WO2003007233A1 - Carte de credit a codes de securite - Google Patents

Carte de credit a codes de securite Download PDF

Info

Publication number
WO2003007233A1
WO2003007233A1 PCT/IB2002/002597 IB0202597W WO03007233A1 WO 2003007233 A1 WO2003007233 A1 WO 2003007233A1 IB 0202597 W IB0202597 W IB 0202597W WO 03007233 A1 WO03007233 A1 WO 03007233A1
Authority
WO
WIPO (PCT)
Prior art keywords
credit card
activation code
magnetic strip
data
holder
Prior art date
Application number
PCT/IB2002/002597
Other languages
English (en)
Inventor
Alessandro Soranzo
Original Assignee
Alessandro Soranzo
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 Alessandro Soranzo filed Critical Alessandro Soranzo
Publication of WO2003007233A1 publication Critical patent/WO2003007233A1/fr

Links

Classifications

    • 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
    • G07F7/12—Card verification
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G06Q20/127—Shopping or accessing services according to a time-limitation
    • 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
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/0014—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for vending, access and use of specific services not covered anywhere else in G07F17/00
    • 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

Definitions

  • the invention concerns a credit card having a safety system which prevents third persons from improperly using the card.
  • the card according to the invention comprises at least two enabling codes, each one randomly combined with determined periods of time, such as for example some hours, a day, or otherwise.
  • Conventional credit cards have a size substantially of 85 x 54 mm and are about 0.8 mm thick. They comprise a front surface on which the trade mark and name of the bank and/or company which issued it are printed, an anti-forgery hologram and, usually in relief, the name of the owner, the period of validity of the card and an activation code, also called the number of the credit card.
  • each credit card there is a magnetic strip, in which the data of the card is memorized, and a sector reserved for the card-holder's signature, both arranged parallel with the larger side of the card.
  • the magnetic strip is arranged near a larger side of the card, with its longitudinal axis about 10.5 mm from the edge, in order to allow the magnetic readers, also of standardized size throughout the world, to read the data of any credit card.
  • One purpose of the invention is to achieve a credit card which will guarantee greater security and serenity to the holder when said holder has to supply the activation code to make a purchase or a payment, and which will limit the possibility for a person other than the holder to use the credit card or the data on the card, unknown to the holder.
  • the credit card according to the invention comprises at least a second activation code associated with data support means, in which the data of the first and second activation code are stored.
  • the at least two activation codes are impressed in relief on the upper surface of the credit card, while the data support means are arranged on the lower surface of the credit card.
  • the data support means comprise two magnetic strips, each of which is associated with a respective activation code.
  • the two magnetic strips are arranged specular with respect to a median axis lengthwise along the credit card, so that they can both be read by standard readers, according to the side on which the credit card is inserted.
  • the first activation code and the first magnetic strip are arranged on the upper surface, while the second activation code and the second magnetic strip are arranged on the lower surface.
  • the data support means comprise at least an electronic micro-circuit, more commonly called “micro-chip” , which contains the data of the activation codes .
  • the at least two activation codes are associated with determined periods of time, advantageously days, indicated on a calendar available to the credit card holder, so that only said holder is able to determine which activation code is valid and can therefore be used in a particular period of time.
  • a credit card 10 has a standardized size of about 85 x 54 x 0.8 mm and comprises a front surface 10a on which are printed the symbol and name of the bank 11, the symbol and name of the issuing company 12 and an anti-forgery hologram design 13. On said front surface 10a are also impressed, in relief, the personal data 14 of the credit card holder 10 and, also in relief, the activation codes 15, in the case shown here 15a and 15b.
  • the surface 10b (Fig. 2) comprises, in this case, two magnetic strips 22a and 22b, to support the data of the credit card 10, and a sector 21 where the holder of the credit card 10 has to sign so that his signature can then be checked for authenticity if necessary.
  • the credit card 10 is also able to be read by a normal reading device for credit cards, not shown in the drawings, with a slit inside which the credit card 10 is inserted on the shorter side, with one of the two magnetic strips 22a or 22b facing towards a corresponding magnetic reader.
  • the magnetic strips 22a and 22b are arranged specular with respect to the median axis "X" at which the credit card 10 is inserted, so that the reading device can read the data contained in the magnetic strip 22a or that in the magnetic strip 22b.
  • Each one of the two magnetic strips 22a, 22b (Fig. 2) is arranged with the longitudinal axis parallel to the larger side of the credit card 10 and at a distance of about 10.5 mm from the edge.
  • a calendar available to the holder indicates, according to a random and never repetitive choice, the days of the year when one particular activation code 15a or 15b is to be used, in combination with the corresponding magnetic strip 22a or 22b and with the insertion, in the direction "A" or in direction "B" (Fig. 1) of the credit card 10 into the appropriate reading devices.
  • the holder of the credit card 10 will have to communicate to the salesman the date, possibly the place where said holder is, and the matching activation code.
  • the magnetic strips 22a, 22b can be replaced by at least a micro-chip able to contain the data concerning the activation codes.
  • the activation codes 15a and 15b can change from the morning to the afternoon, or with a higher frequency for an even greater security of the credit card 10.

Landscapes

  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Credit Cards Or The Like (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

La présente invention concerne une carte de crédit (10) comprenant au moins un premier code (15a) d'activation imprimé au recto (10a) de cette carte et au moins un organe de support de données (22a) contenant les données de cette carte (10) stockées au verso de cette dernière. Au moins un deuxième code (15b) d'activation est imprimé sur cette carte de crédit (10). Le premier (15a) et le deuxième code (15b) d'activation sont associés à des durées relatives et prédéterminées.
PCT/IB2002/002597 2001-07-10 2002-07-04 Carte de credit a codes de securite WO2003007233A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ITUD2001A000117 2001-07-10
ITUD20010117 ITUD20010117A1 (it) 2001-07-10 2001-07-10 Carta di credito con sistema di sicurezza

Publications (1)

Publication Number Publication Date
WO2003007233A1 true WO2003007233A1 (fr) 2003-01-23

Family

ID=11460611

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IB2002/002597 WO2003007233A1 (fr) 2001-07-10 2002-07-04 Carte de credit a codes de securite

Country Status (2)

Country Link
IT (1) ITUD20010117A1 (fr)
WO (1) WO2003007233A1 (fr)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20090218392A1 (en) * 2008-03-03 2009-09-03 Ted Biskupski Method for Assembling and Activating a Multi-Pack Package of Transaction Cards
US8800758B2 (en) 2006-11-17 2014-08-12 Apple Inc. Gift card carriers
US8875886B2 (en) 2008-08-25 2014-11-04 Apple Inc. Carrier card arrangement with removable envelope

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4745267A (en) * 1983-12-28 1988-05-17 Fairview Partners Fraudulent card intercept system
WO1997019421A1 (fr) * 1995-11-20 1997-05-29 Chapin Stephen R Jr Carte de transaction possedant plusieurs bandes magnetiques
WO1999042961A1 (fr) * 1998-02-20 1999-08-26 Snoek Holding Zoetermeer B.V. Procede de paiement par l'intermediaire d'internet

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4745267A (en) * 1983-12-28 1988-05-17 Fairview Partners Fraudulent card intercept system
WO1997019421A1 (fr) * 1995-11-20 1997-05-29 Chapin Stephen R Jr Carte de transaction possedant plusieurs bandes magnetiques
WO1999042961A1 (fr) * 1998-02-20 1999-08-26 Snoek Holding Zoetermeer B.V. Procede de paiement par l'intermediaire d'internet

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8800758B2 (en) 2006-11-17 2014-08-12 Apple Inc. Gift card carriers
US20090218392A1 (en) * 2008-03-03 2009-09-03 Ted Biskupski Method for Assembling and Activating a Multi-Pack Package of Transaction Cards
US8640949B2 (en) * 2008-03-03 2014-02-04 Apple Inc. Method for assembling and activating a multi-pack package of transaction cards
US8875886B2 (en) 2008-08-25 2014-11-04 Apple Inc. Carrier card arrangement with removable envelope

Also Published As

Publication number Publication date
ITUD20010117A1 (it) 2003-01-10

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