Universal credit card apparatus and method
DCFirst Claim
Patent Images
1. A universal credit card apparatus for providing and receiving access to a plurality of accounts including a plurality of account services and account information to and from a host system comprising:
- a carrier having a planar surface said carrier supporting the components of the apparatus;
at least one memory device, chosen from the group consisting of volatile memory and nonvolatile memory, carried by said carrier, for storing account data including account identifying information for more then one account;
an emitter device, chosen from the group consisting of infrared LEDs, coils, antenna and transducers, carried by said carrier, user programmable responsive to a user command with a plurality of sets of account identifying information for transmitting said account identifying information to said host system;
a receiver device, chosen from the group consisting of phototransistors and antenna, carried by said carrier, for receiving account data including account information from said host system;
a display device, carried by said carrier, for selectively displaying account information;
a control circuit, carried by said carrier, coupled to said memory, to said display device and to said receiver device and which is operable to store account data including account information received by said receiver device and which host system into said memory and to cause said account information stored in said memory to appear on said display device; and
a power source, carried by said carrier, and coupled to at least one of said memory, said receiver device, said display device and said control circuit;
wherein the emitter device is configured to provide programmable optical patterns to identity a user selected account to the host system.
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Abstract
The apparatus and method described herein provides for creating multiple spatial patterns, such as magnetic patterns on credit cards. The invention includes storage of information from which patterns may be created, a pattern creation device for creating the spatial patterns, and control whereby the information which is stored is selectively utilized to cause the pattern creation. This allows multiple desired patterns to be simulated, allowing convenient replacement of a number of separate pattern carrying devices.
272 Citations
13 Claims
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1. A universal credit card apparatus for providing and receiving access to a plurality of accounts including a plurality of account services and account information to and from a host system comprising:
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a carrier having a planar surface said carrier supporting the components of the apparatus; at least one memory device, chosen from the group consisting of volatile memory and nonvolatile memory, carried by said carrier, for storing account data including account identifying information for more then one account; an emitter device, chosen from the group consisting of infrared LEDs, coils, antenna and transducers, carried by said carrier, user programmable responsive to a user command with a plurality of sets of account identifying information for transmitting said account identifying information to said host system; a receiver device, chosen from the group consisting of phototransistors and antenna, carried by said carrier, for receiving account data including account information from said host system; a display device, carried by said carrier, for selectively displaying account information; a control circuit, carried by said carrier, coupled to said memory, to said display device and to said receiver device and which is operable to store account data including account information received by said receiver device and which host system into said memory and to cause said account information stored in said memory to appear on said display device; and a power source, carried by said carrier, and coupled to at least one of said memory, said receiver device, said display device and said control circuit; wherein the emitter device is configured to provide programmable optical patterns to identity a user selected account to the host system. - View Dependent Claims (2, 3)
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4. A universal credit card apparatus for providing and receiving account data including account information to and from a host system comprising:
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a carrier having a planar suite said carrier supporting the components of the apparatus; at least one memory device, chosen from the group consisting of volatile memory and nonvolatile memory, carried by said carrier, for storing account data including account information for at least one account; an emitter device, carried by said carrier, programmed with account identifier information for transmitting account identifying information to said host system; a receiver device, carried by said carrier, for receiving account data including account information from said host system; a display device, carried by said carrier, for selectively displaying account information; a control circuit, carried by said carrier, coupled to said memory, to said display device and to said receiver device and which is operable to store account data including account information received by said receiver device from the host system into said memory and to cause said account information stored in said memory to appear on said display device; a power source, carried by said carrier, and coupled to at least one of said memory, said receiver device, said display device and said control circuit; wherein the emitter device is configured to identifying an account to the host system, wherein the receiver device is configured to receive the particular account data including account information from the host system, wherein the control circuit is configured to cause the particular account data including account information to be stored in the memory and to cause said account information, consisting of all or a portion of said account data, to be written to said magnetic strip and create a magnetic pattern therein corresponding to said account data, and to appear on the display device.
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5. A universal credit card apparatus for providing and receiving account data including account information to and from a host system comprising:
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a carrier having a planar surface said carrier supporting the components of the apparatus; at least one memory device, chosen from the group consisting of volatile memory and nonvolatile memory, carried by said carrier, for storing account data including account information for at least one account; an emitter device, carried by said carrier, programmed with account identifier information for transmitting account identifying information to said host system; a receiver device, carried by said carrier, for receiving account data including account information from said host system; a display device, carried by said carrier, for selectively displaying account information; a control circuit, carried by said carrier, coupled to said memory, to said display device and to said receiver device and which is operable to store account data including account information received by said receiver device from the host system into said memory and to cause said account information stored in said memory to appear on said display device; a power source, carried by said carrier, and coupled to at least one of said memory, said receiver device, said display device and said control circuit; a programmable magnetic strip carried by said carrier, the magnetic strip adapted to receive magnetic data for an account copied from the memory device and loaded into the magnetic strip to thereby create a predetermined magnetic pattern corresponding to the account information; wherein the emitter device is configured to identify an account to the host system, wherein the receiver device is configured to receive the particular account data including account information from the host system, wherein the control circuit is configured to cause the particular account data including account information to be stored in the memory and to cause said account information, consisting of all or a portion of said account data, to be written to said magnetic strip and create a magnetic pattern therein corresponding to said account data, and to appear on the display device; an operator interface device, carried by said carrier, connected to said control device, operable by a user to select and account location in said memory in which account data including account information received from the host system is to be stored;
wherein, the user of the universal credit card apparatus can select which, of the multiple accounts stored on the card, is to be the subject of the particular use and, as such, is to receive account data including account information from the host to be stored in memory and which account information is displayed on the display device and written to said magnetic strip. - View Dependent Claims (6, 7, 8)
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9. A universal credit card apparatus for providing and receiving account data including user selected account information to and from a host system comprising:
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a carrier having a planar surface said carrier supporting the components of the apparatus; at least one memory device, chosen from the group consisting of volatile memory and nonvolatile memory, carried by said carrier, for storing account data including account information for at least one account; an emitter device, chosen from the group consisting of infrared LEDs, coils, magnetic strips, antenna and transducers, carried by said carrier, programmed with account identifier information for transmitting account identifying information to said host system; a receiver device, chosen from the group consisting of phototransistors, magnetic strips and antenna, carried by said carrier, for receiving account data including account information from said host system; a display device chosen from the group consisting of LCDs, LEDS, CRTs, incandescent displays, florescent displays, flip dot displays, beepers, buzzers, and vibrators, carried by said carrier, for selectively displaying account information; a control circuit, carried by said carrier, coupled to said memory, to said display device and to said receiver device and which is operable to store account data including account information received by said receiver device from the host system into said memory and to cause said account information stored in said memory to appear on said display device; a power source, carried by said carrier, and coupled to at least one of said memory, said receiver device, said display device and said control circuit t; and a programmable magnetic strip cried by said carrier, the magnetic strip adapted to receive magnetic data for an account copied from the memory device and loaded into the magnetic strip to thereby create a predetermined magnetic pattern corresponding to the account information. - View Dependent Claims (10, 11, 12, 13)
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Specification