HOLDER FOR CREDIT CARDS

Abstract: Box-shaped holder for credit cards or similar products, provided with a front wall (10), two side walls (12, 14) perpendicular to the front wall, a bottom wall (16) which is perpendicular to the said side walls but makes an angle of less than 90 DEG with the front wall (10) and an essentially rectangular rear wall (18). The rear wall is able to hinge about a hinge (20) which runs parallel to the bottom wall in such a way that the top edge of the rear wall moves away from the top edge of the front wall, and vice versa. Furthermore, one section (22) of the rear wall (18) is able to hinge about a hinge (24) located in the rear wall, which hinge runs parallel to the bottom wall in such a way that that edge of the said section which faces the bottom wall moves towards the front wall, and vice versa. Furthermore, the holder comprises a spring (26) by means of which the said section (27) of the rear wall is pretensioned in the direction of the hinge movement described above.

Description: Brief title: Holder for credit cards The invention relates to a holder for credit cards and/or other cards or products which have essentially the same external dimensions with res- pect to one another. Holders for credit cards or other similar products are known per se in diverse forms from the prior art. A number of these known variants are shown in Figures 1A...1G. Figure 1A shows a slip case having a front wall, a rear wall, two side walls and a base, which slip case has been manufactured from a rela¬ tively hard and inflexible material. Only a few (usually one or two) credit cards fit in this slip case. If more credit cards have to be stored, sev¬ eral slip cases then have to be used and the total storage volume rapidly increases. Figure 1B shows a sleeve made of a relatively flexible material. The sleeve consists of an elongated web of material with a pocket in the vicin¬ ity of the opposing ends, it being possible to insert a credit card into each of said pockets. The sleeve is folded up about a centre line to pro¬ tect the cards. In this case also the drawback is that only a relatively small number of cards can be stored in this way, whilst, moreover, because of the use of the relatively limp material of the sleeve, little protection is provided against the cards bending (too far). Figure , C shows a holder in book form with each "page" of the book consisting of a pocket, frequently made of transparent material, it being possible to insert one credit card into each pocket from the side. Because a separate pocket is provided for each card, the total thickness of this container will be relatively large. Putting away or removing a card can sometimes prove somewhat awkward, certainly in warm weather. Moreover, it is fairly laborious to remove grains of sand or other harmful dirt which can collect in the pockets in the course of time and there can lead to damage to the cards. Figure 1D shows a solution in which the individual slip-in pockets have been comDined into a long strip which can be folded up m zigzag fashion. The disadvantages of this solution are the same as the those des- cπbed with reference to Figure 1C. Figure 1F shows a holder in book form in which the outside is made of hard plastic material. The cards are inserted in a harmonica configuration which unfolds when the outside wallε are unfolded. The hard outside walls in themselves offer good protection against bending of the cards. A disad¬ vantage of this holder is that the harmonica configuration takes up a rela¬ tively large amount of space and, moreover, the cost of the holder is sub¬ stantially increased. Figure 1G shows a holder in which the slip-in pockets are located mutually offset in a row one above the other. A solution of this type is widely used in wallets and the like. In general, holders of this type are relatively voluminous, certainly compared with the relatively restricted dimensions of the stack of credit cards which have to be stored in the holder. In general, wallets are made of plastic materials which contain plasticisers. However, these plasticisers, which gradually diffuse from the plastic material to the outside, can attack the material of the credit cards. The cards become brittle as a result and any information which is present on the card can easily be lost. The aim of the invention is, now, to provide a holder for credit cards or other flat products which are essentially of the same shape with respect to one another, which holder has small dimensions, is able to hold a relatively large number of credit cards but is also suitable for just one credit card and is made of a relatively hard material and with which it is possible rapidly and easily to select a single credit card from the credit cards present. In particular, the aim of the invention is to provide a holder which combines optimum ease of use with relatively low production costε, so that the holder is, from the commercial standpoint, suitable for a market segment in which the numbers to be produced are relatively large. These objectives are met by means of a holder for credit cards or similar products, comprising a box-shaped construction consisting of an essentially rectangular front wall two side walls perpendicular to the front wall a bottom wall which is perpendicular to the said side walls but makes an angle of less than 90° with the front wall an essentially rectangular rear wall which can hinge about a hinge which runs parallel to the bottom wall in such a way that, starting from a position in which the rear wall is parallel to the front wall, the top edge of the rear wall moves away from the top edge of the front wall, and vice versa, wherein part of the rear wall is able to hinge about a hinge located in the rear wall, which hinge runs parallel to the bottom wall in such a way that, starting from a position in which the said part is located in the plane of the rear wall, the edge of the said part which is facing the bottom wall moves towards the front wall, and vice versa, a spring with which the said hingeable part of the rear wall is pre- tensioned in the direction of the hinge movement described above. As a result of the sloping bottom wall, the cards are stored somewhat offset with respect to one another in the holder. The spring, which presses against the hingeable part of the rear wall, ensures that said hingeable part of the rear wall presses against the stack of cards, as a result of which said stack is permanently under pretension and clamped in the holder. This prevents, inter alia, the cards from rattling in the holder if the holder is only partially filled. Because the rear wall as a whole is able to hinge with respect to the front wall of the holder, cards can easily be pulled slightly outwards together with the rear wall, it being possible, by virtue of the pretensioning, rapidly and easily to leaf through the cards and thus to select the desired card. In order to prevent one or more cards on the top from being able to fall out, despite the spring tension by which the cards are retained, it is preferable that the holder is provided with a top wall which runs parallel to the bottom wall and extends between the top edges of front wall and rear wall and over only part of the gap between the two side walls. So as to retain the posεibility of eaεily leafing through the cards despite the presence of a top wall, it is preferable that the top wall takes up only part of the available space between the top edges of front wall, rear wall and side walls, the residual opening preferably being suf¬ ficiently large for the user's thumb easily to fit in this gap. In particu¬ lar, it is preferable that the residual opening is adjacent to one of the side walls, by which means the ease of use of the holder is promoted. It is preferable that the cards present in the holder have as little as possible mutual movement over one another, so as to prevent wearing of the cards. Holding the cards still is promoted by the fact that the inεide of the top wall iε provided with an uneven εurface. Preferably, the holder is constructed in such a way that the inside of the top wall is provided with a ribbed surface, preferably with ribs parallel to the edges of the front and rear walls. The effect obtained by these means is that the cards are not able to move up and down in the longitudinal direction when they are clamped in the holder. The surface ribs on the top wall prevent this. The hinge about which the rear wall is able to hinge can be arranged in diverse locations. For example, it is possible to manufacture the bottom wall and the rear wall in one piece and to fit a hinge on the transition between the bottom wall and the front wall. It is also possible to allow only part of the bottom wall to hinge with the rear wall and therefore to fit the hinge somewhere in the bottom wall. However, it is preferable that the hinge about which the rear wall is able to hinge is located on the transition between the front wall and the bottom wall. The part of the rear wall which is able to hinge with respect to the remaining part can be situated in an arbitrary position in the rear wall. For example, a positioning such that said part abuts one of the side edges or the bottom edge is conceivable. However, in connection with the robust¬ ness and stability, it is preferable that, in the position in which the said part is located in the plane of the rear wall, the said part of the rear wall is surrounded on all sides by the remainder of the rear wall. Nevertheless, in some cases it is preferable that, in the position in which the said part is located in the plane of the rear wall, the said part of the rear wall adjoins one of the side walls. The invention is explained in more detail below with reference to the appended figures. Figures 1A...1G show various embodiments of a credit card holder which are already known from the prior art. Figures 2A and 2B show two views of a holder according to the inven¬ tion. Figure 3 shows a cross-section along the line III-III in Figure 2A. Figure 4 shows a cross-section along the line IV-IV in Figure 2A and also indicates diagrammatically how "leafing" through the cards proceeds. Figure 5 shows a perspective view of one of the possibilities for using the holder according to the invention in practice, in particular while leafing through the cards stored in the holder. Every user will, incidentally, quickly develop his or her own "style" of use. Figure 2A shows a view of a holder according to the invention in which essentially the front wall, one of the side walls and the top wall are visible, whilst Figure 2B shows the holder rotated through 180°, essen¬ tially the rear wall, the bottom wall and the other side wall being vis- ible. The same reference numerals are used in both figures and these numerals also recur in Figures 3 and 4. In the figures the front wall is indicated by 10, the side walls are indicated by 12 and 14, the bottom wall is indicated by 16 and the rear wall is indicated by 18. In the embodiment shown it is assumed that the front wall 10 and the side walls 12 and 14 are joined to one another as a single whole. Furthermore, the bottom wall 16 and the rear wall 18 are joined to one another as a whole. The connection between the front wall 10 and the bottom wall 16 is formed by a hinge 20 which is located on the angled transition between the bottom wall 16 and the front wall 10. As can also be seen in Figure 2B, the rear wall 18 is provided with a section 22 which is attached via a hinge 24 to the remaining part of the rear wall 18. Said hinged section 22 is pressed inwards by a spring 26. Said spring 26 is essentially U-shaped although the connecting arm makes an angle with the two main arms of the U-shape. Said spring 26 clamps around the front wall 10, the rear wall 18 and the bottom wall 16 and therefore ensures t at the hingeable section 22 is under pretension. The holder is preferably also provided with a top wall 28, which at least is firmly joined to the front wall 10 and which extends over part of the space available for the top wall. The portion which is not taken up by the top wall offers a possibility for, as will be explained in more detail below, "leafing" through the stack of cards which can be stored in the holder. Figure 3 shows a cross-section along the line III-III in Figure 2A. It can be seen from Figure 3 how four cards 30, 32, 34, 36 are stored in the holder and are held in place by the movable section 22 of the rear wall 18, which section 22 presseε under pretension by the εpring 26 againεt the bottom card 36 of the stack and thus presεes the entire εtack againεt the front wall 10. It can also be seen from the figure that the length of the cards 30, 32, 34 and 36 essentially corresponds to the free space which is available between the bottom wall 16 and the top wall 28. Seen in Figure 3, the position where the hinged εection 22 of the bottom wall 18 preεses against the stack of cards is fairly far towards the left. The right-hand ends of the cards consequently have a certain freedom of movement and, in particular, the right-hand end of the bottom card 36 would be able to start to slide down along the top wall 28. In order to prevent this sliding move¬ ment, the inside of the top wall 28 is provided with a rough surface. In particular, ribs are arranged on the inner surface of the top wall 28, which ribs run parallel to the cards. By means of said ribs, a sliding movement of the cards over the inside of the top wall 28 is effectively prevented. Thiε risk does not exist at the bottom wall 16 and the inside of the bottom wall 16 can therefore be made smooth. Figure 4 shows a further crosε-section through the holder, in this case along the line IV-IV in Figure 2A. This figure also indicates diagram¬ matically the position of the holder during "leafing through" the stock of cards which are stored m the holder. As a supplement to this, Figure 5 shows a perspective view of an example of how the holder can be held by the user when leafing through. In this context it s pointed out that every user will rapidly develop his or her own "style of use" and that Figure 5 is therefore given solely by way of example. As can be seen from Figure 5, the holder as a whole is held in one hand 40 in such a way that in any event the front wall 10 and the two side walls 12 and 14 are clamped between the thumb and fingers of said hand 40. The rear wall 18 remains essentially free. The leafing movement is carried out using the other hand 42. To this end the thumb 44 is placed on the exposed top edges of the stack of cards in the holder m the manner shown in Figure 5. Said cards, which are lying at a slope on one another, are then pulled a little outward together with the rear wall 18. During this operation, the index finger 46 of the hand can press against the movable section 22 of the rear wall 18 and/or against the spring 26 and so exert an additional pretensioning force on said wall section 22. As a result there- of, the cards are under additional tension, which further facilitates leaf¬ ing through. If the thumb 44 is now gradually moved in the direction of the rear wall 18, the cards will spring back one by one to the position in which they were before the leafing movement. Figure 4 shows the situation where cards 30 and 32 have returned to their original position, whilst cards 34 and 36 are still being held by the thumb. At this point, lettering on card 34 can easily be read. Should said card 34 prove to be the desired card, said card can easily be removed from the holder by initially moving the thumb 44 somewhat inwards and holding it firm on the surface of the card 34 and then moving the thumb 44 outwards, the card 34 being taken with It will be clear that any desired card can be selected and removed from the holder in this way. In order to introduce cards into the holder it is necessary merely to pull the rear wall 18 together with the card (or cards) to be inserted in the holder sufficiently far outwards that there is adequate free space between the rear wall 18 and the top wall 28 to insert a card (or cards). If only the rear wall 18 is pulled outwards without pulling the cards, or at least some of the cards, present in the holder with it, the cards present in the holder will then remain presεed against the front wall as a consequence of the presεure which is exerted by the section 22, so that insertion of a new card is therefore not hindered. In order to facilitate insertion even further, it is preferable that the inner surface of the rear wall 18, including the inner surface of the movable section 22, is smooth or is optionally provided with a smooth coating, as a result of which insertion and extraction of cards is facilitated. However, it is alεo possible to insert a card in a specific position in the stack. To this end it is necessary to pull not only the rear wall 18 but also the stack of cards present in the holder outward using the thumb and/or the card to be inserted, in a similar way as in the case of the situation where the user wants to leaf through the stack of cards. By now leafing through the stack it is possible to determine the position where the card has to be inserted. As soon as this poεition lε reached, leafing through is stopped and the card is pushed inward into the free space which is now available. Because the cards in the stack are somewhat offset with respect to one another, there is, just as in the case of ordinary leafing through, an interplay of forces between said cards, which ensures that the front cardε remain pressed against the front wall 10 under the influence of spring 26 and the hingeable section 22 of the rear wall 18, whilst the cards which have to be behind the card to be inserted are pressed against the rear wall. The holder according to the invention is preferably manufactured by an injection moulding process. A preferred embodiment, in which all parts of the holder, with the exception of the spring 26, can be produced as a single injection-moulded component, is shown in Figures 6A and 6B. The injection-moulded component which is shown in Figure 6A comprises, on the left of the figure, the front wall 10, the top wall 28 and parts of the two side walls, indicated by 12a and 14a, all of which are rigidly joined to one another. On the right, the rear wall 18, the bottom wall 16 and the remaining parts of the two side walls, indicated by 12b and 14b, are rigid¬ ly joined to one another. The hinge, about which the rear wall 18 is able to hinge, is in this case located between the front wall 10 and the bottom wall 16. The hinge is constructed as a film hinge, that is to εay aε a thin wall section which has sufficient flexibility to be able to serve as a hinge. A hinge construction of this type is also used to attach the movable section 22 hingeably to the remaining section of the rear wall 18. The hinge 24 is thus also constructed as a film hinge. In Figure 6B the left hand side of the injection-moulded component has been folded over the right-hand side by means of the hinge 20, the wall sections 12a and 12b and, respectively, 14a and 14b coming to lie in the extension of one another. In order to complete the assembly, the spring 26 is then slid over the holder in order to be able to perform its function. As is shown in Figure 6B, it is preferable to make local cut-outs in the top wall 10, n the bottom wall 16 and m the rear wall 18, the dimen¬ sions of said cut-outs essentially corresponding to the dimensions of the arms of the spring 26. The effect achieved by this means is that the spring, in the use position, is essentially located withm the volume which is determined by the walls of the holder, so that the spring does not form a protruding part and the holder as a whole has as smooth as possible an outer surface. Furthermore, it is preferable to provide the two free ends of the arms of the spring 26 with fixing means by means of which the spring is held in place in the operational position. In Figures 3 and 4 the ends of the arms of the spring are, as an example, provided with curled edges, indicated in Figure 6B by 48a and 48b, which engage in corresponding cut¬ outs in the front wall 10 and, respectively, in the movable wall section 22. By this means the spring is secured in its position and detachment of the spring is prevented. It is also possible to make a hole in each of the arms of the spring, in which holes a protuberance on the front wall 10 and, respectively, rear wall 18 engages, so that the spring is secured. Other fixing means are possible and are asεumed to be known per se to a person skilled in the art. Aε is also shown in Figures 6A and 6B, the wall section 12a is pro- vided with a protruding ridge 50a and the wall section 12b is provided with a protruding ridge 50b. In the assembled state, which is shown in Figure 6B, said ridges 50a and 50b ensure that the movement of the rear wall 18 about the hinge 20 is limited. The rear wall 18 can be pulled out of the holder until the two ridges impinge on one another. Similar ridges with a similar function are arranged on the wall sections 14a and 14b, which ridges are designated as 52a and 52b in Figure 6A In the above the use of film hinges is indicated for the hinges 20 and 24. However, it will be clear to a person skilled in the art that other hinge constructionε can alεo be uεed without going beyond the εcope of the invention. However, the use of a film hinge construction in general leads to a relatively inexpensive manufacturing process. In the above, reference has been made by way of example to the use of the holder for storing cards, in particular credit cards. However, it will be clear that the holder can alεo be uεed for other products, such as smart cards, diskettes, busineεε cardε and the like. In principle the holder can be used for flat products of esεentially the same dimensionε. It has been indicated above that the construction of the holder can be made relatively inexpensive, in particular if use is made of injection- moulded components. However, the invention is not restricted to this. It will be clear that other techniques, sometimes involving higher production costs, can be used, for example in order to produce "more luxurious" embod¬ iments of the holder. No information has been given above with regard to the dimenεions and the positioning of the hingeable wall section 22 of the rear wall 18. In general there are also no special requirements in this regard. In connec¬ tion with the use of cardε on which a magnetisable strip is arranged, it can, however, be preferable to select the position and dimensions of the movable section 22 in εuch a way that said εection does not come into con¬ tact with the magnetisable strips in order to prevent damage to said strips. In connection with cardε in which or on which electronic chips are arranged, it can likewise be preferable to select the position and dimen¬ sions of the section 22 as advantageously as posεible.

Claims: CLAIMS 1. Holder for credit cards or similar productε, compriεing a box- shaped construction consiεting of - an essentially rectangular front wall two side walls perpendicular to the front wall a bottom wall which is perpendicular to the said side walls but makes an angle of less than 90° with the front wall an essentially rectangular rear wall which can hinge about a hinge which runs parallel to the bottom wall in such a way that, starting from a poεition in which the rear wall iε parallel to the front wall, the top edge of the rear wall moves away from the top edge of the front wall, and vice versa, wherein part of the rear wall is able to hinge about a hinge located in the rear wall, which hinge runs parallel to the bottom wall in such a way that, starting from a position in which the said part is located in the plane of the rear wall, the edge of the said part which is facing the bottom wall moves towards the front wall, and vice versa, - a spring with which the said hingeable part of the rear wall is pre¬ tensioned in the direction of the hinge movement described above. 2. Holder according to Claim 1 , characterised in that the holder is provided with a top wall which runs parallel to the bottom wall and extends between the top edges of front wall and rear wall and over only part of the gap between the two side walls. 3. Holder according to Claim 2, characterised in that the top wall conεistε of one piece which adjoinε one of the side walls so that part of the εpace between the top edges of top wall and bottom wall adjoining the other side wall remainε free. 4. Holder according to Claim 3, characterised in that the front wall iε provided with a cut-out which runε from that part of the top edge which does not adjoin the top wall. 5. Holder according to Claim 4, characterised in that a cut-out iε also made in the side edge which does not adjoin the top edge, said cut-out adjoining the cut-out in the top wall. 6. Holder according to Claim 3, 4 or 5, characterised in that the choice of which side wall the top wall must adjoin is dependent on whether the user of the holder iε left-handed or right-handed. 7. Holder according to one of the preceding Claimε 2-6, characterised in that the inside of the top wall is provided with an uneven surface. 8. Holder according to one of the preceding Claims 2-7, characterised in that the inside of the top wall is provided with a ribbed surface, pre¬ ferably with ribs parallel to the edges of front and rear wallε. 9. Holder according to one of the preceding claims, characterised in that the hinge about which the rear wall is able to hinge is located on the transition between the front wall and the bottom wall. 10. Holder according to one of the preceding claims, characterised in that the said hingeable section of the rear wall, in the position in which the said section iε located in the plane of the rear wall, is surrounded on all sides by the remainder of the rear wall. 11. Holder according to one of Claims 1 to 9, characterised in that the said hingeable section of the rear wall, in the position in which the said εection is located in the plane of the rear wall, adjoins one of the side walls. 12. Holder according to Claim 11, with reference to one of the pre¬ ceding Claims 3, 4 or 5, characterised in that the said section of the rear wall adjoinε the other εide wall. 13. Holder according to one of the preceding claims, characterised in that the inner surface of the bottom wall is provided with a smooth finish or is provided with a smooth coating. 14. Holder according to one of the preceding claims, characterised in that at leaεt part of the inner surface of the rear wall is provided with a smooth finish or is provided with a smooth coating. 15. Holder according to Claim 14, characterised in that the smooth surface extends between the top edge and the bottom edge of the rear wall. 16. Holder according to one of the preceding claims, characterised in that the top edge of the rear wall is chamfered such that the top edge makes an acute angle with the outer surface of the rear wall. 17. Holder according to one of the preceding claims, characterised in that the said angle between bottom wall and front wall has a value of between 10° and 80°. 18. Holder according to Claim 13, characterised in that the said angle is at least approximately equal to 30°. 19. Holder according to one of the preceding claims, characterised in that the spring is formed by a flat strip of resilient material which has been bent in an essentially U-shape and is slid from the underside over the holder in such a way that one arm of the U-shape rests against the front wall, the other arm of the U-shape restε against the said section of the rear wall and the connecting arm of the U-shape essentially bears against the bottom wall. 20. Holder according to Claim 19, characteπεed in that the connect¬ ing arm of the U-εhape makeε an angle with the two other arms of the U- shape such that, in the assembled state of the holder, the connecting arm runs parallel to the bottom wall. 21. Holder according to Claim 19 or 20, characterised in that those edges of the two arms of the U-shape which face away from the connecting arm are provided with fixing means which interact with corresponding fixing meanε on/in the front wall and, reεpectively, on/in the εaid hingeable section of the rear wall. 22. Holder according to one of the preceding claimε, characterised in that the holder, with the exception of the spring, is manufactured from a εingle injection-moulded part, the front wall and the top wall being firmly joined to one another, the rear wall and the bottom wall being firmly joined to one another, the rear wall being joined via a so-called film hinge to the bottom wall and the said hingeable section of the rear wall being joined via a film hinge to the remainder of the rear wall. 23. Holder according to one of the preceding Claims 1 to 21, characterised in that the holder, with the exception of the spring, is manufactured from two injection-moulded parts, the first injection-moulded part comprising at least the front wall and the top wall, which are firmly joined to one another, the second injection-moulded part comprising at least the rear wall and the bottom wall, which are firmly joined to one another, the relevant edges of bottom wall and front wall being formed in such a way that these are able to engage with one another with the forma¬ tion of a hinge, whilst the said hingeable section of the rear wall is also joined via a film hinge to the remainder of the rear wall. 24. Holder according to Claim 22 or 23, characterised in that each of the side walls is εubdivided into two parts, one part of which in each case is firmly joined to at least the front wall and the other part of which is joined to at least the rear wall and the adjoining edges of the two parts of each wall being shaped such that the deflection of the hinge movement of the rear wall is limited.

Inventors: VAN GEER RENE JOHAN, VAN GEER, RENE, JOHAN
Applicants: GEER RENE JOHAN VAN, VAN GEER, RENE, JOHAN
Application year: 1996
Main classification: A45C11
IPC codes: A45C11