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Registers – Systems controlled by data bearing records – Banking systems

Reexamination Certificate

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C235S380000, C235S488000, C705S019000, C283S092000, C441S007000, C441S015000

Reexamination Certificate

active

11058438

ABSTRACT:
This invention relates to a universal financial product and enables to use it for managing money resources, e.g., sums being on a personal account. The housing of the pay card may be made of a precious or rare metal, bone, finewood; the elements of the features of a pay system and an issuing bank as well as those of protection and personalization are also made of the said materials, including precious stones, by engraving and inlaying. A place is provided for a standard electronic chip, which may be replaced. Periods of use of the pay card and the reliability of its level of protection against imitating and counterfeiting are increased.

REFERENCES:
patent: 3793600 (1974-02-01), Grosbard
patent: 4931629 (1990-06-01), Frankfurt
patent: 6025283 (2000-02-01), Roberts
patent: 6813011 (2004-11-01), Gardner et al.
patent: 2003/0019925 (2003-01-01), Cannon et al.
patent: 2003/0116633 (2003-06-01), Clayman et al.

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