System, method, and apparatus for a dynamic transaction card

• US 9,978,058 B2
• Filed: 04/14/2016
• Issued: 05/22/2018
• Est. Priority Date: 10/17/2011
• 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:
  US15/098,875
• Publication Number:
  US 20160307082A1
• Time in Patent Office: 768 Days
• CPC Class Codes: G06K 19/0702 the arrangement including a battery
• 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 20/321 using wearable devices
• 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 20/3563 Software being resident on card

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:

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

an application that is account-provider specific and includes instructions to generate a display upon receiving input from the sensor;

an EMV processor in communication with a microprocessor, wherein the microprocessor receives application data from the application and activates a display component via a display driver;

the display component comprising one or more LED lights, wherein the one or more LED lights generate a barcode using constructive interference to generate an analog wave that is read by a barcode reader, wherein the 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;

an energy storage component to power the dynamic transaction card.

2. The dynamic transaction card of claim 1, wherein the LED lights are pulsed at different time intervals from each other such that a 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 instructions via a wireless connection to the dynamic transaction card that receives the instructions via an antenna.

4. The dynamic transaction card of claim 3, wherein the microprocessor transmits the instructions to the display component to create a pattern that results in constructive interference to generate a barcode.

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

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

7. The dynamic transaction card of claim 1, wherein the application generates a display illustrating account data and/or transaction data.

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

9. The dynamic transaction card of claim 7, wherein the transaction data comprises a transaction amount, effect of a transaction on a budget, and/or account balance.

10. 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.

11. The dynamic transaction card of claim 1, wherein the display component comprises a dot matrix, one or more OLED lights, electronic paper, Mirasol, TF LCD, and/or Quantum Dot Display.

12. 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.