Electronic payment instrument and packaging

US00799l692B2 (12) Ullltfild States Patent (10) Patent No.: US 7,991,692 B2 Robbins et al. (45) Date of Patent: Aug. 2, 2011 (54) ELECTRONIC PAYMENT INSTRUMENT AND 5,956,699 A 9/1999 Wong et al. PACWNG 2122:1122 El 2/2221 , , H111 SOI1 . . 6,299,530 B1 10/2001 H t d tal. (75) Inventors: Peter Robbins, Denver, CO (US); Keith 6,353,420 B1 3/2002 C123; e NeWbF0l1gh,Par1<er,C9 (U$);KeI1 6,356,196 B1 3/2002 Wong etal. Algiene, Littleton, CO (US) 6,471,127 B2 10/2002 Pentz etal. 6,561,432 B1 5/2003 Vedder et al. <73) Assignee: Fimnmcorpmfion.Greenwood g-ggg-333 31* ggggg 313;? 2222222222222222222222222 2135/380 - , , g et al. V‘11age= CO (US) 6 607 127 B2 8/2003 Wong _ _ _ _ _ 6,609,654 B1 8/2003 Anderson et al. ( * ) Notice: Subject. to any disclaimer, the term of this 6,6445 55 B1 11/2003 Bemey patent is extended or 2ld]l.1SI€d under 35 (Continued) U.S.C. l54(b) by 449 days. FOREIGN PATENT DOCUMENTS (21) APPL NOJ 11/539358 WO WO 98/14900 4/1998 (22) Filed: Oct. 9, 2006 (Continued) (65) Prior Publication Data OTHER PUBLICATIONS US 2008/0086418 A1 Apr. 10, 2008 “SmaitMetric Card With Embedded Fingerprint Scanner Is Foolproof Internet Payment/Transaction Solution; Credit Card-Sized (51) Int‘ Cl‘ Product is Versatile, Practical; Touching Surface Validates G06Q 40/00 (200601) Cardholder, Eliminating Need to Transmit Credit/Debit Account G06K 19/00 (200601) Numbers.”PRNewswire Jun. 19, 2006 Business Dateline, ProQuest. (52) U.S. Cl. ........................................ .. 705/41; 235/487 Web‘ Mar‘ 25, 2011; (58) Field of Classification Search ............. .. 705/35-42 _ See application file for complete search history. (comlnued) (56) References Cited Primary Examiner — Ella Colbert

Page 2 U.S. PATENT DOCUMENTS 2005/0086160 A1 4/2005 Wong 6161. 668,997 B, 1/4,94 5882/8821; 21 2/5882 1111212121616‘: 6,688,529 B1 2/2994 6166616, 81 2005/0137986 A1 6/2005 K661161615 6,792,185 B1 3/2994 Z61°1161 2005/0177480 A1 8/2005 Huang 5 6,727,802 B2 4/2004 Kf611Ye131~ 2005/0205665 A1>i< 9/2005 Laseh et a1_ _________________ __ 235/380 6,753,341 B1 6/2994 K1116 2005/0211760 A1* 9/2005 Dewan 6161 .235/375 6,761,319 B2 7/2994 866611111611 6161" 2005/0230485 A1* 10/2005 R666 6161 5 235/492 6,895,288 B2 19/2994 R°“1116116161116161" 2005/0247798 A1* 11/2005 Graves 6156117 5 235/493 6,811,982 B2 11/2994 W611g 2005/0248459 A1* 11/2005 1361161166161 ...... .. 340/572.8 6,817,539 B2 11/2994 1615166 6161" 2006/0028319 A1 2/2006 K66116161. 5 6,827,260 B2 12/2004 $t9ut@I1I>vIg @131, 2006/0151348 A1* 7/2006 Willard _______________________ H 206/449 6,827,264 B2 12/2994 M6166“ 2007/0084913 A1* 4/2007 W661611 .... .. 235/380 6,886,742 B2 5/2995 81°1116111’111g6161~ 2007/0158435 A1* 7/2007 L666116161'."IIIIIIIIIIIII .... .. 235/487 6,912,398 B1, 6/2995 19611111112 2007/0162381 A1* 7/2007 P61161166161. 705/38 7,070,095 B1 7/2006 G31111e1e131- ~~~~~~~~~~~~~~~ ~~ 235/380 2007/0266605 A1>i< 11/2007 Halbnretat 40/674 7,g§6,5(8g1g2 272992 6161 2007/0288371 A1* 12/2007 1611116611 ..... .. 705/41 a a ' >I< 7,104,439 132 9/2006 Dewan 6161. 2999/9949747 A1 2/2999 131987991111‘ """""""" " 713/192 7,137,552 B1 * 11/2006 Las9h<-=ta1~ ~~~~~~~~~~~~~~~~~ ~- 235/380 FOREIGN PATENT DOCUMENTS 7,147,151 132* 12/2006 L66611 6161 .235/380 ‘ ‘ ‘ ‘ ‘ ‘ ‘ ‘ ‘ ‘ ‘ ‘ ‘ ‘ ‘ ‘ ‘ ‘ ‘ ‘ ‘ ‘ ‘ ‘ ‘ N 7,234,637 132 6/2007 13611116 7,293,704 B2,, U/2007 Smnh “““““““““““““ H 235/383 OTHER PUBLICATIONS 7,309,007 B2 12/2007 K6611 Peter Lucas, and Kate Fitzgerald. “Adding convenience to wireless 714291927 B2 * 9/2003 B011311e 61 31~ ~~~~~~~~~~~ ~- 340/572-8 payments), Credit Card Management Nev, 1, 2()()3;AB1/INFORM 2002/0049669 Al* 4/2002 13166616161. .................. .. 705/39 ,, 2002/0096570 A1 7/2002 Wong 6161. 6116961, P1609661" W69 M61" 25, 2911" 2003/0061168 Al 3/2003 Routhenstein “QI Systems Developing Products for RFID-Enabled Smart Card 2003/0069346 A1* 4/2003 Mareen jjjjjjjjjjjjjjjjjjjjjjjjj H 705/41 :APP1l°311°11$ ,W11616$$ N6W$,NA, -111122, 2005,11 1; 2003/0150762 A16 8/2003 Biner ““““““““““““““ H 206/461 TI Embraces Prox Card Standard: Texas Instrument s ISO 14443 2003/0150919 A1 8/2003 Blank payrnent platformpromlses faster datatransfer rates andmore secu2004/0089724 Al>k 5/2004 Lasch et al‘ “““““““““ H 235/487 1‘1[§-/. Journal I\/13.1‘. 6, 2003, http://rfidjournal.com/art1cle/ 2004/0129785 A1 7/2004 Luu 9It191<-=Pr1nV327/-1/1 2004/0131760 A1 7/2004 s1161<66p6616 U.S.Appl.N0-10/807,462,111e‘1M3T~3,2004 2004/0144846 Al* 7/2004 L66611 6161. ................. .. 235/487 U.S.Appl. N6. 11/005,864, 111661 Dec.6, 2004. 2004/0225613 Al* 11/2004 Narayanaswami 6161 705/64 U.S.Appl.N0. 11/671,766,11l661F611. 6,2007. 2004/0230535 A1* 11/2004 Binder et al. 705/64 U,$,App1, NO, 11/243,533, fi1ed()et,4, 2005, 2004/0256469 A1* 12/2004 Faenza et al. .. 235/492 USAPP1, NO, 11/331,630, fi1edMay4, 2006' 2005/0061889 A1* 3/2005 McGee et al. .............. .. 235/487 US, App1_ Ne‘ 11/695,963, fi1edAnn 3, 2007, 2005/0080747 A1 4/2005 A1161616611 6161. 2005/0082362 Al 4/2005 Anderson et al. * cited by examiner

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