Us5884271 device, system and methods of conducting paperless transactions

US005884271A

United States Patent [19] [11] Patent Number: 5,884,271 Pitroda [45] Date of Patent: *Mar. 16, 1999

[54] DEVICE, SYSTEM AND METHODS OF FOREIGN PATENT DOCUMENTS CONDUCTING PAPERLESS TRANSACTIONS

[76] Inventor: Satyan G. Pitroda, 1480 Golden Bell Ct., Downers Grove, Ill. 60515

[ * ] Notice: The term of this patent shall not extend beyond the expiration date of Pat. No. 5,590,038.

[21] Appl. No.: 708,555

[22] Filed: Sep. 6, 1996

Related US. Application Data

[63] Continuation-in-part of Ser. No. 262,307, Jun. 20, 1994.

[51] Int. Cl.6 .................................................... .. G06F 17/60

[52] US. Cl. ................................................. .. 705/1; 395/24

[58] Field Of Search ................................ .. 395/241; 705/1

[56] References Cited

U.S. PATENT DOCUMENTS

Re. 28,081 7/1974 Travioli .......................... .. 235/61.11 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 Prichard 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 a1. . 235/350 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 a1. ........................ .. 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

(List continued on next page.)

2255934 11/1992 United Kingdom .

OTHER PUBLICATIONS

Sprint Priority GoldS'" Newsletter, Mar. 11, 1994,—“the Voice FOncardSm” 1994 Sprint Communications Co. LP. (2 985) PC Magazine—Mar. 29, 1994, Trends, Trends & Technol ogy Shaping the Personal Computer Market, “The PC in Your Wallet”, publication (1 page). Business Life Magazine, Dec/Jan. 1994/95, “The Era of the Smart Card”, publication (4 pages). Mondex Magazine—The World of Mondex Global Elec tronic Cash, Summer 1996, “What’s up doc?—The Smart Way to pay for Infotainment”, publication (3 pages).

Primary Examiner—Allen R. MacDonald Assistant Examiner—M. Irshadullah

[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 and health care management cards and the like. The UET card includes storage elements, an input interface, a processor, a display, and a communications interface. In a preferred embodiment, the UET card stores transactional information to eliminate paper receipts and includes security features to prevent unauthorized use. The UET card may also be used to replace conventional currency and traveler’s checks, and may be con?gured to store and display promotional information, such as advertising and incentives.

The invention also includes systems for using UET cards, for example, health care management systems, communica tion interface units, and methods for using the same, includ ing methods of issuing an account authorization to a UET card, a method of transferring transactional and account information betWeen a UET card and a personal computer or a mainframe computer, a method of using the UET card as a remote terminal for a mainframe computer, and a method of conducting an electronic transaction.

32 Claims, 18 Drawing Sheets

/% l6. SPEAKER

SELECTlTYPE IPRINT IERASE‘HELP ISEC. ] <P ] H> l [f k ]] IBEEPER

L,

[ill

U

CREDIT BANK

MEDICAL [j

TRAVEL/TEL. W ADD/TEL#.

INSURANCE U

i 11. LED I Q] SHOPS

i 12. ON/OFF

I.D. L1,, . 13. CONTACTS

10. LCD TYPE FULL DISPLAY

[3 MISC. i 14. DISPLAY

BRIGHTNESS

i 15. PLASTIC

COVER/CASE

5,884,271 Page 2

US. PATENT DOCUMENTS 5,068,521 11/1991 Yamaguchi ........................... .. 235/492

5,150,420 9/1992 Haraguchi ............................. .. 235/380 4,918,631 4/1990 Hara et a1. ............................ .. 364/708 571537842 10/1992 Dlugosjsn etal' ~~~~~~~~~~~~~~~~~ " 235/380

4,928,001 5/1990 Masada .. 235/492 5157247 10/1992 Takahira 235/492 479737828 “H990 Name etal' _ _ 235/380 , , ................................ ..

479837816 1/1991 ~~~~~~~~~~~~~~ ~~ " 5,168,151 12/1992 N810. ................................... .. 5,015,830 5/1991 MasuZaWa et a1. . 235/441 5,189,287 2/1993 Panentl -- 235/375

5,017,766 5/1991 Tamada et a1. .. 235/492 5,218,188 6/1993 Hanson -- 235/375 5,023,908 6/1991 Weiss ....... .. 380/23 5,276,311 1/1994 Hennige -- 235/492 5,055,662 10/1991 Hasegawa __ _ 235/492 5,301,105 4/1994 Cummings, Jr. ...................... .. 364/401

5,055,968 10/1991 Nishi et a1. ........................... .. 361/395 5,590,038 12/1996 Pitroda .................................. .. 395/241

U.S. Patent Mar. 16, 1999 Sheet 3 of 18 5,884,271

30 f \

DISPLAY

L c 1) + TOUCH SCREEN

DISPLAY CONTROLLER \ J

31

32 f \

MICRO

B+ —I> CONTROLLER NON - VOLATILE

R A M 301

RAM ROM _ I / O k J

33 34

L ON/ E OFF SPEAKER PINS IR OR RF

/BEEPER D SX CONTACT OPTION

35 36 37 38 39

FIG. 3

U.S. Patent Mar. 16, 1999 Sheet 4 6f 18 5,884,271

32 BIT UNIQUE# SCHEDULER 401 1/0 DISPLAY UTILITY 411

#co. ISSUING ETc DRIvERs DRIVERS 8‘ 01’. ‘m COMMANDS SYSTEM

PERSONAL 412

DATA 421 422 _ 423 MEMORY

403 __ DATE MGT' 413

CREDIT ISSUE/EXPIRE TRANsAcTIoNs cARDs 409 410 DATA BASE 414

404 LIMITS —— —> DISPLAY

BANK FORMATS cARDs 41s

40s _ ANALYsIs

ID 416

cARDs c I U INT. 406 &

HEALTH 407 P c INT 417

Etc. 408

PROMOTIONAL

424 INFORMATION

STORED CASH

VALUE

425 INFORMATION

CLOCK AUTHORIZATION

& INITIALIZATION SECURITY

cALENDER SIGNATURE

418 419 420

FIG. 4

U.S. Patent Mar. 16, 1999 Sheet 5 6f 18 5,884,271

P08 | PC /56

i/A / 52 TEXT / 55

.__I TEL.

U E T CARD '3 '3 '3 LINE 5 KEYS 53

o—<—<t: \ El E] El \ 57

54‘ \ 51 FIG. 5

/ 62

L C D 61

I / / 64 MICRO H

CONTROLLER €¥§c%'{~' UETC _

67 _/ RAM / / PC INT_ IPISIZT

CIRCUIT -

' 59%

\ 66 I /— 63 \ 65

KEYS

FIG. 6


71 72 73 / // /

I / O DISPLAY UTILITY

DRIVERS DRIVERS / COMM.

I 74 75 76

POSDATA / ETCARDMGT./ / P 0 s CARD P 0 s

ID# CONNECT INTERFACE

P C

INTERFACE CREDIT CARD CARD INFO.

CO.'S TEL.#'S READ SPECIAL

FEATURES

SERVICE #‘s CARD INFQ- TRANSACTION WRITE HANDLING

TIMER DEPT_ ID VERIFICATION

SALES ID etc. SCHEDULAR

SIGNATURE MEMORY

MANAGEMENT -

FIG.7

U.S. Patent Mar. 16,1999 Sheet 7 of 18 5,884,271

’ ‘ TO PC

U E T CIU CARD A

1

FIG. 8(a) \81

\

U E T CIU TEE/5m CARD B

j

\ 82 FIG. 8(b)

\ CIU - C

TEE?“ U E T ' CARD DISPLAY

KEYS POS/PC

\ J

\ 83 FIG. 8(c)

U.S. Patent Mar. 16, 1999 Sheet 8 of 18

(TYPE PRINT ERASE HELP SEC. <_ _> I} in

GRAPHICS & TRANSACTIONS

SIGNATURE VERIFY

SIGNATURE \ J

FIG. 9

f j

. Initialization Process . Card holder sign required

\ J

FIG. 10

r \

. Please input Security Code to prevent unauthorized access

- upto 10 digits

ENT ' CLR

0 1 2 3 4 5 6 7 s 9 *

FIG. 11

5,884,271

U.S. Patent Mar. 16, 1999 Sheet 9 0f 18

[1 Credit U Bank

U Medical [1 Insurance

B Travel/Tel. I] Add/Tel#

FIG. 12

[j Shops

B 1.1).

U Misc.

7

(NEXT

DINERS CLUB

DISCOVERY

AMERICAN EXPRESS

MASTER CARD

VISA

. 1 FIG. 13

HELP SEC LU CL BL

lXXX

Mr. X. YZW

FIG. 14

YYY2

AMERICAN EXPRESS

VALID TILL..

5,884,271


’ T

DIALING SEND/REC.

TRANSACTION AMOUNT

AUTHORIZED #

k J

FIG. 15

r <— —> {7 [?\

TRANSACTION DETAILS TOTAL

TIPS

TOTAL

SIGNATURE

k J

FIG. 16

’ T

TRANSACTION COMPLETE THANK YOU

\ J

FIG. 17

U.S. Patent

TYPE

HELP

C WRITE/TYPE

SUMMARY

MONTHLY

CREDIT LIMIT

WRITE CHECKS

PERIODIC CHECKS

Mar. 16, 1999 Sheet 11 0f 18

PRINT

SEC

\% ACCT/PAY

YEARLY

BALANCE

WITHDRAW

STATEMENT

SEARCH

SPECIAL COMMANDS

FIG. 18

5,884,271

ERASE

1;

WEEKLY

LAST USED

LOAD PC

DEPOSITS

ATM

U.S. Patent Mar. 16, 1999 Sheet 12 of 18

r 'i WRC WITHDRAW DEPOSIT P381251‘: STATE SUM ATM

BANK CARD

\ J

r \

MEDICAL CARD . NAME . ADD. . INS. PHOTO

. HT . COL .BLD TYPE

. ss# . TEL# . EMG#

. MED HISTORY . ALLERGIES

. DOCTOR . EMPLOYER

\ J

r \

ID CARD .NAME .ADD PHOTO

.TEL# .HT

.WT .MARK

. EMPLOYER . ss#

\ J

FIG. 21

5,884,271

U.S. Patent Mar. 16, 1999 Sheet 13 0f 18

DIAL LIST

PHONE CARD

FIG. 22

AIRLINE TRAVEL CARD

FIG.‘ 23

CAR RENTAL CARD

FIG. 24

5,884,271


mu .Umh . \mm

.HUEdHM jHZHM M40

.mw EU .m .mm DHU \Jmu

@ZOEH “Q5

Div

Q40 PHD


F i

A B C D

Z

0 1 2 8 9 *

\ J

FIG. 26

r IVIISC \

D to do 11 to tel

D to see/mtg. U frlends

U clock U calendar

D projects U errand

I] ?nance [:1 events \ J

FIG. 27

F \

To do...

8:00 ; 8:30 ; 9:00 ; 9:30 ;

KEYS L )

FIG. 28

U.S. Patent Mar. 16, 1999

INITIALIZATION PROCESS

Sheet 16 0f 18

turn on the UET

fig 10 will appear requesting signature

Card holder signs

signature stored in semi permanent memory

next ?g 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

5,884,271


Main frame CC Interface Credit Card Co.

-— CC — American Express

Diners

Bank Cards -- Interface — Master Card

BC . Visa

Interface Dept. Stores POS _ DS _' Sears , Wards

T/R Interface Travel Cards

UET CARD CIU '¥EL _ TC _" . airlines . car rental

LINE

Gasoline Co.'s - lntggace -- . Mobil . Texaco

. Standard

HOME PC Interface Health Insurance

_' HP _ Providers

Interface Misc. Cards —' MC _ Rest. etc.

FIG. 30


3 6E

w

1 azmzzmmgow M

>U<§<mm mam/vi éhnmwcm MQQ HZMEHQRH T k L? , F

w, @ do mozéawz? KT VI mmwoizm

Technology

Us5884271 device, system and methods of conducting paperless transactions