Multi-application data card

Details Multi-application data card Multi-application data card

1993-12-22

1996-06-25

Hajec, Donald T.

Registers

Systems controlled by data bearing records

Credit or identification card systems

235379, 235440, 235492, G06K 500

Patent

active

055302327

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.

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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. 8.

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