Automated card information exchange pursuant to a commercial transaction

摘要

In general, embodiments of the present invention relate to a 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 an energy component for providing power to the card and a back display (e.g., positioned on the back or magnetic strip side of the card) for displaying card information being used in the commercial transaction. Upon display, a terminal (e.g., a point of sale terminal) will scan/read the card information and generate a corresponding source validation code (SVC). An imager 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). A biometric reader positioned on a front side of the card will take a biometric reading from a user of the card and corresponding user validation code (UVC) logic will generate a UVC based on the biometric reading. The underlying commercial transaction can then be validated (e.g., by a server associated with the terminal or by validation logic on the card itself), a validation result can be displayed on a front display (e.g., positioned on the front side of the card).

主权项

1. A method for automated card information exchange pursuant to a commercial transaction, comprising:
powering a card being used in the commercial transaction by a photon-to-electric energy converter; displaying card information on a dynamic visual display positioned on the card; transmitting, via a radio frequency identification (RFID) component, the card information to a terminal associated with the commercial transaction using the dynamic visual display; receiving, from a website, a source verification code (SVC) with an alignment marker via an imager positioned on the card, the SVC being an encoded 2-dimensional image generated based on the card information; aligning the card with a screen of the terminal according to the alignment marker; generating a card validation code (CVC) on the card using the SVC; generating a user validation code (UVC) pertaining to a validation a of user, the UVC code being generated based on a biometric reading taken via a biometric reader positioned on the card; and validating the commercial transaction based on the SVC, the CVC, and the UVC.