Intelligent credit card system

• US 9,684,897 B2
• Filed: 12/08/2014
• Issued: 06/20/2017
• Est. Priority Date: 10/16/2000
• Status: Active Grant

• Current Assignee: Harris Technology LLC
• Original Assignee: Harris Technology LLC
• Inventors: Harris, Scott C
• Primary Examiner(s): St Cyr, Daniel
• Application Number:
  US14/562,995
• Publication Number:
  US 20150095226A1
• Time in Patent Office: 925 Days
• Field of Search: 235380, 235382, 235385, 235487, 235492
• CPC Class Codes: G06K 19/044 comprising galvanic contacts for contacting an integrated circuit chip thereon
• CPC Class Codes: G06K 19/0718 the sensor being of the biometric kind, e.g. fingerprint sensors fingerprint sensors in general G06V40/13; biometric access-control systems in general, see G07C9/00
• CPC Class Codes: G06K 19/0728 the arrangement being an optical or sound-based communication interface
• CPC Class Codes: G06K 19/07733 the record carrier containing at least one further contact interface not conform ISO-7816
• CPC Class Codes: G06K 19/07743 External electrical contacts
• CPC Class Codes: G06K 19/07749 the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card
• CPC Class Codes: G06K 7/0021 for reading/sensing record carriers having surface contacts
• CPC Class Codes: G06K 7/0047 for reading/sensing record carriers having edge contacts
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/3415 Cards acting autonomously as pay-media
• CPC Class Codes: G06Q 20/353 Payments by cards read by M-devices
• CPC Class Codes: G06Q 20/40145 Biometric identity checks

Abstract

A new credit card system which enables improved reading and other operations. Reading can be done in the short edge of the credit card thereby shortening the aspect ratio and size of the card reader. The reader can be electrical, reading information via contacts, or can be optical readers.

Claims

1. An electronic device with a credit card function, comprising:

a housing;

electronic circuitry within the housing, the electronic circuitry including a processor, and a non-volatile memory that stores information including credit card information and encryption data for transactions, and a wireless communicator that wirelessly communicates information from the memory;

a display, located on an outside of said housing and which displays information from the memory and displays a picture;

a battery in the housing that powers the electronic circuitry and the display;

an electrical connection, that provides charge to the battery when connected;

a biometric reader that reads a user'"'"'s fingerprint, and uses the fingerprint to verify an identity of a user;

where said processor detects a communication indicating a transaction, and sends information based on said credit card information using said encryption data and based on said transaction being detected and based said verify the identity, wherein said fingerprint once verified is used for a predetermined interval of time without requiring reentering the fingerprint.

2. An electronic device with a credit card function, comprising:

a housing;

electronic circuitry within the housing, the electronic circuitry including a processor, and a non-volatile memory that stores information including credit card information and encryption data for transactions, and a wireless communicator that wirelessly communicates information from the memory;

a display, located on an outside of said housing and which displays information from the memory and displays a picture;

a battery in the housing that powers the electronic circuitry and the display;

an electrical connection, that provides charge to the battery when connected;

a biometric reader that reads a user'"'"'s fingerprint, and uses the fingerprint to verify an identity of a user;

where said processor detects a communication indicating a transaction, and sends information based on said credit card information using said encryption data and based on said transaction being detected and based said verify the identity, wherein said encryption data is received from a remote location and stored with a limited validity time.

3. An electronic device with a credit card function, comprising:

a processor;

a non-volatile memory that stores information including credit card information;

a wireless communicator that wirelessly communicates information from the memory;

a display, which displays information;

a battery that powers the electronic circuitry and the display;

a biometric reader that reads a user'"'"'s fingerprint, and uses the fingerprint to verify an identity of a user;

said wireless communicator receiving encryption data from a remote location and storing said encryption data with a limited validity time;

where said processor detects a communication indicating a transaction, and sends information based on said credit card information using said encryption data and based on said transaction being detected and based said verify the identity.

4. The device as in claim 3, further comprising a sound producing part, producing sounds associated with said transaction, wherein said sound producing part produces a first sound that indicates a successful transaction and a second sound that indicates that the transaction is declined.

5. The device as in claim 3, wherein said electronic device is a portable telephone.

6. The device as in claim 3, wherein said fingerprint once verified is used for a predetermined interval of time without reentering the fingerprint.