Source: http://www.google.com/patents/US20040144846?dq=5,867,764
Timestamp: 2017-12-17 08:49:38
Document Index: 356930120

Matched Legal Cases: ['arts 252', 'art 252', 'art 252', 'art 252', 'art 252', 'art 252', 'art 252', 'arts 292', 'arts 292', 'art 292', 'art 292', 'art 292', 'arts 292', 'arts 292']

Patent US20040144846 - Compact or convenient transaction cards - Google Patents
Compact or convenient transaction cards comprising protective sleeves for full-sized and smaller-sized cards, cut lines and rotatable means for forming “fanned” cards, rollable cards, collapsible cards, cards having hinges or axes for rotating parts to form full-sized cards from smaller-sized cards,...http://www.google.com/patents/US20040144846?utm_source=gb-gplus-sharePatent US20040144846 - Compact or convenient transaction cards
Publication number US20040144846 A1
Application number US 10/436,343
Also published as US7124955, WO2004068309A2, WO2004068309A3
Publication number 10436343, 436343, US 2004/0144846 A1, US 2004/144846 A1, US 20040144846 A1, US 20040144846A1, US 2004144846 A1, US 2004144846A1, US-A1-20040144846, US-A1-2004144846, US2004/0144846A1, US2004/144846A1, US20040144846 A1, US20040144846A1, US2004144846 A1, US2004144846A1
Inventors Ellen Lasch, Lisa Webb, Priscilla Gandel
Original Assignee Ellen Lasch, Webb Lisa Ann Morrill, Priscilla Gandel
Patent Citations (57), Referenced by (59), Classifications (20), Legal Events (5)
US 20040144846 A1
a first section and a second section wherein said first section is connected to said second section via a rotatable element wherein said first section rotates with respect to said second section between a first position and a second position.
2. The transaction card of claim 1 wherein the exposed surface area of the transaction card is less when the first section is in the first position relative to the transaction card when the first section is in the second position.
3. The transaction card of claim 1 wherein the transaction card comprises a recordable medium for storing information relating to said transaction card.
4. The transaction card of claim 3 wherein the recordable medium is a magnetic stripe.
5. The transaction card of claim 3 wherein the recordable medium is a microchip.
6. The transaction card of claim 3 wherein at least a portion of the recordable medium is covered when the first section is in the first position.
7. The transaction card of claim 1 wherein the rotatable element comprises a hinge.
8. The transaction card of claim 1 further comprising:
an axle connecting the first section to the second section wherein the first section rotates relative to the second section via the axle.
9. The transaction card of claim 1 further comprising:
a hinge connecting the first section to the second section wherein the first section rotates relative to the second section via the hinge.
10. The transaction card of claim 1 wherein the surface area of the transaction card when the first section is in the second position is equivalent to a full-sized transaction card.
a third section rotatably connected to at least one of the first and second sections.
12. The transaction card of claim 11 wherein the third section is rotatably connected to both the first and second sections.
13. The transaction card of claim 12 wherein the first, second and third sections rotate with respect to one another via an axle.
14. The transaction card of claim 13 wherein the axle is disposed in a corner of the transaction card.
15. The transaction card of claim 11 wherein the third section rotates between a first position and a second position.
16. The transaction card of claim 8 wherein the axle is disposed perpendicular to the face of the transaction card.
17. The transaction card of claim 2 wherein the recordable means is fully protected when the first section is in the first position.
18. The transaction card of claim 1 further comprising an arm having a first end and a second end wherein the first end of the arm is rotatably attached to the first section and the second end of the arm is rotatably attached to the second section.
19. The transaction card of claim 18 wherein the first section is rotatable relative to the second section via rotation around the first end and second end of the arm.
20. The transaction card of claim 18 wherein the first section is rotatable around a first axis point on the first end of the arm, and the second section is rotatable around a second axis point on the second end of the arm.
21. A transaction card system comprising:
a transaction card having a recordable medium thereon for storing information relating to the transaction card; and,
a housing wherein said transaction card is slidably disposed within the housing.
22. The transaction card system of claim 21 wherein the housing covers the recordable medium.
23. The transaction card system of claim 21 wherein the recordable medium is a magnetic stripe.
24. The transaction card system of claim 21 wherein the recordable medium is a microchip.
25. The transaction card system of claim 21 wherein the recordable medium is exposed when the transaction card is at least partially removed from the housing.
26. The transaction card system of claim 21 wherein the transaction card slides between a first position and a second position.
27. The transaction card system of claim 26 wherein the recordable medium is protected by the housing when the transaction card is at the first position.
28. The transaction card system of claim 26 wherein the transaction card and housing are a first size when the transaction card is at the first position and further wherein the transaction card and housing are a second size when the transaction card is at the second position.
29. The transaction card system of claim 21 wherein the transaction card is usable when the transaction card is completely removed from the housing.
30. The transaction card system of claim 21 wherein the housing comprises an aperture thereby exposing a portion of said transaction card for moving said transaction card out of said housing.
31. The transaction card system of claim 21 wherein the housing comprises a light.
32. The transaction card system of claim 31 wherein said housing further comprises a switch for illuminating the light.
33. The transaction card system of claim 21 wherein the housing comprises a sound emitter for emitting an audible signal.
34. The transaction card system of claim 21 further comprising:
means for holding the transaction card within the housing.
35. The transaction card system of claim 34 wherein the means comprises a snap for engaging with the transaction card to hold the transaction card within the housing.
36. A transaction card comprising:
a main card portion made from a flexible material; and
a frame disposed around said main card portion, wherein the frame is collapsible.
37. The transaction card of claim 36 wherein the frame further comprises edge portions wherein an edge portion is rotatably attached to an adjacent edge portion.
38. The transaction card of claim 37 wherein at least one edge portion of the frame comprises a hinge at a location between the ends of the edge portion.
39. The transaction card of claim 36 wherein the main card portion is made of fabric.
40. The transaction card of claim 36 further comprising:
a recordable medium disposed on the main card portion of the transaction card.
41. The transaction card of claim 40 wherein the recordable medium is a magnetic stripe.
42. The transaction card of claim 41 wherein the recordable medium is a microchip.
43. A transaction card comprising:
a main card portion wherein said main card portion is flexible and is rollable into a tube.
44. The transaction card of claim 43 further comprising:
45. The transaction card of claim 43 further comprising:
46. The transaction card of claim 45 wherein said recordable medium comprises a magnetic stripe.
47. The transaction card of claim 44 further comprising:
48. The transaction card of claim 44 wherein said recordable medium is a magnetic stripe disposed longitudinally across the face of said transaction card.
49. The transaction card of claim 48 wherein said plurality of score lines are not disposed across the surface of said magnetic stripe.
50. The transaction card of claim 47 wherein the recordable medium is a microchip.
FIGS. 1A-1C illustrate a transaction card that is transversely foldable and having apertures for securing a ring or a chain thereto.
FIGS. 2A-2C illustrate another example of a transaction card.
FIGS. 3A-3D illustrate another example of a transaction card.
FIGS. 4A-4B illustrate a foldable transaction card that is foldable along a longitudinally-disposed fold line.
FIGS. 5A-5B illustrate a foldable transaction card that is foldable along a transversely-disposed fold line.
FIGS. 6A-6B illustrate a foldable transaction card and a method of using the same comprising at least two fold lines disposed parallel to each other and further disposed diagonal relative to the side of said transaction cards that is usable in a card reader.
FIGS. 7A-7B illustrate a foldable transaction card comprising at least two fold lines disposed perpendicular to each other and to respective sides of said transaction card.
FIGS. 8A-8B illustrate a still further example of a transaction card having at least two fold lines therein longitudinally disposed in said transaction card for folding said transaction card into three or more sections.
FIGS. 9A-9B illustrate an example of a foldable transaction card having a clip for holding the transaction card in a folded position.
[0021]FIG. 10 illustrates a further example of a transaction card contained within and slidable within a housing.
[0022]FIG. 11 illustrates a transaction card contained within and slidable from a housing.
[0023]FIGS. 12A and 12B illustrate an alternate example of a transaction card contained within and slidable from a housing.
[0024]FIGS. 13A and 13B illustrate an alternate example of a transaction card contained within and slidable from a housing, wherein the card is ejected from the housing via a clip, snap or button.
[0025]FIG. 14 illustrates an alternate example of a transaction card contained within a housing disposed on the wrist of a user of the transaction card.
FIGS. 15A-15B illustrate a still further example of a transaction card having separable sections connected on an axle.
FIGS. 16A-16B illustrate an alternate example of a transaction card having a plurality of scores within the transaction card for rolling the transaction card.
FIGS. 17A-17B illustrate a further alternate example of a transaction card that is rollable without cut lines disposed therein.
FIGS. 18A-18B illustrate another example of a transaction card having a collapsible frame for collapsing the transaction card.
FIGS. 19A-19C illustrate a still further example of a transaction card having separable sections connected by a rotatable arm.
[0031]FIG. 20 illustrates an alternate example of a transaction card contained within a housing that is slidably removable from the housing.
[0032]FIG. 21 illustrates an example of a transaction card having a housing disposed thereon with a light and/or sound emitting device.
FIGS. 22A-22B illustrate an alternate example of a transaction card having a housing disposed thereon and a light within the housing.
FIGS. 23A-23C illustrate an alternate example of a transaction card having separable sections attached to each other and rotatable around an axle.
Referring now to FIGS. 1A-1C, a first example is illustrated. FIGS. 1A-1C illustrates a foldable transaction card 10, shown generically as merely having a magnetic stripe 12. Other features not shown, however, may be provided on the transaction card, such as, for example, a signature panel, an embedded microchip, a holographic image, or the like. These features may allow the transaction card to function more easily, efficiently, and/or more securely.
The magnetic stripe 12 may contain a material for storing information that may be read by a magnetic stripe reader. Typically, the magnetic stripe 12 contains a series of digits that the magnetic card reader can utilize to obtain information about the account that the transaction card is associated with, or otherwise to obtain information relating to the amount of money or other equivalent good or service represented by the transaction card 10. The magnetic stripe 12 of the present embodiment is split into two halves because of the fold line 14 that bisects the magnetic stripe 12. Therefore, the information contained on the magnetic stripe 12 must be readable by a magnetic card reader, accounting for the fold line 14. Typically, this means that some or all of the information may be contained on a first section 16 of the magnetic stripe 12, and the rest or a duplicate of the information may be contained on a second section 18 of the magnetic stripe 12. Therefore, the information contained on the magnetic stripe 12 may be readable by the magnetic stripe reader. Alternatively, the magnetic stripe may be provided in parallel with one of the short ends of the transaction card, as illustrated in FIGS. 2A-2C, below.
Provided in the transaction card 10 may be a plurality of apertures 20, 22, 24 and 26 that may be utilized to attach the transaction card 10 to a securing means, such as a ring 28, as illustrated in FIGS. 1A-1C. Of course, any other securing means, such as a chain or string, for example, may be utilized and the present invention should not be limited as herein described. The securing means can be provided in any of the apertures as needed. Aperture 20 may include a channel 28 that allows a securing means to be slipped into the aperture 20. For example, as illustrated in FIG. 1C, the ring 28 may be provided within the aperture 26, but may also fit within the aperture 20 through the channel 28 so that the transaction card may stay folded. Alternatively, the ring 28 may be provided through one or both of the apertures 22, 24. If the ring 28 is provided through both of the apertures 22 and 24, the ring 28 may be configured in such a way as to allow the transaction card 10 to be unfolded when used.
FIGS. 2A-2C illustrate another example of a foldable transaction card 50 having a magnetic stripe 52 that is parallel to a short side of the transaction card 50. The transaction card 50 may be very similar to the transaction card 10, as described above and may have a fold line 54 that divides the transaction card into two halves. Of course, more than one fold line may be provided in the transaction card 50 for dividing the card into more than just two halves, as herein described. The transaction card may further have a plurality of holes 56 provided along the fold line 54 thereby giving the transaction card 50 a distinctive appearance, and further aiding in allowing the transaction card 50 to be folded along the fold line 54.
FIGS. 3A-3D illustrate another example of a transaction card 100 having similar features to the transaction card 10 of FIGS. 1A-1C. For example, the transaction card 100 includes a magnetic stripe 102 and a fold line 104 allowing the transaction card 100 to be folded, thereby making the transaction card smaller and more compact. Each half of the transaction card 100 may include a slit 110 connecting two apertures 112 and 114. A ring 116, or other securing means, may be provided through the apertures 112 such that, when folded, as illustrated in FIGS. 3B-3D, the ring 116 may translate through the slit 110 to rest in the aperture 114, thereby keeping the two halves of the transaction card 100 together when folded. If the transaction card 100 is to be opened, the ring 116 is merely translated back to the apertures 112 and the transaction card 100 is unfolded.
FIGS. 8A-8B illustrate another example of a foldable transaction card 160 having a magnetic stripe 161 and two fold lines 162, 164 that are disposed longitudinally, but subdivide the transaction card 160 into three sections: two outer sections 163, 165 and a central section 167. The fold lines 162, 164 allow the transaction card 160 to be folded twice to form a folded transaction card 166 that protects the magnetic stripe. The folded transaction card 166 may be folded as shown in FIG. 8B, which shows the transaction card 160 such that the outer sections 163, 165 of the transaction card 160 are folded inwardly on opposite sides of the central section 167. Alternatively, the transaction card 160 may be folded such that the outer sections 163, 165 of the transaction card 160 are folded inwardly on the same side of the central section 167.
FIGS. 9A-9B illustrate another example of a folded transaction card 170 having a fold line 172 and a spring-loaded clip 174 that may maintain the folded transaction card 170 in a folded state. By releasing the spring-loaded clip 174, the folded transaction card 170 may unfold along fold line 172 to form an unfolded transaction card 176 having a visible magnetic stripe 171, as illustrated in FIG. 9B.
In another example, a transaction card, similar to the cards described above with respect to FIGS. 1A-9B, may have a fold line disposed between at least first and second sections. Further, the transaction card may have a snap, button or other mechanism (collectively a “snap”) which may hold the folded transaction card in a first engaged or locked position. The transaction card may not be usably accessible when the snap is in the engaged position. When the snap is actuated, the snap disengages or unlocks and the second section of the convenience card unfolds into an “unfolded position”. The fold line may be disposed either longitudinally or transversely across the face of the transaction card.
[0054]FIG. 10 illustrates another example of a full-sized transaction card 180 disposed within a sleeve 182 having an aperture 184 that allows an individual's thumb, or other digit, to push on the transaction card 180 to slidably move the transaction card 180 from the sleeve 182, thereby exposing a magnetic stripe 181 to be read by a magnetic stripe reader. The transaction card 180 may be partially or completely removed from the sleeve 182.
[0055]FIG. 11 illustrates another example of a transaction card 190 that is smaller in width than a normal transaction card and is disposed within a sleeve 192 having an aperture 194 for pushing the transaction card 190 from the sleeve 192, thereby exposing a magnetic stripe 191. When pushed fully from the sleeve 192, the transaction card 190 and sleeve 192 may be as large as a normal-sized transaction card (i.e., a transaction card of the dimensions according to the standard), thereby allowing the magnetic stripe 191 to be fed into and read by automatic teller machines.
[0056]FIGS. 12A and 12B illustrate another example of a transaction card system 195 having a housing 196 having a portion of a transaction card 197 contained therein. The transaction card 197 may be slidable from the housing 196 because of an area 198 in the housing that provides a gripping area for the transaction card 197 to grip the transaction card and slide the transaction card 197 from the housing 196, as illustrated in FIG. 12B. Once slid from the housing 196, the transaction card system 195 has roughly the same dimensions as a full-sized transaction card. Therefore, the transaction card system can be utilized as a full-sized transaction card in point-of-sale transaction card reading machines, such as automatic teller machines (ATMs).
[0061]FIG. 14 illustrates another example of a transaction card 200 having a magnetic stripe 201 wherein the transaction card 200 may be disposed within a sleeve 202 that may be carried on a person's wrist or the like. The transaction card 200 may be flexible, so as to curve with the sleeve 202 when wrapped around a person's wrist. In addition, the transaction card 200 may be slidable within the sleeve 202 so as to be pushed completely within the sleeve 202 or pulled out of the sleeve 202, thereby exposing the magnetic stripe 201. Alternatively, the transaction card may be foldable so as to fit within the sleeve 202.
FIGS. 15A-15B illustrate another example of a transaction card 210 having a magnetic stripe 211 and cut lines 202, 204 disposed from a corner of the transaction card 200 to opposite sides of the transaction card 200, thereby forming three separate pieces 206 a, 206 b and 206 c of the transaction card 200. Each of the pieces 206 a, 206 b, 206 c may be connected at the corner of the transaction card on an axis via a button, disk, axle or other rotatable means 207. The pieces 206 a and 206 c may be rotatable toward piece 206 b to formed a closed transaction card 208 that may substantially protect the magnetic strip 211, as illustrated in FIG. 15B. In addition, the closed transaction card 208 may be opened by rotating the pieces 206 a and 206 c away from the piece 206 b.
FIGS. 16A-16B illustrate another example of a transaction card 220 having a magnetic stripe 221, an aperture 224 for clipping the transaction card to a keychain or the like, and a plurality of fold or score lines 222 transversely disposed along the transaction card 220. The magnetic stripe 221 may be free of the fold lines 222 to maintain a complete and uninterrupted magnetic stripe for readability purposes of the magnetic stripe when swiped. The transaction card 220 may be rolled by slightly folding each of the fold lines 222 to form a rolled transaction card 226, as illustrated in FIG. 16B.
FIGS. 17A-17B illustrate another example of a transaction card 230 that may have no score lines or fold lines, as described above with respect to FIGS. 16A-16B, but may be sufficiently flexible so as to be rollable. For example, the transaction card 230 may be sufficiently thin so as to be rollable, such that the transaction card may go from a rolled state, as illustrated in FIG. 15A, to an unrolled state, as illustrated in FIG. 17B.
FIGS. 18A-18B illustrate another example of a transaction card 240 having a magnetic stripe 241. The transaction card 240 may be made from a fabric or other like material, so as to be bendable, foldable or otherwise flexible. A frame 242 having hinges 245 disposed in the corners of the frame 242 may be disposed around a periphery of the transaction card 240 to provide rigidity to the transaction card 240 and keep the transaction card 240 open in a full-sized state. One or more sides of the frame 242 may have slits and/or hinges 246 disposed therein such that the frame 242 may be collapsible to form a collapsed transaction card 248, as illustrated in FIG. 18B.
FIGS. 19A-19C illustrate another example of a shortened transaction card 250 having a magnetic stripe 251. The shortened transaction card 250 is subdivided into two parts 252 a, 252 b that are interconnected via a rotatable arm 254. The part 252 b may be swung around from a first side 253 of the part 252 a via the rotatable arm 254, as illustrated in FIG. 19B, and disposed on a second side 255 of the part 252 a, thereby exposing the magnetic stripe 251 and forming a full-sized or otherwise larger transaction card 256. When the part 252 b is disposed on the first side 253 of the part 252 a, the magnetic stripe 251 may be hidden by the part 252, thereby protecting the magnetic stripe 251.
[0067]FIG. 20 illustrates another example of the present invention of a transaction card holder 260 that may be configured to hold a transaction card 262 therein. The transaction card holder 260 may be formed of a rigid material, such as metal or plastic, such that the transaction card 262 may be protected when disposed therein. An aperture 264 may be disposed on the transaction card holder 260 for clipping the transaction card holder 260 to a keychain or the like. The transaction card 262 may be slidable from the transaction card holder 260.
[0068]FIGS. 21 and 22A and 22B illustrate two more examples of transaction cards 270, 280, respectively. FIG. 21 illustrates a transaction card 270 having a housing 272 disposed on a side of the transaction card 270. Preferably, the housing is disposed to allow a magnetic stripe 271 to be accessible. The housing contains a light 274 and a switch or button 276 for activating the light 274. FIG. 22A illustrates a similar embodiment as that shown in FIG. 21, of a transaction card 280 having a housing 282 that is disposed on substantially an entire half of the transaction card 280, except for a magnetic stripe 281. The housing may have a light 284 and a button 286 for activating the light 284 for use as a flashlight, as illustrated in FIG. 22B. Alternatively, the lights 274, 284 may be on at all times, or only when in a darkened place to allow the transaction cards 270, 280 to be easily locatable, such as in a purse or bag. Alternatively, the housing and/or the transaction card may include a fluorescent material so as to be easily visibly locatable, such as when disposed within a purse or bag. Alternatively, the housing may also have a speaker or other sound emitting device (not shown) for signaling such that the transaction card 270 or 280 may be locatable if lost. In addition, the speaker or other sound emitting device may also emit an alarm that may be activated by an individual.
FIGS. 23A-23C illustrate another example of a transaction card 290 that may be subdivided into two parts 292 a, 292 b. A magnetic stripe 291 may be disposed on the transaction card, such as on one of the parts 292 a or 292 b. The part 292 a may be interconnected to the part 292 b via a rotatable axis 294 that may allow the part 292 b to rotate, as illustrated in FIG. 23B, such that the faces of the parts 292 a, 292 b are disposed adjacently to form a closed transaction card 296, as illustrated in FIG. 23C. This allows the transaction card 290 to be of a smaller size until needed. When rotated to form the closed transaction card 296, such that the faces of the parts 292 a, 292 b are adjacent, the magnetic stripe 291 may be protected.
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U.S. Classification 235/487
International Classification G06K19/06, A45C15/06, A45C11/18, G06K19/02, A45C11/32, G06K19/04
Cooperative Classification G06K19/02, A45C15/06, G06K19/0719, G06K19/041, A45C11/182, A45C11/328, A45C11/324, G06K19/06196
European Classification G06K19/07G, G06K19/06M2, G06K19/02, G06K19/04K, A45C11/18C
Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNORS:LASCH, ELLEN;WEBB, LISA ANN MORRILL;GANDEL, PRISCILLA;REEL/FRAME:014528/0531;SIGNING DATES FROM 20030630 TO 20030715