Credit card, process and marking appliance for manufacturing said credit card, and marking appliance for marking said credit card in order to effect deductions from a credit represented by the card

Claim 2

In a credit card having at least one surface provided with an electrically conducting coating which is adapted to be marked by the action of an electric current flowing through said coating in a selected areas thereof, which surface comprises at least one credit-representing area adapted to be visibly marked in order to effect deductions from the credit represented by said card, the improvement residing in that said coating includes a terminal area, said at least one credit-representing area, and at least one code-representing area, said credit-representing area is electrically conductively connected on one side to said terminal area, said code-representing area has a portion which is electrically conductively connected to said terminal area and at least one isolated portion which is electrically disconnected from said terminal area, and said surface of said credit card has electrically non-conducting portions which are free from said coating and define said at least one credit-representing area except on said one side and define said at least one isolated portion of said at least one code-representing area and which separate said at least one credit-separating area and said isolated portions from said terminal area.

Claim 3

The improvement set forth in claim 1, wherein said code-representing area is defined by one edge of said credit card and said credit-representing area is spaced from all edges of said credit card.

Claim 4

The improvement set forth in claim 1, wherein said non-conducting portions separating said isolated portions from said terminal area are covered by an imprint extending beyond said non-conducting portions.

Claim 5

The improvement set forth in claim 1, wherein said credit-representing area is elongated and electrically conductively connected to said terminal area at one end, said non-conducting portions define said credit-representing area and separate it from said terminal area except at said one end, and said coating is adapted to be removed in successive incremental length-portions of said credit-representing area by the action of an electric current flowing through said coating in said length portions.

Claim 6

The improvement set forth in claim 4, wherein each of said incremental length portions represents a value unit of a credit represented by said credit-representing area.

Claim 7

The improvement set forth in claim 4, wherein said surface is provided along said credit-representing area with an imprint indicating successive incremental length portions of said credit-representing area.

Claim 8

The improvement set forth in claim 4, wherein said credit-representing area comprises a plurality of length portions which are electrically conductively connected to each other and each of which extends at an oblique angle to an axis of said card.

Claim 9

The improvement set forth in claim 4, wherein said credit-representing area has the configuration of an arc of a circle.

Claim 10

The improvement set forth in claim 4, wherein said credit-representing area has the configuration of a spiral.

Claim 11

The improvement set forth in claim 4, wherein said coating has adjacent to said one end of said credit-representing area a strip-shaped portion connecting said terminal area to said credit-representing area and to said code-representing area.

Claim 12

The improvement set forth in claim 1, wherein said surface comprises a second of said code-representing areas and a second of said credit-representing areas.

Claim 13

The improvement set forth in claim 1, wherein said credit card has two of said surfaces on opposite sides of said card and is provided on each of said surfaces with said coating and said non-conducting portions.

Claim 14

In the process of manufacturing an improved credit card having at least one surface provided with an electrically conducting coating which is adapted to be marked by the action of an electric current flowing through said coating in selected areas thereof, which surface comprises at least one credit-representing area adapted to be visibly marked in order to effect deductions from the credit represented by said card, wherein said coating includes a terminal area, said at least one credit-representing area, and at least one code-representing area, said credit-representing area is electrically conductively connected on one side to said terminal area, said code-representing area has a portion which is electrically conductively connected to said terminal area and at least one isolated portion which is electrically disconnected from said terminal area, and said surface of said credit card has electrically non-conducting portions which are free from said coating and define said at least one credit-representing area except on said one side and define said at least one isolated portion of said at least one code-representing area and which separate said at least one credit-separating area and said isolated portions from said terminal area, the improvement residing in that a blank is provided, which is covered by said electrically conductive coating throughout said surface, and said non-conducting portions are formed in said surface in that said coating is selectively removed from said surface in said non-conducting portions by the action of an electric current flowing through said coating.

Claim 15

In the process of manufacturing an improved credit card having at least one surface provided with an electrically conducting coating which is adapted to be marked by the action of an electric current flowing through said coating in selected areas thereof, which surface comprises at least one credit-representing area adapted to be visibly marked in order to effect deductions from the credit represented by said card, wherein said coating includes a terminal area, said at least one credit-representing area, and at least one code-representing area, said credit-representing area is electrically conductively connected on one side to said terminal area, said code-representing area has a portion which is electrically conductively connected to said terminal area and at least one isolated portion which is electrically disconnected from said terminal area, and said surface of said credit card has electrically non-conducting portions which are free from said coating and define said at least one credit-representing area except on said one side and define said at least one isolated portion of said at least one code-representing area and which separate said at least one credit-separating area and said isolated portions from said terminal area, the improvement residing in that a blank is provided, which is covered by said electrically conductive coating throughout said surface, and said non-conducting portions are formed in said surface in that said coating is selectively removed from said surface in said non-conducting portions by the action of an electric current flowing through said coating.

Claim 16

The improvement set forth in claim 13, wherein said non-conducting portions are formed in said blank when the same is in the form of a web and said card is severed from said web when said coating has been removed from said non-conducting part.

Claim 17

The improvement set forth in claim 14, wherein said web is provided with an imprint before said card is severed from said web.

Claim 18

In an electrically operable marking appliance for manufacturing an improved credit card having at least one surface provided with an electrically conducting coating which is adapted to be marked by the action of an electric current flowing through said coating in selected areas thereof, which surface comprises at least one credit-representing area adapted to be visibly marked in order to effect deductions from the credit represented by said card, wherein said coating includes a terminal area, said at least one credit-representing area, and at least one code-representing area, said credit-representing area is electrically conductively connected on one side to said terminal area, said code-representing area has a portion which is electrically conductively connected to said terminal area and at least one isolated portion which is electrically disconnected from said terminal area, and said surface of said credit card has electrically non-conducting portions which are free from said coating and define said at least one credit-representing area except on said one side and define said at least one isolated portion of said at least one code-representing and which separate said at least one credit-separating area and said isolated portions from said terminal area, which appliance comprises marking electrode means for removing said coating from selected areas of a card blank, by the action of an electric current flowing through said coating in said areas, the improvement residing in that said apparatus comprises means for operating said marking electrode means for removing said coating from said card blank in the areas corresponding to said non-conducting portions.

Claim 19

In an electrically operable marking appliance for manufacturing an improved credit card having at least one surface provided with an electrically conducting coating which is adapted to be marked by the action of an electric current flowing through said coating in selected areas thereof, which surface comprises at least one credit-representing area adapted to be visibly marked in order to effect deductions from the credit represented by said card, wherein said coating includes a terminal area, said at least one credit-representing area, and at least one code-representing area, said credit-representing area is electrically conductively connected on one side to said terminal area, said code-representing area has a portion which is electrically conductively connected to said terminal area and at least one isolated portion which is electrically disconnected from said terminal area, and said surface of said credit card has electrically non-conducting portions which are free from said coating and define said at least one credit-representing area except on said one side and define said at least one isolated portion of said at least one code-representing and which separate said at least one credit-separating area and said isolated portions from said terminal area, which appliance comprises marking electrode means for removing said coating from selected areas of a card blank, by the action of an electric current flowing through said coating in said areas, the improvement residing in that said apparatus comprises means for operating said marking electrode means for removing said coating from said card blank in the areas corresponding to said non-conducting portions.

Claim 20

The improvement set forth in clain 16, wherein card-feeding means are provided for moving said card blank past said marking electrode means and control means are provided for energizing said marking electrode means in dependence on the position of said card blank relative to said marking electrode means.

Claim 21

The improvement set forth in clain 16, wherein card-feeding means are provided for moving said card blank past said marking electrode means and control means are provided for energizing said marking electrode means in dependence on the position of said card blank relative to said marking electrode means.

Claim 22

The improvement set forth in claim 17, wherein said marking electrode means comprise first and second sets of marking electrodes, the marking electrodes of said first set are aligned in a first direction, the marking electrodes of said second set are aligned in a second direction, which is at right angles to said first direction, and are movable in said first direction, said card-feeding means are adapted to feed a web which constitutes said card blank past said marking electrode means in predetermined increments of movement in said second direction and to arrest said web for an interval of time after each such increment, and said control means are operable to cause said marking electrodes of said first set to remove said coating from said card blank in the areas corresponding to said longitudinally extending non-conducting portions during said predetermined increments of movement, and to cause said marking electrodes of said second set to move in said first direction and to remove said coating from said card blank in the areas corresponding to said transversely extending non-conducting portions during said intervals of time.

Claim 23

The improvement set forth in claim 18, wherein said marking electrodes of said second set comprise a marking electrode for removing said coating from said blank in selected areas corresponding to said transversely extending non-conducting areas for separating said isolated areas of said code-representing area from said terminal area and said control means comprises encoding logic circuitry for controlling the energization of said marking electrode during its movement in said first direction in dependence on a desired code.

Claim 24

The improvement set forth in claim 18, wherein severing means are provided for removing each card provided with said non-conducting portions from said web.

Claim 25

The improvement set forth in claim 18, wherein printing means are provided for making imprints on said web when the same has been provided with said non-conducting portions.

Claim 26

In a marking appliance for marking an improved credit card in order to effect deductions from credit represented by said card, said card having at least one surface provided with an electrically conducting coating which is adapted to be marked by the action of an electric current flowing through said coating in selected areas thereof, which surface comprises at least one credit-representing area adapted to be visibly marked in order to effect deductions from the credit represented by said card, wherein said coating includes a terminal area, said at least one credit-representing area, and at least one code-representing area, said credit-representing area is electrically conductively connected on one side to said terminal area, said code-representing area has a portion which is electrically conductively connected to said terminal area and at least one isolated portion which is electrically disconnected from said terminal area, and said surface of said credit card has electrically non-conducting portions which are free from said coating and define said at least one credit-representing area except on said one side and define said at least one isolated portion of said at least one code-representing and which separate said at least one credit-separating area and said isolated portions from said terminal area, the improvement residing in that a card holder is provided, which is adapted to receive said credit card and to hold it in a predetermined position, a code detector is provided, which comprises a set of contacts arranged to contact said code-representing area of a card held in said predetermined position and is adapted to detect a code represented by said area, said marking means are provided, which are adapted to mark said coating in successive incremental portions of said credit-representing area by the action of electric current flowing through each of said incremental portions, and control means are provided, which comprise means for storing a prescribed code, comparing means for comparing the code detected by said code detector with said prescribed code, means for operating said marking means when said comparing means indicate that said detected code is identical to said prescribed code.

Claim 27

In a marking appliance for marking an improved credit card in order to effect deductions from credit represented by said card, said card having at least one surface provided with an electrically conducting coating which is adapted to be marked by the action of an electric current flowing through said coating in selected areas thereof, which surface comprises at least one credit-representing area adapted to be visibly marked in order to effect deductions from the credit represented by said card, wherein said coating includes a terminal area, said at least one credit-representing area, and at least one code-representing area, said credit-representing area is electrically conductively connected on one side to said terminal area, said code-representing area has a portion which is electrically conductively connected to said terminal area and at least one isolated portion which is electrically disconnected from said terminal area, and said surface of said credit card has electrically non-conducting portions which are free from said coating and define said at least one credit-representing area except on said one side and define said at least one isolated portion of said at least one code-representing and which separate said at least one credit-separating area and said isolated portions from said terminal area, the improvement residing in that a card holder is provided, which is adapted to receive said credit card and to hold it in a predetermined position, a code detector is provided, which comprises a set of contacts arranged to contact said code-representing area of a card held in said predetermined position and is adapted to detect a code represented by said area, said marking means are provided, which are adapted to mark said coating in successive incremental portions of said credit-representing area by the action of electric current flowing through each of said incremental portions, and control means are provided, which comprise means for storing a prescribed code, comparing means for comparing the code detected by said code detector with said prescribed code, means for operating said marking means when said comparing means indicate that said detected code is identical to said prescribed code.

Claim 28

The improvement set forth in claim 22, as applied to an appliance for marking such credit card in which said credit-representing area is elongated and said coating has a strip-shaped portion which electrically conductively connects said terminal area to said credit-representing area at one end thereof and to said code-representing area, wherein said marking means are arranged to mark said coating in a selected area by removing said coating from said selected area by the action of electric current flowing through said contact in said selected area, said control means are operable to cause said marking means to mark said coating in said credit-representing area in successive incremental length portions from that end of said credit-representing area which is opposite to said one end, and said control means are arranged to cause said marking means to remove said coating from said strip-shaped area so as to electrically disconnect said credit-representing area and said code-representing area from said terminal area when said marking means has removed said coating from said credit-representing area adjacent to said one end thereof.

Claim 29

The improvement set forth in claim 22 as applied to an appliance for making such credit card in which said credit-representing area is elongated and electrically conductively connected to said terminal area at one end, wherein said marking means are arranged to mark said coating in a selected area by removing said coating from said selected area by the action of electric current flowing through said contact in said selected area, said control means are operable to cause said marking means to mark said coating in said credit-representing area in successive incremental length portions from that end of said credit-representing area which is opposite to said one end, said marking means comprise a marking electrode and drive means for moving said marking electrode along said credit-representing area of a card held in said predetermined position, said control means are operable to cause said drive means to advance said marking electrode in contact with said credit-representing area from an initial position at the opposite end of said credit-representing area toward said one end thereof, said control means are operable to energize said marking electrode when the same is in contact with said coating in said credit-representing area and to de-energize said marking electrode after said coating has been removed from a predetermined number of said incremental length portions, and said control means are operable to cause said drive means to return said marking electrode to said initial position when said marking electrode has thus been de-energized.

Claim 30

The improvement set forth in claim 24, wherein said marking means comprise a stop adjacent to said marking electrode and electrode-actuating means which are frictionally coupled to said drive means and arranged to move said marking electrode into contact with said credit-representing area in response to an operation of said drive means to advance said marking electrode and for lifting said marking electrode from said credit-representing area and moving said marking electrode into engagement with said stop in response to an operation of said drive means to return said marking electrode toward said initial position.

Claim 31

The improvement set forth in claim 25, wherein said drive means comprises a feed screw which is rotatable to move said marking electrode along said credit-representing area and said electrode-actuating means are frictionally coupled to said feed screw.

Claim 32

The improvement set forth in claim 24, wherein said control means comprise a marking current circuit for energizing said marking electrode, which marking current circuit comprises a circular array of spaced apart contact segments associated with respective incremental length portions of said credit-representing area and a wiper contact, which is movable along said circular array to contact said contact segments in succession, whereby said marking current circuit is closed when said marking electrode contacts said metal coating in said credit-representing area and said wiper contact contacts one of said contact segments, said control means comprises means for moving said wiper contact along said circular array in unison with the movement of said marking electrode along the corresponding incremental length portions of said credit-representing area, and the spacing of said contact segments exceeds the corresponding dimension of said wiper contact so that said wiper contact is adapted to open said marking current circuit when said wiper contact leaves one of said contact segments.

Claim 33

The improvement set forth in claim 27, wherein said marking current circuit comprises a circular contact arranged to be electrically conductively connected to said terminal area of said card held in said predetermined position, and a second wiper contact, which is electrically connected to said first-mentioned wiper contact and arranged to move in contact with said circular contact in unison with the movement of said first-mentioned wiper contact along said circular array.

Claim 34

The improvement set forth in claim 24, wherein said control means comprise a drive control circuit for operating said drive means to advance said marking electrode when said comparing means indicate that said detected code is identical to said desired code.

Claim 35

The improvement set forth in claim 29, wherein said control means comprise a clearance signal generator for delivering a clearance signal in response to the energization of said making electrode.

Claim 36

The improvement set forth in claim 30, wherein said clearance signal generator comprises an amplifier.

Claim 37

The improvement set forth in claim 29, wherein said drive control circuit is arranged to operate said drive means to return said marking electrode toward said initial position in response to the de-energization of said marking electrode.

Claim 38

The improvemenet set forth in claim 29, wherein said drive control circuit is arranged to deenergize said drive means when said marking electrode is in said initial position.

Claim 39

The improvement set forth in claim 24, wherein said control means comprise selector means for selecting said predetermined number of incremental length portions.

Claim 40

The improvement set forth in claim 34, wherein said selector means comprise a presettable counter.

Claim 41

The improvement set forth in claim 22, which comprises a digital display for indicating the remaining credit represented by said circuit-representing area of said card in said predetermined position.