Programming and test modes for powered cards and devices

Abstract

Programming fixtures are provided that program devices, such as payment cards, with data, such as personal data, using light transmitters and receivers. A code sequence may be entered into the devices to transition the devices into one of several test modes. Pressing a button may cause diagnostic data to be communicated by the device. Pressing another button may cause default data to be communicated by the device. A personalization test module may capture the diagnostic data and/or default data to document and/or verify operation of the device.

Claims

1. A system comprising; a card including, a diagnostic meter, default data, and first and second buttons; and a test fixture, wherein said test fixture receives diagnostic data generated by said diagnostic meter based on a signal from said first button and said test fixture receives said default data based on a signal from said second button.

2. A method comprising; providing first manual input to generate a first signal in a device, a processor of said device operable to communicate first data to a reader device to complete a purchase transaction based on said first signal; and providing second manual input to generate a second signal in said device, said processor operable to communicate second data to said reader device to provide diagnostic data associated with said device on said second signal.

3. A device comprising: a first button; a second button; and a reader communications device, wherein said reader communications device is operable to communicate payment information based on a signal from said first button and said reader communications device is operable to communicate test information based on a signal from said second button.

4. The device of claim 3, wherein said device is an e-reader.

5. The device of claim 3, wherein said device is an electronic tablet.

6. The device of claim 3, wherein said device is a mobile cellular phone.

7. The device of claim 3, wherein said device is a powered card.

8. The device of claim 3, wherein said reader communications device is a dynamic magnetic stripe communications device.

9. The device of claim 3, wherein said reader communications device is an EMV chip.

10. The device of claim 3, wherein said reader communications device is an RFID.

11. The device of claim 3, wherein said reader communications device is an IR device.

Description

BRIEF DESCRIPTION OF THE DRAWINGS

(1) The principles and advantages of the present invention can be more clearly understood from the following detailed description considered in conjunction with the following drawings, in which the same reference numerals denote the same structural elements throughout, and in which:

(2) FIG. 1 is an illustration of cards constructed in accordance with the principles of the present invention;

(3) FIG. 2 is an illustration of a personalization system constructed in accordance with the principles of the present invention;

(4) FIG. 3 is an illustration of a mode transition flow diagram constructed in accordance with the principles of the present invention;

(5) FIG. 4 is an illustration of a personalization system constructed in accordance with the principles of the present invention;

(6) FIG. 5 is an illustration of a personalization system constructed in accordance with the principles of the present invention;

(7) FIG. 6 is an illustration of a device constructed in accordance with the principles of the present invention; and

(8) FIG. 7 is an illustration of process flow charts constructed in accordance with the principles of the present invention.

DETAILED DESCRIPTION OF THE INVENTION

(9) FIG. 1 shows card 100 that may include, for example, a dynamic number that may be entirely, or partially, displayed via display 112. A dynamic number may include a permanent portion such as, for example, permanent portion 111. Permanent portion 111 may be printed as well as embossed or laser etched on card 100. Multiple displays may be provided on a card. For example, display 113 may be utilized to display a dynamic code such as a dynamic security code. Display 125 may also be provided to display logos, barcodes, as well as multiple lines of information. A display may be a bi-stable display or non bi-stable display. Permanent information 120 may also be included and may include information such as information specific to a user (e.g., a user's name or username) or information specific to a card (e.g., a card issue date, a card expiration date, or a card serial number).

(10) Card 100 may include one or more buttons such as buttons 130-134. Such buttons may be mechanical buttons, capacitive buttons, or a combination of mechanical and capacitive buttons. Card 100 may include buttons 198 and 199. Buttons 198 and/or 199 may be used, for example, to place a processor of card 100 into a mode (e.g., a mode used to receive programming of a user's personal payment card data or a mode used to provide diagnostic data from the card). A button (e.g., buttons 198 and/or 199) may be utilized in a variety of ways (e.g., to communicate information through a dynamic magnetic stripe communications device indicative of a user's intent to purchase a particular product with points instead of credit).

(11) Test processor 102 may receive signals from buttons 198 and/or 199 and may be construed by test processor 102 as signals indicative of a particular test mode. Indicia associated with a selected test mode may be communicated through visible feedback (e.g., LEDs 196 and 197), audible feedback, or tactile feedback. Accordingly, for example, a user of card 100 may place test processor 102 into a particular test mode of operation via manual input (e.g., via buttons 198 and 199) and test processor 102 may acknowledge the selected test mode by providing feedback associated with the selected test mode.

(12) Persons skilled in the art will appreciate that a physical payment card may be provided as a virtual payment card on a display of any device, such as a mobile telephonic device or personal computing device. A button on a physical payment card may be a button on any device, such as a mobile telephonic device or personal computing device. Accordingly, for example, a device (e.g., a cell phone) may receive manual input from a manual user interface (e.g., a virtual button on a capacitive touch screen) and communicate information indicative of the selection (e.g., a selection of a diagnostic feature) to another device (e.g., a test module of a personalization machine) via a communications device (e.g., an RF-based communications device).

(13) Architecture 150 may be utilized with any card. Architecture 150 may include processor 120. Processor 120 may have on-board memory for storing information (e.g., application code to define test modes for a card). Any number of components may communicate to processor 120 and/or receive communications from processor 120. For example, one or more displays (e.g., display 140) may be coupled to processor 120. Persons skilled in the art will appreciate that components may be placed between particular components and processor 120. For example, a display driver circuit may be coupled between display 140 and processor 120.

(14) Memory 142 may be coupled to processor 120. Memory 142 may include data that is unique to a particular card. For example, memory 142 may store discretionary data codes associated with buttons of a card (e.g., card 100 of FIG. 1). Such codes may be recognized by remote servers to effect particular actions. For example, a code may be stored on memory 142 that causes a non-merchant product to be purchased with points during a merchant transaction.

(15) Memory 142 may be partially implemented as non-volatile memory. Accordingly, memory 142 may be programmed with, for example, a programming protocol that may define how data (e.g. IR data) may be received by data input 153 and how data (e.g., IR data) may be transmitted by data output 154.

(16) Memory 142 may receive data as received from data input 153 (e.g., an IR receiver). For example, data may be received by memory 142 that may be indicative of a universal identification number (e.g., a serial number) associated with a card (e.g., card 100 of FIG. 1). Such a universal identification number may, for example, uniquely identify a card (e.g., card 100 of FIG. 1). Memory 142 may receive data via data input 153 that may represent a security code that may be associated with the universal identification number of a card (e.g., card 100 of FIG. 1).

(17) Memory 142 may provide data, such as a universal identification number (e.g., a serial number) associated with a card (e.g., card 100 of FIG. 1), to data output 154. Accordingly, data output 154 (e.g., an IR transmitter) may transmit such a universal identification number to, for example, a personalization machine. The personalization machine may relay the universal identification number to an entity (e.g., a remote server), which in turn, may respond with personalization data that may be associated with the universal identification number of a card (e.g., card 100 of FIG. 1).

(18) Memory 142 may receive data from data input 153 (e.g., an IR receiver) that may be associated with a universal identification number of a card (e.g., card 100 of FIG. 1). For example, one or more account numbers, user names, discretionary data, and expiration dates may be stored within memory 142. Such data may be provided by a card (e.g., card 100 of FIG. 1), for example, as one or more tracks of magnetic stripe data during a transaction (e.g., a purchase transaction).

(19) Processor 120 may operate in a mode as may be defined by application code in memory 142. One or more meters 171 may, for example, gather diagnostic information associated with a card (e.g., card 100 of FIG. 1), such as a magnitude of voltage generated by battery 143, a temperature of a card (e.g., card 100 of FIG. 1), or a number of times a card (e.g., card 100 of FIG. 1) may have been swiped through a magnetic stripe reader. Processor 120 may provide the diagnostic information within one or more tracks of magnetic stripe information to a test module of a personalization machine.

(20) Any number of reader communication devices may be included in architecture 150. For example, IC chip 152 may be included to communicate information to an IC chip reader. IC chip 152 may be, for example, an EMV chip. As per another example, RFID 151 may be included to communicate information to an RFID reader. A magnetic stripe communications device may also be included to communicate information to a magnetic stripe reader. Such a magnetic stripe communications device may provide electromagnetic signals to a magnetic stripe reader.

(21) Different electromagnetic signals may be communicated to a magnetic stripe reader to provide different tracks of data. For example, electromagnetic field generators 170, 180, and 185 may be included to communicate separate tracks of information to a magnetic stripe reader. Such electromagnetic field generators may include a coil wrapped around one or more materials (e.g., a magnetic material and/or a non-magnetic material).

(22) Each electromagnetic field generator may communicate information serially to a receiver of a magnetic stripe reader for a particular magnetic stripe track. Read-head detector 172 may be utilized to sense the presence of a magnetic stripe reader (e.g., a read-head housing of a magnetic stripe reader). The sensed information may be communicated to processor 120 to cause processor 120 to communicate information serially from electromagnetic generators 170, 180, and 185 to magnetic stripe track receivers in a read-head housing of a magnetic stripe reader. Accordingly, a magnetic stripe communications device may change the information communicated to a magnetic stripe reader at any time.

(23) Processor 120 may, for example, communicate user-specific information and card-specific information (e.g., diagnostic data, default data, and any other type of data associated with card 100 of FIG. 1) through RFID 151, IC chip 152 (e.g., EMV chip 152), data output (e.g., IR data output 154), data input (e.g., IR data input 153) and electromagnetic generators 170, 180, and 185 to readers coupled to information processing servers (e.g., a test module of a personalization machine). Driving circuitry 141 may be utilized by processor 120, for example, to control electromagnetic generators 170, 180, and 185.

(24) FIG. 2 shows card 210 that may include memory 213 (e.g., for storing application code, personal data, and test routines), transmitter 211, processor 214, and infrared receiver 212. Persons skilled in the art will appreciate that card 210 may include, for example, an infrared receiver and a LED capable of emitting visible light to perform communications with a programming and test fixture. Such a light-emitting-diode may, alternatively for example, be capable of emitting infrared light. A receiver may be, for example, an infrared sensitive photo-transistor or an LED.

(25) Programming and test fixture 220 may be coupled to receiver 221 and transmitter 222. Receiver 221 may be coupled to IR transmitter 211 and transmitter 222 may be coupled to IR receiver 212. Accordingly, personalization data retrieved from an entity (e.g., personalization database 230) may be programmed into memory 213 of card 210.

(26) Test routines retrieved from an entity (e.g., test module 223) may be used to exercise processor 214 and memory 213 of card 210 via the IR interface of programming and test fixture 220. Accordingly, for example, test diagnostic data, test default data, and any other type of test data may be transmitted by IR transmitter 211 to IR receiver 221. In so doing, for example, testing of card 210 may be monitored by test module 223 and results of such testing may be stored within test results database 224.

(27) Personalization database 230 may be utilized, for example, to retrieve personal information for a card (e.g., a customer's name, security code, credit card number, expiration date, and associated discretionary data). This information may be stored on memory 213 of card 210 and utilized by processor 214 to communicate this information through an output device operable to be read by a reader (e.g., an exposed IC chip, RFID, or dynamic magnetic stripe communications device).

(28) FIG. 3 shows mode transition flow diagram 300. Mode 302 represents a state of a card or device at one of several stages of construction, where a card or device may contain multiple printed circuit boards and other components and assemblies that may perform particular functions. In manufacturing multiple boards dedicated to particular functions, functionality and reliability of each board may be verified separately before completing the assembly. Once verified, one or more of the circuit boards may be mechanically and/or electrically coupled together via, for example, epoxy or conductive tape to form, for example, an electronics package. Such an electronics package may also include a dynamic magnetic communications device. The electronics package may then be laminated to form a final card or device assembly. Such a lamination may occur, for example, in an injection molding process (e.g., a reaction injection molding process). A laminated card or device may contain top and bottom layers that may, for example, be comprised of a silicon-based material or a polyurethane-based material and a middle layer that may contain one or more electronics packages.

(29) A memory of the card or device may contain executable application code (e.g., firmware) that may have been downloaded into a memory of the card or device or into a memory of a processor of a card or device. A processor of the card or device may be executing the application code and may be in idle mode 302 waiting for external input that may cause the processor to execute transition 312 to place the card or device into personalization mode 304.

(30) Transition 312 may, for example, be caused by manual input to the card or device (e.g., one or more buttons may be pressed in a particular sequence). Transition 312 may, for example, be indicated by feedback (e.g., an LED on a card may blink twice quickly) to inform a user of the card or device that a processor of the card or device has entered personalization mode 304.

(31) In personalization mode 304, a card or device may undergo multiple stages of personalization and as a result, may be subjected to one or more modules of a personalization machine. During personalization mode 304, for example, a card holder's personal data and/or card data may be placed on the exterior of the card or device (e.g., printed, embossed, or laser etched) as well as programmed into a memory of the card or device.

(32) A card or device may, for example, be placed into a programming module of a personalization machine, whereby input and/or output capabilities of a card or device (e.g., an IR transceiver) may interface with the programming module of the personalization machine. For example, an IR transceiver of the card or device may detect a presence of the programming module of the personalization machine and a processor of the card or device may execute transition 322 to place the card or device into program mode 306. Accordingly, for example, a cardholder's personal data may be downloaded into a memory of the card or device (e.g., via IR data transfer) in program mode 306. Once programmed, a processor of the card or device may transition to operational mode 308 where the card or device may be used in normal operations (e.g., used at a point of sale device to complete purchase transactions).

(33) Prior to programming and while in personalization mode 304, manual input (e.g., one or more buttons of the card or device pressed in a particular sequence) may, for example, cause a processor of a card or device to execute transition 316. Accordingly, for example, a processor of the card or device may transition into test mode 310 via transition 316. Transition 316 may, for example, be indicated by feedback (e.g., all LEDs on a card may blink once) to inform a user of the card or device that a processor of the card or device has entered test mode 310.

(34) In test mode 310, a card or device may be tested to evaluate a performance level of the card or device, where a processor of the card or device either communicates default data or communicates diagnostic data depending upon manual input received while in test mode 310. Default data may, for example, reside in a memory of the card or device and may be retrieved by a processor and communicated as default data by the processor. Diagnostic data may, for example, be generated and communicated by a processor of the card or device and may reflect certain physical parameters associated with the card or device (e.g., version and revision numbers of application code being executed by a processor of the card or device, a unique serial number that identifies the card or device, a date stamp identifying when application code was downloaded into the card or device). Diagnostic data may, for example, be real-time data sampled from meters of the card or device (e.g., voltage, temperature, and swipe count meters) and communicated by a processor of the card or device to reflect an operational status of the card or device (e.g., whether a voltage level produced by a battery of the card or device is approaching a minimally acceptable voltage magnitude).

(35) Manual input (e.g., one or more buttons of the card or device pressed in a particular sequence) while a processor of a card or device is in test mode 310 may, for example, cause the processor to transition to diagnostic mode 324. In diagnostic mode 324, for example, a processor of a card or device may sample diagnostic information (e.g., battery voltage level and temperature) from meters contained within the card or device. A processor of the card or device may communicate the diagnostic information to a module of a personalization machine (e.g., the processor may generate a magnetic stripe message containing the diagnostic data and an operator may swipe the card through a magnetic stripe reader of the personalization machine to communicate the diagnostic information to the personalization machine). Accordingly, for example, a card or device may be tested in diagnostic mode 324 over a period of time (e.g., 2-3 days) to determine a rate at which certain parameters (e.g., a magnitude of voltage generated by a battery of the card or device) may be changing. In so doing, for example, a personalization operator may evaluate the integrity of the card or device based upon an understanding of the diagnostic data received from the card or device over time.

(36) Manual input (e.g., a different button press than was used to enter diagnostic mode 324) while a processor of a card or device is in test mode 310 may, for example, cause the processor to transition to default mode 326. In default mode 326, for example, a processor of a card or device may collect default data (e.g., data contained within a memory of the card or device) and the processor may communicate the default data to a test module of a personalization machine (e.g., the processor may generate a magnetic stripe message containing the default data and an operator may swipe the card through a magnetic stripe reader of the personalization machine to communicate the default data to the personalization machine). Accordingly, for example, an operator may confirm that the card or device is operational based upon a verification that the default data received from the card or device matches a data set that should have been received from the card or device.

(37) An operator of a personalization machine may confirm proper operation of a card or device while cycling a processor of the card or device through one or more cycles of test mode 310, diagnostic mode 324, and default mode 326. Manual input (e.g., one or more buttons of a card or device pressed in a particular sequence) may, for example, cause a processor of a card or device to execute transition 314 to transition to personalization mode 304 from test mode 310 once verification tests of the card or device are completed. Feedback indicia (e.g., one or more LEDs of a card flashing at different rates or flashing with different colors) may indicate that a processor of a card or device is operating in personalization mode 304. Subsequent manual input (e.g., pressing a single button) may cause a processor of the card or device to transition into program mode 306 where a programming interface of a card or device (e.g., an IR transceiver) may wait to receive personalization data from a programming device (e.g., an IR transceiver of a personalization machine).

(38) Personalization data (e.g., account number, account holder name, discretionary data, and expiration date) may be programmed into a card or device in mode 306 and the card or device may transition to operational mode 308, where the card or device may be used to complete purchase transactions. For example, a processor of the card or device may communicate the personalization data to a point of sale device (e.g., a magnetic stripe reader, an EMV chip reader, or an RFID reader) to complete a purchase transaction with the point of sale device.

(39) A manual input sequence (e.g., a series of button presses detected by a processor of a card or device as a reset sequence) may, for example, cause a processor of the card or device to transition back into personalization mode 304 from operational mode 308. Feedback indicia (e.g., a sequence of LED flashes) may, for example, indicate that personalization mode 304 has been reentered from operational mode 308. Accordingly, for example, a processor of an operational card or device may receive a reset sequence that may cause the processor to erase previously programmed personalization data and ready the card or device to reenter personalization mode 304. In so doing, a processor of an operational card or device may, for example, receive a manual input sequence that may cause the card or device to return to personalization mode 304 in preparation to be reprogrammed via program mode 306 and/or tested via test mode 310, diagnostic mode 324 and/or default mode 326.

(40) Application code executed by a processor of a card or device may prevent the processor from transitioning back into personalization mode 304 once a transition from program mode 306 to operational mode 308 has been executed. Accordingly, for example, a processor of a card or device may no longer acknowledge a reset sequence that may be received via manual input to the card or device in an attempt to place the card or device back into personalization mode 304 from operational mode 308.

(41) A manual input sequence (e.g., a series of one or more button presses detected by a processor of a card or device as an operational test sequence) may, for example, cause a processor of the card or device to transition to operational test mode 318 to communicate operational test data while being operational. Accordingly, for example, a processor of a card may communicate diagnostic data, default data, or any other type of data (e.g., within discretionary data fields of a magnetic stripe message) during a purchase transaction. A remote server may, for example, parse the magnetic stripe message to retrieve the operational test data and may forward the operational test data to a database that stores the operational test data. Accordingly, for example, a test module of a personalization machine may access the database to track an operational performance of a card or device over its operational lifetime.

(42) FIG. 4 shows personalization system 400, which may include one or more personalization machine input modules (e.g., keyboard 404), one or more personalization machine reader modules (e.g., magnetic stripe reader 406), one or more personalization machine output modules (e.g., display 408), device under test 430, and remote database 438. Device under test 430 may, for example, be a powered card or device having a manual input interface (e.g., buttons 432 and 434), a reader communications device (e.g., a dynamic magnetic stripe communications device, an RFID, or an EMV chip), a processor, a battery, diagnostic meters (e.g., a temperature sensor, a voltage sensor, and a swipe counter), and memory that may contain application code that may be executed by the processor.

(43) Device under test 430 may, for example, be commanded to a diagnostic mode (e.g., by pressing either of buttons 432 or 434) in which a processor of device under test 430 may retrieve diagnostic data associated with device under test 430 (e.g., a temperature of device under test 430 and a voltage generated by a battery within device under test 430). Upon subsequent detection of a reader device (e.g., magnetic stripe reader 406) by a processor of device under test 430, a processor of device under test 430 may communicate a message (e.g., magnetic stripe message 410 to magnetic stripe reader 406) that may contain at least a portion of the diagnostic data retrieved by the processor of device under test 430.

(44) Message 410 may, for example, be displayed onto man-machine interface 402, which may contain multiple data fields (e.g., two tracks of magnetic stripe data). A first track of magnetic stripe data may be bounded by a start sentinel (e.g., “% B”) and a stop sentinel (e.g., “?”). A second track of magnetic stripe data may be bounded by a start sentinel (e.g., “;”) and a stop sentinel (e.g., “?”).

(45) Each track of magnetic stripe data of magnetic strip message 410 may contain diagnostic data, which may be parsed by a processor of personalization system 400 and at least a portion of which may be displayed onto regions 412-424 of man-machine interface 402. For example, magnetic stripe message 410 may contain device type information 412 (e.g., a “1” may indicate that device under test 430 is a powered card and a “2” may indicate that device under test is a cellular telephonic device) that may be identified within magnetic stripe message 410 with a device type sentinel (e.g., “T”). Magnetic stripe message 410 may, for example, contain diagnostic information that may describe application code that may be executed by a processor of device under test 430 (e.g., firmware version 416 and firmware revision 418) that may be identified with firmware version and firmware revision sentinels (e.g., “V” and “R”). Magnetic stripe message 410 may, for example, contain diagnostic information that may include real-time operating conditions of device under test 430 (e.g., internal temperature 422 and battery voltage 424) that may be identified with diagnostic sentinels (e.g., “V” and “F”).

(46) Magnetic stripe message 410 may, for example, contain information that is specific to device under test 430 (e.g., serial number 414) that may be identified with a device sentinel (e.g., “SN”). Serial number 414 may, for example, be matched to serial number 436 that may be printed onto an exterior of device under test 430. Accordingly, for example, as diagnostic data is scanned for each device under test 430, a history of diagnostic data may be kept within a repository (e.g., database 438) that is uniquely indexed to each device under test 430 by, for example, serial number 436. Each single entry within database 438 (e.g., member 428) may contain at least a portion of diagnostic data scanned from each device under test 430. In so doing, for example, at least a portion of diagnostic data (e.g., battery voltage level) may be scanned for each device under test 430 over time and may be maintained within database 438 to create a history of diagnostic data over time. Such a history may, for example, be recalled from database 438 and viewed via man-machine interface 402.

(47) Persons skilled in the art will appreciate that device under test 430 may be programmed to communicate any type of data as may be required. For example, manual input (e.g., pressing buttons 432 or 434) may cause a processor of device under test 430 to communicate default data that may be contained within a memory of device under test 430. Accordingly, for example, a test module of personalization system 400 may analyze the communicated default data to determine whether device under test 430 may be operating correctly (e.g., whether the default data communicated by a processor of device under test 430 matches a data set that is expected from device under test 430).

(48) FIG. 5 shows personalization system 500, which may be used to track diagnostic data, or any other type of data, that may be associated with device under test 508 for a period of time (e.g., several days). Accordingly, for example, device under test 508 may be held in a production and test cycle until device under test 508 is cleared for release. In so doing, for example, certain diagnostic parameters that may be associated with device under test 508 may be monitored over a period of time to determine whether device under test 508 may be likely to survive for a complete life cycle duration (e.g., 2-4 years).

(49) Production and test cycles may, for example, be tracked as data entries within database 516, where each entry may be indexed to a unique number (e.g., serial number 510) that may be associated with device under test 508 and printed on an exterior surface of device under test 508. Serial number 510 may, for example, be stored within a memory of device under test 508. Accordingly, for example, each time device under test 508 is scanned for diagnostic data, a processor of device under test 508 may report its serial number within a message (e.g., magnetic stripe message 512) that may be scanned by a reader device (e.g., magnetic stripe reader 514) along with all diagnostic data reported by a processor of device under test 508. Each scan may be tabulated and presented by man-machine interface 502 within indexed entries 506, where the most recent entry may be displayed at the top of indexed entries 506.

(50) Personalization system 500 may be used to identify devices under test that may be defective by tracking diagnostic data that may be trending unfavorably. For example, a series of tests may be tracking the values of a diagnostic variable (e.g., battery voltage) over a period of time (e.g., several days). Variances in such a diagnostic variable may, for example, allow personalization system 500 to identify devices under test that may be likely to fall below acceptable performance levels before they have fulfilled their life expectancy. Accordingly, for example, an unusual change in diagnostic variable values (e.g., an unusual drop in battery voltage) over a period of several days may cause personalization system 500 to tag a particular device under test as defective. In so doing, for example, personalization system 500 may track battery voltage of device under test 508 over a period of several days and may reject device under test 508 from release due to an unusual drop in battery voltage (e.g., a drop of over 0.7 volts in battery voltage over a period of four days).

(51) FIG. 6 shows device 600 that may be, for example, a mobile device (e.g., a mobile cellular phone, an e-reader, or an electronic tablet). Any card provided herein may be provided as a virtual card on device 600. Mechanical buttons 640 may be utilized by a user to make selections (e.g., selections associated with a virtual card). Virtual buttons may be included that a user can activate (e.g., by utilizing a touch-screen displaying a virtual card) so that the user can make selections associated with the virtual card. Device 600 may include, for example, housing 602, display 610, virtual card 620, and virtual buttons 630 and 631. Device 600 may communicate to a card reader via electromagnetic signals (e.g., RF signals). Virtual button 630 may, for example, be associated with a normal activity. Button 631 may, for example, be associated with a test activity.

(52) Display configuration 650 may be provided and may be displayed, for example, on a wireless device such as a wireless telephonic device or a wireless payment card. Configuration 650 may include graphical user interface 651 that may include, for example, virtual button 652, virtual button 653, and virtual button 654. A user may be provided with the option of selecting certain test features, which may include a diagnostics feature, a default feature and/or a diagnostics feature combined with a transaction feature. A user may perform a selection by pressing the virtual button associated with the selection. Information associated with the selection may be provided, for example, to a personalization test module's database (e.g., via a telephonic data communication). A user may select one or more buttons on a physical card that are labeled as, for example, a “Diagnostics” button, a “Default” button, and/or a “Send diagnostics with transaction” button. Information indicative of that selection may then be communicated from the card to a card reader (e.g., via magnetic stripe data or RFID data) and then provided to a personalization test module and/or remote database. The personalization test module may then store the information communicated for manual or automated processing (e.g., a personalization test module may monitor the information remotely and may issue warnings based on the information received if a problem with the device is exposed based upon the information received).

(53) Processing of an information exchange associated with a diagnostics feature may, for example, include receiving diagnostic information and data (e.g., serial number and battery voltage level) from a device. A personalization test module may receive the information and provide the information to a repository or database. The database may, for example, be indexed by serial number and may allow access to the database to obtain a complete history of diagnostic information that may have been obtained from the device since its inception.

(54) Processing of an information exchange associated with a default feature may, for example, include receiving default information (e.g., data contained within memory of a device). A personalization test module may compare the default information to information that should have been received from the device to determine whether the device is operating normally.

(55) Diagnostics information may, for example, be communicated during a transaction. Accordingly, for example, diagnostic information (e.g., a variable associated with battery voltage magnitude) may be included within a magnetic stripe message (e.g., within discretionary data fields of a magnetic stripe message). Backend processing may forward the diagnostic information to a personalization test module and/or a remote database, which may catalog the information that may be indexed according to serial number. The indexed information may be analyzed and appropriate action may be taken (e.g., diagnostic data sent with a transaction may expose a device whose battery voltage is low which may then initiate automatic replacement of the device).

(56) A flow diagram of process sequences is shown in FIG. 7. Step 711 of sequence 710 may include, for example, building a device on an assembly line, where the device may be constructed using one or more electronics packages laminated between top and bottom layers of laminate sheets to form a device having, for example, top, bottom, and middle layers. Executable application code may, for example, be downloaded (e.g., as in step 712) into a processor's memory and/or downloaded to a memory external to the processor for execution by the processor. Personal data (e.g., account number, account holder's name, and expiration date) may be programmed (e.g., via IR communications) into the device (e.g., as in step 713). In step 714, the executed application code may allow a code to be entered into the programmed device (e.g., a sequence of one or more button presses) to cause the device to enter a test mode where diagnostic data, default data, or any other type of data, may be communicated by the device to, for example, a personalization test module. A processor of the device may, for example, erase previously programmed personal data in step 714 to allow new personal data to be programmed into a memory of the device.

(57) Step 721 of sequence 720 may include, for example, selecting a diagnostic test mode to be executed by a device by entering a diagnostic test mode command sequence into the device (e.g., a sequence of one or more button presses). The device may provide indicia (e.g., visible feedback, audible feedback, or tactile feedback) that may indicate to the user that a diagnostic test mode is activated within the device (e.g., as in step 722).

(58) Diagnostic data may be gathered by a processor of the device (e.g., as in step 723), which may include statistical information associated with the device, such as the number of times the device has communicated to a reader device (e.g., the number of times the device has communicated magnetic stripe information to a magnetic stripe reader) or a voltage magnitude of voltage being provided by an internal battery of the device.

(59) In step 724, the diagnostic data may be communicated (e.g., the diagnostic data may be communicated within a magnetic stripe message to a magnetic stripe reader of a personalization test module) and logged into a database. All diagnostic data gathered for any device may be uniquely indexed per device (e.g., all diagnostic data may be indexed based on a serial number of each device). Accordingly, for example, diagnostic data may be logged into a database during production stages of each device and throughout the life of each device (e.g., 2-4 years after producing the device) and may be recalled from the database at any time.

(60) Step 731 of sequence 730 may include, for example, selecting a default test mode to be executed by a device by entering a default test mode command sequence into the device (e.g., a sequence of one or more button presses). The device may provide indicia (e.g., visible feedback, audible feedback, or tactile feedback) that may indicate to the user that a default test mode is activated within the device (e.g., as in step 732).

(61) Default data may be gathered by a processor of the device (e.g., as in step 733), which may include default data stored within a memory of the device. In step 734, the default data may be communicated (e.g., the default data may be communicated within a magnetic stripe message to a magnetic stripe reader of a personalization test module). Accordingly, for example, the personalization test module may compare the received default data to data that should have been received from the device to determine whether the device is operating correctly.

(62) In step 741 of sequence 740, an operational diagnostic test mode may be selected (e.g., by pressing a button sequence associated with the operational diagnostic test mode) that may be associated with a transaction (e.g., a purchase transaction). Diagnostic data (e.g., battery voltage and swipe count) may be gathered in step 742 and communicated in step 743 along with magnetic stripe information to complete a transaction (e.g., diagnostic data may be populated within discretionary data fields of a magnetic stripe message). The discretionary data may be parsed from the magnetic stripe message and logged into a database accessible by a personalization test module for future access.

(63) Step 751 of sequence 750 may include, for example, building a device on an assembly line, where the device may be constructed using one or more electronics packages laminated between top and bottom layers of laminate sheets to form a device having, for example, top, bottom, and middle layers. Executable application code may, for example, be downloaded (e.g., as in step 752) into a processor's memory and/or downloaded to a memory external to the processor for execution by the processor. Personal data (e.g., account number, account holder's name, and expiration date) may be programmed (e.g., via IR communications) into the device (e.g., as in step 753). In step 754, the executed application code may prevent a code from being entered into the programmed device that may cause the device to enter a personalization mode where diagnostic and/or default data may be communicated by the device or that may cause the device to accept programming information.

(64) Persons skilled in the art will appreciate that the present invention is not limited to only the embodiments described. Instead, the present invention more generally involves dynamic information. Persons skilled in the art will also appreciate that the apparatus of the present invention may be implemented in other ways than those described herein. All such modifications are within the scope of the present invention, which is limited only by the claims that follow.