Display card with user interface

Patent metadata

Field	Value
Publication number	US-9864944-B2
Application number	US-201414305423-A
Country	US
Kind code	B2
Filing date	Jun 16, 2014
Priority date	Jun 17, 2013
Publication date	Jan 9, 2018
Grant date	Jan 9, 2018

Abstract

A display card 301 with a user interface for providing one or more services. The card 301 comprises: an external interface 302, 303 for communication with a terminal external from the card 301 ; a Chip 401 comprising one or more servers for storing one or more applications, wherein the Chip 401 is arranged to communicate with the external interface 302, 303 ; a user interface 304, 305, 306 for interacting with a user of the card 301 ; a micro-terminal 402 for controlling the provision of one or more services, wherein the micro-terminal 402 is arranged to communicate with the user interface 304, 305, 306 ; and the Chip 401 and micro-terminal 402 are arranged to communicate with each other via an internal interface 403 of the Chip 401 . Applications include payment cards and passes.

First claim

The invention claimed is:

1. A card ( 301 ) for providing one or more services, the card ( 301 ) comprising:
an external interface ( 302 , 303 ) for communication with a terminal external from the card ( 301 );
a Chip ( 401 ) comprising one or more servers for storing one or more applications, wherein the Chip ( 401 ) is arranged to communicate with the external interface ( 302 , 303 );
a user interface ( 304 , 305 , 306 ) for interacting with a user of the card ( 301 );
a re-configurable micro-terminal processor ( 402 ) for controlling the provision of one or more services, wherein the micro-terminal processor ( 402 ) is arranged to receive data from and transmit data to the user interface ( 304 , 305 , 306 ); and
the Chip ( 401 ) and micro-terminal processor ( 402 ) are arranged to communicate with each other via an internal interface ( 403 ) of the Chip ( 401 ) and the Chip ( 401 ) is configured to send information to the micro-terminal processor ( 402 ) via the internal interface ( 403 ) in response to receiving one or more commands from the micro-terminal processor ( 402 ).

2. The card ( 301 ) of claim 1 , wherein the external interface ( 302 , 303 ) comprises:
a contact interface ( 302 ) for communication with the external terminal over a non-wireless connection; and/or
a contactless interface ( 303 ) for wireless communication with the external terminal.

3. The card ( 301 ) according to claim 1 , wherein the user interface ( 304 , 305 , 306 ) comprises one or more of:
a keyboard ( 304 );
a display ( 305 ); and
LEDs ( 306 ).

4. The card ( 301 ) according to claim 1 , wherein the Chip ( 401 ) is configured to send information to the external terminal via the external interface ( 302 , 303 ) in response to receiving one or more commands from the external terminal.

5. The card ( 301 ) according to claim 1 , wherein the one or more commands are Command Application Protocol Data Units, C-APDUs, and the information sent in response to receiving the one or more commands are Response Application Protocol Data Units, R-APDUs.

6. The card ( 301 ) according to claim 1 , further comprising a battery arranged to provide the power supply of the Chip ( 401 ), the micro-terminal ( 402 ) and the user interface ( 304 , 305 , 306 ).

7. The card ( 301 ) according to claim 1 , wherein the Chip ( 401 ) comprises a plurality of servers.

8. The card ( 301 ) according to claim 7 , wherein the Chip ( 401 ) comprises an interception application for controlling the operation of the servers of the Chip ( 401 ) when providing the services of the micro-terminal processor ( 402 ).

9. The card ( 301 ) according to claim 8 , wherein the interception application is arranged between the external interface ( 302 , 303 ), the internal interface ( 403 ) and the servers of the Chip ( 401 ).

10. The card ( 301 ) according to claim 8 , wherein the interception application comprises an engine arranged to control logical switching and filtering operations.

11. The card ( 301 ) according to claim 8 , wherein:
the Chip ( 401 ) has permanent electrical connections to the components of the external interface ( 302 , 303 ); and
the interception application is configured to logically switch on and off communication between the Chip ( 401 ) and the components of the external interface ( 302 , 303 ) without physically changing the electrical connections to the components of the external interface ( 302 , 303 ).

12. The card ( 301 ) according to claim 1 , wherein the micro-terminal ( 402 ) is arranged to send one or more commands to the Chip ( 401 ) and to use the information received in one or more responses to provide one or more of the following services:
display an account balance of the card ( 301 );
display a log of operations performed by the card ( 301 );
display a one time use password generated by the card ( 301 ); and
verify, by the card ( 301 ), a PIN of a user that is input to the user interface ( 304 , 305 , 306 ) of the card ( 301 ).

13. The card ( 301 ) according to claim 1 , wherein the micro-terminal processor ( 402 ) is arranged to provide a new service by performing logical operations only and without changing the electrical configuration of the card ( 301 ).

14. The card ( 301 ) according to claim 13 , wherein the new service comprises disabling any of the components of the external or user interfaces of the card ( 301 ), such as disabling contactless communication with the card ( 301 ).

15. The card ( 301 ) according to claim 12 , wherein the card ( 301 ) is arranged to provide a service in response to the user interface ( 304 , 305 , 306 ) receiving a selection of the service from a user.

16. The card according to claim 1 , wherein the card is a payment card.

Assignees

• Mastercard International Inc

Inventors

• Radu Cristian
• Pochic Sebastien
• Ates Fikret

Classifications

• G06K19/07705

  the visual interface being a single light or small number of lights capable of being switched on or off, e.g. a series of LEDs · CPC title

• G07F7/0853

  On-card keyboard means · CPC title

• G06K19/07707

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

• G06K19/07709

  the interface being a keyboard · CPC title

• G07F7/0806

  Details of the card (record carriers per se G06K) · CPC title