IP Library › Granted Patent US 12,290,337
Granted Patent B2
US 12,290,337 · App. 12/339,054 · Granted May 6, 2025

Payment cards and devices operable to receive point-of-sale actions before point-of-sale and forward actions at point-of-sale

Inventors: Jeffrey David Mullen (Pittsburgh, PA); Bruce Cloutier (Pittsburgh, PA)
Assignee: Dynamics Inc.
A61B5/02042A61B5/02G06F3/0488G06K7/0004G06K7/084G06K7/087G06K7/10297G06K19/06187G06K19/06206G06K19/07G06K19/0702G06K19/0704G06K19/0723G06K19/0725G06K19/07345G06K19/07703G06K19/07705G06K19/07707G06K19/07709G06K19/07749G06K19/0775G06K19/07766G06K19/07769G06K19/07773G06K19/083G06Q20/18G06Q20/20G06Q20/34G06Q20/341G06Q20/3415G06Q20/352G06Q20/385G06Q20/401G06Q30/0222G06Q30/0241G06Q30/0277G06Q30/0641G06T7/62G06V10/24G06V10/25G07F7/0806G07F7/1008G06T2207/10024G06T2207/30004G06V2201/03
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Quick Facts
Patent No.
US 12,290,337
App. No.
12/339,054
Granted
May 6, 2025
Kind
B2
Abstract

A payment card or other device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. A user can utilize buttons located on the card to perform activities that would otherwise be performed at an ATM, payment card reader, or by a waitress. A user can provide instructions on a card to accelerate a transaction. The information a user enters can be communicated to a point-of-sale device. For example, a user can enter into his/her card that the user desires $100 withdrawal from a checking account. The user can also enter his/her PIN into the card. The user can swipe his/her card into an ATM and instantly be provided with the desired $100.

Claims (38)

1. A system comprising:

a portable telephonic device comprising:

an array of interfaces operable to receive manual input; and

a magnetic emulator operable to communicate with a magnetic stripe reader from outside of a reading area of said magnetic stripe reader,

wherein said manual input is indicative of a personal identification code,

said device is operable to communicate a dynamic code to said magnetic stripe reader via said magnetic emulator, and

said magnetic stripe reader is operable to utilize said dynamic code to confirm a user identity.

2. The system of claim 1 , wherein said device further comprises a display.

3. The system of claim 1 , wherein said array of interfaces includes a first, second, third, fourth, and fifth button.

4. The system of claim 1 , wherein said device further comprises an RFID.

5. The system of claim 1 , wherein said device further comprises a processor,

wherein said processor controls circuitry that controls communications from said magnetic emulator.

6. The system of claim 1 , wherein said device further comprises an electromagnetic field detector.

7. The system of claim 1 , wherein said device further comprises a processor and an integrated circuit chip.

8. The system of claim 1 , wherein said device further comprises a source of light.

9. The system of claim 1 , wherein said device further comprises multiple layers of PCB.

10. The system of claim 1 , wherein said device further comprises a battery.

11. The system of claim 1 , wherein said device further comprises a battery,

wherein said array of interfaces is an array of capacitive touch sensors of a display.

12. The system of claim 1 , wherein said device further comprises a battery, a processor, and an integrated circuit chip.

13. The system of claim 1 , wherein said device further comprises a first display and a second display.

14. The system of claim 1 , wherein said device further comprises a second magnetic emulator.

15. The system of claim 1 , wherein said device further comprises a second magnetic emulator and a third magnetic emulator.

16. The system of claim 1 , wherein said device further comprises a first button and a second button, wherein said array of interfaces includes several buttons.

17. The system of claim 1 , wherein said device further comprises a first source of light and a second source of light.

18. The system of claim 1 , wherein said device further comprises a first display, a second display, and a third display.

19. The system of claim 1 , wherein said device further comprises a first display, a second display, a third display, and a fourth display.

20. The system of claim 1 , wherein said array of interfaces includes ten buttons.

21. The system of claim 1 , wherein said device further comprises a first display and a second display, and said array of interfaces includes several buttons.

22. The system of claim 1 , wherein said device includes a plurality of detectors.

23. The system of claim 1 , wherein said magnetic emulator includes a coil.

24. The system of claim 1 , wherein said device includes a light sensor.

25. The system of claim 1 , wherein said device includes a plurality of light sensors.

26. The system of claim 1 , wherein said device further comprises a voltage regulator.

27. The system of claim 1 , wherein said device further comprises a battery and a voltage regulator.

28. The system of claim 1 , further comprising an external power source,

wherein said device further comprises a voltage regulator operable to regulate power of said external power source.

29. The system of claim 1 , wherein said device further comprises a first source of light, a second source of light, and a third source of light.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Dec 19, 2008
From: MULLEN, JEFFREY D; CLOUTIER, BRUCE S
To: DYNAMICS INC.
Reel/Frame 022005/0447 →
Continuity (12)
Provisional Application 61120813 · Dec 8, 2008
Provisional Application 61119366 · Dec 2, 2008
Provisional Application 61117186 · Nov 23, 2008
Provisional Application 61112766 · Nov 9, 2008
Provisional Application 61097401 · Sep 16, 2008
Provisional Application 61090423 · Aug 20, 2008
Provisional Application 61086239 · Aug 5, 2008
Provisional Application 61081003 · Jul 15, 2008
Provisional Application 61027807 · Feb 11, 2008
Provisional Application 61026846 · Feb 7, 2008
Provisional Application 61016491 · Dec 24, 2007
Related Publication 20090159699A1 · Jun 25, 2009
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