Light-powered smart card for on-line transaction processing
View Patent ↗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).
1. A method for automated card information exchange pursuant to a commercial transaction, comprising:
activating a card used to complete the commercial transaction using a light source;
transmitting card information associated with the card to a terminal associated with the commercial transaction;
receiving a source verification code (SVC) via an imager positioned on the card, the SVC being generated based on the card information;
generating a card validation code (CVC) on the card using the SVC;
generating a user validation code (UVC) pertaining to a validation of a user, the UVC code being generated based on a biometric reading taken via a biometric reader positioned on the card;
communicating the SVC, the CVC, and the UVC to a transaction validator via a website; and
validating the commercial transaction based on the SVC, the CVC, and the UVC.
2. The method of claim 1 , the activating comprising:
aligning the card with the terminal pursuant to the commercial transaction; and
activating power on the card in response to the aligning, prior to the displaying.
3. The method of claim 1 , further comprising receiving the SVC, the CVC and the UVC via a website.
4. The method of claim 1 , the SVC being generated based upon historical transactional data associated with the card.
5. The method of claim 1 , the card being at least one of the following: a credit card, a debit card, or a smart card.
6. The method of claim 1 , the validating occurring on the card.
7. The method of claim 1 , the validating occurring on a server associated with the terminal.
8. A card for automated card information exchange pursuant to a commercial transaction, comprising:
an energy component for providing power to the card;
an imager for receiving a source verification code (SVC) from a terminal associated with the commercial transaction, the SVC being generated based on the card information;
card validation code (CVC) logic for generating a CVC based on SVC;
a biometric reader for taking a biometric reading from a user of the card; and
user validation code (UVC) logic for generating a UVC based on the biometric reading.
9. The card of claim 8 , further comprising validation logic for generating a validation result based on the SVC, the CVC, and the UVC.
10. The card of claim 9 , the CVC logic, the UVC logic, and the validation logic being enabled by an integrated circuit.
11. The card of claim 8 , the energy component comprising a solar panel cell.
12. The card of claim 8 , the energy component comprising a photon-to-electric energy converter.
13. The card of claim 8 , the SVC being generated based upon historical transactional data associated with the card and the card information displayed via the first display.
14. The card of claim 8 , the card being at least one of the following: a credit card, a debit card, or a smart card.
15. A card for automated card information exchange pursuant to a commercial transaction, comprising:
an energy component for providing power to the card;
an imager for receiving a source verification code (SVC) from a terminal associated with the commercial transaction, the SVC being generated based on card information;
card validation code (CVC) logic for generating a CVC based on SVC;
a biometric reader for taking a biometric reading from a user of the card;
user validation code (UVC) logic for generating a UVC based on the biometric reading; and
validation logic for generating a validation result based on the SVC, the CVC, and the UVC.
16. The card of claim 15 , CVC logic, the UVC logic, and the validation logic being enabled by an integrated circuit.
17. The card of claim 15 , the energy component comprising at least one of a solar panel cell, or a photon-to-electric energy converter.
18. The card of claim 15 , the card being at least one of the following: a credit card, a debit card, or a smart card.
19. A method for automated card information exchange pursuant to a commercial transaction, comprising:
activating a card used to complete the commercial transaction using a light source;
transmitting card information associated with the card to a terminal associated with the commercial transaction;
receiving a source verification code (SVC) via an imager positioned on the card, the SVC being generated based on the card information;
generating a card validation code (CVC) on the card using the SVC; and
communicating the VC and the SVS via a website to a transaction validator; and
validating the commercial transaction based on the SVC and the CVC via the transaction validator.
20. The method of claim 1 , further comprising:
generating a user validation code (UVC) pertaining to a validation of a user, the UVC code being generated based on a biometric reading taken via a biometric reader positioned on the card;
the communicating further comprising communicating the UVC via the website, and the validating being further based on the UVC.