Two piece dual layer transaction device
11687742 · 2023-06-27
Assignee
Inventors
- Peter Garrett (San Francisco, CA, US)
- Paul Lewis Regen (Felton, CA, US)
- Tom Czepowicz (San Francisco, CA, US)
Cpc classification
H04W4/80
ELECTRICITY
G06K7/10297
PHYSICS
G06K19/07737
PHYSICS
G06V40/1318
PHYSICS
C09J2203/326
CHEMISTRY; METALLURGY
G06Q20/341
PHYSICS
International classification
G06K7/10
PHYSICS
G06Q20/34
PHYSICS
H04W4/80
ELECTRICITY
Abstract
A two part dual layer transaction device comprising a computerized master unit powered by rechargeable battery, the master unit capable of connecting wirelessly to a data network and accessing at least one network server, the master unit having a length, a width, and an internal volume, and a transaction card element having a form factor acceptable for use as a debit or credit card, wherein the transaction card element may be docked or otherwise coupled to the master unit in an idle state and may be uncoupled by the user for the purpose using or cleaning the card element.
Claims
1. A two-part dual layer transaction device comprising: a computerized master unit powered by rechargeable battery, the master unit storing a plurality of aggregated financial transaction accounts in datasets and capable of connecting wireles sly to a data network and accessing at least one network server, the master unit having a housing with a length, a width, forming at least one planar side and an internal volume; a transaction card element having a rectangular planar form factor having a first planar surface and a second planar surface, acceptable for use as at least one of a debit card and a credit card; wherein the transaction card element is coupled to the master unit in an idle state and may be uncoupled by the user for the purpose of using the card element in a physical financial transaction; wherein the master unit and transaction card are attracted to and held adjacent to one another via aligned electrostatic micro-structures provided by a silicon film between the at least one planar side of the housing and all of the planar surface of either the first or second planar surfaces, and at least one dataset is transferred to the transaction card thereby enabling the transaction card to physically accomplish a financial transaction at a financial terminal.
2. The transaction device of claim 1, wherein the wireless network is one of a wireless fidelity network (WiFi) and a long-term evolution (LTE) network.
3. The transaction device of claim 1, wherein the master unit and transaction card element may exchange data over at least one of a Bluetooth wireless network connection and a near field connection 20 (NFC).
4. The transaction device of claim 1, wherein the transaction card element unit may transact via a magnetic stripe at point of sale terminals with EMV EVM.
5. The transaction device of claim 1, wherein the transaction card element may transact via NFC at point of sale terminals with NFC.
6. The transaction device of claim 1, wherein the master unit and transaction card element are physically aligned and snapped together via snap seats and snap posts.
7. The transaction device of claim 1, wherein the master unit and transaction card are physically aligned, and press fit together via post seats and posts.
8. The transaction device of claim 1, further including two or more aligned micro-structure arrays adapted as binding sites to each side of the silicone membrane.
9. The transaction device of claim 1, wherein the master unit includes a sleeve track architecture sized to accept docking by slot insertion of the transaction card element.
10. The transaction device of claim 1, further including an optical fingerprint reader on the master unit.
Description
BRIEF SUMMARY OF THE INVENTION
Brief Description of the Several Views of the Drawings
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DETAILED DESCRIPTION OF THE INVENTION
(14) In various embodiments described in enabling detail herein, the inventor provides a unique system fully functional dual layer universal ultra smart card. The present invention is described using the following examples, which may describe more than one relevant embodiment falling within the scope of the invention.
(15)
(16) MU 11 has a touchscreen display 19 covering the entire footprint of device 10 on that side of the device. Touch screen display 19 may be supported by internal circuitry and software and may be used to interact with media, execute transactions, browse the Internet, perform video calls and the like. MU 11 includes at least two electronic microphones, a microphone 12 and a microphone 13. Microphones 12 and 13 may be adapted to cancel background noise when a user is operating device 10 for use in communications, reviewing media including audio, or interacting with application called interfaces resident on the device.
(17) MU 11 may include the aggregate of the electronics available to device 10, which includes the slave unit. MU 11 may include at least one master control unit (MCU) powered by a rechargeable battery. Display screen 19 may be used in conjunction with at least one application to select a user's preferred means of multiple payment options and to enable the user an interface to accept payment from other users over the mobile network.
(18) In one embodiment, screen 19 may be interacted with to unlock or lock the MU 11 or the slave unit coupled to it to form device 10. One primary function of MU 11 is to house a plethora of aggregated financial technologies that would not otherwise fit a credit card form factor. MU 11 may include circuitry and software supporting a variety of wireless communications technologies like Bluetooth, Wi-Fi, and other Long-Term Evolution (LTE) type wireless technologies lending to adaptation as a smart device. MU 11 may be adapted with smart phone technologies enabling communications over a mobile network for voice, video, and data processing. LTE type technologies are not necessarily required if MU 11 is adapted as a smart phone.
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(20) In this view, dual layer device 10 is turned over to depict the SU 14. SU 14 is adapted to function as a universal credit/debit/gift-card device that may be coupled to the master unit. SU 14 includes a smaller display screen 16. Display screen 16 may display feedback and confirmation indicia that a credit or transaction card the user has selected from multiple possibilities programmed into the MU 11 is in fact the card programmed and enabled at the SU 14. SU 14 is enabled to access and exchange through Euro pay MasterCard and Visa (EMV) terminals and includes EMV contacts 15.
(21) The dual layer device 10 comprises the MU 11 and the SU 14 coupled together. The MU 11 may be one of several power sources that may be available to charge and to program the thin credit card-sized portion of device 10, more particularly SU 14. SU 14 is adapted in this embodiment to meet all technical specifications that may be required for the card to function independently from and while connected to MU 11 as a smart card enabling all credit, debit, and gift cards that are standard in the market to be accepted and accessible for transaction.
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(25) Referring to
(26) SU 14 may include a near field communication (NFC) wireless component 21. NFC component 21 may transfer dynamically held data and may transfer dynamic data that is written to memory. In one embodiment, SU 14 includes a plurality of contact points that may be magnetic or may be magnetized to hold SU 14 against MU 11 that may include the same pattern of contact points. In this embodiment, contact points 22, 24, 33, and 34 are provided. Contact points just mentioned may be made of any conductive material such as iron or any other material that conducts electricity and may attract in a magnet field enough to hold the two device layers, MU 11 and SU 14 together.
(27) In one implementation, contact points 22, 24, 33 and 34 may be connected to an electromagnetic coil connected to a micro circuit that can reverse magnetic poles of the contact points on command to cause magnetic resistance for the purpose of intentionally decoupling the SU 14 from the MU 11. Such a commend may be executed by voice, touch screen interaction, programmed button, or dedicated physical switch without departing from the spirit and scope of the present invention.
(28) SU 14 includes an optical data transceiver 23 that communicates with an optical transceiver 26 held on the interfacing side of MU 11. Optical data transceivers 23 and 26 are adapted to pass data back and forth between SU 14 and MU 11. Optical data transceivers are adapted to minimize electromagnet radiation emanating from the two layers of device 10 when data is transferred between SU 14 and MU 11 improving security. SU 14 includes a Bluetooth transceiver 45 adapted to process Bluetooth signal from MU 11.
(29) Referring to
(30) MU 11 includes a ghost writer component which may be attributed to component 31 or component 32 or both wherein the component is further adapted to introduce misleading or false data in transmission to an unknown device that has hijacked a connection and attempting to intercept data from the device. Misleading data or “ghost data” may also be transmitted during normal back and forth transmission of data between MU 11 and SU 14. In one implementation, both components 31 and 32 may detect RF leak, RF interference, may trigger phase shift signals, and may emit ghost data or misleading information to the unknown device.
(31) Referring to both
(32) Device 10 may operate like a typical communications device and may include many or any of the traditional android applications for messaging, email, browsing, conferencing, maps, calendar, and so on. Referring to
(33) In one implementation, Bluetooth signal strength may be used to determine how far away one layer of device 10 may be from the other layer of device 10. If too far one or both device layers may emit an audible alert, a vibratory alert, or may send an automated message via an alternative communications channel that a user may have lost or become separated from one layer of device 10 while the device was decoupled.
(34) In one implementation, a phase detection antenna may be provided and supported on one or both layers of device 10. A phase detection antenna may determine the origin of an alert signal for use in detecting where the other layer is located. Using a dedicated signal generator and detector may be more economic than using Bluetooth signal, which may become weak at higher distance. In one embodiment, a Global Positioning Satellite (GPS) module may be added to SU 14 and to MU 11 to aid in device layer location and typically device location of device 10 when coupled.
(35) Referring to
(36) Referring to both
(37) Referring to
(38) Referring to
(39) Referring to
(40) In a variation to the above embodiment, gauges 41 and 42 provide or direct a generated voltage that may be used to charge SU 14. If the stress detection gauges 41 and 42 detect a predefined stress level above a threshold value, voltage might be generated or directed that may aid in mitigating ongoing physical stress to device 10. In a further variation of the embodiment, the generated voltage may trigger a motorized frame or support mechanism to deploy firming up the structure of the device and prevent a potentially irreversible failure of the device.
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(42) Sliding Fit Two-Part Card
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(44) In a preferred embodiment card element 601a functions as a debit card but might also be another card type like a credit card without departing from the spirit and scope of the invention. Mag strip 602 may be on either side of card element 601a, but in preference it is on the side that interfaces with a master unit (MU) 601b depicted further below in
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(46) Master unit 601b includes a touch screen 607 for displaying which card or funding source will be used to perform a certain transaction. Screen 607 may also display other data resulting from other functionality. Master unit 601b may include physical indicia in the form of scroll buttons 608 for scrolling content displayed on screen 607 forward and backward. Touch screen functions may also enable scrolling without physical buttons. It is noted that master unit 601b may also include a memory, one or more microprocessors and associated circuitry enabling the electronic functions and task performance of the unit.
(47) Referring to
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(49) The major uniform width dimension of groove feature 603a of
(50) Press Fit Two-Part Card
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(52) Post seats 702 may be arranged in any convenient symmetrical hole pattern and may include as few as two post seats without departing from the spirit and scope of the invention. There may be more than four post seats 702 without departing from the spirit and scope of the present invention. The placement patterns of post seats 702 and posts 703 match in alignment to align the device components into the same form factor however that is not a requirement to practice the invention.
(53) In this example, the post seats 702 and posts 703 are annular in form, however they may be rectangular, square, triangular, hexagonal, octagonal, or other shapes without departing from the spirit and scope of the invention. In one embodiment, post seats 702 may include post seats of one shape and or diameter aligned with posts 703 of the same shape and or diameter, and post seats of an alternative shape or diameter aligned with posts of the same shape and or diameter to limit interface to one orientation between the components in alignment.
(54) In a preferred embodiment the depth dimension of post seats 702 and the post height of posts 703 are the same so that the components may be snapped or pressed together with no gaps between the interfacing sides. In one embodiment, magnetic elements may be combined with the post seat/post interfaces to insure a sticky fit. In another embodiment, seats 702 may be snap seats and posts 703 may be snap posts without departing from the spirit and scope of the present invention. Therefore, card element 701a and master unit 701b may be pressed together or snapped together. In one embodiment, a coin or edge slot or slots may be provided in the side edged or the card element 701a so a tool may be used to pry the components apart when desired.
(55) Electrostatic Attachment for Two-Part Card
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(57) Self-assembly is not widely practiced in industrial micro-fabrication procedures. The inventor has determined that it could potentially involve assembly processes that are considerably less complex. A variety of procedures for aligning and connecting separate parts have been researched and investigated in the art. These procedures mainly utilize capillary, gravitational or electrostatic forces in micro-scale to achieve the purpose. One of these methods is involving alignment of parts by utilizing the surface tensions of micro-scaled adhesive films, which are selectively coated on hydrophobic alignment structures.
(58) Referring to
(59) The inventor has determined through empirical evidence that the layout of the alignment micro-structures and the size (length and width) of the parts were identical for both described concepts (film, no film) in experimental testing. In one embodiment there is no silicon membrane 802 and the parts are aligned and held together by electrostatic means through conductive microstructures interfacing to achieve the alignment and attraction force. Accurate parts alignment and sufficient electrostatic attraction forces were observed. In the embodiment using no film or membrane, parts with micro-structured binding sites as small as 10×10 μm2 could accurately be self-aligned with electrostatic attraction.
(60) In other embodiments, card element 801a and master unit 801b may be held together in at least rough alignment within a dimensional tolerance range using one of several means known in the art for holding or grouping together two or more items in rough alignment. These apparatuses might include gecko clips, one or two corner pocket holders, large size paper clip holder, or a silicone rubber band holder.
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(62) Card element 901a is analogous to the previous card elements described above and may include a static mag stripe, an EMV chip, an, in some cases, an NFC chip, the card associated with an ACH supported account. Master unit 901b may be analogous in capabilities to the previous master units described above and may include NFC chip capability, micro-controllers and circuitry enabling communication with a smart phone or other communications device and platforms. Master unit 901b is modified only slightly from previous units described in that it may contain the card element in a sleeve as the architecture as depicted.
(63) A user may insert card element 901a into the sleeve architecture according to the direction of the arrow. Full insertion brings card element down to bottom 902c of the sleeve architecture. Master unit 901b may be equipped as other described units having a fingerprint sensor in one embodiment, a card selection mechanism and touch screen among other features previously described above. In a preferred embodiment, the dynamic NFC secure element on the card element is the part of the hybrid card that holds data as any mobile wallet would and is NFC capable so that anytime NFC is available it may be used without incurring more than one transaction fee.
(64) Further to the above, card element 901a may be analogous to and not modified from any of the card elements described in this specification. Master unit 901b may be adapted with a memory, one or more microprocessors, circuitry to operate on-board electronic components of the unit including the screen, and input control or scroll buttons. Unit 901b may also include secure and dynamic NFC capability and all functions previously described above.
(65) It will be apparent to the skilled person that the arrangement of elements and functionality for the invention is described in different embodiments in which each is exemplary of an implementation of the invention. These exemplary descriptions do not preclude other implementations and use cases not described in detail. The Uses and methods depicted within this description are purely emblematic of definitive ways in which to build and operate this invention and are not to be understood to be limiting of scope in any way. While the uses and methods have been described with a certain degree of particularity, it is to be noted that many alterations could be made in the details of the construction and the arrangement of the apparatus and its components without departing from the spirit and scope of this invention. It is implied that the uses and methods are not limited to the examples represented in this specification for the purpose of clarification and persuasion. The invention is limited only by the breadth of the claims below.