Abstract: Conventional magnetic stripe cards are encoded with static magnetic patterns. To act like many different magnetic stripe cards, a programmable dynamic magnetic stripe card disclosed. The programmable dynamic magnetic stripe card includes a solenoid coil for generating a magnetic field and solenoid coil driver circuitry for driving the solenoid coil to generate a magnetic field. To improve the quality of the magnetic field generated, a biasing magnet is placed adjacent to the solenoid coil.

Abstract: A method for designing and constructing a thin programmable dynamic credential card is disclosed. The thin programmable dynamic credential card may comprise nine different layers carefully constructed to house a battery, a processor, a wireless communication system, a solenoid coil, a graphical display, input buttons, and other electrical components all within the thin form factor of a credit card.

Abstract: A dynamic credential card system for interoperating with multiple different point-of-sale systems is disclosed. The system comprises three computer systems: a dynamic digital value transfer system operating on a server, a dynamic digital value transfer application operating on a mobile digital device, and a small programmable dynamic credential card system. The dynamic digital value transfer system interoperates with third party payment systems and communicates with the dynamic digital value transfer application. The dynamic digital value transfer application communicates with the small programmable dynamic credential card system. The small programmable dynamic credential card system has at least one Point-of-Sale communication system for communicating with retail Point-Of-Sale terminals.

Abstract: Conventional magnetic stripe cards are encoded with static magnetic patterns. To act like many different magnetic stripe cards, a programmable dynamic magnetic stripe card disclosed. The programmable dynamic magnetic stripe card includes a solenoid coil for generating a magnetic field and solenoid coil driver circuitry for driving the solenoid coil to generate a magnetic field. To improve the quality of the magnetic field generated, a biasing magnet is placed adjacent to the solenoid coil.