Us5590038 universal electronic transaction card including receipt storage and system and methods of...

IlllllllllllllIlllllllllllll||l|llllllllllllllllllllIllllllllllllllllllllll US005590038A

United States Patent [191 [11] Patent Number: 5,590,038 Pitroda [45] Date of Patent: Dec. 31, 1996

[54] UNIVERSAL ELECTRONIC TRANSACTION 5,023,908 6/1991 Weiss ...................................... .. 380/23 CARD INCLUDING RECEIPT STORAGE 5,055,662 10/1991 Hasegawa ............................. .. 235/492 AND SYSTEM AND METHODS OF CONDUCTING ELECTRONIC TRANSACTIONS

[76] Inventor: Satyan G. Pitroda, 1480 Golden Bell Ct., Downers Grove, 111. 60515

[21] Appl. No.: 262,307

[22] Filed: Jun. 20, 1994

[51] Int. Cl.6 .................................................... .. G06F 17/60

[52] US. Cl. ........................................... .. 395/241; 235/380

[58] Field of Search ................................... .. 364/401, 406,

364/408; 235/379, 380, 492

[56] References Cited

U.S. PATENT DOCUMENTS

Re. 28,081 7/1974 Travioli .......................... .. 235/61.1l E 4,305,059 12/1981 Benton 340/825.33 4,341,951 7/1982 Benton . 235/379 4,454,414 6/1984 Benton 235/379 4,491,725 1/1985 Pritchard 364/408 4,523,087 6/1985 Benton 235/379 4,575,621 3/1986 Dreifus 235/380 4,634,845 1/1987 Hale et al. 235/380 4,650,981 3/1987 Foletta 235/449 4,689,478 8/1987 Hale et a1. ......... .. 235/380 4,692,601 9/1987 Nakano ..................... .. 235/380

4,705,211 11/1987 Honda et a1. 235/380 4,739,295 4/1988 Hayashi et a1. 235/492 4,833,595 5/1989 Iijima ............. .. 364/200

4,837,422 6/1989 Detloff et a]. 235/380 4,849,613 7/1989 Eisele ......... .. 235/379

4,849,614 7/1989 Watanabe et a1. 235/380 4,858,121 8/1989 Barber et a1. 364/406 4,891,506 1/1990 Yoshimatsu .. .. 235/492

4,910,774 3/1990 Barakat . . . . . . . . . . . . .. 380/30

4,910,775 3/1990 Yves et a1. ......... .. 380/25

4,918,631 4/1990 Hara et al. ......... .. 364/708

4,928,001 5/1990 Masada .......... .. 235/492

4,973,828 11/1990 Naruse et al. 235/380 4,983,816 1/1991 Iijima ................. .. 235/379

5,015,830 5/1991 Masuzawa et a1. .. 235/441 5,017,766 5/1991 Tamada et a1. .... .. 235/492

(List continued on next page.)

OTHER PUBLICATIONS

Sprint Priority Golds'" Newsletter, Mar. 11, 1994,—“the Voice F6ncardsm”., 1994 Sprint Communications Company LP. (2 pages).

Primary Examiner—-Robert A. Weinhardt Atromey, Agent, or Firm—Welsh & Katz, Ltd.

[57] ABSTRACT

A universal electronic transaction card (“UET card”) is capable of serving as a number of different credit cards, bank cards, identi?cation cards, employee cards, medical cards and the like. The UET card includes information storage elements, an input interface, a processor, a display, and a communications interface. In a preferred embodiment, the display is a touch-sensitive display which provides the user with a number of graphical images which enable the user to selectively chose the type of “credit card” to use for a transaction, and to then choose a particular credit card to use with the transaction. After the choice is made, a graphic image appears on the display which looks like the face of a plastic credit card, including the account number, the user’s name, the name of the credit card company and its logo. Thereafter, the user presents the UET card to the point of sales terminal for a sales transaction. After proper veri?ca tion with the main computer of the service provider, the sales transaction information is transferred and stored in the UET card by the point of sales terminal to eliminate paper receipts and facilitate future storage, veri?cation and analysis for billing, budgeting and ?nancial management and using a home or o?ice personal computer or other facilities. The invention also includes methods of issuing account autho rization to a UET card, a method of transferring transac tional and account information between a UET card and a personal computer or mainframe computer, a method of using the UET card as a remote terminal for a mainframe computer, and a method of conducting an electronic trans action.

24 Claims, 18 Drawing Sheets

, — 16. SPEAKER

IBEEPER

CREDIT

MEDICAL

TRAVEL/T EL. 4] ADD/TEL#.

INSURANCE ' '

11. LED

~—- 12. ON/OFF

-—— 13. CONTACTS

~———— 10. LCD TYPE

FULL DISPLAY

M" 14. DISPLAY

BRIGHTNESS

—»—~~ 15. PLASTIC

COVER/CASE

5,055,968 5,068,521 5,150,420 5,153,842

5,590,038

Us. PATENT DOCUMENTS

10/1991 Nishi et a1. ........................... .. 361/395

11/1991 Yamaguchi .. 235/492

9/1992 Haraguchi . . . . . . . . . . .. 235/380

10/1992 Dlugos, Sr. et a1. ................. .. 235/380

5,157,247 5,168,151 5,189,287 5,218,188 5,276,311 5,301,105

10/1992 12/1992 2/1993 5/ 1993 1/1994 4/1994

US. Patent Dec. 31, 1996 Sheet 3 Of 18 5,590,038

30 f \

DISPLAY ‘

L C 1) + TOUCH SCREEN

DISPLAY CONTROLLER p J

31

32 f a

MICRO

B+ NON —i> CONTROLLER - VOLATILE

R A M 301

RAM ROM I / O \ J

33 34

L ON/ E ‘OFF SPEAKER PINS IR OR RF

IBEEPER CONTACT OPTION D SX . .

35 36 37 38 39

FIG. 3

US. Patent

401

402

403

404

405

406

407

408

5,590,038

FIG.

Dec. 31, 1996 Sheet 4 0f 18

32 BIT UNIQUE# SCHEDULER I / 0 DISPLAY UTILITY

#CO. ISSUING ETC DRIVERS DRIVERS 8‘ OP.

COMMANDS SYSTEM PERSONAL DATA 421 422 423 MEMORY

DATE MGT.

CREDIT ISSUE/EXPIRE TRANSACTIONS CARDS 409 410 DATA BASE

LIMITS —— —l> DISPLAY

BANK FORMATS CARDS

_ ANALYSIS

ID

CARDS C I U INT. &

HEALTH P C INT_

Etc.

CLOCK AUTHORIZATION & INITIALIZATION SECURITY

CALENDAR SIGNATURE

418 419 420

4

411

412

413

414

415

416

417

US. Patent Dec. 31, 1996 Sheet 5 6f 18 5,590,038

POS PC 56

__// . / 52

TEXT / 55 , f_

. TEL.

UETCARD ‘3'35 LINE

5 KEYS 53

._<_@ um: \57

54‘ \ 51 FIG. 5

/ 62

L C D 61

/ / 64

TEL INT. T/R

CONTROLLER CIR'CUIT UETC

67 j RAM / / I/O PC INT_ IIET

CIRCUIT '

- POS

INT.

66 I /'- 63 \ 65

KEYS

FIG.6

Patent Dec. 31, 1996 Sheet 6 of 18 5,590,038

71 72 73

I / O DISPLAY UTILITY

DRIVERS DRIVERS / COMM.

l 74 75 76 POSDATA / ETCARDMGT./ / P 0 S CARD P O S

ID# CONNECT lNTERFACE

P C

INTERFACE CREDIT CARD CARD INFO.

CO.'S TEL.#'S READ SPECIAL

' FEATURES

SERVICE #'s CARD INF 0- TRANSACTION WRITE HANDLING

TIMER DEFL ID VERIFICATION

SALES ID etc. SCHEDULAR

SIGNATURE MEMORY

MANAGEMENT

FIG. 7

U.S. Patent Dec. 31, 1996 Sheet 7 of 18 5,590,038

r \ TO PC

U E T I CIU CARD A

\ J

FIG. 8(a) \81

r \

U E T CIU TEII/EINE CARD B

k J

\ 82 FIG. 8(b)

( \ CIU - C

TEIVJI‘IIRJINE U E T ' CARD DISPLAY

KEYS POS/PC

k J

\ 83 FIG. 8(c)‘

US. Patent Dec. 31, 1996 Sheet 8 of 18 5,590,038

(TYPE PRINT ERASE HELP SEC. <,_ _> I P

GRAPHICS & TRANSACTIONS

SIGNATURE VERIFY

SIGNATURE \ J

FIG. 9

r w

. Initialization Process . Card holder sign required

FIG. 10

. Please input Security Code to prevent unauthorized access

- upto 10 digits

ENT CLR

0 1 2 3 4 5 6 7 8 9 *

FIG. 11

US. Patent Dec. 31, 1996 Sheet 9 of 18

F

U Credit ‘:1 Bank U Shops

5 Medical E Insurance D ID.

' I) Travel/Tel. U Add/Tel# {1 Misc.

k

(NEXT \

DINERS CLUB \

DISCOVERY

AMERICAN EXPRESS

MASTER CARD

VISA W k w J

f \ SUM AP W M Y HELP SEC LU CL BL LD

AMERICAN EXPRESS

IXXX /\ YYYZ I

Mr. X. YZW VALID TILL..

\ J

FIG. 14 ‘

5,590,038


r j

DIALING SEND/REC.

TRANSACTION AMOUNT

AUTHORIZED #

k J

( <1-— -—> ‘9 £0 TRANSACTION DETAILS

TOTAL

. TIPS

TOTAL

SIGNATURE

\ )

f \

TRANSACTION COMPLETE THANK YOU '

k J

FIG. 17

US. Patent Dec. 31,1996 Sheet 11 of 18 5,590,038

TYPE PRINT ERASE

I HELP SEC <__

I I » SUMMARY ACCT/PAY WEEKLY

MONTHLY YEARLY LAST USED

CREDIT LIMIT BALANCE , LOAD PC

WRITE CHECKS WITHDRAW , DEPOSITS

PERIODIC CHECKS STATEMENT ATM

WRITE/TYPE SEARCH ' REMIND ‘

SPECIAL COMMANDS

FIG. 18

US. Patent Dec. 31, 1996 Sheet 12 0f 18

( PERIODIC \ WRC WITHDRAW DEPOSIT CKB STATE SUM ATM

BANK CARD

\ J

FIG. 19

r \

MEDICAL CARD . NAME . ADD. . INS. PHOTO

.HT . .COL .BLD TYPE

. ss# .TEL# . EMG#

. MED HISTORY . ALLERGIES

. DOCTOR . EMPLOYER

\ J

FIG. 20

r N

H) CARD .NAME . ADD PHOTO

.TEL# .HT

.WT .MARK

.EMPLOYER . ss#

\ J

FIG. 21

5,590,038


f i DIAL LIST

PHONE CARD

\ 1

FIG. 22

r I N

AIRLINE TRAVEL CARD

\ 1

FIG. 23

r A w

CAR RENTAL CARD

\ J

FIG. 24


Umu .HmWm

mm .UHH \lmmu

.HUEdHM Q<HZHM M<O \\ EN

.mm Div \Immu .mm DmU \IEN DHv

§<U PHD


r I #

A B C D

Z

0 1 2 8 9 *

k J

FIG. 26

( MISC. 9

to do [I to tel.

to see/mtg. 1:] friends

clock [1 calendar

[1 projects D errand

5 finance D events k J

FIG. 27

K W

To do...

8:00 ; 8:30 ; 9:00 ; 9:30 ;

vKEYS \ 1

FIG. 28

US. Patent Dec. 31, 1996

INITIALIZATION PROCESS

Sheet 16 of 18

turn on the UET

?g 10 will appear requesting signature

Card holder signs

signature stored in semi permanent memory

next fig 11 will appear for security code

Card holder inputs desired 0 to 10 digit code

this code is stored as security code

UET Card is ready to use for all applications

FIG. 29

5,590,038

US. Patent Dec. 31, 1996

T/R - UET CARD CIU \

TEL. LINE

HOME PC

Sheet 17 of 18 Main frame CC

Interface Credit Card Co. CC American Express

Diners

Bank Cards Interface Master Card BC .

Visa

Interface Dept. Stores DS Sears , Wards

Interface Travel Cards TC . airlines . car rental

Gasoline Co.'s‘ lntggace . Mobil . Texaco

. Standard

Interface Health Insurance HP Providers

Interface’ Misc. Cards MC Rest. etc.

FIG. 30


1m .UFH

@ ynvgém pmd?q éhhmwom mama , _ F T ‘ L_ I do muz?mpmé K

V bzmgzmgow H M

V mawoizm

Us5590038 universal electronic transaction card including receipt storage and system and methods of...

Economy & Finance

Transcript of Us5590038 universal electronic transaction card including receipt storage and system and methods of...