GB2105080A - Combined credit and security card - Google Patents

Combined credit and security card Download PDF

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Publication number
GB2105080A
GB2105080A GB08125783A GB8125783A GB2105080A GB 2105080 A GB2105080 A GB 2105080A GB 08125783 A GB08125783 A GB 08125783A GB 8125783 A GB8125783 A GB 8125783A GB 2105080 A GB2105080 A GB 2105080A
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GB
United Kingdom
Prior art keywords
card
circuits
circuit
security
tuned
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.)
Granted
Application number
GB08125783A
Other versions
GB2105080B (en
Inventor
Eugeniusz Czeslaw Ja Jezierski
Francis Joseph Maskrey
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.)
STC PLC
Original Assignee
Standard Telephone and Cables PLC
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 Standard Telephone and Cables PLC filed Critical Standard Telephone and Cables PLC
Priority to GB08125783A priority Critical patent/GB2105080B/en
Publication of GB2105080A publication Critical patent/GB2105080A/en
Application granted granted Critical
Publication of GB2105080B publication Critical patent/GB2105080B/en
Expired legal-status Critical Current

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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
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/0672—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with resonating marks

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  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Credit Cards Or The Like (AREA)

Abstract

A combined credit and security card which incorporates one or more magnetic stripes for carrying coded security data and hidden within the card one or more r.f. tuned circuits capable of being interrogated remotely. The card when interrogated can activate security locks etc. The magnetic stripes can carry coded identification data. Externally the card can be provided with a photograph of the holder. The r.f. circuits can incorporate fusible links such that the card can be automatically cancelled when subjected to an r.f. field exceeding a predetermined strength. <IMAGE>

Description

SPECIFICATION Combined credit and security card This invention relates to a combined credit and security card, such as may be issued by banks or other institutions.
At present most banks issue credit cards in the form of a rectangular plastic card embossed with the holder's name, account number, card expiry date etc. The card also has a prepared writing surface upon which the card holder puts his signature. Such cards are also issued by many commercial organisations.
A more recent development is the cash dispensing card issued by some banks. This resembles a credit card externally but incorporates a strip or strips of magnetisable material carrying coded security information. There cash dispensing cards can be accepted in automatic banking terminals which not only dispense limited amounts of cash but also provide an interface for certain other common baning functions. In some cases a single card is issued to act both as a credit card and a cash dispensing card.
One problem with present day automatic banking terminals is that although they can be provided with a protective shutter mechanism over the keyboard input and the cash dispensing outlet the card reader slot must remain exposed at all times since it is necessary to insert the card to activate the shutter mechanism to expose the keyboard. The card reader slot is therefore vulnerable to vandalism which can render the entire terminal useless.
According to the present invention there is provided a combined credit and security card incorporation one or more magnetic strips for carrying coded information and one or more radio frequency responsive circuits, said strips and circuits being sandwiched between outer layers ofthe card and not visible externally.
In a preferred embodiment of the invention the r.f.
responsive circuits each comprise a tuned circuit incorporating a circuit element the characteristics of which are such that when the circuit is placed in a radio frequency field exceeding a predetermined strength of the frequency to which the circuit is tuned the circuit element is destroyed and the circuit is thereby rendered ineffective.
An embodimentofthe invention will now be described with reference to the accompanying drawing which depicts a combined credit and security card prior to the final sealing ofthe card.
The card comprises a rectangular plastics sheet 1 which, when folded in the middle will enclose r.f.
circuits. One half la of the card has printed on whet will be an outer face one or more strips 2 of magnetic material on which can be recorded, by conventional means, coded data. One or more r.f. tuned circuits 3 are also provided on the inner face. Each tuned circuit consists e.g. of an antenna pattern with a loop.
Depending on the frequency the circuits can be printed in conductive ink on the plastics sheet, stamped out of foil, etched or otherwise deposited on a substrate which is placed on the plastics sheet.
Preferably the layout of the magnetic stripes and the tuned circuits is such as to leave adequate space for mechanical embossing of the finished card. When the circuits and stripes have been fabricated in position on the one half of the card and the other half 1 b is then folded over to close the card. The closed card is then sealed in a conventional manner. Alternatively the card may be formed from a number of separate laminated sheets bonded together. The magnetic stripes can be encoded with data comprising banking information, e.g. account number, security information, signature and/or voice verification reference data, date information etc. The tuned circuits can be arranged to respond to different frequencies providing controiled access functions, to operate time and attendance equipments etc.The outer surfaces of the card can carry institutional identification and/or logo, holder's photograph, holder's signature, bar coding etc.
The inclusion of r.f. responsive circuits in the card allows it to be remotely interrogated. Thus a bank cash dispensing terminal can now have all the mechanism including the card reader behind a protective shutter. The shutter is only opened when the card is presented in proximity to a radio frequency interrogating equipment. The card is then used in the normal manner. Similarly the card can be used to control access to buildings or secure areas, to operate attendance and time recording mechanisms.
Where signature or voice verification is required insertion of the card reader can cause signature or voice reference data to be entered into automated verification equipment. The holder then writes his signature on a verification tablet or speaks a predetermined phrase into a microphone, the equipment using the card entered data as a reference to verify the signature or voice.
1. A combined credit and security card incorporating one or more magnetic strips for carrying coded information and one or more radio frequency responsive circuits, said strips and circuits being sandwiched between outer layers of the card and not visible externally.
2. A card according to claim 1 wherein the r.f.
responsive circuits each comprise a tuned circuit incorporating a circuit element the characteristics of which are such that when the circuit is placed in a radio frequency field exceeding a predetermined strength of the frequency to which the circuit is tuned the circuit element is destroyed and the circuit is thereby rendered ineffective.
3. A card according to claim 1 or 2 wherein the r.f. circuit(s) are printed in conductive ink on one half of a card which is subsequently folded across the middle and sealed so that the circuits are not visible externally.
4. A card according to claim 1 or 2 wherein the r.f. circuit(s) are formed on a separate substrate which is subsequently laminated with and bonded to
**WARNING** end of DESC field may overlap start of CLMS **.

Claims (8)

**WARNING** start of CLMS field may overlap end of DESC **. SPECIFICATION Combined credit and security card This invention relates to a combined credit and security card, such as may be issued by banks or other institutions. At present most banks issue credit cards in the form of a rectangular plastic card embossed with the holder's name, account number, card expiry date etc. The card also has a prepared writing surface upon which the card holder puts his signature. Such cards are also issued by many commercial organisations. A more recent development is the cash dispensing card issued by some banks. This resembles a credit card externally but incorporates a strip or strips of magnetisable material carrying coded security information. There cash dispensing cards can be accepted in automatic banking terminals which not only dispense limited amounts of cash but also provide an interface for certain other common baning functions. In some cases a single card is issued to act both as a credit card and a cash dispensing card. One problem with present day automatic banking terminals is that although they can be provided with a protective shutter mechanism over the keyboard input and the cash dispensing outlet the card reader slot must remain exposed at all times since it is necessary to insert the card to activate the shutter mechanism to expose the keyboard. The card reader slot is therefore vulnerable to vandalism which can render the entire terminal useless. According to the present invention there is provided a combined credit and security card incorporation one or more magnetic strips for carrying coded information and one or more radio frequency responsive circuits, said strips and circuits being sandwiched between outer layers ofthe card and not visible externally. In a preferred embodiment of the invention the r.f. responsive circuits each comprise a tuned circuit incorporating a circuit element the characteristics of which are such that when the circuit is placed in a radio frequency field exceeding a predetermined strength of the frequency to which the circuit is tuned the circuit element is destroyed and the circuit is thereby rendered ineffective. An embodimentofthe invention will now be described with reference to the accompanying drawing which depicts a combined credit and security card prior to the final sealing ofthe card. The card comprises a rectangular plastics sheet 1 which, when folded in the middle will enclose r.f. circuits. One half la of the card has printed on whet will be an outer face one or more strips 2 of magnetic material on which can be recorded, by conventional means, coded data. One or more r.f. tuned circuits 3 are also provided on the inner face. Each tuned circuit consists e.g. of an antenna pattern with a loop. Depending on the frequency the circuits can be printed in conductive ink on the plastics sheet, stamped out of foil, etched or otherwise deposited on a substrate which is placed on the plastics sheet. Preferably the layout of the magnetic stripes and the tuned circuits is such as to leave adequate space for mechanical embossing of the finished card. When the circuits and stripes have been fabricated in position on the one half of the card and the other half 1 b is then folded over to close the card. The closed card is then sealed in a conventional manner. Alternatively the card may be formed from a number of separate laminated sheets bonded together. The magnetic stripes can be encoded with data comprising banking information, e.g. account number, security information, signature and/or voice verification reference data, date information etc. The tuned circuits can be arranged to respond to different frequencies providing controiled access functions, to operate time and attendance equipments etc.The outer surfaces of the card can carry institutional identification and/or logo, holder's photograph, holder's signature, bar coding etc. The inclusion of r.f. responsive circuits in the card allows it to be remotely interrogated. Thus a bank cash dispensing terminal can now have all the mechanism including the card reader behind a protective shutter. The shutter is only opened when the card is presented in proximity to a radio frequency interrogating equipment. The card is then used in the normal manner. Similarly the card can be used to control access to buildings or secure areas, to operate attendance and time recording mechanisms. Where signature or voice verification is required insertion of the card reader can cause signature or voice reference data to be entered into automated verification equipment. The holder then writes his signature on a verification tablet or speaks a predetermined phrase into a microphone, the equipment using the card entered data as a reference to verify the signature or voice. CLAIMS
1. A combined credit and security card incorporating one or more magnetic strips for carrying coded information and one or more radio frequency responsive circuits, said strips and circuits being sandwiched between outer layers of the card and not visible externally.
2. A card according to claim 1 wherein the r.f.
responsive circuits each comprise a tuned circuit incorporating a circuit element the characteristics of which are such that when the circuit is placed in a radio frequency field exceeding a predetermined strength of the frequency to which the circuit is tuned the circuit element is destroyed and the circuit is thereby rendered ineffective.
3. A card according to claim 1 or 2 wherein the r.f. circuit(s) are printed in conductive ink on one half of a card which is subsequently folded across the middle and sealed so that the circuits are not visible externally.
4. A card according to claim 1 or 2 wherein the r.f. circuit(s) are formed on a separate substrate which is subsequently laminated with and bonded to external sheets of material.
5. A card according to any preceding claim wherein the r.f. circuit(s) include discrete components.
6. A card according to claim 2 wherein the r.f.
circuit element comprises a fusible link.
7. A card according to any preceding claim bearing a photograph on one external surface.
8. A combined credit and security card substantially as described with reference to the accompanying drawing.
GB08125783A 1981-08-24 1981-08-24 Combined credit and security card Expired GB2105080B (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
GB08125783A GB2105080B (en) 1981-08-24 1981-08-24 Combined credit and security card

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
GB08125783A GB2105080B (en) 1981-08-24 1981-08-24 Combined credit and security card

Publications (2)

Publication Number Publication Date
GB2105080A true GB2105080A (en) 1983-03-16
GB2105080B GB2105080B (en) 1985-02-20

Family

ID=10524139

Family Applications (1)

Application Number Title Priority Date Filing Date
GB08125783A Expired GB2105080B (en) 1981-08-24 1981-08-24 Combined credit and security card

Country Status (1)

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GB (1) GB2105080B (en)

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4711347A (en) * 1986-02-14 1987-12-08 Drexler Technology Corporation Protective envelope for optical data card
WO1993023826A1 (en) * 1992-05-20 1993-11-25 Gerald Knab Card-shaped information carrier and its use
GB2279477A (en) * 1993-06-28 1995-01-04 Robert John Baldwin Security/access system
EP1585056A1 (en) * 2002-12-27 2005-10-12 Aruze Corp. Card medium with built-in resonance tag, method for producing card medium, and object identifying device

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4711347A (en) * 1986-02-14 1987-12-08 Drexler Technology Corporation Protective envelope for optical data card
WO1993023826A1 (en) * 1992-05-20 1993-11-25 Gerald Knab Card-shaped information carrier and its use
GB2279477A (en) * 1993-06-28 1995-01-04 Robert John Baldwin Security/access system
GB2279477B (en) * 1993-06-28 1997-09-03 Robert John Baldwin Security/access system
EP1585056A1 (en) * 2002-12-27 2005-10-12 Aruze Corp. Card medium with built-in resonance tag, method for producing card medium, and object identifying device
EP1585056A4 (en) * 2002-12-27 2006-04-26 Aruze Corp Card medium with built-in resonance tag, method for producing card medium, and object identifying device

Also Published As

Publication number Publication date
GB2105080B (en) 1985-02-20

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PCNP Patent ceased through non-payment of renewal fee