SMART DATA CARDS THAT ENABLE THE PERFORMANCE OF VARIOUS FUNCTIONS UPON ACTIVATION/AUTHENTICATION BY A USER'S FINGERPRINT, ONCARD PIN NUMBER ENTRY, AND/OR BY FACIAL RECOGNITION OF THE USER, OR BY FACIAL RECOGNITION OF A USER ALONE, INCLUDING AN AUTOMATED CHANGING SECURITY NUMBER THAT IS DISPLAYED ON A SCREEN ON A CARD'S SURFACE FOLLOWING AN AUTHENTICATED BIOMETRIC MATCH

Abstract

A smart card such as an EMV card that connects, wirelessly or by contact, to a reader or other device, and permits the flow of information/data to/from the card when connected thereto, after fingerprint scanning authorization/user verification system; or image scanning authorization/user verification, or PIN number entry from an on-card pad, or both, including a display screen for displaying changing/static user identification data stored thereon/therein alter such authorization/verification.

Claims

1. A smartcard that can connect, wirelessly or by contact, to a reader or to a computing device, mobile telephone or cellular telephone, said card permitting the flow of data to said card, from said card, or both, when connected to said reader or to said computing device, after fingerprint scanning authorization/user verification, PIN number authentication, and/or after image scanning authorization/user verification, said card optionally including a display screen for displaying information, data, or both, stored thereon/therein after fingerprint, image, and/or PIN Number, or fingerprint, PIN number and/or image user match causing a verification and subsequent activation, onboard fingerprint scanning authorization/user verification, an onboard image scanning authorization/user verification, and/or onboard PIN number authorization/user verification, said smart card including onboard memory, an onboard processor, and an onboard rechargeable battery.

2. The smart card of claim 1 wherein said card provides contactless information communication.

3. The smart card of claim 1 further comprising an identification number that changes after each said verification/activation.

4. The smart card of claim 1 further comprising an identification number that displays for a prescribed/predetermined time after said verification.

5. The smart card of claim 1 wherein said smart card includes a smartcard contact pad for connection to a power source outside said smart card and to a power management system on said smartcard, and to said rechargeable battery, said battery using said connection to draw power into said smart card's power management system for recharging said rechargeable battery.

6. The smart card of claim 5 wherein said display screen is on the front or back of said card for display of information or data after verification/activation.

7. The smart card of claim 5 further comprising an interface for wireless transmission of information/data from memory on said smart card to a destination outside said smart card, and vice versa.

8. The smart card of claim 7 that stores wirelessly received data in said onboard memory.

9. The smart card of claim 1 comprising both fingerprint scanning authorization/user verification, and image scanning authorization/user verification, and optionally, visual face scanning, match and verification using a camera embedded inside said smart card.

10. The smart card of claim 1 further comprising a smartcard chip including an onboard smartcard IC chip and a separate, on board smartcard contact pad connected thereto, including an electronic switch to open or close the connection between the smartcard chip IC and the smartcard contact pad upon successful user authorization/verification; and a connection between said fingerprint scanning authorization/user verification, or said image scanning authorization/user verification, and said onboard memory, said onboard processor, and said onboard rechargeable battery.

11. The smart card of claim 1 wherein said smart card is a contact card, or a contactless card, and includes a static, stored number selected from the group consisting of an identification number, a PAN, a CVV number, or an OTP, that is displayed on said display screen for a prescribed time period following successful authorization/verification, or a changing stored number selected from the group consisting of an identification number, a PAN, a CVV number, or an OTP, that is displayed on said display screen for a prescribed time period following successful authorization/verification, said changing number being synchronized, but not directly linked to, a number generating system on a computer system outside said smart card.

12. The smart card of claim 1 further comprising a camera inside said smart card that includes at least one of a card surface exposed lens, a wireless receiver with a connected antenna, and a wireless transceiver.

13. The smartcard of claim 1 further comprising an on-board radio frequency receiver/transmitter/transceiver chip that is connected to an on-board antenna and an attenuator or electronic switch between said radio frequency receiver/transmitter/transceiver chip and said antenna that blocks flow of radio frequency data between said chip and said antenna, and unblocks said flow upon successful user authentication/verification.

14. The smart card of claim 1 further comprising an on/off switch or an on switch.

15. The smart card of claim 1 further comprising a smartcard chip including an onboard smartcard IC chip and a separate, on board smartcard contact pad connected thereto, including an electronic switch to open or close the connection between the smartcard chip IC and the smartcard contact pad upon successful user authorization/verification.

Description

BRIEF DESCRIPTION OF THE DRAWINGS

[0027] FIGS. 1 to 3 illustrate some embodiments of the cards of the invention, but the claims are not limited to these embodiments.

DETAILED DESCRIPTION OF THE DRAWINGS

[0028] FIG. 1 shows payment transaction data card 1 with onboard fingerprint verification/authorization sensor 2 and image verification/authorization sensor 3, on/off switch 5, and display screen 6. Card 1 includes circuitry that includes, but is not limited to a processor chip, memory chip and rechargeable battery. To activate card 1, a user touches his fingerprint to sensor 2, and displays his or another designated image to sensor 3, and a processor in/on card 1 compares the user's print and the sensed image to a database, in memory on card 1, of stored, known images and prints. If a match to an authorized user's print and to the displayed image occurs, card 1 is activated, data can flow to/from card 1, and changing or unchanging identification data, such as a 3 or 4 digit security number 7, appears on screen 6.

[0029] The security number may change upon each occurrence of a prescribed event, or from passage of a prescribed time period, or both. Data card 1 may include a display screen for displaying user identification data stored thereon/therein after fingerprint, image or both fingerprint and image user verification/activation events. This security number must be used, as by entry into a card reader at a merchant location, to authorize a payment with card 1.

[0030] FIG. 2 shows contact smart card 10, with gold pad 16 placed over, and electrically connected to smart card chip/IC 17, by a plurality of wires/paths. One of these wires/paths includes a connect/disconnect electronic switch that is connected/activated after a successful biometric match between a user and card 10 using fingerprint sensor 14, as explained above. Upon such connection, electricity/data/information may flow to/from on-board CPU 12. CPU 12 is connected to on-board rechargeable battery 16, such that electricity may flow into card 10 through IC 17, which is connected to CPU 12, then to battery 16. Further, upon such connection, information/data may flow into card 10 to IC 17, to memory chip 18, which is part of on-board circuit board 16. Information/data may also pass from card 10′s memories to destinations outside card 10 through IC chip 17.

[0031] Circuit board 15 also includes power management chip 13, which controls delivery of power to some or all elements on card 10.

[0032] FIG. 3 shows contactless smart card 21 with gold pad 20 placed over IC chip 22 and antenna 23 connected to IC 22. Such a smart card may also include the other elements of the contact smart card depicted in FIG. 2. Antenna 23 provides an input path for data/information/electricity to card 21, and an output path for information/data from card 21 to destinations outside card 21. Antenna 23, IC chip 22, and gold pad 20 are connected by a plurality of wires/paths. One of these wires/paths includes a connect/disconnect electronic switch that is connected/activated after a successful biometric match between a user and card 21 using fingerprint sensor 14, as explained above. Upon such connection, electricity/data/information may flow to/from on-board CPU 12, and recharging electricity may pass to battery 13.