Gateway apparatus for designing and issuing multiple application cards

• US 5,969,318 A
• Filed: 11/24/1997
• Issued: 10/19/1999
• Est. Priority Date: 11/24/1997
• Status: Expired due to Fees

• Current Assignee: Hanger Solutions, LLC (IP Investments Group LLC)
• Original Assignee: Holger Mackenthun
• Inventors: Mackenthun, Holger
• Primary Examiner(s): Hajec, Donald
• Assistant Examiner(s): TREMBLAY, MARK STEPHEN
• Application Number:
  US08/977,410
• Time in Patent Office: 694 Days
• Field of Search: 235/380, 235/375, 235/492, 705/27
• US Class Current: 235/380
• CPC Class Codes: G06K 5/00 Methods or arrangements for verifying the correctness of markings on a record carrier; Column detection devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/355 Personalisation of cards for use
• CPC Class Codes: G06Q 20/3576 Multiple memory zones on card
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

An apparatus and method for connecting a card requester with multiple card service providers, whereas the card requester can select multiple services from a menu on a computer screen. The services offered by the multiple service providers can be combined and issued on one card after a successful calculation and simulation of the data was performed by the apparatus. The apparatus consists essentially of a host computer with a specific software, known as gateway apparatus or "Gateway Apparatus for Designing and Issuing Multiple Application Cards" (GADIMAC).

The gateway apparatus connects a card requester with multiple card service providers, transmits all requests from a card requester to selected card service providers, receives service and card required data for the services from the selected card service providers, merges all data by simulating and calculating the best combination of all service specific requirements to coexist on one card, considering different types of card technologies that can be applied to a multiple application card, generates one output file for all card related requirements of different services and transmits the output file to a card manufacturing apparatus that manufactures, personalizes and issues a card. The GADIMAC is the common interface and automated engine to connect various parties, calculate and combine service and card related data in order to present and issue a multiple application card.

Claims

1. A mechanical/electronic communication system for providing a multiple application card to a requester of such card comprising:

a gateway apparatus comprising a host computer capable of managing multiple tasks and having multiple communication ports to connect via communication lines with other computers of card requesters and card service providers;

a database I contained in the gateway apparatus for storing services of card service providers;

a database II contained in the gateway apparatus for storing card requester related information,

a remote computer of a multiple application card requester electronically connected to said gateway apparatus for inputting a request to said gateway apparatus;

one or more remote computers of card service providers electronically connected to said gateway apparatus for inputting their offer of services;

wherein the gateway apparatus further comprises;

means for presenting services of multiple card service providers in a menu from which the card requester selects desired services;

means for combining and optimizing card related production and personalization data of one or more applications from multiple card service providers for providing services together on one card;

means for visually simulating and presenting the card to the card requester on a computer screen of the card requester allowing the card requester to add and remove desired services thereafter;

means for generating an output file with all card related production and personalization data;

means for issuing a confirmation number to the card requester to confirm his requests;

means for storing the output file with the related confirmation number in the database II; and

means for transmitting the output file to a card manufacturer for producing a card.

2. The gateway apparatus of claim 1 having a database III for card types, a calculation unit and simulation unit, wherein this gateway apparatus further comprises:

means for providing information of card types and card technologies from its database III to the calculation unit to simulate and propose the best solution for a specific multiple application card;

means for forwarding information between a card requester and a selected card service provider;

means for requesting customer specific information from the card requester and forwarding such information to all selected card service providers;

means for requesting all card related production and personalization data of each application provided by the card service providers to perform the services on a card;

means for requesting from each card service provider information of competing card service providers;

means for further requesting from each card service provider their conditions of combining and applying services together on one card;

means for organizing all data received from the card service providers into a format that enables the calculation unit to combine data of related services;

means for calculating the maximum combination and possibilities of all related data received from each card service provider in conjunction with the information of the database III of card types and generates one output file with all specifications for producing and personalizing a multiple application card;

means for simulating an optimized card with the calculated data and presenting said design to the card requester;

means for evaluating the data integrity of multiple applications and card technologies, and

means for identifying conflicting services and card specifications to perform services on one card, whereby in case of a conflict the said card simulation unit will notify the card requester and will recommend alternative solutions by applying only a subset of services on the card.

3. The mechanical/electronic communication system of claim 1 wherein said gateway apparatus is connected via communication lines to an automated card manufacturing apparatus and wherein the gateway apparatus further comprises means for transmitting its output file to said card manufacturing apparatus for producing, personalizing and issuing a multiple application card.

4. The mechanical/electronic communication system of claim 1 wherein said gateway apparatus is connected via communication lines to a self service terminal with an integrated card manufacturing apparatus together further comprising:

means for receiving a confirmation number entered by a card requester at said self service terminal;

means for browsing through a database and selecting an output file with associated confirmation number which matches the one received from the self service terminal; and

means for transmitting the selected output file from the database II to the self service terminal for producing, personalizing and issuing a multiple application card.

5. A method for providing a multiple application card to a requester of such card comprising the steps of:

inputting offers of services by multiple card service providers to a gateway apparatus, wherein said gateway apparatus comprises a host computer capable of managing multiple tasks and having multiple communication ports to connect with other remote computers of card service providers having communication lines to said host computer;

inputting on a remote computer to a gateway apparatus a request by a requester of the multiple application card for issuance of said card;

wherein said gateway apparatus is capable of simulating multiple applications on cards, presents services of multiple card service providers in a menu from which the card requester selects desired services offered by the multiple card service providers;

receiving the card requester'"'"'s selection of services;

combining and optimizing card related production and personalization data of one or more applications from multiple card service providers to provide services together on one card;

visually simulating and presenting the card to the card requester on the computer screen of the card requester allowing the card requester to add and remove desired services thereafter;

generating an output file with all card related production and personalization data;

issuing a confirmation number to the card requester to confirm his requests;

storing the output file with the related confirmation number in a database; and

transmitting the output file to a card manufacturer, card manufacturing apparatus or self service terminal to produce a card.

6. The method of claim 5 wherein said gateway apparatus combines multiple card design specific requirements to one specification for producing a multiple application card comprising the steps:

providing information of card types and card technologies from a database to a calculation unit to simulate and propose the best solution for a specific multiple application card;

forwarding information between a card requester and selected card service providers;

requesting customer specific information from the card requester and forwarding such information to all selected card service providers;

requesting all card related production and personalization data of each application provided by the card service providers to perform the services on a card;

requesting from each card service provider information of competing card service providers;

further requesting from each card service provider their conditions of combining and applying services together on one card;

organizing all data received from the card service providers into a format that enables the calculation unit to combine data of related services;

calculating the maximum combination and possibilities of all related data received from each card service provider in conjunction with the information of a database of card types and generates one output file with all specifications for producing and personalizing a multiple application card;

simulating an optimized card with the calculated data and presenting said design to the card requester;

evaluating the data integrity of multiple applications and card technologies, and identifying conflicting services and card specifications to perform services on one card, whereby in case of a conflict the said card simulation unit will notify the card requester and will recommend alternative solutions by applying only a subset of services on the card.