Magnetic emissive use of preloaded payment card account numbers

摘要

A thin-client access card has a card body with partial or fully emissive magnetic data tracks. An emissive element is disposed in the card body under the location of the legacy magnetic data tracks. An electronic signal conditioner converts audio signals from a mobile device into magnetic data applied to the emissive element. A swipe sensor detects when the thin-client access card is being swiped by a legacy card reader, and triggers an output of magnetic data from the emissive element while proximal to the POS reader head. A cable attaches the thin-client access card as a peripheral to the mobile device with an audio output jack.

主权项

1. A payment card system, comprising:
a computer; a mobile device; and a payment card, wherein the computer is programmed to encrypt a use-once account number and to transmit the encrypted use-once account number to the mobile device, wherein the mobile device comprises a Bluetooth transceiver and the mobile device is programmed to receive the encrypted use-once account number from the computer, to decrypt the encrypted use-once account number, and to transmit the decrypted use-once account number via the Bluetooth transceiver to the payment card, wherein the payment card comprises:
a Bluetooth transceiver configured to receive the decrypted use-once account number from the mobile device;an inductive loop configured for the serial output of dynamic magnetic data to spoof a read head of a legacy card reader into accepting the dynamic magnetic data as conventional track data;a microcontroller programmed to convert the decrypted use-once account number for serial output by the inductive loop in which serially time encoded electro-magnetic fields are emitted to mimic those of a conventional magnetic recording being swiped past said read head; anda swipe sensor configured to signal when the payment card has been swiped by the legacy card reader and to trigger an output that includes the decrypted use-once account number via the inductive loop as magnetic data.