metadata

Field	Value
Publication number	US-2016217455-A1
Application number	US-201615007760-A
Country	US
Kind code	A1
Filing date	Jan 27, 2016
Priority date	Jan 28, 2015
Publication date	Jul 28, 2016
Grant date	—

Abstract

Provided is a payment card for multiple accounts. The card comprises a card member; a plurality of programmable chips, at least one of which is releasably attached to the card member; each programmable chip has an associated personal identification number (PIN); and a control chip operable for selecting one of the programmable chips to be active during a transaction.

First claim

1 . A payment card for multiple accounts, the payment card comprising:
a card member; a plurality of programmable chips, at least one of which is releasably attached to the card member; each programmable chip including an associated personal identification number (PIN); and a control chip operable for selecting one of the programmable chips to be active during a transaction.

2 . The payment card of claim 1 , further comprising a magnetic stripe.

3 . The payment card of claim 2 , wherein the control chip is configured to communicate with the magnetic stripe; and
wherein the control chip is configured to control whether the magnetic stripe is utilized in a transaction.

4 . (canceled)

5 . The payment card of claim 1 , wherein the control chip is configured to provide virtual card capabilities.

6 . The payment card of claim 1 , further comprising a near field communication module.

7 . The payment card of claim 1 , further comprising a biometric reader.

8 . The payment card of claim 7 , wherein the biometric reader is operable to read a fingerprint.

9 . The payment card of claim 1 , further comprising an indicator for indicating the selected one of the programmable chips.

10 . The payment card of claim 1 , further comprising a display.

11 . The payment card of claim 1 , further comprising a power source.

12 . A method of manufacturing a payment card for multiple accounts, the method comprising:
providing a card member; providing a plurality of programmable chips, at least one of which is releasably attached to the card member; each programmable chip including an associated personal identification number (PIN); and providing a control chip which is operable for selecting one of the programmable chips to be active during a transaction.

13 . The method of claim 12 , further comprising providing a magnetic stripe on the card member.

14 . The method of claim 13 , wherein the control chip is configured to communicate with the magnetic stripe; and
wherein the control chip is configured to control activation and deactivation of the magnetic stripe.

15 . (canceled)

16 . The method of claim 12 , wherein the control chip is configured to provide virtual card capabilities.

17 . The method of claim 12 , further comprising providing a near field communication module on the card member; and/or
providing a biometric reader on the card member.

18 . (canceled)

19 . The method of claim 12 , further comprising providing an indicator for indicating the selected one of the programmable chips.

20 . The method of claim 12 , further comprising providing a display on the card member; and/or
providing a power source on the card member.

21 . (canceled)

22 . The method of claim 12 , wherein the payment card derives power from a point of sale (POS) device when inserted therein during a transaction.

23 . The method of claim 22 , wherein the POS device provides a menu for facilitating a user selecting one of the programmable chips to be active during the transaction.

24 . The method of claim 12 , further comprising:
associating a near field communication module with the card member; and configuring a mobile device to communicate with the payment card using near field communication; wherein the mobile device is configured to communicate with the control chip; and/or wherein the mobile device is configured to provide software updates to the programmable chips.

25 . (canceled)

26 . (canceled)

Assignees

• Mastercard International Inc

Inventors

• Hosny Ahmed
• Long John

Classifications

• G06K19/07707

  the visual interface being a display, e.g. LCD or electronic ink · CPC title

• G06K19/0702

  the arrangement including a battery · CPC title

• G06K19/06187

  with magnetically detectable marking · CPC title

• G06Q20/341

  Active cards, i.e. cards including their own processing means, e.g. including an IC or chip · CPC title

• G06K19/072

  the record carrier comprising a plurality of integrated circuit chips · CPC title