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United States Patent [191 [11] Pat...
5,055,968
5,068,521
5,150,420
5,153,842
5,590,038
Page 2
Us. PATENT DOCUMENTS
10/1991 Nishi et a1. ..........................
US. Patent Dec. 31, 1996 Sheet 3 Of 18 5,590,038
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US. Patent
401
402
403
404
405
406
407
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5,590,038
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Dec. 31, 1996 Sheet 4 0f 18
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US. Patent Dec. 31, 1996 Sheet 5 6f 18 5,590,038
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Patent Dec. 31, 1996 Sheet 6 of 18 5,590,038
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DRIVERS DRIVERS / COMM.
l 74 75 76
POSDATA / E...
U.S. Patent Dec. 31, 1996 Sheet 7 of 18 5,590,038
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US. Patent Dec. 31, 1996 Sheet 8 of 18 5,590,038
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US. Patent Dec. 31, 1996 Sheet 9 of 18
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US. Patent Dec. 31, 1996 Sheet 10 of 18 5,590,038
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US. Patent Dec. 31,1996 Sheet 11 of 18 5,590,038
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MONTHLY YEA...
US. Patent Dec. 31, 1996 Sheet 12 0f 18
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US. Patent Dec. 31, 1996 Sheet 13 of 18 5,590,038
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US. Patent Dec. 31, 1996
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US. Patent Dec. 31, 1996
T/R
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US. Patent Dec. 31, 1996 Sheet 18 of 18 5,590,038
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Us5590038 universal electronic transaction card including receipt storage and system and methods of conducting electronic ...
Us5590038 universal electronic transaction card including receipt storage and system and methods of conducting electronic ...
Us5590038 universal electronic transaction card including receipt storage and system and methods of conducting electronic ...
Us5590038 universal electronic transaction card including receipt storage and system and methods of conducting electronic ...
Us5590038 universal electronic transaction card including receipt storage and system and methods of conducting electronic ...
Us5590038 universal electronic transaction card including receipt storage and system and methods of conducting electronic ...
Us5590038 universal electronic transaction card including receipt storage and system and methods of conducting electronic ...
Us5590038 universal electronic transaction card including receipt storage and system and methods of conducting electronic ...
Us5590038 universal electronic transaction card including receipt storage and system and methods of conducting electronic ...
Us5590038 universal electronic transaction card including receipt storage and system and methods of conducting electronic ...
Us5590038 universal electronic transaction card including receipt storage and system and methods of conducting electronic ...
Us5590038 universal electronic transaction card including receipt storage and system and methods of conducting electronic ...
Us5590038 universal electronic transaction card including receipt storage and system and methods of conducting electronic ...
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Us5590038 universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions

  1. 1. IlllllllllllllIlllllllllllll||l|llllllllllllllllllllIllllllllllllllllllllllUS005590038A 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 ofthe 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/TEL. 4] ADD/TEL#. INSURANCE ' ' 11. LED ~—- 12. ON/OFF -—— 13. CONTACTS ~———— 10. LCD TYPE FULL DISPLAY M" 14. DISPLAY BRIGHTNESS —»—~~ 15. PLASTIC COVER/CASE
  2. 2. 5,055,968 5,068,521 5,150,420 5,153,842 5,590,038 Page 2 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
  3. 3. 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 M301 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
  4. 4. 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
  5. 5. 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 67j RAM / / I/O PC INT_ IIET CIRCUIT ' - POS INT. 66 I /'- 63 65 KEYS FIG.6
  6. 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 INF0- TRANSACTION WRITE HANDLING TIMER DEFL ID VERIFICATION SALES ID etc. SCHEDULAR SIGNATURE MEMORY MANAGEMENT FIG. 7
  7. 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‘IIRJINEU E T ' CARD DISPLAY KEYS POS/PC k J 83 FIG. 8(c)‘
  8. 8. 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
  9. 9. 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 / YYYZI Mr. X. YZW VALID TILL.. J FIG. 14 ‘ 5,590,038
  10. 10. US. Patent Dec. 31, 1996 Sheet 10 of 18 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
  11. 11. 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
  12. 12. 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
  13. 13. US. Patent Dec. 31, 1996 Sheet 13 of 18 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
  14. 14. US. Patent Dec. 31, 1996 Sheet 14 of 18 5,590,038 Umu .HmWm mm.UHH lmmu .HUEdHMQ<HZHMM<OEN .mmDiv Immu .mmDmU IENDHv §<UPHD
  15. 15. US. Patent Dec. 31, 1996 Sheet 15 of 18 5,590,038 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
  16. 16. 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
  17. 17. 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
  18. 18. US. Patent Dec. 31, 1996 Sheet 18 of 18 5,590,038 1m.UFH @ ynvgémpmd?qéhhmwommama,_FT‘ L_I domuz?mpméK VbzmgzmgowHM Vmawoizm

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