OLED Smart Card Integrating Biometric Sensors for Secure Data Management

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Solution Overview

Problem

Current credit cards face challenges in securely protecting sensitive data due to their limited form factor, which restricts the incorporation of electronic features that could enhance security and functionality, while existing fraud prevention technologies like EMV chips have limitations in design and usability.

Innovation Solution

The integration of organic light-emitting diode (OLED) technology into credit-card-size devices to create smart cards that store sensitive data electronically, featuring a touch-sensitive OLED display, biometric sensors, and communication circuits, allowing secure data management, authentication, and enhanced functionality without increasing the card's thickness.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If electronic features are incorporated into credit-card-size devices to enhance security and functionality, then security and functionality are improved, but device complexity increases

Engineering Contradiction:
ImprovesecurityVSAvoiddevice complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent merges multiple functional components (OLED display, biometric sensors, communication circuits, power supply) into a single integrated smart card device, combining security, display, authentication, and communication functions in one compact unit that maintains credit-card dimensions

Inventive Principle:
Principle #5Merging (Combining)

Solution Approach 2:

The smart card is designed as a multi-functional device that serves as both a traditional payment instrument and an electronic display device with biometric authentication capabilities, replacing multiple separate devices (credit card, ID card, authentication device) with a single universal card

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

2Adaptability or versatility

If electronic features are incorporated into credit-card-size devices, then functionality is enhanced, but the form factor constraints are worsened

Engineering Contradiction:
ImprovefunctionalityVSAvoidform factor
Core Design Contradiction:
Adaptability or versatilityVSVolume of moving object

Solution Approach 1:

The patent utilizes the third dimension (thickness) efficiently by implementing a layered structure where the OLED display, sensors, and circuits are stacked vertically, allowing full functionality within the constrained credit-card thickness while maintaining standard card dimensions

Inventive Principle:
Principle #17Another dimension (Dimensionality change)

3Ease of operation

If sensitive data is printed on the face of the credit card for easy access, then ease of operation is improved, but security is worsened due to visibility to onlookers

Engineering Contradiction:
Improveease of accessVSAvoidsecurity risk
Core Design Contradiction:
Ease of operationVSObject-affected harmful factors

Solution Approach 1:

The patent extracts sensitive data from the visible printed format and stores it electronically within the card's secure memory, removing the data from public view while maintaining easy electronic access through the OLED display and biometric authentication system

Inventive Principle:
Principle #2Taking out (Extraction)

Solution Approach 2:

The OLED display enables dynamic visual presentation of card information, allowing the card to display different data (including sensitive information) only when activated and authenticated, rather than having static visible printing that is always exposed

Inventive Principle:
Principle #32Color changes

4Object-affected harmful factors

If sensitive data is encoded on a magnetic stripe for secure storage, then security is improved, but ease of operation is worsened due to skimming device vulnerabilities

Engineering Contradiction:
ImprovesecurityVSAvoidusability
Core Design Contradiction:
Object-affected harmful factorsVSEase of operation

Solution Approach 1:

The patent introduces an intermediary authentication layer (biometric sensors and OLED display) between the user and the sensitive data, requiring active user verification before data access, thereby preventing unauthorized skimming while maintaining legitimate user access

Inventive Principle:
Principle #24Intermediary (Mediator)

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

The OLED smart card provides secure financial transactions, authenticates users through biometrics, and enhances usability with customizable alerts and rewards functionality, while maintaining a compact form factor and reducing environmental impact through the use of organic materials.

Implementation Method 1

integration of organic light-emitting diode (OLED) technology into credit-card-size devices

Methodology Applied
Scientific EffectOrganic Light-emitting Diode: Organic Light-emitting Diode

Data Source

PatentUS10331990B2Organic light emitting diode (“OLED”) universal plastic
Publication Date: 2019.06.25 BANK OF AMERICA CORP
  • US10331990B2 patent drawing
  • US10331990B2 patent drawing
  • US10331990B2 patent drawing

AI summary

Aspects of the invention relate to a smart card that includes an OLED display. The smart card may store data associated with multiple purchasing instruments and utilize the OLED display to present sensitive data associated with a user selected purchasing instrument. In response to the selection, the smart card may transmit sensitive data associated with the selected purchasing instrument. The OLED display may allow the smart card to include a customizable face. The OLED display may present video, colors or any suitable text. For example, the OLED display may present a user's credit limit, rewards or spend categories. Such smart cards may be easily re-branded as a result of the smart card not being permanently tied to an embossed number. New sensitive data may be pushed to the smart card and thereby allow it to be used immediately based on the new sensitive data.