Systems And Methods For Creating Dynamic Programmable Credential and Security Cards

摘要

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.

主权项

1. A dynamic credential card system for interoperating with multiple different point-of-sale systems, said dynamic credential card system comprising the elements of:
a dynamic digital value transfer system executing on a networked server system, said dynamic digital value transfer system able to communicate with a plurality of third party financial payment services; a dynamic digital value transfer application, said dynamic digital value transfer application executing on a mobile digital device with a first wireless communication system, said dynamic digital value transfer application able to communicate with said dynamic digital value transfer system using said first wireless communication system; and a dynamic credential card, said dynamic credential card comprising
a microprocessor system,a second wireless communication system, said dynamic credential card able to communicate with said dynamic digital value transfer application on said mobile digital device using said second wireless communication system, andat least one dynamic point-of-sale communication system for communicating with said multiple different point-of-sale systems, said at least one dynamic point-of-sale communication system under control of said microprocessor system.