EP0084038A1 - Carte de credit - Google Patents

Carte de credit

Info

Publication number
EP0084038A1
EP0084038A1 EP82902162A EP82902162A EP0084038A1 EP 0084038 A1 EP0084038 A1 EP 0084038A1 EP 82902162 A EP82902162 A EP 82902162A EP 82902162 A EP82902162 A EP 82902162A EP 0084038 A1 EP0084038 A1 EP 0084038A1
Authority
EP
European Patent Office
Prior art keywords
card
value
card according
value card
authorization
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.)
Withdrawn
Application number
EP82902162A
Other languages
German (de)
English (en)
Inventor
Hermann Stockburger
Hans-Georg Winderlich
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.)
Individual
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 EP0084038A1 publication Critical patent/EP0084038A1/fr
Withdrawn legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/08—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means
    • G06K19/10—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means at least one kind of marking being used for authentication, e.g. of credit or identity cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/343—Cards including a counter
    • G06Q20/3433—Cards including a counter the counter having monetary units
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices

Definitions

  • the invention relates to a prepaid card with a card body and a storage medium for storing information to be recorded and a scanning area with an evaluable surface pattern.
  • value cards are used as identification cards, check cards or the like.
  • a value card is known, in which in the card material along a track randomly fluorosessing material or magnetic material or electrically conductive material is provided to identify the value card.
  • the production of the card taking into account the fact that each card can only be used for a registered authorization volume is therefore relatively complex.
  • the object of the invention is to produce a prepaid card which is improved over known prepaid cards and which is particularly simple and inexpensive to produce.
  • a prepaid card of the type described at the outset which according to the invention is characterized in that the scanning area is designed as an element which can be applied to or removed from the actual card body. It is thereby achieved that only one element of the card has to be exchanged for the use of the value card for a new scope of authorization, but the actual value card can be reused.
  • the actual prepaid card itself is preferably formed from plastic or, for example, metal or solid, elastic materials, while the element is formed from a paper or film strip to be applied. Since the stability of the prepaid card is achieved by the reusable plastic card, the prepaid card can be produced easily and inexpensively.
  • Fig. 1 is a plan view of a card body
  • Fig. 2 is a plan view of a prepaid card with a partially applied element.
  • the prepaid card 1 comprises the actual card body 2 and an element 3 which can be connected to it.
  • the card body 2 is a simple card made of a sufficiently stable material and preferably plastic material or a metal foil or a glass plate with a storage medium in the form of a semiconductor chip or a magnetic strip 4.
  • the card body itself does not need to have any measurable structure and in particular no electrically or magnetically appealing particles to form a structure which identifies the card.
  • the plastic material is selected so that it is transparent to the radiation used, preferably infrared radiation.
  • the magnetic strip 4 is designed in a conventional manner.
  • a marking 5, 6 is preferably provided on the card body, which indicates at which point the element 3 should preferably be applied to the card.
  • a clock track 7 can also be provided.
  • the element 3 is designed according to the invention as a simple paper strip, the back of which has an adhesive layer which enables the residue-free detachment from the plastic card body. If the prepaid card is only to be used as identification or as an authorization card with an authorization frame that cannot be changed by individual usage actions, such as a monthly card for using public transport, then a simple paper strip is sufficient as element 3.
  • element 3 and the value card with glued element 3 are each initially worthless and therefore do not have to be kept separately.
  • element 3 which is composed, for example, of lines, lines, background patterns,
  • the procedure is such that the maximum value and the minimum value of the scan result are determined during the scanning along the route to be evaluated and that the quotient of the maximum value and minimum value of the scan result is then formed for the evaluated route and a selected number of these quotients as characteristic data on the Magnetic stripe 4 of the value card 1 is recorded.
  • the value card 1 is recognized as genuine if a predetermined minimum number of the corresponding scanning of the element 3 formed quotient matches the corresponding already recorded characteristic data.
  • the identity is affirmed, the newly determined characteristic data are written into the magnetic strip 4 instead of the previous one.
  • the paper strip forming element 3 can be printed with information that visually represents the authorization resulting from the prepaid card. If, for example, the prepaid card authorizes the holder to use a facility within a first month, he receives a paper strip with the month printed on it that is worthless. After the paper strip has been stuck onto the card body 2, the prepaid card is activated by means of a corresponding station in the manner described above, using the structure of the paper strip, the authorization volume, namely the authorization for the first month, being written in addition to the data identifying the card. With this prepaid card, the holder can exercise the authorization for the first month. After the first month, the prepaid card will be rejected by the evaluation stations because the authorization volume is not sufficient for the second month.
  • the user does not have to throw away the entire card as with conventional cards, but simply pulls the element 3 off the card body and instead glues a new paper strip onto the intended location, on which, for example, the authorization for the second month is printed. For example, against payment of a corresponding fee, the process of activating the card and the authorization for the second month described above is registered, after which the card can also be used for the new period. If the prepaid card is used for an authorization volume, which is reduced by taking individual actions, for example by withdrawing money from an account with a bank card, then the element 3 can be seen in FIG.
  • the area 9 can be formed, for example, from a thermally active paper or a metal paper in which the metallic surface is destroyed by an electrosensitive writing head.
  • the element 3 is first glued onto the simple plastic card body 2 as a paper strip with the track 8 for the structural measurement and the invalidable area 9, which is completely worthless in itself.
  • the authorization volume is then activated and entered.
  • the new value is written in, which results from the fact that the desired partial volume is subtracted from the original volume.
  • the volume reduction in area 9 is shown visibly. If the volume is used up, it is not necessary that the entire prepaid card is thrown away. Rather, the element 3 is simply again pulled off the card body 2 and through new corresponding element is replaced, and then the activation and the enrollment of an authorization volume can be repeated as described above.
  • the element 3 was always designed as a simple paper strip. This can also have a surface pattern or the like in the structural region 8 to be measured. If desired, the element 3 can, however, also be formed from another material, such as a metal or plastic film, and in particular, material 8 in the form of metal particles or the like can be provided in the area 8 of the track to be measured for the structural measurement, which material can be used for magnetic or electrical evaluation makes possible.

Abstract

La carte de crédit (1) présente un moyen d'enregistrement comme par exemple une piste magnétique (4). La carte de crédit (1) est réalisée en plusieurs parties dont l'une constitue le corps (2) de la carte et l'autre porte la piste d'enregistrement (3). La piste d'enregistrement (3) peut être remplacée par une nouvelle piste, ce qui permet de réutiliser le corps (2) de la carte et d'abaisser ainsi de façon sensible le coût d'utilisation de la carte.
EP82902162A 1981-07-24 1982-07-20 Carte de credit Withdrawn EP0084038A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE3129364 1981-07-24
DE3129364A DE3129364C2 (de) 1981-07-24 1981-07-24 Wertkarte

Publications (1)

Publication Number Publication Date
EP0084038A1 true EP0084038A1 (fr) 1983-07-27

Family

ID=6137704

Family Applications (1)

Application Number Title Priority Date Filing Date
EP82902162A Withdrawn EP0084038A1 (fr) 1981-07-24 1982-07-20 Carte de credit

Country Status (8)

Country Link
US (1) US4620727A (fr)
EP (1) EP0084038A1 (fr)
JP (1) JPS58501201A (fr)
AU (1) AU8730982A (fr)
CA (1) CA1199723A (fr)
DE (1) DE3129364C2 (fr)
IT (1) IT1155571B (fr)
WO (1) WO1983000401A1 (fr)

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FR2608809B1 (fr) * 1986-12-19 1991-04-19 Flonic Sa Systeme de fourniture de prestations a revalidation
US4985614A (en) * 1987-01-16 1991-01-15 Rand Mcnally & Company Object verification apparatus and method
US4906988A (en) * 1987-01-27 1990-03-06 Rand Mcnally & Co. Object verification system and method
US4968873A (en) * 1987-09-08 1990-11-06 Juergen Dethloff Smart card issuing and receiving apparatus
DE3804361C1 (fr) * 1988-02-12 1988-09-29 Deutsche Bundespost, Vertreten Durch Den Praesidenten Des Fernmeldetechnischen Zentralamtes, 6100 Darmstadt, De
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DE19958333C2 (de) * 1999-12-03 2002-11-21 Bartels Mikrotechnik Gmbh Speicherkarte mit nichtflüchtiger Anzeige
EP1143376A1 (fr) * 2000-04-07 2001-10-10 Nagels Druck Gesellschaft mbH Carte
US6588658B1 (en) 2000-06-23 2003-07-08 Eric Blank Transaction card with attached auxiliary member
US7032817B2 (en) * 2000-06-23 2006-04-25 Arthur Blank & Company, Inc. Transaction card with shaped edge
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US20030145208A1 (en) * 2002-01-25 2003-07-31 Willins Bruce A. System and method for improving integrity and authenticity of an article utilizing secure overlays
US7588184B2 (en) * 2003-01-03 2009-09-15 American Express Travel Related Services Company, Inc. Metal-containing transaction card and method of making the same
US8033457B2 (en) * 2003-01-03 2011-10-11 American Express Travel Related Services Company, Inc. Metal-containing transaction card and method of making the same
US7823777B2 (en) 2003-01-03 2010-11-02 American Express Travel Related Services Company, Inc. Metal-containing transaction card and method of making same
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Also Published As

Publication number Publication date
IT1155571B (it) 1987-01-28
IT8267938A0 (it) 1982-07-22
DE3129364C2 (de) 1985-09-19
CA1199723A (fr) 1986-01-21
JPS58501201A (ja) 1983-07-21
US4620727A (en) 1986-11-04
DE3129364A1 (de) 1983-02-10
AU8730982A (en) 1983-03-17
WO1983000401A1 (fr) 1983-02-03

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Legal Events

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PUAI Public reference made under article 153(3) epc to a published international application that has entered the european phase

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AK Designated contracting states

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STAA Information on the status of an ep patent application or granted ep patent

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Effective date: 19831006