Security card and system for use thereof

• US 6,068,184 A
• Filed: 04/27/1998
• Issued: 05/30/2000
• Est. Priority Date: 04/27/1998
• Status: Expired due to Fees

• Current Assignee: Donald A. Barnett
• Original Assignee: Donald A. Barnett
• Inventors: Barnett, Donald A.
• Primary Examiner(s): HANTIS, KAREN
• Application Number:
  US09/067,130
• Time in Patent Office: 764 Days
• Field of Search: 235/380, 235/381, 235/379, 235/382, 235/382.5, 235/449, 235/492, 235/454, 235/493, 235/487, 902/4, 902/5, 902/27, 340/825.33, 340/825.35, 340/825.34, 340/825.36, 705/44
• US Class Current: 235/379
• 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 20/3415 Cards acting autonomously as pay-media
• CPC Class Codes: G06Q 20/3576 Multiple memory zones on card
• CPC Class Codes: G06Q 20/4093 Monitoring of device authentication
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/207 Surveillance aspects at ATMs
• CPC Class Codes: G07F 19/209 Monitoring, auditing or diagnose of functioning of ATMs
• CPC Class Codes: G07F 19/21 Retaining of the payment card by ATMs
• 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 security card system that includes a security card having an appearance like a real credit card or other bank card, and a security network that contains a security firm that enrolls persons in the system who have been provided with a security card by a card-issuing institution, and uses the security network for responding to emergency calls initiated by use of the security card, reports fraud, and in general, implements an emergency system and acts as a theft deterrent.

Claims

1. A security card for issuance to an owner, comprising a flat plastic card that is substantially similar in appearance and surface information content to a real bank card, so that an uninformed user of the security card cannot discern that the security card is not a real bank card, said security card being readable by a card machine but not usable to obtain money or credit when read by a card machine;

wherein when the security card is read by a card machine, an invisible alarm system is initiated, and a visible dummy program is displayed that is similar in appearance to a program displayed when a real bank card is read by the card machine.

2. The security card according to claim 1, wherein the appearance of the security card includes indicia for a credit card company logo, a series of 4-digit numbers, a user name, an expiration date, and a visible area indicating where encoded information is on the card.

3. The security card according to claim 2, wherein at least one of the 4-digit numbers is a personal identification number for a real credit card owned by the owner.

4. The security card according to claim 1, wherein the invisible alarm system comprises a mechanism for activating a remote alarm and subsequent response and apprehension procedures.

5. The security card according to claim 1, wherein the invisible alarm system comprises determination by a security hub of the identity of the owner.

6. The security card according to claim 1, wherein the dummy program has a built-in time delay.

7. The security card according to claim 1, wherein the bank card is selected from the group consisting of credit cards, debit cards, student identification cards, and contactless cards.

8. The security card according to claim 1, wherein the bank card is any card that is usable in card reader or scanner.

9. A security card system, comprising:

(a) a security card for issuance to an owner that is substantially similar in appearance and surface information content to a real bank card, so that an uninformed user of the security card cannot discern that the security card is not a real bank card, said security card being readable by a card machine but not usable to obtain money or credit when read by a card machine;

wherein when the security card is used in a card machine, an invisible alarm system is initiated, and a visible dummy program is displayed that is similar in appearance to a program displayed when a real bank card is read by the card machine; and

(b) a security firm that enrolls owners who have been issued a security card, responds to a remote alarm resulting from any use of the security card in a card machine, and implements subsequent response and apprehension procedures.

10. A method of reducing bank card fraud, comprising:

(a) providing a security card for issuance to an owner that is substantially similar in appearance and surface information content to a real bank card, so that an uninformed user of the security card cannot discern that the security card is not a real bank card, said security card being readable by a card machine but not usable to obtain money or credit when read by a card machine;

wherein when the security card is read by a card machine, an invisible alarm system is initiated and a visible dummy program is displayed that is similar in appearance to a program displayed when a real bank card is read by the card machine are initiated; and

(b) providing a security firm that enrolls owners who have been issued a security card, responds to a remote alarm resulting from any use of the security card in a card machine, and implements subsequent response and apprehension procedures.

11. The method of claim 10, wherein the security firm response to the alarm further comprises contacting financial institutions, which have issued bank cards to the owner, to suspend use of the bank cards.