Secure credit card

• US 4,667,087 A
• Filed: 03/31/1986
• Issued: 05/19/1987
• Est. Priority Date: 03/31/1986
• Status: Expired due to Fees

• Current Assignee: Alton Y. Lennon, Bernard L. Morgan, Robert E. King
• Original Assignee: Alton Y. Lennon, Bernard L. Morgan, Max A. Quintana, Robert E. King
• Inventors: Quintana, Max A.
• Primary Examiner(s): Pitts, Harold I.
• Application Number:
  US06/846,214
• Time in Patent Office: 414 Days
• Field of Search: 235/379, 235/380, 235/382, 235/381
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/3415 Cards acting autonomously as pay-media
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A credit card resistant to unlawful use has a code, indicative of the owner'"'"'s account number hidden beneath an opaque shield. The card has a keyboard and microprocessing components electrically connected to the shield. Insertion of correct entries, e.g. an owner'"'"'s personal identification number, into the keyboard results in application of an electric signal to the shield to render it transparent in order that the code may be viewed by another person or by a machine. Erroneous attempts to operate the keyboard beyond a predetermined standard disable the keyboard from further operation.

Claims

1. A portable identification device having a code display means and a processing system mounted unitarily, said processing system having identification input means,

masking means over said code display means, said masking means in a first mode preventing visual reading of said code display means, and in a second mode permitting visual reading of said code display means,

said processing system having means to cause said masking means to switch from said first mode to said second mode.

2. The invention of claim 1, in which said identification input means includes character input means.

3. The invention of claim 2, said processing system having a stored personal identification number (PIN), and program means for comparing an input series of characters purporting to comprise a PIN to the stored PIN, whereby said processing system means is operative to switch said masking means to said second mode if the input PIN equals the stored PIN.

4. The invention of claim 2, said processing system having a character display means, said processing means functioning to indicate on said character display means each character inputted by said character input means.

5. The invention of claim 2, said processing system having a character counter display means, said processing means functioning to indicate on said character counter display means the number of characters inputted by said character input means.

6. The invention of claim 2, said processing system having input error sensing means and means for disabling said processing system from further operation if the input errors sensed exceed a predetermined standard.

7. The invention of claim 3, said processing system having an input error counter display means, said processing means functioning to indicate on said error counter display means the number of erroneous input series of characters inputted by said character input means.

8. The invention of claim 3, said processing system having means for timing the interval between each input in a series of characters and comparing it to a standard.

9. The invention of claim 2, said processing system having a stored personal identification number (PIN), and program means including:

(1) means for comparing an input series of characters purporting to comprise a PIN to the stored PIN;

(2) means for comparing the number of input characters to a standard;

(3) means for timing the interval between actuation of said keyboard means characters and comparing it to an interval standard;

(4) means for generating an error indication if the stored PIN is not indentical to the input PIN, or if the interval between keyboard actuations, exceeds the interval standard;

(5) means for disabling the keyboard means if the number of error indications reaches a predetermined number; and

(6) means for operating such switch causing means to switch said masking means to said second mode if (1), (2), and (3) above are satisfied.

10. The invention of claim 1, and a terminal device having means for reading said code display means.

11. The invention of claim 1, in which the code display means is a UPC bar code.

12. The invention of claim 1, in which the code display means is a series of characters readable by machine means.

13. The invention of claim 1, in which the masking means is a liquid crystal display.

14. The invention of claim 1, in which the masking means is an encapsulated nematic liquid crystal.

15. The invention of claim 1, in which the masking means is an encapsulated nematic liquid crystal of the type disclosed in the Fergason U.S. Pat. No. 4,435,047.

16. The invention of claim 1, in which the code display means, the processing system, and the masking means are molded together in a thin unitary body.

17. The invention of claim 1, in which the code display means is adhered to the masking means.