Method and system for payment card authentication

1 . A system for executing a transaction by using an account, the system comprising:

a payment card; and

a payment card biometric authenticator,

wherein the payment card comprises:

a display area configured to hide account information when the payment card has not been authenticated and to display the account information for a predetermined time interval when the payment card is authenticated;

a sensor configured to capture biometric information of a user; and

a communication interface configured to facilitate wireless communication with the payment card biometric authenticator and transmit a first request for a first proposed transaction to a mobile smart phone, wherein the first proposed transaction is to be executed by using the payment card,

wherein the payment card biometric authenticator is configured to:

receive the first request for the first proposed transaction to be executed by using the payment card, wherein the payment card biometric authenticator stores account information of an authorized user;

receive, via the communication interface, the captured biometric information including first biometric information of a first user;

determine whether the first biometric information of the first user matches biometric information of the authorized user stored in a database by comparing the first biometric information of the first user with the stored biometric information of the authorized user;

based on a determination that the first biometric information of the first user matches the stored biometric information of the authorized user, authenticate a first use of the payment card for the first proposed transaction by authorizing the first request for the first proposed transaction;

transmit the authentication of the first use of the payment card for the first proposed transaction to the payment card to authorize the displaying of the account information of the authorized user for a predetermined time interval; and

compare first account data stored on the mobile smart phone with the account information that relates to the payment card, wherein the comparing of the first account data further comprises validating the first account data; and

wherein the payment card is configured to:

receive, via the communication interface, the authentication of the first use of the payment card to execute the first proposed transaction; and

cause the display area to display the account information for the predetermined interval of time based on the received authentication.

2 . The system of claim 1 , wherein the sensor comprises at least one from among a fingerprint scanner, a camera configured to capture a facial image, an iris scanner, a heat signature reader, a pressure point reader, a motion sensor, and a gyroscope.

3 . The system of claim 1 , wherein the communication interface comprises at least one from among a Bluetooth chip, a near field communication (NFC) chip, and a radio frequency identification (RFID) chip.

4 . The system of claim 1 , wherein the payment card further comprises a charging cell configured to wirelessly generate power for consumption by the payment card.

5 . The system of claim 1 , wherein when the use of the payment card is authenticated, the payment card biometric authenticator is further configured to:

cause the authentication to expire after an elapsement of the predetermined time interval; and

disable the use of the payment card when the authentication has expired.

6 . The system of claim 5 , wherein the payment card biometric authenticator is further configured to receive, via the communication interface, a user input that relates to specifying an amount of time as the predetermined time interval.

7 . The system of claim 1 , wherein the account information includes at least one from among a cardholder name, an account number, an expiration date of the payment card, and a security code associated with the payment card.

8 . The system of claim 1 , wherein the predetermined time interval is less than or equal to 60 seconds.

9 . The system of claim 1 , wherein the payment card is further configured to:

capture, via the sensor, a second biometric data of a second user for a second request for a second proposed transaction; and

display, via the display area, no account information of the authorized user based on a denied second request,

wherein the payment card biometric authenticator is further configured to:

receive the second request for the second proposed transaction;

determine that the captured second biometric data of the second user does not match the stored biometric information of the authorized user; and

based on the determination that the captured second biometric data of the second user does not match the stored biometric information of the authorized user, deny the second request for the second proposed transaction, wherein the denying of the second request further comprises causing the account information of the authorized user not to be visible on the display area of the payment card.

10 . A method for executing a transaction by using an account of a system that includes a payment card and a payment card biometric authenticator, the method comprising:

capturing, by a sensor of the payment card, biometric information of a user;

facilitating, by a communication interface of the payment card, wireless communication between the payment card and a mobile smart phone;

receiving, by the payment card biometric authenticator, a first request for a first proposed transaction to be executed by using the payment card, wherein the payment card biometric authenticator stores account information of an authorized user;

transmitting, by the communication interface of the payment card, the first request for the first proposed transaction to the mobile smart phone wherein the first proposed transaction is to be executed by using the payment card;

receiving, from the payment card by the payment card biometric authenticator via the communication interface of the payment card, the captured biometric information including first biometric information of a first user;

determining, by the payment card biometric authenticator, whether the first biometric information of the first user matches biometric information of the authorized user stored in a database by comparing the first biometric information of the first user with the stored biometric information of the authorized user;

based on a determination that the first biometric information of the first user matches the stored biometric information of the authorized user, authenticating, by the payment card biometric authenticator, a first use of the payment card for the first proposed transaction by authorizing the first request for the first proposed transaction;

transmitting, by the payment card biometric authenticator, the authentication of the first use of the payment card for the first proposed transaction to the payment card to authorize the displaying of the account information of the authorized user for a predetermined time interval; and

comparing, by the payment card biometric authenticator, first account data stored on the mobile smart phone with the account information that relates to the payment card, wherein the comparing of the first account data further comprises validating the first account data;

receiving, by the payment card from the payment card biometric authenticator via the communication interface of the payment card, the authentication of the first use of the payment card to execute the first proposed transaction; and

displaying, by a display area of the payment card, the account information for the predetermined time interval based on the receiving of the authentication, and

wherein the display area hides the account information when the payment card has not been authenticated.

11 . The method of claim 10 , wherein the sensor comprises at least one from among a fingerprint scanner, a camera configured to capture a facial image, an iris scanner, a heat signature reader, a pressure point reader, a motion sensor, and a gyroscope.

12 . The method of claim 10 , wherein the communication interface of the payment card comprises at least one from among a Bluetooth chip, a near field communication (NFC) chip, and a radio frequency identification (RFID) chip.

13 . The method of claim 10 , wherein the payment card comprises a charging cell configured to wirelessly generate power for consumption by the payment card.

14 . The method of claim 10 , wherein when the use of the payment card is authenticated, the method further comprising:

causing, by the payment card biometric authenticator, the authentication to expire after an elapsement of the predetermined time

interval; and

disabling, by the payment card biometric authenticator, the use of the payment card when the authentication has expired.

15 . The method of claim 14 , the method further comprising:

receiving, via the communication interface of the payment card, a user input that relates to specifying an amount of time as the predetermined time interval.

16 . The method of claim 10 , wherein the account information includes at least one from among a cardholder name, an account number, an expiration date of the payment card, and a security code associated with the payment card.

17 . The method of claim 10 , wherein the predetermined time interval is less than or equal to 60 seconds.

18 . A non-transitory computer readable storage medium storing instructions for executing a transaction by using an account,

wherein the storage medium comprises first set of executable codes of the instructions which, when executed by at least one processor of the payment card, causes the at least one processor of the payment card to:

capture, via a sensor of the payment card, biometric information of a user;

facilitate, via a communication interface of the payment card wireless communication with a mobile smart phone;

transmit, via the communication interface of the payment card, a first request for a first proposed transaction to a mobile smart phone, wherein the first proposed transaction is to be executed by using the payment card;

wherein the storage medium comprises second set of executable codes of the instructions which, when executed by a processor of the payment card biometric authenticator, cause the processor to:

receive the first request for the first proposed transaction to be executed by using the payment card, wherein the payment card biometric authenticator stores account information of an authorized user;

wherein the first set of executable codes of the instructions which, when executed by the at least one processor of the payment card, further cause the at least one processor to:

receive, via the communication interface of the payment card, the captured biometric information including first biometric information of a first user;

wherein the second set of executable codes of the instructions which, when executed by the processor of the payment card biometric authenticator, further cause the processor to:

determine whether the first biometric information of the first user matches biometric information of the authorized user stored in a database by comparing the first biometric information of the first user with the stored biometric information of the authorized user;

based on a determination that the first biometric information of the first user matches the stored biometric information of the authorized user, authenticate a first use of the payment card for the first proposed transaction by authorizing the first request for the first proposed transaction;

transmit the authentication of the first use of the payment card for the first proposed transaction to the payment card to authorize the displaying of the account information of the authorized user for a predetermined time interval;

compare first account data stored on the mobile smart phone with the account information that relates to the payment card, wherein the comparing the first account data further comprises validating the first account data;

wherein the first set of executable codes of the instructions which, when executed by the at least one processor of the payment card, further cause the at least one processor to:

receive, via the communication interface of the payment card, the authentication of the first use of the payment card to execute the proposed transaction; and

display, via a display area of the payment card, the account information for the predetermined time interval based on the receiving of the authentication, and

wherein the display area hides the account information when the payment card has not been authenticated.

19 . The storage medium of claim 18 , wherein when the use of the payment card is authenticated, the second set of executable codes of the instructions, when executed by the processor, further causes the processor to:

cause the authentication to expire after an elapsement of the predetermined time interval; and

disable the use of the payment card when the authentication has expired.