Light-powered smart card for on-line transaction processing

摘要

In general, embodiments of the present invention relate to a light-powered smart card and associated methods for automated information (static and dynamic) exchange pursuant to a commercial transaction. In a typical embodiment, the card (e.g., a credit card, a debit card and/or a smart card) comprises (among other things) an energy component for providing power to the card. Upon powering up via a light source, including light from the interfacing terminal's backlight, a terminal (e.g., a point of sale terminal) will scan/read card information shared between the card and the card company (e.g., upon swiping or placing of the card), and generate a corresponding source validation code (SVC). An optional imager/image array positioned on the back of the card will scan/read the SVC, and card validation code (CVC) logic on the card will generate a CVC based on the SVC (e.g., based on a validation result of the SVC).

主权项

1. A method for automated card information exchange, comprising:
accessing information from a card that has an energy component that provides power to the card, the information being associated with the card; generating a source verification code (SVC) based on the information; obtaining a user validation code (UVC) pertaining to a validation of a user, the UVC code being generated based on a biometric reading generated by the card; and validating a transaction based on at least one of the SVC and the UVC.