GB2492952A - Bank card with two chips for debit and credit transactions - Google Patents

Bank card with two chips for debit and credit transactions Download PDF

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Publication number
GB2492952A
GB2492952A GB1111979.9A GB201111979A GB2492952A GB 2492952 A GB2492952 A GB 2492952A GB 201111979 A GB201111979 A GB 201111979A GB 2492952 A GB2492952 A GB 2492952A
Authority
GB
United Kingdom
Prior art keywords
card
debit
credit
chips
text
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Withdrawn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
GB1111979.9A
Other versions
GB201111979D0 (en
Inventor
Steven Teall
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
Priority to GB1111979.9A priority Critical patent/GB2492952A/en
Publication of GB201111979D0 publication Critical patent/GB201111979D0/en
Publication of GB2492952A publication Critical patent/GB2492952A/en
Withdrawn legal-status Critical Current

Links

Classifications

    • 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
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • G06K19/06187—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 with magnetically detectable marking
    • G06K19/06196—Constructional details
    • 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
    • G06K19/07—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 integrated circuit chips
    • G06K19/072—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 integrated circuit chips the record carrier comprising a plurality of integrated circuit chips
    • 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
    • G06K19/07—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 integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/0772—Physical layout of the record carrier
    • G06K19/07733—Physical layout of the record carrier the record carrier containing at least one further contact interface not conform ISO-7816
    • 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
    • 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
    • G06Q20/347—Passive 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
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3572—Multiple accounts on card
    • 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
    • G07F7/08—Mechanisms 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
    • G07F7/0806—Details of the card
    • 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
    • G07F7/08—Mechanisms 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
    • G07F7/086—Mechanisms 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 passive credit-cards adapted therefor, e.g. constructive particularities to avoid counterfeiting, e.g. by inclusion of a physical or chemical security-layer
    • 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
    • G07F7/08—Mechanisms 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
    • G07F7/0866—Mechanisms 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

Landscapes

  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Theoretical Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Computer Hardware Design (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Accounting & Taxation (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Credit Cards Or The Like (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A bank card comprises two chips 14 situated at either end to use s a credit card at one end and a debit card at the other. Each chip 14 may be in the conventional location and the card may be rotated so that both chips can be used in existing credit or debit card reader technologies. The reverse of the card may have two magnetic strips (21, fig 4) and a conventional signature strip (22, fig 4). The chip 14 may be an integrated circuit (IC). The card may add flexibility of payment methods and allow credit and debit transactions on the same card.

Description

lix Patent $pecificatiofl DC$U Title
DUO CARD
This invention relates to a Dual-PUrPOSe use Debit/Credit card.
When using a traditional credit or debit card you currently have to use two separate conventional cards.
To overcome using two cards, if you had a card which had two chips in the same position (one at either end), when rotating the card in either clockwise or anti clockwiSe direction, one being for debit transactions and the other for credit card transactions.
The design of the duo card utilises existing card reading technology with each chip in the exact location currently used, this is also present when the card is rotated to use either end of card.
if the DUO CARD were created it would negate the need to carry additional cards, adding flexibility of payment method, one for debit and one for credit transactions.
Also adding extra security with only one number to call if lost or stolen.
The long-term production costs of the card would be reduced, as fewer cards would need to be produced as the card has dual function facility.
An example of the invention will now be described by referring tO the accompanying drawings in which: * Figure 1 shows the front of the card with both chips and layout of how the DUO CARD will look.
* Figure 2 shows the reverse of the card jndjcating the two magnetic strips.
* Figure 3 shows an outline drawing of figure 1 jndicating location of the layout of information required of use.
* Figure 4 shows an outline drawing of figure 2 indicating magnetic strips and signature strip.
The mock-up of the DUO CARD in figure one indicates the information and layout specification requi red to create a new duo purpose debit/credit card, there are two numbers listed for each of the sides of the cards (mirroring each end of the card), listed below is numbered label sequence, Figure 1.
1. integrated circuit card (ICC) 2. card holder account number (embossed) 3. valid from date 4. Name of account holder 5. Expiry date 6. Card type identifier (credit or debit) 7. Sort code 8. Credit card or debit card company logo 9. Bank or Building society logo Figure 2 10. Magnetic strip ii. Directional swipe indicator 12. credit card or debit card indicator 13. signature strip Figure 3 14. integrated circuit card (ICC) 15. Card holder account number 16. valid to and from date 17. Name of account holder 18. Sort code 19. Credit card or Debit card company logo 20. Bank or Building society logo Figure 4 21. Magnetic strip 22. Signature strip I * 3 Claim

Claims (1)

  1. <claim-text>1. A credit card with two chips situated at either end to use as a credit card at one end and debit card at the other.</claim-text> <claim-text>2. A credit card according to claim 1 in which the card can be rotated in either direction to use both chips in current credit/debit card reader technology.</claim-text> <claim-text>3. A credit card according to claim 2 in which the reverse of the card has two magnetic strips.</claim-text> <claim-text>4. A credit card according to claim 3 in which the reverse of the card has a conventional signature strip. * ** ** S fl * r. * * * *.* * *5 * ** * .</claim-text>
GB1111979.9A 2011-07-13 2011-07-13 Bank card with two chips for debit and credit transactions Withdrawn GB2492952A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
GB1111979.9A GB2492952A (en) 2011-07-13 2011-07-13 Bank card with two chips for debit and credit transactions

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
GB1111979.9A GB2492952A (en) 2011-07-13 2011-07-13 Bank card with two chips for debit and credit transactions

Publications (2)

Publication Number Publication Date
GB201111979D0 GB201111979D0 (en) 2011-08-31
GB2492952A true GB2492952A (en) 2013-01-23

Family

ID=44586478

Family Applications (1)

Application Number Title Priority Date Filing Date
GB1111979.9A Withdrawn GB2492952A (en) 2011-07-13 2011-07-13 Bank card with two chips for debit and credit transactions

Country Status (1)

Country Link
GB (1) GB2492952A (en)

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2627880A1 (en) * 1988-02-26 1989-09-01 Sgs Thomson Microelectronics Multi-function card which can be inserted in opposite senses - uses multiple integrated circuits in single card to implement different functions, selected by direction of card insertion
EP0387366A1 (en) * 1987-10-30 1990-09-19 DEUTSCHE BUNDESPOST, vertreten durch den Präsidenten des Fernmeldetechnischen Zentralamtes Credit card incorporating integrated circuits
WO1998014916A2 (en) * 1996-10-01 1998-04-09 Michael Coveley Universal credit card
WO1999028863A1 (en) * 1997-11-26 1999-06-10 Deutsche Telekom Ag Multi-functional chip card or magnetic card
ES2153324A1 (en) * 1999-06-03 2001-02-16 Carregui Francisco Alagarda Double-chip card
US20030141373A1 (en) * 2000-09-01 2003-07-31 Ellen Lasch Transaction card with dual IC chips
CN201047950Y (en) * 2006-12-30 2008-04-16 上海序参量科技发展有限公司 Compound bank card

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0387366A1 (en) * 1987-10-30 1990-09-19 DEUTSCHE BUNDESPOST, vertreten durch den Präsidenten des Fernmeldetechnischen Zentralamtes Credit card incorporating integrated circuits
FR2627880A1 (en) * 1988-02-26 1989-09-01 Sgs Thomson Microelectronics Multi-function card which can be inserted in opposite senses - uses multiple integrated circuits in single card to implement different functions, selected by direction of card insertion
WO1998014916A2 (en) * 1996-10-01 1998-04-09 Michael Coveley Universal credit card
WO1999028863A1 (en) * 1997-11-26 1999-06-10 Deutsche Telekom Ag Multi-functional chip card or magnetic card
ES2153324A1 (en) * 1999-06-03 2001-02-16 Carregui Francisco Alagarda Double-chip card
US20030141373A1 (en) * 2000-09-01 2003-07-31 Ellen Lasch Transaction card with dual IC chips
CN201047950Y (en) * 2006-12-30 2008-04-16 上海序参量科技发展有限公司 Compound bank card

Also Published As

Publication number Publication date
GB201111979D0 (en) 2011-08-31

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WAP Application withdrawn, taken to be withdrawn or refused ** after publication under section 16(1)