U.S. patent application number 17/804142 was filed with the patent office on 2022-09-08 for providing alerts via a color changing transaction card.
The applicant listed for this patent is Capital One Services, LLC. Invention is credited to Steve Blanchet, Kevin Osborn, Timur Sherif, Cara Weikel.
Application Number | 20220284255 17/804142 |
Document ID | / |
Family ID | 1000006362293 |
Filed Date | 2022-09-08 |
United States Patent
Application |
20220284255 |
Kind Code |
A1 |
Sherif; Timur ; et
al. |
September 8, 2022 |
Providing Alerts via a Color Changing Transaction Card
Abstract
Methods and systems disclosed herein may communicate
information, such as alerts and notifications, to a cardholder via
a color-changing transaction card. In particular, the cardholder
may configure one or more thresholds that establish when a
transaction card may change colors. For instance, a transaction
card may change colors at, or while approaching, a first threshold.
The transaction card may change colors at, or while approaching, a
second threshold. When the cardholder's balance goes below the
thresholds, the transaction card may revert back to the lower
threshold color or the original color of the transaction card.
Using the techniques described herein a financial institution may
convey information to a cardholder in a way that does not require
the cardholder to digitally engage with the financial
institution.
Inventors: |
Sherif; Timur; (Silver
Spring, MD) ; Weikel; Cara; (McLean, VA) ;
Blanchet; Steve; (Leesburg, VA) ; Osborn; Kevin;
(Newton Highlands, MA) |
|
Applicant: |
Name |
City |
State |
Country |
Type |
Capital One Services, LLC |
McLean |
VA |
US |
|
|
Family ID: |
1000006362293 |
Appl. No.: |
17/804142 |
Filed: |
May 26, 2022 |
Related U.S. Patent Documents
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Application
Number |
Filing Date |
Patent Number |
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17327854 |
May 24, 2021 |
11366995 |
|
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17804142 |
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16735782 |
Jan 7, 2020 |
11055593 |
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17327854 |
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Current U.S.
Class: |
1/1 |
Current CPC
Class: |
G06Q 20/342 20130101;
B42D 25/378 20141001; G07F 7/0833 20130101; G07F 7/0846 20130101;
G06Q 20/352 20130101; G06K 19/07707 20130101 |
International
Class: |
G06K 19/077 20060101
G06K019/077; G06Q 20/34 20060101 G06Q020/34; B42D 25/378 20060101
B42D025/378; G07F 7/08 20060101 G07F007/08 |
Claims
1. A transaction card comprising: a chip configured to: execute
signals received from a point-of-sale terminal; and receive, from
the point-of-sale terminal, a signal to change a color of the
transaction card; at least one liquid crystal field comprising: a
first electrode; a second electrode; and a liquid crystal disposed
between the first electrode and the second electrode; and a
transistor, communicatively coupled to the chip, to control a flow
of current from the first electrode to the second electrode,
wherein the flow of current from the first electrode to the second
electrode causes the liquid crystal to realign to change color.
2. The transaction card of claim 1, wherein the transistor closes
to allow the flow of current from the first electrode to the second
electrode in response to the signal to change the color of the
transaction card.
3. The transaction card of claim 1, wherein the liquid crystal
field is transparent in a passive state.
4. The transaction card of claim 1, wherein the first electrode and
the second electrode comprise transparent materials.
5. The transaction card of claim 1, wherein the first electrode
comprises an optically transparent material and the second
electrode comprises a material with a reflective coating.
6. The transaction card of claim 1, wherein the at least one liquid
crystal field changing color changes a color of the transaction
card.
7. The transaction card of claim 1, comprising: a first contact pad
and a second contact pad configured to receive a voltage to power
the transaction card.
8. The transaction card of claim 7, wherein the first contact pad
and the second contact pad are configured to receive signals from
the point-of-sale terminal.
9. The transaction card of claim 1, comprising: a short-range
wireless transceiver configured to receive a voltage to power the
transaction card and to receive signals from the point-of-sale
terminal.
10. The transaction card of claim 1, wherein the chip is configured
to receive, from a second point-of-sale terminal, a second signal,
wherein the second signal returns the transaction card to an
original color.
11. The transaction card of claim 1, wherein the signal to change
the color of the transaction card is received from a server
associated with an issuer of the transaction card.
12. The transaction card of claim 1, wherein the at least one
liquid crystal field changing color provides an alert to a
cardholder.
13. The transaction card of claim 12, wherein the alert comprises a
spending alert.
14. The transaction card of claim 12, wherein the chip is
configured to transmit the alert to a mobile device of the
cardholder.
15. The transaction card of claim 1, further comprising: a power
source configured to supply power to at least the chip and the at
least one liquid crystal field.
16. The transaction card of claim 15, wherein the power source
comprises an inductive coil to recharge the power source via
electromagnetic induction.
17. The transaction card of claim 1, wherein the first electrode
comprises: a glass substrate; and a doped film disposed on a first
surface of the glass substrate.
18. The transaction card of claim 17, wherein a polarizing filter
is located on a second surface of the glass substrate.
19. The transaction card of claim 1, wherein the second electrode
comprises: a glass substrate; and a doped film disposed on a first
surface of the glass substrate.
20. The transaction card of claim 19, wherein a polarizing filter
is located on a second surface of the glass substrate.
Description
CROSS-REFERENCE TO RELATED APPLICATONS
[0001] This application is a continuation of U.S Ser. No.
17/327,854, filed on May 24, 2021, which application is a
continuation of U.S. Ser. No. 16/735,782, filed on Jan. 7, 2020,
the entirety of which are incorporated herein by reference.
FIELD OF USE
[0002] Aspects of the disclosure relate generally to transaction
cards and more specifically to color changing transaction
cards.
BACKGROUND
[0003] When financial institutions wish to convey account
information to a cardholder, the cardholder, oftentimes, engages
with the financial institution through an app on their mobile
device, a website, or telephonically. This engagement typically
involves login procedures or entering account information to obtain
balances or spending limits. The entire process is time-consuming
and irritating. Moreover, attempts at conveying information via the
transaction card itself often fall short. In this regard,
transaction cards that convey information to a cardholder include a
power source built-in to the transaction card. However, when a
cardholder forgets to charge his/her transaction card, or the power
source is simply drained, the information may not be displayed to
the cardholder, thereby rendering the information sharing component
of the transaction card moot.
[0004] Aspects described herein may address these and other
problems, and generally improve the quality, efficiency, and speed
of conveying account information to a cardholder in a way that does
not require the cardholder to engage with a financial institution
or a power source incorporated in the transaction card.
SUMMARY
[0005] The following presents a simplified summary of various
aspects described herein. This summary is not an extensive
overview, and is not intended to identify key or critical elements
or to delineate the scope of the claims. The following summary
merely presents some concepts in a simplified form as an
introductory prelude to the more detailed description provided
below. Corresponding apparatus, systems, and computer-readable
media are also within the scope of the disclosure.
[0006] Methods and systems disclosed herein may communicate
information, such as alerts and notifications, to a cardholder via
a color-changing transaction card. In particular, the cardholder
may configure one or more thresholds that establish when a
transaction card may change colors. For instance, a transaction
card may change colors at, or while approaching, a first threshold.
The transaction card may change colors at, or while approaching, a
second threshold. When the cardholder's balance goes below the
thresholds, the transaction card may revert back to the lower
threshold color or the original color of the transaction card.
[0007] In order to realize the color-changing transaction card, the
present disclosure describes a plurality of embodiments. For
example, a microparticle-based medium may be used to effectuate the
color-change. In this regard, a microparticle-based medium may
apply an electrical charge to change the color of the transaction.
Further, the microparticle-based medium may not need a power source
located on the transaction card to make, and maintain, the color
change. In another example, one or more electrochemical cells may
be used to realize the color change. Similar to the
microparticle-based medium, the one or more electrochemical cells
may not require power on the transaction card to effectuate, and
maintain, the color change. In a final example, a liquid crystal
field may be used to effectuate a temporary color change.
Accordingly, using the techniques described herein a financial
institution may convey information to a cardholder in a way that
does not require the cardholder to digitally engage with the
financial institution.
[0008] These features, along with many others, are discussed in
greater detail below.
DESCRIPTION OF THE DRAWINGS
[0009] The present disclosure is described by way of example and
not limited in the accompanying figures in which like reference
numerals indicate similar elements and in which:
[0010] FIG. 1 shows an example of a system in which one or more
aspects described herein may be implemented;
[0011] FIG. 2 shows an example of a computing device in accordance
with one or more aspects of the disclosure;
[0012] FIG. 3 shows a color changing transaction card with a
microparticle-based medium in accordance with one or more aspects
of the disclosure;
[0013] FIG. 4 shows a microparticle-based medium according to one
or more aspects of the disclosure;
[0014] FIG. 5 shows a color changing transaction card with an
electrochemical cell in accordance with one or more aspects of the
disclosure;
[0015] FIG. 6 shows an electrochemical cell according to one or
more aspects of the disclosure;
[0016] FIG. 7 shows a color changing transaction card with a liquid
crystal field in accordance with one or more aspects of the
disclosure;
[0017] FIG. 8 shows a liquid crystal field according to one or more
aspects of the disclosure; and
[0018] FIG. 9 shows a flow chart of a process for changing the
color of a transaction card according to one or more aspects of the
disclosure.
DETAILED DESCRIPTION
[0019] In the following description of the various embodiments,
reference is made to the accompanying drawings, which form a part
hereof, and in which is shown by way of illustration various
embodiments in which aspects of the disclosure may be practiced. It
is to be understood that other embodiments may be utilized and
structural and functional modifications may be made without
departing from the scope of the present disclosure. Aspects of the
disclosure are capable of other embodiments and of being practiced
or being carried out in various ways. In addition, it is to be
understood that the phraseology and terminology used herein are for
the purpose of description and should not be regarded as limiting.
Rather, the phrases and terms used herein are to be given their
broadest interpretation and meaning.
[0020] By way of introduction, aspects discussed herein may relate
to methods and techniques for providing alerts and/or notifications
via a color changing transaction card. Traditional color-changing
transaction cards include a built-in power source. However, when a
cardholder forgets to charge his/her transaction card, or the power
source is simply drained, the transaction card will not change
colors, rendering any alerts and/or notifications moot.
[0021] Methods and systems disclosed herein may communicate
information, such as alerts and notifications, to a cardholder via
a color-changing transaction card that may not require a built-in
power source. The cardholder may configure, via a mobile app or a
website, one or more thresholds that establish when a transaction
card may change colors. For instance, a transaction card may change
colors at, or while approaching, a first threshold. The transaction
card may change colors at, or while approaching, a second
threshold. When the cardholder's balance goes below the thresholds,
the transaction card may revert back to the lower threshold color
or the original color of the transaction card.
[0022] In order to realize the color-changing transaction card, the
present disclosure describes a plurality of embodiments. For
example, a microparticle-based medium may be used to effectuate the
color-change. In this regard, a microparticle-based medium may
apply an electrical charge to change the color of the transaction.
Further, the microparticle-based medium may not need a power source
located on the transaction card to make, and maintain, the color
change. In another example, one or more electrochemical cells may
be used to realize the color change. Similar to the
microparticle-based medium, the one or more electrochemical cells
may not require power on the transaction card to effectuate, and
maintain, the color change. In a final example, a liquid crystal
field may be used to effectuate a temporary color change.
Accordingly, using the techniques described herein a financial
institution may convey information to a cardholder in a way that
does not require the cardholder to digitally engage with the
financial institution.
[0023] Oftentimes, there are several components at work when
transacting using a transaction card, such as a debit card or a
credit card. FIG. 1 shows a system 100 that illustrates several of
the components that may be found when conducting a transaction with
a transaction card. For example, system 100 shows transaction card
110 communicatively coupled to device 120 and card reader 130.
Additionally, system 100 shows device 120 and card reader 130
communicatively coupled to server 140, which may include database
150, via network 160.
[0024] Transaction card 110 may be any suitable card configured to
permit a cardholder to access funds in one or more of a
cardholder's account. In this regard, transaction card 110 may be a
credit card, a charge card, a debit card, a prepaid card, a payment
card, or the like. In some embodiments, transaction card 110 may
provide access to one or more types of accounts. For instance,
transaction card 110 may allow a cardholder to select from a credit
card option and/or a debit card option. As will be discussed in
greater detail with respect to FIG. 2, transaction card 110 may be
a chip- enabled card. In some embodiments, transaction card 110 may
include a magnetic strip, in addition to the chip. In further
embodiments, transaction card 110 may include near field
communication (NFC) capabilities, short-range wireless
communication capabilities (e.g., Bluetooth.RTM.), wireless
communication capabilities (e.g., Wi-Fi), or any combination
thereof. The NFC capabilities, short-range wireless communication
capabilities, wireless communication capabilities may be referred
to collectively as communication capabilities. These communication
capabilities may permit transaction card 110 to communicate with
device 120 and card reader 130. Additionally, transaction card 110
may include a color-changing mechanism, which is discussed in
greater detail below.
[0025] Device 120 may be a mobile device, such as a cellular phone,
a mobile phone, a smart phone, a tablet, a laptop, or the like.
Alternatively, device 120 may be any suitable internet-enabled
device, such as a smart speaker, smart television, or the like.
Device 120 may be configured to provide a first cardholder with
access to various applications and services. For example, device
120 may provide the first cardholder with access to the Internet.
Additionally, device 120 may provide the first cardholder with one
or more applications located thereon. The one or more applications
may provide the first cardholder with a plurality of tools and
access to a variety of services. In some embodiments, the one or
more applications may include an application, such as a banking
application or credit card application, that allows the first
cardholder to set up spending alerts and notifications. The alerts
and notifications may include push notifications, such as alert
122. Alternatively, or additionally, the alerts and notifications
may include configuring a color-changing mechanism on transaction
card 110. That is, the cardholder may configure the color-changing
mechanism on transaction card 110 to reflect the cardholder's
account status. In some embodiments, the cardholder may define, via
an application on device 120 or by accessing his/her account via a
website, a first threshold at which transaction card 110 may change
from a first color to a second color, and the cardholder may set a
second threshold at which transaction card 110 may change from the
second color to a third color. In some embodiments, the color
change may occur when the cardholder approaches the threshold
values. For example, a cardholder may have a credit limit of $5000
and define the first threshold at $3000 and the second threshold at
$4000. When the cardholder spends more than $3000 in a billing
cycle (e.g. a month), transaction card 110 may change from a first
color, such as green, to a second color, such as yellow. Similarly,
if the cardholder's spending exceeds $4000, transaction card 110
may change from the second color (i.e. yellow) to a third color,
such as red. When the cardholder posts a payment to his/her card,
transaction card 110 may revert to a previous color. For instance,
if transaction card 110 is the third color and the cardholder makes
a payment that brings the cardholder's account below both
thresholds, transaction card 110 may change from the third color to
the first color. If the payment only lowers the cardholder's
account below the second threshold, transaction card 110 may change
from the third color to the second color.
[0026] In another example, the cardholder may configure the
color-changing to alert the cardholder when the cardholder's
balance goes below a certain amount, for example, when using a
debit card. In this regard, the first threshold may be set at a
$1000 and the second threshold at $500. Accordingly, when the
cardholder's account goes below $1000, transaction card 110 may
change from the first color to the second color. When the
cardholder's account is less than $500, the debit card may change
from the second color to the third color. Similar to the discussion
above, transaction card 110 may change from the third color to the
first color when the cardholder's account goes above both
thresholds, for example, if the cardholder receives a direct
deposit which brings his/her account above both thresholds.
[0027] It will be appreciated that the examples discussed above are
merely illustrative. In some instances, the first, second, and
third colors may be configurable by the cardholder. Additionally,
the cardholder may be able to establish more, or fewer,
thresholds.
[0028] In further examples, the cardholder may configure the
color-changing component of the transaction card to provide
security alerts. For instance, the transaction card may change
color, for example, in response to one or more indicators of fraud
being detected. The one or more indicators of fraud may be detected
by the card issuer. Further, the one or more indicators of fraud
may include, adding a new card holder, a phone number change, an
email change, a password change, unusual spending activity, etc.
The transaction card may change to a particular color to notify the
cardholder of security alert. Alternatively, the color of the
transaction card may be associated with the type of security alert.
That is, the color of the transaction card may be indicative of the
type of fraud indicator detected. For example, the transaction card
may change to a first color to notify the cardholder of a change to
their phone number and a second color to notify the cardholder of a
change to their email address.
[0029] Along similar lines, the cardholder may configure the
transaction card to change color in response to receiving a bill
and/or invoice. In some examples, the color change may be
indicative of overdue bills and/or invoices. In other examples, the
color change may be indicative of upcoming payments, such as
scheduled payments, automatic payments, and/or recurring payments.
Additionally, or alternatively, the transaction card may be
configured to change color, for example, after or in response to
receiving a communication from the card issuer. In this regard, the
color of the transaction card may indicate that the cardholder has
a communication waiting for them. The cardholder may then log-in
via a banking portal (e.g., via a mobile banking application or
website) to access the communication.
[0030] In yet another example, the cardholder may configure the
color-changing component of the transaction card to obfuscate
personally identifiable information (PII). The cardholder may
change the color of the transaction card to obfuscate the credit
card number, the cardholder's name, a security code, and/or the
expiration date of the transaction card. Additional examples may
allow the cardholder to change the color of the transaction card
for vanity purposes. Similarly, the cardholder may change the color
of the transaction card to indicate that the card is no longer
valid. The color may allow the cardholder to notify others that the
card is no longer valid and has been disposed of. Additionally, or
alternatively, the color of the transaction card may be changed to
indicate that a hold has been put on the cardholder's account or to
indicate that the card has been temporarily suspended. This may put
vendors on notice that the transaction card is invalid, stolen,
and/or a fake.
[0031] In some embodiments, the transaction card may change color
in response to detecting that a terminal, such as card reader 130
and/or device 120, has been tampered with. In this regard, the
transaction card may attempt to verify and/or authenticate the
terminal before transacting with it. If the verification and/or
authentication fails, the transaction card may determine that the
terminal has been tampered with and change colors to convey the
tampering to the cardholder.
[0032] It will further be appreciated that the examples discussed
above are merely illustrative, and the color-changing transaction
card may be configured to convey additional information to the
cardholder in a variety of ways.
[0033] Card reader 130 may be any suitable card reader capable of
reading data and/or information from transaction card 110. In this
regard, card reader 130 may be a chip-based reader, a
magnetic-based reader, an EMV reader, or any combination thereof.
Accordingly, card reader 130 may include a display, a keypad, and a
network interface. The display may present information to the
cardholder, such as the amount owed, the status of the transaction,
and whether the transaction has been approved or denied. Keypad may
allow a cardholder to input a PIN code, password, an amount for
withdrawal, and the like. Network interface may be a wired
connection, wireless connection, a short-range wireless connection,
an NFC connection, or any combination thereof. Network interface
may permit card reader 130 to communicate with server 140, via
network 160, for example, to authorize a transaction. Similarly,
network interface may permit card reader 130 to communicate with
transaction card 110 and/or device 120. In these instances, card
reader 130 may convey information related to the cardholder's
account to transaction card 110 and/or device 120.
[0034] Server 140 may be any server capable of executing banking
application 142. Additionally, server 140 may be communicatively
coupled to database 150. In this regard, first server 140 may be a
stand-alone server, a corporate server, or a server located in a
server farm or cloud-computer environment. According to some
examples, first server 140 may be a virtual server hosted on
hardware capable of supporting a plurality of virtual servers.
[0035] Banking application 142 may be server-based software
configured to provide cardholders with access to their account
information and perform routing banking functions. In some
embodiments, banking application 142 may be the server-based
software that corresponds to the client-based software executing on
device 120. Additionally, or alternatively, banking application 132
may provide cardholders access to their account information through
a website accessed by device 120 via network 160.
[0036] Database 150 may be configured to store information on
behalf of banking application 142. Banking information may include,
but is not limited to, personal information, account information,
and cardholder-preferences. Personal information may include a
cardholder's name, address, phone number (i.e., mobile number, home
number, business number, etc.), social security number, cardholder
name, password, employment information, family information, and any
other information that may be used to identify the first
cardholder. Account information may include account balances, bill
pay information, direct deposit information, wire transfer
information, statements, and the like. Cardholder-preferences may
define one or more spending thresholds, how cardholders receive
notifications and alerts, spending notifications, and the like.
Database 150 may include, but is not limited to, relational
databases, hierarchical databases, distributed databases, in-memory
databases, flat file databases, XML databases, NoSQL databases,
graph databases, and/or a combination thereof.
[0037] Network 160 may include any type of network. In this regard,
first network 160 may include the Internet, a local area network
(LAN), a wide area network (WAN), a wireless telecommunications
network, and/or any other communication network or combination
thereof. It will be appreciated that the network connections shown
are illustrative and any means of establishing a communications
link between the computers may be used. The existence of any of
various network protocols such as TCP/IP, Ethernet, FTP, HTTP and
the like, and of various wireless communication technologies such
as GSM, CDMA, WiFi, and LTE, is presumed, and the various computing
devices described herein may be configured to communicate using any
of these network protocols or technologies. The data transferred to
and from various computing devices in system 100 may include secure
and sensitive data, such as confidential documents, customer
personally identifiable information, and account data. Therefore,
it may be desirable to protect transmissions of such data using
secure network protocols and encryption, and/or to protect the
integrity of the data when stored on the various computing devices.
For example, a file-based integration scheme or a service-based
integration scheme may be utilized for transmitting data between
the various computing devices. Data may be transmitted using
various network communication protocols. Secure data transmission
protocols and/or encryption may be used in file transfers to
protect the integrity of the data, for example, File Transfer
Protocol (FTP), Secure File Transfer Protocol (SFTP), and/or Pretty
Good Privacy (PGP) encryption. In many embodiments, one or more web
services may be implemented within the various computing devices.
Web services may be accessed by authorized external devices and
cardholders to support input, extraction, and manipulation of data
between the various computing devices in the system 100. Web
services built to support a personalized display system may be
cross-domain and/or cross-platform, and may be built for enterprise
use. Data may be transmitted using the Secure Sockets Layer (SSL)
or Transport Layer Security (TLS) protocol to provide secure
connections between the computing devices. Web services may be
implemented using the WS-Security standard, providing for secure
SOAP messages using XML encryption. Specialized hardware may be
used to provide secure web services. For example, secure network
appliances may include built-in features such as
hardware-accelerated SSL and HTTPS, WS-Security, and/or firewalls.
Such specialized hardware may be installed and configured in system
100 in front of one or more computing devices such that any
external devices may communicate directly with the specialized
hardware.
[0038] Any of the devices and systems described herein may be
implemented, in whole or in part, using one or more computing
systems described with respect to FIG. 2. Turning now to FIG. 2, a
computing device 200 that may be used with one or more of the
computational systems is described. The computing device 200 may
include a processor 203 for controlling overall operation of the
computing device 200 and its associated components, including RAM
205, ROM 207, input/output device 209, accelerometer 211,
global-position system antenna 213, memory 215, and/or
communication interface 223. A data bus may interconnect
processor(s) 203, RAM 205, ROM 207, memory 215, I/O device 209,
accelerometer 211, global-position system receiver/antenna 213,
memory 215, and/or communication interface 223. In some
embodiments, computing device 200 may represent, be incorporated
in, and/or include various devices such as a desktop computer, a
computer server, a mobile device, such as a laptop computer, a
tablet computer, a smart phone, any other types of mobile computing
devices, electronic terminals, transactional terminals, and the
like, and/or any other type of data processing device.
[0039] Input/output (I/O) device 209 may include a microphone,
keypad, touch screen, and/or stylus through which a cardholder of
the computing device 200 may provide input, and may also include
one or more of a speaker for providing audio output and a video
display device for providing textual, audiovisual, and/or graphical
output. In some embodiments, I/O device 209 may include an image
capture device.
[0040] Software may be stored within memory 215 to provide
instructions to processor 203 allowing computing device 200 to
perform various actions. For example, memory 215 may store software
used by the computing device 200, such as an operating system 217,
application programs 219, and/or an associated internal database
221. The various hardware memory units in memory 215 may include
volatile and nonvolatile, removable and non-removable media
implemented in any method or technology for storage of information
such as computer-readable instructions, data structures, program
modules, or other data. Memory 215 may include one or more physical
persistent memory devices and/or one or more non-persistent memory
devices. Memory 215 may include, but is not limited to, random
access memory (RAM) 205, read only memory (ROM) 207, electronically
erasable programmable read only memory (EEPROM), flash memory or
other memory technology, optical disk storage, magnetic cassettes,
magnetic tape, magnetic disk storage or other magnetic storage
devices, or any other medium that may be used to store the desired
information and that may be accessed by processor 203.
[0041] Accelerometer 211 may be a sensor configured to measure
accelerating forces of computing device 200. Accelerometer 211 may
be an electromechanical device. Accelerometer may be used to
measure the tilting motion and/or orientation computing device 200,
movement of computing device 200, and/or vibrations of computing
device 200. The acceleration forces may be transmitted to the
processor to process the acceleration forces and determine the
state of computing device 200.
[0042] GPS receiver/antenna 213 may be configured to receive one or
more signals from one or more global positioning satellites to
determine a geographic location of computing device 200. The
geographic location provided by GPS receiver/antenna 213 may be
used for navigation, tracking, and positioning applications. In
this regard, the geographic may also include places and routes
frequented by the first cardholder. In the context of a banking
application, GPS receiver/antenna 213 may be used to locate one or
more banking locations.
[0043] Communication interface 223 may include one or more
transceivers, digital signal processors, and/or additional
circuitry and software for communicating via any network, wired or
wireless, using any protocol as described herein. Communication
interface 223 may also include near field communication (NFC)
capabilities, short-range wireless communication capabilities
(e.g., Bluetooth.RTM.), wireless communication capabilities (e.g.,
Wi-Fi), or any combination thereof.
[0044] Processor 203 may include a single central processing unit
(CPU), which may be a single-core or multi-core processor, or may
include multiple CPUs. Processor(s) 203 and associated components
may allow the computing device 200 to execute a series of
computer-readable instructions to perform some or all of the
processes described herein. Although not shown in FIG. 2, various
elements within memory 215 or other components in computing device
200, may include one or more caches, for example, CPU caches used
by the processor 203, page caches used by the operating system 217,
disk caches of a hard drive, and/or database caches used to cache
content from database 221. For embodiments including a CPU cache,
the CPU cache may be used by one or more processors 203 to reduce
memory latency and access time. A processor 203 may retrieve data
from or write data to the CPU cache rather than reading/writing to
memory 215, which may improve the speed of these operations. In
some examples, a database cache may be created in which certain
data from a database 221 is cached in a separate smaller database
in a memory separate from the database, such as in RAM 205 or on a
separate computing device. For instance, in a multi-tiered
application, a database cache on an application server may reduce
data retrieval and data manipulation time by not needing to
communicate over a network with a back-end database server. These
types of caches and others may be included in various embodiments,
and may provide potential advantages in certain implementations of
devices, systems, and methods described herein, such as faster
response times and less dependence on network conditions when
transmitting and receiving data.
[0045] Although various components of computing device 200 are
described separately, functionality of the various components may
be combined and/or performed by a single component and/or multiple
computing devices in communication without departing from the
invention.
[0046] A transaction card may include a color-changing mechanism to
provide one or more alerts to a cardholder. As discussed above, the
alerts may indicate that the account has gone above a spending
threshold set by the cardholder. Alternatively, the alerts may
indicate when an account balance has gone below a certain amount,
such as debit card transactions. The following embodiments
described several techniques for effectuating the color changing
mechanism.
Microparticle-Based Medium
[0047] Color-changing transaction cards may include a power source
built-in to the card to effectuate the color change. If, however, a
cardholder forgets to charge his/her card or the power source is
simply drained, the color change may not occur, thereby rendering
the cardholder's alerts moot. In order to overcome the shortcomings
of prior color-changing transaction cards, the present embodiment
may provide a microparticle-based medium, such as those found in e
ink and e paper applications, to effectuate a color change that may
not require a power source located on the transaction card. FIG. 3
shows a color changing transaction card with a microparticle-based
medium in accordance with one or more aspects of the
disclosure.
[0048] Turning to FIG. 3, transaction card 110 is shown.
Transaction card 110 may be of a standard size and made of a
substrate, such as plastic, metal, etc. Transaction card 110 may
include chip 310, microparticle-based medium 320, and transceiver
330.
[0049] Chip 310 may be a smart chip or integrated circuit. In this
regard, chip 310 may include a microprocessor and memory, such as
read only memory (ROM) and random access memory (RAM).
Additionally, chip 310 may include one or more contact pads to
receive voltage to power the transaction card and exchange signals
with a terminal, such as device 120 and/or card reader 130. In some
instances, chip 310 may apply a voltage and/or signal received from
device 120 and/or card reader 130 to microparticle-based medium 320
to change a color of transaction card 110. As will be explained in
greater detail below, chip 310 may activate individual
microcapsules, or pixels, of microparticle-based medium 330 to
generate a color and/or image. In some embodiments, transaction
card 110 may include a separate interface (not show) to receive
voltage to power the microparticle-based medium 320. Additionally,
or alternatively, chip 310 may be configured to execute one or more
applications. The applications may allow chip 310 to process
payments, for example, using a payment application. In other
examples, the applications may allow chip 310 to perform
cryptographic processing, authenticate transaction card 110, define
risk management parameters (e.g., when the transaction may be
conducted offline), digitally sign payment data, and verify the
cardholder. In some embodiments, chip 310 may be a dual interface
chip that provides for contact and contact-less interfaces.
[0050] Microparticle-based medium 320 may be any display that
realizes a contrast due to the electromigration of microparticles
contained in one or more microcapsules located in
microparticle-based medium 320. In this regard, the microparticles
may be electrically charged or polarized particles. Further,
instead of microparticles, each microcapsule may contain at least a
first plurality of nanoparticles of a first pigment and a second
plurality of nanoparticles of a second pigment. A relatively low
power (i.e. 1-3V DC) may cause microparticles in one or more
capsules of a microparticle-based medium to rearrange themselves to
provide an image with high contrast and high reflectivity. In some
embodiments, the microparticles may be black and white. That is,
each microcapsule in microparticle-based medium 320 may include a
plurality of black microparticles and a plurality of white
microparticles suspended in a transparent fluid, such as an oil.
The black and white microparticles may be used to generate
black-and-white or grayscale images to alert the cardholder. For
example, the images may be akin to traffic signs, with a triangle
cautioning the cardholder about crossing a first threshold and an
octagon (e.g. stop sign) may be used to indicate the cardholder
crossing a second threshold. In some embodiments, the
microparticles may be a plurality of colors, such as those found in
the CMYK or RGB color models. For instance, there may be four
colors of microparticles: cyan, magenta, yellow, and a key color,
such as black or white. These four colors may generate hundreds of
other colors. Accordingly, microparticle-based medium 320 may
generate a plurality of colors to provide alerts and/or
notifications to the cardholder. In operation, microparticle-based
medium 320 may generate the same color as transaction card 110. In
some instances, microparticle-based medium 320 may generate no
color at all, such that the substrate (i.e. plastic or metal) may
be presented. However, when a first threshold is met,
microparticle-based medium may generate a first color, such as a
cautionary color (i.e. yellow), and a second color, such as red,
when a second threshold is met. While microparticle-based medium
310 is shown as a part of transaction card 110, it will be
appreciated that microparticle-based medium 310 may comprise a
substantial portion (i.e. .gtoreq.51%), or the entirety, of
transaction card 110. The components of microparticle-based medium
320 will be discussed in greater detail below with respect to FIG.
4.
[0051] In alternative embodiments, the plurality of microparticles
may be magnetically charged. In these embodiments, first electrode
layer 420 and second electrode layer 440 may be configured to
generate a magnetic field that causes the plurality of
microparticles to migrate. In this regard, a first magnetic field
may cause the microcapsule to present the first plurality of
microparticles and a second magnetic field may cause the
microcapsule to present the second plurality of microparticles. The
first magnetic field and the second magnetic field may be generated
in response to a signal received from chip 310. Alternatively, or
additionally, the first magnetic field and the second magnetic
field may be generated from a terminal, such as device 120 and/or
card reader 130.
[0052] Transceiver 330 may be configured to exchange signals with a
terminal. In some embodiments, transceiver 330 may include an
antenna or other communication capabilities, such as NFC, Wi-Fi,
and Bluetooth.RTM.. Transceiver 330 may be configured to permit
transaction card 110 to communicate with card reader 130 and/or
device 120. In other embodiments, transceiver 330 may comprise a
short-range wireless transceiver configured to receive the voltage
to power the transaction card and exchange signals with card reader
130 and/or device 120.
[0053] Microparticle-based medium 320 may be preferred over
traditional color-changing techniques because microparticle-based
medium 310 may effectuate a color change via a one-time voltage
application, whereas traditional color-changing techniques may
require a power source to be located on the transaction card. FIG.
4 shows a microparticle-based medium according to one or more
aspects of the disclosure.
[0054] Turning to FIG. 4, microparticle-base display 320 may be
disposed between a first substrate layer 410 and a second substrate
layer 450. First substrate layer 410 and second substrate layer 450
may be the same material that transaction card 110 is made of. For
example, first substrate layer 410 and second substrate layer 450
may be plastic, metal, or an equivalent material used in the
manufacture of transaction cards. Alternatively, first substrate
layer 410 and second substrate layer 450 may be transparent films.
In some embodiments, first substrate layer 410 may be a transparent
film and second substrate layer 420 may be the same material used
in the manufacture of transaction card 110. In these examples,
first substrate layer 410 may include a color filter overlay
producing various shades and/or hues of the image or color
generated by microparticle-base display 320.
[0055] Microparticle-based medium 320 may include a first electrode
layer 420, a second electrode layer 440, and a plurality of
microcapsules 430 disposed between first electrode layer 420 and
second electrode layer 440. First electrode layer 420 may comprise
a transparent material. For example, first electrode layer 420 may
comprise transparent conducting films, like indium tin oxide (ITO),
fluorine doped tin oxide (FTO), doped zinc oxide, transparent
conductive oxides (TCO), conductive polymers, metal grids, carbon
nanotubes, graphene, nanowire meshes, ultra-thin metal films, or
any equivalents. Second electrode layer 440 may also comprise a
transparent material, such as the transparent conducting films
discussed above. Alternatively, second electrode layer 440 may
include an electrode pixel layer, which may define a plurality of
contact pads or plates for each of the plurality of microcapsules.
FIG. 4 illustrates an example of a first contact pad 442 and a
first second contact pad 444 for first microcapsule 430. An
electrode pixel layer may provide a plurality of lead lines
arranged in a grid pattern for more granular control for individual
microcapsules. In this regard, the electrode pixel layer may
generate one or more electrical fields that cause the
microparticle-based medium to present one or more colors. For
example, electrode pixel layer may cause a first color to be
presented by a first microcapsule and a second color to be
presented by a second microcapsule that may be adjacent to the
first microcapsule. For example, first contact pad 442 and second
contact pad 444 may generate a first electrical charge that
generates the electrical field, which may cause the first
microcapsule to present a first plurality of microparticles of a
first pigment, while a third contact pad 446 and a fourth contact
pad 448 may generate a second electrical field from a second
electrical charge, different from the first electrical charge, that
causes second microcapsule to present a second plurality of
microparticles of a second pigment. In some embodiments, first
contact pad 442 and second contact pad 444 may have different
electrical charges, which may cause first microcapsule to present a
combination of the first plurality of microparticles of the first
pigment and the second plurality of microparticles of the second
pigments. Accordingly, the electrode pixel layer may be used to
generate various shades and hues of colors, as well as images. In
some embodiments, first contact pad 442 may be located in first
electrode layer 420 and second contact pad 444 may be located in
second electrode layer 440.
[0056] In order to generate the colors, one or more electrical
charges may be applied to second electrode layer 440 that causes
the migration of microparticles contained in the microcapsules to
rearrange. Microcapsule 430 illustrates one example of the
plurality of microcapsules described herein. In this regard,
microcapsule 430 may be made of a transparent material and include
a first plurality of microparticles 432, a second plurality of
microparticles 434, and a transparent fluid 436. Transparent fluid
436 may be any suitable fluid that allows for the rearrangement
and/or movement of first plurality of microparticles 432 and second
plurality of microparticles 434, such as a transparent oil or an
electrolyte.
[0057] First plurality of microparticles 432 may be a first pigment
(i.e. color), while second plurality of microparticles 434 may be a
second pigment different from the first. Applying an electrical
charge may cause the first plurality of microparticles 432 and
second plurality of microparticles 434 to rearrange to produce a
color or image. For example, a first electrical charge may cause
the first plurality of microparticles of the first pigment to be
displayed. Similarly, a second electrical charge may cause the
second plurality of microparticles of the second pigment to be
displayed. In some embodiments, a third electrical charge may cause
a combination of the first plurality of microparticles and the
second plurality of microparticles to be displayed. By applying
various voltages and electrical charges to rearrange the
microparticles, all, or a portion, of transaction card 110 may
appear as the color associated with the microparticles displayed
via microparticle-based medium 320. As noted above, first
microcapsule 430 may include a third plurality of microparticles of
a third pigment and a fourth plurality of microparticles of a
fourth pigment. In these examples, the microparticles may be cyan,
magenta, yellow, and white, which may be used to generate a
plurality of colors and/or images.
[0058] As discussed above, using microparticle-based medium, such
as those found in e ink and e paper applications, to effectuate a
color change in a transaction card represents an improvement over
traditional color changing transaction cards that require a power
source. In this regard, applying a first voltage or electrical
charge, such as one received from device 120 and/or card reader
130, may change the color of transaction card 110. Transaction card
110 may remain the color until transaction card 110 receives a
second voltage or electrical charge. Moreover, microparticle-based
medium does not require a power sourced on transaction card 110 to
maintain the color. Thus, the color will not revert back to a
previous color if the power source is drained or a cardholder
forgets to charge the card.
Electrochemical Cell
[0059] In some embodiments, a transaction card may include an
electrochemical cell. In this regard, electrochemical cells may
effectuate a quick color-change (i.e., .about.200 ms) using low
voltage (i.e., .about.1-3V DC). Furthermore, little, or no, power
may be required to maintain the color-change. This is known as
memory effect. The present embodiment describes the use of an
electrochemical cell to change a color on a transaction card. FIG.
5 shows a color changing transaction card 110 with an
electrochromic cell in accordance with one or more aspects of the
disclosure.
[0060] Turning to FIG. 5, transaction card 110 is shown.
Transaction card 110 may include chip 510, power source 520,
electrochemical cell 530, and transceiver 540. As noted above,
transaction card 110 may be of a standard size and made of a
substrate, such as plastic, metal, etc.
[0061] Chip 510 may be similar to chip 310 described above. In this
regard, chip 510 may be a smart chip or integrated circuit that
includes a microprocessor and memory. Further, chip 510 may include
one or more contact pads to receive voltage to power the
transaction card and exchange signals with a terminal. Like chip
310, chip 510 may apply a voltage and/or signal received from
device 120 and/or card reader 130 to electrochemical cell 530 to
change a color of transaction card 110.
[0062] Power source 520 may be a battery or some other portable
power supply capable of providing power to transaction card 110. In
some instances, transaction card 110 may include a charging port
(not shown) to receive a cable to supply power to recharge power
source 520. In other embodiments, power source 520 may include an
inductive coil to recharge the power supply via electromagnetic
induction. In still further embodiments, power source 520 may
include one or more solar cells configured to provide power to
transaction card 110.
[0063] Electrochemical cell 530 may be any mechanism that generates
a color in response to an electrical charge or current being
applied thereto. As noted above, a relatively low power (i.e. 1-3V
DC) may cause a chemical reaction that generates a color. In some
embodiments, a plurality of electrochemical cells may be located on
transaction card 110, with each electrochemical cell generating a
different color. For example, a first electrochemical cell may
generate a first color, a second electrochemical cell may generate
a second color, and so on. The plurality of electrochemical cells
may be used to provide different alerts and notifications to the
cardholder. The details of electrochemical cell 530 will be
discussed in greater detail below with respect to FIG. 6.
[0064] Like transceiver 330, transceiver 530 may be configured to
receive a voltage to power transaction card 110 and exchange
signals with device 120 and/or card reader 130. Transceiver 530 may
include an antenna or other communication capabilities, such as
NFC, Wi-Fi, and Bluetooth.RTM.. In other embodiments, transceiver
530 may comprise a short-range wireless transceiver configured to
receive the voltage to power the transaction card and exchange
signals with device 120 and/or card reader 130.
[0065] Electrochemical cell 530 may be preferred over traditional
color-changing techniques because electrochemical cell 530 may
effectuate a color change via a one-time voltage application and
require little to no power to maintain the color change. FIG. 6
shows an electrochemical cell according to one or more aspects of
the disclosure.
[0066] Turning to FIG. 6, electrochemical cell 530 may be disposed
between a first substrate layer 610 and a second substrate layer
670. Like the substrate layers described above, first substrate
layer 610 and second substrate layer 670 may be the same material
as transaction card 110. Alternatively, first substrate layer 610
and second substrate layer 670 may be transparent films. In some
embodiments, first substrate layer 610 may be a transparent film
and second substrate layer 670 may be the same material used in the
manufacture of transaction card 110.
[0067] Electrochemical cell 530 may include a first electrode layer
620, a doped film 630 on a surface of first electrode layer 620, a
second electrode layer 660, an electrochromic film 650, and a
conductive material 640 disposed between doped film 630 on first
electrode layer 620 and the electrochromic film 650 on second
electrode layer 660. Electrochemical cell 530 may include a
transistor 680, or switch, that may be closed to enable the flow of
current from first electrode layer 620, through electrochromic
material 640, to second electrode layer 660 to effectuate the color
change. In some embodiments, transistor 680 may be communicatively
coupled to chip 510. In this regard, chip 510 may provide a signal
that closes transistor 680 to enable the flow of current from first
electrode layer 620 to second electrode layer 660. In alternative
embodiments, doped film 630 and electrochromic film 650 may be
eliminated, and conductive material 640 may be replaced with an
electrochromic material disposed between first electrode layer 620
and second electrode layer 660. The electrochromic material may be
tungsten oxide (WO.sub.3), molybdenum oxide, a viologen (e.g.
4,4'--bipyridine), an electrochromic polymer (ECPs), a metal
coordination complex (e.g. 2,2'--bipyridine), or any equivalent
thereof.
[0068] First electrode layer 620 may be made of a transparent
material, such as a transparent conducting film. In some
embodiments, second electrode layer 660 may also comprise a
transparent material. Alternatively, second electrode layer 660 may
include a material with a reflective coating. In some embodiments,
first electrode layer 620 and second electrode layer 660 may be
made of a thin film, such as polyethylene terephthalate (PET), that
has been doped with a conductive metal, such as tin, fluorine,
antimony, or an equivalent thereof.
[0069] In some embodiments, first electrode layer 620 may include
doped film 630 on one surface, preferably the surface proximate to
conductive material 640. Similarly, second electrode layer 660 may
include electrochromic film 650 disposed on one surface. In
alternative embodiments, second electrode layer may be made of a
reflective material, or a material with a reflective coasting.
Electrochromic film 650 may be disposed on the surface proximate to
conductive material 640. In some embodiments, the conductive
material includes an electrolyte in liquid, gel, or solid form. In
operation, transistor 680 may close, enabling a current to flow
from first electrode layer 620 and doped film 630, through
conductive material 640, and to electrochromic film 650 and second
electrode layer 660. In some embodiments, electrochromic cell may
be capable of switching between a plurality of colors in response
to different currents. For example, a first current, or electrical
charge, may cause electrochromic cell to generate a first color,
while a second current, or electrical charge, may cause
electrochromic cell to generate a second color different from the
first color. Alternatively, or additionally, a plurality of
electrochromic cells may be disposed on transaction card 110. A
first set of one or more of the plurality of electrochromic cells
may be configured to generate a first color and, therefore, provide
a first alert to the cardholder; while a second set of one or more
of the plurality of electrochromic cells may be configured to
generate a second color and, therefore, provide a second alert to
the cardholder. Additional sets of electrochromic cells may be used
to provide different colors and/or images and alerts to the
cardholder.
[0070] An electrochemical cell to change the color of a transaction
card as part of an alert to the cardholder represents an
improvement over traditional color-changing transaction cards since
the color change may be realized using a low voltage and the color
change may remain in effect with little to no power. As noted
above, traditional color-changing transaction cards require a power
source to change and maintain a change in color. An electrochemical
cell requires little power to change the color, and little to no
power to maintain the color change. Thus, using an electrochemical
cell to change the color of a transaction card to provide an alert
to a cardholder will not revert back to a previous color if the
power source is drained or when a cardholder forgets to charge the
transaction card.
Liquid Crystal Field
[0071] In alternative embodiments, transaction card 110 may include
a liquid crystal field. Liquid crystal fields may effectuate a
temporary color-change to provide alerts and/or notifications to a
cardholder. In the current embodiment, a transaction card with a
liquid crystal field is described to provide a cardholder with an
alert and/or notification. FIG. 7 shows a color changing
transaction card 110 with a liquid crystal field in accordance with
one or more aspects of the disclosure.
[0072] Turning to FIG. 7, transaction card 110 is shown.
Transaction card 110 may include chip 710, power source 720, liquid
crystal field 730, and transceiver 740. As noted above, transaction
card 110 may be of a standard size and made of a substrate, such as
plastic, metal, etc.
[0073] Chip 710 may be similar to chips described above. In this
regard, chip 710 may include one or more contact pads to receive
voltage to power transaction card 110 and exchange signals with
device 120 and/or card reader 130. Further, chip 710 may apply a
voltage and/or signal, received from device 120 and/or card reader
130, to liquid crystal field 730 to generate an alert and/or
notification. In this regard, the alert and/or notification may be
a color, an image, a pattern, or any combination thereof.
[0074] Power source 720 may be similar to the power source
discussed above. In this regard, power source 720 may include a
battery or some other portable power supply capable of providing
power to transaction card 110. Transaction card 110 may include a
charging port (not shown) to receive a cable to supply power to
recharge power source 720. Alternatively, or additionally, power
source 720 may include an inductive coil to recharge the power
supply via electromagnetic induction. Power source 720 may include
one or more solar cells configured to provide power to transaction
card 110.
[0075] Liquid crystal field 730 may be any mechanism that
manipulates a field of liquid crystals to generate a color, an
image, a pattern, or an equivalent thereof. In this regard, liquid
crystal field 730 may provide a temporary alert and/or notification
to a cardholder. For example, when power is applied to liquid
crystal field 730, for example--in response to a signal received
from chip 710, device 120, card reader 130, or any combination
thereof, liquid crystal field 730 may generate a color, image,
pattern, or equivalent thereof that conveys the alert to the
cardholder. When the power is removed, liquid crystal field 730 may
return to a passive state. The passive state may be one in which
liquid crystal field 730 does not display any color. In this
regard, liquid crystal field 730 may be transparent, allowing the
card material to be viewed through liquid crystal field 730. The
components of liquid crystal field 730 will be discussed in greater
detail below with respect to FIG. 8.
[0076] Similar to the transceivers described above, transceiver 740
may be configured to receive a voltage to power transaction card
110 and exchange signals with device 120 and/or card reader 130.
Accordingly, transceiver 740 may include an antenna, a short-range
wireless transceiver, or other communication capabilities, such as
NFC, Wi-Fi, and Bluetooth.RTM..
[0077] Turning to FIG. 8, liquid crystal field 730 may be disposed
between a first substrate layer 810 and a second substrate layer
860. First substrate layer 810 may be a transparent film. In some
embodiments, first substrate layer 810 may be a polarizing filter
film. For example, the polarizing filter film may include a
vertical axis to polarize light as it enters liquid crystal field
730. Second substrate layer 860 may be the same material as
transaction card 110. Alternatively, second substrate layer 860 may
comprise a reflective surface. In further embodiments, second
substrate layer 860 may be a light source. Additionally, or
alternatively, second substrate layer 860 may have a polarizing
film, such as film 850, disposed on a surface thereof. Film 850 may
be a polarizing filter film in the horizontal axis.
[0078] First electrode 820, liquid crystal 830, and second
electrode 840 may be located between first substrate layer 810 and
second substrate layer 860. Transistor 870 may be communicatively
coupled to first electrode 820, second electrode 840, and chip 710.
In some embodiment, transistor 870 may be a switch configured to
allow the flow of current from first electrode 820 to second
electrode 840, which causes liquid crystal 830 to realign to change
a color or generate an image or pattern. Transistor 870 may close,
thereby allowing the current to flow between the electrodes, in
response to a signal received from chip 710, device 120, card
reader 130, or any combination thereof.
[0079] First electrode layer 820 may be made of a transparent
material, such as glass or a transparent conducting film. In some
instances, first electrode layer 820 includes a glass substrate and
a doped film on a surface of the glass substrate. The other surface
of the glass substrate may comprise first substrate layer 810.
Similarly, second electrode layer 840 may also comprise a
transparent material. In some embodiments, second electrode layer
840 may be made of glass and have a doped film located on a surface
thereof.
[0080] Using a liquid crystal field to provide an alert and/or
notification to a cardholder represents an improvement over
traditional color-changing transaction cards. Liquid crystal fields
may effectuate a temporary color-change to provide alerts and/or
notifications to a cardholder. In the current embodiment, a
transaction card with a liquid crystal field is described to
provide a cardholder with an alert and/or notification.
[0081] Given the embodiments discussed above, an exchange of
signals may occur between transaction card 110 and either device
120 and/or card reader 130. FIG. 9 shows a flow chart of a process
900 for changing the color of a transaction card according to one
or more aspects of the disclosure. Some or all of the steps of
process 900 may be performed using the transaction card and/or one
or more computing devices described herein.
[0082] Process 900 begins in block 910, with transaction card 110
receiving a transaction decision. As noted above, transaction card
110 may process payments, perform cryptographic processing,
authenticate transaction card 110, define risk management
parameters, digitally sign payment data, and verify the cardholder.
While transaction card 110 may perform several functions, the
transaction decision may come from device 120, card reader 130,
server 140, or any combination thereof. In some embodiments, the
transaction decision may be an approval or a denial. In block 920,
transaction card 110 may also receive a command The command may
come from an application running on device 120, card reader 130,
server 140, or any combination thereof. In some embodiments, the
command may indicate that the cardholder has exceeded one or more
of their thresholds. Accordingly, the command may prompt the
transaction card to change one or more colors to provide a
notification to the cardholder that the cardholder has exceeded one
or more of the thresholds. Alternatively, the command may indicate
that the cardholder has gone below one or more of their thresholds.
In this instances, the command may prompt the transaction card to
clear any alerts and/or notifications and have the card return to
its manufactured color. In some embodiments, the command may
include a voltage or power to effectuate the color change. The
voltage, or power, may come from device 120, card reader 130, a
power source located on the transaction card, or any combination
thereof. In block 930, transaction card 110 may apply the voltage
to the color-changing mechanism. As discussed above, this may
prompt all, or part, of transaction card 110 to change from a first
color to a second color in block 940. This color change may remain
in effect until transaction card 110 receives another command to
change the color of the transaction card. Alternatively, the color
change may have a temporary effect. For example, the color change
may be a momentary change to alert and/or notify the cardholder,
which eventually returns the transaction card to its manufactured
color.
[0083] While the above-described process has been described as
changing the color of a transaction card in response to a
determination that one or more thresholds have been met or
exceeded, it will be appreciated that process 900 may be repeated
each time that the cardholder crosses one or more thresholds, in
either direction. Accordingly, the transaction card may be used to
indicate when the cardholder has exceeded their spending limits
and/or their account has gone below a certain amount.
Alternatively, the transaction card may also be used to indicate
when the cardholder's balance has gone below one or more thresholds
or their account balance has gone above a designated amount.
[0084] By including a color-changing mechanism on a transaction
card, a cardholder may have a better understanding of their
spending habits and their account balances. Additionally, the
techniques described herein may improve the communications that a
cardholder has with their financial institution. Accordingly, a
transaction card that is capable of providing one or more alerts
via a color-changing mechanism located on the card may make the
cardholder more fiscally responsible. Furthermore, having the
capability of effectuating and maintaining the color change without
a power supply built-in improves over existing designs that require
a power supply and are incapable of providing alerts and/or
notifications when the power supply is exhausted.
[0085] While the embodiments discussed above describe a
color-changing transaction card, it will be appreciated that the
embodiments, technologies, systems, and methods described herein
may have applicability to other areas. For example, the
color-changing techniques described herein may be implemented in a
corporate identifier card (e.g., smart card). In this regard,
different colors may be used to designate employees, contractors,
and/or visitors. Furthermore, the color-changing corporate
identifier card may be used to indicate when an employee has been
terminated and the card is no longer valid. In another example, the
color changing components described herein may be used on
government issued IDs, such as a driver licenses and passports. The
color changing techniques may be used to identify and label
fraudulent government IDs. These examples should be interpreted as
merely illustrative and one skilled in the art would recognize the
general applicability of the techniques described herein.
[0086] One or more aspects discussed herein may be embodied in
computer-usable or readable data and/or computer-executable
instructions, such as in one or more program modules, executed by
one or more computers or other devices as described herein.
Generally, program modules include routines, programs, objects,
components, data structures, and the like. that perform particular
tasks or implement particular abstract data types when executed by
a processor in a computer or other device. The modules may be
written in a source code programming language that is subsequently
compiled for execution, or may be written in a scripting language
such as (but not limited to) HTML or XML. The computer executable
instructions may be stored on a computer readable medium such as a
hard disk, optical disk, removable storage media, solid-state
memory, RAM, and the like. As will be appreciated by one of skill
in the art, the functionality of the program modules may be
combined or distributed as desired in various embodiments. In
addition, the functionality may be embodied in whole or in part in
firmware or hardware equivalents such as integrated circuits, field
programmable gate arrays (FPGA), and the like. Particular data
structures may be used to more effectively implement one or more
aspects discussed herein, and such data structures are contemplated
within the scope of computer executable instructions and
computer-usable data described herein. Various aspects discussed
herein may be embodied as a method, a computing device, a system,
and/or a computer program product.
[0087] Although the present invention has been described in certain
specific aspects, many additional modifications and variations
would be apparent to those skilled in the art. In particular, any
of the various processes described above may be performed in
alternative sequences and/or in parallel (on different computing
devices) in order to achieve similar results in a manner that is
more appropriate to the requirements of a specific application. It
is therefore to be understood that the present invention may be
practiced otherwise than specifically described without departing
from the scope and spirit of the present invention. Thus,
embodiments of the present invention should be considered in all
respects as illustrative and not restrictive. Accordingly, the
scope of the invention should be determined not by the embodiments
illustrated, but by the appended claims and their equivalents.
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