PIN-SECURED DYNAMIC MAGNETIC STRIPE PAYMENT CARD
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United States of America Patent
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N/A
Issued Date -
N/A
app pub date -
Feb 17, 2007
filing date -
Apr 14, 2006
priority date (Note) -
Abandoned
status (Latency Note)
Importance
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.
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