System and method enabling mobile near-field communication to update display on a payment card
Disclosed are a system and methods enabling updating of a card number of a payment card and thereby reissuing the payment card utilizing a reissue application associated with the payment card. The reissue application, when executed communicates with a service provider that manages the payment card. The payment card includes processing circuitry and a rewriteable visual display. Using cryptographic techniques, the reissue application and payment card are authenticated to the service provider. Upon verification, an updated card number is obtained and provided via near-field communication to the payment card. In response to the update payment card number received from the reissue application, the rewriteable visual display on the payment card is updated with the updated card number. Other information may also be presented on the rewriteable visual display of the payment card based on user preferences.
1. A method, comprising:
emitting, by a near-field communication device of a payment card, an authentication signal for receipt by a near-field communication device of a mobile device, wherein the emitted authentication signal:
includes a payment card number currently displayed on a visual display of the payment card,
is emitted after the payment card is introduced into any portion of a nearfield communication electric field surrounding the mobile device, and
is approval of a request to change the payment card number currently displayed on the visual display of the payment card;
receiving, while the payment card remains within any portion of the near-field communication electric field surrounding the mobile device, by a near-field communication device of the payment card, an updated payment card number signal, wherein the updated payment card number signal contains an updated payment card number; and
in response to receiving the updated payment card number signal, replacing the payment card number currently displayed on the visual display of the payment card with an updated payment card number.
2. The method of claim 1 , further comprising:
storing, in a memory device on the payment card, an indication that a payment card number encoded on a magnetic strip of the payment card is invalid and unusable.
3. The method of claim 1 , further comprising:
in response to receiving the updated payment card number signal by the near-field communication device of the payment card, generating a display drive signal for driving the visual display of the payment card to change the payment card number currently displayed to display the updated payment card number.
4. The method of claim 1 , further comprising:
receiving an account status signal from the near-field communication device of the mobile device; and
modifying, in response to the account status signal, the visual display of the payment card to present at least one of: a payment card account balance, a most recent transaction amount, an annual percentage rate of account, a rewards points balance, a payment due date, a location-based discount, or a location-based reward.
5. The method of claim 1 , further comprising:
rewriting a rewriteable magnetic strip of the payment card with the updated card number.
6. A non-transitory computer readable medium storing programming code storing programming code when executed is operable to cause a processor of a smart payment device to perform functions, including functions to:
emit, by a near-field communication device of a payment card, an authentication signal for receipt by a near-field communication device of a mobile device, wherein the emitted authentication signal:
includes a payment card number currently displayed on a visual display of the payment card,
is emitted after the payment card is introduced into any portion of a near-field communication electric field surrounding the mobile device, and
is approval of a request to change the payment card number currently displayed on the visual display of the payment card;
receive, while the payment card remains within any portion of the near-field communication electric field surrounding the mobile device, by a near-field communication device of the payment card, an updated payment card number signal, wherein the updated payment card number signal contains an updated card number; and
in response to receiving the updated payment card number signal, replace the payment card number currently displayed on the visual display of the payment card with an updated payment card number.
7. The non-transitory computer readable medium of claim 6 , wherein the programming code when executed is operable to cause a processor of a smart payment device to perform further functions, including further functions to:
store, in a memory device on the payment card, an indication that a payment card number encoded on a magnetic strip of the payment card is invalid and unusable.
8. The non-transitory computer readable medium of claim 6 , wherein the programming code when executed is operable to cause a processor of a smart payment device to perform further functions, including further functions to:
in response to receiving the updated payment card number signal by the near-field communication device of the payment card, generate a display drive signal for driving the visual display of the payment card to change the payment card number currently displayed to display the updated payment card number.
9. The non-transitory computer readable medium of claim 6 , wherein the programming code when executed is operable to cause a processor of a smart payment device to perform further functions, including further functions to:
receive an account status signal from the near-field communication device of the mobile device; and
modify, in response to the account status signal, the visual display of the payment card to present at least one of: a payment card account balance, a most recent transaction amount, an annual percentage rate of account, a rewards points balance, a payment due date, a location-based discount, or a location-based reward.
10. The non-transitory computer readable medium of claim 6 , wherein the programming code when executed is operable to cause a processor of a smart payment device to perform further functions, including further functions to:
rewrite a rewriteable magnetic strip of the payment card with the updated payment card number.
11. A device, comprising:
a processor;
a memory operable to store programming code;
a near-field communication device operable to emit signals under control of the processor;
a visual display operable to present a payment card number under control of the processor;
an application stored in the memory and executable by the processor, the application operable to perform functions, including functions to:
emit, via the near-field communication device, an authentication signal, wherein the emitted authentication signal:
includes a currently-displayed payment card number on a visual display of the payment card,
is emitted after the payment card is introduced into a portion of a near-field communication electric field surrounding a mobile device, and
is approval of a request to change the currently-displayed payment card number on the visual display of the payment card;
receive, while detecting the portion of a near-field communication electric field surrounding the mobile device, by a near-field communication device of the payment card, an updated payment card number signal, wherein the updated payment card number signal contains an updated payment card number; and
replace the payment card number currently displayed on the visual display with an updated payment card number.
12. The device of claim 11 , further comprising:
a magnetic strip encoded with a payment card number; and
wherein the processor is further operable to:
store, in the memory, an indication that the payment card number encoded on the magnetic strip is invalid and unusable.
13. The device of claim 11 , further comprising:
a rewriteable magnetic strip encoded with a payment card number; and
wherein the processor is further operable to:
rewrite the rewriteable magnetic strip with the updated payment card number.
14. The device of claim 11 , wherein the processor is further operable to:
in response to receiving the updated payment card number signal via the near-field communication device, generate a display drive signal for driving the visual display to change the payment card number currently displayed to display the updated payment card number.
15. The device of claim 11 , wherein the processor is further operable to:
receive an account status signal from the near-field communication device of the mobile device; and
modify, in response to the account status signal, the visual display to present at least one of:
a payment card account balance, a most recent transaction amount, an annual percentage rate of account, a rewards points balance, a payment due date, a location-based discount, or a location-based reward.
16. The device of claim 11 , further comprising:
a near-field communication compatible antenna;
an energy harvesting component coupled to the antenna, wherein the energy harvesting component is operable to harvest energy from a voltage induced in the antenna.
17. The device of claim 16 , further comprising:
a power management unit coupled to the energy harvesting component;
an energy storage coupled to the power management unit and a display driver of the visual display, wherein:
the energy storage is operable to store the harvested energy and supply electrical power to the display driver, and
the display driver is operable to supply the electrical power to the visual display to enable presentation of an updated payment card number.
18. The device of claim 17 , wherein the energy harvesting component further comprises a battery, a capacitor, or a supercapacitor.
19. The device of claim 17 , further comprising:
a matching circuit coupled to the antenna, wherein the matching circuit is operable to produce a maximum inductance based on being matched to an incoming magnetic field.
20. The device of claim 19 , further comprising:
an inductive-capacitive filter coupled to the matching circuit, wherein the inductive-capacitive filter is operable to remove high-frequency components from a signal received via the antenna.