Aspects of the invention relate to a smart check that includes an OLED display. The smart check may store data associated with multiple purchasing instruments and utilize the OLED display to present sensitive data associated with a user selected purchasing instrument. In response to the selection, the smart check may transmit sensitive data associated with the selected purchasing instrument. The smart check may receive power when it is inserted into a card reader. Inserting the smart check into the card reader may launch an application stored on the smart check. The smart check may store a value. The value may be converted into a currency associated with a location of the smart check.

The present invention relates to a multi card generation method, a multi card use method and a multi card system. The present invention relates to a multi card in which at least one piece of card information is issued in one multi card having an IC chip, and one of such a plurality of cards is selected and used as a main card.

A radio IC device includes an electromagnetic coupling module includes a radio IC chip arranged to process transmitted and received signals and a feed circuit board including an inductance element. The feed circuit board includes an external electrode electromagnetically coupled to the feed circuit, and the external electrode is electrically connected to a shielding case or a wiring cable. The shielding case or the wiring cable functions as a radiation plate. The radio IC chip is operated by a signal received by the shielding case or the wiring, and the answer signal from the radio IC chip is radiated from the shielding case or the wiring cable to the outside. A metal component functions as the radiation plate, and the metal component may be a ground electrode disposed on the printed wiring board.

Universal cards are used in place of all the other traditional cards which a person may want to carry. The universal card can include a short range communications transceiver to communicate with a mobile device. The mobile device can include a user interface and an e-wallet application so that the user can interface with the e-wallet application for programming the universal card via the short range communication link. Once programmed, the universal card emulates a function of a traditional card.

A payment card (e.g., credit and/or debit card) or other device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. Gift cards may be inputted by a user into such a payment card or other device such that a user can combine gift cards. Similarly, a user be provided with a global payment account that can be utilized in multiple countries that have different standards for formatting data. A user may be provided with a default country (e.g., United States) but may have a way to select that the user is in a different country (e.g., Japan). Accordingly, a user may select that a Japanese data structure be transmitted through a magnetic stripe reader when the user is in Japan.

Disclosed are a magnetic bar code chip and a reading method thereof. The magnetic bar code chip comprises binary information bits formed by N rows and M columns of permanent magnet bars and/or null bits, and information identification bits that are peripheral to the binary information bits. The information identification bits are composed of permanent magnet bar identifiers and used for representing a position and a state of the magnetic bar code chip. The permanent magnet bars and the null bits represent 1 and 0 or 0 and 1 respectively. During reading, a strong magnetic field in a row direction of the binary information bits of the magnetic bar code chip is firstly used to set a magnetization direction of the permanent magnet bars, and then a magnetic bar code reader such as a multi-channel magnetic field gradient sensor, a magneto-optical microscope, a magnetic field monitor, a scanning magnetoresistivemicroscope and the like is used to convert magnetic field distribution information generated by the permanent magnet bars on the magnetic bar code chip into the binary information bits and information identification bits respectively, thus implementing reading on a reading result of the magnetic bar code chip. The present invention has characteristics of a small size and strong security.

An RFID enabled metal transaction card comprising (i) a transponder chip module (TCM) having a RF payment chip (IC) and a module antenna (MA), (ii) a coupling frame (CF) in the form of a metal card body (MCB) having an electrical discontinuity comprising a slit (S, S.sub.CF) and (iii) a discontinuous metal frame (DMF) assembled to the metal card body (MCB) in a peripheral area thereof and having a slit (S, S.sub.DMF). The discontinuous metal frame (DMF) is electrically isolated from the metal card body (MCB) and may be coated with an insulating medium. The DMF camouflages the slit in the metal card body and mechanically stabilizes the structure of the card body, especially during insertion in an automatic teller machine (ATM) or point of sale (POS) terminal.

Systems, methods and apparatus are provided for light-based authentication of a payment card. The payment card may include a randomized mix of materials. The materials may include transparent or translucent materials. A light source may shine light on a surface of the payment card. Light passing through the card may generate a light pattern that is unique to the payment card. The light pattern may be captured and compared to a reference light pattern to authenticate the payment card. In some embodiments, photodetectors may detect light patterns generated through interactions with the card materials.

A transaction card construction and a method for making transaction cards provides increased security for transaction card magnetic strips. The transaction card construct on includes a card inlay and a clear card body. The card inlay is formed via a lamination press process with the magnetic strip attached to a back surface of the card inlay. The card body may have a window through which a data storage element may be exposed for accessing, such as by a magnetic stripe reader or EMV chip reader. The card body may be formed by adhering the card inlay to the clear card body.

This disclosure is directed to an electronic identification card or electronic card having various features. The electronic card may include an integrated circuit and a contact plate for electrically interfacing with the integrated circuit. The contact plate may include an array of terminal electrodes that are offset with respect to the edges of the contact plate. The electronic card may be coated with a coating layer that extends at least partially over a ferromagnetic element or film. The electronic card may also include a metal substrate having exposed chamfer portions that may provide a visual contrast to the coating layer and also improve the handling and use of the electronic card.