US5559885A
Expired / Lapsed
US
⏱️ 0.0 years remaining
Two stage read-write method for transaction cards
Assignee: Assa Abloy AB
•
Filing: 1994-02-22
•
Granted: 1996-09-24
•
Expires: 2014-02-22
Abstract
Abstract A method for providing convenient, secure access to numerous benefits with a single wallet sized card having a high capacity data storage area, preferably an optical stripe, and a lower capacity magnetic storage stripe. The high capacity area is indelibly written with data denoting a set of entitlements and records of the owner of the card. To obtain use of the entitlements, the owner takes the card to a data conversion terminal and selects a set of entitlements from a menu displayed at the terminal and, provided that the selected set is a subset of the entitlements indelibly recorded on the high capacity area of the card, data is written on the magnetic stripe of the card authorizing use of the selected entitlements. The data written on the magnetic stripe can be used to obtain benefits at numerous existing and foreseeable magnetic stripe readers. If the selected set of entitlements is not a subset of those indelibly recorded, suggesting that the possessor of the card is not the owner of the card, such writing of data on the magnetic stripe is prevented, denying use of the card to obtain benefits.
Inventors
- 👤 Jerome Drexler
- 👤 Christopher J. Dyball
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-29 07:17
CPC Classifications
G; G06; G06Q; G06Q20/00; G06Q20/30; G06Q20/34; G06Q20/341; G06Q20/38; G06Q20/40; G06Q20/401; G06Q20/4014; G06Q20/40145; G07; G07C; G07C13/00; G07C9/00; G07C9/20; G07C9/22; G07C9/25; G07C9/257; G07F; G07F7/00; G07F7/08; G07F7/10; G07F7/1008; H; H04; H04L; H04L9/00; H04L9/32; H04L9/3226; H04L9/3231; H04L9/3234; H04L2209/00; H04L2209/56
Claims Analysis
Total Claims: 18
Claim 1
Independent Claim
121 words
A method of providing benefits comprising, indelibly writing, on a first area of a card, data denoting a first set of entitlements, with said first area of said card being an optical storage medium, reading said first area of said card and acquiring information representing a second set of entitlements from a possessor of said card, if said second set of entitlements is a subset of said first set of entitlements, then writing, on a second area of said card, data authorizing use of said second set of entitlements, said second area of said card being a magnetic recording medium, and reading said second area of said card and providing benefits according to said use of said second set of entitlements.
Claim 2
Independent Claim
121 words
A method of providing benefits comprising, indelibly writing, on a first area of a card, data denoting a first set of entitlements, with said first area of said card being an optical storage medium, reading said first area of said card and acquiring information representing a second set of entitlements from a possessor of said card, if said second set of entitlements is a subset of said first set of entitlements, then writing, on a second area of said card, data authorizing use of said second set of entitlements, said second area of said card being a magnetic recording medium, and reading said second area of said card and providing benefits according to said use of said second set of entitlements.
Claim 3
Dependent Claim
72 words
The method of claim 1 further comprising, indelibly writing, on said first area of said card, data denoting personal identification, reading said first area of said card and acquiring access information from said possessor of said card, and if said access information does not correspond to said data denoting personal identification, preventing said writing, on said second area of said card, of said data authorizing use of said second set of entitlements.
Claim 4
Dependent Claim
34 words
The method of claim 1 further comprising, erasing preexisting authorization data from said second area of said card, prior to acquiring information representing a second set of entitlements from a possessor of said card.
Claim 5
Dependent Claim
30 words
The method of claim 1 wherein said first area of said card has a semiconductor integrated circuit memory and said second area of said card has a magnetic storage medium.
Claim 6
Dependent Claim
29 words
The method of claim 1 wherein said first area is on a first side of said card and said second area is on a second side of said card.
Claim 7
Dependent Claim
45 words
The method of claim 1 wherein said first area is disposed on a first side of said card and has an optical recording stripe and said second area is disposed on a second side of said card and has a plurality of magnetic recording stripes.
Claim 8
Dependent Claim
42 words
The method of claim 1 wherein said first area has an optical recording stripe on a first side of said card, and said second area has a magnetic recording stripe on both said first side and a second side of said card.
Claim 9
Dependent Claim
17 words
The method of claim 1 wherein said indelibly writing and said reading are performed at different locations.
Claim 10
Dependent Claim
18 words
The method of claim 1 wherein said writing data and said providing benefits are performed at different locations.
Claim 11
Dependent Claim
37 words
The method of claim 1 wherein said reading said first area of said card, said acquiring a second set of entitlements from a possessor of said card, and said writing data are performed at a single location.
Claim 12
Dependent Claim
29 words
The method of claim 1 wherein said providing benefits is performed at a greater number of locations than said writing data authorizing use of said second set of entitlements.
Claim 13
Dependent Claim
36 words
The method of claim 1 wherein said writing data authorizing use of said second set of entitlements is performed at a greater number of locations than said indelibly writing data denoting a first set of entitlements.
Claim 14
Dependent Claim
30 words
The method of claim 1 wherein said first area of said card has an optical storage medium and said second area of said card has a semiconductor integrated circuit memory.
Claim 15
Independent Claim
94 words
A method of acquiring benefits comprising, receiving a card having data denoting a first set of entitlements permanently encoded onto an optical recording medium, providing said card to a data conversion terminal and selecting a second set of entitlements, receiving said card from said data conversion terminal with data encoded on a magnetic recording medium of said card authorizing use of said second set of entitlements if said second set is a subset of said first set, providing said card to a benefits dispenser and receiving benefits according to said second set of entitlements.
Claim 16
Independent Claim
94 words
A method of acquiring benefits comprising, receiving a card having data denoting a first set of entitlements permanently encoded onto an optical recording medium, providing said card to a data conversion terminal and selecting a second set of entitlements, receiving said card from said data conversion terminal with data encoded on a magnetic recording medium of said card authorizing use of said second set of entitlements if said second set is a subset of said first set, providing said card to a benefits dispenser and receiving benefits according to said second set of entitlements.
Claim 17
Dependent Claim
32 words
The method of claim 14 further comprising providing personal identification and entitlements information to a writing terminal, prior to receiving said card having data denoting said first set of entitlements permanently encoded.
Claim 18
Dependent Claim
47 words
The method of claim 15 further comprising providing to said data conversion terminal a personal access code corresponding to said personal identification information, prior to receiving said card from said data conversion terminal with data encoded on said card authorizing use of said second set of entitlements.
References Cited (Backward Citations)
US4256955A
Cited
US4467209A
Cited
US4360728A
Cited
US4683371A
Cited
US4491725A
Cited
US4629874A
Cited
US4683372A
Cited
US4937436A
Cited
US4961229A
Cited
US5053608A
Cited
US4879747A
Cited
US4995081A
Cited
US4993068A
Cited
US5352876A
Cited
US5285200A
Cited
US5259025A
Cited
USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 1999-09-24 | 2000-03-25 | 2000-09-24 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2003-09-24 | 2004-03-25 | 2004-09-24 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2007-09-24 | 2008-03-25 | 2008-09-24 | $7700.00 | Window Closed / Lapsed |