US3752904A
Expired / Lapsed
US
⏱️ 0.0 years remaining
Credit and other security cards and card utilization system therefor
Assignee: SPICE ENTERTAINMENT COMPANIES Inc
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Filing: 1971-08-09
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Granted: 1973-08-14
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Expires: 1991-08-09
Abstract
Abstract A security card (which may be a credit card) according to the invention has recorded on it data identifying a personal and noncounterfeitable characteristic, such as a voice print, of the authorised holder of the card. Card utilisation systems according to the invention provide means for comparing the characteristic as recorded by this data with the corresponding characteristic of the person wishing to use the card, thereby substantially eliminating the possibility of unauthorised use of the card. The system, when applied to credit card utilisation, preferably includes document facsimile transmission, whereby a credit card user obtaining credit remotely can be provided with a facsimile copy of the usual credit sale document, which facsimile copy he signs before transmitting another facsimile copy, this time of the signed first copy, to provide the remote credit issuing location with his authentication of the transaction. Preferably, also, the system includes provision for television communication between credit card holders and the credit-giving locations, whereby, for example, a remote would-be purchaser can be shown goods in which he is interested. The system is also adapted to provide for credit card payment in, for example, pay television distribution systems and for remote purchase of theatre and airline tickets and of services such as the supply of information from computerised information systems and computerised translation services.
Inventors
- 👤 N Waterbury
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-23 12:22
CPC Classifications
G; G06; G06Q; G06Q20/00; G06Q20/08; G06Q20/20; G06Q20/209; G07; G07C; G07C9/00; G07C9/20; G07C9/22; G07C9/25; G07C9/257; G10; G10L; G10L17/00
Claims Analysis
Total Claims: 23
Claim 1
Independent Claim
63 words
A security card having recorded thereon data in the form of a voice print which uniquely identifies the authorized holder of the card, said data relating to at least one personal and uncounterfeitable attribute of the said holder and being recorded on said card in a form which permits, it to be read by suitable transducer means and converted thereby into electrical signals.
Claim 2
Dependent Claim
63 words
A security card having recorded thereon data in the form of a voice print which uniquely identifies the authorized holder of the card, said data relating to at least one personal and uncounterfeitable attribute of the said holder and being recorded on said card in a form which permits, it to be read by suitable transducer means and converted thereby into electrical signals.
Claim 3
Dependent Claim
26 words
A security card as claimed in claim 1, wherein the voice print is recorded as a sound recording of the speaking voice of the authorised holder.
Claim 4
Dependent Claim
31 words
A security card as claimed in claim 1, wherein the voice print is recorded as a signal-pulse train constituting a coded speech analysis of the speaking voice of the athorised holder.
Claim 5
Dependent Claim
34 words
A security card as claimed in claim 1, wherein the said data is the access code to a memory location in which is stored a voice print of the authorised holder of the card.
Claim 6
Dependent Claim
26 words
A security card as claimed in claim 1 and formed at least in part as a magnetic recording layer having the said data magnetically recorded thereon.
Claim 7
Dependent Claim
24 words
A security card as claimed in claim 1 and having the said data visibly recorded thereon and thereby readable by suitable optical screening means.
Claim 8
Dependent Claim
173 words
A security card utilisation system comprising a plurality of security cards each as claimed in claim 1 and each having a voice pring recorded thereon which uniquely identifies a respective authorised card holder, at least one first transducer adapted to read said data of any one of said cards presented to it and to produce first electrical signals which contain said data, at least one second transducer means responsive to the said personal attribute of any person and operative to produce second electrical signals representative of that personal attribute of such person, and at least one comparator connectable to the first transducer and to the second transducer to receive the said first and the said second electrical signals therefrom and operative to effect a comparison of the personal attribute to which said data relates and of the said personal attribute as represneted by said second signals, and to provide an indication, on the basis of the said comparison, whether or not the said person is the authorised holder of the said one card.
Claim 9
Dependent Claim
34 words
A security card utilisation system as claimed in claim 7, wherein the said second transducer includes a microphone responsive to speech of the said person, and wherein the said comparator includes a speech analyser.
Claim 10
Dependent Claim
59 words
A security card utilisation system as claimed in claim 7, wherein a respective first transducer and a respective second transducer are provided in pairs at each of a plurality of locations and the first transducer and second transducer at each of said locations are connectable via a telecommunications link to a common comparator serving a plurality of said locations.
Claim 11
Dependent Claim
44 words
A security card utilisation system as claimed in claim 9 wherein the said telecommunication link between any of said locations and the comparator includes at least one of; a public telephone line, a private telephone line, a terrestrail radio link, an earth-satellite radio link.
Claim 12
Dependent Claim
43 words
A security card utilisation system as claimed in claim 9, wherein the comparator comprises a speech analyser, for analysing speech as transmitted by the said first and by the said second signals, and means for comparing the analysis results in the two cases.
Claim 13
Dependent Claim
88 words
A security card utilisation system as claimed in claim 9, wherein each of said locations is provided with means for receiving and temporarily storing signals corresponding to said first and said second signals and transmitted from any one of a plurality of remote stations each provided with a first remote transducer and with a second remote transducer, said first and second remote transducers being similar to the said first and said second transducers at each said location and connectable to any of said locations by a telecommunications link.
Claim 14
Dependent Claim
29 words
A securtiy card utilisation system as claimed in claim 13, wherein each of said locations and at least some of said remote stations are further provided with television facilities.
Claim 15
Dependent Claim
58 words
A security card utilisation system as claimed in claim 12, wherein each of the said locations and each of the said remote stations is further provided with a facsimile reader and receiver capable of transmitting and reaproducing copies of the said security cards and of documents relating to purchases made by the remote use of said security cards.
Claim 16
Dependent Claim
101 words
A pay-television system comprising a programme transmitting station, a plurality of television-receiving locations each linked by a telecommunications link to said station for receiving programmes emitted thereby, card reading means at each receiving location for reading the data recorded on a security card as claimed in claim 1 and transmitting said voice print to the transmitting station, telephone means at each receiving location enabling a subscriber to call the transmitting station and order a programme and provide a sample of his speech, and means at the transmitting station for analysing such speech sample and comparing it with the said voice print.
Claim 17
Dependent Claim
58 words
A security card utilisation system as claimed in claim 12, wherein at least one of said locations is included in a telephone exchange of said telecommunications link and enables telephone calls made through said exchange from one of said remote stations to be charged to the credit account represented by a credit card presented at such remote station.
Claim 18
Dependent Claim
46 words
A security card utilisation system as claimed in claim 12, wherein at least one of said remote stations is provided with a radio transmitter-receiver constituting at least a part of said telecommunications link, and wherein said station includes solar cell devices and can be powered thereby.
Claim 19
Dependent Claim
18 words
A security card as claimed in claim 1 and further bearing a portrait photograph of the authorised holder.
Claim 20
Dependent Claim
42 words
A security card utilisation system as claimed in claim 14, wherein at least some of said remote stations are provided with a television camera by means of which an image of a portrait-bearing card can be transmitted to any of said locations.
Claim 21
Dependent Claim
58 words
A security card utilisation system as claimed in claim 19, wherein said television camera is housed within a unit provided with a slot for insertion of said card thereinto and into the camera field of view, said unit further including a television receiver, a telephone, card-data reading means, connection means for a facsimile machine, and connecting circuitry therefor.
Claim 22
Dependent Claim
71 words
A security card utilisation system as claimed in claim 7 and comprising a telephone network including a plurality of telephones, each of at least some of said telephones having associated therewith a respective said first transducer and including a microphone constituting a respective said second transducer, whereby a telephone caller, who is an authorised card holder, using any of those telephones may pay for his call by use of his card.
Claim 23
Dependent Claim
18 words
A security card utilisation system as claimed in claim 21, wherein the said telephone network includes a video-telephone.
References Cited (Backward Citations)
USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 1976-08-13 | 1977-02-12 | 1977-08-14 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 1980-08-13 | 1981-02-12 | 1981-08-14 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 1984-08-13 | 1985-02-12 | 1985-08-14 | $7700.00 | Window Closed / Lapsed |