Abstract: A payment card comprises a store of issuer-defined pre-generated cryptograms that are loaded only once into the Card by a perso-bureau or issuer. An on-board and autonomous electronic display of the personal account number (PAN), card verification value (CVV), or expiration date (EXP) is auto-sequenced through the stored cryptograms. Each value displayed to the user is unique, and useful in a financial transaction only once. The Card thus requires no changes in behavior on the part of the User, because the existing merchant infrastructure is already equipped to collect PAN+CVV+EXP data for user verification and transaction authorization.

Abstract: A payment card comprises a store of issuer-defined pre-generated cryptograms that are loaded only once into the Card by a perso-bureau or issuer. An on-board and autonomous electronic display of the personal account number (PAN), card verification value (CVV), or expiration date (EXP) is auto-sequenced through the stored cryptograms. Each value displayed to the user is unique, and useful in a financial transaction only once. The Card thus requires no changes in behavior on the part of the User, because the existing merchant infrastructure is already equipped to collect PAN+CVV+EXP data for user verification and transaction authorization.

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.

Abstract: A payment card fraud detection business model comprises an internal virtual account number generator and a user display for Card-Not-Present transactions. Card-Present transactions with merchant card readers are enabled by a magnetic array internally associated with the card's magnetic stripe. The internal virtual account number generator is able to reprogram some of the magnetic bits encoded in the magnetic stripe to reflect the latest virtual account number. The internal virtual account number generator produces a sequence of virtual numbers that can be predicted and approved by the issuing bank. Once a number is used, such is discarded and put on an exclusion list or reserved for a specific merchant until the expiration date. A server for the issuing bank logs the merchant locations associated with each use or attempted use, and provides real-time detection of fraudulent attempts to use a virtual account number on the exclusion list.

Abstract: A payment card financial transaction authenticates for providing overall financial network security computes a number of results from a cryptographic key that match values that were selectively used to personalize individual payment cards with their individual user identification and account access codes. An account access code is later presented daring a financial transaction involving at least one of those individual payment cards. A dynamic portion is included in a merchant's magnetic reading of the payment card. Then authenication can proceed by matching it with values computed from the cryptographic key.

Abstract: A payment card comprises an internal dynamic PIN code generator and a user display for card-not-present transactions. Card-present transactions with merchant card readers are enabled by a dynamic magnetic array internally associated with the card's magnetic stripe. The user display and a timer are triggered by the user or automatically when the user needs to see the PIN code and/or begin a new transaction. A new PIN code is provided for each new transaction according to a cryptographic process, but the timer limits how soon a next new PIN code can be generated and displayed.

Abstract: A reader for identifying passive transponders includes an antenna for receiving a first signal (Tx) from the reader and for transmitting a second signal (Rx). The reader includes: a time base generating a sinusoidal signal, a control circuit, a modulator for transmitting to the control circuit data to modulate the sinusoidal signal so as to generate a signal carrying commands which, when it is received by the antenna of the transponder, forms the first signal (Tx), a demodulator, a decoder, a communication interface and an antenna. The demodulator, which is connected to the antenna to receive the second signal (Rx), includes two multipliers, one being of the inverter type, and an adder designed to combine the data derived from the multipliers. A system including first and second devices that communicate by way of a modulated transmitted signal is also described.

Abstract: A payment card fraud detection business model comprises an internal virtual account number generator and a user display for Card-Not-Present transactions. Card-Present transactions with merchant card readers are enabled by a magnetic array internally associated with the card's magnetic stripe. The internal virtual account number generator is able to reprogram some of the magnetic bits encoded in the magnetic stripe to reflect the latest virtual account number. The internal virtual account number generator produces a sequence of virtual numbers that can be predicted and approved by the issuing bank. Once a number is used, such is discarded and put on an exclusion list or reserved for a specific merchant until the expiration date. A server for the issuing bank logs the merchant locations associated with each use or attempted use, and provides real-time detection of fraudulent attempts to use a virtual account number on the exclusion list.

Abstract: A reader for identifying passive transponders includes an antenna for receiving a first signal (Tx) from the reader and for transmitting a second signal (Rx). The reader includes: a time base generating a sinusoidal signal, a control circuit, a modulator for transmitting to the control circuit data to modulate the sinusoidal signal so as to generate a signal carrying commands which, when it is received by the antenna of the transponder, forms the first signal (Tx), a demodulator, a decoder, a communication interface and an antenna. The demodulator, which is connected to the antenna to receive the second signal (Rx), includes two multipliers, one being of the inverter type, and an adder designed to combine the data derived from the multipliers. A system including first and second devices that communicate by way of a modulated transmitted signal is also described.

Abstract: The invention concerns a reader (10) for identifying passive transponders (12) comprising an antenna for receiving a first signal (Tx) from the reader and for transmitting a second signal (Rx). The reader comprises: a time base (54) generating a sinusoidal signal, a control circuit (64), a modulator (56) for transmitting to the control circuit (64) data to modulate the sinusoidal signal so as to generate a signal carrying commands which, when it is received by the antenna of said transponder, forms said first signal (Tx), a demodulator (58), a decoder (60), a communication interface (62) and an antenna (14). The demodulator (60), which is connected to the antenna (14) to receive the second signal (Rx), comprises two multipliers (76, 78), one (78) being of the inverter type, and an adder (70) designed to combine the data derived from the multipliers (76, 78).

Abstract: The invention concerns a radio-frequency transponder (12) for contact-free identification with a reader (10), comprising: an antenna (24), an analog circuit (25) including a capacitor (32) an AC-DC converter (34), a modulator (40) and a demodulator (38), a logic control circuit (26), a storage unit (27). Said transponder (12) is designed such that: the antenna (24) and the capacitor (32) form together a resonant circuit, the clock extractor (36) processes the first signal (Tx) to extract therefrom a clock signal addressed to said modulator (38) as long as the voltage of said signal (Tx) exceeds a first threshold value, the converter (34) transforms the first signal (Tx) into a rectified signal, to power the transponder (12). The performances of the transponder, and more particularly energy recuperation and data transmission rate, are improved by the fact that the analog circuit comprises two clock extractors, one of low level type (35), the other of the high level type (36).

Abstract: The invention concerns a reader (10) for identifying passive transponders (12) comprising an antenna for receiving a first signal (Tx) from the reader and for transmitting a second signal (Rx). The reader comprises: a time base (54) generating a sinusoidal signal, a control circuit (64), a modulator (56) for transmitting to the control circuit (64) data to modulate the sinusoidal signal so as to generate a signal carrying commands which, when it is received by the antenna of said transponder, forms said first signal (Tx), a demodulator (58), a decoder (60), a communication interface (62) and an antenna (14). The demodulator (60), which is connected to the antenna (14) to receive the second signal (Rx), comprises two multipliers (76, 78), one (78) being of the inverter type, and an adder (70) designed to combine the data derived from the multipliers (76, 78).

Abstract: The invention concerns a radio-frequency transponder (12) for contact-free identification with a reader (10), comprising: an antenna (24), an analog circuit (25) including a capacitor (32) an AC-DC converter (34), a modulator (40) and a demodulator (38), a logic control circuit (26), a storage unit (27). Said transponder (12) is designed such that: the antenna (24) and the capacitor (32) form together a resonant circuit, the clock extractor (36) processes the first signal (Tx) to extract therefrom a clock signal addressed to said modulator (38) as long as the voltage of said signal (Tx) exceeds a first threshold value, the converter (34) transforms the first signal (Tx) into a rectified signal, to power the transponder (12). The performances of the transponder, and more particularly energy recuperation and data transmission rate, are improved by the fact that the analog circuit comprises two clock extractors, one of low level type (35), the other of the high level type (36).