CA1197882A - Transaction slips pack - Google Patents

Transaction slips pack

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Publication number
CA1197882A
CA1197882A CA000427927A CA427927A CA1197882A CA 1197882 A CA1197882 A CA 1197882A CA 000427927 A CA000427927 A CA 000427927A CA 427927 A CA427927 A CA 427927A CA 1197882 A CA1197882 A CA 1197882A
Authority
CA
Canada
Prior art keywords
slips
pack
carbon
transaction
slip
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Expired
Application number
CA000427927A
Other languages
French (fr)
Inventor
Lewis T. Hardin
Joseph A. Mccormick
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
General Credit Forms Inc
Original Assignee
General Credit Forms Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by General Credit Forms Inc filed Critical General Credit Forms Inc
Priority to CA000427927A priority Critical patent/CA1197882A/en
Application granted granted Critical
Publication of CA1197882A publication Critical patent/CA1197882A/en
Expired legal-status Critical Current

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Abstract

ABSTRACT OF THE DISCLOSURE

An improved assembled pack or formset of credit card transaction slips with duplicating carbon slips having a series of perforations in the form of perforation strips aligned with the customer's credit card account number position on the transaction slips provided for the merchant, customer and credit card issuer. Simultaneous with deleav-ing or removing one of the transaction slips, the duplicat-ing carbons are respectively split into two sections along the respective perforation strip, enabling the customer's account number to be accordingly split into two sections, and substantially preventing surreptitious reconstruction of the customer's account number from the used duplicating carbons.

Description

This invention relates to credit card transaction slips which are arranged in an assembled pack or "formset"
of paper and duplicating carbon components to receive printed information at defined positions relating to a commercial transaction, and in particular to an improved pack of credit card transaction slips for reducing the possibility of wrongfully obtaining the i.dentificati.on of a customer's credit card account number.

BACKGROUND OF THE 1 N V~;N'l' I ON

In credit card transactions, which are in extensive use today, the merchant is provided with an assembled pack or "Eormset" of transaction slips or components for recording information relating to the merchant, the customer's credit card account number, etc. at defined positions on the slips.
The pack may consist for example of a first paper transaction slip to be retained by the merchant, a second paper trans-action slip to be given to the customer, and a third paper transaction slip which is forwarded to the bank or credit card issuer. One or more paper duplicating slips having a duplicating medium, commonly known as duplicating carbon slips, are including in the pack, with at least one duplica-ting carbon slip sandwiched between two transaction slips.
Hereinafter, the terms "duplicating carbon slip" will be understood to refer to a duplicating strip having a duplicating medium and thus is synonymous with a "duplicating medium slip."
Thus, in normal use, a sales clerk, for instance, records the transaction information on the top transaction slip in the pack and may also at the same time imprint information onto all of the transaction slips as enabled .~

7~
by the intermediate duplicating carbon slips. The respec-tive transaction slip5 are then deleaved or disjoined from the pack for presentment to the customer, etc. and the remaining duplicating carbon slips are placed into a container for later disposal.
It has now been found that in some instances, certain individuals have obtained the customer's identifying account number from a used duplicating carbon slip and have wrongfully utilized this information. Present esti~
mates are that about 100 million dollars are lost nationwide by credit card issuers due to fraudulent transactions resulting from the wrongful use of credit card numbers obtained from used duplicating carbon slips.
Several means are currently utilized or have been proposed to reduce the possibility of obtaining the credit card numbers in this manner. As an example, carbon-less packs or formsets are in current use which incorporate a duplicating medium coating on the reverse side of one of the paper transaction slips so that a separa~e duplicat-ing carbon slip is not needed in the pack~ However, carbon-less packs are substantially more expensive than packs with duplicating carbon slip9 . Due to the significantly large number of credit card transactions, in many instances, merchants do not believe the extra expenses involved with carbonless packs are cost justified to reduce the subject problem. Another proposal has been to instruct the sales clerks to tear the used duplicating carbon slips into several pieces before placing them into the container.
In most cases, such instructions are not followed because the sales clerks do not want to get smudges of the duplica-
-2-8;~

ting material on their hands or clothing. While shredding machines are available and economically justifiable in instances where there is only one sales clerk, to provide a shredding machine at a number of sales clerk positions would be cost prohibitive.
Accordingly, it is desired to provide a pack of credit card transaction slips with duplica~ing carbons wherein the possibility of obtaining a customer's account number from the used carbons is elimina~ed or at least substantially reduced.

S UMMARY OF THE l r~ v ~ L I ON

An improved pack or formset of credit card trans-action slips Eor recording information at defined positions relating to a customer's credit card account identification, a merchant's identification, etc. is provided. The improved pack includes at least two paper transaction slips with a duplicating medium slip or duplicating carbon slip between, with the paper transaction slips and the carbon slip being joined together at one end. The duplicating carbon slip includes a series of perforations in the form of a perfora-tion strip extending across the face of the carbon slip and placed on the carbon at a position aligned with the customer identifying position on the paper transaction slips.
During normal use, the customer's account identify-ing number is recorded on the transaction slip5 and will therefore extend over or beyond and intersect the perfora-tion strip on the carbon. Thus, when the sales clerk, ~7~

for instance, moves the joined end of the pack away fromthe opposite free end of the carbon slip, the carbon slip will be split into two sections at the perforation strip~
with each carbon section containing a portion of the charac~
ters identifying the customer~s account number. Placing several of the split carbon sections into a container virtually makes it impossible for one to match the correct carbon sections together to obtain the complete cus~omer's account number. A short stub section or portion without any carbon coating or duplicating medium coating may be provided at the free end of the carbon slip to eliminate any possibility of the user dirtying their hands with carbon smudge.
In a preferred embodiment of the invention, in connection with providing three pap2r transaction slips in an assembled pack joined at one end, a middle transaction slip is sandwiched between two duplicating carbon slips.
Each of the duplicating carbon slips includes a perforation strip located on the respective carbon faces to eventually form two carbon sections, each having a portion of the customer's account number. The middle transaction slip is provided wikh a perforation strip at the joined end of the pack and a relatively stronger perforation at the free end of the pack. A narrow stub section joins the middle transaction slip and the two duplicating carbon slips at the other or free end of the pack.
After the transaction information is recorded on the pack, the pack is deleaved by grasping the joined end of the pack with one hand and the stub section at the free end of the pack with the other hand, and moving ~97~2 the two pack ends away from each other. This operation simultaneously deleaves the middle transaction slip from the joined end of the pack while also splitting the carbons into respective sections at the respective perforation strips so that each carbon section contains a portion of the customer's identification number. The middle trans-action slip may then be deleaved from the stub section~
Thereafter, upon disposal of the respective carbon sec~ions into a container, if there has been mvre than one trans-action, and certainly if there have been more than a fewtransactions, it will be extremely difficult and highly unlikely that one could match up the corresponding carbon sections of one transaction in an attempt to wrongfully obtain a customer's identification number.

BRIEF DESCRIPTION OF THE DRAWINGS

The features of this invention which are believed to be novel are set forth with particularity in the appended claims. The invention~ together with its objects and advantages thereo~, may be best understood by reference to the following description taken in conjunction with the accompanying drawings, in which like reference numerals identify like elements in the several figures and in which:
Figure 1 is a perspective view of an improved pack o credit card transaction slips in accordance with the principles of the present invention;

Figure 2 is a perspective view of the pack of credit card transaction slips shown in Figure 1, with the upper-most paper transaction slip opened away from the pack, and illustrating a carbon provided with perfora-tions in the form of a perforation strip extending through the account number, Figure 3 is a perspective view of the improved pack of Figure 1, and illustrating the back side of another carbon slip colltaining a perforation strip extending through the account number;
Figure 4 i5 a perspective view of the improved pack of Figure 1 illustrating the two carbon slips and a middle transaction slip which have been separated from the pack;
Figure 5 is a ~ragmented sectional view taken along section lines 5-5 of Figure 1.

DETAIL~ DESCRIPTION

For purposes of illustration, the drawings and the present description are directed to a preferred embodi-ment of the invention in which an assembled pack 10 or ~0 formset of credit card transaction slips includes three paper transaction slips 12, 14 and 16, with a respective slip being provided for a merchant, a customer and the credit card issuer. It is to be understood that the pre-ferred embodiment illustrated and to be described herein is provided merely to illustrate and describe the principles of the present invention. Thus, the same principles illus-trated and described herein may be applied to situations in which only two paper transaction slips and only one duplicating carbon slip is utilized. Thus, no limitation in the appended claims is to be inferred from the present 7t31~

illustration and description.
As an example, upper-most paper trans~ction slip 12 may be a merchant copy, middle paper transaction slip 14 may be for the customer, and lower-most paper transaction slip 16 may be for the hank or credit card issuerO Each of the paper transaction slips includes a position 18 upon which the sales clerk may enter a series of charac~ers 20 identifying a customer's account. Normally~ the account information is taken from a credit card issued to the customer, and in most instances is recorded alony with the customer's name in an imprinting operation using the credit card, an imprinter and pack 10.
As shown most clearly in the cross-sectional view of Figure 5, middle transaction slip 14 is sandwiched between a pair of duplicating carbon slips 22, 24. Carbon sli.p 22 permits information placed on transaction slip 12 to be entered simultaneously also onto middle transaction slip 14, and carbon slip 24 permits this same information to simultaneously be placed onto lower-most transaction slip 16. Pack 10 is maintained together at one end 26 hy means of a suitable adhesive 28 joining one end of each adjacent transaction slip and carbon slip to each other at pack end 26.
At pack end 30, only the free ends of middle transaction slip 14 and carbon slips 22, 24 are joined together such as by means of adhesi~e 32 so as ~o form a partial stub 34 at pack end 30~ It is to be understood that the stub portion 34 preferably does not contain any duplicating material such that if placed between the sales clerk's ~ingers, the duplicating material will not smudge the fingers.
With specific reference to Figures 2 and 3, it can be seen that carbons 22, 24 are provided with a respec-tive series of perforations in the form of perforation strips 36, 38 which ~xtend between opposite edges of the carbons. Furthermore, it can be readily seen that perfora-tion strips 36, 38 are located between pack end 26 and pack end 30 so as to extend directly in line with customer position 18 on the transaction slips. Therefore, when the sales clerk places characters 20 identifying a customer's account on the transaction slips, perforations 36, 38 intersect the customerls account number so that a respective portion of the customer's account number is located on either side of the carbon perforation strips. Middle transaction slip 14 includes a series of perforations 40 at pack end 26 and a series of perforations 42 at pack end 30, with perforations 42 somewhat stronger than perfora-tions 40O
Accordingly, when the sales clerk deleaves the pack by holding pack end 26 in one hand and moving that end of the pack away rom stub portion 34 which is held by the sales clerk's other hand, carbon slips 22 and 24 will be split along respective perforations 36, 38, split-ting the customer's account number on either side of carbon slips 22, 24 Middle transaction slip 14 also will split along perforations 40 in the normal operation of moving stub portion 34 away from pack end 26 to deleave the middle transaction slip from the pack, and perforations 42 then may be split to remove transaction slip 14 from the two joined righthand sections of carbon slips 22, 24.
Upon disposal of the ~wo joined righthand sections of carbon slips 22, 24, and thereafter removing transaction slips 12 and 16 along suitable perforations from pack 10 and disposing of the left hand split portions of carbon slips 22, 24, it will be highly improbable and virtually impossible for one to attempt to join together the split carbon portions to form the original correct customer's account number.
If desired, perfora~ions 40 could be made stronger than perforations 42, so that transaction slip 14 will be split along peforations 42 simultaneously with splitting the carbon slips along perforation strips 36, 38. Alterna-tively, transaction slip 14 need not be joined at pack end 30 to the carbon slips, and may be slightly shorter in length than the carbon slips to enable the righthand sections of the carbon slips to be readily removed from the pack by splitting along perforation strips 36~ 38.
The foregoing detailed description has been given for clearness of understanding only, and no unnecessary limitations should be understood therefrom, as modifications will be obvious to those skilled in the art.

Claims (5)

The embodiments of the invention in which an exclusive property or privilege is claimed are defined as follows:
1. In a pack of credit card transaction slips for recording information thereon at defined positions on each transaction slip, including a customer position for receiving characters identifying a customer's account, said pack including at least two of said transaction slips with a duplicating carbon slip or duplicating medium slip therebetween joined at one end to said transaction slips and having an opposite free end, the improvement comprising a series of perforations in the form of a perforation strip placed on said carbon slip at a location intermediate the joined end and the free end and adapted to align with the customer position on the transaction slips, enabling said characters identifying a customer's account, when recorded on said carbon slip, to be split into two carbon sections by disjoining said carbon slip at said perforation strip upon moving said one end away from said free end.
2. A pack of credit card transaction slips accord-ing to claim 1, including a stub portion terminating the free end of said carbon slip, said stub portion being free of any carbon or any duplicating medium.
3. In a pack of credit card transaction slips for recording information thereon at defined locations on each transaction slip, including a customer position for receiving characters identifying a customer's account, said pack including respective upper, lower, and middle transaction slips, with the middle transaction slip sand-wiched between two duplicating carbon slips or two duplica-ting medium slips, all of said transaction slips and carbon slips joined at one end of the pack, and at least the two carbon slips joined at the other end of the pack, the improvement comprising a respective series of perfora-tions in the form of respective perforation strips placed on respective carbon slips at a location intermediate said one end of the pack and said other end of the pack and adapted to align with the customer position on said transaction slips, enabling said characters identifying a customer's account, when recorded on said carbon slips, to be split into two respective carbon sections by disjoin-ing said carbon slips at said perforation strips upon moving said one end of the pack away from the other end of the pack.
4. A pack of credit transaction slips accord-ing to claim 3, including a stub portion connected to said carbon slips at the other end of the pack, said stub portion being free of any carbon or any duplicating medium,
5. A pack of credit card transaction slips accord-ing to claim 4, including a third series of perforations in the form of a third perforation strip placed in the middle transaction slip at said joined one end of the pack, and means for joining the middle transaction slip to said carbon slips and said stub portion at the other end of the pack, enabling the middle transaction slip to be disjoined at said third perforation strip simultaneous-ly with disjoining said carbon slips and splitting said characters into two respective carbon sections upon moving said one end of the pack away from said stub at the other end of the pack.
CA000427927A 1983-05-11 1983-05-11 Transaction slips pack Expired CA1197882A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CA000427927A CA1197882A (en) 1983-05-11 1983-05-11 Transaction slips pack

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CA000427927A CA1197882A (en) 1983-05-11 1983-05-11 Transaction slips pack

Publications (1)

Publication Number Publication Date
CA1197882A true CA1197882A (en) 1985-12-10

Family

ID=4125214

Family Applications (1)

Application Number Title Priority Date Filing Date
CA000427927A Expired CA1197882A (en) 1983-05-11 1983-05-11 Transaction slips pack

Country Status (1)

Country Link
CA (1) CA1197882A (en)

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