Source: http://www.google.es/patents/US20050040242
Timestamp: 2017-11-24 20:07:27
Document Index: 782950218

Matched Legal Cases: ['Application No. 60', 'Application No. 60', 'Application No. 60', 'Application No. 60', 'Application No. 60', 'Application No. 60', 'Application No. 60', 'Application No. 60', 'Application No. 60']

Patente US20050040242 - A transparent transaction device - Google Patentes
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...http://www.google.es/patents/US20050040242?utm_source=gb-gplus-sharePatente US20050040242 - A transparent transaction device
Número de publicación US20050040242 A1
Número de solicitud US 10/708,548
Fecha de presentación 10 Mar 2004
Fecha de prioridad 7 Sep 1999
También publicado como US7070112, WO2005086721A2, WO2005086721A3
Número de publicación 10708548, 708548, US 2005/0040242 A1, US 2005/040242 A1, US 20050040242 A1, US 20050040242A1, US 2005040242 A1, US 2005040242A1, US-A1-20050040242, US-A1-2005040242, US2005/0040242A1, US2005/040242A1, US20050040242 A1, US20050040242A1, US2005040242 A1, US2005040242A1
Inventores Blayn Beenau, David Bonalle, Becky Eyk, Susan Isenberg, Leigh Malnati, Sue Mueller, Zarita Norcross, Lee Peart, Peter Saunders, Lisa Skilling-Belmond, Lida Webb, John Williamson
Cesionario original American Express Travel Related Services Company, Inc.
Citas de patentes (99), Citada por (116), Clasificaciones (45), Eventos legales (4)
US 20050040242 A1
1. The transaction device comprising:
a. at least one of a translucent and transparent device surface;
c. a transponder system in communication with said device surface, 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:
2. The transaction device of claim 1, wherein said machine recognizable compound is extrusion coated to at least one of said translucent and transparent device surface.
3. The transaction device of claim 1, wherein at least one of said translucent and transparent layers comprises a plurality of perforations.
4. The transaction device of claim 3, wherein said plurality of perforations forms a pattern in at least one of said translucent and transparent layers.
5. The transaction device of claim 3, comprising a subassembly of film layers, wherein said subassembly comprises said plurality of perforations therethrough.
6. The transaction device of claim 1, comprising:
a. a second transponder system in communication with said device surface, said second transponder system operable to receive a second RF interrogation signal, authenticate said second RF interrogation signal, and transmit said transponder system account data, said second transponder system comprising:
7. The transaction device of claim 1, comprising a plurality of layers wherein a first layer comprises a first polymer and a second layer comprises a second polymer wherein said plurality of layers is at least one of a transparent and translucent layer.
8. 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.
9. The transaction device of claim 1, wherein said machine recognizable compound includes at least one of invisible, visible and colored compounds.
10. The transaction device of claim 1, wherein said machine recognizable compound includes an infrared ink.
11. 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.
12. The transaction device of claim 1, wherein said machine recognizable compound includes an optically recognizable compound.
13. 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.
14. 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 rhelogical properties.
15. The transaction device of claim 1, wherein said machine recognizable compound includes: about 2% Epolin VII-164 dye, about 98% Tech Mark Mixing Clear, about 980.0 g of Tech Mark solvent evaporative screen ink, about 20.0 g of Epolight VII-164 dye.
16. The transaction device of claim 1, wherein said machine recognizable compound includes: about 15.0 lbs of Epolin VII-164 dye, about 965 lbs of Tech Mark Mixing Clear, and about 20.0 lbs of Epolight VI-30 dye.
17. The transaction device of claim 1, wherein said machine recognizable compound includes: about 30.0 grams of Epolight VII-172 dye, 700.0 grams of polyvinylchloride plastic, and 99.0 lbs of PVC.
18. The transaction device of claim 1, wherein said machine recognizable compound includes PET plastic.
19. The transaction device of claim 1, wherein said machine recognizable compound includes: about 0.80 grams Tech Mark mixing clear, about 0.07 grams VMCA resin, about 0.10 grams cyclohexanone, and about 0.03 grams Epolight VII-164.
20. The transaction device of claim 1, wherein said machine recognizable compound includes: about 0.55 grams vinyl VMCA resin, about 0.35 grams EEP solvent, about 0.05 grams cyclohexanone, about 0.03 grams Epolight VII-64, and 0.02 grams Epolight VI-30.
21. The transaction device of claim 1, wherein said machine recognizable compound includes: about 0.90 grams TM mixing clear, about 0.03 grams cyclohexanone, about 0.03 grams Epolight VII-64, about 0.02 grams Epolight VI-30, and about 0.02 grams Epolight 6084.
22. 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.
23. The transaction device of claim 6, 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.
24. The transaction device of claim 23, 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.
25. The transaction device of claim 23, 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.
26. The transaction device of claim 25, 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.
27. 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.
28. The transaction device of claim 27, 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.
29. The transaction device of claim 1, wherein said transponder system includes an internal power source.
30. The transaction device of claim 29, wherein said transponder system includes a biometric circuit, said biometric circuit in communication with said internal power source.
31. The transaction device of claim 30, 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.
32. The transaction device comprising:
d. a transponder system including a 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.
33. The transaction device of claim 32, wherein said machine recognizable compound includes at least one of a coating, film, thread, plastic, ink, fiber, paper, and planchette.
34. The transaction device comprising:
a. at least one of an opaque, translucent and transparent device surface;
35. The process for fabricating a transparent transaction device including placing IR film between two layers of PET GS and incorporating RFID circuitry.
36. The process of claim 35 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.
37. A The transaction device at least a portion of which is substantially transmissive to visible light, comprising:
b. a machine recognizable compound covering at least a portion of said device surface, wherein said machine recognizable compound is substantially transmissive to visible light; and
c. a RFID circuitry in communication with said surface, said RFID circuitry including a transponder responsive to a first interrogation signal.
38. The transaction device at least a portion of which is substantially transmissive to visible light, comprising:
c. a machine recognizable compound covering at least a portion of said device surface, wherein said machine recognizable compound is substantially transmissive to visible light; and
d. a RFID circuitry in communication with said surface, said RFID circuitry including a transponder responsive to a first interrogation signal.
39. The 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; and
40. The process for fabricating a transparent transaction device at least a portion of which is substantially transmissive to visible light, comprising:
41. The transaction device of claim 2, wherein said transponder system comprises a transponder system antenna operable to receive said RF interrogation signal.
42. The transaction device of claim 41, wherein said transponder system antenna is disposed between at least one of said machine recognizable compound and at least one of said transparent layer and transparent layer.
43. The transaction device of claim 5, 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 at least one of said transparent layer and transparent layer, said second layer and at least one of said transparent layer and transparent layer, and said machine recognizable compound and said second layer.
44. The transaction device of claim 7, wherein said transponder system comprises a transponder system antenna operable to receive said interrogation signal.
45. The transaction device of claim 44, wherein said transponder system antenna is disposed between at least two of said plurality of layers.
46. The transaction device of claim 24, 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 at least one of said transparent layer and transparent layer.
This invention is a continuation in part of and claims priority to U.S. patent application Ser. No. 10/192,488, entitled “SYSTEM AND METHOD FOR PAYMENT USING RADIO FREQUENCY IDENTIFICATION IN CONTACT AND CONTACTLESS TRANSACTIONS,” filed on Jul. 9, 2002 (which itself claims priority to U.S. Provisional Patent Application No. 60/304,216, filed Jul. 10, 2001). This invention is also a continuation in part of U.S. patent application Ser. No. 10/394,914, entitled “TRANSACTION CARD,” filed Mar. 21, 2003 (which itself claims priority to U.S. Provisional Patent Application No. 60/153,112, filed Sep. 7, 1999, U.S. Provisional Patent Application No. 60/160,519, filed Oct. 20, 1999, U.S. Provisional Application No. 60/167,405, filed Nov. 24, 1999, and to U.S. Provisional Patent Application No. 60/171,689, filed Dec. 21, 1999) and continuation in part U.S. patent application Ser. No. 10/611,563, entitled “TRANSPARENT TRANSACTION CARD,” and of continuation in part U.S. patent application Ser. No. 10/302,658, entitled “TRANSACTION CARD WITH DUAL IC CHIPS,” filed Nov. 22, 2002, all three of which claim priority to U.S. patent application Ser. No. 10/092,681, entitled “TRANSACTION CARD,” filed Mar. 7, 2002 (which itself claims priority to U.S. Provisional Patent Application No. 60/153,112, filed Sep. 7, 1999, U.S. Provisional Patent Application No. 60/160,519, filed Oct. 20, 1999, U.S. Provisional Patent Application No. 60/167,405, filed Nov. 24, 1999, and to U.S. Provisional Patent Application No. 60/171,689, filed Dec. 21, 1999), which claims priority to U.S. patent application Ser. No. 10/062,106, entitled “TRANSACTION CARD,” filed Jan. 31, 2002, the entire contents of which are hereby incorporated by reference.
One of the more visible uses of the RFID technology is found in the introduction of Exxon/Mobil's Speedpass® and Shell's EasyPay® products. These products use transponders placed in a fob or tag which enables automatic identification of the user when the fob is presented at a Point of Sale (POS) device. Fob identification data is typically passed to a third party server database, where the identification data is referenced to a customer (e.g., user) credit or debit account for completion of a transaction.
FIGS. 7A-7I show exemplary test results for various device embodiments in a graph of percent transmission v. wavelength (nm) in accordance with an exemplary embodiment of the present invention;
FIGS. 11A-11F show exemplary embodiments of transaction device transparent layers in accordance with an exemplary embodiment of the present invention;
FIGS. 15A-15B illustrate plan views of a back side and front side, respectively, of a transparent transaction device having RFID circuitry including an antenna coil embedded therein in accordance with an exemplary embodiment of the present invention; and
FIGS. 16-18 illustrate plan views of examples of a transparent transaction device having RFID circuitry including an antenna coil embedded therein in accordance with an exemplary embodiment of the present invention.
Because the relative eye sensitivity of an ordinary observer for a specified level of illumination is between around 400-770 nm, infrared ink at over 770 nm is preferable because it is invisible to the human eye in normal white light. As such, the invisible infrared material will not substantially obscure the transparent surface of the transaction card. Additionally, the exemplary ink withstands card production temperatures of about 200 F to 400 F degrees and includes a “light fastness period” (which is the resistance of the ink to fade or degrade in the presence of any light, and specifically, UV light) of about at least three years under normal credit card usage conditions. Moreover, the exemplary ink blocks, absorbs or reflects the spectral output of IRED's, such as, for example, the Sankyo Seiki LED's, which is about 800-1000 nm. In addition, where the transparent transaction device is used with a transaction machine requiring detection of the device using a transaction device detecting phototransistors, the exemplary ink also limits the light reaching the phototransistors, so the presence of a transparent transaction device is detected by the transaction machine.
If the content of the compound is too low, adequate blocking may not be achieved and the phototransistor may not send the proper signal to the capture device, which will mean that the card will not be detected. Therefore, the infrared compounds are usually present in the composition at a total amount from about 1 PPM to 80.0 wt. (%), and preferably from about 0.25%2-5.0% by weight. Moreover, the present invention contemplates that other materials such as, for example, UV absorbers, reflectors, antioxidants, and/or optical brighteners, may be add in order to achieve better resistance properties, aesthetics, or longevity of the materials.
Typical examples of suitable inks and films for use with the present invention are described in U.S. Pat. No. 6,581,839 issued June 24, 0203, incorporated herein in its entirety. As such, the various suitable compositions of the IR blocking ink will not be repeated here for brevity.
FIGS. 7A-7I represent various spectra of films, coatings, etc., which demonstrate the ability of the materials used in the transaction device constructions to block sufficient quantities of infrared radiation and transmit visible light in order to produce transparent transaction devices described in the embodiment. The mechanism of blocking may be absorption, reflection, diffusion, dispersion or other methods of blocking radiation in the electromagnetic spectrum. A complete description of the representations in FIGS. 7A-7I may be found in U.S. Pat. No. 6,581,839 incorporated herein. Thus, the description will not be repeated herein for brevity.
With respect to FIGS. 10 and 14, an exemplary process for manufacturing a plurality of transparent transaction devices 500 is described. To facilitate understanding material layers 11, 17 are described as sheets 11, 17 which may be used to fabricate a plurality of transaction devices 500. That is, the transaction device fabricated layers may be described as sheets, although one skilled in the art will understand that description applies equally to the manufacture of a single transaction device. To fabricate the transparent transaction devices 500 having at least a front and back surface in accordance with an exemplary embodiment of the present invention, a front sheet 11 and back sheet 17 (FIGS. 5 and 6) consisting of a plastic substrate such as, for example, clear core PVC, are produced (step 100). One skilled in the art will appreciate that sheets 11 and 17 of devices 500 may be any suitable transparent and/or translucent material such as, for example, plastic, acrylic and/or any combination thereof. Each sheet 11, 17 is substantially identical and may vary in size and shape as desired. In one exemplary embodiment, the sheets, 11, 17 may be about 1.5″×2″ (38.1 mm×50.8 mm) and about 0.005-0.350 inches, or more preferably 0.01-0.15 inches or 13.5 mil thick although other sizes are contemplated. The front sheet 11 and back sheet may be used as overlays to underlying transparent device materials.
With respect to FIG. 11, the fabrication f the individual device sheets 11 and 17 includes either direct layout (9 layers) of film or the use of a sub-assembly (2-5 layers). An exemplary sub-assembly consists of 5 layers of film with room temperature tack adhesive applied over thermoset and thermoplastic adhesives. In addition, the RFID circuitry for facilitating contactless transactions may be included integral to the subassembly or between one surface of the subassembly and any other card layer by locating the circuitry in an inlay.
The resulting transparent transaction devices may comprise (from the device front towards the device back) 2.0 mil outer laminate (PVC, polyvinylchloride) having the holographic foil, embossed surface, RFID circuitry, subassembly or inlay, and other indicia on its surface, 9.0 mil printed PVC core with print side out (device front), 2.0 mil PVC adhesive, 1.7 mil PET GS (extrusion coated ppolyethyleneterephthalateu gluable/stampable manufactured y D&K (525 Crossen, Elk Grove Village, Ill. 60007), 2.0 mil PET IR blocking film, 1.7 mil PET GS, 2.0 mil PET adhesive, 9.0 mil printed PVC core with the print side out (device back), and 2.0 mil outer back laminate with a signature panel, applied magnetic stripe and other indicia. Optimally, the PET IR blocking film is fabricated in the middle of the layers to balance the device and minimize warping of the resulting transparent transaction device product. Other exemplary embodiments of the layers are shown in FIGS. 11B-11F and described in U.S. Pat. No. 6,581,839 to Lasch.
The sheet of laminate which is applied to the back 17 of device 500 (step 170) preferably includes rows of magnetic stripes 40, wherein each magnetic stripe 40 corresponds to an individual device 500. The magnetic stripe 40 may extend along the length of device 500 or a portion thereof and may be applied to the back 17 surface, top portion of device 500 in conformity with ISO standards for magnetic stripe 40 size and placement. However, the magnetic stripe 40 may be any width, length, shape, and placed on any location on device 500. The two track magnetic stripe 40, including the recorded information, can be obtained from, for example, DDai Nippon, 1-1, Ichigaya Kagacho 1-chome, Shinjuku-ku, Tokyo 162-8001, Japan, Tel: Tokyo 03-3266-2111.1 an exemplary embodiment, the magnetic stripe is applied to the outer laminate using a tape layer machine which bonds the cold peel magnetic stripe to the outer laminate roll with a rolling hot die and at suitable pressure. The roll is then cut into sheets at the output of the tape layer before the device material layers are assembled and the stripe is fused to the transparent transaction device during the lamination process.
Although prior art magnetic stripes 40 in current use are black, in a particularly exemplary embodiment, the magnetic stripe 40 of the present invention may be a silver magnetic stripe 40. Exemplary silver magnetic stripe 40 is 2750 oersted and also conforms to ISO standards. Moreover, the silver magnetic stripe 40 includes printing over the magnetic stripe 40. The printing on the magnetic stripe 40 can include any suitable text, logo 50, hologram foil 15 and/or the like; however, in an exemplary embodiment, the printing includes text indicative of an Internet web site address. Dai Nippon Printing Co., Ltd. (more information about Dai Nippon can be found at www.dnp.co.jp) prints a hologram or text on tthe mag stripe using for example, the Dai Nippon CPX10000 card printer which utilizes dye sublimation retransfer technology having a thermal head which does not contact the transparent transaction device surface. The card printer utilizes the double transfer technology to print the image with the thermal head over a clear film and then retransferring the printed image onto the actual transaction device media by heat roller. The printing of information on the surface of the magnetic stripe 40 is preformed by, for example, American Banknote Holographics, 399 Executive Blvd., Elmsford, N.Y. 10523, (914) 592-2355. More information regarding the printing on the surface of a magnetic stripe 40 can be found in, for example, U.S. Pat. No. 4,684,795, issued on Aug. 4, 1987, to United States Banknote Company of New York, the entire contents of which is herein incorporated by reference.
After the desired printing is complete and the magnetic stripe applied, the front 11 and back 17 sheets may be placed together (step 160), and the sheets are preferably adhered together by any suitable adhering process, such as a suitable adhesive. One skilled in the art will appreciate that, instead of printing on two sheets and combining the two sheets, a single device 500 can be used, wherein device 500 is printed on one side, then the same device 500 is re-sent through the printer for printing on the opposite side. In the present invention, after adhering the sheets together, a sheet of lamination, approximately the same dimensions as the plastic sheets, nnamely 3′×4′, is applied over he front 10 and back 17 of device 500. After the laminate is applied over the front 11 and back 17 of the combined plastic sheets (step 170), device 500 layers are suitably compressed at a suitable pressure and heated at about 300 degrees, at a pressure of between 90-700 psi, with a suitable dwell time to create a single transparent transaction device 500. The aforementioned device fabrication can be completed by, for example, Oberthur Card Systems, 15 James Hance Court, Exton, Pa.
In an exemplary embodiment, the device layers are fused together in a lamination process using heat and pressure. During the hot press phase, the press is heated to about 300 F degrees and the pressure builds to about 100 psi and holds for about 90 seconds. The pressure then ramps up to about 350 psi over an about 30 second period and holds for 16 minutes at the same temperature, namely 300 F degrees. The device layers are then transferred to a cold press which is at about 57 F degrees. The pressure builds to about 400 psi and is held for about 16 minutes as chilled water of about 57 F degrees is circulated in the plates. The cold press then unloads the transaction device.
With respect to the application of an exemplary holographic foil, the holographic foil 15 is adhered to device 500 (step 190) by any suitable method. In an exemplary embodiment, a substantially square steel die, which is aabout 1¼″×1¼″ with rounded corners and a 0.0007″ crown across the ontacting surface, stamps out the individual foils 15 from a large sheet of holographic foil 15. The die is part of a hot stamp machine such that the die is sent through a sheet of foil 15, cutting the foil 15 around a particular image and immediately applying the foil 15 with heat to the front 10 surface of card 5 after the card has been laminated. The die temperature may be in the range of about 300 F degrees [+/−] plus or minus 10 F degrees. The dwell time is approximately {fraction (1/2)} seconds and the application speed is set based upon the individual hot stamp applicator; however, the foregoing temperature and dwell is identified for a speed of 100 transaction devices per minute. U.S. Pat. Nos. 4,206,965, 4,421,380, 4,589,686, and 4,717,221, by Stephen P. McGrew provide more details about hot stamping of a holographic image and are hereby incorporated by reference.
With respect to the holographic foil 15, the foil 15 can be any color, contain any hologram, can be applied to any location on device 500, and can be cut to any size, shape and thickness. In an exemplary embodiment, the holographic foil 15 sheet preferably includes a gray adhesive on the bottom side and a blue, mirror-like, three-dimensional holographic surface on the top side containing numerous holographic images about 1¼″×1¼″ each. he exemplary hologram includes a 360 degree viewability and diffracts a rainbow of colors under white light. The full color hologram is created by, for example, American Banknote Holographics.
In an exemplary embodiment, the application of holographic foil onto vinyl materials of the transaction device may be accomplished by using a metallized foil. The foil may be un-sized, metallized, embossable, abrasion, and chemical resistant hot stamping foil on a 1.0 mil (92 gauge) polyester carrier. All of the exemplary materials are tinted with raw materials supplier color code #563 (blue). The foil is vacuum metallized with aluminum and has an optical density range of about 1.60 to 2.00. The optimum foil is free of visible defects and particulate matter. The foil contains release characteristics of about 0 to 7 grams based upon a release testing unit having a die face of 300 F degrees, 80 psi, 1.0 seconds dwell, 0.1 seconds delay in the removal of the carrier at a 45 degree angle. An exemplary base material is capable of receiving a permanent, high fidelity (based upon an embossing die of 100%, having at least 70% diffraction efficiency) impression of the holographic image surface by embossing with a hard nickel die in the range of about 1600 pounds per linear inch at about 100 pounds air pressure and in the range of about 200 to 350 F degrees die temperatures. When testing the embossibility of the base material, the testing includes a primary and secondary image to assure the embossable coating is capable of producing an optimal secondary image.
With respect to the mechanical and chemical durability of the holographic foil, the foil resists abrasions. As such, after sizing and stamping the foil onto the vinyl material of the device, the transferred hologram withstands about 100 cycles on the Taber Abrader using CS-10 wheels and about a 500 gram load before signs of breakthrough. The foil resists scuffing such that the foil withstands about 6 cycles on Taber Abrader under the same conditions without any substantial visual marks, scratches or haze. The holographic foil also resists any substantial evidence of cracking the vinyl in the hologram area when embossed on a DC 50000 encoder or an equivalent system. Moreover, the embossed, un-sized foil on the polyester carrier is capable of being stretched 15% without cracking of the base coat. Moreover, the exemplary vinyl material with the exemplary hologram withstands 15 minutes in an oven at 110 C degrees with the image clearly visible after the test. Additionally, the exemplary hologram does not show any visible effects after 5 cycles of 8 hours at 0 degrees and 16 hours at 60 C degrees. The exemplary holograms on the vinyl materials also resist plasticizers, alkalis, acids and solvents. In particular, the devices with holograms withstand immersion in warm liquid plasticizers (typically dioctyl phthalate) up to the point of severe swelling of the foil. The image on the device is not substantially affected by contact with plasticized vinyl for a period of five days at 60 C degrees. With respect to alkalis, the holograms on the devices withstand approximately 1 hour immersion in 10% ammonium hydroxide at room temperature without deterioration. Moreover, the hologram does not show substantial deterioration after 50 hours of immersion at room temperature in artificial alkaline perspiration (10% sodium chloride, 1% sodium phosphate, 4% ammonium carbonate, and pH 8.0). With respect to acids, the exemplary holograms on the transaction devices substantially withstand approximately 1 hour immersion in 10% acetic acid at room temperature without substantial deterioration. Moreover, the exemplary hologram substantially withstand, without substantial deterioration, 50 hours immersion at room temperature in artificial acetic perspiration (10% sodium chloride, 1% sodium phosphate, 1% lactic acid, pH 3.5).
With respect to solvents, the exemplary holograms on cards substantially withstand the following: ethylene glycol (100% and 50% in water) ith no substantial effects after 4 hours at room temperature, ethyl alcohol (100% and 50% in water) with no substantial effect after 4 hours at room temperature, methyl ethyl ketone has no substantial effect after 1 minute at room temperature, toluene has no substantial effect up to severe swelling of the device for (30 minutes at room temperature), water has no substantial effect after 16 hours at 60 C degrees and concentrated laundry detergent has no substantial effect after 20 hours at room temperature.
While the foregoing describes an exemplary embodiment for the fabrication of transparent transaction device 500, one skilled in the art will appreciate that any suitable method for incorporating text 30, 32, 34, logos 50, embossed numbers 35, a magnetic stripe 42, a signature field 45, holographic foil 15, an RFID circuitry 20 and opactiy gradient 25 (see, FIGS. 1 and 2) onto a substrate is within the scope of the present invention. Particularly, the holographic foil 15, RFID circuitry 20, logo 50, magnetic stripe 40, signature field 45 or any other compound may be affixed to any portion of device 500 by any suitable means such, for example, heat, pressure, adhesive, growoe and/or any combination thereof.
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Clasificación de EE.UU. 235/492, 235/487
Clasificación internacional G06Q20/00, H04L9/32, G07F7/08, G06K19/02, G06K19/16, G06K19/07, G07C9/00, G06K7/00, G06K19/08, G06K19/077
Clasificación cooperativa H04L2209/805, G06Q20/3278, G07C9/00119, G06K19/08, G07C9/00111, H04L9/3231, H04L2209/56, H04L9/3273, G06K19/02, G06Q20/327, G06Q20/14, G06K7/0008, G07F7/086, G06K19/077, G06K19/0723, G06Q20/04, G06K19/16, G06Q20/00
Clasificación europea G06Q20/14, G06Q20/04, H04L9/32, G07F7/08B, G06Q20/327, G06Q20/3278, G06K19/077, G06K19/07T, G07C9/00B12, G06K19/16, G06K19/02, G06Q20/00, G06K7/00E, G07C9/00B10, G06K19/08
Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNORS:BEENAU, BLAYN W;BONALLE, DAVID S;VANDER EYK, BECKY;AND OTHERS;REEL/FRAME:015367/0812;SIGNING DATES FROM 20041005 TO 20041027
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17 Dic 2013 FPAY Fee payment