WO1995022805A1 - Carte de credit munie d'une loupe - Google Patents

Carte de credit munie d'une loupe Download PDF

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Publication number
WO1995022805A1
WO1995022805A1 PCT/US1994/009448 US9409448W WO9522805A1 WO 1995022805 A1 WO1995022805 A1 WO 1995022805A1 US 9409448 W US9409448 W US 9409448W WO 9522805 A1 WO9522805 A1 WO 9522805A1
Authority
WO
WIPO (PCT)
Prior art keywords
financial transaction
transaction card
base
magnifying lens
strip
Prior art date
Application number
PCT/US1994/009448
Other languages
English (en)
Inventor
Alan Finkelstein
Robert H. Boede
Donald A. Dixon
Original Assignee
Alan Finkelstein
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
Priority claimed from US08/197,218 external-priority patent/US5434405A/en
Application filed by Alan Finkelstein filed Critical Alan Finkelstein
Priority to EP94927201A priority Critical patent/EP0698258A1/fr
Priority to AU76719/94A priority patent/AU7671994A/en
Priority to CA002162893A priority patent/CA2162893C/fr
Publication of WO1995022805A1 publication Critical patent/WO1995022805A1/fr

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
    • G06K19/04—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the shape
    • G06K19/041—Constructional details

Definitions

  • the present invention relates to pocket magnifiers and is specifically directed to a credit card having an integral magnifying lens.
  • a book mark such as that shown in U.S. Patent 3,140,883 issued to R.L. Anthony on July 14, 1964 may be integrally attached to a book such as a telephone directory or a dictionary, wherein the end of the book mark is provided with a sealed pocket for receiving a plastic magnifying lens.
  • the magnifying lens may be moved up and down the page as desired to provide magnification of the text in the book. This permits the user to read the text without first putting on his eyeglasses.
  • a pocket magnifier such as that shown in U.S. Patent 3,409,347 issued to R. Vogel on November 5, 1968 includes a pocket pouch adapted to be carried in the breast or hip pocket of the user or in a purse or wallet.
  • the lens is formed of a transparent plastic sheet material having a substantial degree of stiffness and having fresnel lens contours molded into its upper surface.
  • the lens unit may be slidably retracted into and extended out of the pocket.
  • the pocket magnifier may be easily utilized to magnify small print and the like when the user is in a location where it is not feasible or desirable to stop an activity in order to put on reading glasses.
  • the subject invention is directed to a financial transaction card such as a credit card or the like which incorporates an integral magnifying lens.
  • a financial transaction card such as a credit card or the like which incorporates an integral magnifying lens.
  • Use of the card of the subject invention automatically places a magnifying lens at the disposal of the user, whereby he may immediately verify a financial transaction at the point-of-sale without first locating a magnifying glass or taking the time and effort to put on reading glasses.
  • the invention is particularly useful when making credit card transactions during an activity where the user would not normally be wearing his reading glasses. For example, during sports activities or other types of activities where a person does not normally encounter reading material, it may be desirable to make a credit card transaction in order to pay for rental of equipment or user fees or the like.
  • a typical credit card blank is subdivided into a plurality of zones, specifically a data zone and a non-data zone.
  • the data zone is adapted for receiving and carrying machine readable information, preferably in the form of a strip such as a magnetic strip including magnetically encoded information, and embossed alpha numeric lettering for creating an imprint on the credit card transaction form.
  • the non-data zone is generally free of any information required to be machine read, although this zone often includes identifying indicia, logo types and other information relating to the issuing institution.
  • a portion of the non-data zone includes an integral magnifying lens carried in and forming a part of the credit card. It has been found that a substantially rigid, transparent plastic material of a thickness corresponding to the thickness of the credit card base may be incorporated in a window provided in the base.
  • the transparent plastic includes fresnel lens contours on the top surface for defining a magnifying lens.
  • the lens is an elongated rectangle generally placed in parallel with the magnetic strip which is commonly attached to the back of the credit card. In this embodiment, there is no alteration of the data zone as commonly incorporated on credit cards.
  • a second embodiment of the invention incorporates a lens with a larger usable area.
  • this particular embodiment requires alteration of the data zone.
  • one embodiment may be more desirable over the other, depending on the flexibility of the location and format of the data zones on the card.
  • the base is made of a substantially rigid plastic material which is laminated with a thin printed material on both the top surface and the bottom surface thereof, including identifying indicia, logo types and the like on the top, the magnetic strip, a signature strip and various terms and conditions on the bottom.
  • the lens may be placed in the credit card prior to the laminatin ⁇ process, whereby the laminate cover materials may be used to overlap the edge of the lens and help retain it in the credit card.
  • the lens may be sonic welded, adhesively secured or otherwise mounted in a window in the credit case base, with or without utilizing the laminate material to assist in framing and mounting the lens in the credit card.
  • the lens is integral with the credit card base.
  • the credit card base is formed from a transparent material, most preferably an amorphous plastic.
  • the stamped credit card base can be overprinted, laminated with printed material, etc. Thereafter, fresnel lens contours are stamped on the top surface of the blank in a selected area to define the magnifying lens.
  • a hologram may also be added after the lamination.
  • the inventive card comprises a substantially non-foldable rigid base.
  • the rigid base comprises a magnifying lens.
  • the card further comprises a strip, such as a magnetic tape strip, for carrying machine readable information, and optionally other features such as a signature strip or hologram patch.
  • the rigid base can be a laminate formed from a plurality of layers, or can be a single layer.
  • the magnifying lens preferably is formed by stamping fresnel contours directly onto the top surface of the top layer of the rigid laminate, or the top surface of the single layer. The fresnel contours are stamped into a transparent area of the laminate or single layer, and together with the transparent area form the magnifying lens.
  • the rigid laminate comprises a top layer, a bottom layer and a core sandwiched between the top and bottom layers.
  • the core can comprise a single layer, or can comprise two or more layers (i.e., a "split core"). All of the layers are comprised of a transparent material, preferably the same transparent material.
  • the top and bottom layers, and optionally the core are colored, for example by printing, over their entire surfaces with the exception of aligned areas which remains transparent. Fresnel contours are stamped into the top surface of the top layer in the aligned transparent area thereof. The fresnel contours, together with the aligned transparent areas, produce the magnifying lens.
  • the rigid layer comprises a core layer and a bottom layer.
  • the "top" layer in this embodiment is thus analogous to the core layer of the preceding embodiment.
  • the top layer can be colored as described above, or optionally can remain transparent.
  • the bottom layer is colored, for example by printing, on one or both sides.
  • a preferred method comprises the steps of forming a substantially non-foldable rigid base having a transparent area, for example, a laminate formed from a plurality of layers having aligned transparent areas; affixing to the base a strip for carrying machine readable information; and forming fresnel contour lines on a surface of the rigid base which together with the transparent area form a magnifying lens.
  • Another preferred method comprises the steps of providing a substantially non-foldable rigid base having defined therein a window; securing a magnifying l e n s within the window; and affixing to the base a strip for carrying machine readable information.
  • FIG. 1 shows the top side of a credit card incorporating a magnifying lens, in accordance with the subject invention
  • FIG. 2 shows the bottom side of the credit card of FIG. 1;
  • FIG. 3 shows the top side of an alternative embodiment of a credit card incorporated magnifying lens in accordance with the subject invention
  • FIG. 4 shows the bottom side of the credit card of FIG. 3 ;
  • FIG. 5 is a cross sectional view of the credit card and lens combination, taking generally along the line 5-5 of FIG. 1;
  • FIG. 6 shows the top side of a credit card blank having an integral magnifying lens;
  • FIG. 7 is a cross sectional view of the credit card blank of FIG. 6 taken generally along the line 5-5 of FIG. 6;
  • FIG. 8 shows the top side of a credit card having an integral horizontally-extending magnifying lens and a hologram patch;
  • FIG. 9 shows the top side of a credit card having an integral vertically-extending magnifying lens and a hologram patch
  • FIG. 10 is a cross-sectional view of a financial transaction card comprising three layers of material having aligned transparent areas, in which fresnel lines are formed in the top layer thereof to form an integral magnifying lens;
  • FIGS. 11 and 12 are cross-sectional views of financial transaction cards comprising two layers of a material having aligned transparent areas, in which fresnel lines are formed in the top layers thereof to form integral magnifying lenses.
  • a typical financial transaction card such as the credit card 10 is shown in Fig. l and includes, as is common, embossed lettering at 12, which is machine readable for permitting the credit card to be imprinted at a point-of-sale transaction.
  • embossed lettering at 12 is machine readable for permitting the credit card to be imprinted at a point-of-sale transaction.
  • most credit cards now contain a strip 14 for carrying machine readable information, for example a magnetic strip material which includes magnetically encoded information readable by computer terminals utilized in many point-of-sale terminals.
  • a signature strip 16 which is on the back of the card and which typically is adapted for receiving a manually applied signature to be applied by the user of the card.
  • the magnetic strip 14 and embossed lettering 12, along with the signature strip 16, identify a data zone on the card.
  • This data zone is generally controlled by financial institutions in an effort to standardize the cards so that various cards issued by a multiplicity of institutions may be used on standardized terminals the point-of-sale.
  • the placement of the magnetic strip 14 relative to the top edge 18 of the card is standardized, as is the width of the strip 14 in order to permit ready readability of the magnetically coded information by any typical point-of-sale magnetic reader.
  • the font, size and position of the embossed lettering 12 is controlled to assure machine readability of the information imprinted from the card when a point-of-sale transaction is made on a typical credit card imprinter. Only the position of the signature strip 16 can be altered without interfering with the machine readability of the card.
  • a magnifying lens 24 is positioned in a window 25 provided in the base 11 of the card 10 such that it is in noninterfering relationship with the magnetic strip 14 and the embossed lettering 12.
  • the magnifying lens 24 is an elongate, rectangular lens mounted parallel to the magnetic strip 14 in the space between the magnetic strip and the embossed lettering. This space is generally sufficient in size to accommodate the lens 24 since it is required that the embossed lettering 12 be spaced sufficiently from the magnetic strip 14 to assure that the embossing of the card does not in any way alter the functionality of the magnetic strip.
  • the lens member 24 comprises a substantially rigid, transparent plastic element having approximately the same rigidity as the credit card base.
  • the credit card base 11 includes a window 25 having a top edge 30, a bottom edge 31 and side edges 32 and 33.
  • the lens element 24 is adapted to be placed in the window 25 and has outer edges common with the window edges 30-33.
  • the lens may then be sonic welded or adhesively secured to the credit card base 11 in the manner well known to those who are skilled in the art.
  • the lens 24 is of a thickness corresponding to the thickness of the credit card base 11, assuring that the presence of the lens in the credit card does not interfere in any manner with the machine readability of the information contained in the embossed lettering 12 or in the magnetic strip 14.
  • a fresnel-type contour lens has been found to be particularly useful for this type of application.
  • the fresnel contour lines 36 or ribs are typically contained on the top side of the lens, or the front of the credit card as shown in Fig. 1. This permits the credit card to be held with the front side up in typical manner, when utilizing the magnifying lens.
  • An alternative embodiment of the invention is shown in Figs. 3 and 4.
  • the lens element 124 is of a substantially square cross section utilizing a fresnel lens comprising the concentric circle configuration shown at 60, and mounted in a complementary window 125 in the base 11. This particular configuration of the invention is useful when it is possible to alter the shape of the data zone and the placement of the embossed lettering 112.
  • the magnetic encoding strip 14 (Fig. 4) more commonly used as the source for machine readable information
  • the importance of the embossed lettering is becoming diminished. This will permit alteration of the placement of the embossed lettering on the card without interfering with the machine readability of the card at the point of sale.
  • the typical credit card base 11 is a laminated composite member including a solid core material as shown at 48 with a thin plastic laminate 50 on the top surface and a similar thin plastic material 52 laminated on the bottom surface.
  • the term "thin” herein denotes that thicknesses of the plastic laminates 50 and 52 are small relative to the thickness of core 48. If desired, the core 48 and plastic laminates 50 and 52 can have any relative thicknesses.
  • the laminates 50 and 52 are generally printed in a four-color format, permitting attractive logotypes identifying the financial institution and permitting customized color schemes for the card.
  • the laminate materials 50 and 52 also carry the magnetic encoding strip 14, the signature strip 16 and the hologram panel 22. As shown in Fig.
  • the fresnel lens element 124 is located in the window 125 of the credit card and may be secured therein by sonic welding, adhesives or the like along the side edges of the window, as at 60.
  • the laminate material 50 and 52 may overlap the edges 62,64 of the window and the lens 124 may include a peripheral lip or rim 58 for holding the lens in place.
  • the lens may also be of a rectangular cross section and sonically welded or adhesively secured to the base 48 with or without use of the laminates 50 and 52.
  • the lens could be incorporated in the card a variety of ways, including being an integral, unitary member of the card base. Integral, unitary lenses can be formed in a number of ways, such as by molding or casting a transparent material into a window of a rigid base, or by stamping a transparent area of a rigid base.
  • FIG. 6 illustrates one such alternative embodiment of the invention in which the lens is integral with the card base.
  • Credit card base 48 comprises a substantially transparent plastic material.
  • the material is an amorphous plastic, such as polyvinyl chloride (PVC) , polycarbonate, polyester or any other similar material.
  • Lens 24 is formed in the credit card base 48 by, for example, stamping the desired fresnel contour lines 36 onto the top surface thereof.
  • Embossed lettering (not shown) can be formed in the base simultaneously, or can be formed before or after the fresnel contour lines 36 are stamped onto the credit card base 48.
  • Plastic laminates 50 and 52 can optionally also be applied to the top and bottom surfaces of the credit card base 48.
  • the order in which the foregoing stamping, embossing and laminating steps are carried out is a matter of routine design choice.
  • the fresnel contours 36 are stamped last, after all other embossing and laminating has been carried out.
  • an embodiment of a card 10 includes a lens 24 which horizontally extends partially across credit card base 11.
  • Card 10 also includes hologram patch 22.
  • plastic laminates 50 and 52 can be omitted, and strips, patches, etc. can be applied directly to base 48.
  • FIG. 9 Another embodiment, shown in Fig. 9, includes a vertically-oriented lens 24 stamped on one side of credit card base 11, with hologram patch 22 disposed near the opposite side of credit card base 11.
  • Such an embodiment can, of course, also be produced by mounting a separate lens 24 in a credit card base 11 in a manner similar to the embodiment shown in Fig. 1.
  • FIG. 10 A particularly preferred embodiment is shown in Fig. 10.
  • Credit card core 48 and bottom and top plastic laminates 50 and 52 comprise a substantially transparent plastic material, such as the amorphous plastics described above.
  • Credit card core 48 can be comprised of a single layer, as shown, or can comprise multiple layers (a "split core") .
  • Top and bottom plastic laminates 50 and 52 are laminated to core 48, forming top and bottom layers around a core layer. The structure thus forms a rigid and substantially non-foldable base.
  • Lens 24 (not shown) is subsequently formed by stamping the desired fresnel contour lines 36 onto the top surface of top layer 52. Depending on the relative thicknesses of core 48 and top layer 52, fresnel contours 36 may be impressed into core 48 as well as top layer 52.
  • core 48 and bottom and top plastic laminates 50 and 52 comprise the same substantially transparent plastic material.
  • Bottom and top plastic laminates 50 and 52 preferably are colored over substantially all of their outer surfaces (areas 70 and 72) , such as by printing, except for window areas 74 and 76.
  • Core 48 can remain transparent, or can also be colored over substantially all of its lateral surfaces (areas 78 on either side of core 48) , except for window area 80.
  • the edges of core 48 can also optionally be colored.
  • Window areas 74, 76 and 80 are located such that they are aligned when the laminate structure is formed. Together with fresnel contours 36, aligned window areas 74, 76 and 80 thus form magnifying lens 24.
  • the transparent material forming core 48 and top and bottom plastic laminates 50 and 52 should be chosen to display refractive properties such that, together with appropriately designed fresnel contour lines 36, a magnifying lens 24 having the desired magnification is produced. Selection of suitable plastic materials, and design of appropriate fresnel contours, is a matter of routine design choice to those skilled in the art.
  • Card 10 can include embossed lettering (not shown) , as described previously, in addition to a magnetic strip and optionally a signature strip.
  • a hologram patch can also be included.
  • Other desired graphical features such as symbols, logos, pictorial representations, etc., can also be provided if desired.
  • the magnetic strip, signature strip and/or hologram patch can be on either side of the card 10. That is, these features can be disposed on the same side of the card as the fresnel contours 36 are stamped on, or on the opposite side, in any desired combination. Placement of the various strips and patches in any embodiment of the instant invention is a matter of routine design choice.
  • Fresnel contour lines 36 can be stamped into top plastic laminate 52 in any desired orientation, such as horizontally, vertically, etc., and can be of any desired shape, such as rectangular, square, triangular, circular, oval, elliptical, star-shaped, diamond-shaped, etc., similarly to the lenses 24 described previously.
  • FIG. 11 Another preferred embodiment is shown in Fig. 11.
  • credit card core 48 functions as a "top” layer
  • bottom plastic laminate 50 comprises the "bottom” layer.
  • Core 48 and bottom plastic laminate 50 again comprise a substantially transparent plastic material.
  • Bottom Plastic laminate 50 is laminated to core 48, forming top and bottom layers. The two layers together form a rigid, substantially non-foldable laminate structure.
  • Lens 24 (not shown) is subsequently formed in core 48 by stamping the desired fresnel contour lines 36 onto the top surface thereof.
  • core 48 and bottom plastic laminate 50 preferably comprise the same substantially transparent plasticmaterial.
  • Bottomplastic laminate 50 preferably is colored over substantially all of one or both of its sides (areas 70) , such as by printing, except for window area 74. When both sides are so colored, core 48 can remain transparent, thus allowing printed in ormation on the inner surface of bottom plastic laminate 50 (the side to which core 48 is laminated) to be read through the transparent plastic material.
  • core 48 can also be colored over substantially all of the surface opposite the surface to which it is laminated with bottom layer 50 (areas 78 on the outer side of core 48) , except for window area 80. Window areas 74 and 80 are located such that they are aligned when the laminate structure is formed. Together with fresnel contours 36, aligned window areas 74 and 80 form 35 magnifying lens 24.
  • top plastic laminate 52 comprises the "top” layer.
  • Core 48 and top plastic laminate 52 again comprise a substantially transparent plastic material.
  • Top plastic laminate 52 is laminated to core 48, forming top and bottom layers. The two layers together form a rigid, substantially non-foldable laminate structure.
  • Lens 24 (not shown) is subsequently formed in top payer 52 by stamping the desired fresnel contour lines 36 onto the top surface thereof.
  • Core 48 and top plastic laminate 52 preferably comprise the same substantially transparent plastic material.
  • Top plastic laminate 52 preferably is colored over substantially all of one or both of its sides (areas 72), such as by printing, except for window area 76.
  • core 48 can remain transparent, thus allowing printed information on the inner surface of top plastic laminate 52 (the side to which core 48 is laminated) to be read through the transparent plastic material.
  • core 48 can also be colored over substantially all of the surface opposite the surface to which it is laminated with top layer 52 (areas 78 on the outer side of core 48) , except for window area 80.
  • Window areas 76 and 80 are located such that they are aligned when the laminate structure is formed. Together with fresnel contours 36, aligned window areas 76 and 80 form magnifying lens 24.

Abstract

Une carte pour transactions financières adaptée à la lecture d'informations mémorisées extérieurement, comporte une base rigide sensiblement non-pliable rectangulaire, ainsi que des informations lisibles par une machine inscrites sur la base. Cette base rigide est munie d'une loupe.
PCT/US1994/009448 1994-02-16 1994-08-19 Carte de credit munie d'une loupe WO1995022805A1 (fr)

Priority Applications (3)

Application Number Priority Date Filing Date Title
EP94927201A EP0698258A1 (fr) 1994-02-16 1994-08-19 Carte de credit munie d'une loupe
AU76719/94A AU7671994A (en) 1994-02-16 1994-08-19 Credit card with magnifying lens
CA002162893A CA2162893C (fr) 1994-02-16 1994-08-19 Carte de credit munie d'une loupe

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US08/197,218 US5434405A (en) 1992-02-12 1994-02-16 Credit card with a fresnel magnifying lens formed in a section of the transparent core
US08/197,218 1994-02-16
US25080194A 1994-05-27 1994-05-27
US08/250,801 1994-05-27

Publications (1)

Publication Number Publication Date
WO1995022805A1 true WO1995022805A1 (fr) 1995-08-24

Family

ID=26892657

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US1994/009448 WO1995022805A1 (fr) 1994-02-16 1994-08-19 Carte de credit munie d'une loupe

Country Status (4)

Country Link
EP (1) EP0698258A1 (fr)
AU (1) AU7671994A (fr)
CA (1) CA2162893C (fr)
WO (1) WO1995022805A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0960385A1 (fr) * 1996-11-27 1999-12-01 FINKELSTEIN, Alan Carte de credit dotee d'une loupe

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1993016445A1 (fr) * 1992-02-12 1993-08-19 Alan Finkelstein Carte de credit a lentille grossissante

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1993016445A1 (fr) * 1992-02-12 1993-08-19 Alan Finkelstein Carte de credit a lentille grossissante

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0960385A1 (fr) * 1996-11-27 1999-12-01 FINKELSTEIN, Alan Carte de credit dotee d'une loupe
EP0960385A4 (fr) * 1996-11-27 2004-12-08 Alan Finkelstein Carte de credit dotee d'une loupe

Also Published As

Publication number Publication date
CA2162893A1 (fr) 1995-08-24
AU7671994A (en) 1995-09-04
EP0698258A1 (fr) 1996-02-28
CA2162893C (fr) 2002-03-05

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