WO2002047019A1 - Bande magnetique virtuelle dynamique - Google Patents
Bande magnetique virtuelle dynamique Download PDFInfo
- Publication number
- WO2002047019A1 WO2002047019A1 PCT/US2001/047130 US0147130W WO0247019A1 WO 2002047019 A1 WO2002047019 A1 WO 2002047019A1 US 0147130 W US0147130 W US 0147130W WO 0247019 A1 WO0247019 A1 WO 0247019A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- magnetic
- magnetic pattern
- transaction card
- core element
- reader device
- Prior art date
Links
Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/06187—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with magnetically detectable marking
- G06K19/06206—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with magnetically detectable marking the magnetic marking being emulated
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/06187—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with magnetically detectable marking
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/06187—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with magnetically detectable marking
- G06K19/06196—Constructional details
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
- G06K7/08—Methods or arrangements for sensing record carriers, e.g. for reading patterns by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
- G06K7/082—Methods or arrangements for sensing record carriers, e.g. for reading patterns by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes using inductive or magnetic sensors
- G06K7/083—Methods or arrangements for sensing record carriers, e.g. for reading patterns by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes using inductive or magnetic sensors inductive
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
- G06K7/08—Methods or arrangements for sensing record carriers, e.g. for reading patterns by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
- G06K7/082—Methods or arrangements for sensing record carriers, e.g. for reading patterns by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes using inductive or magnetic sensors
- G06K7/083—Methods or arrangements for sensing record carriers, e.g. for reading patterns by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes using inductive or magnetic sensors inductive
- G06K7/084—Methods or arrangements for sensing record carriers, e.g. for reading patterns by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes using inductive or magnetic sensors inductive sensing magnetic material by relative movement detecting flux changes without altering its magnetised state
Definitions
- the invention relates in general to the presentation of recorded information, and, in particular, to the presentation of recorded information by means of a power efficient dynamic virtual magnetic stripe.
- a recording device typically encodes information in a more or less permanent magnetic pattern on the transaction card.
- the magnetic media of which the magnetic stripe is composed is magnetized in specific spatial patterns. These magnetic spatial patterns are composed of magnetic flux reversals, and are termed magnetic transitions.
- the magnetically encoded information in the magnetic stripe is recognized, read and interpreted by magnetic stripe reading devices. Typically, this is accomplished by swiping the card through a reader.
- Card readers are typically in the form of transaction terminals located, for example, at a merchant's place of business.
- the encoded information is generally intended to be static, that is, the information represented by the magnetic spatial patterns on the magnetic stripe generally do not change even though the card may be read hundreds of times.
- Transaction cards that provide magnetic encoded information for financial, security, identification, and the like purposes are generically described as "transaction cards”.
- Typical transaction cards currently bear magnetically encoded information in a fixed format. This limits the flexibility and usefulness of current transaction cards. It is well recognized that the use of so called smartcards with a magnetic encoding mechanism as transaction cards, would greatly improve the flexibility, capacity, security, utility and other benefits of transaction cards.
- Such self contained smartcard based transaction cards would include embedded logic processors, including microprocessors, ROM, RAM, and other well known electronic components.
- One of the major problems with using smartcard transaction cards is that there is no fully satisfactory self contained power source to provide electrical power to the electrical components over the expected life of a transaction card.
- the Francini ⁇ 601 patent teaches the use of an electromagnetic coil transducer as a magnetic stripe emulator.
- the 601 patent describes the magnetic flux that is associated with the transducer as "varying", but magnetic flux reversal is not disclosed or suggested.
- the electromagnetic coil transducer is disclosed to be grounded.
- a grounded electromagnetic coil is generally not capable of generating magnetic flux reversal, because the polarity can not be reversed unless negative and positive voltage relative to ground is supplied sequentially to the coil.
- the teachings of the ⁇ 601 patent are to the contrary.
- the ⁇ 601 patent does not disclose or suggest the generation of magnetic flux reversal. Most magnetic stripe readers require magnetic flux reversals for their operation, and would require modification to be used with the device taught by the x 601 patent.
- the transducer should only generate one 30 to 100 millisecond long burst of data each second. Following this teaching, for power conservation reasons, there should be almost a full second between signals. This would require the transducer to be held stationary to the reader, because most transaction cards are swiped through the typical reader in less than one second. This would require retraining the legions of retail clerks worldwide who swipe transaction cards every day.
- the x 601 patent does not teach or suggest a device that could be directly substituted for the conventional magnetic stripe card.
- the Hodama V91 patent purports to describe a magnetic stripe simulator, which is described as a card coil.
- the disclosed card coil is composed of wire windings on a high permeability core.
- the 791 patent teaches that it is necessary to use a high permeability core in the card coil. This follows the conventional wisdom that magnetic flux output should be maximized.
- the use of core materials that exhibit high magnetic permeability increases the flux density. Where only a small amount of power is available, as from a very small battery, the conventional wisdom suggests using a core with the highest magnetic permeability possible so the signal will be strong enough for the magnetic reader to detect.
- the use of low permeability core materials is counterintuitive.
- the ⁇ 791 patent considered in its entirety, teaches away from using a card coil with a core that has low permeability, or even less permeability than that of an associated card reader.
- the core materials from which the cores in typical general purpose reader heads are made have magnetic permeabilities of at least approximately 10,000.
- permeability values vary with, inter alia, the frequency, so the values for permability are approximate and taken in context with the application.
- the Burkhardt "283 patent purports to disclose an elongated magnetic field generator in the form of a loop inductor for emulating a prerecorded magnetic stripe.
- the core is highly permeable and a diamagnetic material is provided between the elongated pole pieces of the magnetic circuit for the stated purpose of increasing the field strength outside of the card.
- the flux lines in this device are apparently oriented so they extend perpendicular instead of parallel to the longitudinal axis of the emulated stripe.
- the operation of the disclosed device requires the use of a means that senses the position and rate of movement of the card relative to the reader.
- the Goldberg ⁇ 398 patent purports to disclose a magnetic smartcard including a closed magnetic loop in which an inductor element on one leg of the loop generates a modulated field responsive to signals received from a microprocessor.
- the portion of the closed magnetic loop core that serves to generate the modulated magnetic field for reading by a reader is a combination of ferromagnetic and diamagnetic materials. Bars of ferromagnetic and diamagnetic materials are diagrammatically disclosed to comprise the described combination of materials, and compose this portion of the loop.
- the flux lines in the loop structure are mostly within the core itself except where forced out by the diamagnetic material. The fact that flux lines are almost entirely within the core in a loop structure mandates the use of some expedient such as the disclosed diamagnetic material.
- the magnetic inductor element is not positioned in the magnetic strip area where the reader head interfaces with the card. Since efficiency goes down with distance, the '398 patent requires the use of an expedient, the disclosed combined ferromagnetic and diamagnetic material, to facilitate the escape of magnetic flux from the loop so that the flux may impinge on and activate the reader head. There is no suggestion that the use of such a combined material in the reader zone is unnecessary when the coil is placed within this zone. It is not clear that the disclosed '398 device is operable. There is no indication of how the inductor element senses when to generate and when not to generate a magnetic signal, or that such sensing is necessary.
- a magnetic strip reader generally needs to sense a reversal of magnetic polarity (that is a flux transition) to generate a signal.
- a mere modulation in the magnetization of the ferromagnetic strip material would not generate a flux reversal. There is no indication that such a flux reversal is contemplated by the '398 patent.
- the Cooper '747 patent purports to disclose a credit card wherein a spatial magnetic pattern is created on an elongated magnetic strip by a plurality of fixed in position coils. Each of the coils generates a separate magnetic field when it is activated. The coils are selectively activated in response to previously stored information to provide a pre-defined magnetic pattern. The positions of the selectively actuated coils determine the magnetic pattern that is presented for reading. The magnetic pattern is static in location so long as the respective magnetic fields that define it continue to be generated. The coils are energized for relatively long periods of time so that current drain is substantial. No reader head sensing elements are disclosed or suggested so there is no choice but to turn on the entire array of electromagnetic elements and leave them on until the card is removed from contact with the reader.
- Krause '451 purports to disclose a smart card wherein a transducer is used to temporarily record information in a magnetic pattern on a conventional magnetic stripe.
- a reader head reads the conventional magnetic stripe rather than directly reading the output from the transducer.
- the transducer is disclosed to be in the form of wires or coils, each of which can be addressed independently to provide a desired spatial magnetic pattern immediately adjacent to the magnetic stripe.
- the magnetic pattern is transferred to the conventional magnetic stripe.
- the magnetic pattern is erased or scrambled from the magnetic stripe after each reading so that the magnetic stripe must be re-imprinted with every usage. This is energy intensive, and exceeds the capacity of currently available thin batteries.
- the '451 card could at best be used only a few times. This is not practical for the user. In apparent recognition of this problem, the '451 patent discloses the extraction of power from the magnetic card reader. Card readers are not generally equipped to provide power in this way.
- a preferred embodiment of the transaction card according to the present invention comprises a transaction card in a smartcard format wherein the components of the transaction card and an associated magnetic pattern reader have been constructed and arranged to minimize the consumption of electrical power.
- a transducer is utilized to generate a spatial, wave, or temporal form of a magnetic pattern, and the pattern is read by means of a magnetic pattern reader.
- the magnetic permeability of the transducer is reduced, preferably to a small fraction of that of the reader.
- Readers typically are constructed of materials that exhibit magnetic permeabilities of 10,00 to 40,000 or more, while the core of the transducer can be an air core, which has a magnetic permeability of 1. This tends to force the flux out of the transducer and draw it into the reader.
- the relative permeabilities are measured at the same frequency, and at the magnetic saturations that exist in use as described herein.
- the reader has much more mass so it is typically much less saturated than the small transducer in the transaction card.
- the generation of wave or temporal forms of magnetic patterns are particularly modest in their power requirements.
- Various means can be employed to level the flux density across the transducer, including, for example, asymmetrical positioning of mass in the transducer, and the use of materials with anisotropic flux emitting properties in flux controlling association with the transducer.
- Fig. 1 is a schematic plan view of a preferred embodiment of a transaction card in a smartcard format according to the present invention.
- Fig. 2 is a schematic cross-sectional view of a coil based magnetic transducer in a transaction card readably associated with a magnetic pattern reader.
- Fig. 3 is a representation of the relationship between magnetic flux and an electrical current flowing in an electrical conductor.
- Fig. 4 is a schematic plan view of a magnetic transducer formed by a single wire laid down on a substrate in a series of patterned loops with the magnetic polarity as indicated.
- Fig. 5 is a schematic plan view of a magnetic transducer formed by an array of independently actuatable wires laid down on a substrate in a uniform pattern with the polarity as shown. It should be noted that in Figs. 4 and 5 the arrows identified with the letter “E" indicate the direction of electron flow. Current flows in the opposite direction.
- a transaction card such as a financial, identification, key, personal information, or the like transaction card.
- This transaction card is in a smartcard format with a plurality of operatively connected members embedded within the card.
- a magnetic reading zone 12 indicates where a magnetic pattern generating transducer 18 is located within the structure of transaction card 10.
- Magnetic reader zone 12 is also described as a swipe zone. This has reference to the fact that transaction cards are typically swiped through a reader.
- the electronic components of the transaction card 10 are supplied with electrical power by energy source 14.
- Energy source 14 provides all of the power required to operate the transaction card 10 while it is being read by a magnetic pattern reader such as that shown, for example, at 28 in Fig. 2. No external power is required for the operation of the transaction card 10.
- the energy source 14 can be replenished from an external power source (not shown) if desired. Alternatively, the energy source 14 can be replaced from time to time.
- a sensor array composed, for example, of sensor members 20 and 22 is located generally within the magnetic reader zone 12 at opposite ends of transducer 18.
- the sensor members 20 and 22 in the sensor array sense the presence of a magnetic pattern reader such as that shown, for example, at 28 in Fig. 2.
- This sensed information is transmitted to logic processor 16 where it is processed and action taken according to pre-existing instructions found in logic processor 16.
- Transaction card 10 may be swiped past a reader from either direction so it is desirable to provide for sensing the presence of a reader head at either end of elongated transducer member 18.
- the reader head signals its presence, inter alia, by the point pressure that it exerts on a portion of the reader zone 12.
- the leading sensor that is, the sensor that is alerted first by the reader head, serves to activate the system.
- the trailing sensor serves to deactivate the system.
- the alerted sensor signals the logic processor, and the processor causes a predetermined magnetic pattern to be generated by magnetic transducer 18. This pattern can be generated in several different forms.
- the digital magnetic pattern of magnetic flux reversals can be encoded representing digital "Is" and "0s" will be generated according to the fixed physical pattern of the wire.
- the pattern is read by a magnetic pattern reader such as 28 by moving or swiping the reader relative to the transducer. In this instance, since there is only one wire 36, the magnetic pattern is displayed continuously by the transducer from the time the reader head passes, for example, sensor 20 until it passes sensor 22. The reading of this spatial form of the magnetic pattern consumes more power than necessary. Further, the pattern generated and the information that it represents is invariant.
- the logic processor can control the application of current to selected ones of the current carrying members so as to generate any desired magnetic pattern. Additionally, the pattern can be varied from use to use. Since the reader head signals its presence, for example, by a drop in magnetic impedance when it passes by an area, this signal generated in the electromagnetic circuit in the card, from the reader can be used by the logic processor to determine when to turn on only the current carrying members that are about to be passed by the reader, and to turn off the current carriers that the reader head has already passed. The power drain on the energy source 14 is thus significantly reduced.
- the magnetic pattern appears the same to the reader head as did the pattern generated by the embodiment of Fig. 4.
- the magnetic pattern although it is spatial in nature, moves in a wave with the reader along the transducer, and the only piece of it that exists at a given point in time is that which is in proximity to the reader. The power savings are significant.
- an electromagnetic member such as the coil transducer shown schematically in Fig. 2 can be employed.
- the electromagnetic member of Fig. 2 is comprised of a continuously spiral wound electrical current conductor, adjacent wraps of which are illustrated at 24. Wraps 24 are arrayed or wound on elongated core 26. Because of their thicknesses, transaction cards employ flattened coils that are sometimes applied by lithographic or other techniques that do not require actually winding a wire around a core.
- Elongated core 26 can be a metal, thermoplastic material or even air, if desired.
- the magnetic pattern reader or head 28 is in the general form of a horseshoe electromagnet with the poles indicated at 30 and 32, respectively. For ease of illustration, the coils on the magnet are not shown.
- Reading of the magnetic pattern is accomplished by passing reader 28 immediately adjacent to the pattern generating components of the transducer. Generally, the closer the reader is positioned to the elements that generate the magnetic pattern or signal, the lower the power drain.
- the logic processor causes, for example, a series of pulses of electrical current to be transmitted to the coil to generate a predetermined temporal magnetic pattern across the entire length of the electromagnetic transducer. The polarity is reversed with each pulse so that a pattern of magnetic reversals is generated. The pulses follow one another sequentially. Each pulse appears substantially instantaneously at all points along the transducer.
- the entire magnetic pattern appears pulse by pulse at each point along the transducer, spaced in time but not distance, so this temporal magnetic pattern could be read by a stationary reader at any point along the transducer.
- the magnetic domains are not separated spatially. Transmittal of this temporal form of the entire magnetic pattern preferably takes less than 100 milliseconds, and preferably less than 50 milliseconds. At this rate, the transaction card 10 is likely to remain in readable association with the head 28 long enough to receive the entire magnetic pattern pulse by pulse, no matter how fast the card is swiped through the reader.
- the individual pulses are so short in duration that the reader sees them as though the reader and transducer were stationary relative to one another, even though the head may move relative to the magnetic pattern generator between pulses.
- the rate of movement of the reader relative to the magnetic pattern generator is not constant. This is an advantage as against the typical magnetic strip card, which must be swiped through the reader at a constant rate. So-long as the reader 28 is adjacent to the magnetic pattern generator at some location to receive each pulse, the relative spatial locations are not significant.
- This magnetic pattern is temporal in nature in that it is not fixed in space, and is the same at all locations along the transducer at essentially the same point in time. As previously noted, the pattern is only transmitted once. If the reader 28 sees the same number more than once it will generally generate a read error.
- the reader 28 does not generally accommodate large fluctuations in flux density very well. If it receives one part of a magnetic pattern while it is in a region of high flux density and another part of the pattern in an area of low flux density, it may generate an error. It is inherent in most linear electromagnets that the flux density will be greater at the ends of the generator. It is possible to selectively control the flux density along the length of a pattern generator so as to more or less equalize the flux density to the extent that the reader will not generate an error.
- the grain orientation or other crystal structure of a core or overlying material can be altered in certain areas so as to render those areas magnetically anisotropic.
- the magnetic reading zone 12 and associated transducer are positioned so that the transaction cards of the present invention will remain compatible with the existing infrastructure of magnetic stripe readers. These existing readers will still be able to read transaction cards constructed according to the present invention.
- the transducers can take various forms. Those illustrated are intended to be exemplary but not exhaustive of the possible transducers that are suitable for use according to the present invention.
- loop electromagnetic members are well known in the art. See, for example, Goldberg '398, discussed above.
- the electromagnetic element (the magnetic generator) that produces the magnetic pattern should be as close to the reader as possible so that the magnetic pattern is transmitted directly from the generator to the head of the reader. This transmission is considered to be direct despite intervening flux adjusters or protective overlays.
- at least part, and preferably all, of the magnetic generator should be positioned within the magnetic reading zone.
- Portions of the transducer can extend outside of the magnetic reading zone, so long as the electromagnetic element that generates the magnetic pattern is positioned closely adjacent to the reader.
- a transaction card can include several electromagnetic elements corresponding to the several tracks that are found in conventional magnetic stripes.
- logic processor broadly includes all of the processing components that are required to control the operation of the system as described herein. Such components, their assembly and use are well known in the art, and will not be described in detail here. The components are logically connected to the logic processor, and electrically connected to the energy source. Various materials and techniques for making printed circuit boards are well known and will not be repeated here.
- the energy source can be any source of electrical current. Fixed and removable primary and secondary batteries are contemplated, as are solar cells, tritium based cells, and the like. For ease of use, it is necessary that the energy source function without external energy input for at least 50, and preferably 500 or more uses before energy replenishment is necessary. Where a transaction card is only used once a week, for example, to open a seldom opened door, a low number of uses between charging cycles would not be a serious drawback. A day of shopping with a typical credit card can easily require more than 20 unaided uses. A transaction card that requires frequent recharging would be unattractive to many users. The minimization of power consumption is essential to the use of smartcard form transaction cards.
- a significant feature of the present invention is the proportioning of the magnetic permeability between the magnetic head of the magnetic pattern reader and the electromagnetic element that generates the magnetic pattern.
- the head draws the magnetic flux that makes up the pattern out of the transaction card. Flux levels that are too low to read by an order of magnitude or so can be read by substantially lowering the magnetic permeability of the electromagnetic element. This is counterintuitive because lowering the magnetic permeability of the electromagnetic generator reduces the flux output.
- the use of an air core with a magnetic permeability of one as against a magnetic pattern reader with a magnetic permeability of 10,000 or more allows very faint magnetic patterns to be read.
- the magnetic permeability of the reader should be at least one and one half times, and preferably at least two times, and more preferably at least five times or more that of the magnetic pattern generator. Significantly less power is used in generating faint magnetic patterns, thus substantially prolonging the life of the energy source. Also, low permeability cores require less energy to saturate as compared with high permeability cores.
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- Credit Cards Or The Like (AREA)
- Recording Or Reproducing By Magnetic Means (AREA)
Abstract
Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
AU2002227297A AU2002227297A1 (en) | 2000-12-08 | 2001-12-07 | Dynamic virtual magnetic stripe |
US10/433,018 US20040035942A1 (en) | 2001-12-07 | 2001-12-07 | Dynamic virtual magnetic stripe |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US25184600P | 2000-12-08 | 2000-12-08 | |
US60/251,846 | 2000-12-08 |
Publications (1)
Publication Number | Publication Date |
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WO2002047019A1 true WO2002047019A1 (fr) | 2002-06-13 |
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ID=22953649
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US2001/047130 WO2002047019A1 (fr) | 2000-12-08 | 2001-12-07 | Bande magnetique virtuelle dynamique |
Country Status (2)
Country | Link |
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AU (1) | AU2002227297A1 (fr) |
WO (1) | WO2002047019A1 (fr) |
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