08011577 is referenced by 59 patents and cites 244 patents.

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.

Title
Payment cards and devices with gift card, global integration, and magnetic stripe reader communication functionality
Application Number
12/339078
Publication Number
8011577 (B2)
Application Date
December 19, 2008
Publication Date
September 6, 2011
Inventor
Bruce Cloutier
Pittsburgh
PA, US
David Lambeth
Pittsburgh
PA, US
Jeffrey David Mullen
Pittsburg
PA, US
Assignee
Dynamics
PA, US
IPC
G06K 5/00
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