Multi-application data card

Patent 5530232 Issued on June 25, 1996. Estimated Expiration Date:

December 22, 2013. Estimated Expiration Date is calculated based on simple USPTO term provisions. It does not account for terminal disclaimers, term adjustments, failure to pay maintenance fees, or other factors which might affect the term of a patent.

Abstract Claims Description Full Text

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Inventor

Taylor, Douglas C.

Assignee

Datamark Services, Inc.

Application

No. 172482 filed on 12/22/1993

US Classes:

235/380, Credit or identification card systems235/375, SYSTEMS CONTROLLED BY DATA BEARING RECORDS235/379, Banking systems235/440, Multiple sensor235/487, RECORDS235/492Conductive

Examiners

Primary: Hajec, Donald T.
Assistant: Lee, Michael G.

Attorney, Agent or Firm

Dowden; Donald S.

International Class

G06K 005/00

Abstract

A multi-application data card is capable of substituting for a plurality of existing single-application data cards. The multi-application data card can be a smart card comprising a memory formed with at least three memory banks or storage areas for storing and updating data relating respectively to at least one authorized holder of the card and at least two authorized applications of the card. Alternatively, the data card can be a conventional card having a magnetic stripe, and the memory functions can be performed at a location remote from the card reader and connected thereto by a data link. In addition, the data card can comprise both a magnetic stripe and solid-state circuitry so that it can be read by a card reader compatible with a magnetic-stripe card or by a card reader compatible with a smart card. In accordance with the invention, a card holder needs to carry just one card for all card uses, both financial and non-financial.

Other References

Three articles on smart cards, Automatic I.D. News, Dec. 1993, pp. 44 and 45
"Diebold: Get Smart on Cards," Bank Systems+Technology, Nov. 1993, single page
"Chemical Planning To Test an `Intelligent` Debit Card," New York Times, Nov. 18, 1993, single page
"Health `Smart Cards` Get Jump in Oklahoma," Wall Street Journal, Nov. 24, 1993, single page
"The Cashless Society," Information Week, Oct. 11, 1993, pp. 30, 31, 34, 36 and 40
"Banks Plant the Seeds of Smart Card Success," Bank Technology News, vol. 6, No. 2, Feb. 1993, pp. 1, 11-14
"At the Airport, Immigration Wants To See Your Palm," New York Times, Sep. 17, 1993, p. B5
"The ticket to ride: Smart cards," USA Today, Jan. 11, 1994, two pages
"A Toll Collector on the Information Highway," New York Times, Aug. 22, 1993, p.