Transparent transaction device

• US 7,070,112 B2
• Filed: 03/10/2004
• Issued: 07/04/2006
• Est. Priority Date: 09/07/1999
• Status: Expired due to Term

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Isenberg, Susan E., Vander Eyk, Becky, Williamson, John R., Bonalle, David S., Webb, Lisa, Beenau, Blayn W., Skilling-Belmond, Lisa, Saunders, Peter D., Peart, Lee J., Norcross, Zarita, Mueller, Sue, Malnati, Leigh
• Primary Examiner(s): Stcyr, Daniel
• Assistant Examiner(s): Hess, Daniel A.
• Application Number:
  US10/708,548
• Publication Number:
  US 20050040242A1
• Time in Patent Office: 846 Days
• Field of Search: 235/487, 235/468, 235/380, 235/445, 235/482, 235/488
• US Class Current: 235/488
• CPC Class Codes: G06K 19/02 characterised by the selection of materials, e.g. to avoid wear during transport through the machine
• CPC Class Codes: G06K 19/0723 the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
• CPC Class Codes: G06K 19/077 Constructional details, e.g. mounting of circuits in the carrier
• CPC Class Codes: G06K 19/08 using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means
• CPC Class Codes: G06K 19/16 the marking being a hologram or diffraction grating
• CPC Class Codes: G06K 7/0008 General problems related to the reading of electronic memory record carriers, independent of its reading method, e.g. power transfer
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G07C 9/28 the pass enabling tracking or indicating presence
• CPC Class Codes: G07C 9/29 the pass containing active electronic elements, e.g. smartcards
• CPC Class Codes: G07F 7/086 by passive credit-cards adapted therefor, e.g. constructive particularities to avoid counterfeiting, e.g. by inclusion of a physical or chemical security-layer for security documents G07D7/00; for the reading of record-carriers in general G06K7/00; for the design of coded credit-cards G06K19/10
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 2209/805 Lightweight hardware, e.g. radio-frequency identification [RFID] or sensor
• CPC Class Codes: H04L 9/32 including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
• CPC Class Codes: H04L 9/3231 Biological data, e.g. fingerprint, voice or retina network architectures or network communication protocols for supporting authentication of entities using biometrical features in a packet data network H04L63/0861
• CPC Class Codes: H04L 9/3273 for mutual authentication network architectures or network communication protocols for achieving mutual authentication in a packet data network H04L63/0869
• CPC Class Codes: Y04S 40/20 Information technology specific aspects, e.g. CAD, simulation, modelling, system security

Abstract

The present invention relates to a process for producing an transparent or translucent transaction device having multiple features, such as a holographic foil, integrated circuit chip, RFID circuitry, silver magnetic stripe with text on the magnetic stripe, opacity gradient, an invisible optically recognizable compound, a translucent signature field such that the RFID circuitry and signature on back of the device is visible through the device body. The invisible optically recognizable compound is an infrared ink and/or film, which can be detected by a sensor found in an ATM or device manufacturing assembly line.

Claims

1. A translucent or transparent transaction device comprising:

a. at least one of a translucent and transparent device layer;

b. a machine recognizable compound substantially covering said device layer; and

c. a transponder system positioned within said device layer, said transponder system operable to receive a first RF interrogation signal, authenticate said first RF interrogation signal, and transmit a transponder system account data, said transponder system comprising;

i. a first transponder responsive to said RF interrogation signal;

ii. a transponder system authentication circuit in communication with said first transponder; and

iii. a transponder system database in communication with said first transponder.

2. The transaction device of claim 1, wherein said machine recognizable compound is extrusion coated to said device layer.

3. The transaction device of claim 2, wherein said transponder system comprises a transponder system antenna operable to receive said RF interrogation signal.

4. The transaction device of claim 3, wherein said transponder system antenna is disposed between said machine recognizable compound and said device layer.

5. The transaction device of claim 1, wherein said device layer comprises a plurality of perforations.

6. The transaction device of claim 5, wherein said plurality of perforations forms a pattern in said device layer.

7. The transaction device of claim 5, further comprising a subassembly of film layers, wherein said plurality of perforations extend through said subassembly of film layers.

8. The transaction device of claim 7, wherein said subassembly includes said transponder system, said transponder system comprising a transponder system antenna disposed between at least one of said machine recognizable compound and said device layer, said second layer and said device layer, and said machine recognizable compound and said second layer.

9. The transaction device of claim 1, comprising:

a. a second transponder system positioned within said device layer, said second transponder system operable to receive a second RF interrogation signal, authenticate the second RF interrogation signal, and transmit the transponder system account data, said second transponder system comprising;

i. a second transponder responsive to said second RF interrogation signal;

ii. a second transponder system authentication circuit in communication with at least one of said first transponder and said second transponder; and

iii. a second transponder system database in communication with said second transponder system authentication circuit.

10. The transaction device of claim 9, wherein said transponder system includes a transponder system protocol/sequence controller in communication with at least one of said first transponder, said second transponder, said transponder system authentication circuit, and said transponder system database, said transponder system protocol/sequence controller configured to control the order of operation of said first transponder, said second transponder, said transponder system authentication circuit, and said transponder system database.

11. The transaction device of claim 10, wherein said transponder system comprises at least one of a first transponder system antenna and a second transponder system antenna, said first transponder system antenna configured to receive said first RF interrogation signal, and said second transponder system antenna configured to receive said second RF interrogation signal.

12. The transaction device of claim 11, wherein at least one of said first transponder system antenna and said second transponder system antenna is disposed between one of said machine recognizable compound and said device layer.

13. The transaction device of claim 10, wherein said transponder system protocol/sequence controller is responsive to at least one of said first RF interrogation signal and said second RF interrogation signal, said transponder protocol/sequence controller controlling the sequence of operation at least one of said transponder system authentication circuit, and said transponder system database, in response to at least one of said first RF interrogation signal and said second RF interrogation signal.

14. The transaction device of claim 13, wherein said transponder system protocol/sequence controller is configured to activate said transponder system authentication circuit in response to said first RF interrogation signal, said transponder system authenticating circuit configured to provide an encrypted RF interrogation signal, said transponder system authentication circuit configured to provide said encrypted RF interrogation signal to said first transponder for providing to a RFID reader.

15. The transaction device of claim 1, wherein said device layer comprises a plurality of layers, in which a first layer comprises a first polymer and a second layer comprises a second polymer.

16. The transaction device of claim 15, wherein said transponder system comprises a transponder system antenna operable to receive said interrogation signal.

17. The transaction device of claim 16, wherein said transponder system antenna is disposed between at least two of said plurality of layers.

18. The transaction device of claim 1, wherein said machine recognizable compound includes at least one of a chemical, solution, dye, layered material, pigment, encapsulated pigment, coating, film, thread, plastic, ink, concentrate, thermoplastic matrix, thermoset matrix, fiber, paper, and planchette.

19. The transaction device of claim 1, wherein said machine recognizable compound includes at least one of invisible, visible and colored compounds.

20. The transaction device of claim 1, wherein said machine recognizable compound includes an infrared ink.

21. The transaction device of claim 1, wherein said machine recognizable compound includes an infrared ink comprising in the range of about 0.001 to 40.0 wt.(%) of an infrared activated material.

22. The transaction device of claim 1, wherein said machine recognizable compound includes an optically recognizable compound.

23. The transaction device of claim 1, wherein said machine recognizable compound is configured to at least one of block, diffuse, reflect, refract and absorb infrared light.

24. The transaction device of claim 1, wherein said machine recognizable compound includes at least one of a binder, UV absorber, reflector, antioxidant, optical brightener, color shifter, chemical configured to improve processing, and chemical configured to adjust rheological properties.

25. The transaction device of claim 1, wherein said machine recognizable compound includes:

about 2% by weight of a near infrared dye and about 98% by weight of a solvent evaporative screen ink.

26. The transaction device of claim 1, wherein said machine recognizable compound includes:

about 1.5% by weight of a near infrared monovalent ammonium dye, about 96.5% by weight of a solvent evaporative screen ink, and about 2% by weight of a near infrared nickel dithiolene dye.

27. The transaction device of claim 1, wherein said machine recognizable compound includes:

about 0.04% by weight of a near infrared dye, about 0.96% by weight of polyvinylchloride plastic, and about 99% by weight of PVC.

28. The transaction device of claim 1, wherein said machine recognizable compound includes PET plastic.

29. The transaction device of claim 1, wherein said machine recognizable compound includes:

about 80% by weight of a solvent evaporative screen ink, about 7% by weight of VMCA resin, about 10% by weight of cyclohexanone, and about 3% by weight of a near infrared dye.

30. The transaction device of claim 1, wherein said machine recognizable compound includes:

about 55% by weight of vinyl VMCA resin, about 35% by weight of EEP solvent, about 5% by weight of cyclohexanone, about 3% by weight of a near infrared monovalent ammonium dye, and 2% by weight of a near infrared nickel dithiolene dye.

31. The transaction device of claim 1, wherein said machine recognizable compound includes:

about 90% by weight of a solvent evaporative screen ink, about 3% by weight of cyclohexanone, about 3% by weight of a near infrared monovalent ammonium dye, about 2% by weight of a near infrared nickel dithiolene dye, and about 2% by weight of a phthalocyanine dye.

32. The transaction device of claim 1, comprising a second transponder responsive to a second RF interrogation signal, said first RF interrogation signal different from said second RF interrogation signal.

33. The transaction device of claim 1, wherein said transponder system database is operable to store at least one of a transponder system identification data, a RFID reader decryption security key, and a transponder system account data.

34. The transaction device of claim 33, wherein said transponder system database is configured to provide said RFID reader decryption security key to said transponder system authentication circuit in response to a encrypted authentication code.

35. The transaction device of claim 1, wherein said transponder system includes an internal power source.

36. The transaction device of claim 35, wherein said transponder system includes a biometric circuit, said biometric circuit in communication with said internal power source.

37. The transaction device of claim 36, wherein said biometric circuit is configured to provide a biometric data verification response, said biometric circuit configured to provide said biometric data verification response to at least one of said RFID reader and a merchant system, wherein said biometric data verification response is an identification verification data.

38. A translucent or transparent transaction device comprising:

a. at least one of a translucent and transparent device layer;

b. a machine recognizable compound substantially covering said device layer;

c. at least one of a holographic foil, an integrated circuit chip, a magnetic stripe, an opacity gradient, embossed characters, signature field, and text and logo; and

,

d. a transponder system including RFID circuitry operable to receive a first RF interrogation signal, and to authenticate said first RF interrogation signal, said transponder system comprising a first transponder responsive to said first RF interrogation signal.

39. The transaction device of claim 38, wherein said machine recognizable compound includes at least one of a coating, film, thread, plastic, ink, fiber, paper, and planchette.

40. A process for fabricating a transparent transaction device at least a portion of which is substantially transmissive to visible light, comprising:

a. placing machine recognizable compound between at least two layers of PET IR forming a subassembly, wherein the machine recognizable compound substantially covers the layers;

b. placing the subassembly between at least two layers of polyvinylchloride; and

c. placing RFID circuitry between at least one layer of the polyvinylchloride and at least one layer of the subassembly.

41. A process for fabricating a transparent transaction device comprising a plurality of layers of PET GS, the method comprising:

placing infrared blocking film between two layers of PET GS; and

incorporating RFID circuitry between the two layers,

wherein the infrared blocking film is substantially coextensive with the two layers.

42. The process of claim 41 comprising chemical deposition by at least one of vacuum coating, solar coating and Magnetron sputtering, providing a laminate, and providing a core layer and adhering the layers of the device with adhesive.

43. A transaction device at least a portion of which is substantially transmissive to visible light, comprising:

a. at least one of a translucent and transparent device layer

b. a machine recognizable compound substantially covering said device layer, wherein said machine recognizable compound is substantially transmissive to visible light; and

c. RFID circuitry positioned within said device layer, said RFID circuitry including a transponder responsive to a first interrogation signal.

44. A transaction device at least a portion of which is substantially transmissive to visible light, comprising:

a. at least one of a translucent and transparent device layer;

b. at least one of a holographic foil, an integrated circuit chip, a magnetic stripe, an opacity gradient, embossed characters, signature field, text and logo;

c. a machine recognizable compound substantially covering said device layer, wherein said machine recognizable compound is substantially transmissive to visible light; and

d. RFID circuitry positioned within said device layer, said RFID circuitry including a transponder responsive to a first interrogation signal.

45. A process for fabricating a transparent transaction device at least a portion of which is substantially transmissive to visible light, comprising:

a. placing machine recognizable compound between at least two layers of PET IR forming a subassembly, wherein the machine recognizable compound substantially covers the layers; and

b. placing RFID circuitry between at least one layer of the PET and the machine recognizable compound.