Multiple magnetic stripe transaction cards and systems for the utilization thereof
First Claim
1. An indivisible transaction card comprising:
- a standard size and configuration conforming to regulations for a standard transaction card wherein the transaction card is an indivisible card readable by standard transaction card readers and includes a front face and a rear face;
the front face having printed indicia thereon identifying the customer; and
the rear face having a first magnetic stripe and a second magnetic stripe with both magnetic stripes being read-only magnetic stripes and being disposed adjacent opposite edges of the transaction card.
1 Assignment
0 Petitions
Accused Products
Abstract
A transaction card includes at least two read-only magnetically encoded stripes encoding different data in accordance with standard data encryption protocols readable by conventional transaction card reading systems. The stripes are associated with areas of the card which may have different indicia, such as, for example, being different colors or different textures. In accordance with one embodiment, superimposed upon the card may be two sets of printed indicia including, for example, the transaction card number, the expiration date and the name of the card user. One set of the printed indicia is inverted with respect to the other set so as to indicate to the user which one of the magnetic stripes is being processed. In this way, magnetically encoded information on the same transaction card may be segregated at the point of sale. The transaction card is readable by standard, existing readers and the information is processed for invoicing by standard processing systems to preferably generate a single statement with two groups of charges, one relating to each magnetically encoded stripe.
237 Citations
57 Claims
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1. An indivisible transaction card comprising:
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a standard size and configuration conforming to regulations for a standard transaction card wherein the transaction card is an indivisible card readable by standard transaction card readers and includes a front face and a rear face; the front face having printed indicia thereon identifying the customer; and the rear face having a first magnetic stripe and a second magnetic stripe with both magnetic stripes being read-only magnetic stripes and being disposed adjacent opposite edges of the transaction card. - View Dependent Claims (2, 3, 4)
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5. An indivisible transaction card comprising:
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a standard size and configuration conforming to regulations for a standard transaction card wherein the transaction card is an indivisible card readable by standard transaction card readers and includes a front face and a rear face; the front face having printed indicia thereon identifying the customer and numerical indicia identifying the account number of the customer, the account number having a selectable final digit to provide first and second permutations of the account number; and rear face having a first magnetic stripe associated with the first permutation and a second magnetic stripe associated with the second permutation, the magnetic stripes being read-only magnetic stripes and being disposed adjacent to opposite edges of the transaction card. - View Dependent Claims (6, 7, 8, 9)
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10. An indivisible transaction card comprising:
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a standard size and configuration conforming to VISA/MasterCard/American Express/Discover regulations for the transaction card wherein the transaction card is an indivisible card readable by standard transaction card readers and includes a front face and a rear face; the front face having printed indicia thereon identifying the customer and numerical indicia identifying first and second account numbers identified with the customer; and the rear face having a first magnetic stripe associated with the first account number and a second magnetic stripe associated with the second account number, the magnetic stripes being read-only magnetic stripes and being disposed opposite edges of the transaction card. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. An indivisible transaction card comprising:
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a standard size and configuration conforming to regulations for a standard transaction card wherein the transaction card is an indivisible card readable by standard transaction card readers and includes a first face and a second face; the first face being divided into only a first area and a second area; the second face being divided into only a third area and a fourth area; first indicia identifying an authorized user and/or account number of the transaction card, the first indicia occupying only one of the areas; second indicia identifying the authorized user and/or account number of the transaction card, the second indicia occupying one of the areas; a first read-only magnetic stripe associated with the first indicia and a first account, the first magnetic stripe occupying only an area not occupied by either indicia; and a second read-only magnetic stripe associated with the second indicia and a second account, the second magnetic stripe occupying only an area not occupied by either the first or second indicia or the first magnetic stripe, whereby the indivisible transaction card accesses two accounts associated with the same authorized user via a standard transaction card reader. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34)
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35. A system including standard retail transaction card readers with central information processors being connected thereto and a plurality of indivisible transaction cards readable by the standard retail transaction card readers, the system comprising:
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each indivisible transaction card having a first face and a second face and each indivisible transaction card being of standard size and configuration conforming to regulations for a standard transaction cards, wherein the transaction card is readable in an indivisible state by the standard transaction card readers; each first face being divided into a first area and a second area; each second face being divided into a third area and a fourth area; first indicia identifying an authorized user and/or account number of the transaction card, the first indicia occupying only one of the areas; second indicia identifying the authorized user and/or account number of the transaction card, the second indicia occupying one of the areas; a first read-only magnetic stripe associated with the first indicia and a first account, the first magnetic stripe occupying only one area not occupied by either indicia; a second read-only magnetic stripe associated with the second indicia and a second account, the second magnetic stripe occupying only an area not occupied by either the first and second indicia or the first magnetic stripe, whereby the indivisible transaction card accesses two accounts associated with the same authorized user; the standard retail transaction card readers or ATM bank card readers being connected to an invoice generating processor; and statements being generated by the invoice generating processor for each card, the statements having information corresponding to the first read-only data stripe and information corresponding with the second read-only data stripe. - View Dependent Claims (36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47)
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48. A system including standard retail transaction card readers with central information processors being connected thereto and a plurality of indivisible transaction cards readable by the standard retail transaction card readers, the system comprising:
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each indivisible transaction card having a front face and a rear face and each indivisible transaction card being of standard size and configuration conforming to regulations for a standard transaction cards, wherein the transaction card is readable in an indivisible state by the standard transaction card readers; the front face having printed indicia thereon identifying the customer; the rear face having a first magnetic stripe and a second magnetic stripe with both magnetic stripes being read-only magnetic stripes and being disposed adjacent opposite edges of the transaction card; the standard retail transaction card readers or ATM bank card readers being connected to an invoice generating processor; and statements being generated by the invoice generating processor for each card, the statements having information corresponding to the first read-only data stripe and information corresponding with the second read-only data stripe.
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49. A system including standard retail transaction card readers with central information processors being connected thereto and a plurality of indivisible transaction cards readable by the standard retail transaction card readers, the system comprising:
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each indivisible transaction card having a front face and a rear face and each indivisible transaction card being of standard size and configuration conforming to regulations for a standard transaction cards, wherein the transaction card is readable in an indivisible state by the standard transaction card readers; the front face having printed indicia thereon identifying the customer and numerical indicia identifying the account number of the customer, the account number having a selectable final digit to provide first and second permutations of the account number; a rear face having a first magnetic stripe associated with the first permutation and a second magnetic stripe associated with the second permutation, the magnetic stripes being read-only magnetic stripes and being disposed adjacent to opposite edges of the transaction card; the standard retail transaction card readers or ATM bank card readers being connected to an invoice generating processor; and statements being generated by the invoice generating processor for each card, the statements having information corresponding to the first read-only data stripe and information corresponding with the second read-only data stripe.
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50. A system including standard retail transaction card readers with central information processors being connected thereto and a plurality of indivisible transaction cards readable by the standard retail transaction card readers, the system comprising:
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each indivisible transaction card having a front face and a rear face and each indivisible transaction card being of standard size and configuration conforming to regulations for a standard transaction cards, wherein the transaction card is readable in an indivisible state by the standard transaction card readers; the front face having printed indicia thereon identifying the customer and numerical indicia identifying first and second account numbers identified with the customer; the rear face having a first magnetic stripe associated with the first account number and a second magnetic stripe associated with the second account number, the magnetic stripes being read-only magnetic stripes and being disposed adjacent to opposite edges of the transaction card; the standard retail transaction card readers or ATM bank card readers being connected to an invoice generating processor; and statements being generated by the invoice generating processor for each card, the statements having information corresponding to the first read-only data stripe and information corresponding with the second read-only data stripe. - View Dependent Claims (51, 52, 53)
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54. An indivisible transaction card comprising:
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a standard size and configuration conforming to regulations for a standard transaction card wherein the transaction card is an indivisible card readable by standard transaction card readers and includes a front face and a rear face; the front face having printed indicia thereon identifying the customer and numerical indicia identifying more than two account numbers of the customer; and the rear face having separate magnetic stripes associated with each account number, the magnetic stripes being read-only magnetic stripes disposed adjacent and extending parallel to edges of the transaction card. - View Dependent Claims (55)
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56. A system including standard retail transaction card readers with central information processors being connected thereto and a plurality of indivisible transaction cards readable by the standard retail transaction card readers, the system comprising:
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each indivisible transaction card having a front face and a rear face and each indivisible transaction card being of standard size and configuration conforming to regulations for a standard transaction cards, wherein the transaction card is readable in an indivisible state by the standard transaction card readers; the front face having printed indicia thereon identifying the customer and numerical indicia identifying more than two account numbers of the customer; the rear face having separate magnetic stripes associated with each account number, the magnetic stripes being read-only magnetic stripes disposed adjacent and extending parallel to edges of the standard retail transaction card readers of ATM bank card readers being connected to an invoice generating processor; and statements being generated by the invoice generating processor for each card, the statements having information corresponding to a first read-only data stripe and information corresponding with a second read-only data stripe;
information corresponding to the third read-only data stripe, and information corresponding to the fourth read-only data stripe. - View Dependent Claims (57)
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Specification