Erasable Reusable Check Using OLED Display and Microchip

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Solution Overview

Problem

The constant need to reorder paper checks and the environmental and space burdens associated with writing mistakes, as traditional checks cannot be erased or reused.

Innovation Solution

An erasable and reusable check featuring a pressure-sensitive area with OLEDs for data capture, a microchip for storing and transmitting banking information, and a communication means for data exchange between the pressure-sensitive area and the microchip, allowing for secure and efficient payment processing.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If traditional paper checks are used, then the check can be written and processed, but the check cannot be erased or reused, requiring constant reordering and creating environmental waste

Engineering Contradiction:
Improvereusability of checkVSAvoidpaper waste
Core Design Contradiction:
Adaptability or versatilityVSLoss of substance

Solution Approach 1:

The patent transforms the check from a static paper document to a dynamic electronic display device. The OLED screen can change its displayed information (account number, routing number, check number) on demand, allowing the same physical check to be reused indefinitely with updated parameters. This resolves the contradiction by making the check adaptable rather than consumable.

Inventive Principle:
Principle #35Parameter changes

Solution Approach 2:

The patent replaces the mechanical writing process (pen and paper) with an electronic display system. Instead of physically writing on paper that must be discarded, the check information is displayed electronically and can be erased and rewritten indefinitely. This substitution eliminates paper waste while maintaining the check's functionality.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

2Ease of operation

If traditional paper checks are used, then the check can be written, but mistakes require voiding the check and starting over with a new check

Engineering Contradiction:
Improveerror correction capabilityVSAvoidtime to reorder checks
Core Design Contradiction:
Ease of operationVSLoss of time

Solution Approach 1:

The patent makes the check dynamic through the OLED display and control buttons. When an error is made, the user can simply press a control button to clear the current display and write new information, rather than voiding the entire check and needing a replacement. This dynamic capability allows immediate error correction without time loss.

Inventive Principle:
Principle #15Dynamics

Solution Approach 2:

The check device includes control buttons that allow the user to independently clear errors and rewrite information without needing to contact the bank or obtain a new check. The system serves itself by providing built-in error correction functionality, eliminating the time loss associated with reordering checks.

Inventive Principle:
Principle #25Self-service

3Loss of substance

If a single reusable check is provided, then environmental footprint is minimized and wallet space is reduced, but the check needs sophisticated technology to enable erasability and reusability

Engineering Contradiction:
Improvepaper consumptionVSAvoidtechnology complexity
Core Design Contradiction:
Loss of substanceVSDevice complexity

Solution Approach 1:

The patent consolidates multiple functions into a single check device: the OLED screen displays check information, the control buttons manage writing and erasing, the microchip stores banking data, and the antenna enables communication. This multi-functional integration achieves paper waste reduction while containing the complexity within a single universal device rather than requiring separate systems.

Inventive Principle:
Principle #6Universality (Multi-functionality)

Solution Approach 2:

The patent embeds multiple components within the check structure: the microchip is embedded in the check substrate, the OLED display is integrated into the check surface, and the antenna is incorporated within the check body. This nesting approach minimizes the overall form factor and wallet space while housing the sophisticated technology needed for reusability.

Inventive Principle:
Principle #7Nested doll (Nesting)

4Difficulty of detecting and measuring

If pressure-sensitive OLEDs are used for data capture, then writing input can be detected, but power is required to operate the OLEDs and process data

Engineering Contradiction:
Improvewriting detection capabilityVSAvoidpower consumption
Core Design Contradiction:
Difficulty of detecting and measuringVSUse of energy by moving object

Solution Approach 1:

The patent uses periodic scanning of the pressure-sensitive OLED matrix to detect writing input. Instead of continuously powering all OLEDs, the system activates and scans rows or columns periodically when writing is detected or expected. This periodic operation reduces overall power consumption while maintaining the ability to detect writing input accurately.

Inventive Principle:
Principle #19Periodic action

Solution Approach 2:

The patent replaces continuous power-intensive imaging systems with pressure-sensitive detection. Instead of using cameras or continuous display scanning to detect writing, the system uses pressure-sensitive OLEDs that only consume power when actually pressed. This mechanical-to-electronic substitution reduces energy consumption while maintaining writing detection capability.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

Applied Scientific Principles

This section explains which scientific principles are used to turn an abstract innovation direction into a practical engineering solution.

Function Achieved in This Case

This solution reduces the need for frequent check reordering, minimizes environmental impact, and provides a secure, efficient method for payment processing by enabling the reuse of checks with updated information.

Implementation Method 1

The pressure-sensitive area may include an array of pressure-sensitive organic light emitting diodes (OLEDs) configured to light up when depressed

Methodology Applied
Scientific EffectPressure-sensitive OLED: Organic Light-emitting Diode

Implementation Method 2

The check may include a battery positioned in the thickness for providing power to the OLEDs

Methodology Applied
Scientific EffectBattery: Battery (electricity)

Data Source

PatentUS11107064B2Erasable reusable check
Publication Date: 2021.08.31 BANK OF AMERICA CORP
  • US11107064B2 patent drawing
  • US11107064B2 patent drawing
  • US11107064B2 patent drawing

AI summary

Apparatus and methods for an erasable reusable check are provided. The method may include receiving in a card reader a microchip embedded in a check. The method may also include extracting from the microchip data identifying a payor name, a payor address, a bank account number of a payor bank account a routing number of the payor bank account, and pixelated data. The method may further include transforming the pixelated data into written text and creating an Image Replacement Document (“IRD”) of the check. The IRD may include the payor name, the payor address, the bank account number, the routing number, and the written text.