IP Library › Granted Patent US 10,713,648
Granted Patent B2
US 10,713,648 · App. 16/359,448 · Granted Jul 14, 2020

Dynamic transaction card for visual impairment and methods thereof

Inventors: James Zarakas (Centreville, VA); Theodore Markson (Reston, VA); Adam Koeppel (Washington, DC); Kevin Kelly (Austin, TX); Brian Briggman (Arlington, VA); Saleem Sangi (Ellicott City, MD); David Wurmfeld (Fairfax, VA); Tyler Locke (Washington, DC); Karla Escalante (Arlington, VA)
Assignee: CAPITAL ONE SERVICES, LLC
G06Q20/353G06K19/02G06K19/045G06K19/0702G06K19/0704G06K19/0716G06K19/0717G06K19/0723G06K19/07705G06K19/07707G06K19/07722G06K19/07733G06Q20/04G06Q20/10G06Q20/3278G06Q20/341G06Q20/352G06Q20/354G06Q20/3552G06Q20/3563G06Q20/3574G06Q20/3829G06Q20/405G06Q20/409G06Q20/4016G07F7/0833G07F7/0846G09B21/008
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Quick Facts
Patent No.
US 10,713,648
App. No.
16/359,448
Granted
Jul 14, 2020
Kind
B2
Abstract

A dynamic transaction card that includes a transaction card having 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 touch sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV chip, 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.

Claims (38)

1. A dynamic transaction card comprising:

a sensor to detect an input at the dynamic transaction card;

one or more account-provider specific applications, each application including instructions to generate a display upon receiving the input from the sensor and each application including display settings for users with a visual impairment;

an antenna to wirelessly connect the dynamic transaction card to a mobile device;

a display component to generate a predefined pattern based on a first display setting transmitted to the dynamic transaction card from a transaction terminal or the mobile device;

a microprocessor to receive application data from the one or more applications and to activate the display via a display driver; and

a contact plate, in communication with a microprocessor, to communicate with the transaction terminal.

2. The dynamic transaction card of claim 1 , wherein the display settings are received at the dynamic transaction card from the mobile device via the antenna.

3. The dynamic transaction card of claim 1 , wherein the visual impairment comprises nearsightedness, farsightedness, and/or glaucoma.

4. The dynamic transaction card of claim 1 , wherein the display settings are received at the dynamic transaction card from the transaction terminal via the contact plate.

5. The dynamic transaction card of claim 1 , wherein the display settings convert alphanumeric display data into visual impairment data comprising: a representative symbol, a representative color, and/or a representative blinking pattern.

6. The dynamic transaction card of claim 5 , wherein the visual impairment data indicates a balance, a credit limit, a budget balance, and/or a transaction amount.

7. The dynamic transaction card of claim 6 , wherein the visual impairment data is transmitted to the dynamic transaction card from the mobile device via the antenna.

8. The dynamic transaction card of claim 6 , wherein the visual impairment data is transmitted to the dynamic transaction card via the contact plate.

9. A method comprising:

receiving, at an input of a mobile device, user settings indicating a visual impairment of a user of the mobile device;

connecting, with a transceiver of the mobile device, to a dynamic transaction card associated with the user of the mobile device;

receiving, at the transceiver, account data from a backend system storing account information associated with the dynamic transaction card;

generating, with a processor of the mobile device, alert data based on the account data and the user settings, the alert data comprising instructions to cause the transaction card to generate a visual display; and

transmitting, with the transceiver, the alert data from the mobile device to the transaction card.

10. The method of claim 9 , wherein the account data comprises at least one of a balance, a credit limit, a budget balance, or a transaction account.

11. The method of claim 10 , wherein the account data comprises alphanumeric values, and

wherein the alphanumeric account data is converted into at least one of a symbol, a representative color, or a representative blinking pattern by the transaction card.

12. The method of claim 9 , wherein visual impairment indicated by the user settings comprises at least one of nearsightedness, farsightedness, or glaucoma.

13. The method of claim 9 , wherein the alert data comprises instructions to generate a visual display comprising at least one of a symbol, a representative color, or a representative blinking pattern.

14. The method of claim 13 , wherein the instructions to generate a visual display correspond to at least one of a balance, a credit limit, a budget balance, or a transaction account.

15. A method comprising:

connecting, with a transceiver of a transaction card, to a mobile device;

receiving, at the transceiver, a request to initiate a transaction from a card reader;

receiving, at the transceiver, alert data from the mobile device, the alert data based on account data associated with the transaction card and user settings, the user settings indicating a visual impairment of a user of the mobile device; and

generating, on a screen of the transaction card, a visual display based on the alert data.

16. The method of claim 15 , wherein the account data comprises at least one of a balance, a credit limit, a budget balance, or a transaction account.

17. The method of claim 15 , wherein visual impairment indicated by the user settings comprises at least one of nearsightedness, farsightedness, or glaucoma.

18. The method of claim 15 , wherein the visual display comprises at least one of a symbol, a representative color, or a representative blinking pattern.

19. The method of claim 15 , wherein the account data comprises alphanumeric values, the method further comprising:

converting, at a processor of the transaction card, the alphanumeric account data into at least one of a symbol, a representative color, or a representative blinking pattern by the transaction card.

20. The method of claim 19 , wherein the transaction card stores the user settings indicating the visual impairment, the method further comprising:

storing user settings at the transaction card for use in subsequent transactions with the transaction card.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Mar 20, 2019
From: ZARAKAS, JAMES; MARKSON, THEODORE; KOEPPEL, ADAM; KELLY, KEVIN; BRIGGMAN, BRIAN; SANGI, SALEEM; WURMFELD, DAVID; LOCKE, TYLER; ESCALANTE, KARLA
To: CAPITAL ONE SERVICES, LLC
Reel/Frame 048651/0208 →
Continuity (5)
Division 15391921 · Dec 28, 2016
Continuation 15098585 · Apr 14, 2016
Provisional Application 62270669 · Dec 22, 2015
Provisional Application 62147568 · Apr 14, 2015
Related Publication 20190213579A1 · Jul 11, 2019