Multi application smartcard with currency exchange, location, tracking and personal identification capabilities

• US 9,213,976 B2
• Filed: 07/04/2013
• Issued: 12/15/2015
• Est. Priority Date: 01/28/2000
• Status: Expired due to Term

• Current Assignee: Patential Holdings, Inc.
• Original Assignee: Ubiquity Broadcasting Corporation
• Inventors: Carmichael, Chris, Carmichael, Connie, Crotty, Greg
• Primary Examiner(s): HESS, DANIEL A
• Application Number:
  US13/935,520
• Publication Number:
  US 20140019351A1
• Time in Patent Office: 894 Days
• Field of Search: 235/379, 235/492
• US Class Current: 1/1
• CPC Class Codes: G06K 19/07 with integrated circuit chips
• CPC Class Codes: G06K 19/0719 at least one of the integrated circuit chips comprising an arrangement for application selection, e.g. an acceleration sensor or a set of radio buttons application selection on smart cards using pure software control, see G07F7/10
• CPC Class Codes: G06K 19/08 using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means
• CPC Class Codes: G06K 7/10079 the collision being resolved in the spatial domain, e.g. temporary shields for blindfolding the interrogator in specific directions
• 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 20/3572 Multiple accounts on card
• CPC Class Codes: G06Q 20/3576 Multiple memory zones on card
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A smart card capable of performing more than one function, said smart card comprising a first memory means comprising a first set of data to access a bank account, a second set of data to access a credit card account, a third set of data representing the identification of a holder of the smart card, and a fourth set of data to access telephone communication services. The smart card further comprises a microprocessor, said microprocessor being in electrical communication with a second memory means, and a location tracking means for determining a location of the smart card.

Claims

1. A method, comprising using a payment card device, to carry out a credit card function at a first time by interacting with a remote credit card database at said first time, and to carry out an automated teller machine function at a second time by interacting with a remote automated teller machine database at said second time to withdraw funds from a user'"'"'s account based on said interacting with the remote automated teller machine database, and to carry out a debit card function at a third time, to make a purchase based on prepaid information that is stored in a memory and the payment card device by reducing an amount of electronic currency stored in the payment card device, and without contacting a remote database to reduce the amount of electronic currency, wherein said using comprises using the payment card without entering a personal identification number at said first time, and using the same payment card to carry out the automated teller machine function at said second time and requiring entry of said personal identification number at said second time to carry out said automated teller machine function.

2. The method as in claim 1, wherein said using comprises providing reward points to a user for using said payment card device.

3. The method as in claim 1, wherein said credit card function at the first time comprises using a digital certificate stored in the payment card to carry out the credit card function.

4. The method as in claim 3, wherein said credit card function is carried out without sending an account number of a user.

5. The method as in claim 1, wherein said payment card is programmable to allow user to set a personal identification number to carry out said debit card function, or to allow the debit card function to be carried out without setting the personal identification number.