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
.HUEdHMjHZHMM40
.mwEU.m.mmDHU
Jmu
@ZOEH“Q5
Div
Q40PHD

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

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