MXPA00006878A - Transaction system - Google Patents

Abstract

A network transaction system including terminals and database servers which are adapted to issue transaction cards as well as to accept cards for subsequent transaction use. The cards include impersonal information, i.e. not including any personal information about the user, and the terminals are adapted to capture personal information directly from the user for verification purposes. The impersonal information on the card and the personal information of the user are discrete.

Description

TRANSACTION SYSTEM This invention relates to a network transaction system that includes terminals and database servers and a multilayer transaction card. Preferably the cards are adapted for machine printing and terminal printing of the information recorded in different layers, and the terminal is adapted to transmit the recorded information to a database for electronic transactions between the terminal and the server. The word "card" is used here in a general manner to include any type of ticket, voucher, or document that requires registration and subsequent validation. Existing thermal printing materials include thermal sensitive paper for printing receipt and letter documents using thermal dot-line printers. The main disadvantage of known materials is that they exhibit discoloration upon exposure to light, resulting in a short life, and the thermal image fades, resulting in an illegible printed text. Another disadvantage of the known materials is that the thermal coating is applied on the upper surface of the substrate, which results in a low resistance to wear in the case of continuous handling. A further disadvantage is that the exposed thermal coating is susceptible to degradation caused by humidity and temperature.

Printing terminal devices such as fax-type terminals and retail terminals incorporating printers for thermal printing of letters and receipts using individual sheets or continuous rolls of thermally sensitive paper are known. Standard thermal printheads consist of heating elements that are 7 points high by 5 points wide or 8 points high by 5 points wide to form each character for point-line printing using a reciprocal print head or they consist of a single row of heating elements for dot-line printing using a stationary print head. The main disadvantage of these unknown devices is that they require complex means to synchronize the feeding of paper for dot-line printing, requiring a geared control device for continuous printing line by line in thermal paper materials, thus involving mechanical sequences and electric intermittent to raise the paper and to print on paper. Another disadvantage is that known devices are limited to printing on flexible materials in the form of rolls and not for printing on semi-rigid materials in the form of individual cards or fan-type bent cards according to what is described herein. These disadvantages are generally known and considered acceptable for producing thermally printed documents using dotted line heads taking into account that the exposed thermal layer is not continually exposed to natural or artificial light after printing on the terminal. One aspect of the present invention is for the purpose of avoiding or at least mitigating these disadvantages. According to a first aspect of the present invention, a transaction system is provided for carrying out a registration transaction in a terminal for issuing cards and registering the registration transaction in a database server for card auditing, comprising: (a) a device for receiving a non-issued card in the terminal; (b) a device for generating a card registration for printing on the card in the terminal for issuing a card; (c) a device for generating a card identifier for registering the card identifier in a server for card auditing; (d) a device for transmitting the card identifier between the terminal and the server to create a record or data file in a database server to record the registration transaction for card audit. A second aspect of the present invention provides a transaction system for carrying out a validation transaction in a terminal for card use and registering the validation transaction in a database server for card auditing, comprising: (a ) a device to receive a card issued in the terminal; (b) a device for reading a card identifier printed on the card in order to verify the card identifier on the server to use the card; (c) a device for transmitting the card identifier between a terminal and a server to locate a record or data file in the database server to validate the card and register the validation transaction for card auditing. The invention also encompasses a transaction system that includes a network of terminals and database servers, to execute a registration transaction in a terminal to issue cards, and register the registration transaction in a database server for audit of card, and to execute a validation transaction in the terminal for card use and register the validation transaction in the database server for card auditing using the same card in any database terminal. A third aspect of the present invention provides a transaction system for executing a registration transaction in a terminal to issue a card to a card user, and registering the registration transaction in a database server for card auditing, which comprises: (a) a device for receiving a non-issued card in the terminal; (b) a device for generating a card registration for printing on the card in the terminal for issuing tar; (c) a device for generating a card identifier for registering the card identifier in a server for card auditing; (d) a device for capturing a biometric image in the terminal; (e) a device for generating a user identifier from the biometric image to register the user identifier in the server for card auditing; and (f) a device for transmitting the card identifier and the user identifier between the terminal and the server to create a record or data file in a database server to record the registration transaction for card auditing.

A fourth aspect of the present invention provides a transaction system for executing a validation transaction in a terminal for issuing cards and a card user and registering the validation transaction in a database server for card auditing, comprising: (a) a device for receiving a card issued in the terminal; (b) a device for reading a card identifier from the card to verify the card identifier on the server for card use; (c) a device for capturing a biometric image in the terminal; (d) a device for generating a user identifier from the biometric image to verify the user identifier on the server for card use; (e) a device for transmitting the card identifier and the user identifier between a terminal and a server for locating a record or data file in a database server to record the validation transaction for card auditing. Preferably the terminal comprises a card path in line with a common input and an output slot, a device for transporting a card between a first stop position and a second stop position and comprising hooked rollers to grip and carry the card , and a device for holding the card in the second stopping position for a predetermined time, a device for transporting the card to the first stopping position, and a device for reading the card and then releasing the card through the slot. The invention also encompasses a card for use in cardholder terminal transactions, comprising a multi-layer material including a layer of thermographic material covered with a barrier layer adapted to prevent fading of a thermal image formed on said material. The multi-layer material preferably comprises sheet materials such as paper, cardboard, plastic film / metal foils and fabrics and incorporates coating materials such as for example solvent-based polymers and inks, rubbers and silks, with adhesive and thermal properties to prefabricate the multi-layer material in sheet format or fan-type bending.

The multi-layer material has primarily the purpose of knowing printed documents such as cards, tickets, vouchers, and formats for issuance at record terminals to authorize electronic transactions, but is not limited to applications for transactions, such as, for example, in terminal of driver's license documents as well as taxes on vehicles, and any other format of security document. For simplicity, the multi-layered material will be mentioned as in card form as a multi-layer card or card. According to the intended purpose, the multi-layer card comprises two or five layers selected by individual properties to produce card types for specific use and function. Preferably, the multi-layer card for all card types is designed for automatic printing (which can be thermal) on both sides of the card for the purpose of printing the card text and a card code, and for printing in the terminal in the thermal printing area to print a card record. Machine printing and terminal printing is preferably applied to different layers of the multi-layer card for card description and card registration in order to offer separate security printing operations, before and after shipment in terminal . The multi-layer card can be constructed as a two-part laminate in which an adhesive coating is applied on one side of a substrate sheet to form the bottom, and a coating and thermal coatings are applied over a film of coating to form the upper part, and the two parts are adhesively bonded thereby forming a material with an upper coating and a lower substrate, each coating forming a separate layer contained within the laminated product to form a five layer card. The coating film, transparent, has the purpose of offering a high resistance to wear and the coating layer, of pastel color, has the purpose of avoiding the degradation of the thermal layer during use. The multi-layer card can also be constructed without lamination by first applying the thermal layer on one side of the substrate sheet and then applying the barrier layer directly on the thermal layer to form a barrier-coated card, ready for machine printing, to print the text of the card and the code of the card, and define the thermal printing area for the registration of the card. In this example, the coating film is not used and the thermal and barrier layers have adhesive properties to form a three-layer card. Alternatively, the substrate sheet may include temperature sensitive properties to provide a two layer card. An additional advantage of the multi-layer card is that the same equipment for machine printing the card text and the card code can be used to apply the barrier layer on the coating film or to apply the barrier layer on the thermal layer in a range of colors and densities to allow successive machine printing operations for the production of the cards using high speed equipment based on 5 standard methods of typography, lithography or engraving. One modality of the thermal device is focused on cardholder transactions in payment and outlets in retail stores using multi-layer cards and is a dual-function terminal for printing and to issue cards for registration of cards, and to read and • verify cards for card validation. According to the description of the card for each type of card, consumers buy card for registration and card use card validation for transactions of card holders in stores and retail outlets. The range of card type includes cone for example, credit cards and debit cards, lottery cards • and of competitions, loyalty cards and vouchers, funds and pension cards, subscription cards and memberships, loans and mortgages cards. When a multi-layered card is inserted into the terminal to register the card, the terminal generates a set of numbers, letters or symbols, for printing within the thermal printing area of the card, and generates a registration code to form a card identifier to be transmitted in binary form to a remote database server to create a record in the database. The card registration is formed in the thermal layer by a thermo-chemical reaction to provide a permanent image on the multilayer card for subsequent thermal insertion to read the registration code to form the card identifier for transmission to verify the registration of card for card validation in order to complete a cardholder transaction. In the preferred form of a terminal device, the print head of the terminal printer consists of a set of heating elements in a row orientation to supply energy to each row of thermal elements in a predetermined sequence to form the complete record of card in the thermal printing zone when the multi-layer card is inserted into the terminal and held in the stationary position for terminal printing of the card record. Preferably, the terminal device is such that the multi-layer card can be inserted into the terminal with the coating film facing the print head to allow the coating film to be pressed against the set of heating elements that receive energy selectively to transfer heat to the thermal layer in order to produce the thermo-chemical reaction so that the thermal layer and the barrier layer simultaneously change to black to form a permanent image of the card record below the coating film within the heated areas defined by each heating element. The layers forming said top portion may only have 80 μ thickness to allow the card registration to be thermally printed at high speed. Preferably, the terminal device is positioned in such a way that a multi-layer card (in the form of sheet material or not) is held in a stationary position for printing on the terminal using a dot-zone printhead or dot-line for thermal printing instead of the terminal printing method that employs a dot-line print head for paper printing and paper-lifting cycles currently employed are known devices for terminals. Some embodiments of the invention will now be described, by way of example, with reference to the accompanying diagrammatic drawings, in which: Figure 1 shows the front face of the layer material multiple in card form.

Figure 2 is an enlarged cross section of Figure 1 constructed in a multiple layer variant. Figure 3 is an enlarged cross-sectional view of Figure 1 constructed in another variant of multiple layers. Figure 4 is an enlarged cross-sectional view of Figure 1 constructed in another variant of multiple layers. Figure 5 is an enlarged cross-sectional view of Figure 1 constructed in another variant of multiple layers. Figure 6 shows the front face of u to multilayer card with an example of card registration for terminal printing in the thermal printing zone. Figure 7 shows the front face of a multi-layer card with another example of card registration for thermal printing in the thermal printing zone. Figure 8 shows a range of combinations of numbers and symbols for card registration, for terminal pressure in the thermal printing zone. Figure 9 is a plan view of the terminal device for cardholder transactions. Figure 10 is a rear view of the terminal device for transactions with card holders. Figure 11 is a side elevation and partial cross section of the terminal printer and the scanner in the rear section of the terminal device. Fig. 12 is a front view of the dot-zone print head illustrated in the X-X view of Fig. 11. Fig. 13 is a side elevation in partial cross-section of an alternative terminal printer. Figure 14 is a side elevation in a partially transverse section of the terminal sensor and display device in the front section of the terminal device. Figure 15 shows the sequences of terminal transactions for printing and issuing of card types for card registration. Figure 16 shows the terminal transaction sequences for reading and verifying card types for card validation. Figure 17 shows the front and back side of a credit card for terminal transaction before and after the registration of the card. Figure 18 shows the front and back side of a lottery card for terminal transaction before and after registration of the card. The following terms are used in the following description of the preferred embodiments with the following meanings: Network: terminals that are preferably linked to servers to form independent networks for automatic transaction of cards, each network comprises different types of cards for registration transactions and validation. Database terminal: a terminal that incorporates a database to compile registration data for printing in a document (cards) and to compile data of a 5 identifier to transmit a registration code for the document and to transmit a template for a fingerprint (user). Database server: a server that incorporates a database to receive identifier data from a database database terminal and transmit identifier data • to a database terminal. Card identifier: impersonal information printed on a document in a database terminal to form a registration code for transmission as an identifier of discrete card to a database server. User identifier: a personal information captured on a biometric sensor in a database terminal to form a template such as, for example, a template • fingerprint for transmission as an identifier discrete user to a database server. Data file: a record of identifier data stored in a database server to match the registration code of a document (card identifier) and the template of a fingerprint digital (user identifier), and to register a valid transaction for auditing. Figures 1 and 2 show the card 1 constructed of a multilayer material 2 for machine printing and • terminal printing according to the invention in which the multiple layers 3 to 7 for the material 2 cover the front face of the card 1. The covering 3 is made of a transparent plastic film with a color barrier layer 4 joined on one side of the liner 3, and a thermal layer 3 attached to the barrier layer 4 to form the upper part of the material • 2 for lamination on the lower part. The coating 3 can comprise any rigid or plasticized plastic film, for example terephthalate polyester or polyvinyl acetate in the thickness range of 10 to 200 μ, the coating 3 is surface treated on the underside for machine printing, to print the text of the card (not shown) in the barrier area 4A, print the card code (not shown) in the barrier area 4B , print the opaque edges in the areas of barrier 4C to define the thermal printing zone 4D and apply the barrier layer 4 in the thickness range of 10 to 50 μ to complete the printing operation with machine before the application of the thermal layer 5 in the lag thickness from 10 to 100 μ as the final production step for complete the top of the lamination.

The barrier areas 4A to 4D vary in color density and resolution. For example, 4C barrier area is machine-printed at 100% color density and high • resolution to provide opaque edges on card 1. 5 Barrier areas 4 A and 4B are machine-printed with barrier layer 4 in a 50% color density and high resolution. The barrier area 4D is printed with the machine with the barrier layer 4 at a color density of 50% and at medium resolution as this area is used for 10 terminal printing of the card registration on the card • 1. Machine printing of card text and card code (not illustrated) and opaque edges (4C), and barrier layer 4 in barrier areas 4A, 4B and 4D is visible below of coating 3 .. 15 The thermal layer 5 can comprise any thermal sensitive coating which reactions with temperatures within the range of 40 ° C. at 100 ° C to generate the thermo-chemical reaction to form the permanent image from white to black in the thermal printing zone 10 for card registration. The lower part of the material 2 comprises the adhesive layer 6 and the substrate 7 for lamination on the top side 2. The adhesive layer 6 can comprise any polymer or rubber, for example acrylic and polyurethane to be applied on the substrate 7 in the 10 thickness range to 100 μ to provide the contact adhesive layer 6 for laminating said bottom part on said top portion. The substrate 7 can comprise any grade of printing paper, cardboard, or plastic composite within a range of thicknesses of 100 to 400 μ to provide a smooth compressed substrate for machine printing, in order to print the text of the card type card on the side of the substrate 7 which is the face Rear of the card 1. A wax or silicone backing sheet can be placed on top of the adhesive layer 6 for storage of substrate 7 or supply of said bottom part for subsequent lamination on said top part. It will be understood that the material 2 in this example consists of an upper part constituted by three layers (coating 3, barrier 4 and thermal layer 5), and of a lower part constituted by two layers (adhesive layer 6 and substrate 7), thus forming a five-layer material, two in the final lamination. Figure 3 shows the variant of material 15 for card 1 in Figure 1 where a four-layer construction is produced by using an adhesive thermal coating to provide a thermal adhesive layer 16 for lamination of the upper and lower parts together. In this example, the material 15 is designed to provide a card in the form of a thinner sheet 1.

Figure 4 shows the variant of material 17 for card 1 in Figure 1 where a five-layer construction without substrate 7 is produced by the use of two coatings 3, two layers of bar 4 and one adhesive-thermal layer 16 for lamination of the upper part and lower part together. In this example, the material 17 is designed to provide a completely plastic laminated product for the card 1.

Figure 5 illustrates the material variant 18 for card 1 in Figure 1 where a three-layer construction is produced by using the barrier layer 4 as the card surface in place of the coating 3. In this example, the material 18 is designed as a material of a part 18 that does not require an adhesive layer 6 since the barrier layer 4 is applied and adheres directly on the thermal layer 5 which is applied and adhered on the substrate 7, to provide a card not laminated at low cost 1. Figure 6 shows the front side of the card 1 with a card text area 8 and a card code area 9 for machine printing of the card text and card code (not illustrated) ) and shows by way of example, a card register 20 formed in the thermal printing zone 10 after the terminal printing, to provide a sheet variant for the card 1. This card registration is designed for a card credit or a background card 1.

The card register 30 consists of, from left to right, the registration logo 21, the registration mark 22, and the registration code 23 which are permanent images • formed by the terminal 50 printer that will be described later 5. The logo 21 is generated by the terminal computer to identify the issuer of the card and authenticate the printing of the terminal of the card register 20 for a cardholder transaction subject to the conditions general and particular uses imposed by the institution • who issued the card to the card holder. The logo 21 acts as a security seal formed as a permanent image in the thermal printing zone 10. The mark 22 is generated in a random manner pro la thermal computer in order to form a 14-digit registration mark 22 to represent the serial number of the institution that issued the card, said serial number includes the date of issuance of six-digit card. Terminal 30 is pre-loaded with a block series of 8-digit numbers for 5 thousand card holders and a block of 3-digit series of numbers for one thousand types of cards to form a common combination of numbers for each type of card and provide 11-digit serial numbers with 5 million combinations per terminal. The 8-digit serial number is part of the 14-digit registration mark 22 (the 6-digit delivery date forms the other part) for printing at terminal JH in the thermal printing zone 10. Code 23 is illustrated as a 5-data matrix symbology and is generated by the terminal computer to compile the card register 20 as the origin point. The code 23 consists of the card type number (3 digits) in the card code area 9, the terminal number (5 digits) the registration mark 22 (14 digits) and the delivery time (4 digits) to form a 26 digit data matrix as the code 23 for terminal printing in the thermal printing zone 10. The terminal 30 generates the code 23 to form the card identifier for transmission in binary to the card type server for entry into the database to register the card registration 20 for the card 1. It will be understood that the card registration 20 is registered in code 23 on card 1 and the database of the card type server. As a consequence, card 1 can now be used for cardholder transactions in any terminal 30 as the code 23 is read by the terminal browser 45 and transmitted for facsimile correspondence in the database for card validation. Figure 7 shows the front face of identity presentation card 1 as described above, except that in the card registration mark 25 consists of a registration mark 26 and a registration code 27 formed in the thermal printing zone 10 after the terminal printing in order to offer a low cost non-laminated variant for the card.1. This card record is designed for a lottery card 1. The mark 26 comprises numbered symbols generated by the terminal computer to form a set of five symbols to represent a line of lottery games to correspond to the printed lottery prize line with machine in the barrier area 4A (not illustrated) in the card 1. The terminal 30 is also preloaded with the numbers and symbols to form a common set of symbols for terminal printing in the thermal printing zone 10. The code 27 is shown as a data array symbology generated by the terminal computer to compile the card record 25 as the origin point. Code 27 consists of the card type number (3 digits) in the card code area 9, the terminal number (5 digits), the registration mark 26 (20 digits), the issue date (6 digits) and the dispatch time (4 digits) to form a 38-digit data matrix as the code 27 for terminal printing in the thermal printing zone 10. In this case, the terminal 30 receives the code 27 as the card identifier transmitted in binary from the card type server for terminal printing of the registration mark 26 and code 27 to form the record of • card 25 on card 1. 5 Figure 8 shows a typical range of registration marks 28 generated randomly by the terminal computer to form different combinations for different types of cards as exemplified in Figure 7. It will be understood that the permutations for form sets of registration marks 10 28 based on the numbers illustrated, letters and symbols in • any combination, for any type of different card, are of an order of magnitude. The terminal 30 includes a main terminal board 68 in the front compartment 67 with a hard disk RAM 15 processor and modem, power source and backup battery, as well as associated interfaces for operating the printer 50, the browser 45, the keyboard 36 , the display device 35 and the sensor 34, and to transmit all the codes of • registration (for example 23 and 27) to servers linked by carrier and from servers linked by carrier for a facsimile card registration correspondence (20 and 25) to verify any card registration for card validation to complete any transaction of cardholder. Figures 9 and 10 illustrate the terminal 30 in plan and rear view and consists of a front panel 31 and upper panel 32 for mounting the sensor 33 installed with the terminal sensor 34. Adjacent to the sensor 34 is the display device for Terminal 35 equipped with two screens so that both the cardholder and the person attending the terminal can see them. Adjacent to the display device 35 is the terminal keyboard 38 for operation by the person in charge of retail stores and department stores, to provide service to cardholders at the point of sale. Adjacent to the keyboard 36 is the access cover 37 for service access to the rear compartment 44, delimited by an internal wall 42, a rear panel 39, side panels 40 and a base 41 for containing the terminal scanner 45 and the printer of terminal 50 to print card 1 in the terminal. The access cover 37 incorporates the card slit 38 to insert a card 1 for card registrations and card validations. The terminal 30 is therefore pigeon-holed by the front panel 31, the top panel 32, the display device 35, the keyboard 36, the access cover 37, the rear panel 39, the side panels 40 and the base 41, to provide an integrated terminal 30 for placement in counters at retail outlets for transactions with several cards. Figures 11 and 12 show the position of the scanner 45 and the printer 50 housed in the rear compartment 44 of the terminal 30 the scanner 45 is rigidly supported in brackets 47 connected to the two vertical side plates 51 of the printer 50 illustrated in partial cross section. The two side plates 51 are rigidly mounted on the inner wall 42 for positioning and aligning the printer 50 and the scanner 45 with the card slot 38 in the access cover 37 for manual insertion of the card 1 into the terminal 30 The browser 45 incorporates a video camera and emits a beam 46 with the electronic processor and output devices (not illustrated) to read the data array symbology. The browser 45 is therefore aligned to read the data matrices (not illustrated) in the card code area 9 when card 1 is inserted to identify the card type number (3 digits) and read the data matrix in the thermal printing zone 10 after the thermal printing of the registration code 23 and 27 on the card 1 before the removal of the card from the terminal 30. The browser 45 is positioned to read the data matrix in the code area 9 and printing zone 10 in the first stop position 63 for card identification, card registration and card validation in order to offer mechanical and electrical simplicity by employing an explorer and printing system for all terminals 30. The terminal printer 50 comprises two vertical side plates 51 spaced apart to allow the card to pass through. each vertical side plate 51 enters for guidance. The two vertical side plates 51 are rigidly connected at the top by the transverse bridge guide 53 and at the bottom by the base plate 52. The bridge guide 53 is an extended card slot for auto-aligning the card 1 for vertical insertion and removal of the card 1. Below the bridge guide 53 are the two transverse throttle rollers 54 mounted on bearings at each end on the two vertical side plates 51 to drive rotation through an electric motor (no. illustrated) mounted on the other side of one of the side plates 51. the motorized throttle rollers 54 rotate in the opposite direction and present synchronization through gears 49 to ensure equal rotation when the card 1 is transported between the throttling rollers 54 and card guides 65, either downward by inward rotation or upward by rotation outwardly between the first stopping position 63 and the second stopping position 64.

The control device for starting and for the motorized throttle rollers 54 is activated by the keypad 36 to give instructions in the direction of lowering the card 1 from the first stopping position 63 to the second stopping position 64 and is deactivated by the sensor 62. The control device for starting and for the motorized throttle rollers 54 is then activated by the solenoid 60 (retraction) to give instructions in the sense of raising the card 1 from the second stopping position 64 to the first position of stop 63 and is deactivated by a timer (not shown). The second stopping position 64 is used for terminal printing. Underneath the motorized throttle rollers 54 is the transverse printing head 55 fixedly mounted in the lateral grooves 57 of the two vertical side plates 51 with the set of point-zones 56 positioned opposite the resilient front 66 attached to the sliding flat plate. 59 connected to the solenoid actuator bar 60. The solenoid 60 is connected to a bracket 61 mounted rigidly on the base plate 52. The control device (not shown) for operating the print head 55 is connected to electronically on the pin connector 58 of the print head 55. The heating elements are located inside the body of the print head 55 and are visible in figure 12 through the view in section XX as the set of dots - zones 56. The set of points-zones 56 of the print head 55 consists of rows of miniature heating elements, each capable of operating r independently by the application of an electrically driven energy in a programmable sequence of row pro by a programmatic known per se. The arrangement of point-zones 56 for the thermal printing area of 8 mm high x 80 mm wide consists of 40, 960 heating elements based on 8 points per millimeter to achieve high resolution images using thermal point-zone printing . In operation, the card 1 is pressed against the set of points-zones 56 by the movable flat stage 59 in the stationary position during printing in the terminal and the energy pulse of each heating element transfers heat to the thermal layer 5 of card 1 to form permanent images constituted by individual points through a thermo-chemical reaction. It will be understood that the thermal printing zone 10 in the card 1 is designed to be in the printer 50 in the second stopping position 64 to ensure that the thermal printing zone 10 is between the print head 55 and the movable flat platen 59 for printing on the registration terminal of any card, for example 20 and 25 on the card 1. Furthermore, when the movable flat stage 59 is retracted, a vertical path is provided so that the card 1 can go down to the second stop position 64 for terminal printing. Figure 13 shows an alternative terminal printer 70 of a construction similar to the printer 50 except that the print head 71 incorporates a set of dots-lines 72, for example, 0.1 mm high by 80 mm wide, and a sliding circular plate 73 with a motor shaft 75 mounted on spring-loaded slide bearings (not shown) housed in the two vertical side plates 51 for a sequential reciprocation by the motorized cam shaft 76 and sequential rotation by the throttle rollers 54 , in operation, the circular plate 73 moves back and forth for a closing-opening movement caused by the separated end cams 77 in the motorized cam shaft 76 which engages the motor shaft 75 of the circular plate 73. The circular plate 73 includes a resilient face 74 and the motor shaft 75 rotates in unison with the throttle rollers 54 through an interconnection of grane (not illustrated) on the outside of one of the vertical side plates 51 during the card raising sequence in the open position. In operation, the closing-opening cycles are mechanically synchronized for card printing in the closed position and for raising the card in the open position. As a consequence, the circular plate 73 presses the card 1 against 1 set of dots-lines 72 in the closed position to print the card, and the circular plate 73 releases the card 1 in the open position to raise the card by means of the rollers of choke 54 to complete said closing-opening cycle. The resilient face 74 of the circular plate 73 is made to deform upon contact with the card 1 to increase the contact area and consequently the pressing area against the card 1 in the closed position which is larger than the printing area from the set of line-points 72. The choke rollers 54 in unison with the circular plate 73 rotate partially to raise the card 1 and to rotate the plate 73 in increments of line-points in the open position. It will be understood that the heating elements of the set of point-lines 72 are also synchronized to give energy pulses in the closed position to transfer heat to the thermal layer 5 of the card 1 to form permanent images constituted by individual points for each cycle of dot-line printing and elevation. The set of dots-lines 72 has a smaller printing area, for example 0.1 mm high by 80 mm wide, requiring a smaller number of heating elements while maintaining a mechanical and electrical simplicity like the terminal printer 50 Figure 14 shows the position of the terminal sensor 34 in the upper panel 32 of the terminal 30. The sensor 34 is mounted on the lower side of the molded edge 33 with the face of the sensor 34 fitted flush with a guide recess 33c of the edge 33 for the placement of the finger. The edge 33 includes registration lines 33a, 33b to provide visual guides for placing a finger at a position on the sensor 34 aligning the cuticle on the fingernail side of the finger with the registration lines 33a, 33b and simultaneously placing the finger on the finger. the center of the recess 33. The registration lines 33a, 33b and the recess center position represent an imaginary X and Y axis on the face of the sensor 34 (therefore not shown). Sensor 34 is used to capture "live scan" fingerprint images to generate user identifiers for transmission in binary to servers linked with carriers for entry into the database to store personal fingerprint templates in addition to the registry 20 for a corresponding facsimile type card at the server end. It will be understood that the registration code 23 and the fingerprint template are generated by the programmatic of the terminal to form a two-part bit stream comprising a card identifier and a user identifier for binary transmission, and oriented with the registration code 23 that acts as a discoverer to route the call to the correct card type server and places the correct registration code 23 stored in the database for facsimile type correspondence of two constants 23. As a consequence, the template of live scan fingerprint and stored fingerprint template can be compared to accept or reject the user of card 1 in any terminal 30. (It will be noted that the live scan fingerprint templates are variable due to biological changes newspapers). In the front compartment 67 of the terminal 30, limited by the inner wall 42, the side panels 40, the front panel 31, the rear panel 32, and the base 41 meet the main board 68 with processor (not shown) and associated elements for operating the terminal 30 in combination with the keyboard 36 and display devices double 35 mounted on the top panel 32. The double display device 35 incorporates two display screens so that the terminal attendant and the card holder can see transactions at the terminal at the same time. Figure 15 presents a list of the sequences of operations in the terminal with reference numbers for printing and issuing the card registration 20 on a credit card 1 and for printing and issuing the card registration 25 on a lottery card 1, which is further illustrated in Figures 17 and 18 for further explanation. The sequence at terminal 80 for credit card 1 is a double-printing operation since credit card 1 is a two-part card with a perforation to separate card 1 into two parts, so that the upper part is delivered The holder of the card and the lower part is retained by the seller after the issuance by the terminal. As a consequence, the lower part is first inserted into the terminal 30 for terminal printing and removed for separation, and the upper part is then inserted into the terminal 30 for terminal printing and removal. The sequence in terminal 81 for a lottery card 1 is a single printing operation since the lottery card 1 is a one-part card. As a consequence, the card 1 is inserted in the terminal for terminal printing and removal. This card 1 is designed for registered, authorized lotteries and promotions and is divided into categories such as a prize lottery system. Figure 18 presents a lottery card 1 for free prize promotions.

Figure 16 presents a list of the operation sequences in the terminal with reference numbers for reading and verifying the card registration 20 on a credit card 1 for card validation and for reading and verifying the card registration 25 on a card of lottery 1 for card validation which is further illustrated in figures 17 and 18 for further explanation. The determined sequence 82 for credit card 1 is applicable for card validation in terminal 30 with identification of card holders for card validation. As a consequence, the sensor 34 is pressed by the cardholder when the credit card is inserted in the terminal 30 to locate the card register 20 by facsimile type correspondence and verifies the identity of the cardholder by means of template correspondence for validation card and credit transaction in the database server. The sequence of terminal 83 for lottery card 1 is applicable for card validation in terminal 30 without identification of the cardholder. As a consequence, the sensor 34 is not used for identification of the cardholder and the lottery card 1 is inserted in the terminal 30 to locate the card register 25 by facsimile type correspondence for card validation and awarding of prizes in the database server.

Figure 17 illustrates the credit card 1 based on the multilayer material 2 before and after printing at the card registration terminal 20 in the two part thermal printing zone 10. The credit card 1 describes the card text in the card text areas 8 on the front face 85, 86 and on the rear face 87, 88 which are printed by machine during the production of the card 1. The printing area 10 is shown subdivided for printing at the card registration terminal 20. The top part of the credit card 1 for use by the cardholder, after printing at the terminal, shows the logo 21, the brand 22 and the code 23, to form the card register 20 as permanent images in the barrier layer 4 which is located under the coating 3 as illustrated in figure 2.

Figure 18 illustrates the lottery card 1 based on the multiple layer material 18 before and after the printing of the card registration terminal 25 in the thermal printing zone of a part 20. The lottery card 1 describes the text of the card in the card text area 8 on the front face 89, 90, and on the back side 91, 92, which are printed by machine during the production of the card 1. The thermal printing zone 10 is illustrated subdivided for printing in the card registration terminal 25. The lottery card 1, after printing in the terminal, shows the mark 26 (5 symbols) and the code 27 to form the card record 25 as permanent images in the layer barrier 4, as shown in Figure 5. A terminal transaction for card registration will be described below for a credit card 1, in accordance with that illustrated in Figure 17. The two-part card 1 is inserted at terminal 30 in the card slot 38 to the first stop position 63 and the scanner 45 reads the 3-digit matrix in the code area 9 to illuminate the card selector key on the keyboard 36. The key which activates the motor to rotate in opposite direction the throttle rollers 54 inward and thereby grab each side of the card 1 to lower the card 1 between the card guides 65 and between the print head 55 and the platen flat 59, whereby the lower edge of the card 1 comes into contact with the sensor 62 in the second stop position 64 to stop the motor that drives the choke rollers 54, and the solenoid 60 act to extend the flat stage 59 to press card 1 against the set of points-zones 56, so that the print head 55 receives energy for terminal printing in the thermal printing zone 10 of the card 1 which is now constantly pressed against the set of dot-zones 56. The print head 55 is controlled by the programmatically to generate the energy pulses in row orientation to form dotted lines in sequential order through thermal transfer from the heating elements that receive energy to the thermal layer 5 to cause the thermo-chemical reaction, so that the thermal layer 5 becomes discolored (black) at the heat contact points which in turn discolour (black) the barrier layer 4 to produce a permanent image (in contrast to the original barrier layer 4) constituted by individual points to form in card register 20 in thermal printing zone 10 of card 1. The permanent image of card register 20 is now formed below d the liner 3. The solenoid 60 is activated when the print head 55 completes the printing sequence and retracts the flat platen 59, whereby the motor rotates the throttling rollers 54 in the opposite direction to raise the card 1 towards the first stop position 63 and stops, and thus activates the browser 45 to read the data matrix code 23 (26 digits) to generate the code bit stream 23 to form the card identifier. The terminal display device 35 now requests the cardholder to press the sensor 34 to generate the bitstream for the fingerprint template to form the user identifier, whereby the terminal 30 orients the bit stream of two. parts, card identifier followed by user identifier for binary transmission 5 to the card type server to create a record or data file in the database and receive acceptance of the display device 35 for the removal of the card 1 of the terminal 30. The card 1 is a two-part card and therefore 10 has two thermal printing zones 10. The lower part is • now peels off and the top part is inserted into the terminal 30 for terminal printing in the second stop position 64 and terminal removal in accordance with that described above for duplicate printing only. The top of card 1 is delivered to the cardholder ready for use. A terminal transaction for card validation will be described below for credit card 1 as • is illustrated in Figure 17. The credit card of a part 1 is inserted manually into the terminal 30 in the card slot 18 towards the first stop position 63 and the browser 45 reads the data matrix code ( 26 digits) 23 in the thermal printing area 10 to illuminate the selector key of card on the keyboard 36.

The terminal employee types the transaction value for display in terminal 35 and requests the cardholder to press sensor 34. Terminal 30 generates and directs the current bits of 3 parts, card identifier followed by the identifier of user and then transaction value for binary transmission to the card type server to locate the record or data file in the database by facsimile type correspondence and to verify user identification by means of template correspondence to enter the value of the transaction for a credit transaction and receives from the display device 35 the acceptance (or rejection), for the removal of card 1 from terminal 30. Transactions in terminals for a lottery card 1 as illustrated in figure 18 they use similar registration and validation procedures except that the lottery card 1 is a card of one part and by The next one has a thermal printing zone 10 for thermal printing and the sensor 34 is not used to generate a user identifier and therefore we are required to correspond to the template. The transactions in the terminal described above are completed within a period of 15 seconds as the terminal 30 has a continuous line connection to the computing center for routing calls to the card type servers. It will be understood that some functions are subject to a preset calibration timing, including the removal of the print head 55 for service or maintenance and reinitialization due to the high shipping rates for card records. The materials 2, 15, 17 and 18 can be modified in several ways. Similar holograms, watermarks and security features can be incorporated into the coating 3. The barrier layer 4 can include composites composed of materials, for example indelible inks and iridescent inks or pearl and metallized inks, fluorescent and luminescent pigments, additives thermochromic and phosphorescent, light blocking compounds and ultraviolet light stabilizers, printing fillers as well as opalescent mixtures. The barrier layer 4 may be based on impact-reactive materials or compounds to form the permanent images without applying heat using pressure as encapsulated microcells containing liquids that explode at the time of an impact. In this modification, the thermal layer 5 is not used. The composition of said materials can be electrosensitive comprising surface conduction and reverse conduction properties for the conversion of electric impulses instead of energy pulses.

Alternatively, metallized layers deposited in a vacuum state with electrical resistance can be used. Such materials can be constructed for use as security paper, facsimile type, and other registration paper for bank drafts. Air tickets and railway tickets, payroll and accounting documents, particularly labels and envelopes, which can all be supplied from a terminal 34 in modified form for other uses, for example, sale and labeling in the form of continuous rolls or in a fan-shaped folded form from receptacles placed in the terminal device 30. Said materials may include electronic flakes or magnetic layers and use any two-dimensional symbology for card registration, for example linear, stacked, graphical or of the type of data matrices, as it is presented by way of example above. Such symbologies are in the public domain and are known as channel code, measurement code, BC412, barcode, planet code, PDF417, supercode, maxi-code, Aztec code, matrix code, 3-DI, dataglyphs, cup code of snow, and intelligent code all capable of being used for terminal printing of the registration code 23 and registration code 27 in the thermal printing zone 10. Said materials can be used to sign names or to write information in the thermal printing zone 10 using a thermal pen or laser pen to form a permanent image without using the terminal device 30. The terminal device 30 can be modified in various ways. The terminal 30 can be adapted to feed rolls or to feed fan-like folds of the card 1 by removing the base plate 52 from the printer 50 to allow a continuous length of said material, with horizontal lines of perforations and spaced apart for separation, pass between a movable print head 55 and a fixed flat plate 59, the card guide 65, the choke rollers 54, the bridge guide 53, and emerge from the card slot 38. In this modification, said material is stored in a receptacle below the terminal to form a terminal storage device 30 for dispensing by coin or coin operation in the case of vending machines and machines for amusement, to issue cards or tickets. The flat plate 59 may be pivotably connected to the solenoid 60 or supported on the end guides to provide accurate alignment during displacement at the front of the set of dot-zones 56 or set of dot-lines 72. The platen 59 can be used in place of circular plate 73 in the form of a straight edge is a resilient face 74 joined along the edge of flat plate 59 and can be moved through a non-rotating means as well as through a rotating means which can be guided in slidable mounting devices in each vertical side plate 51, and spring-loaded in a direction of reciprocal movement. Alternatively, the flat plate 59 the circular plate 63 can be mounted in pendulum form on side plates 51 for oscillating movement. The printer 50 and 70 can be adapted in the placement of a tape cassette to deposit a printed image by applying heat directly on the coating 3 or the barrier layer 4 of the card 1. The print head 55 can be adapted with a dot-line assembly 72 and slidably mounted for dot-line printing in a sequential row-by-row order on the stationary card 1. The print head 55 is mounted in sliding slots 57 for spring-biased operation. The set of dot-zones 56 and set of dot-lines 72 can be used for the thermal printing of a single or multiple line of dots or stripes to form permanent images in a dot matrix pattern or segment for numbers, letters, symbols or codes according to the printing area of the set of points-zones 56 and the set of points-lines 72 for stationary printing cycles. The terminal device 30 is designed for modular lateral extension by removing the side panels 40 and placing side sections for ticket printing to provide a terminal device 30 for printing cards and tickets using separate slots 38. The side panels 40 are placed on the side sections of the terminal 30. The terminal 30 is a database terminal that is linked by carrier to database servers to function as a telephone for electronic transactions and can therefore be used for in-line or dial-up modes for inbound and outbound transmissions using existing means of communication over lines and waves.

Claims (3)

1. CLAIMS l.A transaction system for registering an impersonal transaction card in a terminal and registering an impersonal card identifier in a database server, comprising: (a) a device for receiving an impersonal transaction card in the terminal; (b) a device for originating an impersonal card identifier for the type of card in the terminal; (c) a device for printing and issuing the impersonal transaction card with the impersonal card identifier; (d) a device for transmitting the impersonal card identifier between the terminal and the server; and (e) a device for creating an impersonal data file record for registering the impersonal card identifier in the card type server database. . A transaction system for validating an impersonal transaction card in a terminal and validating an impersonal card identifier in a database terminal, comprising: (a) a device for receiving an impersonal transaction card in the terminal; (b) a device for reading an impersonal card identifier printed on the transaction card; (c) a device for transmitting the impersonal card identifier between the terminal and the server; Y (d) a device for locating an impersonal data file record to validate the impersonal card identifier in the card type server database. A transaction system that includes at least one terminal and a database server to execute a card registration transaction in the terminal and register the registration transaction in the server, comprising: (a) a device for receiving in the terminal a type of card not issued; (b) a device for creating and printing on the card an impersonal card identifier; (c) a device for detecting a discrete user characteristic; (d) a device for generating an impersonal user identifier from the user characteristic; Y (e) a device for transmitting the impersonal card identifier and the user identifier between the terminal and the server to create a data file record in the card type server database to record the registration transaction. A transaction system that includes at least one terminal and a database server for executing a card validation transaction in the terminal and registering the validation transaction in the server, comprising: (a) a device for receiving in the terminal the type of card issued; (b) a device for generating an impersonal card identifier for validating the card identifier in the server for transaction audit; (c) a device for detecting a discrete user characteristic; (d) a device for generating an impersonal user identifier from the user characteristic; and (e) a device for entering a transaction value in the terminal for acceptance on the server; and (f) means for transmitting the impersonal card identifier and the user identifier and transaction value, between terminal and server to locate the data file record in the card type server database and enter the value of transaction to register the validation transaction. A transaction system according to any of the preceding claims wherein a network of terminals communicate with a network of servers to form transaction networks to route the impersonal card identifier for each type of card to the database of each server of type of card for registration and validation transaction. 6. A transaction system according to any of the preceding claims wherein each card identifier comprises a discrete registration code that forms an impersonal identifier for a coded transmission between the terminal and the server for registration and correspondence in a database of a card type server. . A transaction system according to any of the preceding claims wherein the user feature comprises a fingerprint image for live browser identification. . A transaction system for executing a registration transaction in a terminal to issue a card to a card user, and registering the registration transaction in a database server, comprising: (a) a device for receiving a non-issued card in the terminal; (b) a device for generating a card registration for printing the card in the terminal for issuing the card; (c) a device for generating an impersonal card identifier for registering the card identifier in a server; (d) a device for capturing a discrete biometric image in the terminal; and (e) a device for generating from said biometric image an impersonal user identifier for registering the user identifier on the server for card use; (f) a device for transmitting the impersonal card identifier and the user identifier between terminal and server for the purpose of creating a data file record in the card-type server database for transaction audit. A transaction system for executing a validation transaction in a terminal for use of the card by a card user, and registering the validation transaction in a database server, comprising: (a) a device for receiving in the terminal a card issued; (b) a device for reading an impersonal card identifier printed on the card to validate the card identifier on the server for card use; (c) a device for capturing a discrete biometric image in the terminal; and (d) a device for generating from the biometric image an impersonal user identifier for validating the user identifier on the server for card use; (e) a device for transmitting the impersonal card identifier and the user identifier between the terminal and the server to locate a data file record in the card type server database for transaction audit. 10. A transaction system according to any of the preceding claims wherein the card registration is permanent and includes a two-dimensional coded symbology printed on the card. A transaction system according to any of the preceding claims wherein the non-issued transaction card is preprinted with an institution code issuing the card to identify the type of card and the issuing institution prior to registration of the card. card.
2. 2. A transaction system according to any of the preceding claims wherein the registration of the card includes a serial number and a date to register in the terminal an impersonal reference on the card. . A transaction system according to any of the preceding claims wherein the card registration includes symbols and discrete characters printed on a card to register in the terminal an entry line on the card. . A transaction system according to claim 13 wherein the card identifier originates in the database of a card type server for encoded transmission from the server to the terminal to issue the entry line for said registration of card. . A transaction system according to any of the preceding claims wherein each coded card identifier creates a discrete data file record in the database of a card type server for registration and locates the same data file record discrete in the server database of card type for validation. . A transaction system according to any of the preceding claims wherein the coded card identifier has a constant order to create the data file record and thus locate the same data file record in the database server for registration and validation. . A transaction system according to claim 5 wherein the card identifier is transmitted before the user identifier for the purpose of forming a reference for a data file record in the database of a card type server. . A transaction system according to any of the preceding claims, wherein the impersonal card identifier and the user identifier are encoded before transmission and decoded after reception. . A transaction system according to any of the preceding claims wherein each card identifier and user identifier for registration form a set of identifiers for data file registration, and each card identifier and user identifier for validation form a set of identifiers for correspondence of data file, in the same database of a server of card type. . A transaction system according to any of claims 1 to 19 incorporating a terminal for a cardholder to insert in the terminal a card issued for the purpose of generating an impersonal card identifier and pressing a finger on a sensor to generate an impersonal user identifier for transmission to the database of a card type server to execute a validation transaction for the use of the card. 21. A transaction terminal adapted for use in the transaction system of any of the preceding claims that includes a database for compiling impersonal identifier data to be applied to a card and transmitted to a card type server, which comprises a keyboard and a display device, a biometric sensor, and a device for printing and reading a card and transmitting impersonal data from the card and the sensor, to the database on the card type server. 22. A point of sale terminal according to claim 21 comprising: (a) a keyboard and display device for use by a manager for the acceptance of transactions with the card, and (b) a biometric sensor and an additional display device for use by a cardholder to sanction card transactions. A transaction terminal according to claim 21 or according to claim 22 wherein the sensor is adapted to capture a live fingerprint image of the user and comprises a guide means for placing a finger on the sensor by aligning the nail cuticle with registration lines on each side of the sensor. 24. A terminal according to any of claims 21 to 23, and further comprising a card path in line with a common input and an output slot, a device for transporting a card between a first stop position and a 10 second stopping position and comprising hooked rollers to grip and transport the card, to place the card to write on the card at the second stop and to place the card to read the card at the first stop, before removing the card 15 of the slit. 25. A terminal according to claim 24 and further comprising printing devices in the second stop position to write a *** record on the card for a transaction in a 20 terminal, and a scanning device in the first stop position to read a card identifier on the card for a terminal transmission. 26. A terminal according to claim 24 or according to claim 25 and comprising 25 further a fixed printhead and a mobile platen to provide a path for printing dot-lines of a thermographic card record on a card in the second stop position. 27. A terminal according to claim 24 or according to claim 25 and further comprising a movable printhead and a fixed platen for providing a path for printing dot-lines of a thermographic card record on a card in the second stop position. 28. A terminal according to claim 24 or according to claim 25 and further comprising a compartment for storing a card material in a fan-shaped folded format with perforated folds for printing a card record in the second stop position, a device for scanning an impersonal card identifier in the first stop position, and a device for dispensing and separating the card material in the exit slot for the issuance of an individual card. 29. A terminal according to any of claims 21 to 25 and also including removable side panels for extending the terminal with additional slots for executing terminal transactions to register and validate cards and tickets made of different materials in sheet format, rolls or folded fan type. . An impersonal card designed and adapted to be employed in a terminal for cardholder transactions, which is carried out in a system according to any of claims 1 to 20 or a terminal according to any of claims 21 to 29 said card comprises a multilayer material that includes a layer of thermographic material covered by a barrier layer to prevent fading of a thermographic printing image formed on said material, said thermographic material being placed within a discrete barrier area for printing there said card registration. . An impersonal card according to claim 30 wherein the material is machine-printed with information on one layer and, separately, the material is printed in a terminal manner with information in another layer. . An impersonal card designed and adapted to be used in a terminal for cardholder transactions, which is carried out in a system according to any of claims 1 to 12 or any of the claims 15 to 20, or a In accordance with any of claims 21 to 29, the card comprises two separable portions, one of which is for use by the cardholder after the issue and the other is for use by the cardholder. the issuing institution after issuance, each portion includes a discrete barrier area for printing there from the same card record. . An impersonal card according to any of claims 30 to 32 wherein the material is constructed in multiple layers for thermal printing in a terminal according to any of claims 21 to 24 for printing a permanent image on the material in the discrete barrier area in the second stop position and for scanning the permanent image in the first stop position for card registration. . An impersonal card according to any of claims 30 to 32 wherein the material in the discrete barrier area is constructed of two layers comprising a substrate layer with temperature-sensitive properties and a barrier layer with resistance properties to the light and adhesion applied on the substrate layer. . An impersonal card according to claim 34 wherein the discrete barrier area can change state by thermo-chemical reaction or by thermochromic reaction for card registration. . An impersonal card according to claim 34 wherein the barrier layer is applied to the substrate layer by machine printing to deposit a protective ink coating for terminal printing of the information on the barrier layer. . An impersonal card according to claim 30 wherein the material is constructed of three layers comprising a substrate layer, a thermal layer with temperature sensitive and adherent properties applied on the substrate layer and a barrier layer applied on the thermal layer for machine printing information on the barrier layer. . An impersonal card according to claim 32 wherein the material is constituted by four or five layers comprising a transparent substrate layer with a barrier layer incorporating a thermal layer that forms a part of a laminate and a substrate layer transparent with a barrier layer that incorporates an adhesive layer that forms the other part of the laminate. An impersonal card according to claim 38 wherein the transparent substrate layer is treated on one side for machine printing the information on said layer, followed by machine printing of the barrier layer and followed by machine coating. the thermal layer to provide a pre-printed transparent substrate layer with barrier and thermal properties. . An impersonal card according to any of claims 30 to 39 wherein the material is produced by a single element for terminal issuance such as card, ticket, voucher, or the like for registration transaction or validation. . An impersonal card according to any of claims 30 to 39 wherein the material is produced in a fan-type format for issuance in the terminal in the form of a card, ticket, voucher, or the like, for registration or validation transaction. . An impersonal card according to any of claims 30 to 39 wherein the material is produced with spaced perforations to provide individual elements comprising two parts or fan-shaped parts for card registration. . An impersonal card according to any of claims 30 to 39 wherein the material is produced with machine-printed information for card description on the front and back face and with information printed on the terminal for card registration on the front face or after the material. . An impersonal card according to any of claims 30 to 39 wherein the material includes opaque barrier areas to define text zones and code zones for printing with two-dimensional information and symbology machine. . An impersonal card according to any of claims 30 to 39 wherein the barrier layer incorporates materials with readable properties with sensors to detect a counterfeit material for registration or validation transaction.