DE202007000481U1 - Credit card unit - Google Patents

Abstract

Credit card unit with a variety of card features and card labels, thereby characterized in that a base map (2) contains all the functions of the Variety of cards that has individual label cards (3) in each case at least one image representation of a publisher of the Having a plurality of cards, and that the base card (2) and the Label cards (3) hinged at the edges hinged together are connectable.

Description

The The invention relates to a credit card unit having a plurality of Map features and map labels. If here by credit cards the As is the case with any type of loyalty card, such as credit cards Banks, telephone cards, insurance cards, airline tickets, train tickets, Hotel cards, club cards and the like are meant.

such Credit card units have hitherto been known, for example, in the form of cases, into the individual credit cards of standard size are pluggable that in the closed state of the case the area of a standard credit card essentially not exceeded will, while in the open Condition any credit card presentable and / or removable. Will the customer use one of his credit cards pay, he must take the appropriate card from the case and then put it back in the case, which is labor-intensive.

The Individual credit cards are not stuck together or the case connected, so the opportunity exists that individual customer cards fall unintentionally when handling.

There is also In the credit card market the trend is more and more cards and card types and the customer for to offer a wide variety of uses.

The size Although the number of individual cards offers a diverse range of services, has but in addition to the increasing space requirements u. a. the following disadvantages: the Customer needs for make each single card a card application and the corresponding one Undergo granting procedures, which is laborious and time consuming.

For each single card the customer must remember a different security number.

The Single cards usually have different durations and update procedures, which makes maintaining the wide range of services difficult.

It There is not only a security risk in case of loss or theft several single cards, but also a high work, time and Cost to lock and activate the rebuild of the individual Customer cards.

The Handling especially archiving multiple single cards is mostly very time and space consuming. Confusing are also the individual statements.

Finally is each single card associated with a basic fee, so with number the individual cards the height the basic fees no longer negligible is.

It There are already so-called "combi cards" on the market, the several functions, such as a credit card and a train ticket, to unify. Such combi cards or multifunctional smart cards solve it though in principle, some of the disadvantages described above, however, throw new problems. On the one hand, they offer the various card issuers not because of the small amount of space available the possibility the advertising as by printing on conventional single cards, what lead to competitive disadvantages can. The customer loses the other hand, the overview of which Map him of which publisher is available, and also feels a loss of prestige, both in terms of not explicitly his combination card called publisher as well as his creditworthiness and meaning. Furthermore lack the possibility To place application notes on the card.

task The invention is therefore a credit card unit of the beginning to create said type, which the above-mentioned disadvantages of the state overcoming technology, especially the advantages of single cards with those of a combo card in united.

These The object is achieved with the invention in that a base card in all the technical features of the variety of cards has that individual label cards each have at least one image representation a publisher of the plurality of cards, and that the Base card and the label cards at the edge hinged foldable are firmly connected to each other.

The Unified credit card unit according to the invention in itself the multifunctionality various credit or other cards through integration of their technical Functions in a basic map and its advertising and prestige function in the label cards, whose design is individualized by the publishers is configurable, in a package of firmly interconnected cards. By doing so leaves the number of needed with a chip and / or a magnetic tire provided base cards without compromising the technical functionality of the mission.

According to the invention may further be provided that the base card and / or the label cards the Dimensions of a standard credit card, indicating acceptance serves. In addition, you can conventional Readers also for the base map can be used.

In adaptation to conventional single cards is proposed with the invention that the base card has at least one external and / or internal, visually recognizable personalization, preferably containing a personal identification number, bank details, specific information of the integrated card functions and / or the term.

Further It is suggested that the basemap next to the optically recognizable Plain text personalization at least one machine and / or electronically recognizable personalization. This personalization can an embossing, a chip, a magnetic strip, a hybrid and / or an optical Memory, so the basemap in cooperation with conventional and / or new readers is usable. Even new technologies can be realized with the base map.

So is, for example, conceivable that a base card several, at different Positions arranged smart cards, on which different information for contain different types of readers are.

According to the invention, each Label card a logo and / or information about the services of a publisher and / or the customer name on the front and / or on the back carry what the prestige of both the customer and the card issuer serves. Ideally, the appearance of the label card can a conventional one Single card correspond.

The Label cards can each preferably a tear-resistant Plastic film and in the printed state plastic and foil-welded be. This serves a simple and therefore inexpensive Manufacture and durable use.

Also can be provided according to the invention that the base card in Substantially the thickness of a standard credit card.

In order to the label cards occupy a small space, the invention proposes that the label cards have a smaller thickness than a standard credit card exhibit.

Further It is suggested that the base card in a plastic injection molding process or a lamination process is made, which manufacturing technology Cheap is.

Also can be provided according to the invention that the label cards over preferably a common film joint edge hinged with connected to the base map.

at a further development according to the invention For example, the base map has an upper layer and / or lower layer of transparent thermoplastic on which the base card is welded to the label cards.

In another embodiment can also be provided that preferably already firmly together detachable label cards detachable attachable to the base card and in particular by means of clamping action a spring element can be fixed. This allows the base map to be temporarily removed from the Separate label cards, if, for example, one connected to the label cards Basic map of a reader not accepted.

The credit card unit according to the invention offers the following advantages to the customer:
The customer makes only one basic card application, so that his authorization, the recording of his personal data as well as the limitation of his creditworthiness will be made only once. If necessary, this basic application may also contain individual sub-applications.

All Single cards combined in the card package can be more ideal The same period of validity have and be updated together.

Of the Customer may need to remember only one PIN, which is the acceptance increases. It is according to the invention also possible that over a the base card associated secret number a list of the individual applications on the base map assigned secret numbers is activated and depending on the specific application, the correct PIN is selected. For this purpose, for example, on the chip of the base card a corresponding Program implements that when querying a secret number is automatically activated.

The Debits are made for all transactions together at regular intervals, what the clarity and also serves to reduce the fees.

at Loss of the card package only has to block the base card and to be requested again.

Single tickets can no longer get lost from the credit card unit because all cards are firmly connected. The handling is opposite one Variety of single cards greatly facilitated.

moreover is the archiving of the cards and the cards taken Space considerably compared to the use of conventional single cards improved and simplified.

The Enable label cards the customer always, the range of services available to him check the base map and Credible to third parties showcase. This gives a feeling security and social acceptance.

The card issuer has the following advantages:
The manufacturing cost of the map package according to the invention is reduced compared to that for the corresponding number of individual cards.
Increased customer acceptance increases sales.
Card management, such as processing of applications and debits, is simplified, which saves further costs.
No publisher has to renounce the advertising effect of the card he designs or pay for co-branding.

Further Objectives, features, advantages and applications of the invention result from the following description of exemplary embodiments and the drawing. In this case, all described and / or illustrated Features for itself or in any combination the subject matter of the invention, independently from their summary in the claims or their dependency.

It demonstrate:

1 a sectional view through an inventive, unfolded credit card unit;

2 a perspective view of in 1 shown credit card unit;

3 a perspective view of in 1 shown credit card unit with the visualization of the information contained in the chip of the base card and

4 a perspective view accordingly 3 for a further embodiment of the credit card unit having a plurality of chips.

In the 1 illustrated credit card unit 1 consists of a base map 2 and five label cards 3 running along one as a film joint 4 trained folding or connecting edge are connected to each other.

The base card has 2 an upper layer 5 , a middle layer 6 and a lower layer 7 , The outer layers 5 and 7 each consist of a printed with a publisher or manufacturer design, customer information and the like information printed plastic film, while the middle layer 6 a chip 8th and / or a magnetic stripe 9 has, like 2 shows.

Every label card 3 consists of a printed plastic film printed with the upper and lower layers 5 . 7 over the film joint 4 are welded. Instead of the welded connection, the label cards 3 with the base map 2 also glued or releasably secured by a connector.

there is the printing and welding of the z. B. only 0.2 mm thick, tear-resistant Plastic films on conventional Way feasible.

The area dimensions of the base map 2 and the label cards 3 are essentially the same as a standard credit card. The base map 2 also corresponds in its thickness to a standard credit card. The label cards 3 are much thinner on the other hand.

The credit card unit according to the invention can thus be easily handled and stored in the folded state without risk of loss of individual cards. To perceive one through the base map 2 accessible service must then be the credit card unit 1 only be folded up along the folding or connecting edge, so that the information from the chip 8th or the magnetic strip 9 can be processed via a corresponding reader. The chip offers 8th and the magnetic strip 9 an access to all the services that are on the base map 2 and the label cards 3 printed information.

In addition, the customer can be creditworthy by the different label cards 3 demonstrate while the appropriate publishers on the label cards 3 an advertising medium is provided.

In 3 they are in the chip 8th the base map 2 information shown schematically, the credit card unit 1 the in 3 shown corresponds and does not need to be described in detail.

In the chip card 8th is an indent module 10 contained in which the personal data of the holder of the base card 2 , in particular whose name and address are stored. There is also a PIN module 11 provided in which a base card associated with the secret number is stored. This can be valid for all applications equally. Alternatively, it is also possible that in the PIN module 11 stored secret number allows access to secretly stored secret numbers, the respective, through the base card 2 covered and the label cards 3 displayed assigned. Finally, there is an application module 12 with the applications contained on the basic map, for example by specifying the institute responsible for the application.

At the in 4 illustrated embodiment are multiple chips 8th next to each other on the base map 2 provided on each chip 8th an indent module 10 , a PIN module 11 and an application module 12 are provided, which can be read by appropriate readers. This will reduce the number of people through a basemap 2 Multiply covered applications.

The credit card unit 1 can be arbitrarily extended by the base map 2 programmed accordingly and a corresponding label card 3 is added to the package. Likewise, a reduction of the map function is possible.

1

Credit card unit

2

basemap

3

label card

4

film hinge

5

upper layer

6

middle layer

7

lower layer

8th

chip

9

magnetic stripe

10

Indent module

11

PIN module

12

Application module

Claims (13)

Credit card unit with a variety of card functions and card labels, characterized in that a base card ( 2 ) has in itself all the functions of the plurality of cards that individual label cards ( 3 ) each have at least one image representation of a publisher of the plurality of maps, and that the base map ( 2 ) and the label cards ( 3 ) hingedly folding on the edge are firmly connected to each other. Credit card unit according to claim 1, characterized in that the base card ( 2 ) and / or label cards ( 3 ) have the dimensions of a standard credit card. Credit card unit according to claim 1 or 2, characterized in that the base card ( 2 ) contains at least one external and / or internal personalization, preferably a personal identification number, a bank account, specific information of the integrated card functions and / or the term. Credit card unit according to one of the preceding claims, characterized in that the base card ( 2 ) at least one embossing, a chip ( 8th ), a magnetic strip ( 9 ), a hybrid and / or an optical memory. Credit card unit according to claim 4, characterized in that the base card ( 2 ) several chips ( 8th ) having. Credit card unit according to one of the preceding claims, characterized in that each label card ( 3 ) carries a logo and / or information about the services of a publisher and / or the customer name on the front and / or back. Credit card unit according to one of the preceding claims, characterized in that the label cards ( 3 ) has a preferably tear-resistant plastic film and in the printed state plastic and Folienverschweißt. Credit card unit according to one of the preceding claims, characterized in that the base card ( 2 ) has substantially the thickness of a standard credit card. Credit card unit according to one of the preceding claims, characterized in that a label card ( 3 ) has a smaller thickness than a standard credit card. Credit card unit according to one of the preceding claims, characterized in that the base card ( 2 ) is produced in a plastic injection molding process or a lamination process. Credit card unit according to one of the preceding claims, characterized in that the label cards ( 3 ) preferably via a common film joint ( 4 ) at the edge hinged to the base card ( 2 ) are connected. Credit card unit according to one of the preceding claims, characterized in that the base card ( 2 ) an upper layer ( 5 ) and a lower layer ( 7 ) made of transparent thermoplastic material, over which the base card ( 2 ) with the label cards ( 3 ) is welded. Credit card unit according to one of claims 1 to 11, characterized in that the label cards ( 3 ) at the base map ( 2 ) releasably attachable and by means of clamping action, in particular a spring element can be fixed.