Dynamics Inc.

Bruce S Cloutier

Jeffrey David Mullen

David N Lambeth

Philip W Yen

James H Workley

L Casimir Mostowy, Jr

William T Shepherd

Michael T Wallace

Will Reutzel

Ryan Kellogg

Brian Zhang

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.

Payment cards and devices operable to receive point-of-sale actions before point-of-sale and forward actions at point-of-sale

Programming fixtures are provided that program cards, such as payment cards, with data, such as personal data, using light transmitters and receivers. For example, an infrared transmitter may be provided to program personal data (e.g., a customer's credit card number) into a card wirelessly. In doing so, the card may be, for example, completely laminated such that there are no exposed electronic components on the exterior surface of the card and be programmed via light.

Programming with light for powered cards and devices

A card may detect variations (e.g., position, velocity, acceleration and direction) of a read head in relation to the card. Based on certain parameters (e.g., card length, initially detected read head position, and read head velocity) the card may change communicated bit parameters (e.g., bit period) so that a total number of data bits may be communicated by the card to the read head while the read head remains within a communication distance of the card.

Systems and methods for advanced communication mechanisms for magnetic cards and devices

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. An emulator may include a coil that includes magnetic, ferromagnetic, or ferromagnetic, material in the coil's interior. Coils may be associated with zones. As a read-head is detected to move from zone-to-zone, coils may be activated to transmit information in those zones.

Cards and devices with magnetic emulators with zoning control and advanced interiors

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. Gift cards may be inputted by a user into such a payment card or other device such that a user can combine gift cards. Similarly, a user be provided with a global payment account that can be utilized in multiple countries that have different standards for formatting data. A user may be provided with a default country (e.g., United States) but may have a way to select that the user is in a different country (e.g., Japan). Accordingly, a user may select that a Japanese data structure be transmitted through a magnetic stripe reader when the user is in Japan.

Payment cards and devices with gift card, global integration, and magnetic stripe reader communication functionality

A payment card (e.g., credit and/or debit card) is provided with a magnetic emulator operable of communicating information to a magnetic stripe reader. Information used in validating a financial transaction is encrypted based on time such that a validating server requires receipt of the appropriate encrypted information for a period of time to validate a transaction for that period of time. Such dynamic information may be communicated using such an emulator such that a card may be swiped through a magnetic stripe reader&#x2014;yet communicate different information based on time. An emulator may receive information as well as communicate information to a variety of receivers (e.g., an RFID receiver).

Cards and devices with multifunction magnetic emulators and methods for using same

A card with power management circuitry is provided. A card may have circuitry contained therein (e.g., a processor) that may have a maximum operating voltage. The card may include a power source (e.g., a battery) that provides power ranging in voltage from a maximum power source voltage to a minimum power source voltage. The maximum power source voltage is greater than the maximum operating voltage. Power management circuitry is provided to manage the power received from the power source such that the voltage provided to the circuitry (e.g., processor) does not exceed the maximum operating voltage.

Cards with power management

Cards and devices with multifunction magnetic emulators and methods for using the same

A card exhibiting enhanced detection is provided. A plurality of detector shapes that may be associated with a detection system increases detection effectiveness, while reducing adverse effects of detection systems that may be operating within a electromagnetic field environment.

Systems and methods for detection mechanisms for magnetic cards and devices

A payment card (e.g., credit and/or debit card) or other card or device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. User interfaces are provided in a number of different configurations in order to achieve a number of different functionalities.

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Jeannette, PA, United States of America

Bruce S Cloutier