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Advanced dynamic credit cardsAdvanced dynamic credit cards description/claimsThe Patent Description & Claims data below is from USPTO Patent Application 20090159709, Advanced dynamic credit cards. Brief Patent Description - Full Patent Description - Patent Application Claims
This application claims the benefit of U.S. Provisional Patent Application Nos. 61/016,491 filed on Dec. 24, 2007 (Docket No. JDM/019 PROV), 61/026,846 filed on Feb. 7, 2008 (Docket No. JDM/019PROV2), 61/027,807 filed on Feb. 11, 2008 (Docket. No. JDM/020 PROV), 61/081,003 filed on Jul. 15, 2008 (Docket No. D/005 PROV), 61/086,239 filed on Aug. 5, 2008 (Docket No. D/006 PROV), 61/090,423 filed on Aug. 20, 2008 (Docket No. D/007 PROV), 61/097,401 filed Sep. 16, 2008 (Docket No. D/008 PROV), 61/112,766 filed on Nov. 9, 2008 (Docket No. D/009 PROV), 61/117,186 filed on Nov. 23, 2008 (D/010 PROV), 61/119,366 filed on Dec. 2, 2008 (Docket No. D/011 PROV), and 61/120,813 filed on Dec. 8, 2008, all of which are hereby incorporated by reference herein in their entirety. This invention relates to payment cards such as credit cards. A card is provided with a dynamic number. For example, a payment card, such as credit card, is provided with a dynamic payment card number, such as a dynamic credit card number. A dynamic credit card number may, for example, change based on time or use. A portion of a dynamic credit card number may be static. Accordingly, for example, the credit card number may change but particular digits of the dynamic credit card number may remain constant. For example, a dynamic credit card number may be provided such that the beginning one or more digits (e.g., first six digits) are static. As such, the beginning one or more digits of a number may be representative of the type of card (e.g., a dynamic credit card) as well as other information. Such information may include, for example, routing information such that at least some of the digits of a number may be communicated to remote servers according to the static routing information. For example, the beginning digit of numerous dynamic credit cards may have the same static one or more digits (e.g., begining digits). For example, the beginning digits of an American Express dynamic credit card may take the form of “399.” The first digit (e.g., “3”) may be representative of the card manufacturer (e.g., “American Express”). The second and third digits (e.g., “99”) may be representative of the type of card (e.g., a dynamic credit card). A magnetic emulator may be provided on a card (e.g., a credit or debit card). Such a magnetic emulator may include one or more wires that are able to produce an electromagnetic field that is operable to be read by, for example, a magnetic stripe reader. The magnetic emulator may be provided about a magnetic stripe and may be utilized to produce an electromagnetic field such that, for example, a magnetic stripe reader may seamlessly read a portion of the magnetic stripe, then read fields generated from the magnetic emulator, then read another portion of the magnetic stripe. In doing so, for example, only particular information related to an account (e.g., all or a portion of a credit card number) may be communicated via a magnetic emulator and, as such, may be operable to be changed. A magnetic emulator may be placed adjacent to a magnetic stripe such that the first data read by a magnetic stripe data is provided by the magnetic emulator. Similarly, numerous magnetic emulators may be provided about one or more magnetic stripes. For example, a magnetic emulator may be provided at different locations on different tracks of a magnetic stripe. Magnetic emulators may share, for example, similar control circuitry. Magnetic emulators may communicate data directly to a read-head of a card reader without the presence of a magnetic medium. A card may be provided with one or more emulators and without a magnetic stripe. A magnetic encoder may be provided, for example, to change the state of magnetic filaments located on a magnetic stripe such that information may be changed. A magnetic encoder may write information on a magnetic material configured for that magnetic encoder. Accordingly, for example, a card (e.g., a security card) may be provided with a magnetic stripe having one set of attributes (e.g., one coercivity) and another magnetic stripe, configured for use with a magnetic encoder, having a different set of attributes (e.g., a different coercivity). An identification name may be printed on the front of a card (e.g., a credit, debit, or security card). This name may be unique. Accordingly, for example, no two credit cards may be fabricated that utilize the same identification name. For example, instead of providing a card with an identification name of “Christopher Mullen,” that card may include an identification name of “Christopher-Mullen-201.” As such, a user on a website may utilize the identification name in a field representative of “name on card”/“name of account holder.” Such an identification name may also be communicated to a magnetic stripe reader via a magnetic stripe or magnetic emulator located on a credit card. A batch of credit card numbers may be partitioned such that, for example, two users having the same name may not, for example, have a dynamic credit card associated with the same particular partition. For example, suppose the first three numbers of a dynamic credit card number are static (e.g. “391”). The first digit (e.g., “3”) may be representative of a credit card manufacturer (e.g., “American Express.”). The second digit (e.g., “9”) may be representative of the type of credit card (e.g., a dynamic credit card). The third digit (e.g., “1”) may be representative of the partition. Accordingly, a credit card verification process may be able to recognize a partition. Using this scheme, for example, ten partitions may be provided (e.g., “390-399”). As such, ten people using the exact same name may be provided with a dynamic credit card that utilizes this scheme and each could be provided with a different partition. More than one display may be utilized on a card, such as an identification card or credit card. A single controller (e.g., a processor) and a clock may be utilized to drive such displays. Similarly, each display may be provided with its own controller and clock. The clock may supply timing signals to such controllers. Accordingly, each controller may be provided with a different type of coding. For example, one controller may utilize one coding scheme and another controller may utilize another coding scheme. As such a dynamic number, such as a dynamic credit card number, may be provided by one or more displays run by different coding schemes. If one coding scheme is compromised by a thief, such an additional coding scheme would provide additional security. Similarly, a single controller may provide multiple coding schemes to different portions of a dynamic number (e.g., a dynamic credit or debit card number). A dynamic number may change periodically. A dynamic number may change based on a time period. This time period may be displayed on a display. For example, the time period may be a portion of a dynamic number. Accordingly, a transmitted dynamic number may include the information as to what time period, or time periods, the dynamic number is associated with. A dynamic code may be provided. A dynamic code may be provided on its own display or on a display providing other information (e.g., dynamic card number). Such a dynamic code may be, for example, a dynamic security code. Accordingly, for example, a dynamic security code may be utilized with a dynamic card number to authorize a payment transaction. Such a dynamic code may also be communicated through a magnetic emulator or encoder. Alternatively, for example, one dynamic code may be communicated visually (e.g., for online transactions) and a different dynamic code may be communicated magnetically (e.g., for in-store transactions). Such codes may change based on time or use. One or more buttons may be provided to change a particular dynamic number or all dynamic numbers. For example, a button may be utilized to change a dynamic card number and a different button may be utilized to change a dynamic security code for online use. A single button may be provided, for example, that changes all dynamic numbers (e.g., a card number provided on a display, an online security code provided on the same or a different display, and an in-store code communicated magnetically to a magnetic stripe reader). An in-store code and an online security code may be, for example, the same code. Different tracks of data may, for example, have different security codes. Continue reading about Advanced dynamic credit cards... Full patent description for Advanced dynamic credit cards Brief Patent Description - Full Patent Description - Patent Application Claims Click on the above for other options relating to this Advanced dynamic credit cards patent application. ###  How KEYWORD MONITOR works... a FREE service from FreshPatents1. Sign up (takes 30 seconds). 2. Fill in the keywords to be monitored. 3. Each week you receive an email with patent applications related to your keywords. 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