A user is provided with a GUI that may allow the user to change functionality associated with a non-battery-powered card, a battery-powered card, a payment sticker, or another device (e.g., a mobile telephonic device). The GUI may be provided by a website so that a user views the GUI from a web-browser. At any time, for example, a user may change additional functionality performed at a point-of-sale purchase. A user may change the additional functionality for a card or a button of a card. A user may switch to associate a game of chance or skill to the purchase.
A kiosk may be provided that contains a number of blank cards. A graphical user interface of the kiosk may allow a user to define products that may be associated with a blank card contained within the kiosk. Aesthetic and functional features may be applied to a blank card by a kiosk and dispensed to a user of the kiosk as a fully functional card. An interrogation device of a kiosk may retrieve products associated with a current card and may associate the retrieved products with a new card to be dispensed from the kiosk. A kiosk may access a network to preauthorize any products that may be associated with a card dispensed from or programmed by the kiosk.
09 - Scientific and electric apparatus and instruments
Goods & Services
Cards with integrated circuits; Chipcards; Electronic circuit cards; Encoded electronic chip cards containing programming used to progress a financial transaction; Encoded electronic chip cards for progressing a financial transaction; Encoded integrated circuit cards containing programming used to progress a financial transaction; Encoded smart cards containing programming used to progress a financial transaction; Integrated circuit cards and components; Magnetic coded cards for progressing a financial transaction; Magnetically encoded credit cards; Microchip cards
4.
PAYMENT DEVICE APPLETS WITH PRE-STORED MESSAGES AND TRIGGERABLE LOGIC
A system may include a payment card that includes one or more chips that are operable to utilize information in a payment transaction to enact different functions. For example, a payment applet in a contact chip transaction (e.g., contact EMV transaction) or contactless chip transaction (e.g., contactless EMV transaction) may utilize information that flows through the chip (e.g., country, time, date, transaction amount, approval status) to trigger pre-stored messages or functions (e.g., switch to a payment option or account). Information may be introduced into the chip during a transaction as a result of manual input from the cardholder on the cardholder's phone or other device. Thus, transaction scripting (e.g., EMV scripting) may be utilized to let a card (e.g., static or powered) know that a function (e.g., change of account) is desired by a cardholder and the chip may, if not in the proper account, reset and restart the chip in a mode associated with the desired function (e.g., in the desired account).
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
Advanced payment applications are provided to improve the functionality of cards and devices. For example, a user interface may be placed on a card (e.g., a physical button) or a telephonic device (e.g., a virtual button on a capacitive touch screen). A code may be manually or wirelessly communicated to a card. The code may be presented on a search results page of a web search. The code may then be communicated to a card reader, such as a magnetic stripe reader. In doing so, a merchant may determine what online search results resulted in an in-store sale.
One or more detection activities of a card may allow calculation of rolling speed in motorized readers. Accordingly, the detection activity may result in a data transmission speed with greater accuracy after a determination of position, velocity and/or acceleration of the faster-moving device in relation to the card. Such detection activities may increase a probability of a successful communication sequence.
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
Consignment services and online consignment services whereby goods are received on consignment for sale; distribution services, namely, the bringing together, for the benefit of others, of goods by way of an online marketplace; collectibles including trading cards, comics, action figures, etc. Providing storage facilities for artworks, collectibles and other valuables; providing packaging, crating, transportation and international shipping services for artworks, collectibles and other valuables.
8.
CARDS, DEVICES, SYSTEMS, METHODS AND DYNAMIC SECURITY CODES
A dynamic code may be validated by comparing the dynamic code to a verification code. The card may generate the dynamic code using a random object and a function. The random object may be generated using a random object generator. The function may be determinable using a function determination object and a look-up-table (LUT), the function determination object associable to exponents and operators, listed in the LUT, that may be combined with base variables to determine the function. The dynamic code may be determined by substituting portions of the random object for the base variables in the function. The card may communicate the dynamic code, the random object and an identifier to a remote processing facility. The remote processing facility may use the identifier to determine the function, use the random object to determine a verification code and compare the verification code to the dynamic code.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G07F 7/10 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card together with a coded signal
9.
DYNAMIC MAGNETIC STRIPE COMMUNICATIONS DEVICE WITH STEPPED MAGNETIC MATERIAL FOR MAGNETIC CARDS AND DEVICES
A flexible card may include a dynamic magnetic stripe communications device having multiple layers, such as an electromagnetic generator, a magnet, and a shield. A shield may form a non-flexible layer within the stack and may bend, but the shield may not be able to stretch or compress. Flexible layers may surround and adhere to the shield such that when the card is flexed, the flexible layers may stretch and compress with the movement of the shield. The dynamic magnetic stripe communications device may include one or more coils. Each coil may contain a stepped material, such that a length of a lower layer of the stepped material is longer than a length of a middle layer of the stepped material which is longer than a length of a top layer of the stepped material.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
A detection activity of a card may be sensitive to capacitance changes in one or more pads on the card, where a capacitance change detected in a pad during a first time period does not affect a capacitance change detected in the pad during subsequent time period(s). Accordingly, the detection activity may remain sensitive to a faster-moving device with greater accuracy in a determination of position, velocity and/or acceleration of the faster-moving device in relation to the card. A second detection activity may follow a first detection activity, which may increase a probability of a successful communication sequence subsequent to the first detection activity.
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
A card, such as a payment card, or other device may include an electronics package. The electronics package may include an RFID antenna. The RFID may not be utilized to access data on the card, or other device, until the appropriate manual input is received into the card or other device. Such manual input may take the form of a manual press of a physical button or the manual activation of a virtual button on a touch-screen device (e.g., a touch-screen mobile phone or card).
G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
G07F 7/10 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card together with a coded signal
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
14.
SYSTEMS AND METHODS FOR ADVANCED COMMUNICATION MECHANISMS FOR MAGNETIC CARDS AND DEVICES
A card may detect variations (e.g., position, velocity, acceleration and direction) of a read head in relation to the card. Based on certain parameters (e.g., card length, initially detected read head position, and read head velocity) the card may change communicated bit parameters (e.g., bit period) so that a total number of data bits may be communicated by the card to the read head while the read head remains within a communication distance of the card.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
15.
Exchange Coupled Amorphous Ribbons for Telephonic Devices
Dynamic magnetic stripe communications devices may include a coil. An exchange coupled amorphous material may be inside the coil, for example, in the form of a ribbon. The exchange coupled amorphous material may include magnetically hard crystallites embedded in a soft magnetic amorphous matrix and/or at least one crystalline surface layer. A device may include a dynamic magnetic stripe communications device including one or more exchange coupled amorphous ribbons. The device may include more than one exchange coupled amorphous ribbon. Amorphous ribbons and/or layers of amorphous ribbons may be stacked (e.g., in alignment to one another) and/or offset at different heights. The ribbons may be in a single domain state without an external magnetic field, for example, an external magnetic field from a permanent magnet. The device may not include a permanent magnet.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
16.
Cards, devices, EMV contacts, and methods of manufacturing cards, devices and EMV contacts
A flexible device, such as a powered card or processor based system, may include a connector array. The connector array may be a contact connector such as an EMV connector. The connector array may include discrete connectors connected to landing pads of a circuit board. The discrete connectors may be exposed on a surface of the flexible device, and may be arranged in rows and columns. The discrete connectors may be formed using vias and by introducing material into the vias. A mask may be used to extend a level of the discrete connectors above an outer layer of the flexible device. A personalization layer may be applied to the flexible device to about a level of an outer surface of the connector. The flexible device may be programmed and tested during the application of the personalization layer.
G06K 19/02 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the selection of materials, e.g. to avoid wear during transport through the machine
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
17.
Magnetic stripe track signal having multiple communications channels
An electronic card (e.g., an electronic payment card) or another device (e.g., a wireless telephonic device) is provided that may communicate dynamic magnetic stripe data to a magnetic stripe reader. Information may be embedded into a magnetic track of data representative of additional information such as, for example, a unique identification number or an additional track of magnetic stripe data.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
18.
Programming with light for powered cards and devices
Programming fixtures are provided that program cards, such as payment cards, with data, such as personal data, using light transmitters and receivers. For example, an infrared transmitter may be provided to program personal data (e.g., a customer's credit card number) into a card wirelessly. In doing so, the card may be, for example, completely laminated such that there are no exposed electronic components on the exterior surface of the card and be programmed via light.
A card exhibiting multiple linear arrays of sensors are provided to detect a presence and movement of an external object (e.g., a read-head of a magnetic stripe reader). Each sensor of each array of sensors may be independently connected to a dual port of a processor so that the processor may determine a direction in which the card is swiped through a magnetic stripe reader. A portion of sensors of each array of sensors may be shared by a portion of inputs and/or outputs of a single port of a processor. Sensors may be cross-coupled to a single processor port so that forward and reverse directions of a card swipe may nevertheless be detected by a single-port processor of a card.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
One or more detection activities of a card may allow calculation of rolling speed in motorized readers. Accordingly, the detection activity may result in a data transmission speed with greater accuracy after a determination of position, velocity and/or acceleration of the faster-moving device in relation to the card. Such detection activities may increase a probability of a successful communication sequence.
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
21.
Systems and methods for matching online searches to in-store purchases
Advanced payment applications are provided to improve the functionality of cards and devices. For example, a user interface may be placed on a card (e.g., a physical button) or a telephonic device (e.g., a virtual button on a capacitive touch screen). A code may be manually or wirelessly communicated to a card. The code may be presented on a search results page of a web search. The code may then be communicated to a card reader, such as a magnetic stripe reader. In doing so, a merchant may determine what online search results resulted in an in-store sale.
A card is provided, such as a credit card or security card, that may transmit information to a magnetic stripe reader via a magnetic emulator. The emulator may transmit the information in order to reduce the amount of circuitry needed to emulate a particular block of information. Additionally, for example, one or more buttons may be included on the card. Buttons may be includes, for example, to provide a control interface to navigate through various options of the card. Additionally, coding schemes may be selected via buttons. Furthermore, a card may be locked until a private number is entered into a card or a number may only be generated (e.g., displayed and/or emulated) once a particular private number is entered into a card.
A61B 5/02 - Detecting, measuring or recording for evaluating the cardiovascular system, e.g. pulse, heart rate, blood pressure or blood flow
G06F 3/0488 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures
G06K 7/00 - Methods or arrangements for sensing record carriers
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06K 19/08 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 30/0207 - Discounts or incentives, e.g. coupons or rebates
G06T 7/62 - Analysis of geometric attributes of area, perimeter, diameter or volume
G06V 10/24 - Aligning, centring, orientation detection or correction of the image
G06V 10/25 - Determination of region of interest [ROI] or a volume of interest [VOI]
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
G07F 7/10 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card together with a coded signal
23.
Cards, devices, systems, methods and dynamic security codes
A dynamic code may be validated by comparing the dynamic code to a verification code. The card may generate the dynamic code using a random object and a function. The random object may be generated using a random object generator. The function may be determinable using a function determination object and a look-up-table (LUT), the function determination object associable to exponents and operators, listed in the LUT, that may be combined with base variables to determine the function. The dynamic code may be determined by substituting portions of the random object for the base variables in the function. The card may communicate the dynamic code, the random object and an identifier to a remote processing facility. The remote processing facility may use the identifier to determine the function, use the random object to determine a verification code and compare the verification code to the dynamic code.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
24.
Dynamic magnetic stripe communications device with stepped magnetic material for magnetic cards and devices
A flexible card may include a dynamic magnetic stripe communications device having multiple layers, such as an electromagnetic generator, a magnet, and a shield. A shield may form a non-flexible layer within the stack and may bend, but the shield may not be able to stretch or compress. Flexible layers may surround and adhere to the shield such that when the card is flexed, the flexible layers may stretch and compress with the movement of the shield. The dynamic magnetic stripe communications device may include one or more coils. Each coil may contain a stepped material, such that a length of a lower layer of the stepped material is longer than a length of a middle layer of the stepped material which is longer than a length of a top layer of the stepped material.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
25.
Systems and methods for advanced communication mechanisms for magnetic cards and devices
A card may detect variations (e.g., position, velocity, acceleration and direction) of a read head in relation to the card. Based on certain parameters (e.g., card length, initially detected read head position, and read head velocity) the card may change communicated bit parameters (e.g., bit period) so that a total number of data bits may be communicated by the card to the read head while the read head remains within a communication distance of the card.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
26.
Systems and method for anti-skimming RFID topologies
A card, such as a payment card, or other device may include an electronics package. The electronics package may include an RFID antenna. The RFID may not be utilized to access data on the card, or other device, until the appropriate manual input is received into the card or other device. Such manual input may take the form of a manual press of a physical button or the manual activation of a virtual button on a touch-screen device (e.g., a touch-screen mobile phone or card).
G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
27.
SYSTEMS AND METHODS FOR SYNCHRONIZATION MECHANISMS FOR MAGNETIC CARDS AND DEVICES
A processor of a card may detect variations (e.g., position, velocity, acceleration and direction) of a read head in relation to the card. Based on certain parameters (e.g., card length, initially detected read head position, and read head velocity) a processor of a card may adjust synchronization bit patterns that may synchronize communications between the card and a read head of a magnetic stripe reader. A processor of a card may generate a number of leading synchronization bits that is different than a number of trailing synchronization bits.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
28.
Cards, devices, systems, and methods for a notification system
A user is provided with a GUI that may allow the user to change functionality associated with a non-powered card, a powered card or other device (e.g., a mobile telephonic device). The functionality associated with the device may be displayed by the GUI as a list of third-party applications that may be executed when the user's card or other device is used to complete a purchase transaction. The GUI allows the user to receive and view notifications sent from the third-party application developer via a remote facility that may, for example, allow the third-party application developer to promote the third-party application.
G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
29.
Systems and methods for synchronization mechanisms for magnetic cards and devices
A processor of a card may detect variations (e.g., position, velocity, acceleration and direction) of a read head in relation to the card. Based on certain parameters (e.g., card length, initially detected read head position, and read head velocity) a processor of a card may adjust synchronization bit patterns that may synchronize communications between the card and a read head of a magnetic stripe reader. A processor of a card may generate a number of leading synchronization bits that is different than a number of trailing synchronization bits.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
Online transaction services, namely, operating online marketplaces for sellers and buyers of goods and services; online trading services in which sellers post products or services to be offered for sale, and purchasing or bidding is done via the Internet in order to facilitate the sale of goods and services by others via a computer network; providing ratings and commercial evaluative feedback of consumer goods and services, namely, the value and prices of consumer goods and services, buyers' and sellers' performance, delivery, and overall experience in connection therewith for others prior to purchase; providing a searchable online advertising guide featuring the goods and services of online vendors; providing a searchable online evaluation database for buyers and sellers featuring physical and digital collectibles in the nature of trading cards, comic books, action figures, posters, sports equipment, and sports clothing; advertising and advertisement services; verifying and monitoring the credentials of commercial goods producers and sellers for business purposes, namely, the purpose of helping consumers make informed purchasing decisions
31.
SYSTEMS AND METHODS FOR MULTIPLE SMART CONTRACTS FOR MULTIPLE LEDGER NON-FUNGIBLE TOKENS AND METHODS FOR MANAGING THE SAME
One or more smart contracts on a ledger (e.g., a public blockchain) may work in tandem, for example, to associate non-fungible tokens on multiple (e.g., two or more) different ledgers to be represented simultaneously and/or sequentially on the multiple ledgers utilizing an intermediary tokenization representation on the one or more smart contracts. A smart contract, of feature of a smart contract, may be utilized to verify the association on each individual ledger using features of those individual ledgers.
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
32.
PROVIDING HIGH EFFICIENCY META MARKETS WITH DIGITAL OWNERSHIP TRANSACTIONS OF PHYSICAL COLLECTIBLE ITEMS
A system includes a secure vault or system of vaults that store items such as collectible items. A market ecosystem is provided where buyers and sellers can buy, sell and trade the vaulted items without physically moving the location of the items. Items may be shipped to an intermediary item management and vaulting system and such items may be manually or automatically unboxed, permanently encapsulated (e.g., via ultrasonic welding or permanent adhesive), image captured, stored, and listed on a transactional marketplace.
A flexible card may include a stacked dynamic magnetic stripe communications device having multiple layers, such as a magnetic emulator, a magnet, and a shield. A shield may form a non-flexible layer within the stack and may bend, but the shield may not be able to stretch or compress. Flexible layers may surround and adhere to the shield such that when the card is flexed, the flexible layers may stretch and compress with the movement of the shield.
A user is provided with a GUI that may allow the user to change functionality associated with a non-battery-powered card, a battery-powered card, a payment sticker, or another device (e.g., a mobile telephonic device). Such functionality may cause a network entity to deliver transaction details to a processing facility. The processing facility may be implemented with processing zones for scrubbing personal information from the transaction details and providing sanitized information to third party applications that may utilize the sanitized information for value. Third-party applications may interact with the processing facility via zone-based APIs to promote third-party software development within the processing facility and to promote third-party communications with the processing facility. Each of the processing zones may enforce security contexts such that processing zones of equal security contexts may communicate with other, while processing zones of unequal security contexts may not.
Programming fixtures are provided that program devices, such as payment cards, with data, such as personal data, using light transmitters and receivers. A code sequence may be entered into the devices to transition the devices into one of several test modes. Pressing a button may cause diagnostic data to be communicated by the device. Pressing another button may cause default data to be communicated by the device. A personalization test module may capture the diagnostic data and/or default data to document and/or verify operation of the device.
G06K 5/00 - Methods or arrangements for verifying the correctness of markings on a record carrierColumn-detection devices
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 7/00 - Methods or arrangements for sensing record carriers
A wallet card or other device includes three buttons, a PCB antenna for connection to all cellular bands including low band, mid band and high band, dual pressure sensors operable to determine velocity and/or as an independent trigger, a cellular chip whose encryption/decryption key between a payment network and the cellular chip is dynamically changeable for security, and a dynamic magnetic communications device operable to communicate data using a magnetic data waveform with amplitude adjusted by the device.
G06Q 30/02 - MarketingPrice estimation or determinationFundraising
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
39.
Systems and methods for trimming powered cards and devices
Cards may be manufactured in a lamination process, such that interior portions of the cards may be visible. Punch alignment queues within the card may be scanned by a punch machine and rendered onto a display of the punch machine. The punch alignment queues may be aligned with targets also rendered onto the display so that the card may be properly aligned within a punch machine to prepare the card for a trimming process. A Venturi system may temporarily adhere the card to a punch of the punch machine while the punch is engaged with a die to trim the card. The cutting surface of the die may be offset with respect to a surface of the punch, so that the card may be sequentially trimmed along a perimeter of the card.
A mobile device may receive security credentials from a contactless device via a contactless communication channel to authorize functions that may be performed by the mobile device. For example, purchase transactions may be authorized to be completed by a mobile device after payment information communicated from a physical payment card to the mobile device is confirmed to match at least a portion of payment information stored within a memory of the mobile device. A mobile device may forward the security credentials to a network entity for remote authorization of a requested function.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
A payment card is provided with a display. A card may be provided to a user with a number of inactivated products. The products may be assigned to the user at card issuance. A user may then activate these products online or via phone. Accordingly, a user may be provided with a cross-selling platform for new products. Discounts, fee waivers, and/or value may be added to an account when an inactivated product is activated.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
42.
SYSTEMS, DEVICES AND METHODS FOR VIRAL LOAD REDUCTION AND STERILIZATION
An array of high intensity UVC LEDs usable for in vivo reduction of patient viral load or ex vivo sterilization. A UV-C Amplifier is provided where multiple UV-C LEDs are provided around a work area(e.g., a hollow cylinder) in order to sterilize contaminants in that work area (e.g., virus and/or bacteria) to provide a sterilization device for substances in, or flowing through, the work area. The sterilization device have, for example, mating structures so that the device may be mated with other devices such as, for example, a ventilator or face mask. The sterilization device may be portable and may include one or more rechargeable batteries so that the device can sterilize material flowing into, through, and/or out of one or more devices such as a ventilator or face mask. A UV-C generator is provided where multiple UV-C LEDs are provided around a work area (e.g., a tube).
A62B 7/10 - Respiratory apparatus with filter elements
F24F 8/22 - Treatment, e.g. purification, of air supplied to human living or working spaces otherwise than by heating, cooling, humidifying or drying by sterilisation using UV light
43.
SYSTEMS, DEVICES AND METHODS FOR ULTRA-DENSE, FLEXIBLE ULTRAVIOLET LED MICRO ARRAYS USED IN VIRAL LOAD REDUCTION AND STERILIZATION
A UV-C generator is provided where multiple UV-C LEDs are provided around a work area (e.g., a tube) in order to sterilize contaminants in that work area (e.g., virus and/or bacteria) to provide a sterilization device for substances in, or flowing through, the work area. The tube may gates to change the speed and/or direction of a flowing working substance and may have a spiraling channel in the tube such that the length of travel in the spiraling channel is longer than the tube. Such UV-C generator devices may be utilized, for example, to sanitize air flowing through devices such as a ventilator or face mask.
C02F 1/32 - Treatment of water, waste water, or sewage by irradiation with ultraviolet light
B01D 53/00 - Separation of gases or vapoursRecovering vapours of volatile solvents from gasesChemical or biological purification of waste gases, e.g. engine exhaust gases, smoke, fumes, flue gases or aerosols
45.
SYSTEMS AND METHODS FOR UV-C INACTIVATED VIRUS VACCINES AND UV-C SANITIZATION
An UV-C device may include several UV-C light sources (e.g., UV-C LEDs) and such UV-C LEDs may have UV-C reflecting structures arranged to direct UV-C in a particular direction and at a particular size and shape. Doing so may, for example, increase the UV-C in a particular direction or working area. A UV-C generating device may be utilized in an air duct to sterilize air through that air duct. A UV-C generating device may, for example, be utilized to increase the amount of UV-C that enters a UV-C fiber optic tube. A UV-C generating device may be utilized, for example, to inactivate one or more virus (e.g., one or more different viruses and/or one or more claves of the same virus) and a UV-C inactivated virus may be utilized as a vaccination. A facility may be provided that received strains from the same clave and/or different claves and that UV sterilizes (e.g., UV-C sterilizes) the strains and combines the strains into a combinational UV-C vaccination of multiple UV-C inactivated strains.
An UV-C device may include several UV-C light sources (e.g., UV-C LEDs) and such UV-C LEDs may have UV-C reflecting structures arranged to direct UV-C in a particular direction and at a particular size and shape. Doing so may, for example, increase the UV-C in a particular direction or working area. A UV-C generating device may be utilized in an air stream, such as an air duct, to sterilize air from that air stream. Sound suppression compartments may be placed around a UV-C generating device inlet and/or a device outlet to reduce sound from the UV-C generating device. Human perceivable (e.g., audible, tactile, and/or visual) notifications may be utilized to provide notification of different modes of operation and/or different efficacy levels (e.g., percent ranges of inactivation of a particular or multiple particular viruses, bacteria, spores, etc.
F24F 8/22 - Treatment, e.g. purification, of air supplied to human living or working spaces otherwise than by heating, cooling, humidifying or drying by sterilisation using UV light
47.
SYSTEMS AND METHODS FOR INCREASING WORK AREA AND PERFORMANCE OF UV-C GENERATORS
A UV-C generator is provided where multiple UV-C LEDs are provided around a work area (e.g., a surface) in order to sterilize contaminants in that work area (e.g., virus and/or bacteria). The sterilization device can be utilized, for example, in a wand, broom, set distance surface sterilizer, hand sanitizer, foot sanitizer, conveyer sanitizer, or any other sanitizer. Mating structures may be included to mate multiple devices to extend work area that may be impacted. The devices may be portable and may include one or more rechargeable batteries.
An air sanitization device is provided where a UV-C generator applied UV-C to infected air for sterilization and then the sterilized air is used to cool heat sinks attached to the UV-C. One or more fans can be utilized to push and/or pull air through the device. For example, the fans may create airflow in the device above, for example 200 liters per minute or above 400 liters per minute. Accordingly, a closed air system with a fan may push air through a UV-C generation device to sanitize air and the sanitized air may be pushed over a heat sink attached to the UV-C generation device and then pushed out of the closed air system into the environment. Thus, sanitized air may be circulated by the fan while being air cooled in a manner that does not circulate contaminated air.
A user is provided with a GUI that may allow the user to change functionality associated with a non-powered card, a powered card or other device (e.g., a mobile telephonic device). The functionality associated with the device may be displayed by the GUI as a list of third-party applications that may be executed when the user's card or other device is used to complete a purchase transaction. The GUI allows the user to purchase/redeem goods and/or services from a third-party vendor after the purchase transaction is completed or may allow the goods and/or services to be purchased/redeemed without first requiring a purchase transaction. A fulfillment system hosted by a remote facility administers the goods/services delivery by tracking user information, mailing information, and delivery status tracking information.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
50.
Exchange coupled amorphous ribbons for electronic stripes
Dynamic magnetic stripe communications devices may include a coil. An exchange coupled amorphous material may be inside the coil, for example, in the form of a ribbon. The exchange coupled amorphous material may include magnetically hard crystallites embedded in a soft magnetic amorphous matrix and/or at least one crystalline surface layer. A device may include a dynamic magnetic stripe communications device including one or more exchange coupled amorphous ribbons. The device may include more than one exchange coupled amorphous ribbon. Amorphous ribbons and/or layers of amorphous ribbons may be stacked (e.g., in alignment to one another) and/or offset at different heights. The ribbons may be in a single domain state without an external magnetic field, for example, an external magnetic field from a permanent magnet. The device may not include a permanent magnet.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
51.
Dynamic magnetic stripe communications device with stepped magnetic material for magnetic cards and devices
A flexible card may include a dynamic magnetic stripe communications device having multiple layers, such as an electromagnetic generator, a magnet, and a shield. A shield may form a non-flexible layer within the stack and may bend, but the shield may not be able to stretch or compress. Flexible layers may surround and adhere to the shield such that when the card is flexed, the flexible layers may stretch and compress with the movement of the shield. The dynamic magnetic stripe communications device may include one or more coils. Each coil may contain a stepped material, such that a length of a lower layer of the stepped material is longer than a length of a middle layer of the stepped material which is longer than a length of a top layer of the stepped material.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
52.
Advanced loyalty applications for powered cards and devices
Advanced loyalty applications are provided to improve the functionality of cards and devices. For example, a user interface may be placed on a card (e.g., a physical button) or a telephonic device (e.g., a virtual button on a capacitive touch screen). Manual input provided to this user interface may, for example, cause a non-merchant product (e.g., insurance) to be purchased with a merchant purchase. The product can be paid for with debit, credit, gift card balance, or points. A code indicative of a user's desire to purchase the product may be communicated to a payment card reader (e.g., to a magnetic stripe reader via a magnetic stripe communications device). A display may be provided next to a button to allow a user to scroll, or toggle by pressing the button repeatedly, through different products (which may be merchant or non-merchant products).
G06K 5/00 - Methods or arrangements for verifying the correctness of markings on a record carrierColumn-detection devices
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
53.
Systems and methods for advanced communication mechanisms for magnetic cards and devices
A card may detect variations (e.g., position, velocity, acceleration and direction) of a read head in relation to the card. Based on certain parameters (e.g., card length, initially detected read head position, and read head velocity) the card may change communicated bit parameters (e.g., bit period) so that a total number of data bits may be communicated by the card to the read head while the read head remains within a communication distance of the card.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
A wallet card or other device includes three buttons, a PCB antenna for connection to all cellular bands including low band, mid band and high band, dual pressure sensors operable to determine velocity and/or as an independent trigger, a cellular chip whose encryption/decryption key between a payment network and the cellular chip is dynamically changeable for security, and a dynamic magnetic communications device operable to communicate data using a magnetic data waveform with amplitude adjusted by the device.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
A card with power management circuitry is provided. A card may have circuitry contained therein (e.g., a processor) that may have a maximum operating voltage. The card may include a power source (e.g., a battery) that provides power ranging in voltage from a maximum power source voltage to a minimum power source voltage. The maximum power source voltage is greater than the maximum operating voltage. Power management circuitry is provided to manage the power received from the power source such that the voltage provided to the circuitry (e.g., processor) does not exceed the maximum operating voltage.
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06F 1/3203 - Power management, i.e. event-based initiation of a power-saving mode
56.
Systems and methods for sensor mechanisms for magnetic cards and devices
A card exhibiting multiple linear arrays of sensors are provided to detect a presence and movement of an external object (e.g., a read-head of a magnetic stripe reader). Each sensor of each array of sensors may be independently connected to a dual port of a processor so that the processor may determine a direction in which the card is swiped through a magnetic stripe reader. A portion of sensors of each array of sensors may be shared by a portion of inputs and/or outputs of a single port of a processor. Sensors may be cross-coupled to a single processor port so that forward and reverse directions of a card swipe may nevertheless be detected by a single-port processor of a card.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
57.
Dynamic magnetic stripe communications device with beveled magnetic material for magnetic cards and devices
A flexible card may include a dynamic magnetic stripe communications device having multiple layers, such as an electromagnetic generator, a magnet, and a shield. A shield may form a non-flexible layer within the stack and may bend, but the shield may not be able to stretch or compress. Flexible layers may surround and adhere to the shield such that when the card is flexed, the flexible layers may stretch and compress with the movement of the shield. The dynamic magnetic stripe communications device may include one or more coils. Each coil may contain a material that may be beveled, such that a width at an end portion of the material may be smaller than a width at a middle portion of the material.
G06K 19/00 - Record carriers for use with machines and with at least a part designed to carry digital markings
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
58.
SUPER SMART SECURE PAYMENT APPLETS WITH PRE-STORED MESSAGES AND LOGIC AND ABILITY TO CHANGE SUBSEQUENT FUNCTION THEREON
A card exhibiting enhanced detection is provided. A plurality of detector shapes that may be associated with a detection system increases detection effectiveness, while reducing adverse effects of detection systems that may be operating within a electromagnetic field environment.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
60.
Cards, devices, systems, methods and dynamic security codes
A dynamic code may be validated by comparing the dynamic code to a verification code. The card may generate the dynamic code using a random object and a function. The random object may be generated using a random object generator. The function may be determinable using a function determination object and a look-up-table (LUT), the function determination object associable to exponents and operators, listed in the LUT, that may be combined with base variables to determine the function. The dynamic code may be determined by substituting portions of the random object for the base variables in the function. The card may communicate the dynamic code, the random object and an identifier to a remote processing facility. The remote processing facility may use the identifier to determine the function, use the random object to determine a verification code and compare the verification code to the dynamic code.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
61.
Cards and devices with magnetic emulators with zoning control and advanced interiors
A payment card (e.g., credit and/or debit card) is provided with a magnetic emulator operable to act as a magnetic stripe read-head detector and a data transmitter. A multiple layer flexible PCB may be fabricated to include multiple magnetic emulators. An emulator may include a coil that includes magnetic, ferromagnetic, or ferromagnetic, material in the coil's interior. Coils may be associated with zones. As a read-head is detected to move from zone-to-zone, coils may be activated to transmit information in those zones.
G06K 19/08 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 30/02 - MarketingPrice estimation or determinationFundraising
G06Q 30/06 - Buying, selling or leasing transactions
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
G07F 7/10 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card together with a coded signal
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory
G06K 7/00 - Methods or arrangements for sensing record carriers
G06F 3/0488 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
62.
Dynamic magnetic stripe communications device with stepped magnetic material for magnetic cards and devices
A flexible card may include a dynamic magnetic stripe communications device having multiple layers, such as an electromagnetic generator, a magnet, and a shield. A shield may form a non-flexible layer within the stack and may bend, but the shield may not be able to stretch or compress. Flexible layers may surround and adhere to the shield such that when the card is flexed, the flexible layers may stretch and compress with the movement of the shield. The dynamic magnetic stripe communications device may include one or more coils. Each coil may contain a stepped material, such that a length of a lower layer of the stepped material is longer than a length of a middle layer of the stepped material, which is longer than a length of a top layer of the stepped material.
G06K 21/00 - Information retrieval from punched cards designed for manual use or handling by machine Apparatus for handling such cards, e.g. marking or correcting
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
63.
Cards and devices with multifunction magnetic emulators and methods for using the same
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).
G06K 7/00 - Methods or arrangements for sensing record carriers
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
G06K 19/08 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06F 3/0488 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures
G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G07F 7/10 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card together with a coded signal
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
G06Q 30/06 - Buying, selling or leasing transactions
G06Q 30/02 - MarketingPrice estimation or determinationFundraising
An automated conveyor system extends a continuous layer of plastic onto a moving conveyor. A pair of damming strips may be applied to the continuous layer of plastic as the conveyor advances. A liquid material may be sprayed between the damming strips and electronic assemblies may be robotically picked and placed onto the continuous layer of plastic between the damming strips and on top of the liquid material. Additional liquid material may be sprayed on top of the electronic assemblies as the conveyor moves. A continuous top plastic layer may be extended on top of the electronic assemblies, while a roller compresses the electronic assemblies between the top plastic layer and bottom plastic layer. A transparent clamp holds a portion of the compressed sub-assembly in place while the sub-assembly is cured. A sheering station sheers the sub-assembly as the conveyor indexes.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
H05K 13/00 - Apparatus or processes specially adapted for manufacturing or adjusting assemblages of electric components
Advanced payment applications are provided to improve the functionality of cards and devices. For example, a user interface may be placed on a card (e.g., a physical button) or a telephonic device (e.g., a virtual button on a capacitive touch screen). Manual input provided to this user interface may, for example, cause an item purchased on credit to be paid via one or more user accounts (e.g., bank accounts) as soon as the next credit statement posts or becomes due. A user may decide to pay for an item when the next statement becomes due at a point-of-sale magnetic stripe reader by using an interface on a card to cause information to be communicated through the infrastructure indicative of a user's desire to pay the for an item when the next statement becomes due.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
Laminated cards with user interfaces are provided. The user interfaces can have enhanced tactile feel. In one embodiment, a card may be constructed to have a dual-layer user interface. In another embodiment, a card may be constructed to include a support structure. In yet another embodiment, a card may include a relatively soft material that covers at least a portion of the user interface. In yet another embodiment, a card may include a user interface that is fluidically coupled to a bladder. In a further embodiment, a card can include any combination of a user interface, which may be a dual-layer user interface, a support structure, a soft material that at least partially covers a user interface, and a bladder.
G06K 19/02 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the selection of materials, e.g. to avoid wear during transport through the machine
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
A card, such as a payment card, or other device may include an electronics package. The electronics package may include electronic components mounted on a flexible, printed circuit board. The electronics package may be laminated (e.g., via a hot, cold, or molding lamination process) between layers of transparent polymer. A hologram may be fixed to one side of the electronics package such that the hologram may be viewed from the exterior of the laminated card having transparent polymer layers. As such, the hologram may not be removed without breaching the integrity of a transparent polymer layer.
G06K 1/00 - Methods or arrangements for marking the record carrier in digital fashion
G06K 19/16 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means at least one kind of marking being used for authentication, e.g. of credit or identity cards the marking being sensed by radiation the marking being a hologram or diffraction grating
G06K 19/04 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the shape
Programming fixtures are provided that program devices, such as payment cards, with data, such as personal data, using light transmitters and receivers for powered cards, or using magnetic write heads for non-powered cards. A processor within the powered card computes a magnetic stripe message and associated longitudinal redundancy check (LRC) value based upon the personal data. The processor compares the LRC value against a list of LRC exceptions and changes the magnetic stripe message to change the LRC value based upon a positive comparison. A programming fixture may compute the magnetic stripe message and may change the magnetic stripe message before writing the magnetic stripe message to a static magnetic stripe upon a detection that the associated LRC value matches an LRC exception.
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory
69.
Exchange coupled amorphous ribbons for electronic stripes
Dynamic magnetic stripe communications devices may include a coil. An exchange coupled amorphous material may be inside the coil, for example, in the form of a ribbon. The exchange coupled amorphous material may include magnetically hard crystallites embedded in a soft magnetic amorphous matrix and/or at least one crystalline surface layer. A device may include a dynamic magnetic stripe communications device including one or more exchange coupled amorphous ribbons. The device may include more than one exchange coupled amorphous ribbon. Amorphous ribbons and/or layers of amorphous ribbons may be stacked (e.g., in alignment to one another) and/or offset at different heights. The ribbons may be in a single domain state without an external magnetic field, for example, an external magnetic field from a permanent magnet. The device may not include a permanent magnet.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
A card, such as a payment card, or other device may include an electronics package. The electronics package may include an RFID antenna. The RFID may not be utilized to access data on the card, or other device, until the appropriate manual input is received into the card or other device. Such manual input may take the form of a manual press of a physical button or the manual activation of a virtual button on a touch-screen device (e.g., a touch-screen mobile phone or card).
G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
71.
Payment cards and devices with displays, chips, RFIDs, magnetic emulators, magnetic encoders, and other components
A payment card (e.g., credit and/or debit card) or other card or device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. User interfaces are provided in a number of different configurations in order to achieve a number of different functionalities.
G06K 5/00 - Methods or arrangements for verifying the correctness of markings on a record carrierColumn-detection devices
G06K 19/08 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means
Dynamic magnetic stripe communications devices are provided as magnetic stripe emulators on a card or device having one or more communication channels. An application specific integrated circuit (ASIC) may include one or more waveform generators that include spike suppression circuitry to reduce excessive signal excursions during power-up and/or activation of the one or more communication channels on the card or device. Data to be communicated by the magnetic stripe emulator may be encoded within the one or more waveforms and communicated to a magnetic stripe reader.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory
74.
Systems and methods for advanced detection mechanisms for magnetic cards and devices
A detection activity of a card may be sensitive to capacitance changes in adjacent and non-adjacent pads on the card. Accordingly, the detection activity may remain sensitive to faster-moving devices and/or reduced detection sampling rates. A second detection activity may follow a first detection activity, which may increase a probability of a successful communication sequence subsequent to the first detection activity. A card may, therefore, immediately transition to a low-power mode of operation after verification to reduce power consumption.
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
G06K 7/00 - Methods or arrangements for sensing record carriers
75.
Systems and methods for alignment techniques for magnetic cards and devices
Cards may be populated with components and alignment cues. A fully populated card may then be laminated using either of a clear (e.g., transparent) laminate or an obscure (e.g., opaque) laminate. Visual and/or non-visual alignment cues within a card may be utilized to align a trimming and/or singulation device to the card. The card may be singulated and/or trimmed with the aligned singulation and/or trimming device to position one or more components of the card.
B26D 5/00 - Arrangements for operating and controlling machines or devices for cutting, cutting-out, stamping-out, punching, perforating, or severing by means other than cutting
B26D 5/34 - Arrangements for operating and controlling machines or devices for cutting, cutting-out, stamping-out, punching, perforating, or severing by means other than cutting with interrelated action between the cutting member and work feed having the cutting member controlled by scanning a record carrier scanning being effected by a photosensitive device
B29C 65/74 - Joining of preformed partsApparatus therefor by welding and severing
B26D 5/32 - Arrangements for operating and controlling machines or devices for cutting, cutting-out, stamping-out, punching, perforating, or severing by means other than cutting with interrelated action between the cutting member and work feed having the cutting member controlled by scanning a record carrier with the record carrier formed by the work itself
B26D 5/30 - Arrangements for operating and controlling machines or devices for cutting, cutting-out, stamping-out, punching, perforating, or severing by means other than cutting with interrelated action between the cutting member and work feed having the cutting member controlled by scanning a record carrier
B32B 41/00 - Arrangements for controlling or monitoring lamination processesSafety arrangements
B29C 65/00 - Joining of preformed partsApparatus therefor
B26D 5/36 - Arrangements for operating and controlling machines or devices for cutting, cutting-out, stamping-out, punching, perforating, or severing by means other than cutting with interrelated action between the cutting member and work feed having the cutting member controlled by scanning a record carrier scanning being effected by magnetic means
B32B 38/00 - Ancillary operations in connection with laminating processes
76.
Advanced loyalty applications for powered cards and devices
Advanced loyalty applications are provided to improve the functionality of cards and devices. For example, a user interface may be placed on a card (e.g., a physical button) or a telephonic device (e.g., a virtual button on a capacitive touch screen). Manual input provided to this user interface may, for example, cause a non-merchant product (e.g., insurance) to be purchased with a merchant purchase. The product can be paid for with debit, credit, gift card balance, or points. A code indicative of a user's desire to purchase the product may be communicated to a payment card reader (e.g., to a magnetic stripe reader via a magnetic stripe communications device). A display may be provided next to a button to allow a user to scroll, or toggle by pressing the button repeatedly, through different products (which may be merchant or non-merchant products).
G06K 5/00 - Methods or arrangements for verifying the correctness of markings on a record carrierColumn-detection devices
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
Laminated cards with user interfaces are provided. The user interfaces can have enhanced tactile feel. In one embodiment, a card may be constructed to have a dual-layer user interface. In another embodiment, a card may be constructed to include a support structure. In yet another embodiment, a card may include a relatively soft material that covers at least a portion of the user interface. In yet another embodiment, a card may include a user interface that is fluidically coupled to a bladder. In a further embodiment, a card can include any combination of a user interface, which may be a dual-layer user interface, a support structure, a soft material that at least partially covers a user interface, and a bladder.
A card, or other device (e.g., a mobile telephonic device), may provide transaction, feature information, and/or any other type of information to a merchant terminal based upon check-in options that may be selected by the user on the card. A routing server may receive transaction information, feature information, merchant related information, cardholder information and/or any other type of information and provide the information to networked entities. The networked entities (e.g., websites, social networks, and search engines) may access the information to track the purchasing habits of one or more cardholders.
A card exhibiting multiple linear arrays of sensors are provided to detect a presence and movement of an external object (e.g., a read-head of a magnetic stripe reader). Each sensor of each array of sensors may be independently connected to a dual port of a processor so that the processor may determine a direction in which the card is swiped through a magnetic stripe reader. A portion of sensors of each array of sensors may be shared by a portion of inputs and/or outputs of a single port of a processor. Sensors may be cross-coupled to a single processor port so that forward and reverse directions of a card swipe may nevertheless be detected by a single-port processor of a card.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
80.
Advanced loyalty applications for powered cards and devices
Advanced loyalty applications are provided to improve the functionality of cards and devices. For example, a user interface may be placed on a card (e.g., a physical button) or a telephonic device (e.g., a virtual button on a capacitive touch screen). Manual input provided to this user interface may, for example, cause a non-merchant product (e.g., insurance) to be purchased with a merchant purchase. The product can be paid for with debit, credit, gift card balance, or points. A code indicative of a user's desire to purchase the product may be communicated to a payment card reader (e.g., to a magnetic stripe reader via a magnetic stripe communications device). A display may be provided next to a button to allow a user to scroll, or toggle by pressing the button repeatedly, through different products (which may be merchant or non-merchant products).
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
81.
Systems and methods for advanced communication mechanisms for magnetic cards and devices
A card may detect variations (e.g., position, velocity, acceleration and direction) of a read head in relation to the card. Based on certain parameters (e.g., card length, initially detected read head position, and read head velocity) the card may change communicated bit parameters (e.g., bit period) so that a total number of data bits may be communicated by the card to the read head while the read head remains within a communication distance of the card.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
82.
CARDS, DEVICES, SYSTEMS, METHODS AND DYNAMIC SECURITY CODES
A dynamic security code may be communicated to a verification entity by a payment device during a transaction. The verification entity may determine the validity of the dynamic security code. The determination may include comparing the dynamic security code to an expected value. In a case where the expected value is not received the dynamic security code may be compared to a valid dynamic code range. The range may include codes that immediately precede and succeed the expected code in order of expected receipt. A number of preceding codes may be different than a number of succeeding codes in the valid dynamic code range based on factors. A width of the valid dynamic code range may vary based on the factors. The factors may be based on, for example, transactional data, a transaction history, a transaction risk level, a trust relationship and/or a type of the transaction.
A payment card (e.g., credit and/or debit card) or other card or device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. User interfaces are provided in a number of different configurations in order to achieve a number of different functionalities.
G06K 5/00 - Methods or arrangements for verifying the correctness of markings on a record carrierColumn-detection devices
G06K 19/08 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 30/02 - MarketingPrice estimation or determinationFundraising
G06Q 30/06 - Buying, selling or leasing transactions
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
G07F 7/10 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card together with a coded signal
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory
G06K 7/00 - Methods or arrangements for sensing record carriers
G06F 3/0488 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
84.
Cards and devices with magnetic emulators with zoning control and advanced interiors
A payment card (e.g., credit and/or debit card) is provided with a magnetic emulator operable to act as a magnetic stripe read-head detector and a data transmitter. A multiple layer flexible PCB may be fabricated to include multiple magnetic emulators. An emulator may include a coil that includes magnetic, ferromagnetic, or ferromagnetic, material in the coil's interior. Coils may be associated with zones. As a read-head is detected to move from zone-to-zone, coils may be activated to transmit information in those zones.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/08 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 30/02 - MarketingPrice estimation or determinationFundraising
G06Q 30/06 - Buying, selling or leasing transactions
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
G07F 7/10 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card together with a coded signal
G06T 7/62 - Analysis of geometric attributes of area, perimeter, diameter or volume
A61B 5/02 - Detecting, measuring or recording for evaluating the cardiovascular system, e.g. pulse, heart rate, blood pressure or blood flow
G06V 10/24 - Aligning, centring, orientation detection or correction of the image
G06V 10/25 - Determination of region of interest [ROI] or a volume of interest [VOI]
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory
G06K 7/00 - Methods or arrangements for sensing record carriers
G06F 3/0488 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
One or more detection activities of a card may allow calculation of rolling speed in motorized readers. Accordingly, the detection activity may result in a data transmission speed with greater accuracy after a determination of position, velocity and/or acceleration of the faster-moving device in relation to the card. Such detection activities may increase a probability of a successful communication sequence.
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
86.
Cards, devices, systems, and methods for advanced payment game of skill and game of chance functionality
A user is provided with a GUI that may allow the user to change functionality associated with a non-battery-powered card, a battery-powered card, a payment sticker, or another device (e.g., a mobile telephonic device). The GUI may be provided by a website so that a user views the GUI from a web-browser. At any time, for example, a user may change additional functionality performed at a point-of-sale purchase. A user may change the additional functionality for a card or a button of a card. A user may switch to associate a game of chance or skill to the purchase.
A card, such as a payment card, or other device may include an electronics package. The electronics package may include electronic components mounted on a flexible, printed circuit board. The electronics package may be laminated (e.g., via a hot, cold, or molding lamination process) between layers of transparent polymer. A hologram may be fixed to one side of the electronics package such that the hologram may be viewed from the exterior of the laminated card having transparent polymer layers. As such, the hologram may not be removed without breaching the integrity of a transparent polymer layer.
G06K 19/04 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the shape
G06K 19/16 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means at least one kind of marking being used for authentication, e.g. of credit or identity cards the marking being sensed by radiation the marking being a hologram or diffraction grating
An automated conveyor system extends a continuous layer of plastic onto a moving conveyor. A pair of damming strips may be applied to the continuous layer of plastic as the conveyor advances. A liquid material may be sprayed between the damming strips and electronic assemblies may be robotically picked and placed onto the continuous layer of plastic between the damming strips and on top of the liquid material. Additional liquid material may be sprayed on top of the electronic assemblies as the conveyor moves. A continuous top plastic layer may be extended on top of the electronic assemblies, while a roller compresses the electronic assemblies between the top plastic layer and bottom plastic layer. A transparent clamp holds a portion of the compressed sub-assembly in place while the sub-assembly is cured. A sheering station sheers the sub-assembly as the conveyor indexes.
B32B 37/00 - Methods or apparatus for laminating, e.g. by curing or by ultrasonic bonding
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
H05K 13/00 - Apparatus or processes specially adapted for manufacturing or adjusting assemblages of electric components
B32B 37/10 - Methods or apparatus for laminating, e.g. by curing or by ultrasonic bonding characterised by the pressing technique, e.g. using direct action of vacuum or fluid pressure
B32B 37/22 - Methods or apparatus for laminating, e.g. by curing or by ultrasonic bonding characterised by the properties of the layers with all layers existing as coherent layers before laminating involving the assembly of both discrete and continuous layers
A flexible card may include a dynamic magnetic stripe communications device having multiple layers, such as an electromagnetic generator, a magnet, and a shield. A shield may form a non-flexible layer within the stack and may bend, but the shield may not be able to stretch or compress. Flexible layers may surround and adhere to the shield such that when the card is flexed, the flexible layers may stretch and compress with the movement of the shield. The dynamic magnetic stripe communications device may include one or more coils. Each coil may contain a material that may be beveled, such that a width at an end portion of the material may be smaller than a width at a middle portion of the material.
G06K 19/00 - Record carriers for use with machines and with at least a part designed to carry digital markings
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
93.
Games, prizes, and entertainment for powered cards and devices
Advanced payment applications are provided to improve the functionality of cards and devices. For example, a user interface may be placed on a card (e.g., a physical button) or a telephonic device (e.g., a virtual button on a capacitive touch screen). Manual input provided to this user interface may, for example, cause a purchase to be paid by credit and points may be earned for the purchase. A different manual input may, for example, cause a purchase to be paid by credit and points not be earned for the purchase in exchange for one or more chances to win a prize in a random lottery. An instant winner functionality may be provided on a card. For example, a card may randomly become an instant winner based on, for example, time and/or use.
G06K 19/00 - Record carriers for use with machines and with at least a part designed to carry digital markings
G06F 17/00 - Digital computing or data processing equipment or methods, specially adapted for specific functions
G07F 17/32 - Coin-freed apparatus for hiring articlesCoin-freed facilities or services for games, toys, sports, or amusements
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
Cards may be provided with locked modes of operation. A card may, for example, monitor a particular sequence of one or more manual inputs while the card transitions from a low-power mode of operation to a locked mode of operation. The card may store the particular sequence of the one or more manual inputs as a locking code. The card may ignore subsequent manual inputs during the locked mode of operation until the locking code is reentered into the card. Once the locking code is reentered into the card, the card may again become reactive to manual inputs received by the card.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06F 17/00 - Digital computing or data processing equipment or methods, specially adapted for specific functions
G06K 7/00 - Methods or arrangements for sensing record carriers
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
95.
Dynamic magnetic stripe communications device with stepped magnetic material for magnetic cards and devices
A flexible card may include a dynamic magnetic stripe communications device having multiple layers, such as an electromagnetic generator, a magnet, and a shield. A shield may form a non-flexible layer within the stack and may bend, but the shield may not be able to stretch or compress. Flexible layers may surround and adhere to the shield such that when the card is flexed, the flexible layers may stretch and compress with the movement of the shield. The dynamic magnetic stripe communications device may include one or more coils. Each coil may contain a stepped material, such that a length of a lower layer of the stepped material is longer than a length of a middle layer of the stepped material which is longer than a length of a top layer of the stepped material.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
A processor of a card may detect variations (e.g., position, velocity, acceleration and direction) of a read head in relation to the card. Based on certain parameters (e.g., card length, initially detected read head position, and read head velocity) a processor of a card may adjust synchronization bit patterns that may synchronize communications between the card and a read head of a magnetic stripe reader. A processor of a card may generate a number of leading synchronization bits that is different than a number of trailing synchronization bits.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
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).
G06K 19/00 - Record carriers for use with machines and with at least a part designed to carry digital markings
G06K 19/08 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 30/02 - MarketingPrice estimation or determinationFundraising
G06Q 30/06 - Buying, selling or leasing transactions
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
G07F 7/10 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card together with a coded signal
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory
G06K 7/00 - Methods or arrangements for sensing record carriers
G06F 3/0488 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
99.
Cards and devices with multifunction magnetic emulators and methods for using same
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).
G06K 7/00 - Methods or arrangements for sensing record carriers
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
G06K 19/08 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 30/02 - MarketingPrice estimation or determinationFundraising
G06Q 30/06 - Buying, selling or leasing transactions
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
G07F 7/10 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card together with a coded signal
G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory
G06F 3/0488 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
100.
Cards and devices with multifunction magnetic emulators and methods for using same
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).
G06K 19/08 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 30/02 - MarketingPrice estimation or determinationFundraising
G06Q 30/06 - Buying, selling or leasing transactions
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
G07F 7/10 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card together with a coded signal
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory
G06K 7/00 - Methods or arrangements for sensing record carriers
G06F 3/0488 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
