1. IlllllllllllllIlllllllllllll||l|llllllllllllllllllllIllllllllllllllllllllllUS005590038A
United States Patent [191 [11] Patent Number: 5,590,038
Pitroda [45] Date of Patent: Dec. 31, 1996
[54] UNIVERSAL ELECTRONIC TRANSACTION 5,023,908 6/1991 Weiss ........................................ 380/23
CARD INCLUDING RECEIPT STORAGE 5,055,662 10/1991 Hasegawa ............................... 235/492
AND SYSTEM AND METHODS OF
CONDUCTING ELECTRONIC
TRANSACTIONS
[76] Inventor: Satyan G. Pitroda, 1480 Golden Bell
Ct., Downers Grove, 111. 60515
[21] Appl. No.: 262,307
[22] Filed: Jun. 20, 1994
[51] Int. Cl.6 ...................................................... G06F 17/60
[52] US. Cl. ............................................. 395/241; 235/380
[58] Field of Search ..................................... 364/401, 406,
364/408; 235/379, 380, 492
[56] References Cited
U.S. PATENT DOCUMENTS
Re. 28,081 7/1974 Travioli ............................ 235/61.1l 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 Pritchard 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 al. 235/380
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 a]. 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
4,918,631 4/1990 Hara et al. ........... 364/708
4,928,001 5/1990 Masada ............ 235/492
4,973,828 11/1990 Naruse et al. 235/380
4,983,816 1/1991 Iijima ................... 235/379
5,015,830 5/1991 Masuzawa et a1. .. 235/441
5,017,766 5/1991 Tamada et a1. ...... 235/492
(List continued on next page.)
OTHER PUBLICATIONS
Sprint Priority Golds'" Newsletter, Mar. 11, 1994,—“the
Voice F6ncardsm”., 1994 Sprint Communications Company
LP. (2 pages).
Primary Examiner—-Robert A. Weinhardt
Atromey, Agent, or Firm—Welsh & Katz, Ltd.
[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 cards
and the like. The UET card includes information storage
elements, an input interface, a processor, a display, and a
communications interface. In a preferred embodiment, the
display is a touch-sensitive display which provides the user
with a number of graphical images which enable the user to
selectively chose the type of “credit card” to use for a
transaction, and to then choose a particular credit card to use
with the transaction. After the choice is made, a graphic
image appears on the display which looks like the face of a
plastic credit card, including the account number, the user’s
name, the name of the credit card company and its logo.
Thereafter, the user presents the UET card to the point of
sales terminal for a sales transaction. After proper veri?ca
tion with the main computer ofthe service provider, the sales
transaction information is transferred and stored in the UET
card by the point of sales terminal to eliminate paper receipts
and facilitate future storage, veri?cation and analysis for
billing, budgeting and ?nancial management and using a
home or o?ice personal computer or other facilities. The
invention also includes methods of issuing account autho
rization to a UET card, a method of transferring transac
tional and account information between a UET card and a
personal computer or mainframe computer, a method of
using the UET card as a remote terminal for a mainframe
computer, and a method of conducting an electronic trans
action.
24 Claims, 18 Drawing Sheets
, — 16. SPEAKER
IBEEPER
CREDIT
MEDICAL
TRAVEL/TEL. 4] ADD/TEL#.
INSURANCE ' '
11. LED
~—- 12. ON/OFF
-—— 13. CONTACTS
~———— 10. LCD TYPE
FULL DISPLAY
M" 14. DISPLAY
BRIGHTNESS
—»—~~ 15. PLASTIC
COVER/CASE

2. 5,055,968
5,068,521
5,150,420
5,153,842
5,590,038
Page 2
Us. PATENT DOCUMENTS
10/1991 Nishi et a1. ............................. 361/395
11/1991 Yamaguchi .. 235/492
9/1992 Haraguchi . . . . . . . . . . .. 235/380
10/1992 Dlugos, Sr. et a1. ................... 235/380
5,157,247
5,168,151
5,189,287
5,218,188
5,276,311
5,301,105
10/1992
12/1992
2/1993
5/1993
1/1994
4/1994

5. US. Patent Dec. 31, 1996 Sheet 3 Of 18 5,590,038
30 f
DISPLAY ‘
L C 1) + TOUCH SCREEN
DISPLAY CONTROLLER
p J
31
32 f a
MICRO
B+ NON
—i> CONTROLLER - VOLATILE
R A M301
RAM ROM I / O
J
33 34
L ON/
E ‘OFF SPEAKER PINS IR OR RF
IBEEPER CONTACT OPTION
D SX . .
35 36 37 38 39
FIG. 3

6. US. Patent
401
402
403
404
405
406
407
408
5,590,038
FIG.
Dec. 31, 1996 Sheet 4 0f 18
32 BIT UNIQUE# SCHEDULER
I / 0 DISPLAY UTILITY
#CO. ISSUING ETC DRIVERS DRIVERS 8‘ OP.
COMMANDS SYSTEM
PERSONAL
DATA 421 422 423 MEMORY
DATE MGT.
CREDIT ISSUE/EXPIRE TRANSACTIONS
CARDS 409 410 DATA BASE
LIMITS
—— —l> DISPLAY
BANK FORMATS
CARDS
_ ANALYSIS
ID
CARDS C I U INT.
&
HEALTH P C INT_
Etc.
CLOCK AUTHORIZATION
& INITIALIZATION SECURITY
CALENDAR SIGNATURE
418 419 420
4
411
412
413
414
415
416
417

7. US. Patent Dec. 31, 1996 Sheet 5 6f 18 5,590,038
POS PC 56
__//
. / 52
TEXT / 55
, f_
. TEL.
UETCARD ‘3'35 LINE
5 KEYS 53
._<_@um: 57
54‘ 51
FIG. 5
/ 62
L C D
61
/ / 64
TEL INT. T/R
CONTROLLER CIR'CUIT
UETC
67j
RAM / / I/O PC INT_ IIET
CIRCUIT '
- POS
INT.
66 I /'- 63 65
KEYS
FIG.6

8. Patent Dec. 31, 1996 Sheet 6 of 18 5,590,038
71 72 73
I / O DISPLAY UTILITY
DRIVERS DRIVERS / COMM.
l 74 75 76
POSDATA / ETCARDMGT./ /
P 0 S CARD P O S
ID# CONNECT lNTERFACE
P C
INTERFACE
CREDIT CARD CARD INFO.
CO.'S TEL.#'S READ SPECIAL
' FEATURES
SERVICE #'s CARD INF0- TRANSACTION
WRITE HANDLING
TIMER
DEFL ID VERIFICATION
SALES ID etc. SCHEDULAR
SIGNATURE MEMORY
MANAGEMENT
FIG. 7

9. U.S. Patent Dec. 31, 1996 Sheet 7 of 18 5,590,038
r TO PC
U E T I CIU
CARD A
J
FIG. 8(a) 81
r
U E T CIU TEII/EINE
CARD B
k J
82
FIG. 8(b)
( CIU - C
TEIVJI‘IIRJINEU E T '
CARD DISPLAY
KEYS POS/PC
k J
83
FIG. 8(c)‘

10. US. Patent Dec. 31, 1996 Sheet 8 of 18 5,590,038
(TYPE PRINT ERASE HELP SEC. <,_ _> I P
GRAPHICS & TRANSACTIONS
SIGNATURE VERIFY
SIGNATURE
J
FIG. 9
r w
. Initialization Process
. Card holder sign required
FIG. 10
. Please input Security Code to
prevent unauthorized access
- upto 10 digits
ENT CLR
0 1 2 3 4 5 6 7 8 9 *
FIG. 11

11. US. Patent Dec. 31, 1996 Sheet 9 of 18
F
U Credit ‘:1 Bank U Shops
5 Medical E Insurance D ID.
' I) Travel/Tel. U Add/Tel# {1 Misc.
k
(NEXT
DINERS CLUB
DISCOVERY
AMERICAN EXPRESS
MASTER CARD
VISA W
k w J
f
SUM AP W M Y HELP SEC LU CL BL LD
AMERICAN EXPRESS
IXXX / YYYZI
Mr. X. YZW VALID TILL..
J
FIG. 14 ‘
5,590,038

12. US. Patent Dec. 31, 1996 Sheet 10 of 18 5,590,038
r j
DIALING SEND/REC.
TRANSACTION AMOUNT
AUTHORIZED #
k J
( <1-— -—> ‘9 £0
TRANSACTION DETAILS
TOTAL
. TIPS
TOTAL
SIGNATURE
)
f
TRANSACTION COMPLETE
THANK YOU '
k J
FIG. 17

13. US. Patent Dec. 31,1996 Sheet 11 of 18 5,590,038
TYPE PRINT ERASE
I HELP SEC <__
I I »
SUMMARY ACCT/PAY WEEKLY
MONTHLY YEARLY LAST USED
CREDIT LIMIT BALANCE , LOAD PC
WRITE CHECKS WITHDRAW , DEPOSITS
PERIODIC CHECKS STATEMENT ATM
WRITE/TYPE SEARCH ' REMIND ‘
SPECIAL
COMMANDS
FIG. 18

14. US. Patent Dec. 31, 1996 Sheet 12 0f 18
( PERIODIC
WRC WITHDRAW DEPOSIT CKB STATE SUM ATM
BANK CARD
J
FIG. 19
r
MEDICAL CARD
. NAME . ADD. . INS. PHOTO
.HT . .COL .BLD TYPE
. ss# .TEL# . EMG#
. MED HISTORY . ALLERGIES
. DOCTOR . EMPLOYER
J
FIG. 20
r N
H) CARD
.NAME . ADD PHOTO
.TEL# .HT
.WT .MARK
.EMPLOYER . ss#
J
FIG. 21
5,590,038

15. US. Patent Dec. 31, 1996 Sheet 13 of 18 5,590,038
f i
DIAL LIST
PHONE CARD
1
FIG. 22
r I N
AIRLINE TRAVEL CARD
1
FIG. 23
r A w
CAR RENTAL CARD
J
FIG. 24

16. US. Patent Dec. 31, 1996 Sheet 14 of 18 5,590,038
Umu
.HmWm
mm.UHH
lmmu
.HUEdHMQ<HZHMM<OEN
.mmDiv
Immu
.mmDmU
IENDHv
§<UPHD

17. US. Patent Dec. 31, 1996 Sheet 15 of 18 5,590,038
r I #
A B C D
Z
0 1 2 8 9 *
k J
FIG. 26
( MISC. 9
to do [I to tel.
to see/mtg. 1:] friends
clock [1 calendar
[1 projects D errand
5 finance D events
k J
FIG. 27
K W
To do...
8:00 ;
8:30 ;
9:00 ;
9:30 ;
vKEYS
1
FIG. 28

18. US. Patent Dec. 31, 1996
INITIALIZATION PROCESS
Sheet 16 of 18
turn on the
UET
?g 10 will appear
requesting signature
Card holder signs
signature stored in
semi permanent memory
next fig 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
5,590,038

19. US. Patent Dec. 31, 1996
T/R
- UET CARD CIU
TEL.
LINE
HOME PC
Sheet 17 of 18 Main frame CC
Interface Credit Card Co.
CC American Express
Diners
Bank Cards
Interface Master Card
BC .
Visa
Interface Dept. Stores
DS Sears , Wards
Interface Travel Cards
TC . airlines . car rental
Gasoline Co.'s‘
lntggace . Mobil . Texaco
. Standard
Interface Health Insurance
HP Providers
Interface’ Misc. Cards
MC Rest. etc.
FIG. 30

20. US. Patent Dec. 31, 1996 Sheet 18 of 18 5,590,038
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