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US Patent 7793851 Dynamic credit card with magnetic stripe and embedded encoder and methods for using the same to provide a copy-proof credit card

Patent 7793851 was granted and assigned to Dynamics (company) on September, 2010 by the United States Patent and Trademark Office.

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Patent abstractTimelineTable: Further ResourcesReferences
Is a
Patent
Patent

Patent attributes

Current Assignee
‌
Dynamics (company)
Patent Jurisdiction
United States Patent and Trademark Office
United States Patent and Trademark Office
Patent Number
7793851
Patent Inventor Names
Jeffrey D Mullen67
Date of Patent
September 14, 2010
Patent Application Number
11431254
Date Filed
May 9, 2006
Patent Citations Received
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US Patent 12137088 Browser integration with cryptogram
1
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US Patent 12120117 Method and system for token provisioning and processing
2
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US Patent 12124903 Card with a time-sensitive element and systems and methods for implementing the same
3
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US Patent 12125027 Systems and methods for performing transactions with contactless cards
4
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US Patent 12125021 Devices and methods for selective contactless communication
5
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US Patent 11658997 Systems and methods for signaling an attack on contactless cards
6
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US Patent 11676138 Multi-network tokenization processing
7
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US Patent 11687930 Systems and methods for authentication of access tokens
8
...
Patent Primary Examiner
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Karl D Frech
Patent abstract

A dynamic credit card is provided in which a secure credit card number (e.g., a secret/hidden credit card number) is encoded based on a timing signal (e.g., an internal counter) to provide a dynamic credit card number. This dynamic number may be displayed to a user via a display (e.g., so that online purchases can be made) or written onto a magnetic stripe such that the number may be processed by traditional credit card merchants (e.g., swiped). At a remote facility, the dynamic number may be decoded based on time (and/or a counter/key number/equation) Thus, a dynamic credit card number may change continually or periodically (e.g., every sixty seconds) such that credit card numbers may not be copied by thieves and used at later times. A dynamic verification code may also be utilized in addition to, or in lieu of, a dynamic credit card number.

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