WO2001088659A3 - Electronic cards capable of being read by a magnetic stripe reader and methods for their use - Google Patents

Electronic cards capable of being read by a magnetic stripe reader and methods for their use Download PDF

Info

Publication number
WO2001088659A3
WO2001088659A3 PCT/US2001/015612 US0115612W WO0188659A3 WO 2001088659 A3 WO2001088659 A3 WO 2001088659A3 US 0115612 W US0115612 W US 0115612W WO 0188659 A3 WO0188659 A3 WO 0188659A3
Authority
WO
WIPO (PCT)
Prior art keywords
card
magnetic stripe
data packet
read
stripe reader
Prior art date
Application number
PCT/US2001/015612
Other languages
French (fr)
Other versions
WO2001088659A2 (en
WO2001088659A9 (en
Inventor
Jacob Y Wong
Roy L Anderson
William R Bryant Jr
Joan M Ziegler
Original Assignee
Privasys
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from US09/571,707 external-priority patent/US6592044B1/en
Priority claimed from US09/667,039 external-priority patent/US6755341B1/en
Application filed by Privasys filed Critical Privasys
Priority to AU2001261596A priority Critical patent/AU2001261596A1/en
Publication of WO2001088659A2 publication Critical patent/WO2001088659A2/en
Publication of WO2001088659A3 publication Critical patent/WO2001088659A3/en
Publication of WO2001088659A9 publication Critical patent/WO2001088659A9/en

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—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 or other personal identification means
    • G07F7/10—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 or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—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
    • G06K19/06187—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 with magnetically detectable marking
    • G06K19/06196—Constructional details
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G06Q20/3415—Cards acting autonomously as pay-media
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3576—Multiple memory zones on card
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4093—Monitoring of device authentication

Abstract

An electronic card that can function as an anonymous credit card or banking card for use on or off the Internet utilizes a magnetic storage medium 12 affixed to the card that can be read by a standard magnetic stripe reader. An encoder 25 generates a data packet that can be stored in a designated portion of the magnetic storage medium, which can be a magnetic stripe. The data packet can contain a personal coupon and an alias. A computer or microprocessor 16 generates the personal coupon after a Personal Identification Number is input into the card. The data packet can also be used to convey other information, such as a low battery condition. Several different methods of customizing use of the electronic card provide a vast array of options for handling multiple users, bills, accounts, and for characterizing individual transactions of the card.
PCT/US2001/015612 2000-05-15 2001-05-15 Electronic cards capable of being read by a magnetic stripe reader and methods for their use WO2001088659A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2001261596A AU2001261596A1 (en) 2000-05-15 2001-05-15 Electronic cards capable of being read by a magnetic stripe reader and methods for their use

Applications Claiming Priority (14)

Application Number Priority Date Filing Date Title
US09/571,707 2000-05-15
US09/571,707 US6592044B1 (en) 2000-05-15 2000-05-15 Anonymous electronic card for generating personal coupons useful in commercial and security transactions
US61985900A 2000-07-20 2000-07-20
US09/619,859 2000-07-20
US66703800A 2000-09-21 2000-09-21
US66708200A 2000-09-21 2000-09-21
US66708100A 2000-09-21 2000-09-21
US66783500A 2000-09-21 2000-09-21
US09/667,039 2000-09-21
US09/667,038 2000-09-21
US09/667,039 US6755341B1 (en) 2000-05-15 2000-09-21 Method for storing data in payment card transaction
US09/667,835 2000-09-21
US09/667,081 2000-09-21
US09/667,082 2000-09-21

Publications (3)

Publication Number Publication Date
WO2001088659A2 WO2001088659A2 (en) 2001-11-22
WO2001088659A3 true WO2001088659A3 (en) 2002-04-18
WO2001088659A9 WO2001088659A9 (en) 2003-01-03

Family

ID=27569844

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2001/015612 WO2001088659A2 (en) 2000-05-15 2001-05-15 Electronic cards capable of being read by a magnetic stripe reader and methods for their use

Country Status (2)

Country Link
AU (1) AU2001261596A1 (en)
WO (1) WO2001088659A2 (en)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7991158B2 (en) 2006-12-13 2011-08-02 Tyfone, Inc. Secure messaging
US8083145B2 (en) 2005-02-22 2011-12-27 Tyfone, Inc. Provisioning an add-on apparatus with smartcard circuity for enabling transactions
US8231061B2 (en) 2009-02-24 2012-07-31 Tyfone, Inc Contactless device with miniaturized antenna

Families Citing this family (28)

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US6131811A (en) 1998-05-29 2000-10-17 E-Micro Corporation Wallet consolidator
US7660763B1 (en) 1998-11-17 2010-02-09 Jpmorgan Chase Bank, N.A. Customer activated multi-value (CAM) card
US10185936B2 (en) 2000-06-22 2019-01-22 Jpmorgan Chase Bank, N.A. Method and system for processing internet payments
US8849716B1 (en) 2001-04-20 2014-09-30 Jpmorgan Chase Bank, N.A. System and method for preventing identity theft or misuse by restricting access
US7103576B2 (en) 2001-09-21 2006-09-05 First Usa Bank, Na System for providing cardless payment
US7899753B1 (en) 2002-03-25 2011-03-01 Jpmorgan Chase Bank, N.A Systems and methods for time variable financial authentication
US20180165441A1 (en) 2002-03-25 2018-06-14 Glenn Cobourn Everhart Systems and methods for multifactor authentication
US20040210498A1 (en) 2002-03-29 2004-10-21 Bank One, National Association Method and system for performing purchase and other transactions using tokens with multiple chips
KR100476876B1 (en) * 2002-11-08 2005-03-17 박정웅 Card provided with a password input key
US7058660B2 (en) 2002-10-02 2006-06-06 Bank One Corporation System and method for network-based project management
US8583926B1 (en) 2005-09-19 2013-11-12 Jpmorgan Chase Bank, N.A. System and method for anti-phishing authentication
US7966263B2 (en) 2006-05-04 2011-06-21 First Data Corporation Wireless phone RF presentation instrument with sensor control
US9466057B2 (en) 2006-05-04 2016-10-11 First Data Corporation RF presentation instrument with sensor control
US8793490B1 (en) 2006-07-14 2014-07-29 Jpmorgan Chase Bank, N.A. Systems and methods for multifactor authentication
US20080017704A1 (en) * 2006-07-24 2008-01-24 First Data Corporation Contactless Electronic Wallet Payment Device
US7991692B2 (en) 2006-10-09 2011-08-02 First Data Corporation Electronic payment instrument and packaging
US8157178B2 (en) 2007-10-19 2012-04-17 First Data Corporation Manufacturing system to produce contactless devices with switches
US9741027B2 (en) 2007-12-14 2017-08-22 Tyfone, Inc. Memory card based contactless devices
US20090159699A1 (en) * 2007-12-24 2009-06-25 Dynamics Inc. Payment cards and devices operable to receive point-of-sale actions before point-of-sale and forward actions at point-of-sale
US7885878B2 (en) 2008-05-28 2011-02-08 First Data Corporation Systems and methods of payment account activation
US7961101B2 (en) 2008-08-08 2011-06-14 Tyfone, Inc. Small RFID card with integrated inductive element
US8451122B2 (en) 2008-08-08 2013-05-28 Tyfone, Inc. Smartcard performance enhancement circuits and systems
US9608826B2 (en) 2009-06-29 2017-03-28 Jpmorgan Chase Bank, N.A. System and method for partner key management
US9419957B1 (en) 2013-03-15 2016-08-16 Jpmorgan Chase Bank, N.A. Confidence-based authentication
US10148726B1 (en) 2014-01-24 2018-12-04 Jpmorgan Chase Bank, N.A. Initiating operating system commands based on browser cookies
MA41187A (en) 2014-12-19 2021-04-07 Cardlab Aps PROCESS AND ASSEMBLY FOR GENERATING A MAGNETIC FIELD AND PROCESS FOR MANUFACTURING AN ASSEMBLY
EP3035230A1 (en) 2014-12-19 2016-06-22 Cardlab ApS A method and an assembly for generating a magnetic field
EP3082071A1 (en) 2015-04-17 2016-10-19 Cardlab ApS Device for and method of outputting a magnetic field

Citations (3)

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US4918631A (en) * 1984-09-07 1990-04-17 Casio Computer Co., Ltd. Compact type electronic information card
US5884271A (en) * 1994-06-20 1999-03-16 Pitroda; Satyan G. Device, system and methods of conducting paperless transactions
US6163771A (en) * 1997-08-28 2000-12-19 Walker Digital, Llc Method and device for generating a single-use financial account number

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4918631A (en) * 1984-09-07 1990-04-17 Casio Computer Co., Ltd. Compact type electronic information card
US5884271A (en) * 1994-06-20 1999-03-16 Pitroda; Satyan G. Device, system and methods of conducting paperless transactions
US6163771A (en) * 1997-08-28 2000-12-19 Walker Digital, Llc Method and device for generating a single-use financial account number

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8083145B2 (en) 2005-02-22 2011-12-27 Tyfone, Inc. Provisioning an add-on apparatus with smartcard circuity for enabling transactions
US8091786B2 (en) 2005-02-22 2012-01-10 Tyfone, Inc. Add-on card with smartcard circuitry powered by a mobile device
US8474718B2 (en) 2005-02-22 2013-07-02 Tyfone, Inc. Method for provisioning an apparatus connected contactless to a mobile device
US7991158B2 (en) 2006-12-13 2011-08-02 Tyfone, Inc. Secure messaging
US8231061B2 (en) 2009-02-24 2012-07-31 Tyfone, Inc Contactless device with miniaturized antenna

Also Published As

Publication number Publication date
AU2001261596A1 (en) 2001-11-26
WO2001088659A2 (en) 2001-11-22
WO2001088659A9 (en) 2003-01-03

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