MXPA06004366A - Computing system and multi-purpose universal identification card. - Google Patents

Abstract

The invention relates to a computing system and to a multi-purpose universal identification card. The user of a universal card can use a single card in order to perform operations that currently require the use of various cards or personal identification means. The universal card can also be used to perform business activities such as those currently carried out with credit cards, debit cards, payroll cards or telephone cards. In addition, said card can be used to perform activities for which the user must identify him/herself with documents such as service record books, driving licences, passports or identification used to vote. The inventive universal card, which is equipped with a chip or magnetic strip, is in communication with a universal computer which performs all of the identification and authorisation functions and which communicates with different computers at the private or governmental entities responsible for said operations. Moreover, said universal cards can be used in standard card readers or to perform operations via the Internet.

Description

Universal Card For Multiple uses Background: Currently, there are mainly cards: From: Credit. Debit. Of Payroll. Uses to make consumptions with previous deposits, or with Secured loans, such as activation of connections in telephones, obtaining cash in ATMs, etc. The above cards, make arrangements to computer systems that perform control, with registration, of a payment with its amount. In the control of the payment, the user of the described cards is specified and registered to whom the payment is made and the payment is also recorded; in the account of the person receiving said payment, or in what is called a "voucher" (voucher), which is deposited in the bank accounts from which the payment is received.; • There are computer systems that authorize checks to make payments. There are also computer systems to make payment orders, on behalf of those who order it. There are also computer systems to register deposits in guarantees such as bonds, mortgages, Etc.

There are no computer systems that do, in one, all the functions or arrangements described above.

In governments as issuers exist, Banknotes or cash Checks: a government to make payments Bonds or government securities. Conlroladoras cards, with identification and indicators of compliance with military service Identifications with authorization to drive various vehicles. Booklets with identifications and with characteristics of the identified, records of entries and exits to the territory of the Issuer, booklets that are known as Passports. Identifications with address to exercise the vote in elections of governors. Authorizations to enter a country such as visas. There are, likewise, systems to make the payment of taxes and others, through a computer. , '. • "2 - * There are no computerized systems so that, by means of encrypted cards, computer systems are used to perform all the identifier functions and authorizations, such as those of the government and private broadcasts described above, where on a card Codified such authorizations are entered Authorizations that may be shown on said card.

Based on the foregoing, a computerized centralized system is requested, so that by using cards encoded for multiple uses, cards similar in appearance to those of Credit, computer systems interGonectadós are operated with a central computerized system, where I performed all the functions. of identification and authorizations such as those of governmental and private or private issuances, previously described in the antecedents and that the coded card is entered in such coded authorizations; Authorizations that may be shown on said card for its multiple uses.

Features: > Description of the System The system is one of Multiple Use Authorization Computation to the User of an Encoded Card; Card Similar in appearance to Credit Cards: The Data Processing or Computation System, which is sought to be patented, is one that allows the use of coded cards, similar to credit cards, to make orderings to obtain multiple use authorizations. to the users of said cards, where they are included all the applications, identifications, authorizations and all the uses mentioned in the antecedents, in particular, those of the governmental emissions, such as: •; '' Substitution to Cash Tickets. Substitution to Government checks to make payments Purchase and sale of Bonds or Government Securities using a coded card to make purchases or sales of these bonds or securities over the Internet. Substitution to Controllers Cards, with identification, indicators of compliance with the military service Substitution to the Identifications with authorization to drive diverse vehicles. Substitution; to the current Identifications to exercise the vote of government officials. Substitution to Documents in the form of booklets or passbooks with authorizations to travel, such as passports. Substitution to Authorizations to enter a country such as visas. Authorizations to make the payment of taxes or any other payment to the government, through a computer. Identification for the right and scope in insurance. Etc. 105 Functions of the computer system described here: Using a coded card, such as credit cards, the computer system can perform any of the following functions. 110 As the function that the bills representing cash do, for that matter, the coded card would be a variable-value ticket. For this function the user of the Card must make a deposit in cash or goods in favor and to the satisfaction of the Card Issuer. 115 The user of the computer system card, here described, can pay for goods and services that are acquired through a transfer of his deposit in guarantee, to a deposit in guarantee or to a bank account of the one that grants the good or the service to said user. All the operation, ordered from a credit card reader; Readers that must be linked to the Central Computer of the Computing system. 120 The user of the computer system card, described here, can request all the functions that are available. do when a monetary transfer is authorized or a guarantee is granted, in a payment obligation, such as with a check, or a promissory note, Etc. Doing the operation in a credit card reader similar to the one set forth in Paragraph 125 above , well using a filling of data placed on a page on the internet from which you will receive the equivalent of a check, I will pay Etc. The authorization of the corresponding monetary transfers, is recorded and made just by providing the number of the card and your NiP, - so that the whole process is automatically linked to the Central Computer, with your receipt eji the card reader or via the Internet or electronic counting for the accounting controls > j fiscals that are needed. "The user of the computer system card, described here, can make all the fimcionés.ó- e are made when the cards are used to obtain banknotes that represent the cash in ATMs or authorization of various payments in the readers of the credit cards with charge to their Security Deposit 135. • • • • • • The user of the computer system card, described here, using a card, similar to credit cards, You can authorize said user to use it as a substitute to any of the following identifications or governmental authorizing issues: 140 Military Cards, Identical Mics to exercise the vote in elections of governors, Scripts such as those of Passports. ' Micas or equivalent to a driver's license. Coded visa from a foreign government. 145 Insurance policies Etc. The card that can operate a system of computation of uses and multiple authorizations, I have named it as: Universal Card.- Hereinafter referred to as The Card or as; Universal Card (both with capital letters). 150 The Administrator of the Computer System or Data Processor, as well as the Issuer of the Codified Card through which the computer and authorizing system of regulated activities is operated and the Multiple Use Authorizer of this described Card is the government of a country or nation, directly or through its - 55 dealers. 160 For the provisions of the preceding paragraph, it is convenient that the respective governments, that of having a governmental institution in charge of setting the conditions for granting the Card; Institution endowed with computers or data recording terminals that your Insider requires for the granting and use of the Card. Also Via Computer Network, which 165 connect those terminal computers with the computer confroladora of any of the Uses of the Card; Controller computer that I am called:, Universal Computer. 170 It is suggested, obligation, penalized and administratively sanctioned, to notify updated domicile to the contractor of the use of the system that is being requested here to be patented. The Universal computer has a coding accessory for magnetic tapes or hard drives, coding blocked to the Internet, to register duplicately all the 175 files of the hard disks of said computer, in order to avoid any type of Virus The Universal Computer, in turn, must be linked in "network," to computers of related governmental institutions with the granting, use and operation of the Card. Also the Universal Computer must be linked in "network" with the 180. Universal computers from other countries in a possible agreement - for the use of the Card - Foreign Univ ersal computers and the aforementioned governmental ones, will be able to link "En Réd" to computers that contain data or reports that the Universal Computers require. '• - 185 All the reading terminals of any type of card, must be in "network", direct or. indirectly, with the Universal Computer. For this imposition the government, as issuer of the Card, must use its hegemony - '.-. The diagram of the flow of the information or of the data 190 of the main network for the operation of a computer system operated by the Card is attached as figure 1.

Universal. '. The User of the Card or Universal Card. 195 The user may be the citizen and the residents of the issuing country. The legal entities or the citizens themselves or the residents of the issuing country, may request to authorize the use of the Card to third citizens or residents. The citizen or resident must comply with the requirements of the corresponding issuing and authorizing government institution 200 for the use of the Card. To make use of The Card as an equivalent to the cash or transfer computer,. guarantees or payments equivalent to checks, promissory notes Etc. the user must make: or a deposit in cash or government securities, collateral, mortgage, etc. to satisfaction of the institution that grants the card.

The Dimensions and Format of the Card or Universal Card. . 215 The dimensions must be identical to those of a credit card: 5.35 Cm. for -the width by 8.55 Cm. long and 1/2 millimeter thick. Material as used in credit cards. 220 In the format For the back. : Figure 3 In Line A, the name of the sending country, in B its magnetic tape or a chip to store all the data required; so both the tape and the chip should be placed in the conventional place, so that the existing readers of cards 225 credit or similar, can perform their function. In the following spaces C, D and E, below the magnetic tape of The Card: In C: The User's photograph, In D his fingerprint digit and in E his integrated fipna, to be able to make ocular checks of some other type of Cardholder. 230 In the part where it says: Fipna, a barcode can be integrated to digitize information, interpreted by means of barcode readers, where required. On the front of the Card: Figure 2 235 In the first row Á the denomination d.e: rta4¿e¿z. ¿£ «¿* < ? N Style Kupstler Script .and my size 36 bold or the size that fit. . . In the following row B, to the center, with red in Times New R man font size 3: 8, or the size that was adapted, the name of the Issuing Country and in the central part C of the Card, a 240 Hologram of the Flag of the issuing country. Hologram that must be integrated to the Card using infalsificabie technology. On the Hologram, of the flag of the Issuer, in D the number assigned to the Card in relief, to be placed in the conventional place as that of the current credit cards and their similar ones of another type; In the following lines E and F the uses authorized by the computer system operated by the Multipurpose Card. 245 '• -'. .. In its last line G a free international telephone for inquiries or complaints. The colors of the funds of the Card will be through an assignment made to the Issuer of the Card. ', 250 Co or an example, in figure 2, in A of the front part is the logo% - a a? ¿ß¿n *? »0Mtz 'Assuming also an Issuer and some possible uses of said Card in Figure 2 of the Card, In B assuming the government of Mexico as its.Emitor, In E-, say Authorized Use and in F: Cash, Passport, Driving, Voting, Etc. 255 Using a card, similar to credit cards, the Card user can be authorized to use it as a substitute for any of the following government IDs or issuances. cash. 260 Military Cards. T-i. -_ "I? -. I "G > "" "", - +? Micas or equivalent to a driver's license. Coded visa from a foreign government. 270 Identification digitized to exercise votes in boxes or on the Internet. Rights for some insurance. Etc. The previous identifications authorizing activities regulated by governments, may be indicated on the front of The Card, as it is in the corresponding figure 1 275, which is attached as an example. The computer system has facilities for antivirus protection, assault and robbery or loss. As well as protection against cloning. * 280 The computer system has emergency equipment in the event of failures in public Electric power or one of its units in operation.

In the case of any unforeseen event that prevents the operation of the entire installation where the computer system is located, there will be a second identical installation; but in a different place with the same links of the regular system. The above makes the computer system, one extremely reliable. 290 295 300 305 31

Claims (1)

1. Claims: 320 '2p T i - I request, because there is no other, that I be granted a patent for a computer system or data processing that allows, through the use of a coded card, similar to credit cards, to operate a computer that is dedicated exclusively to the mentioned system. 325 The Computer dedicated to the computer system will be connected in "Network" to all the corresponding computers, in order to grant the user of said encoded card, governmental or private multiple authorizations, such as: 330 To the use of the cash tickets through the reader terminals of credit cards or the like. As in the pages of the Internet To the pags of Taxes, of goods, of services, of fines, of rights, of obligations to,. future Etc. Vía Internet 335 Al of the Military Cards. Al of the Scripts like those of the Passports. To the Micas or equivalent to a driver's license. That of the identifications to exercise the Vote in elections of governors., • To the rights for some insurance. Etc. 340"" * '"The previous Government Authorizations will be specified in the front of the Codified card, that as I said in the part of the description of the system, to the encoded card the.denomino: «. < • «£ * & ^ ¿U ^ 345 The Dedicated Computer, exclusively, to the computer system described here, will have anti-virus protections and also an access to provide digitalized record support to all the files that are entered into the Dedicated Computer; Accessory blocked or nape connected to the Internet. 350 To the Dedicated Computer, which has been mentioned in the preceding paragraph, here I call it Universal Computer; Computer of the patentable system - which makes operations or data processing to obtain multiple use authorizations of the user of an encoded card, so that they can make the following multiple uses: 355. First Use.-As the uses that its holder makes of Cash or Cash Bills, Tickets that, in this case, would be of a variable value. For the previous use, the requestor for use1 of the computer system described here, must guarantee the issuer of the rtat¿e¿? < 2? ßtrtia & It is your government or one of its concessionaires, with your guarantee deposit. 360 Second Use. - As uses the cards to obtain cash tickets at ATMs. 5 8 »Third Use. - As the uses of authorization of several payments cbn charge to a fund of a credit or of a guarantee; Authorization of payment granted in any reader of 370 existing credit cards. . Also for the Computing System, in this aforementioned claim, make a substitution to the procedures, registers and the authorizing functions that are done in the • following government documents: 375. , Issuance of cash notes Military cards. Identifications to exercise the Vote of officials of the issuing government of the Card. Scripts like those in Passports; With encrypted Visa from a foreign government. 380 Micas or equivalent to a driver's license. Policies for various insurance. Etc. 385 7 -4- 2- I request that I be granted the patent for the computer system or data processing mentioned in claim 1, in said computer system the corresponding authorizations are obtained with the use of a card with the projected logo of: 90 The card of the entire card is described in the "characteristics" part of the logo font to lead the first line of the front of the card that is requested. patent with the system. computation described in the claims here related, is he: Kunstler Script. 95 ^ J ° 3.-I request that the patent be granted to me so that a system of computing or data processing can be used, through the use of a card coded with the dimensions and its identity described in the part corresponding to Characteristics, the The user of the Card, can make use of the claims related here 00 2 4.- I request that I be granted a patent for a computer system or data processing as mentioned in claim 1, where the user of the rt & ? t Acquire a government authorization to be authorized to: 05 Obtaining additional cards with different numbers and NlP (s) and with this the user can activate one of the cards and only one, with his assigned number, using the Card in a first consultation or in a first operation using his corresponding PIN to the number assigned to each card. 10 In the case of a loss or theft of the card or "card", the user of this card may activate one of his other Cards not activated and with this activation he automatically cancels the Card lost or stolen. With the above, the user of the Card is his / her own repository of said Card and does not have to do any dilatory procedures. fifteen 420 5 - That I be granted a patent for a computer system or data processing, 2 6- That I be granted a patent for a computer system or data processing 435 that allows the use of a coded card, similar to credit cards, here called ¿¿? **? * * * 'Where the user is protected from "cloning". For the above, the -user, from any PC, with Internet access could request the address: "Tageta-Universal ^ mbio-de-claves ... (Adding the corresponding teranihantes), address operated from what I have here called Computer 440 Universal In the mentioned address, three data banks appear in the window, one with the issuer, another asking for his card number and the other asking for his effective clav, after filling them with data banks. automatically to a bank and data that asks for the new password, enter it and it will enter it, in a first operation, to the magnetic tape or chip booting the previous one, If someone tries to use a card 445 with the In addition to not accepting the Card, the security system will be activated in "network" to the Universal Computer, in order to immediately locate what is trying to use the illegal card. initiate high revolution recording to the subject and criminal companions. 450 For a computer system operate and authorize, through the use of a coded card, similar to the Credit card, so that it can be a substitute for cash. < g and 455. * t "7- What is a patent granted to me for a computer system or data processing * that uses a coded card, similar to credit cards, card with the same characteristics described in Claim 1, where the user can carry out commercial operations similar to those that can be carried out with cash by means of their notes or coins, and can also obtain the cash in banknotes, all the above 460 from any Tepnínal credit card reader. For this, the user must guarantee the issuer, which is his government or one of its concessionaires, with a deposit in securities to the satisfaction of the issuer.The value of what is requested by the user of the Card, will be deposited automatically by the Card Issuer. , to an account assigned by the owner of the corresponding reader terminal of the card. 470 10 * f 8- That I be granted a patent for a computer system or data processing system 9 that permits the use of a coded card, similar to credit cards, a system as described in Claim 1, for that the user of the < -ye *? > ? 75 < ¿& #rf ** "fo *» ¿'you can obtain, from any PC with Internet access, information of the Interest that the Card Issuer is paying you for your deposits or guarantees in national or foreign currencies, in the same currency deposited For the above, the issuer of the arta * ¿¿tstAaáií? would place on the Internet a page called: "Tarjeta-Universal-consult-de-íntereses" (adding the strict copespondientes), On the page appear 480 three data banks, one to be filled with the name of the Issuer, another with the number of the Card and the other with the NIP, to obtain all the detailed information requested in this regard. ^ 9- grant a patent for a computer system or data processing 85 -t that allows through the use of a coded card, similar to credit cards, here called & ¿?? Vt < ia £ obtain reports on each operation carried out at the traditional cashier's ticket delivery terminals or automatic e-mail, as well as information about the accumulated interest and their unpaid balances that are being obtained instantaneously from their deposit values; securities that are in guarantee 90 for the operation of the rtattsa? »J¿t7t4ft¿ / ßy 10- That I be granted a patent for "a computer system or data processing that allows, through the use of an encrypted card, similar to credit cards, to make authorizations for the automatic payment of the tax corresponding to the consumption, 95 using for the payment of said consumption, the one denominated here rta a &c * ¿vat ¿¿¿? c. - 11- That "I get a patent for a system of computation or data processing, that allows by using a coded card similar to credit cards, where a provider of the user who delivers the good or service requested by the user here 0 .- called rta a? * ¿c * t¿t * > tia6 so that the value of the acquired will. abone . automatically to a guarantee account as well as a user of the rt ^ "^ provider may have either a provider's baiicaria account, depending on the provider's credit card reading schedule. The payments in foreign currencies of a foreign supplier, are charged to the user in the currency of the Issuer of Card 5 making the respondent to the day of said payment. - 12- That I be granted a patent for a computer system or data processing 0 that allows through the use of a coded card, similar. Credit cards, here called rta a? » that the user can receive an alert via e-mail in advance, of the next lack of guarantee funds or in the terminal of consumption, so that he does not incur in overdrafts as in payments with checks without sufficient funds, so that the user does not receive sanction Your Card simply does not operate the authorization to use it as cash. 520 ^^ 13- That I be granted a patent to have a computer system or data processing that uses a coded card, similar to credit cards, here called already ±? > & Jt £ t¿t.tv ?. so that the user can fill out forms published on the Internet, which allow authorizing transactions of obligation of a payment to subscribe or guarantee the payment or immediate payments or in installments of the payment obligation, according to the 525 conditions of said form. For the computer system to operate or grant governmental authorizations, by means of an encoded card, similar to credit cards, here called * < * pl 0¿ - c nstxrttíkiC. 530 j 'j / 14- That I be granted a patent so that my computer system or data processing that pepnita through the use of an encoded card, similar to credit cards, here called rta? Fa £ »6 & * £ t ** t¿a ¿so that its user can acquire, a 535 authorization or government document identifier similar to a Military Record; authorization that in addition to coding in the corresponding magnetic tape, would be printed in the country which mentions the uses of the Card printed in This according to figure 2/3, that as an example that in this request is attached in the part of the characteristics of the system of computation for multiple uses .. The forms or damages must be completed in the application for 540 this use of the Card, in the corresponding terminals or by means of a form published on the Internet. . . .. i -. '' •, '' 15.-That I be granted a patent for a computer system or data processing that uses a coded card, similar to credit cards, here 545 denoipinada rt ó? T c ñvtáaí so that its user can acquire an authorization or government document similar to a Passport; authorization that will be codified and mentioned in the Card, according to figure that is attached in the characteristics part of the Card. The forms or data must be completed in the application for use of the Card, in the corresponding terminals or by means of a form published on the Internet. 550 16.-That I be granted a patent so that a computer system or data processing that pepnita through the use of an encoded card, similar to credit cards, here-called rta ??) £ ». c & wvtjaet so that the user can acquire my authorization. 555 similar to that of a license to drive a vehicle; Authorization that will be coded and printed on The Card. The forms or data must be completed in the application for the use of the Card, in the corresponding terminals or through a form published on the internet. - - 5 | 0 17-That I be granted a patent for a computer system or data processing that pepnita through the use of an encoded card. Similar to credit cards, here called rta ± f? * ¿^ »**» / so that the user can acquire a government authorization similar to the identification to, exercise the vote, in boxes or on ballots to be filled and counted through the Internet. Authorization that will be encoded in 570! Pl printed on The Card. The forms or data must be completed in the application for use of the Card, in the corresponding terms or by means of a form published on the Internet. . ' 575 18- That I be granted a patent for a computer system or data processing that allows me to use a coded card, similar to credit cards, here called rtag¿t > É * £ ¿f * ¿t * > táa? so that the user can acquire a foreign government authorization similar to that of a foreign Visa. For the above in agreement with the grantor of the Visa. Authorization that will be encoded in The Card 580 ^ / 1 - That I be granted a patent for a computer system or data processing • rt \ allowing through the use of a coded card, similar to credit cards, here called ¿Fotvatáaif so that the user can acquire an authorization 585 government for payments of: fines, various rights, acquisitions of goods and services of a government, through the filling of a corresponding form of this or that government, where it authorizes to be filled by the Internet to the users of the Card. 2L 20-Qqe granted me a patent for the computer systems, of multiple uses, as the here d scrito, have identical systems in a remote place, to operate in an unexpected 590 instantaneously, with links in "network" also identical to the system in regular operation. 595 500 605 610 6. fifteen