CA2058950A1 - Memory holder for credit card or the like - Google Patents

Memory holder for credit card or the like

Info

Publication number
CA2058950A1
CA2058950A1 CA002058950A CA2058950A CA2058950A1 CA 2058950 A1 CA2058950 A1 CA 2058950A1 CA 002058950 A CA002058950 A CA 002058950A CA 2058950 A CA2058950 A CA 2058950A CA 2058950 A1 CA2058950 A1 CA 2058950A1
Authority
CA
Canada
Prior art keywords
memory
card
holder
recorded
calculating
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.)
Abandoned
Application number
CA002058950A
Other languages
French (fr)
Inventor
Jean-Yves Rey
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.)
REY JEAN YVES
Original Assignee
Individual
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 Individual filed Critical Individual
Publication of CA2058950A1 publication Critical patent/CA2058950A1/en
Abandoned legal-status Critical Current

Links

Classifications

    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • AHUMAN NECESSITIES
    • A45HAND OR TRAVELLING ARTICLES
    • A45CPURSES; LUGGAGE; HAND CARRIED BAGS
    • A45C11/00Receptacles for purposes not provided for in groups A45C1/00-A45C9/00
    • A45C11/18Ticket-holders or the like
    • A45C11/182Credit card holders
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F15/00Digital computers in general; Data processing equipment in general
    • G06F15/02Digital computers in general; Data processing equipment in general manually operated with input through keyboard and computation using a built-in program, e.g. pocket calculators
    • G06F15/0241Digital computers in general; Data processing equipment in general manually operated with input through keyboard and computation using a built-in program, e.g. pocket calculators of the IC-card-like type
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/346Cards serving only as information carrier of service
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873Details of the card reader
    • G07F7/088Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction

Landscapes

  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Engineering & Computer Science (AREA)
  • Computer Hardware Design (AREA)
  • Computing Systems (AREA)
  • Credit Cards Or The Like (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Containers And Packaging Bodies Having A Special Means To Remove Contents (AREA)
  • Calculators And Similar Devices (AREA)

Abstract

A holder (10) for a credit card, a bank card, a charge card or the like (C) comprising a compartment for accommodating said card, switching means arranged in said compartment for activation by said card, warning means activated by the switching means and calculating means; these calculating means comprising a memory of which the contents remain in memory even when the calculating means are switched off, arithmetical and/or logical means for carrying out, via a keyboard (34), operations of which the results are recorded in said memory, and display means (33) for displaying the contents of the memory.

Description

~ 5~S~
MEMO~Y HOLDER FOR CREDIT CARD OR THE LIKE

This invention concerns a holder for a credit card, bank card, charge card or the like.

For the user, credit cards, bank cards, charge cards and the like present the serious disadvantage of not comprising a visual indication of the amount and the date of the operations carried out, and of the outstanding balance, so that the user is obliged to keep an independent record of the operations that he carries out.

Most users, even if they keep such records, which is not always the case, often forget to record the operations, subsequently making it difficult for them to determine the exact amount of their expenditures and the balance of their accounL

A proposal has accordingly already been made, for example in US-4 587 409, of a wallet device of which one flap is designed to accommodate calculating me~ms and the second is designed to accommodate a number of credit cards. Such a device is relatively bulky, complex, because designed for several charge cards, but however without enabling its user to contend with the possibility of forgetting to record the operations carried out. In another device of the wallet type, as described in AU-46 568, and consequently also relatively bulky, associated with the flap of the wallet intended to accommodate a credit card are means designed to detect the absence of a card in the compartment intended to accommodate it, and indicating the means designed to generate a signal informing the user of this absence. Hence even such a device fails to solve the problem underlying the present invention. which is that of providing a lightweight, compact device to accommodate and protect a credit card, bank card, charge card or the like, of which the sequence of operations carried out can be recorded, memorized and displayed without any risk of being forgotten by the user.

This problem is solved, in a holder for a credit card, bank card, charge card or the like, comprising a compartment for accommodating said card, switching means arranged in said compartment for activation by said card, and warning me.ms activated by the switching means, by the fact that the holder also comprises calculating means ;; ~`54_~'5Q
equipped with a memory of which the contents remain in memory even when the calculating means are switched off, arithmetical and/or logic means for carrying out, via a keyboard, operations of which the results are recorded in said memory, anddisplay means for displaying the contents of the memory, and by the fact that the said warning means are connected to the calculating means and to the switching means by a circuit such that the warning means are activated when said card, after having been remoYed from said compartment, is re-introduced therein, and are turned off by the input of an operation, via said keyboard, into the memory.

The memory preferably comprises several registers in which the results of the operations carried out are chronologically recorded, and dated by means of a clock and a dater associa~ed with the calculating and memory means, the contents of these registers being callable and displayable via the keyboard.

According to one embodiment of the invention, the memory comprises a first register in which the initial amount of the account and the date of recording of this amount are recorded, a second register in which the balance of the account at a second date, also recorded, is recorded, and a series of registers in which the amounts and dates of the operations carried out between the first date and the second date are chronologically recorded.

The advant,lges offered by the invention can be realized immediately. The user is immediately warned by the warning means, preferably acoustic, when he replaces the card in its holder, that he must enter the amount of the transaction into the memory of the calculating means, so that he does not risk forgetting to carry out this operation.

As a variant, the waming means are activated after removal of the card from its holder and, in such a case, after a certain time interval has elapsed after this removal.

In yet another variant of an embodiment, the warning means are activated either after a certain time interval has elapsed after the removal of the card from its holder, or when the card is re-inserted into its holder.

;~('5~5~

In a preferred embodiment, the warning means are only turned off when an operation is effectively entered into the memory of the calculating means (the amount entered may be zero, for example, if the card has been removed from the holder by mistake).

The switching means consist, very simply, of reed contacts or, as a variant, of a photocell device.

The user can, at any time, display the contents of the memory and thus learn thebalance of his account. In the preferred embodiment according to which the memory comprises several registers, the user can successively call the said registers and display them, so that he thus has a complete record of the operations carried out since the recording of the initial amount, naturally commensurate with the capacity of the memory.

In an advantageous embodiment, the memory can only be accessed after a secret code has been entered.

According to the invention, furthermore, the calculating and memory means are organized to enable the cancellation of one or more operations recorded in memory, for e~ample to liberate this memory after checking the operations carried out upon receipt of a bank statement or the like.

Other characteristics and advantages ot` the invention will appear on a reading of the t'ollowing description of the preferred embodimenls of the invention, which refer to the appended drawing in which:

Figure 1 is a plan view of the front of a holder according to the invention for a first embodiment, Figure 2 is an end view, from the right, of the holder in Figure 1, Figure 3 is a plan view of the back of the holder in Figure 1, Figure 4 is a perspective view of another embodiment, Figure S is a cross-section along 5-5 of Figure 4, 2~S~',So Figure Sa is a partial view similar to that of Figure S, but for another condition of the card, Figure 6 is a cross-section along 6-6 of Figure 4, Figure 7 is a circuit diagram.

One should first refer to Figures 1 to 3, which illustrate a first embodiment of a device according to the invention. In this embodiment, the device 10 of a holder for credit card, bank card, charge card or the like (not shown) is of a generally rectangular shape with rounded corners and dimensions very close to those of such a card, i.e. about 85 x 5~ mm. One of the short edges of the holder exhibits an indentation 11 facilitating the insertion and removal of the card into and from the holder, of which the upper side is formed of a built-in calculator 12. This calculator, as shown in Figure l, comprises a keyboard 14, a data display screen 16, a date display screen 18, and an O~/OFF switch 20. Keys 13 and 15 for addition and subtraction, respectively, as well as keys 17, 19 and 22, and 24, of which the role is indicated below, are also provided on the front of the calculator 12.

According to a preferred embodiment of the invention, the memory of the calculator 12, of which the contents remain in memory even when the calculator is switched off, comprises several registers in which are respectively recorded the initial amount of the account and the recording date, the latest balance of the account and, in chronological order, the amounts and dntes of all the operntions carried out since the recording of the initinl amount. It is obvious that meLms can be provided to replace the initinl arnount, tor e:~ample, by the latest bnlnnce, when the number of operations cnrried out exceeds the cnpLIcity of the memory.

The different registers cnn be cnlled successively and the contents displayed via keys 17, 19, 22 and 24, the display showing the date thanks to a clock and data associated with the cnlculator, and the nmount of an expenditure by pressing one of the keys 17, 19 placed above key 15 '-', or a receipt by pressing one of the keys 22 or 24 placed above key 13 '+'.

; - 2~S~o It should be noted that it is also possible, without leaving the framework of the invention, to provide for the use of the calculator 12 for other conventional functions, by temporarily isolating from the calculating circuits the memory registers and the ~'~ circuits reserved for the recording and handling of the data relative to the operations carried out with the credit card or the like, for example by activating an appropriate function key of the calculator.

The calculating and memory means are also organized to allow the cancellation of one or more operations recorded in memory, for example to liberate the memory after checking the operations calTied out upon receipt of a bank statement or the like.

As shown in Figure 2, the holder 10 comprises an access slot 26, through which the card can be inserted into a compartment designed to accommodate it. A~ranged in this compartment is a switch (not shown) which, in a preferred embodiment, is connected to the calculator, and is activated by the credit card or the like when the card is suitably in place.

When the card is removed from the holder and then re-inserted, the signals transmitted by the switch are analyzed by the calculator, which then activates a buzzer 28 preferably arranged in the wall of the back 30 of the holder 1~. The buzzer 28 remains activated until an operation is carried out by means of the keyboard of the calculator and entered into memory by means of key '-' for an e,Ypenditure or '+' for a receipt.

The calculator then stops the buzzer 28.

Denoted by 32 in Figure 3 is a battery serving to power the calculator 12 and the buzzer 28.

We shall now refer to Figures 4 to 7 illustrating another embodiment. In this embodiment, the holder 10 is similar to the holder of the embodiment described above in reference to Figures I to 3, but with a different arrangement of the components of '5~) the calculator 12, of which the display screen is shown schematically at 33 and the keyboard at 34. In this embodiment, the switching means are provided by an elastic strip 38 and a stud 35 provided on the inner face 36 of a wall 37 carrying the printed circuit o~ the calculator 12~ which lirnits with a parallel wall 40 the housing 39 for accommodating the credit card, bank card, charge card or the like, C. When the card is completely inserted into the compartment 39, ~he condition is the one shown in Figure Sa, in which the card is inserted between stud 35 and strip 38. In this condition, the card C is also positioned opposite a microcontroller 41.

As illustrated in Figure 7, the microcontroller 41, which contains a clock and a dater, is powered by a battery 42 and is connected to an acoustic alarm 43, the simplest being a piezoelectric buzzer, on the one hand, and to the display device 33 on the other, as well as to the switching means 35, 38 and to the matrix keyboard 34, which can be made in the forrn of a diaphragm added above the printed circuit 37.

As a variant, the switching means 35, 38 consist of a photocell device, the operation of the 'mechanical' or 'optical' switching device being the same as that of the device described by reference to Figure l to 3 in terms of the operating functions and procedures of the calculator.

Claims

Holder for credit card, bank card, charge card or the like comprising:
a compartment designed to accommodate the said card, switching means arranged in the said compartment for activation by said card, and warning means activated by the switching means, characterized in that it also comprises calculating means (12, 41) equipped with a memory of which the contents remain in memory even when the calculating means are switched off, arithmetical and/or logic means for carrying out, via a keyboard (14, 13,16, 17, 34) operations of which the results are recorded in said memory, as well as means (16, 18, 33) for displaying the contents of the memory, and in that the said warning means (28, 43) are connected to the calculating means (12, 41) and to the switching means (35, 38) by a circuit such that the warning means are activated when said card (C), after having been removed from said compartment (39) is re-inserted therein, and are turned off by the input of an operation, via said keyboard (14, 34), into the memory.

Holder as claimed in Claim 1, characterized in that the memory comprises severalregisters in which the results of the operations carried out are chronologically recorded and dated thanks to a clock and a dater associated with the calculating and memory means (12, 41) and in that it comprises means for calling and displaying the contents of each of these registers.

Holder as claimed in any one of the foregoing claims, characterized in that the memory comprises a first register in which the initial amount of the account and the recording date of this amount are recorded, a second register in which the balance of the account and a second date are recorded, and a series of registers in which the amounts and dates of the operations carried out between the first date and the second date are chronologically recorded.

Holder as claimed in any one of the foregoing claims, characterized in that the memory can only be accessed after a secret code has been entered.

Holder as claimed in any one of the foregoing claims, characterized in that the switching means (35, 38) are of the mechanical or optical type with photocell.

Holder as claimed in any one of the foregoing claims, characterized in that the calculating and memory means are organized to enable the cancellation of one or more operations recorded in memory.
CA002058950A 1989-06-20 1990-06-12 Memory holder for credit card or the like Abandoned CA2058950A1 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
FR89/08168 1989-06-20
FR8908168A FR2648331B1 (en) 1989-06-20 1989-06-20 MEMENTO CASE FOR CREDIT CARD OR THE LIKE

Publications (1)

Publication Number Publication Date
CA2058950A1 true CA2058950A1 (en) 1990-12-21

Family

ID=9382920

Family Applications (1)

Application Number Title Priority Date Filing Date
CA002058950A Abandoned CA2058950A1 (en) 1989-06-20 1990-06-12 Memory holder for credit card or the like

Country Status (7)

Country Link
EP (1) EP0480945B1 (en)
JP (1) JPH05501625A (en)
AT (1) ATE112464T1 (en)
CA (1) CA2058950A1 (en)
DE (1) DE69013154T2 (en)
FR (1) FR2648331B1 (en)
WO (1) WO1990015551A1 (en)

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
NL1002032C2 (en) * 1996-01-05 1997-07-09 Adviesbureau F G A Weggelaar B Device for protection against loss or loss of card-shaped objects, in particular bank cards and credit cards.
EP1023700A2 (en) * 1996-09-17 2000-08-02 Sherry Brennan Electronic card valet
KR100256944B1 (en) * 1997-07-31 2000-05-15 윤종용 A sound warning circuit for pci hot-plug

Family Cites Families (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4277837A (en) * 1977-12-30 1981-07-07 International Business Machines Corporation Personal portable terminal for financial transactions
US4587409A (en) * 1982-11-30 1986-05-06 Sharp Kabushiki Kaisha Information processing device
AU571992B2 (en) * 1984-08-22 1988-04-28 Huggins, L.G. Security credit card holder
JPS6257062A (en) * 1985-09-05 1987-03-12 Casio Comput Co Ltd Self-management system in credit card
JPH0760424B2 (en) * 1986-03-24 1995-06-28 シャープ株式会社 Electronic memo device
DE8714528U1 (en) * 1987-10-31 1989-03-02 Walter Hebel Gmbh & Co, 5242 Kirchen Storage case for credit cards or similar.

Also Published As

Publication number Publication date
ATE112464T1 (en) 1994-10-15
WO1990015551A1 (en) 1990-12-27
EP0480945B1 (en) 1994-10-05
FR2648331A1 (en) 1990-12-21
EP0480945A1 (en) 1992-04-22
JPH05501625A (en) 1993-03-25
DE69013154T2 (en) 1995-05-18
DE69013154D1 (en) 1994-11-10
FR2648331B1 (en) 1991-12-06

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Legal Events

Date Code Title Description
FZDE Discontinued