Registers – Systems controlled by data bearing records – Credit or identification card systems
Patent
1982-11-12
1986-04-15
Trafton, David L.
Registers
Systems controlled by data bearing records
Credit or identification card systems
235382, 235492, 34082534, 382 4, G06K 500
Patent
active
045829853
DESCRIPTION:
BRIEF SUMMARY
BACKGROUND OF THE INVENTION
This invention is directed to a data carrier being preferably shaped as a personal card (i.e., credit card) holding information about the owner, the card issuing organization, account number, etc., and being intended for manual utilization at the place of use or by means of a read-in/read-out device included in a terminal equipment. The data carrier comprises means for internal processing of supplied identification information of the owner during a verification process and for generating an acceptance signal as a result of a verification of the identity and/or right of the owner to use the data carrier.
Data carriers or cards of the type indicated above are known and are generally referred to as credit cards. Normally, said cards are dimensioned according to an accepted ISO standard, which means that the card is made from a PVC material being bendable to some extent and having the approximate dimensions of 0.8 mm.times.54 mm.times.85 mm.
Data cards intended to be handled manually may comprise said information in an embossed print allowing the information to be transferred to a payment verification by means of a print operation.
Data cards intended to be handled by a terminal equipment may comprise a loop of magnetizable material comprising said information, and the terminal comprises a read-out device for reading the information which is registered magnetically and a read-in device for a read-in of new information. Data cards of this type may alternatively comprise optically readable and writeable areas and may also be of the punched card type holding a combination of holes being mechanically readable by the terminal equipment.
Recently active data cards have begun to appear on the market. Said cards are provided with memory circuits and logic circuits of semiconductor type which allows for storing of information and processing of the same internally on the card. For communication with a terminal equipment, cards of this type are provided with a number of externally available electrical connection means or corresponding coupling means.
A general problem when data cards are used is the fact that a lost or stolen data card may be used without authorization by a different person. This problem may be eliminated if the user is obliged to verify his right before the data card may be used.
In the case of data cards intended for manual handling, the verification may be carried out in that the user verifies his identity by presenting a different identification document. Normally, however, a certification is not required when such a data card is used, among other things due to the fact that this will create a delay and give rise to a long line of people at the places of use. Instead the active control or check is carried out by means of so-called black lists comprising the numbers of all blocked accounts, which may have been blocked due to the fact the account holder has not fulfilled his obligations towards the accounting organization or the fact that the account holder has reported the card as lost. The black lists, being up-dated regularly, mean a significant increase of work at the places of use. Moreover, it is possible that a blocked account will not be observed during a manual check. As a consequence, the card will be used despite the fact that it should not. Furthermore a card, which has been lost for example, may be misused from the time it is reported as lost until an updated black list is available.
In order to improve the working situation at the places of use, so-called electronic "black lists" have been developed lately. Then, a data computer including a memory is used to check the list. In said memory the information about blocked accounts which was previously printed on the black lists is stored. During a check the actual account number is introduced and thereafter compared with the total of scored account numbers. Summarizing, even if a device of this type allows for an improved check, it may be concluded that an adequate solution to the described problem is not availabl
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