Patent Publication Number: US-10331990-B2

Title: Organic light emitting diode (“OLED”) universal plastic

Description:
CROSS-REFERENCE TO RELATED APPLICATIONS 
     This application is a continuation of U.S. patent application Ser. No. 15/497,030, filed on Apr. 25, 2017, entitled ORGANIC LIGHT EMITTING DIODE (“OLED”) UNIVERSAL PLASTIC, which is a continuation of U.S. patent application Ser. No. 15/187,931, filed on Jun. 21, 2016, entitled ORGANIC LIGHT EMITTING DIODE (“OLED”) UNIVERSAL PLASTIC, now issued as U.S. Pat. No. 9,665,818, which are both hereby incorporated by reference in their respective entireties. 
    
    
     FIELD OF TECHNOLOGY 
     Aspects of this disclosure relate to a purchasing instrument with enhanced electronic features. 
     BACKGROUND 
     Typically, sensitive data associated with a credit card, or other purchasing instrument, is printed on a face (front or back) of the credit card. The sensitive data may include a unique card number, a card holder&#39;s name, an expiration date of the credit card number, a card verification value (“CVV”) or any other suitable sensitive data. 
     The sensitive data may be visible to an onlooker who may obtain a copy (e.g., by taking a picture) of the sensitive data. The copy of the sensitive data may be used to initiate fraudulent transactions. 
     Typically, purchasing instruments may also include sensitive data encoded on a magnetic stripe. The sensitive data encoded on the magnetic stripe is read when the instrument is “swiped” through a card reader. Persons with malicious intents may utilize a skimming device to obtain a copy of the sensitive data encoded on the magnetic stripe. For example, a person with malicious intent may utilize a skimming device placed on or in an automated teller machine (“ATM”). The skimmer may be placed over a card slot reader of the ATM and may read the magnetic stripe as the purchasing instrument is inserted into the slot. 
     A user may not notice that a skimmer has been placed on or in an ATM because the skimmer may not impede legitimate access to the ATM or card reader. Thus, the skimmer may obtain a copy of the sensitive data encoded on a purchasing instrument&#39;s magnetic stripe in a manner transparent to the user. 
     Technology is currently being developed that may reduce a risk of a person with malicious intent obtaining a copy of sensitive data. For example, some purchasing instruments are now produced with “EMV” chips. EMV is a technology that derives its name from the companies (Europay, MasterCard, and Visa) that helped develop the technology. When the purchasing instrument and its associated EMV chip are inserted into a specialized card reader, the reader powers the EMV chip and the EMV chip generates a new authorization code each time the purchasing instrument is used. Thus, simply copying the sensitive data printed on the face of the purchasing instrument or encoded on the magnetic stripe may be insufficient to initiate a fraudulent transaction. 
     In addition to technology specifically developed to combat fraud, it would be desirable to leverage other technology to design a purchasing instrument that is more protective of sensitive data associated with a purchasing instrument. 
     However, a form factor of purchasing instruments is limited. Purchasing instruments are typically 85.60 millimeters (“mm”)×53.98 mm×0.8 mm. This limited form factor allows purchasing instruments to fit easily into a user&#39;s wallet or pocket yet also presents design challenges. For example, one design challenge involves the difficulty of attempting to include electronic features in a credit-card-size device. For example, to maintain this limited form factor, a purchasing instrument cannot be constructed using a relatively large power supply. 
     On the other hand, incorporating electronic features into purchasing instruments may provide technology-based solutions that more securely protect sensitive data. Furthermore, incorporating electronic features into purchasing instruments may increase efficient use and functionality of purchasing instruments. 
     It would be desirable to provide systems and methods for a purchasing instrument that improves security of sensitive data associated with the instruments, enhances usability of the instrument and maintains a limited form factor of the instrument. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
       The objects and advantages of the invention will be apparent upon consideration of the following detailed description, taken in conjunction with the accompanying drawings, in which like reference characters refer to like parts throughout, and in which: 
         FIG. 1A  shows illustrative apparatus in accordance with principles of the invention; 
         FIG. 1B  shows illustrative apparatus in accordance with principles of the invention; 
         FIG. 2  shows illustrative apparatus in accordance with principles of the invention; 
         FIG. 3  shows illustrative apparatus in accordance with principles of the invention; 
         FIG. 4  shows illustrative apparatus in accordance with principles of the invention; 
         FIG. 5  shows illustrative apparatus in accordance with principles of the invention; 
         FIG. 6  shows illustrative apparatus in accordance with principles of the invention; 
         FIG. 7  shows illustrative apparatus in accordance with principles of the invention; 
         FIG. 8  shows illustrative apparatus in accordance with principles of the invention; 
         FIG. 9  shows illustrative apparatus in accordance with principles of the invention; 
         FIG. 10  shows illustrative apparatus in accordance with principles of the invention; 
         FIG. 11  shows illustrative apparatus in accordance with principles of the invention; 
         FIG. 12  shows illustrative apparatus in accordance with principles of the invention; 
         FIG. 13  shows illustrative apparatus in accordance with principles of the invention; 
         FIGS. 14A-D  show illustrative apparatus in accordance with principles of the invention; and 
         FIG. 15  shows illustrative apparatus and an illustrative scenario in accordance with principles of the invention. 
     
    
    
     DETAILED DESCRIPTION 
     Aspects of the invention relate to a credit-card-size device that leverages organic light emitting diode (“OLED”) technology to enhance security of sensitive data associated with a credit card or other purchasing instrument. 
     Aspects of the invention also relate to a credit-card-size device that leverages organic light emitting diode (“OLED”) technology to enhance functionality of a purchasing instrument. 
     OLEDs are typically solid-state semiconductors constructed from a thin film of organic material. OLEDs emit light when electricity is applied across the thin film of organic material. Because OLEDs are constructed using organic materials, OLEDs may be safely disposed without excessive harm to the environment. 
     Furthermore, OLEDs may be used to construct a display that consumes less power compared to other display technologies. For example, in a Liquid Crystal Display (hereinafter, “LCD”) power must be supplied to the entire backlight even to illuminate just one pixel in the display. In contrast, an OLED display does not necessarily include a backlight. Furthermore, in an OLED display, preferably, only the illuminated pixel draws power. 
     Therefore, power efficiency of OLED technology presents a possibility for designing electronic purchasing instruments (hereinafter, “smart cards”) that provide enhanced security and functionality. 
     As used herein, a smart card may function as any suitable purchasing instrument. Suitable purchasing instruments may include purchasing instruments that conform to specifications published by the International Organization for Standardization. Illustrative specifications may include: ISO/IEC 7810, ISO/IEC 7811 and ISO/IEC 7816, which are hereby incorporated herein by reference in their entireties. Suitable purchasing instruments may include a credit card, debit card and electronic purchasing devices. 
     The smart card may not include any sensitive data printed or embossed on a face of the smart card. Sensitive data may be electronically stored within the smart card. The sensitive data stored within, or accessible to, the smart card may only be visible when presented on an OLED display of the smart card. The smart card may store sensitive data associated with two or more purchasing instruments. The smart card may be configured to periodically display sensitive data. 
     The sensitive data stored on the smart card may be altered. For example, the user may add sensitive data associated with a new purchasing instrument. A representation of different purchasing instruments stored within the smart card may be presented to a user using an OLED display. The OLED display may touch-sensitive. The user may select a purchasing instrument by touching a displayed representation corresponding to the desired purchasing instrument. 
     In response to a user selection, or in response to certain pre-defined conditions, sensitive data stored on the smart card may be deleted. For example, sensitive data may be deleted in response to expiration of a purchasing instrument or in response to detecting a potential security breach. In some embodiments, sensitive data may be deleted when the smart card associated with a security breach is used at a merchant point-of-sale (“POS”) terminal. Waiting for the smart card to be used at the POS terminal may allow a potential fraud and/or person with malicious intent to be identified at the POS. 
     The smart card may include one or more biometric sensors. Illustrative biometric sensors may include a fingerprint scanner, camera, microphone or any other suitable sensor for capturing a biometric feature. To authenticate a release of sensitive data, a smart card user (hereinafter, “user”) may present a biometric feature to the biometric sensor for verification. The smart card may only authorize release of the sensitive data after verifying the submitted biometric feature. 
     The smart card may enable more secure financial transactions. For example, online banking transactions may be made more secure by requiring entry of a valid biometric feature, such as a fingerprint, prior to authorizing a transaction or accessing an online banking portal. Embodiments may utilize a camera to verify a biometric feature or identity of a user before authorizing a transaction. 
     The smart card may utilize an OLED display to visually present color alerts. Alerts may include presenting a customizable “face” on the smart card. Some embodiments may include an OLED display on front and back faces of the smart card. 
     For example, the OLED display may be configured to glow a particular color in response to detecting a trigger condition or event. Illustrative alerts may indicate whether a purchase is approved/denied, available credit limit, user&#39;s spend categories or other suitable indicia. 
     Embodiments may include using a smart card to request a service from a provider. After requesting the service, the smart card may glow a different color if the user has been waiting longer than a threshold amount of time to access the requested service. 
     OLED displays may be used to implement “rewards” functionality. For example, an OLED display on a face of the smart card may present available rewards points. The rewards points may be determined based on a detected geographic region or recent user purchase. The OLED displays may be used to present coupons or other deals. The coupons may be pushed to the smart card based on a detected location of the smart card. 
     A location of the smart card may be detected based on an access point used by the smart card to access a network. In some embodiments, the smart card may include a GPS chip for receiving and/or transmitting GPS signals. In some embodiments, the smart card may include cellular telecommunication capabilities. A location of the smart card may be determined using cellular triangulation techniques. 
     Illustrative alerts may include fraud alerts. For example, an OLED display of a smart card may flash red when a potential security breach is detected. The security breach may relate to exposure of sensitive data stored on the smart card. 
     Incorporating an OLED display into a smart card may streamline a process of rebranding a purchasing instrument. Typically, a purchasing instrument such as a credit card is inextricably tied to the sensitive data printed or embossed on a face of the card. A smart card may include an OLED display and sensitive data electronically stored on the card. The OLED display may present information based on the sensitive data stored on the smart card. The sensitive data stored on the card may be changed, and the changed data may be presented to the user using the OLED display. Thus, smart card embodiments described herein are preferably not inextricably tied to sensitive data printed on a face of a purchasing instrument. 
     Furthermore, sensitive data stored on a smart card may be updated or changed dynamically. For example, sensitive data may be pushed to the smart card over a network. Users no longer need to wait for a new plastic that includes revised sensitive data. The sensitive data may be reissued or revised and stored on the smart card without issuing a new card to the user. 
     In some embodiments, a combination of a light and or color pattern may be used to authenticate the user. For example, to confirm a physical presence of the smart card, a user may be required to confirm a color displayed on the smart card. In some embodiments, an ATM or POS terminal may include reader that may detect the displayed color or pattern. A pattern may include a quick response (“QR”) code. In some embodiments, such light or color patterns may be used in conjunction with other authentication techniques such as biometric authentication and username/password. 
     Apparatus for a smart card are provided. The smart card may include an array of OLEDs. The OLEDs may form one or more pixels. The OLEDs may form a display of the smart card. The OLED display may be visible on a front face, back face and/or thickness of the smart card. The OLED display may have a thickness that is not greater than 0.25 mm. The OLED display may cover some or all of a surface area. The surface area may include one or more of the faces or thickness of the smart card. For example, the surface area may be 85.60 mm×53.98 mm. The OLED display may cover 10%, 30%, 50%, 75%, 90%, 100% or any suitable percentage of the of the surface area. 
     The OLED display may include a substrate layer that supports the array of OLEDs. The OLED display may include a circuitry layer that controls illumination of one or more pixels formed by the array of OLEDs. The OLED display may include a barrier layer that keeps contaminants out of the array of OLEDs. A total thickness of the substrate layer, the array of OLEDs, the circuitry layer and the barrier layer may not be greater than 0.5 mm. 
     The smart card may include a communication circuit. The communication circuit may be configured to implement protocols for wireless communication. For example, the communication circuit may provide Wi-Fi, NFC, Bluetooth or any other suitable mode of wireless communication. Wi-Fi may include passive Wi-Fi with lower power consumption than typical Wi-Fi. The communication circuit may have a thickness that is not greater than 0.8 mm. 
     The smart card may include a processor circuit. The processor circuit may alternatively be referred to herein as a software chip. The processor circuit may have a thickness that is not greater than 0.25 mm. The processor circuit may include a processor for controlling overall operation of the smart card and its associated components. The smart card may include RAM, ROM, an input/output (“I/O”) module and a non-transitory or non-volatile memory. 
     The I/O module may include a microphone, button and/or touch screen which may accept user provided input. The I/O module may include one or more of a speaker for providing audio output and a video display for providing textual, audiovisual and/or graphical output. The video display may include one or more OLEDs. 
     Software may be stored within the non-transitory memory and/or other storage medium. The software may provide instructions to the processor for enabling the smart card to perform various functions. For example, the non-transitory memory may store software used by the smart card, such as an operating system, application programs, and an associated database. Alternatively, some or all of computer executable instructions of the smart card may be embodied in hardware or firmware components of the smart card. 
     Application programs, which may be used by the smart card, may include computer executable instructions for invoking user functionality related to communication, such as email, short message service (“SMS”), and voice input and speech recognition applications. Application programs may utilize one or more algorithms that request alerts, process received executable instructions, perform power management routines or other suitable tasks. 
     The smart card may include a pressure sensitive button. The pressure sensitive button may have a thickness that is not greater than 0.8 mm. The pressure sensitive button may be actuated by a user to “wake up” the smart card. For example, actuating the pressure sensitive button may activate the processor or communication circuits. 
     The smart card may operate in a networked environment. The smart card may support establishing network connections to one or more remote computers. Such remote computers may be nodes on a network. The nodes may be personal computers or servers that include many or all of the elements described above relative to the smart card. The network connections may include a local area network (“LAN”) and a wide area network (“WAN”), and may also include other networks. When used in a LAN networking environment, the smart card may be connected to the LAN through a network interface or adapter. The communication circuit may include the network interface or adapter. 
     When used in a WAN networking environment, the smart card may include a modem or other means for establishing communications over a WAN, such as the Internet. The communication circuit may include the modem. 
     It will be appreciated that the network connections shown are illustrative and other means of establishing a communications link between devices may be used. The existence of any of various well-known protocols such as TCP/IP, Ethernet, FTP, HTTP and the like is presumed, and the smart card can be operated in a client-server configuration to permit a user to retrieve web pages from a web-based server. Web browsers can be used to display and manipulate data on web pages. 
     The smart card and network nodes may include various other components, such as a battery, speaker, and antennas (not shown). For example, network nodes may be portable devices such as a laptop, tablet, smartphone or any other suitable device for receiving, storing, transmitting and/or displaying relevant information. 
     The smart card may be operational with numerous other general purpose or special purpose computing system environments or configurations. Examples of well-known computing systems, environments, and/or configurations that may be suitable for use with the invention include, but are not limited to, personal computers, server computers, hand-held or laptop devices, tablets, mobile phones and/or other personal digital assistants (“PDAs”), multiprocessor systems, microprocessor-based systems, set top boxes, programmable consumer electronics, network PCs, minicomputers, mainframe computers, distributed computing environments that include any of the above systems or devices, and the like. 
     The smart card may utilize computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The smart card may be operational with distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices. 
     The smart card may include a battery. The battery may be a power source for electronic components of the smart card. For example, the battery may supply power to the OLED display, the communication circuit and the processor circuit. The battery may have a thickness that is not greater than 0.5 mm. 
     In some embodiments, the smart card may include a plurality of batteries. The batteries may be distributed throughout the smart card. For example, a surface area of the smart card may be apportioned into 2, 3, 4, 5, 8 or any suitable number of surface areas. Each surface area may be associated with a battery. If the smart card is cut into pieces, at least one or more of the OLED display included in each of the pieces may continue to transmit alerts, such as flashing a fraud alert, using a battery within each piece. 
     In some embodiments, the smart card may include a plurality of communication circuits. The communication circuits may be distributed throughout the smart card. For example, each surface area may include its own communication circuit. If the smart card is cut into pieces, at least one or more of the pieces may continue to transmit/receive information using the communication circuit within each piece. 
     The smart card&#39;s power source may include high frequency signals received from a node on a wireless network. The smart card&#39;s power source may include a battery. The smart card may be configured to utilize received high frequency signals to recharge the battery. 
     In operation, the processor circuit may be configured to control the array of OLEDs and the communication circuit. For example, the processor circuit may power the communication circuit using the battery for a first pre-determined time period. The first pre-determined time period may an amount of time sufficient for the communication circuit to detect whether one or more networks (wired or wireless) are within range of the communication circuit. In some embodiments, the first pre-determined time period may be triggered in response to pressure applied to the pressure sensitive button. In the absence of such pressure, the smart card may conserve battery power by powering-off the communication circuit. 
     During the first pre-determined time period, the processor circuit may instruct the communication circuit to continuously scan for a communication network. In response to detecting a communication network, the processor circuit may formulate a request for an alert. The request may be encrypted. The request may be associated with a destination. The request may be associated with an identifier stored in the non-transitory memory. The identifier and destination may be sensitive data stored on the smart card. For example, the identifier may be a credit card number associated with the smart card. The destination may be an issuer associated with sensitive data stored on the smart card. 
     The processor circuit may instruct the communication circuit to transmit an encrypted request to the destination via the communication network. After transmitting the request, the processor circuit may power the communication circuit for a second pre-determined time period. The second pre-determined time period may be equal to, shorter or longer than the first pre-determined time period. The second pre-determined time period may be dynamically determined based on an identity or characteristic of the network. 
     For example, an expected response time (to the alert request) may be longer for a wireless network than for a wired network. It may take longer to receive a response to an alert request that is submitted over a congested or low-speed network. If the processor circuit does not receive a response from the network during the second pre-determined time period, the processor circuit may power-off the communication circuit. The user may be informed that the request has timed out by an informational message that may be displayed on the OLED display. In some embodiments, the smart card may prompt the user to resubmit the request. 
     The communication circuit may be powered using a battery or any other suitable power source. In some embodiments, when the processor circuit detects that the smart card is connected to an external power source, the communication circuit or other components may be instructed to remain powered-on until the smart card is disconnected from the power source. 
     The requested alert may be received from the destination over the network. The alert may be received during the second pre-determined time period. A received alert may include instructions formulated by the destination. The instructions may be executable by the processor circuit. 
     In response to receiving the alert, the smart card may illuminate one or more pixels on the smart card&#39;s OLED display. For example, the alert request may ask for a spending or credit limit associated with the smart card. 
     A spending limit may include a limit on an aggregate value of transactions conducted using the smart card. The spending limit may be defined for a pre-determined time period, a class of goods, a type of merchant, a merchant category code or any other suitable criteria. A smart card may be associated with a line-of-credit. A value associated with the line-of-credit may be stored on the smart card. A credit limit may include a limit on how much of the line-of-credit may be drawn down using the smart card. The credit limit may be defined for a pre-determined time period, a class of goods, a type of merchant, a merchant category code or any other suitable criteria. 
     In response to the alert request, a network node may transmit instructions to the smart card. The instructions may be executable by the smart card and configure an OLED display of smart card to glow a particular color, display a graphical representation or display text. 
     A spending or credit limit may be determined based on location of the smart card or for a given type of product sold at or near the location. 
     The alert may include instructions that, when executed by the processor circuit, change a color of a pre-determined surface area of the OLED display. For example, the smart card may include an OLED display that covers a front, back and sides of the smart card. The instructions may cause an OLED display on a side of the card to glow red and a text message to be displayed on a front-facing OLED display. 
     As a more specific example, when received instructions cause the smart card to glow green, at least half of a credit limit associated with the smart card may be available. When received instructions cause the smart card to glow yellow, between half and a quarter of the credit limit may be available. When received instructions cause the smart card to glow red, less than a quarter of the credit limit may be available. 
     In some embodiments, an alert request may be generated and transmitted without active user input. For example, the user may use the smart card to queue-up for a service at a brick-and-mortar location. Upon entering the location, the user may swipe the smart card though a card reader or actuate a mechanical button on the smart card. The smart card may change color depending on an estimated amount of time remaining until the service is expected to be provided to the user. 
     In some embodiments, the alert may cause the smart card to glow a color that identifies the user. For example, in response to the using the smart card to request a service, the smart card may glow a color that identifies the user as having a particular status with respect to the service provider. The status may entitle the user to priority treatment or other benefits. Exemplary benefits may include concierge services or reduced rates for services. The status may be determined based on a relationship between the user and an entity that issued the smart card. The relationship may be based on a number of products offered by the issuer used by the smart card user. 
     In some embodiments, the alert may include executable instructions, that when executed by the processor circuit instruct the OLED display to flash in a pre-determined sequence. The pre-determined sequence may include colors, patterns, illuminated/dark pixel location, length-of-time pixels remain illuminated or any other suitable characteristics. The predetermined sequence may be read by a device (e.g., a network node) that authenticates the smart card. 
     For example, a user may submit a biometric feature along with a request to release sensitive data stored on the smart card. A network node may attempt to verify that the biometric feature is associated with a known biometric feature of the user. In response to verifying the biometric feature, the network node may transmit executable instructions that cause the smart card to flash in a pre-determined sequence. In response to verifying the biometric feature, the network node may also transmit executable instructions to a reader that instructs the reader to extract the sensitive data in response to capturing the pre-determined sequence. The user may place the card in the vicinity of a reader to gain release the sensitive data. Making a purchase may involve release of sensitive data stored on the smart card. 
     In some embodiments, this authentication process may be utilized to allow the smart card to access sensitive data stored on a network node. For example, this authentication process may be performed before pushing new or updated sensitive data to the smart card. 
     An alert transmitted to the smart card may include instructions that, when executed by the processor circuit, form one or more letters on a pre-determined surface area of the OLED display. The one or more letters may expose sensitive data associated with the smart card. The one or more letters may provide information associated with the destination. For example, a location of the smart card may be determined based on a location of a network node such as a network access point. The alert may display deals, coupons or rewards available when making a purchase at or near the detected location. 
     The alert may include instructions that, when executed by the processor circuit, display a picture on a pre-determined surface area of the OLED display. For example, in response to a request for available credit or spending limits, an emoji or other icon representative of the requested limits may be displayed on the OLED display. For example, if the user is within a predetermined range of credit use, a “thumbs-up” may be displayed. 
     The smart card may store sensitive data associated with one or more purchasing instruments. Sensitive data may be stored in non-transitory memory on the smart card. For example, the smart card may store sensitive data associated with one or more of user&#39;s credit cards, debit cards or other purchasing instruments. The alert may include instructions, that when executed by the processing circuit deletes a first instance of sensitive data stored in the non-transitory memory. The first instance may be deleted in response to detecting activity indicative of fraud. The first instance may be deleted at the request of the user, such as to close a credit card or upon expiration of the credit card. 
     The alert may include a second instance of sensitive data. When received by the smart card, the second instance of sensitive data may replace the first instance. For example, in response to detecting a security breach associated with the first instance of sensitive data, the first instance may be deleted and replaced with an untainted second instance. 
     In some embodiments, the alert may cause the OLED display to blink in a predetermined sequence or illuminate prior to deleting sensitive data. In some embodiments, the OLED display may present a message that should be confirmed by the user before deleting sensitive data. The OLED display may be touch-sensitive. The user may confirm the message by touching the displayed message. 
     When the smart card stores multiple instances of sensitive data, the processor circuit, in operation, may be configured to present, on the OLED display, graphical representations corresponding to each of the multiple instances of sensitive data. For example, in response to a request from a merchant POS terminal, the smart card may present an icon representative of each purchasing instrument stored on the smart card. The user may touch a displayed icon to select sensitive data associated the purchasing instrument to pay for a purchase. In some embodiments, the user may select two or more icons and split payment of the purchase among multiple purchasing instruments. 
     The smart card may require biometric authentication before releasing sensitive data stored on the smart card. In response to a user selection of a purchasing instrument, the smart card may activate a biometric sensor embedded in the smart card or at a network node. 
     The biometric sensor may capture a biometric feature of the user and verify the captured feature. Verifying the biometric feature may include comparing an electronic signature of the captured feature to a known electronic signature of a user&#39;s biometric feature. 
     In response to receiving an alert, one or more pixels on the OLED display may be illuminated for a third pre-determined time period. The third pre-determined time period may be determined based on a plurality of non-consecutive time periods following detection, of a plurality of applications of pressure applied to a pressure sensitive button. For example, the smart card may include an application that determines how long to keep the pixels illuminated based on a frequency of how often a user has actuates the button. The user may be expected to actuate the button when the user wishes to activate the OLED display of the smart card. The frequency may indicate how long the user expects the OLED display to be illuminated. The smart card may adapt or learn based on monitoring the user&#39;s behavior. 
     Components of the smart card may be arranged such that a total thickness of the smart card is less than or equal to 0.8 mm. For example, the OLED display, the processor circuit, the pressure sensitive button, the battery and the communication circuit may be arranged such that a total thickness of the smart card is less than or equal to 0.8 mm. 
     Apparatus for a smart card are provided. The smart card may not be greater than 86 mm×54 mm×0.8 mm. 
     The smart card may include an OLED display. The OLED display may have a thickness that is not greater than 0.25 mm. The OLED display may cover a surface area that is at least 90% of 85.60×53.98 mm. 
     The smart card may include multiple OLED displays. For example, the smart card may include a first and a second OLED display. The first OLED display may be visible when viewing a front-face of the smart card. The second OLED display may be visible when viewing a back-face of the smart card. 
     A processor circuit may be configured to control illumination of the first OLED display and the second OLED display. The processor circuit may control illumination of the OLED displays in response to receiving instructions executable by the processor circuit via a wireless communication circuit. 
     The processor circuit may be configured to control illumination of pixels in the first OLED display independently of illumination of pixels in the second OLED display. The processor circuit may be configured to control illumination of pixels in the first and second OLED displays such that information displayed on the first and second OLED displays is identical. The processor circuit may be configured to control illumination of pixels in the first and second OLED displays such that information displayed on the first and second OLED displays is contiguous when the smart card is flipped from its front-face to its back-face (or vice versa). 
     The smart card may include a third OLED display. The third OLED display may be positioned along a thickness of the smart card. In some embodiments, the multiple OLED displays on the smart card may be controlled independently. The OLED displays may be instructed to be illuminated in a specific color, pattern of sequence when the processor circuit detects that the smart card is transmitting/receiving sensitive data. Pixels in each of the OLED displays may be illuminated in a specific sequence. The specific sequence may be used to authenticate the smart card, a user of the smart card or sensitive data stored on the smart card. 
     Apparatus for an electronic purchasing instrument are provided. The electronic purchasing instrument may include an OLED display, a wireless communication circuit, a processing circuit and a battery. The processing circuit may include a non-transitory memory and a processor. 
     The non-transitory memory may include a first copy of sensitive data stored thereon. The electronic purchasing instrument may include a magnetic stripe. The magnetic stripe may include a second copy of the sensitive data stored on the non-transitory memory. The magnetic stripe may be readable by a card reader. The magnetic stripe may allow the electronic purchasing instrument to be backwards compatible with POS terminals, ATMs or other devices that read magnetic stripes. The magnetic stripe may be positioned underneath an OLED display of the electronic purchasing instrument. 
     The processing circuit may be configured to control illumination of the OLED display and release of the first copy of sensitive data via the communication circuit. When the smart card is being read by the card reader, the card reader may charge the battery and read the second copy of the sensitive data encoded on the magnetic stripe. 
     The smart card may include a second OLED display. The second OLED display may have a thickness that is not greater than 0.25 mm. The second OLED display may have a surface area that is at least 90% of 85.60 mm×53.98 mm. The magnetic stripe may be positioned within a thickness of the smart card between the first OLED display and the second OLED display. 
     A total thickness the smart card may not be greater than 0.8 mm. For example, a smart card that includes a first OLED display, a second OLED display, a processor circuit, a battery, a magnetic stripe and a wireless communication circuit may not be greater than 0.8 mm thick. 
     Apparatus and methods described herein are illustrative. Apparatus and methods in accordance with this disclosure will now be described in connection with the figures, which form a part hereof. The figures show illustrative features of apparatus and method steps in accordance with the principles of this disclosure. It is to be understood that other embodiments may be utilized and that structural, functional and procedural modifications may be made without departing from the scope and spirit of the present disclosure. 
     The steps of methods may be performed in an order other than the order shown and/or described herein. Embodiments may omit steps shown and/or described in connection with illustrative methods. Embodiments may include steps that are neither shown nor described in connection with illustrative methods. 
     Illustrative method steps may be combined. For example, an illustrative method may include steps shown in connection with another illustrative method. 
     Apparatus may omit features shown and/or described in connection with illustrative apparatus. Embodiments may include features that are neither shown nor described in connection with the illustrative apparatus. Features of illustrative apparatus may be combined. For example, an illustrative embodiment may include features shown in connection with another illustrative embodiment. 
       FIG. 1  shows an illustrative side view of smart card  100 . Smart card  100  includes OLED layer  101 . OLED layer  101  may form a rollable, thin OLED display with lower power consumption than other display technology. 
     Smart card  100  may include a touch sensor (not shown). The touch sensor may be not greater than 0.001 mm thick. In some embodiments, the touch sensor may be embedded within OLED layer  101 . Integrating the touch sensor into the OLED layer  101  may reduce reflectivity due to any space between the touch sensor and OLED layer  101 . Reducing reflectivity may increase visibility of information presented using OLED layer  101 . 
     Using OLED layer  101  to display information may have several technical advantages. OLED displays may provide lower power consumption, wider viewing angles, better colors, higher contrast, operate in a wider temperature ranges and enable faster refresh rates than other display technology. In some embodiments, OLED displays may be fabricated directly on control circuitry. OLED displays may only include trace amounts of heavy metals. Thus, when disposed of, OLED display may be less harmful to the environment than other display technology. 
     Smart card  100  includes solar panel layer  103 . OLED displays may be transparent when not illuminated. Thus when OLED layer  101  is not illuminated, OLED layer  101  may be transparent. Sunlight may pass through OLED layer  101  and reach solar panel layer  103 . Solar panel layer  103  may convert solar energy into electricity that powers one or more components of smart card  100 . Solar panel layer  103  may be thin enough to be flexible. 
     Smart card  100  includes battery  105 . Battery  105  may be rechargeable. Battery  105  may be flexible. Battery  105  may be recharged by power generated by solar panel layer  103 . Battery  105  may be rechargeable from a power source external to smart card  100 . 
     Smart card  100  includes software chip  109 . Software chip  109  may control overall operation of smart card  100  and its associated components. Software chip  109  may include the processor circuit. Software chip  109  may include a non-transitory memory. Smart card  100  may include non-transitory memory locations (not shown) within thickness  113 . Software chip  109  may access such memory locations. The non-transitory memory locations may store instructions, that when executed by software chip  109 , cause smart card  100  to perform various functions. 
     For example, memory locations may store software used by smart card  100 , such as an operating system, application programs and an associated database. 
     Smart card  100  includes communication chip  111 . Communication chip  111  may be a communication circuit. Communication chip  111  may provide smart card  100  with wireless communication functionality. Communication chip  111  may enable smart card  100  to communicate using a variety of communication protocols including, Wi-Fi, Bluetooth, Ethernet, NFC and cellular telecommunications. 
     Smart card  100  also includes pressure sensitive button  107 . Pressure sensitive button  107  may be mechanically actuated. Actuation of pressure sensitive button  107  may provide an electronic signal to software chip  109  or any other component of smart card  100 . 
     For example, mechanical actuation of pressure sensitive button  107  may power-on and/or power-off software chip  109 . Mechanical actuation of pressure sensitive button  107  may inform software chip  109  of a user&#39;s selection of choices displayed using OLED layer  101 . 
       FIG. 1  shows illustrative components  101 - 113  of smart card  100  in an arrangement within a thickness of smart card  100 . The arrangement shown in  FIG. 1  is illustrative. Smart card  100  may include additional components not shown in  FIG. 1 , such as a biometric sensor. One or more of components  101 - 113 , and any additional components, may be arranged within smart card  100  in any suitable fashion. For example, pressure sensitive button may be located in space  113 . OLED layer  101  and/or solar panel layer  103  may flex or bend to allow a user to mechanically actuate pressure sensitive button  107 . 
     Some embodiments may not include all of components  101 - 113 . For example, a smart card may not include solar panel layer  103  or pressure sensitive button  107 . 
       FIG. 1B  shows illustrative view  102  of a smart card having a thickness of 0.8 mm. View  102  shows illustrative thicknesses of components  101 - 111 . View  102  shows that in some embodiments, pressure sensitive button  107  may include a portion  104  that protrudes from a surface of a smart card. In some embodiments, pressure sensitive button  107  may include a portion  104  that dips below a surface of the smart card. 
       FIG. 2  shows structures  200  of an illustrative OLED layer, such as OLED layer  101  (shown in  FIG. 1 ). Structures  200  include four layers: encapsulation layer  201 , organic layer  203 , circuitry layer  205  and substrate layer  207 . 
     Encapsulation layer  201  protects the OLED layer from exposure to oxygen, water and other contaminants. Preferably, encapsulation layer  201  is flexible and transparent. Glass is a typical material for constructing encapsulation layer  201 . When glass is used to construct encapsulation layer  201 , the glass may be very thin and flexible. For example, the glass may be between 50 micrometers (μm) and 100 μm thick. 
     In some embodiments, encapsulation layer  201  may be constructed using thin-film encapsulation techniques such as Atomic Layer Deposition (“ALD”). ALD is a process that utilizes chemicals that, when deposited on a material, react to create a solid, thin film. 
     Structures  200  include organic layer  203 . 
     Organic layer  203  typically includes an emissive solid-state semiconductor. Organic layer  203  may be constructed from a thin film of organic (carbon-based) material. For example, organic layer  203  may include one or more OLEDs. When electricity is applied to an OLED within organic layer  203 , electrons flow through organic layer  203  and release photons, thereby emitting light. Different types of emissive materials may be used. Each type of material may be associated with a different color light. An intensity of light emitted by organic layer  203  may be controlled by the amount of electricity flowing through organic layer  203 . 
     Organic layer  203  may be doped with “host” materials. Host material may affect properties, such as power efficiency, of organic layer  203 . For example, organic layer  203  may be doped with emitter materials that improve its operation and/or achieve a desired color. 
     Organic layer  203  may include two or more sub-layers (not shown). For example, organic layer  203  may include 5, 10 or 15 sublayers. Illustrative sub-layers may include: (1) an electron transport layer, (2) a blocking layer, (3) an emissive layer, (4) a hole transport layer and (5) an injection layer. The sub-layers may enhance an efficiency of the emissive layer. 
     For example, an emissive layer may be placed between a cathode and an anode. When electricity is applied, electrons flow from the cathode to the anode. OLED displays may be driven by either electrical current or voltage. In a preferred embodiment, the OLED display is driven by current. The cathode inserts electrons into the emissive layer, and the anode removes the electrons. The electron “flow” through the emissive layer releases photons, generating light. The color of the generated light may be changed by including different types of materials within the emissive layer. 
     A direction of light emitted by the organic layer may be controlled by a degree of transparency of the anode and/or cathode. In some embodiments, a cathode may be reflective. Such a cathode may be constructing using an aluminum based-compound or lithium fluoride. An anode may be transparent. A transparent anode may preferably be constructed using indium tin oxide. In such embodiments, when current flows between the cathode and anode, light is emitted through circuitry layer  205  and substrate  207 . Circuitry layer  205  and substrate  207  may be transparent. Such embodiments may be referred to as “bottom-emitting OLEDs.” 
     In some embodiments, the cathode may be transparent. Such a cathode may preferably be constructed using indium tin oxide. The anode may be reflective. The reflective anode may direct light toward the transparent cathode. Such embodiments may be referred to as “top-emitting OLEDs.” Typically, top-emitting designs are more efficient and are used to construct higher resolution displays. 
     Additionally, top-emitting designs may allow organic layer  203  to be formed on a non-transparent substrate. Small-and medium-sized OLED displays (e.g., 1-7 inches) are typically constructed using top-emitting techniques. 
     Organic layer  203  may form one or more pixels. Different architectures are available for forming pixels using OLEDs. One architecture includes positioning different color (e.g., red, green and blue) OLEDs adjacent to each other. Another architecture may include stacking different color OLEDs on top of each other. OLEDs may be stacked because materials used to construct organic layer  203  may be transparent. A stacked design may provide a smaller pixel size and higher resolution. 
     Structures  200  include circuitry layer  205 . Circuitry layer  205  includes electronics that drive one or more pixels formed within organic layer  203 . Preferably, amorphous silicon (“a-Si”) and low temperature polysilicon (“LTPS”) may be used to construct circuitry layer  205 . In some embodiments, circuitry layer  205  may be transparent. 
     Substrate layer  207  supports circuitry layer  205 , organic layer  203  and encapsulation layer  201 . Substrate layer  201  may be constructed using various materials. For example, substrate layer  207  may be constructed using glass, plastic or metal materials. In some embodiments, such as in bottom-emitting OLEDs, substrate layer  207  may function as encapsulation layer  201 . 
       FIG. 3  shows an illustrative software chip  300 . Software chip  300  may include chip module  302 , which may include one or more integrated circuits, and which may include logic configured to perform any suitable logical operation. 
     Software chip  300  may include one or more of the following components: I/O circuitry  304 , which may include a transmitter device and a receiver device and may interface with fiber optic cable, coaxial cable, telephone lines, wireless devices, PHY layer hardware, a keypad/display control device or any other suitable encoded media or devices; peripheral devices  306 , which may include counter timers, real-time timers, power-on reset generators or any other suitable peripheral devices; logical processing device  308 , which may compute data structural information, structural parameters of the data, quantify indices; and machine-readable memory  310 . 
     Machine-readable memory  310  may be configured to store, in machine-readable data structures: sensitive data, electronic signatures of biometric features or any other suitable information or data structures. 
     Components  302 ,  304 ,  306 ,  308  and  310  may be coupled together by a system bus or other interconnections  312  and may be present on one or more circuit boards such as circuit board  320 . In some embodiments, the components may be integrated into a single chip. The chip may be silicon-based. 
       FIGS. 4-9  show illustrative layers that may be present within an illustrative smart card. 
       FIG. 4  shows illustrative layer  402 . Layer  402  includes OLED layer (such as OLED layer  200 , shown in  FIG. 2 ).  FIG. 4  also shows that, in some embodiments, communication circuit  401  may penetrate layer  402 . 
       FIG. 5  shows illustrative layer  500 . Layer  500  includes solar panels  501  that may be used to power various components of a smart card (e.g., circuitry layer  205 , shown in  FIG. 2 ).  FIG. 5  also shows that, in some embodiments, communication circuit  401  may penetrate layer  500 . 
       FIG. 6  shows illustrative layer  600 . Layer  600  includes software chip  601 . Software chip  601  may include one or more features of software chip  109  (shown in  FIG. 1 ). Layer  600  includes battery  603 . Battery  603  may include one or more features of battery layer  105  (shown in  FIG. 1 ).  FIG. 6  shows that, in some embodiments, communication circuit  401  may penetrate layer  600 . 
       FIG. 7  shows illustrative layer  700 .  FIG. 7  shows that, in some embodiments, battery  603  may penetrate layer  700 .  FIG. 7  shows that, in some embodiments, communication circuit  401  may penetrate layer  700 . 
       FIG. 8  shows illustrative layer  800 .  FIG. 8  shows that, in some embodiments, battery  603  may penetrate layer  800 .  FIG. 8  shows that, in some embodiments, communication circuit  401  may penetrate layer  800 . 
       FIG. 8  shows that layer  800  may include magnetic stripe  801 . Magnetic stripe  801  may include magnetically encoded information. Magnetic stripe  801  may provide backwards compatibility for smart cards described herein. 
       FIG. 9  shows illustrative layer  900 . Layer  900  includes a second OLED layer  901 . Second OLED layer  901  may include one or more features of OLED layer  200  (shown in  FIG. 2 ). Second OLED layer  901  may allow front and back faces of a smart card to include an OLED display.  FIG. 9  also shows that communication circuit  401  may penetrate layer  900 . 
       FIG. 10  shows illustrative network architecture  1000 . Network architecture  1000  shows illustrative network nodes that may be accessed by smart card  1001 . For example, smart card  1001  may access the network via access point  1003 . The network may be a wireless network. The network may be a wired network. The network may include a combination of wired and wireless nodes. The network may include two or more networks. For example, node 3 ( 1013 ) may represent a second network accessible via node 2 ( 1007 ). 
     Access point  1003  may enable smart card  1001  to access other nodes on the network. In some embodiments, one or more of nodes 1-6 may be access points. Smart card  1001  may present an identity of the network on an OLED display. The OLED display may include one or more features of OLED layer  200  (shown in  FIG. 2 ). Smart card  1001  may be prompted to authenticate itself to one or more nodes on the network. 
     Smart card  1001  may display available purchasing instruments  1017  and  1019  stored on smart card  1001 . In some embodiments, when prompted by POS terminal  1011 , a user may touch the displayed purchasing instrument to transmit sensitive data associated with a purchasing instrument to pay for a purchase. 
     In some embodiments, before smart card  1001  transmits sensitive data to POS terminal  1011 , the user may be required to verify his/her presence by pressing button  1015 . In some embodiments, button  1015  may include a biometric scanner, such as a fingerprint reader. In some embodiments, POS terminal  1011  may prompt the user to present a biometric feature using biometric scanner  1009 . 
     For example, utilizing biometric scanner  1009  may avoid the user having to physically access smart card  1001  (e.g., remove it from a wallet). In some embodiments biometric scanner  1009  may be integrated into POS terminal  1011 . 
     In some embodiments, smart card  1001  may be swiped though legacy card reader  1005 . Legacy card reader  1005  may read account information stored on magnetic stripe  801  (shown in  FIG. 8 ). To provide more a secure authentication, user may be prompted to depress button  1015  or present a biometric feature using a biometric scanner embedded within button  1015 . The transaction may be approved or denied based on a result of the biometric scan. 
     For example, the node may require verification that the scanned biometric feature matches a known biometric feature associated with the user of smart card  1001 . The verification may be performed by smart card  1001  or by a node on the network. 
       FIG. 11  shows illustrative smart card  1100 . Smart card  1100  may include one or more features of smart card  100  (shown in  FIG. 1 ). Information may be stored on smart card  1100  and may be displayed using OLED layer  101  (shown in  FIG. 1 ). The information may include sensitive data. Smart card  1100  includes front-face  1101  and back-face  1103 .  FIG. 11  shows illustrative information that may be displayed on smart card  1100 . Smart card  1100  may utilize OLED display technology to present the information. Smart card  1100  may include at least two OLED displays. For example, smart card  1100  may include a first OLED layer as shown in  FIG. 4  and a second OLED layer as shown in  FIG. 9 . 
       FIG. 11  shows that front-face  1101  may display an identity of a network that is in communication with smart card  1100 . Smart card  1100  is shown displaying that it is connect to a network having a service set identifier “Network  7 .” 
       FIG. 11  shows that front-face  1101  may display a representation of sensitive data associated with one or more purchasing instruments stored on smart card  1100 . A user of smart card  1100  may touch one or more of the representations to select sensitive data that will be transmitted by smart card  1100 . In embodiments that include a touch screen, the user may touch one or more of the displayed representations to make a selection. 
     Smart card  1100  is shown displaying representations  1104  of four credit cards that are stored on smart card  1100 . A user of smart card  1100  may select one or more of representations  1104  to complete a purchase. In response to selecting one or more of representations  1104 , sensitive data associated with the user selection may be transmitted from smart card  1100 . 
       FIG. 11  also shows that front-face  1101  may provide access to menu option  1106 . The menu option  1106  may provide access to settings associated with smart card  1100 . Illustrative settings may include requiting all information to be displayed in graphical form, changing a user name/password, updating biometric information, adjusting power settings, turning on/off wireless communication or any suitable setting. 
       FIG. 11  also shows information displayed on back-face  1103  of smart card  1100 . Back-face  1103  may also utilize OLED display technology to present information to the user. 
     Back-face  1103  is shown displaying credit limit information  1105 . Credit limit information  1105  may be pushed to smart card  1100  over a network, such as via network nodes  1007  or  1013  (shown in  FIG. 10 ). Credit limit information  1105  may be pushed to smart card  1100  in response to an alert request submitted by a user of smart card  1100 . In some embodiments, credit limit information  11105  may be considered sensitive data. A user of smart card  1100  may be required to provide a biometric feature or other credentials before smart card  1100  displays credit limit information  1105 . 
     Smart card  1100  is also shown displaying video  1107 . Smart card  1100  may also include camera  1109 . Smart card  1100  may also include a microphone and/or speaker (not shown). 
     Information displayed on front-face  1101  may be displayed on back-face  1103 . Information displayed on back-face  1103  may be displayed on front-face  1101 . 
       FIG. 12  shows illustrative opposing faces  1211  and  1213  of smart card  1210 . Smart card  1210  may include one or more features of smart card  100  (shown in  FIG. 1 ). 
     Information may be displayed on face  1211  using a first OLED display, such as the OLED layer shown in  FIG. 4 . Information may be displayed on face  1213  using a second OLED display, such as the OLED layer shown in  FIG. 9 . 
       FIG. 12  shows that face  1211  may display sensitive data associated with user “John Doe.” Sensitive data displayed on face  1211  may be dynamically altered based on a user selection. For example, smart card  1210  may store sensitive data associated with one or more credit cards. The user may select to display on face  1211  the sensitive data with the one or more credit cards. 
     In some embodiments, sensitive data displayed on face  1211  may be pushed to smart card  1210  from a network node. A network node may instruct smart card  1210  to delete sensitive data stored on smart card  1210 . 
     When face  1211  is displaying sensitive data, face  1213  may display sensitive data or other information that is different from the sensitive data displayed on face  1211 .  FIG. 12  shows that face  1213  may include magnetic stripe  1215 . Magnetic stripe  1215  may allow smart card  1210  to be used with legacy card readers. Face  1213  also displays information  1217  and  1219 . Information  1217  and  1219  may be dynamically altered based on a detected location of smart card  1210 . For example, information  1217  may include discounts based on a location of smart card  1210  within a pre-determined radius of a retail location. Information  1217  may be dynamically altered based on items purchased using smart card  1210 . 
     Information  1219  may be pushed to smart card  1210  in response to an alert request or in response to detecting an available network. 
       FIG. 12  also shows that smart card  1210  may include EMV chip  1221 . EMV chip  1221  may be accessible through an OLED display on front-face  1211 . In some embodiments, EMV chip  1221  may be positioned underneath the OLED display on front-face  1211 . In such embodiments, EMV chip  1221  may be accessible via induction or other contactless methods of electronically transferring data and/or power. 
       FIG. 13  shows illustrative smart card  1300 . Smart card  1300  includes an OLED display on face  1301 . Face  1301  may be a front-face or a back-face of smart card  1300 . Smart card  1300  includes an OLED display on side  1305 . Smart card  1300  also includes an OLED display on side  1303 . Smart card  1300  may also include OLED displays on sides  1307  and  1309 .  FIG. 13  shows each of the OLED displays on smart card  1300  being illuminated. 
     Each of the OLED displays on smart card  1300  may be illuminated and controlled independently of each other. For example,  FIG. 13  shows the OLED display on side  1305  being illuminated and the OLED display on face  1301  displaying text. 
       FIGS. 14A-14D  show smart card  1400 . Each of  FIGS. 14A-14D  is shaded differently to show that smart card  1400  may be illuminated in different colors or patterns. Each of  FIGS. 14A-14D  also includes different text being displayed on smart card  1400 . Smart card  1400  may store multiple instances of sensitive data. Each instance of sensitive data may correspond to a different purchasing instrument (e.g., credit cards, debit cards). In response to user selection, smart card  1400  may display at least a portion of the sensitive data associated with the purchasing instrument corresponding to the user selection. 
       FIG. 14B  shows illustrative dimensions that may be associated with smart card  1400 .  FIG. 14B  shows that smart card  1400  may have a length of 85.60 mm.  FIG. 14B  shows that smart card  1400  may have a width of 53.98 mm.  FIG. 14B  shows that smart card  1400  may have a thickness of 0.8 mm. 
       FIG. 15  shows illustrative smart card  1500 . Smart card  1500  may include an OLED display.  FIG. 15  shows illustrative information that may be presented using the OLED display.  FIG. 15  also shows that smart card  1500  and its OLED display may be foldable about axis A f . Smart card  1500  and its OLED display may also be rollable. Smart card  1600 , when folded may have a size that is substantially 85.60 mm×53.98 mm×0.8 mm. 
     Thus, methods and apparatus for OLED universal plastic have been provided. Persons skilled in the art will appreciate that the present invention can be practiced by other than the described embodiments, which are presented for purposes of illustration rather than of limitation. The present invention is limited only by the claims that follow.