System, method, and apparatus for a dynamic transaction card

Patent metadata

Field	Value
Publication number	US-9978058-B2
Application number	US-201615098875-A
Country	US
Kind code	B2
Filing date	Apr 14, 2016
Priority date	Oct 17, 2011
Publication date	May 22, 2018
Grant date	May 22, 2018

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.

First claim

The invention claimed is:

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.

Assignees

• Capital One Services Llc
• Capital One Services Llc

Inventors

• Wurmfeld David
• LOCKE Tyler

Classifications

• G06K19/07722

  the record carrier being multilayered, e.g. laminated sheets (flat articles in general, see B32B37/00) · CPC title

• G06K19/0717

  the sensor being capable of sensing environmental conditions such as temperature history or pressure · CPC title

• G06Q20/354

  Card activation or deactivation · CPC title

• G06Q20/3563 Primary

  Software being resident on card · CPC title

• G06K19/0723

  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 title