GB2067467A - A transaction card device having an electrical operated circuit - Google Patents

A transaction card device having an electrical operated circuit Download PDF

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Publication number
GB2067467A
GB2067467A GB8100271A GB8100271A GB2067467A GB 2067467 A GB2067467 A GB 2067467A GB 8100271 A GB8100271 A GB 8100271A GB 8100271 A GB8100271 A GB 8100271A GB 2067467 A GB2067467 A GB 2067467A
Authority
GB
United Kingdom
Prior art keywords
card device
card
value
goods
purchasing
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
GB8100271A
Other versions
GB2067467B (en
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.)
Beaumont D E
Original Assignee
Beaumont D E
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 Beaumont D E filed Critical Beaumont D E
Priority to GB8100271A priority Critical patent/GB2067467B/en
Publication of GB2067467A publication Critical patent/GB2067467A/en
Application granted granted Critical
Publication of GB2067467B publication Critical patent/GB2067467B/en
Expired legal-status Critical Current

Links

Classifications

    • B—PERFORMING OPERATIONS; TRANSPORTING
    • B42—BOOKBINDING; ALBUMS; FILES; SPECIAL PRINTED MATTER
    • B42D—BOOKS; BOOK COVERS; LOOSE LEAVES; PRINTED MATTER CHARACTERISED BY IDENTIFICATION OR SECURITY FEATURES; PRINTED MATTER OF SPECIAL FORMAT OR STYLE NOT OTHERWISE PROVIDED FOR; DEVICES FOR USE THEREWITH AND NOT OTHERWISE PROVIDED FOR; MOVABLE-STRIP WRITING OR READING APPARATUS
    • B42D25/00—Information-bearing cards or sheet-like structures characterised by identification or security features; Manufacture thereof
    • B42D25/20—Information-bearing cards or sheet-like structures characterised by identification or security features; Manufacture thereof characterised by a particular use or purpose
    • 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
    • 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
    • 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
    • G06K19/07701—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction
    • G06K19/07703—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being visual
    • 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • 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

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  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Hardware Design (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

A transaction card device (2) having an electrically operated circuit for enabling the card device to have purchasing monetary values input into it and to have the value of goods purchased deducted from the total purchasing monetary value of the card device, and the card device having at least one display section (4, 6) for displaying as a monetary value at least the current purchasing power of the card device. <IMAGE>

Description

SPECIFICATION Atransaction card device having an electrical operated circuit This invention relates to a transaction card device having an electrically operated circuit. This invention also relates to a transaction system including a plurality of the transaction card devices.
It is an aim of the present invention to provide a transaction card device that enables goods, inciuding services, to be bought without actual cash, cheques or credit cards. It is a further aim of the invention to reduce manpower at the point where the transaction for the goods is made.
Accordingly, this invention provides a transaction card device having an electrically operated circuit for enabling the card device (a) to have purchasing monetary values input into it and (b) to have the value of goods purchased deducted from the total purchasing monetary value of the card device, and the card device having at least one display section for displaying as a monetary value at least the current purchasing power of the card device.
Preferably, the transaction card device is one having two display sections, one display section being for displaying as the monetary value the current purchasing power of the card device, and the other display section being for displaying as a monetary value the cost of the goods last purchased.
Usually, the transaction card device will include codes for different goods, whereby the card can only be used for goods for which it has the corresponding code.
The or each display section is preferably a display panel. Other types of display section may however be employed. The actual display may be by means of light emitting diodes or other devices, for example as used in calculators.
Preferably, the electrical operated circuit is an electronically operated circuit. The circuit may be a printed circuit.
The present invention also provides a transaction system comprising a plurality of the transaction cards, a plurality of purchasing control devices for enabling monetary values to be input into the transaction cards, and a plurality of vending control devices for deducting the value of bought goods from the total purchased monetary value.
The card device may be made from any appropriate materials including plastics materials. It is to be understood that the word "card" as used herein is not intended to restrict the materials from which the transaction card device is made only to cardboard.
An embodiment of the invention will now be described solely by way of example and with refer ence to the accompanying drawings in which: Figure 1 is a perspective view of a transaction card device; Figure 2 shows the card of Figure 1 inserted in a vending device at a vending control point; and Figure 3 shows the card of Figure 1 inserted in a purchasing device at a purchase control point.
Referring to the drawings, a transaction card device 2 is shown onto which purchased units of value, for example pence, can be recorded. The card device 2 can be the means of acquiring within defined limits, goods or services up to the value of that stored on the card device thereby dispensing with actual cash, cheques or credit cards and reducing or eliminating manpoweratthe point where transactions are made.
The card device 2 can be peculiar to one particular service, (e.g. one travel company) or applicable to a number of goods or services (e.g. general travel, petrol stations, night banks and stores) dependent upon the original intentions of the card device holder, each service or goods point being identified by a secret code, e.g. a bar code our a number which is shown in Figure 1 as a bar code 4.
The card device 2 is preferably of approximately the same overall dimensions as a bank cheque card and contains a built in circuit capable, when activated from appropriate external sources, of (i) accepting and recording units of purchasing value purchased; (ii) recording the value of goods acquired at any one time; and (iii) deducting the value of (ii) from the value (i).
The card device 2 contains two display sections in the form of windows 6, 8. The window 6 displays the value of goods just purchased. The window 8 displays the current remaining purchasing value of the card device 2 after the cost of the latest purchases has been deducted. The displays may be either perma nentorfora limited period.
Preferably, the card device 2 will display as a prefix to (ii) above, a day code number for accounting and other audit'check purposes.
The code 4 may be a series of secret numbers andlor bars or other code signs capable of being scanned, for example with a light operating device similar two existing light pens presently in use. The code 4 may: (a) identify the ownership of the card device; (b) validate the card device for use at predetermined vending points; (c) reject the card device when offered to other vending points not predetermined; and (d) when satisfied on the above point (b), allow the activation of the card device's circuit by means of appropriate external sources.
The activating and functioning processes of the card device are carried out at purchasing control points and at vending control points. A purchasing control device 10 which would be located at a purchasing control point, is illustrated in Figure 2. A vending control device 12, which would be located at a vending control point, is illustrated in Figure 3.
Purchasing control points may be situated at various locations common to public usage, for example Post Offices. The purchasing control devices 10 will be provided with an appropriate source of power to activate the card device's internal circuit. Each purchasing control point may be under manual control and on receipt of money the control will translate that value into units, e.g. pence, and record those units onto the card device 2. Subsequent units purchased will be similarly recorded and will be added by means of the card device's circuit onto the exist ing retained units showing on the card device, the total sum being displayed in the window 8.
The purchase control devices 10 will have the abil ityto bring into use special codes which will restrict the usage of the card device 2 to certain service or goods stations as originally requested by, or imposed on, the card device holder. The purchasing control devices 10 may scan the code of the card device 2 and record both the card device number and the value of units purchased, at that time, for accounting purposes.
Vending control points may be situated at points where goods and/or services are bought, for exam ple adjacent to the driver on one-man buses, at ticket barriers at rail stations, and at till/checkout points in stores. Purchased values may be initiated by either the purchaser, e.g. at local travel entry points - bus or barrier; or by the vendor's staff, e.g. at stores or air ravel centres; or automatically where fixed sums are involved, e.g. fixed travel values, or by night banks. The card device 2 may or may not open barriers.
The vending control devices at the vending control points may have the means to scan the code to ensure that the card device is valid for that vending source. If an invalid state occurs, the rejection follows.
The vending control points will contain an appropriate power source activating the internal circuit of the card device 2, both to register the value of the goods/service purchased and to deduct that amount from the previous total of units stored on the card device. Where the value of goods requested is greater than the total of units stored, the card device will be rejected. The vending control device may also record the card device number, the value of goods purchased, and the day code onto an internal statement provision.
As a safeguard against unauthorised use following loss or theft, the card device holder will be aware of that part of the secret numbers or code which identifies ownership of the card device, and any purchases above a predetermined value could require that the person presenting the card device quotes that number to the vendor's staff or, and certainly in the case of night banks, will operate numbers or code buttons and only when these coincide with the secret code will the vending take place.
If it is not convenient to have a permanent display of the latest purchase value of the residual value on the card device, it may be desirable on local travel to provide inspectors with battery operated machines to activate these displays. The inspector machines would preferably have no other functions or power.
Accounting will follow the lines of Giro. All credits, that is units purchased, will be held at a central office. The tabulation of all services provided as the result of the print off from the vending control point may be submitted to the central office and companies credited as appropriate. Where the card device usage is restricted to one company, then that company may or may not carry out its own accounting.
It is to be appreciated that the embodiment of the invention described above has been given by way of example only and that modifications may be effected. Thus, for example, the card device 2 may show monetary values in any unit of currency appropriate to the country in which it is being used.
The circuitryforthe card device 2 may be similarto that presently used in pocket calculators. The parts for the purchasing control devices and the vending control devices need not be complex and they can based on the construction and operation ofthe automatically operated bank cash points that are presently in use. The card devices 2 can be issued gratuitously or at cost as desired. The purchasing control devices and the vending control devices may have keys 14, 16 respectively, the keys 14 enabling the input of purchased monetary values onto the card device 2, and the keys 16 enabling the card device 2 to display the purchase price of the goods last purchased and the remaining total purchasing monetary value. Where standard charges operate, only fixed keys may be required. The card device 2 may be optionally provided with centering slots 18.

Claims (7)

1. Atransaction card device having an electrically operated circuit for enabling the card device (a) to have purchasing monetary values input into it and (b) to have the value of goods purchased deducted from the total purchasing monetary value of the card device, and the card device having at least one display section for displaying as a monetary value at least the current purchasing power of the card device.
2. Atransaction card device according to claim 1 and having two display sections, one display section being for displaying at the monetary value the current purchasing power of the card device, and the other display section being for displaying as a monetary value the cost of the goods last purchased.
3. Atransaction card device according to claim 1 or claim 2 and including codes for different goods, whereby the card can only be used for goods for which it has the corresponding code.
4. Atransaction card according to any one of the preceding claims in which the or each display section is a display panel.
5. Atransaction card according to any one of the preceding claims in which the electrically operated circuit is an electronically operated circuit.
6. Atransaction card substantially as herein described with reference to the accompanying drawings.
7. Atransaction system comprising a plurality of transaction cards as claimed in any one of the preceding claims, a plurality of purchasing control devices for enabling purchased monetary values to be input into the transaction cards, and a plurality of vending control devices for deducting the value of bought goods from the total purchased monetary value.
GB8100271A 1980-01-11 1981-01-06 Transaction card device having an electrical operated circuit Expired GB2067467B (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
GB8100271A GB2067467B (en) 1980-01-11 1981-01-06 Transaction card device having an electrical operated circuit

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
GB8000925 1980-01-11
GB8100271A GB2067467B (en) 1980-01-11 1981-01-06 Transaction card device having an electrical operated circuit

Publications (2)

Publication Number Publication Date
GB2067467A true GB2067467A (en) 1981-07-30
GB2067467B GB2067467B (en) 1983-09-28

Family

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Family Applications (1)

Application Number Title Priority Date Filing Date
GB8100271A Expired GB2067467B (en) 1980-01-11 1981-01-06 Transaction card device having an electrical operated circuit

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Cited By (15)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1987002807A1 (en) * 1985-10-23 1987-05-07 Pentasystem S.P.A. Card or pass in plastic material incorporating an integrated memory circuit
EP0242126A2 (en) * 1986-04-10 1987-10-21 Mitsubishi Denki Kabushiki Kaisha IC card and IC card system
GB2191029A (en) * 1986-05-29 1987-12-02 Almex Systems Ltd Electronic pass
EP0323108A2 (en) * 1987-12-29 1989-07-05 Nimslo Corporation Tamperproof security card
GB2215897A (en) * 1988-03-21 1989-09-27 Noel David Samaan Use of credit cards with a reusable phone card
EP0380434A1 (en) * 1989-01-17 1990-08-01 Societe De Fabrication D'appareils Automatiques Et De Sirops Method and apparatus for managing and controlling an automatic vending machine for products or services
EP0592155A1 (en) * 1992-10-09 1994-04-13 AT&T Corp. Credit card display system
WO1994020929A1 (en) * 1993-03-04 1994-09-15 Landis & Gyr Energy Management (Uk) Ltd. Smart card
NL1003971C2 (en) * 1996-08-16 1997-11-06 Chiptec International Ltd Gift voucher.
EP0829830A3 (en) * 1996-08-14 1999-04-07 Kabushiki Kaisha Toshiba Card medium for determining necessity of preforming identification, system therefor and method of processing said card
FR2769736A1 (en) * 1997-10-10 1999-04-16 Denis Palos Method for securing financial transactions using smart card
WO2001004832A1 (en) * 1999-07-12 2001-01-18 Cardsoft International Pty Limited Bankcard or note with display
FR2798212A1 (en) 1999-09-06 2001-03-09 Gemplus Card Int PORTABLE ELECTRONIC DEVICE WITH DISPLAY AND MEANS FOR LOADING MESSAGES THEREOF
WO2009056352A1 (en) 2007-10-31 2009-05-07 Bundesdruckerei Gmbh Polymer layer composite for a secure and/or valuable document, and method for the production thereof
US20110279242A1 (en) * 2010-05-14 2011-11-17 Mark Krawczewicz Batteryless stored value card with display

Cited By (25)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1987002807A1 (en) * 1985-10-23 1987-05-07 Pentasystem S.P.A. Card or pass in plastic material incorporating an integrated memory circuit
EP0242126A2 (en) * 1986-04-10 1987-10-21 Mitsubishi Denki Kabushiki Kaisha IC card and IC card system
EP0242126A3 (en) * 1986-04-10 1989-01-25 Mitsubishi Denki Kabushiki Kaisha Ic card and ic card system
GB2191029B (en) * 1986-05-29 1990-12-12 Almex Systems Ltd Electronic pass
GB2191029A (en) * 1986-05-29 1987-12-02 Almex Systems Ltd Electronic pass
EP0323108A3 (en) * 1987-12-29 1990-04-11 Nimslo Corporation Tamperproof security card
EP0323108A2 (en) * 1987-12-29 1989-07-05 Nimslo Corporation Tamperproof security card
GB2215897A (en) * 1988-03-21 1989-09-27 Noel David Samaan Use of credit cards with a reusable phone card
GB2215897B (en) * 1988-03-21 1993-01-06 Noel David Samaan Method and apparatus for use in updating the credit value of a phone payment card
EP0380434A1 (en) * 1989-01-17 1990-08-01 Societe De Fabrication D'appareils Automatiques Et De Sirops Method and apparatus for managing and controlling an automatic vending machine for products or services
EP0592155A1 (en) * 1992-10-09 1994-04-13 AT&T Corp. Credit card display system
WO1994020929A1 (en) * 1993-03-04 1994-09-15 Landis & Gyr Energy Management (Uk) Ltd. Smart card
EP0829830A3 (en) * 1996-08-14 1999-04-07 Kabushiki Kaisha Toshiba Card medium for determining necessity of preforming identification, system therefor and method of processing said card
NL1003971C2 (en) * 1996-08-16 1997-11-06 Chiptec International Ltd Gift voucher.
WO1998013794A1 (en) * 1996-08-16 1998-04-02 Chiptec International Ltd. Gift token
FR2769736A1 (en) * 1997-10-10 1999-04-16 Denis Palos Method for securing financial transactions using smart card
WO2001004832A1 (en) * 1999-07-12 2001-01-18 Cardsoft International Pty Limited Bankcard or note with display
FR2798212A1 (en) 1999-09-06 2001-03-09 Gemplus Card Int PORTABLE ELECTRONIC DEVICE WITH DISPLAY AND MEANS FOR LOADING MESSAGES THEREOF
WO2001018747A1 (en) 1999-09-06 2001-03-15 Gemplus Portable electronic device with display unit and means for loading messages for the latter
WO2009056352A1 (en) 2007-10-31 2009-05-07 Bundesdruckerei Gmbh Polymer layer composite for a secure and/or valuable document, and method for the production thereof
CN101980875B (en) * 2007-10-31 2015-06-10 联邦印刷有限公司 Polymer laminate for security and/or valuable documents, method for the production thereof and security and/or valuable document
US10391807B2 (en) 2007-10-31 2019-08-27 Bundesdruckerei Gmbh Polymer laminate for a security and/or valuable document and method for the production thereof
EP2209653B2 (en) † 2007-10-31 2021-03-17 Bundesdruckerei GmbH Polymer layer composite for a secure and/or valuable document, and method for the production thereof
US20110279242A1 (en) * 2010-05-14 2011-11-17 Mark Krawczewicz Batteryless stored value card with display
US9122964B2 (en) * 2010-05-14 2015-09-01 Mark Krawczewicz Batteryless stored value card with display

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Publication number Publication date
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PCNP Patent ceased through non-payment of renewal fee