System, method, and apparatus for a dynamic transaction card

• US 10,453,052 B2
• Filed: 04/16/2018
• Issued: 10/22/2019
• Est. Priority Date: 04/14/2015
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Inventors: Wurmfeld, David, Locke, Tyler
• Primary Examiner(s): Mai, Thien T
• Application Number:
  US15/953,547
• Publication Number:
  US 20190114623A1
• Time in Patent Office: 554 Days
• CPC Class Codes: G06K 19/02 characterised by the selection of materials, e.g. to avoid wear during transport through the machine
• CPC Class Codes: G06K 19/045 the record carrier being of the non-contact type, e.g. RFID, and being specially adapted for attachment to a disc, e.g. a CD or DVD
• CPC Class Codes: G06K 19/0702 the arrangement including a battery
• CPC Class Codes: G06K 19/0704 the battery being rechargeable, e.g. solar batteries
• CPC Class Codes: G06K 19/0716 at least one of the integrated circuit chips comprising a sensor or an interface to a sensor
• CPC Class Codes: G06K 19/0717 the sensor being capable of sensing environmental conditions such as temperature history or pressure
• CPC Class Codes: G06K 19/0723 the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
• CPC Class Codes: G06K 19/07705 the visual interface being a single light or small number of lights capable of being switched on or off, e.g. a series of LEDs
• CPC Class Codes: G06K 19/07707 the visual interface being a display, e.g. LCD or electronic ink
• CPC Class Codes: G06K 19/07722 the record carrier being multilayered, e.g. laminated sheets flat articles in general, see B32B37/00
• CPC Class Codes: G06K 19/07733 the record carrier containing at least one further contact interface not conform ISO-7816
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/3263 characterised by activation or deactivation of payment capabilities
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/353 Payments by cards read by M-devices
• CPC Class Codes: G06Q 20/354 Card activation or deactivation
• CPC Class Codes: G06Q 20/3552 : Downloading or loading of personalisation data
• CPC Class Codes: G06Q 20/3563 : Software being resident on card
• CPC Class Codes: G06Q 20/3574 : Multiple applications on card
• CPC Class Codes: G06Q 20/3829 : involving key management
• CPC Class Codes: G06Q 20/4016 : involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 20/405 : Establishing or using transaction specific rules
• CPC Class Codes: G06Q 20/409 : Device specific authentication in transaction processing
• CPC Class Codes: G07F 7/0833 : Card having specific functional components
• CPC Class Codes: G07F 7/0846 : On-card display means
• CPC Class Codes: G09B 21/008 : using visual presentation of the information for the partially sighted

Abstract

A dynamic transaction card that includes a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller/microprocessor storing firmware, Java applets, Java applet integration, and the like, an EMV processor, an energy storage component, one or more antenna (e.g., Bluetooth antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer. A display layer may include enhanced features such as the use of display components as a barcode generator.

Claims

1. A dynamic transaction card comprising:

an application that is account-provider specific and includes instructions to generate a barcode;

a microprocessor that receives application data from the application and activates a display component via a display driver; and

the display component comprising a plurality of LED lights, wherein the plurality of LED lights are individually driven at different frequencies such that a light wave generated from each LED light constructively interferes with the light waves generated by other LED lights to create one or more special voids in an analog wave to generate the barcode that is readable by a barcode reader.

2. The dynamic transaction card of claim 1, wherein the LED lights are pulsed at different time intervals such that the light wave generated from each LED light constructively interferes with light waves generated by other LED lights.

3. The dynamic transaction card of claim 1, wherein a mobile device transmits the instructions via a wireless connection;

and

wherein the dynamic transaction card receives the instructions via an antenna.

4. The dynamic transaction card of claim 1, wherein the barcode reader comprises an illumination system, a sensor, and/or a decoder.

5. The dynamic transaction card of claim 4, wherein the decoder determines whether a digital signal comprises a valid barcode.

6. The dynamic transaction card of claim 1, wherein the barcode generated by the display component represents account data and/or transaction data.

7. The dynamic transaction card of claim 6, wherein the account data comprises an account balance, account limit, transaction history, budget balance and/or budget limit.

8. The dynamic transaction card of claim 6, wherein the transaction data comprises a transaction amount, effect of a transaction on a budget, and/or account balance.

9. The dynamic transaction card of claim 1, wherein the display component comprises LED lights that indicate an account balance via a color, number of LED lights illuminated, and/or a pattern of illumination.

10. The dynamic transaction card of claim 1, wherein the display component comprises OLED lights and/or a Quantum Dot Display.

11. The dynamic transaction card of claim 1, further comprising an outer protective layer having an outer edge and a card backing having an outer edge, wherein the card backing outer edge and the outer protective layer outer edge are connected along the respective outer edges to one another to form a casing for the internal components of the dynamic transaction card.

12. The dynamic transaction card of claim 1, further comprising:

a sensor that detects an input to the dynamic transaction card;

wherein the instructions to generate the barcode are based in part on the input received by the sensor.

13. The dynamic transaction card of claim 1, further comprising:

an EMV processor in communication with the microprocessor; and

an energy storage component to power the dynamic transaction card.

14. The dynamic transaction card of claim 1, wherein the LED lights are driven at frequencies greater than 50 Hz.

15. A method of operating a dynamic transaction card comprising:

generating, via an application that includes instructions to generate a barcode, application data including the instructions to generate the barcode;

receiving, via a microprocessor, the application data including the instructions to generate the barcode;

transmitting, via the microprocessor, the application data to a display driver;

translating, via the display driver, the application data into the barcode;

activating, by the display driver, a display component; and

displaying, by a plurality of LED lights of the display component, the barcode;

wherein the barcode is created using constructive interference to generate an analog wave; and

wherein the plurality of LED lights are individually driven at different frequencies such that a light wave generated from each LED light constructively interferes with light waves generated by other LED lights, creating one or more spatial light voids in the analog wave forming the barcode.

16. The method of claim 15, wherein the plurality of LED lights are pulsed at different time intervals such that the light wave generated from each LED light constructively interferes with light waves generated by other LED lights.

17. The method of claim 15,

wherein the dynamic transaction card further comprises an antenna, the method further comprising:

receiving, at the antenna, the instructions to generate the barcode from a mobile device.

18. The method of claim 15, wherein the barcode displayed by the display component represents account data and/or transaction data.

19. The method of claim 18, wherein the account data comprises an account balance, account limit, transaction history, budget balance, and/or budget limit.

20. The method of claim 15, wherein the analog wave is readable by a barcode reader and not readable by a human eye.