Abstract: A credit card is provided that may include a credit card number, where at least a portion of the credit card number changes periodically. A magnetic emulator and/or magnetic stripe encoder may be provided to communicate at least a portion of the information needed to complete a credit card transaction to a credit card reader. For example, a magnetic emulator may be provided about a magnetic stripe so that the magnetic emulator communicates the information that changes and the magnetic stripe communicates the information that does not change. In doing so, the amount of power used by a credit card may be reduced with respect to a credit card that communicates, for example, all of the information with a magnetic emulator.

Abstract: A payment card or other device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. A user can utilize buttons located on the card to perform activities that would otherwise be performed at an ATM, payment card reader, or by a waitress. A user can provide instructions on a card to accelerate a transaction. The information a user enters can be communicated to a point-of-sale device. For example, a user can enter into his/her card that the user desires $100 withdrawal from a checking account. The user can also enter his/her PIN into the card. The user can swipe his/her card into an ATM and instantly be provided with the desired $100.

Abstract: A payment card (e.g., credit and/or debit card) or other device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. Such a magnetic emulator may comprise non-magnetostrictive material such that the magnetic emulator may be fabricated in a wide variety of fabrication processes. Additionally, magnets may be added to amplify the signal of a magnetic emulator. In doing so, a magnetic emulator may provide a large amount of signal while consuming a reduced amount of electrical energy when compared to a magnetic emulator that does not include the presence of one or more magnets.

Abstract: A payment card (e.g., credit and/or debit card) is provided with a magnetic emulator operable to act as a magnetic stripe read-head detector and a data transmitter. A multiple layer flexible PCB may be fabricated to include multiple magnetic emulators. Layers of the flexible PCB may include magnetic shielding in order to reduce interference from the magnetic emulators to particular read-heads on a magnetic stripe reader.

Abstract: A payment card (e.g., credit and/or debit card) or other device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. Such a magnetic emulator may comprise non-magnetostrictive material such that the magnetic emulator may be fabricated in a wide variety of fabrication processes. Additionally, magnets may be added to amplify the signal of a magnetic emulator. In doing so, a magnetic emulator may provide a large amount of signal while consuming a reduced amount of electrical energy when compared to a magnetic emulator that does not include the presence of one or more magnets.

Abstract: This invention provides a system and method for authorizing automated value transfers from an account available to users who do not have a pre-existing trust, business or financial relationship. In an embodiment of the present invention, a Sender at a first location purchases a PIN Card at a point of sale, such as a retail location or a bank teller. The Sender contacts an intended Recipient at a remote location and discloses a Transfer PIN associated with the PIN Card, as well as the amount being transferred, to that intended Recipient. The Recipient needs only the Transfer PIN and a Cash Card to receive the money transfer at a participating remote location. To receive the value associated with the PIN Card, the Recipient inserts or swipes the Cash Card at an ATM and enters the Transfer PIN. An authorization system then authorizes the dispensing unit to dispense that value amount.

Abstract: A card is provided, such as a credit card or security card, that may transmit information to a magnetic stripe reader via a magnetic emulator. The emulator may transmit the information in order to reduce the amount of circuitry needed to emulate a particular block of information. Additionally, for example, one or more buttons may be included on the card. Buttons may be includes, for example, to provide a control interface to navigate through various options of the card. Additionally, coding schemes may be selected via buttons. Furthermore, a card may be locked until a private number is entered into a card or a number may only be generated (e.g., displayed and/or emulated) once a particular private number is entered into a card.

Abstract: A mechanism for ensuring the authenticity of written and printed documents. With the mechanism of the present invention, electronic ink is deposited onto a document, wherein the electronic ink deposited comprises at least one mark visible to a user. Current is applied to the electronic ink while the electronic ink is wet. The current is applied to the electronic ink in order to imprint a pattern in the ink. The electronic ink deposited on the document is then allowed to dry. The pattern in the electronic ink may then be examined to verify the authenticity of the document.

Abstract: A magnetic device comprises a magnetic stripe for recording a combination of dynamic and static magnetic data. The magnetic stripe comprises at least two regions of material with substantially different coercivities. A first of these regions includes a relatively high coercivity material into which the static magnetic data will be originally recorded by a relatively strong magnetic recording head external to the magnetic device. An array of bit striplines underlies a second of the two regions of material with relatively low coercivity, and is able to produce magnetic fields sufficient to write the dynamic magnetic data in such low coercivity material. The bit stripline may also underlie the first region of relatively high coercivity material, but the magnetic fields it can generate are not strong enough to affect the static magnetic data. The bit stripline is built up from many parallel sections of conductor.

Abstract: A non-quadrilateral data-encoded card is provided having a partially circular shape with a substantially straight edge portion. A data-storage region is disposed on one side of the card substantially parallel to but spaced from the straight edge portion. A case for the card is formed from first and second cover portions. The first and second cover portions are pivotally connected to each other and to the card. As a result of the pivotal connection, the card may be pivotally accessed easily relative to the first or second cover portions. The card with its uniquely shaped partially circular peripheral extent and straight edge portion has application as a credit card, debit card, gift card, or other value associated card.

Abstract: An embodiment of the present promotional card has a surface area. A first section of the surface area identifies a promotional target. A second section of the surface area includes identifying indicia for associating the promotional card with a preexisting stored value account. An embodiment of the present promotional card may be used in the promotion of an idea to a target. The target is provided with a promotional card intended to form a positive association with the idea and also to provide the target with a benefit. The benefit is obtainable through use of the promotional card. The target's positive association with the idea is reinforced when the target receives the promotional card and learns of the benefit and further reinforced when the benefit is obtained.

Abstract: A swipe card and a method and system of monitoring usage of a swipe card. The swipe card includes a substrate forming a body of the card, a magnetic strip for storing accessible account information and a swipe counter. The swipe counter detecting and accessibly storing a count of the number of times the magnetic strip is swiped. The swipe counter can include a piezo-electric element. The swipe counter can include a capacitive element for storing pulses of energy generated when the magnetic strip is swiped. The swipe counter can include a micro-electromechanical system for recording select physical movement of the card. The swipe card can further include a swipe analyzer for detecting and accessibly storing descriptive information associated with at least one transaction associated with each swipe, wherein the swipe analyzer is operatively coupled to the magnetic strip.

Abstract: Transaction cards are provided, wherein said foldable transaction cards have internal hinge material disposed within the foldable transaction card and fold lines for folding the transaction cards. In addition, foldable transaction card systems are provided, whereby transaction cards, having the internal hinge material, are provided within housings, cases or carriers. Moreover, methods of making foldable transaction cards are provided.

Abstract: A system for displaying audio content with text including a book holder and a book. The book holder identifies which book of a plurality is placed in the holder by detecting magnetic indicators in specific locations and arrangements which are unique to each book. The page of the book which a user views at any given time is identified by detection of ambient light, by detection of a number of circuit elements in parallel, by detection of progressively stacked magnetic sensors, or by microwave reflection.

Abstract: A multipurpose card, including, a multimedia card portion and a second card portion wherein the two card portions releasably cover the multimedia surface of the multimedia card portion. The multimedia card portion can include CD, DVD, or other media technology, while the second card portion can be a credit card, affinity card, or other such card.

Abstract: A portable card adapted to interact with a data processing station when the portable card and the data processing station are moved relative to each other is disclosed. The portable card includes a substrate having a predetermined shape, e.g. rectangular. An accessible embedded storage member is enclosed within said substrate. The storage member includes at least one layer of storage material for storing information in a predetermined format for processing by the data processing station. The storage member and the substrate are adapted to be transported relative to each other to expose at least a portion of the storage member to the data processing station to facilitate processing of stored information and for embedment of the storage member within the substrate. The storage member may be in the form of an elongated strip member, or a circular member.

Abstract: A financial transaction card having a front side and a back side is provided and further includes a magnetic strip configured to retain data associated with a financial transaction card account, where the account is associated with the card, and a character grid printed on one of the front side and the back side. A method for securing transactions that are not made in person utilizing a financial transaction card are also provided.

Abstract: A communication system includes at least one contactless card configured to transmit an encoded identifier; and a reader configured to receive the encoded identifier and compare the received encoded identifier with an encoded reference card identifier, wherein the reader requests data from the contactless card if the encoded identifier matches the encoded reference card identifier.

Abstract: Metal-containing transaction cards, useful for the purchase of goods and/or services, and methods of making the same are provided. The metal-containing transaction cards may be standard-sized (i.e., about 3 ? inches by about 2 ¼ inches) or any other size yet still usable as a transaction card. Moreover, the metal-containing transaction card may have a magnetic stripe, an embedded microchip, a signature panel, a holographic image, or any other feature typically contained on or within a transaction card. The transaction cards have at least one layer of metal with, optionally, other layers of substrates, such as thermoplastic polymers, other metals or adhesives. In addition, the metal-containing transaction card may be anodized, coated, or laser-engraved. Preferably, the metal is titanium or stainless steel.

Abstract: The invention discloses a card discriminating system used for identifying whether a card is authentic or not. The card has a surface, and N sensing marks are formed on the surface of the card. The card discriminating system includes a position-based pulse generation module, at least one sensor, and a micro-controller unit. The micro-controller unit is respectively coupled with the position-based pulse generating module and each of the sensors. When the card actuates and passes through the position-based pulse generating module, the position-based pulse generating module will generate a reference position-based pulse. When one of the N sensing marks of the card passes through one of the sensors, the sensor will generate a corresponding sensing position-based pulse. The micro-controller unit is used for comparing the sensing position-based pulse with the reference position-based pulse, so as to identify whether the card is authentic or not.

Abstract: The apparatus and method described herein provides for creating multiple spatial patterns, such as magnetic patterns on credit cards. The invention includes storage of information from which patterns may be created, a pattern creation device for creating the spatial patterns, and control whereby the information which is stored is selectively utilized to cause the pattern creation. This allows multiple desired patterns to be simulated, allowing convenient replacement of a number of separate pattern carrying devices.

Abstract: A system and process for reliably capturing, storing, and providing personal and medical information to medical service providers.

Abstract: A stored value card device has a housing comprising an upper shell and a lower shell. The card device is dimensioned similar to typical credit cards and contains a circuitry for producing an audio/visual message in an inner space formed between the upper and lower shells, which are shaped like opposing trays. The two shells join together through a simple complementary engagement. A card component slides out from the bottom of the lower shell, which has two-tiered structure for mounting the card component. An electronic message device is retained in the cubic space of the housing which includes a power supply, a processing device, an audio and/or video player, and a switch triggered by a push button on the upper shell, thereby the stored value card device provides two independent operations as an electronic message player and as a convertible card in a thin profile at the same time.

Abstract: Convenient transaction cards are provided that may be attached or interconnected with portable electronic devices, such as, for example, cellular telephones, PDAs, MP3 players, the iPod™ digital music device, and other like portable electronic music devices. The transaction cards may be foldable to provide for convenient storage and access of the transaction card when utilized. In addition, the transaction cards may be provided within a case or a housing that may be removable from the electronic device.

Abstract: A data carrier including a flat carrier element having at least one memory segment configured to store user-specific information and at least one inscription segment configured to store visually readable information. Further, the carrier element further includes a multi-information segment having a plurality of information layers arranged one on top of another, and at least two information layers are writable and/or printable and at least one top information layer is made separable from a neighboring lower information layer.

Abstract: A plurality of resonators are embedded in a base material for use in applications in the printing industry. The base material including the resonators can be used in printing press applications, finishing applications, packaging applications, distribution applications, and downstream applications. The base material can include paper, ink, coatings, polymers, composites, adhesives, metal, or a combination of any of these materials.

Abstract: The present invention discloses a system and methods for biometric security using biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. The device for verifying samples compares the biometric samples with information stored on databases.

Abstract: A secure magnetic stripe card stripe reader (MSR) module and software system capable of encrypting the magnetic stripe data to CPI, SDP and CISP standards for use in point of sale (POS) and other applications requiring data security using non secure networks and computing devices. Additionally, when incorporated within an attachment for conventional personal digital assistant (PDA) or cell phone or stationary terminal, provides encrypted data from the magnetic head assembly providing compliance with Federal Information Processing Standards Publication Series FIPS 140 covering security and tampering standards. Moreover, this module and software system includes the capability of providing secure POS transactions to legacy transaction processing systems and POS terminals transparently to the existing infrastructure. Furthermore, this module and software system includes the capability of transparently providing detection of fraudulently copied magnetic stripe cards.

Abstract: A transaction card comprises a memory operable to store a plurality of transaction profiles associated with a transaction card holder. A user interface on the transaction card is operable to receive input from the transaction card holder, and a communications interface is operable to convey one of the plurality of transaction profiles selected via the user interface to a transaction party other than the transaction card holder.

Abstract: This invention provides an antenna apparatus (60) for use in a non-contact type IC card into and from which data can be written and read by electronic apparatuses having a communication function, by virtue of inductive coupling. The antenna apparatus comprises a loop coil (61) and a magnetic member (62). The loop coil is produced by winding a conductive wire in a plane and configured to perform the inductive coupling. The magnetic member covers one region (61a) of the loop coil, provided at one side, from one surface of the loop coil, passes through the loop coil, and covers the other region (61b) of the loop coil, provided at the other side, from the other surface of the loop coil. The entire region of the loop coil is thus covered.

Abstract: A medium processing device is provided having a front panel which is formed with an aperture where a magnetic recording medium is inserted into or ejected from and which partitions an outside of a device from an inside of the device. A magnetic head is provided in the inside of the device for writing or reading information in or from the magnetic recording medium a shading filter is provided in at least one part of the front panel for shading visible light and a foreign matter detecting mechanism is provided on an inner side of the device with respect to the shading filter for detecting a foreign matter that is attached to the outside of the device.

Abstract: A data card for facilitating a transaction, including a card body having a front surface and a back surface, a first data storage section storing a first set of data, a second data storage section storing a second set of data, a third data storage section storing a third set of data, and a fourth data storage section storing a fourth set of data. At least two of the first data storage section, the second data storage section, the third data storage section, and the fourth data storage section store different data. Each of the data storage sections is operable for facilitating the same transaction.

Abstract: A system for facilitating a commercial transaction by a consumer includes a card or electronic storage device which includes a first number for identifying a financial account of the consumer and a second number, related to the first number, for use in authorizing a transaction involving the financial account of the consumer.

Abstract: A magnetic stripe reading device including a magnetic head assembly including a mounting element, at least one information reading sensor having output contacts, the sensor being mounted in the mounting element and a flat cable coupled to the output contacts of the at least one information reading sensor, a portion of the flat cable being arranged in a doubled-over configuration over the output contacts, thereby to provide anti-tampering protection to the output contacts.

Abstract: Metal-containing transaction cards, useful for the purchase of goods and/or services, and methods of making the same are provided. The metal-containing transaction cards may be standard-sized (i.e., about 3? inches by about 2¼ inches) or any other size yet still usable as a transaction card. Moreover, the metal-containing transaction card may have a magnetic stripe, an embedded microchip, a signature panel, a holographic image, or any other feature typically contained on or within a transaction card. The transaction cards have at least one layer of metal with, optionally, other layers of substrates, such as thermoplastic polymers, other metals or adhesives. In addition, the metal-containing transaction card may be anodized, coated, or laser-engraved. Preferably, the metal is titanium or stainless steel.

Abstract: An automated banking machine system and method includes ATMs which accept checks and dispense cash to users. The ATMs are operated to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash may be dispensed to the user from the ATM in exchange for the deposited check. The ATMs dispense cash responsive to communications with a transaction host. The transaction host provides transaction identifying data to the ATM. The ATM sends the transaction identifying data and check images to an image and transaction data server for processing.

Abstract: There is provided with a portable communication device which can perform proximity contactless communication without reducing a distance capable of performing the proximity contactless communication thereby to improve convenience and prevent degradation of the characteristics of the proximity contactless communication. In a mobile communication device 1 with a proximity contactless communication function, antennas 14A to 14C for performing the proximity contactless communication with an external proximity contactless communication device 2 are provided on the plural surfaces of the casing 10 of the mobile communication device 1. Each of the antennas 14A to 14C has one or more loops and the antennas 14A to 14C are coupled in series.

Abstract: A portable card adapted to interact with a data processing station when the portable card and the data processing station are moved relative to each other is disclosed. The portable card includes a substrate having a predetermined shape, e.g. rectangular. An accessible embedded storage member is enclosed within said substrate. The storage member includes at least one layer of storage material for storing information in a predetermined format for processing by the data processing station. The storage member and the substrate are adapted to be transported relative to each other to expose at least a portion of the storage member to the data processing station to facilitate processing of stored information and for embedment of the storage member within the substrate. The storage member may be in the form of an elongated strip member, or a circular member.

Abstract: A portable card adapted to interact with a data processing station when the portable card and the data processing station are moved relative to each other is disclosed. The portable card includes a substrate having a predetermined shape, e.g. rectangular. An accessible embedded storage member is enclosed within said substrate. The storage member includes at least one layer of storage material for storing information in a predetermined format for processing by the data processing station. The storage member and the substrate are adapted to be transported relative to each other to expose at least a portion of the storage member to the data processing station to facilitate processing of stored information and for embedment of the storage member within the substrate. The storage member may be in the form of an elongated strip member, or a circular member.

Abstract: The invention relates to a security element or film materials for data carriers, valuable documents, packings and the like, which comprises a magnetic coding that is produced in situ. The invention also relates to a method and a device for producing the magnetic coding in situ.

Abstract: A protective case (10) for securing and protecting a plurality of different sized memory cards (31, 39, 54, 66, 77, 82, 90) includes a rigid exterior container (12) having a first shell (14) and a second shell (16). First and second resilient inserts (26, 28) are dimensioned to nest within the first and second shells (14, 16) and the inserts (26, 28) each define five memory card securing means (30, 42, 56, 72, 84) for securing differing sized memory cards (31, 39, 54, 66, 77, 82, 90) against unassisted removal from the case. Abutment edges (36, 48A, 48B) are defined to contact a peripheral edge of a memory card secured by the securing means. Extraction cavities (38A, 38B, 50A, 50B) are also defined on opposed edges of the secured cards for facilitating removal of the memory cards from the case.

Abstract: A payment card comprises an internal virtual account number generator and a user display for online transactions. Offline transactions with merchant card readers are enabled by a magnetic array positioned behind the card's magnetic stripe on the back. The internal virtual account number generator is able to program 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, it is discarded and put on an exclusion list.

Abstract: A stored-value vessel includes an end wall, a side wall, and an account identifier. The side wall extends around and away from the end wall to define a chamber therebetween. The chamber is configured to repeatedly receive one or more products for consumption by a bearer of the stored-value vessel. The account identifier is machine readable by a point-of-sale terminal and immovably included on at least one of the end wall and the side wall. The account identifier links the stored-value vessel to an account or record such that the stored-value vessel is configured to facilitate use of the stored-value vessel as one of payment toward a purchase of one or more of goods and services and an inventory tracking mechanism. Related vessels, cups and associated methods are also disclosed and provide additional advantages.

Abstract: A detectable component has a first inductive coupler (L;M) adapted to couple inductively to a second inductive coupler (L1) of a detection apparatus when the detectable component is in range of or coupled to the detection apparatus. The first inductive coupler has a resistive component (M) with a resistance that varies with magnetic field to cause modulation of a carrier signal supplied to the second inductive coupler of the detection apparatus, the detectable component having a characteristic signature that enables the detectable component to be distinguished by the detection apparatus from other such detectable components having different characteristic signatures.

Abstract: A method of making a transaction card comprising cutting a first sheet of metal to create a card body, cutting a second sheet of metal to create a back panel, applying an adhesive to said back panel and bonding said back panel to said card body.

Abstract: There is provided an accessory device for a financial transaction token. The accessory has an onboard power storage device that enables a financial token or card that is in communication with the accessory to operate when the card or token is not in the proximity of a merchant terminal (e.g.; a POS terminal). In one implementation, the onboard power storage device includes a rechargeable battery or capacitor such as a thin-film capacitor that stores sufficient energy to power the accessory's onboard electronics and/or the electronics of a financial token in communication with the accessory. The accessory may be a subcomponent of another consumer device such as a computing device, communications device, an item of clothing, an item of jewelry, a cell phone, a PDA, an identification card, a money holder, a wallet, a purse, a briefcase, or a personal organizer.

Abstract: Apparatuses forming portable identification cards and associated methods are described. A preferred apparatus includes an input device adapted for a consumer to enter authentication data, a memory for storing reference data, a processor configured to compare the authentication data entered by the consumer to the reference data stored in the memory to determine whether the authentication data entered by the consumer is valid authentication data, an indicator for informing a merchant directly or indirectly when the processor has determined that the consumer has entered valid authentication data, programming which determines if use of the card has resulted in grant of an award, and a power source adapted to supply power to the processor and the indicator.

Abstract: A dynamic credit card is provided in which a secure credit card number (e.g., a secret/hidden credit card number) is encoded based on a timing signal (e.g., an internal counter) to provide a dynamic credit card number. This dynamic number may be displayed to a user via a display (e.g., so that online purchases can be made) or written onto a magnetic stripe such that the number may be processed by traditional credit card merchants (e.g., swiped). At a remote facility, the dynamic number may be decoded based on time (and/or a counter/key number/equation) or the facility may have the secure number and perform the same function as the dynamic credit card (e.g., encode using time data as a parameter to the encoding equation) and compare the resultant dynamic number to the dynamic number received. Thus, a dynamic credit card number may change continually or periodically (e.g., every sixty seconds) such that credit card numbers may not be copied by thieves and used at later times.

Abstract: The object of the invention is to provide a noncontact IC card reader/writer integrated with an antenna that does not require the limitation of an installation location and the adjustment of a resonance frequency of the antenna, is convenient in installation, is provided with a stable characteristic, is small-sized and low-priced. To achieve the object, the invention is provided with a loop antenna that supplies electric power and send data to a noncontact IC card by electromagnetic induction and acquires receive data from the noncontact IC card by load fluctuation, a magnetic body arranged closely at the back of the loop antenna, a first metallic plate arranged on the back side of the magnetic body and a second metallic plate arranged on the back side of the first metallic plate and larger than the first metallic plate in size.

Abstract: Apparatus forming a portable charge, debit or similar identification card which can be read using a magnetic card reader and methods for securing information are described. The preferred apparatus includes a magnetic stripe for storing information, a jamming assembly configured to emit a jamming signal which temporarily renders at least a portion of the magnetic stripe unreadable when the card is swiped through the card reader without first entering correct authentication data, and a power source adapted to supply power to the jamming assembly. Other features are also disclosed.