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Data card that can be used for transactions involving separate card issuers

  • US 5,578,808 A
  • Filed: 02/28/1995
  • Issued: 11/26/1996
  • Est. Priority Date: 12/22/1993
  • Status: Expired due to Fees
First Claim
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1. A smart card for recording data relating to a card user and a plurality of card issuers and, associated with each issuer, the following fields:

  • an application code field indicating a type of application made available to the user by the issuer;

    a PIN field identifying the user;

    an access code field wherein the card issuer can have access to the fields associated with that issuer but not to fields associated with any other issuer;

    an account number field;

    an expiration date field; and

    a miscellaneous data field provided for the issuer to record additional data to facilitate its operations with respect to the user;

    wherein the fields associated with each issuer are separate from the fields associated with every other issuer.

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