Three-legacy mode payment card with parametric authentication and data input elements

Abstract

A payment card comprises a plastic card and operates with three different legacy payment systems. A magnetic stripe with user account data allows card use in traditional point-of-sale magnetic card readers. A dual-input crypto-processor embedded in the card provides for contact/contactless smart card operation. A user input provides for user authentication by the crypto-processor. Internal to the plastic card, and behind the magnetic stripe, a magnetic array includes a number of fixed-position magnetic write heads that allow the user account data to be automatically modified by the crypto-processor.

1 . A three-mode payment card configured in a standardized credit card format equivalent to ISO/IEC-7810, and having:
 a plastic card body in which all the other elements are disposed;   a contact interface with surface contacts and providing for communication of encoded bank and user information with a contact-type smartcard reader in a first mode;   a wireless interface with an antenna and providing for contactless communication of encoded bank and user information with a contactless-type smartcard reader in a second mode;   a dual-input crypto-processor for supporting contact-type smart card communication equivalent to ISO/IEC-7816 through the contact interface, and for also supporting contactless-type smart card communication equivalent to ISO/IEC-14443 through the wireless interface;   and characterized by:   a magnetic stripe with a magnetic array interfaced to the dual-input crypto-processor, and that provide for magnetic presentations in parallel that mimic a conventional legacy magnetic stripe encoded with bank and user information to a magnetic card reader in a third mode;   a magnetic recording serially accessible to a longitudinally moving read head on a front side of the magnetic stripe that includes at least one dynamic data bit controlled by said magnetic array;   a data generator and a data receptor for receiving an initial programming of personalization data from a card issuer, bank agency or manufacturer, and for outputting through the magnetic array a number of programmable data bits that are combined in a string with a number of permanent data bits;   a programmable interface controller (PIC) interfaced to the dual-input crypto-processor through the contact interface;   an input device for accepting information solicited from a user and providing it to the PIC; and   an electronic display connected to present text messages from the PIC to said user.   
   
   
       2 . The payment card of  claim 1 , further comprising:
 a component providing for user authentication based in-part on said information entered through the input device;   
   
   
       3 . The payment card of  claim 1 , wherein:
 the input device includes a biometric sensor for collecting physical characteristics of a user that are thereafter useful by the PIC in an authentication of said user.   
   
   
       4 . The payment card of  claim 1 , wherein:
 the input device includes a biometric sensor for collecting at least one of a fingerprint or signature of a user that are thereafter useful by the PIC in an authentication of said user.   
   
   
       5 . The payment card of  claim 1 , further comprising:
 an algorithm with data unique to said user and embedded in the dual-input crypto-processor, wherein a new unique transaction encoding is transmittable through the wireless, contact, and magnetic interfaces that permits a transaction infrastructure and server to derive a unique user data that is useful in validating and approving point-of-sale financial transactions involving the payment card.   
   
   
       6 . The payment card of  claim 1 , wherein:
 the PIC does not store more than one digit of a user password at a time, and sends each digit as it is received on to the contact interface and the dual-input crypto-processor for verification.   
   
   
       7 . The payment card of  claim 6 , wherein:
 the PIC does not store a whole user password at any time.   
   
   
       8 . The payment card of  claim 1 , wherein:
 a portion of a complete financial account number of the user is encoded with said permanent data bits.   
   
   
       9 . The payment card of  claim 1 , wherein:
 the data generator provides for a subsequent obfuscation of a financial account number being presented in whole by rewriting said at least one dynamic data bit controlled by said magnetic array.   
   
   
       10 . The payment card of  claim 1 , further comprising:
 a predictive algorithm that includes personal information about the user in some of its factors, and that generates a unique number that is not sequential and cannot be predicted without knowing the algorithm and the seed value, and wherein a payment processing center will not authorize transaction requests that come out of sequence.   
   
   
       11 . The payment card of  claim 10 , further comprising:
 detectors connected to signal the PIC when a reading of bank and user information in the magnetic recording has occurred.   
   
   
       12 . The payment card of  claim 1 , further comprising:
 an on-board electrical generator connected to power the payment card as needed.   
   
   
       13 . The payment card of  claim 1 , further comprising:
 a piezoelectric generator connected to charge a battery that powers the payment card as needed.   
   
   
       14 . A three-mode payment card having:
 means for providing communication of encoded bank and user information with a contact-type smartcard reader in a first mode;   means for providing communication of encoded bank and user information with a contactless-type smartcard reader in a second mode;   and characterized by:   means for providing magnetic presentations in parallel that mimic a conventional legacy magnetic stripe encoded with bank and user information to a magnetic card reader in a third mode;   means for providing a magnetic recording serially accessible to a longitudinally moving read head on a front side of the magnetic stripe that includes at least one dynamic data bit controlled by said magnetic array;   means for receiving an initial programming of personalization data from a card issuer, bank agency or manufacturer, and for outputting a number of programmable data bits that are combined in a string with a number of permanent data bits;   means for accepting information solicited from a user; and   means for presenting text messages from to said user.   
   
   
       15 . A payment card configured in a standardized credit card format equivalent to ISO/IEC-7810, and having:
 a plastic card body in which all the other elements are disposed;   at least one of a contact interface with contact-type smart card communication equivalent to ISO/IEC-7816, and a wireless interface with an antenna providing for contactless-type smart card communication equivalent to ISO/IEC-14443;   a crypto-processor for supporting smartcard communication through either of said contact and wireless interfaces;   and characterized by:   a data generator and a data receptor for receiving an initial programming of personalization data from a card issuer, bank agency or manufacturer, and for encoding bank and user information for output by either of said contact and wireless interfaces with sequenced portions that can be expected by the card issuer;   a programmable interface controller (PIC) interfaced to the crypto-processor; and   an electronic display connected to present text messages from the PIC and the crypto-processor to said user.   
   
   
       16 . The payment card of  claim 15 , further comprising:
 a device for automatically incrementing a value in a sequence that can be forwarded in an approval request message to a validation processing center, wherein changing values used in transactions must belong to an expected sequence in order to be valid.   
   
   
       17 . The payment card of  claim 15 , further comprising:
 a magnetic stripe with a magnetic array interfaced to the crypto-processor, and that provide for magnetic presentations in parallel that mimic a conventional legacy magnetic stripe encoded with bank and user information to a magnetic card reader in a third mode; and   a magnetic recording serially accessible to a longitudinally moving read head on a front side of the magnetic stripe that includes at least one dynamic data bit controlled by said magnetic array;   wherein, the data generator and data receptor further provide for outputting through the magnetic array a number of programmable data bits that are combined in a string with a permanent data bits.