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WO1997019421A1 - Carte de transaction possedant plusieurs bandes magnetiques - Google Patents

Carte de transaction possedant plusieurs bandes magnetiques Download PDF

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Publication number
WO1997019421A1
WO1997019421A1 PCT/US1996/018612 US9618612W WO9719421A1 WO 1997019421 A1 WO1997019421 A1 WO 1997019421A1 US 9618612 W US9618612 W US 9618612W WO 9719421 A1 WO9719421 A1 WO 9719421A1
Authority
WO
WIPO (PCT)
Prior art keywords
transaction card
indicia
magnetic stripe
indivisible
card
Prior art date
Application number
PCT/US1996/018612
Other languages
English (en)
Inventor
Stephen R. Chapin, Jr.
Original Assignee
Chapin Stephen R Jr
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 US08/560,585 external-priority patent/US5883377A/en
Application filed by Chapin Stephen R Jr filed Critical Chapin Stephen R Jr
Priority to AU10206/97A priority Critical patent/AU1020697A/en
Publication of WO1997019421A1 publication Critical patent/WO1997019421A1/fr

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/06187—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with magnetically detectable marking
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/06187—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with magnetically detectable marking
    • G06K19/06196—Constructional details
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06K19/10—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 at least one kind of marking being used for authentication, e.g. of credit or identity cards
    • G06K19/12—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 at least one kind of marking being used for authentication, e.g. of credit or identity cards the marking being sensed by magnetic means

Definitions

  • the present invention relates to multiple magnetic stripe transaction cards and systems for the use thereof. More particularly, the present invention relates to mag ⁇ netic stripe transaction cards usable with currently installed conventional reading and processing systems.
  • Examples of such cards are conventional credit cards, ATM cards and frequent flyer cards.
  • transactions are charged against one set of raised account numbers.
  • single cards do not have multiple account capabil ⁇ ity so as to be separable into different accounts or categories at points of sale. More- over, as transaction cards multiply, so do difficulties such as the physical inconven ⁇ ience of carrying the cards, the difficulties in consolidating rebates from multiple accounts, and the inconveniences of receiving more than one bill and writing more than one check.
  • a transaction card of standard dimensions comprises a substrate having one side with first and second areas.
  • a first read-only coded magnetic stripe is disposed in the first area and a second read-only coded magnetic stripe is disposed in the second area.
  • the first and second stripes may encode different data in accordance with standard data encryption protocols, readable by conventional retail, transaction card reading systems.
  • the other side in ⁇ cludes printed indicia identifying a customer and numerical indicia identifying that customer's account number, and perhaps other account information (e.g., expiration date) as is standard in the credit card industry.
  • the invention is directed to a system including transaction cards readable by standard transaction card readers, the standard retail transaction card readers themselves and central information pro ⁇ cessors connected to the readers.
  • Each transaction card includes a substrate having first and second areas with different visual and/or tactile indicia.
  • a first read-only data strip is disposed in the first area and a second read-only data strip is disposed in the second area.
  • the first and second data stripes encode different data (or the same data) in accordance with standard data encryption protocols, readable by the standard transaction card readers.
  • the standard card readers are connected to a central pro ⁇ cessor which includes at least one invoice-generating processor.
  • the invoice-generat ⁇ ing processor has a dual output for each transaction card with the dual output having first output data related to the data encoded on the first magnetic stripe and second output data relating to data encoded on the second magnetic stripe.
  • Figure 1 is a rear, planar view of a first embodiment of a transaction card configured in accordance with the principles of the present invention
  • Figure 2 is an end view of the transaction card of Figure 1
  • Figure 3 is a front view of the transaction card of Figures 1 and 2;
  • Figure 4 is a rear view of the transaction card in accordance with the first embodiment of the present invention of Figures 1-3, but shown inverted;
  • Figure 5 is an end view of the transaction card as shown in Figure 4;
  • Figure 6 is a front view of the transaction card of Figures 4 and 5 shown inverted from the Figure 3 orientation;
  • Figure 7 is a planar view of a first side of a second embodiment of a trans ⁇ action card configured in accordance with the principles of the present invention
  • Figure 8 is an end view of the transaction card of Figure 7
  • Figure 9 is a planar view of the second side of the transaction card of Figures 7 and 8
  • Figure 10 is a front, planar view of a third embodiment of a transaction card configured in accordance with the principles of the present invention
  • Figure 11 is a rear, planar view of the transaction card of Figure 10;
  • Figure 12 is a front, planar view of a fourth embodiment of a transaction card configured in accordance with the principles of the present invention.
  • Figure 13 is a rear, planar view of the transaction card of Figure 12;
  • Figure 14 is a front, planar view of a fifth embodiment of a transaction card configured in accordance with the principles of the present invention.
  • Figure 15 is a rear, planar view of the transaction card of Figure 14;
  • Figure 16 is a front, planar view of a sixth embodiment of a transaction card configured in accordance with the principles of the present invention;
  • Figure 17 is a rear, planar view of the transaction card of Figure 16;
  • Figure 18 is a front, planar view of a more specific transaction card configured in accordance with the principles of Figures 16 and 17;
  • Figure 19 is a rear, planar view of the transaction card of Figure 18;
  • Figure 20 is a front view of a seventh embodiment of a transaction card configured in accordance with the principles of the present invention.
  • Figure 21 is a rear view of the transaction card of Figure 20;
  • Figure 22 is a planar, rear view of an embodiment of a transaction card which may be utilized with transaction cards having a front view which corresponds to
  • Figure 23 is a diagrammatical view illustrating either of the embodiments of the transaction card of Figures 1-9 being used with a merchant swipe reader;
  • Figure 24 is a diagrammatical view showing either of the embodiments of the transaction cards of Figures 1-9 being used with an ATM-like reader;
  • Figure 25 is a diagrammatical view showing either of the embodiments of the transaction cards of Figures 1-9 being used with an impact-type reader;
  • Figure 26 is a diagrammatical view showing any of the readers of Figures 22- 24, being connected with a currently existing transaction card processing system. Detailed Description
  • a transac ⁇ tion card 20 comprising a substrate having the approximate length, width and thick ⁇ ness of a standard VIS A/MasterCard/ American Express/ Discover credit card.
  • Figure 1 illustrates the rear view of the transaction card 20 wherein the transaction card has a first area 21 and a second area 22.
  • the second area 22 is preferably visually distinctive from the first area 21.
  • the second area 22 may be green in color and the first area 21 may be brown in color, whether different colors are used and the particular color selected by the vendor of the credit card is optional and it is only important that, when used, the user be able to visually distinguish the first area 21 from the second area 22.
  • the first area 21 may also optionally have a different tactile feel from the second area 22. Again, it is only important that, when used, the first area 21 be distinguishable from the second area 22.
  • the first area 21 has a first magnetic stripe 24 adhered thereto in accordance with standard transaction card dimensions. In other words, the first magnetic stripe 24 is preferably disposed approximately 3/8 inch from the edge 25 of the transaction card 20.
  • the first magnetic stripe 24 is en ⁇ crypted with standard read-only data that the usual customer transaction card is en- crypted with, i.e. , data that may be read by a merchant swipe reader, an ATM-like reader or an older imprint-type reader.
  • An example of the read-only encoded data on the stripe 24 is data identifying the card user and the category of the account to be charged upon using the transaction card 20.
  • a second magnetic stripe 26 Disposed in the second area 22 is a second magnetic stripe 26 which is prefer- ably positioned 3/8 inch from the edge 27 of the transaction card 20 in accordance with standard transaction card requirements.
  • the second magnetic stripe 26 can be encrypted with data different from the data of the first magnetic stripe 24 so that when the card 20 is used, separation of transactions at the point of sale may be accomplished (e.g. , stripe may identify a separate account).
  • the first stripe 24 may be for business expenses and the second stripe 26 for personal expendi- tures, or the first stripe 24 may be for necessities and the second stripe 26 for luxuries.
  • first and second magnetic stripes 22 and 26 are on the same surface 28, i.e. , the rear surface of the transaction card 20.
  • the front surface 29 of the transaction card 20 is shown.
  • the front surface 29 is divided into third and fourth areas 32 and 30 which preferably has different visual or tactile indicia.
  • the third area 32 is the same color or texture as the first area 21 and the fourth area 30 is of the same visual or tactile indicia as the second area 22 on the rear side 28 of the transaction card 20.
  • the front side 29 of the transaction card 20 has a first set of printed indicia 33 and a second set of printed indicia 34 which is in ⁇ verted with respect to the printed indicia 33 so as to inform the person using the card as to which of the magnetic stripes 24 and 26 is being read.
  • Printed indicia may or may not contain user's account number; if, account number is used, it may be identi ⁇ cal or different. As is seen in Figure 3, since the printed indicia 33 in the green third area 30 is oriented right side up for reading, it is known to the user and to the mer ⁇ chant that the magnetic stripe 26 in the green area 22 is being read.
  • the orientation of the transaction card 20 is re- versed so that the printed indicia 33 is inverted and the printed indicia 34 is oriented for reading. This informs the user and merchant that the transaction card 20 is oriented so that the first stripe 24 rather than the second stripe 26 is positioned for reading by the transaction card reader.
  • FIG. 7-9 a second embodiment 40 of the transaction card in accordance with the present invention is illustrated wherein a first magnetic stripe
  • the stripes 42 and 46 preferably have encrypted thereon different read-only data identifying different accounts or categories of accounts to be charged.
  • printed indicia 50 on the second side 48 of the transaction card 40 re ⁇ lates to the first magnetic stripe 42, and printed indicia 51 on the first side 44 of the transaction card 40 relates to the second magnetic stripe 46.
  • first and second background colors 56 and 58 are preferably used with the card 40.
  • the first color 56 links first stripe 42 to printed indicia 50 and the second color 58 links the second stripe 46 to the printed indicia 51.
  • Any or no colors may be used and it is only important that the two lines of data en- crypted on stripes 42 and 46 on the card 40 be visually distinguishable. This also may be accomplished by words such as using the term "BUSINESS" on side 44 of the card and the term "PERSONAL" on the second side 48 or by using a different tactile feel.
  • the first side 44 of the transaction card 40 may be of entirely one color and the second side 48 be of another color.
  • transaction cards (not shown) that include read-only magnetic strips extending pe ⁇ endicular to the direction of the magnetic stripes 24 and 26 of the transaction card 20 and perpendicular to the magnetic stripes 42 and 46 of the transaction card 40 so as to provide additional read- only data for various purposes.
  • These magnetic stripes may be in lieu of or in addi ⁇ tion to the magnetic stripes of transaction cards 20 and 40 and may be on the same or opposite sides of the transaction cards.
  • a transaction card 60 has a front face 61 which includes in- dicia 62 such as that identifying the transaction card customer and the expiration date and indicia 63 which is the transaction card account number.
  • in- dicia 62 such as that identifying the transaction card customer and the expiration date
  • indicia 63 which is the transaction card account number.
  • on the rear face 65 of the transaction card there are two magnetic stripes 66 and 67. Magnetic stripes 66 and 67 both correspond to the account number on the front of the card.
  • an identifier in addition to the account number data on the magnetic stripe, is used to assign trans actions to different categories represented by each stripe after the magnetic stripe is used at the point of sale.
  • a transaction card 70 has a front face 71 with indicia 72 thereon identi- fying the customer and account number indicia 73 thereon which differs from the account number indicia 63 of the transaction card 60.
  • the indicia 73 includes in the account numbers "5" and "6" separated by a "slash" 74.
  • the front face 71 of the transaction card 60 has in effect two account numbers in the account number indi ⁇ cia 73 which differ only in the final digit, resulting in one account number being a permutation of the other.
  • a transaction card 80 has on a front face 81 thereof first indicia
  • the transaction card 80 is in ⁇ verted to swipe the magnetic stripe 86 from the orientation of Figure 15 which is used to read the magnetic stripe 87. In non-magnetic stripe transactions, the transaction card 80 is inserted either upside down or right side up to select the appropriate account number. In either case, the embossed information will be correctly placed on the invoice slip.
  • a transaction card 90 has a front face 91 with first indicia 92 iden ⁇ tifying the customer, a first account number 93 and second account number 94, wherein the account numbers are both oriented the same as the customer indicia 92.
  • the stripes 96 and 97 are associated with the account num ⁇ bers 93 and 94, respectively.
  • the account number 93 or 94 actually used is circled when the point of sale use is a non-magnetic stripe use.
  • a transaction card 90' has a front face 91 ' which is substantially similar to that of the transaction card 90 of Figure 16, but with the addition of printed indicia 98 and 99 specifically identifying the purpose of the account numbers 93 and
  • the front face of the printed indicia 99 is for "business" use, while the printed indicia 98 is for "personal” use.
  • the written indicia 98 and 99 also appears on the back face 95' of the card identifying the use of the magnetic stripes 96 and 97 with which the indicia is associated.
  • the indicia 98 and 99 are inverted with respect to one another, as are the account numbers 93 and 94.
  • the rear faces thereof 65, 75, 85, 95 and 95' is preferably divided into areas A and B.
  • the area A preferably has a different color from the area B so as to visually distinguish the area A from the area B. According ⁇ ly, the identity of the magnetic stripe being swiped and read is readily apparent to the user or handler of the card at the point of sale.
  • transaction card 100 has in the front face 101 with transaction card customer information 102 identifying a single customer.
  • transaction card customer information 102 identifying a single customer.
  • the stripes 111-114 can be identified using different colors, category identifiers (personal, business) and account numbers as mentioned previously for the two stripes.
  • the magnetic stripes 113 and 114 are spaced from the short edges 116 and 118 of the transaction card 100 by the same distance that the magnetic stripes 111 and 112 are spaced from the long edges 120 and 122 of the transaction card. Consequently, the stripes 113 and 114 are readable by a standard magnetic card reader since even their shorter length is long enough to provide space for a usable code.
  • a ninth embodiment of the invention is shown, wherein a credit card 130 has stripes 132 and 134 thereon which extend across the width of the card adjacent side edges 136 and 138. Again, the magnetic stripe 132 and 134 are long enough to contain enough information for reading by a conventional, standard transaction card reader.
  • FIGs 23-25 there are shown a standard variety of readers for the transaction card embodiments previously described.
  • the readers are conven ⁇ tional readers employed presently at retail establishments and banks.
  • a merchant swipe reader 160 is shown; in Figure 24, an ATM-type reader 162 is shown; and in Figure 25, an imprint-type reader 164 is shown.
  • an imprint-type reader 164 is shown.
  • the transaction card 20 of the first embodiment is shown being used but each of the aforedescribed transaction cards 40, 60, 70, 80, 90, 90' and 100 is also readably usable instead of the transaction card 20, the transaction card 20 being merely exemp ⁇ lary.
  • the card 20 With the merchant swipe reader 160, the card 20 is oriented so that either the first magnetic stripe 24 or the second magnetic stripe 26 is received in a slot 166, while in the ATM reader 162, either the first or second magnetic stripe is positioned for reading in a slot 168 in coordination with operation of a keypad 170.
  • a slider 172 engages either the printed indicia 33 or the printed indicia 34 and imprints the indicia on a written charge slip.
  • the printed indicia 33 and 34 and the printed indicia of all em ⁇ bodiments is preferably raised but for other uses, the indicia need not be raised and, in accordance with another embodiment of the invention, is flat or coplanar with the surface of the transaction card.
  • ATM-type readers 162 and imprint readers 164 are connected to a credit card pro- cessor or bank ATM processor 182 in accordance with conventional currently used arrangements.
  • the system is described during using the transaction card 20 of the first embodiment but each of the aforedescribed transaction cards is usable in the system.
  • the processor 182 in turn communicates with a credit card bank or commer- cial bank 184 which generates two listings 186 and 188 on the card user's statement
  • the listing 186 is for charges to the account identified by data encrypted on the first magnetic stripe 24 and identified by the first area 21 on the back of the trans ⁇ action card 20 and the third area 32 on the front of the transaction card 20, while the listing 188 corresponds to the data encrypted on the second magnetic stripe 26 in the second area 22 on the back surface 28 of the transaction card and the fourth area 30 on the front surface 29 of the transaction card.
  • the listing 186 includes charges associated with the first magnetic stripe 42 on the first side 44 and the printed indicia 50 on the second side 44 of the transaction card while the listing 188 includes charges asso- ciated with the second magnetic stripe 46 on the second side 48 of the transaction card and the raised indicia 51 on the first side 44.
  • the listings 186 and 188 are produced in the single statement 190, which single statement may be divided by the credit card user at the credit card user's convenience.
  • one of the stripes 24 or 26 is for ATM data
  • the information relating to ATM transactions may appear on a separate statement. There may be other arrangements in which separate statements are preferred.
  • Reasons for separating transactions may be of special significance for small business owners who need specific categorization of business expenses which can be separated for accounting purposes.
  • Employees can use the single transaction cards to separate business expenses that will require reimbursement from personal expenses.
  • items which need to be tracked separately can be charged against separate magnetic stripes while separate magnetic stripes allow staging of pay ⁇ ments for cash flow because payment periods can be staggered, allowing more fre- quent smaller payments, rather than a single large payment.
  • Another advantage is the ability to assign specific types of payment to specific lines of credit (charge lines: paid off monthly lines; revolving lines; lines requiring differing minimum payments; and installment lines requiring fixed payments). For example, charging emergency uses, such as health care expenses, to one of the magnetic stripes and personal uses to the other magnetic stripe.
  • the present invention also enables the user to deter ⁇ mine who pays for transactions made against each stripe. For example, college stu ⁇ dents may charge school supplies to be paid by parents to one stripe and all other ex ⁇ shipss to be paid personally by the student to the other stripe. These are merely ex ⁇ emplary of advantages that the credit card, according to the present invention, provides to the credit card user.
  • credit card banks which distribute trans ⁇ action cards configured with multiple magnetic stripes, according to the present inven ⁇ tion, have the advantage of garnering additional market share in a highly competitive industry by replacing at least one other transaction card in the user's array to thereby become a card of choice, in essence doubling balance user's card.
  • busi ⁇ ness/personal card synergies are achievable, benefitting both users and credit card banks.
  • a strong corporate card can add all of its business customers to its personal card portfolio by providing a combination business/personal card (and vice- versa).
  • card rebates such as airline miles

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  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Credit Cards Or The Like (AREA)

Abstract

Carte de transaction (20) comportant au moins deux bandes magnétiques (24, 26) à lecture seule codées en fonction de protocoles de codage normalisés. Ces bandes sont associées à des zones (21, 22) de la carte qui peuvent présenter différents indices, tels que, par exemple, différentes textures ou couleurs. D'après un mode de réalisation, deux ensembles d'indices imprimés peuvent être superposés sur la carte et comportent, par exemple, le numéro de la carte de transaction, la date d'expiration et le nom de l'utilisateur. Un ensemble d'indices imprimés est inversé par rapport au deuxième ensemble. Cette carte possède une dimension standard et peut être lue dans des lecteurs normalisés connus dans l'état actuel de la technique.
PCT/US1996/018612 1995-11-20 1996-11-20 Carte de transaction possedant plusieurs bandes magnetiques WO1997019421A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU10206/97A AU1020697A (en) 1995-11-20 1996-11-20 Transaction card with plural magnetic stripes

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US08/560,585 US5883377A (en) 1995-11-20 1995-11-20 Multiple magnetic stripe transaction cards and systems for the utilization thereof
US08/560,585 1995-11-20
US74342996A 1996-11-01 1996-11-01
US08/743,429 1996-11-01

Publications (1)

Publication Number Publication Date
WO1997019421A1 true WO1997019421A1 (fr) 1997-05-29

Family

ID=27072391

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US1996/018612 WO1997019421A1 (fr) 1995-11-20 1996-11-20 Carte de transaction possedant plusieurs bandes magnetiques

Country Status (2)

Country Link
AU (1) AU1020697A (fr)
WO (1) WO1997019421A1 (fr)

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2318089A (en) * 1997-11-13 1998-04-15 Flying Null Ltd Banknote with two magnetic security features
WO1999028863A1 (fr) * 1997-11-26 1999-06-10 Deutsche Telekom Ag Carte a puces ou carte magnetique multifonctionnelle
WO2003007233A1 (fr) * 2001-07-10 2003-01-23 Alessandro Soranzo Carte de credit a codes de securite
NL1036020C2 (nl) * 2008-10-06 2009-01-29 Bas Verkooy Betaalpas en/of creditcard welke aan één of beide zijden kan worden voorzien van maximaal vier magneetstrippen of chips waardoor deze voor meerdere accounts gebruikt kan worden en zodoende opbergruimte spaart, efficient is in gebruik en het gemak dient.
US7996318B2 (en) 2001-10-09 2011-08-09 Robert Victor Marcon Multi-function electronic transaction card

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4609812A (en) * 1981-02-27 1986-09-02 Drexler Technology Corporation Prerecorded dual strip data storage card
US4806740A (en) * 1986-09-19 1989-02-21 Light Signatures, Inc. Magnetic characteristic identification system
US5326964A (en) * 1993-03-10 1994-07-05 Risser J Marlin Separable multi-account safety credit card

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4609812A (en) * 1981-02-27 1986-09-02 Drexler Technology Corporation Prerecorded dual strip data storage card
US4806740A (en) * 1986-09-19 1989-02-21 Light Signatures, Inc. Magnetic characteristic identification system
US5326964A (en) * 1993-03-10 1994-07-05 Risser J Marlin Separable multi-account safety credit card

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2318089A (en) * 1997-11-13 1998-04-15 Flying Null Ltd Banknote with two magnetic security features
WO1999028863A1 (fr) * 1997-11-26 1999-06-10 Deutsche Telekom Ag Carte a puces ou carte magnetique multifonctionnelle
WO2003007233A1 (fr) * 2001-07-10 2003-01-23 Alessandro Soranzo Carte de credit a codes de securite
US7996318B2 (en) 2001-10-09 2011-08-09 Robert Victor Marcon Multi-function electronic transaction card
NL1036020C2 (nl) * 2008-10-06 2009-01-29 Bas Verkooy Betaalpas en/of creditcard welke aan één of beide zijden kan worden voorzien van maximaal vier magneetstrippen of chips waardoor deze voor meerdere accounts gebruikt kan worden en zodoende opbergruimte spaart, efficient is in gebruik en het gemak dient.

Also Published As

Publication number Publication date
AU1020697A (en) 1997-06-11

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