WO2004077339A1 - Wallet with read-out device for a pay card - Google Patents

Wallet with read-out device for a pay card Download PDF

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Publication number
WO2004077339A1
WO2004077339A1 PCT/NL2004/000095 NL2004000095W WO2004077339A1 WO 2004077339 A1 WO2004077339 A1 WO 2004077339A1 NL 2004000095 W NL2004000095 W NL 2004000095W WO 2004077339 A1 WO2004077339 A1 WO 2004077339A1
Authority
WO
WIPO (PCT)
Prior art keywords
read
wallet
out device
holder
pay card
Prior art date
Application number
PCT/NL2004/000095
Other languages
French (fr)
Inventor
Hubertus Johannes Bernardus Schoeren
Erik Rudolf De Boer
Nicolaas Wilhelmus Engelhard
Daniël ZUIJDERDUIJN
Original Assignee
Schoeren Hubertus Johannes Ber
Erik Rudolf De Boer
Nicolaas Wilhelmus Engelhard
Zuijderduijn Daniel
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Schoeren Hubertus Johannes Ber, Erik Rudolf De Boer, Nicolaas Wilhelmus Engelhard, Zuijderduijn Daniel filed Critical Schoeren Hubertus Johannes Ber
Publication of WO2004077339A1 publication Critical patent/WO2004077339A1/en

Links

Classifications

    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06KGRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/005Record carriers for use with machines and with at least a part designed to carry digital markings the record carrier comprising an arrangement to facilitate insertion into a holding device, e.g. an arrangement that makes the record carrier fit into an etui or a casing
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06KGRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/0701Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising an arrangement for power management
    • G06K19/0702Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising an arrangement for power management the arrangement including a battery
    • G06K19/0704Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising an arrangement for power management the arrangement including a battery the battery being rechargeable, e.g. solar batteries
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06KGRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/0701Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising an arrangement for power management
    • G06K19/0702Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising an arrangement for power management the arrangement including a battery
    • G06K19/0705Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising an arrangement for power management the arrangement including a battery the battery being connected to a power saving arrangement
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06KGRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07701Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction
    • G06K19/07703Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being visual
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06KGRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/0013Methods or arrangements for sensing record carriers, e.g. for reading patterns by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers
    • G06K7/0021Methods or arrangements for sensing record carriers, e.g. for reading patterns by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers for reading/sensing record carriers having surface contacts
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06KGRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/0013Methods or arrangements for sensing record carriers, e.g. for reading patterns by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers
    • G06K7/0056Methods or arrangements for sensing record carriers, e.g. for reading patterns by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers housing of the card connector
    • G06K7/006Methods or arrangements for sensing record carriers, e.g. for reading patterns by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers housing of the card connector the housing being a portable casing
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873Details of the card reader
    • G07F7/088Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction

Definitions

  • the invention relates to a wallet suitable for taking up at least one pay card.
  • Pay cards are becoming more and more current as replacement for cash.
  • Such pay cards comprise a storage medium, such as, for instance, a chip or a magnetic tape strip, whereto units can be credited or debited.
  • These units represent a certain value, which for example may be expressed in units of currency (such as for example in case of the chip-knip®), a discount percentage (such as for example in case of savings cards of store chains), units of time (such as for example in case of the balance on a phone card) or discrete amounts of products/services due (such as for example in case of a photocopy card).
  • Advantage of a pay card is that it occupies little space and that debts can always be exactly settled with this.
  • the invention aims at providing a wallet suitable for taking up at least one pay card, whereby the above-mentioned drawbacks are removed.
  • a wallet is thereto characterised by the measures according to claim 1.
  • the read-out device is integrated into, or at least partly receivable into an (slot) compartment or partition of the wallet intended for a pay card.
  • With the presently known read-out techniques it is possible to produce such a small and flat read-out device that it will take up no considerable space in said partition.
  • a system according to the invention is characterised by the measures according to claim 3.
  • Suitable detachable fastening means may comprise for example Velcro, (safety) pins, pushbuttons or similar clip- or clamping means, such as for example a clip or a clamp, by means of which the read-out device can be clamped to, for instance, the edge of a partition or slot compartment or opening of the wallet.
  • the read-out device may, of course, also be inseparably attached to the wallet, for example by means of gluing, seaiing, folding, riveting or sowing.
  • the read-out device is preferably already provided during the manufacturing of the wallet.
  • the device may be fully integrated with the wallet and may for example be largely concealed behind a lining, whereby only the displaying means and possible on-and-off-switching means are visible, respectively accessible.
  • a system according to the invention is characterised by the measures according to claim 7.
  • photocell presents the advantage that it does not need to be replaced such as a battery. Moreover, by doing so, separate on-and-off-switching means may be omitted, because the read-out device will be automatically activated by the photocell when light is sufficient, for example by opening the wallet, and in time will switch off automatically in the absence of sufficient light, for example by closing the wallet.
  • a battery may of course be applied, for example a flat button cell.
  • the read-out device may be provided with a memory for the storage of, for instance, the most recent balances or expenditures, possibly with a date and/or time.
  • on-and-off-switching means may furthermore be provided.
  • this on-and-off-switching means is designed such that it is automatically operated by opening, respectively closing the wallet. This may for example be realised by means of a sliding contact or by means of a sensor, which detects whether the wallet is opened or closed and based thereon does or does not activate the device.
  • a switch operable by the user himself may be provided.
  • the read-out device comprises an automatic switch-off facility, which switches off the device after pre-determined time period, such that no needless energy goes to waste.
  • the invention further provides for a battery powered read-out device, the switching means whereof, in the switched off condition, reduces an electric current load of the battery at least practically to zero.
  • the on-and-off-switching means is thereto preferably arranged such that the battery can be completely disconnected electrically from the read-out means, for example by constructing it as a mechanical switch or as a separate electronic on- and-off-switching circuit powered by the battery and with a Reed relay in between the battery and the read-out means.
  • the mechanical switch it can be operated manually, preferably, however, by the opening and the closing of the wallet of the system.
  • the invention provides for a system provided with communication means, which is preferably integrated with the read-out device, so as to able to remotely effect the said debiting or crediting of units without the necessity existing to take the pay card out off the wallet.
  • communication means which is preferably integrated with the read-out device, so as to able to remotely effect the said debiting or crediting of units without the necessity existing to take the pay card out off the wallet.
  • the already known bluetooth® technology is pre- eminently suitable thereto.
  • a wallet may also be provided with several read-out devices according to the invention, for example one per slot compartment. If so desired, certain parts, such as the displaying means and the energy source, may in that case be shared by several read-out devices.
  • the displaying means preferably comprises an LCD-display.
  • the present invention also proposes to provide the system with data-exchange means for the exchange of data between the pay cards to be taken up in the separate read-out devices, such as the transferring between them of the said units, for example from a savings account to the known chip-knip ⁇ .
  • the invention further relates to a read-out device for application in a wallet, characterised by the measures according to claim 14.
  • the wallet is preferably designed such that it comprises at least three mutually predominantly perpendicularly oriented abutment surfaces such that, through abutment against these, the position of a pay card inserted into the wallet is uniquely fixed in three directions.
  • the storage medium to be read-out present thereon is always correctly positioned with respect to the read-out means, such that a reliable reading out is possible.
  • several read-out means may be applied per read-out device, which may be placed 'foolproof, namely such that always one separate read-out means makes contact with the storage medium, irrespective of the direction of insertion of the pay card.
  • a read-out device is characterised by the measures according to claim 19.
  • the read-out device may be easily fastened in a wallet with fitting techniques known in the wallet-producing industry, in particular sowing, such that the existing manufacturing machinery and production lines need hardly or not be adapted. Moreover, by doing so, the read-out device may be constructed even flatter such that it takes up even less space in a wallet and the wallet itself also remains relatively flexible, by which it can be easily put away in a trouser-pocket and the like.
  • the read-out device is provided with a printable surface, suitable for printing with, for instance, a mark or a company logo.
  • a read-out device according to the invention may for example be offered as a marketing gadget. It goes without saying that the printable surface is preferably located on or near a part of the read-out device that is visible when in use, for example on or near the on-and-off-switching means, a possible photocell or near the displaying means.
  • the invention further relates to a wallet suitable for application in a system according to the invention.
  • fig. 1 in perspective elevation a first embodiment of a system of a wallet and a read-out device according to the invention
  • fig. 2A-D in perspective elevation a number of alternative embodiments of a read-out device according to the invention suitable for being taken up in several types of wallets
  • fig. 3A-E a number of distinctive manners of fastening for fastening a read-out device according to the invention in a wallet and a fastening means provided thereto.
  • Figure 1 shows a wallet 1 in an opened position provided with a first, open partition 2 for bank notes, a second, closable partition 3 for coins and two slot compartments 4A, 4B for pay cards 5.
  • a closed position the wallet 1 is folded double, whereby the second partition 3 abuts the slot compartments 4.
  • wallet it is each time departed from the above-described type of wallet 1.
  • the invention is, however, applicable to any other type of wallet, as long as such wallet is suitable, that is to say is at least sufficiently large for taking up a pay card.
  • 'wallet' is to be interpreted broadly in this description. By this, it is meant at least any means for keeping, for example a money bag, purse, hip- wrist- neck- or handbag, belt pouch or credit card folder, wherein a consumer usually carries with him his means of payment, such as coins, bank notes and/or pay cards and/or possible further documents (of value) such as, for instance, a driving license or passport. This enumeration is by no means exhaustive.
  • pay card any card, generally of plastic, provided with a storage medium, such as a chip or a magnetic tape strip, whereto units can be credited or debited. These units generally represent a certain value that entitles the bearer of the card to a certain amount of product and/or service.
  • the pay card 5 shown in fig. 1 is provided with a storage medium 7 in its lower left corner in the form of a chip.
  • the pay card 5 may for example be a chip- knip®, stored with a certain sum of money, expressed in an applicable currency, or a phone card, stored with a certain balance, expressed in telephone units or a unit of time.
  • Fig.1 further shows a read-out device 10, by means of which the number of units stored on the chip 7 S hereafter also referred to as balance or credit, can be read-out and displayed.
  • the read-out device 10 comprises a read-out means 12, which is positioned such in the read-out device 10 that it makes contact with the chip 7 of a card, which is inserted in the system in use, for the reading-out of balance-information.
  • This information is subsequently passed on to a displaying means 14, in the form of an LCD-display, for presentation to a user.
  • an energy source 11 is provided in the form of, for instance, a battery and/or a photocell.
  • an on-and-off- switching means 13 may be provided for the switching on and off of the device 10. Operation of the switching means 13 is preferably linked to the opening and the closing of the wallet 1, such that a user does not have to perform additional operations.
  • the parts of the read-out device 10 are all integrated on a holder 15, which in the example shown in fig. 1 has a flat, rectangular shape, provided with a slot 17 for insertion of a pay card 5.
  • the height H of the slot 17 is preferably somewhat smaller than the height h of the card 5, such that when this card 5 is inserted into the holder 15, an upper edge thereof protrudes. This simplifies identification of the card, as well as the taking out thereof.
  • the edge around the input slot 17 may also be cut out locally, as, for instance, shown in figs. 3A,B (cut-out 19).
  • the holder 15 performs a number of functions within the read-out device 10.
  • the holder 15 functions as a support for the various parts of the read-out device 10, by means of which these parts are kept together in a desired mutual configuration and can be placed easily, as a whole in a wallet 1.
  • the holder 15 may be provided with a fastening means for detachable or inseparable fastening to a wallet 1.
  • the fastening means shown in fig. 1 comprises a clip 16, by means of which the holder 15 can be clamped to the longitudinal edge of, for instance, a slot compartment 4A.B, whereby the remaining part of the holder 15 predominantly extends in the slot compartment 4A,B.
  • the clip 16 is the only visible part of the read-out device 10.
  • the displaying means 14 and the on-and-off-switching means 13 are provided on the clip 16.
  • room is provided on the clip 16 for a printing, for example a company logo.
  • a photocell may be provided on the clip 16, as replacement of, or besides battery 11.
  • the said parts may also be provided on another location on the holder 15 and, in which case, the wallet 1 may be provided with one or more windows 20 for letting through the said parts, such as for example shown in fig. 3B-D.
  • the holder 15 with the clip 16 may also be fastened in the first or second partition 2, 3.
  • the holder 15 provides for a correct positioning of the pay card 5 with regard to the read-out means 12, such that always a proper contact with the chip 7 can occur.
  • the holder 15 is designed such that the position of a pay card 5 taken up therein is accurately and uniquely defined, such that a proper contact between the chip 7 of the pay card 5 and the read-out means 12 is safeguarded.
  • this may be achieved with many different holders 15, four examples whereof are shown in the figures 2A-D. All these embodiments have in common that the holder 15 always comprises at least three abutment surfaces extending mutually predominantly perpendicularly, by means of which the position of a pay card 5 abutting against these surfaces is determined uniquely and accurately in three directions.
  • the holders 15 shown in the figures 1 en 2A-C are ail manufactured from a relatively stiff material, for example plastic.
  • De holder 15 shown in fig.2D is partly manufactured from a relatively flexible sheet material 26, for example from fabric or plastic.
  • the various parts of the read-out device 10 may be fastened thereon in a desired mutual configuration, for example by sealing, gluing or sewing.
  • the advantage of such a partly flexible embodiment is that it may be easily sown together with a wallet 1 along seam 27, as shown in fig. 3D.
  • a suchlike embodiment has a very compact, in particular flat shape. (Incidentally, this also applies to the embodiment according to fig. 2C).
  • a wallet 1 provided with such a flexible read-out device 10 retains its flexibility.
  • such holder 15 generally will be implemented as thin as possible, and possibly flexible, it goes without saying that it will always have a certain thickness dimension, which partly determines the thickness of the wallet 1 in a folded together, or closed state. So as to reduce this thickness at least to a certain extend, the invention, in a closer elaboration, further relates to a system (not shown) whereof the wallet and the read-out device are mutually adapted in such a manner that in the said closed state of the wallet a thickest part of the of the read-out device is situated beside a thickest part of the wallet.
  • the said thickest part of the read-out device 10 is constituted by the clip 16 of the holder 15 thereof and wherein the thickest part of the wallet 1 is constituted by the second partition 3 intended for coins.
  • the said clip 16 and the second partition 3 will rest against, or possibly on top of each other in the folded together state of the wallet 1 , as a result of which it will have a relatively large thickness dimension, which does not benefit the user-friendliness.
  • such thickness dimension of the system may be reduced by making smaller, or possibly lower a height of the second partition 3 with respect to what is depicted in the figure 1, and then such that, in the said folded together state, the said clip 16 is located above this second partition 3 and rests directly against a wall of the said first partition 2 intended for bank notes.
  • the second partition 3 will be smaller than before this does not constitute a main objection, because now the function thereof, being the keeping of coins, at last partly is taken over by the read-out device 10 with pay card 5.
  • the width of the second partition 3 could be adapted, such that in the folded together state of the wallet 1 it is situated next to the holder 5 concerned.
  • the holder 15 shown in figure 1 comes with the advantage that the read-out means 12 may be implemented fourfold and may be positioned in the holder 15 such that at any direction of insertion of the pay card 5 the read-out means 12 makes contact with the chip 7, irrespective of whether the card 5 is placed in the holder 15 upside down and/or back-to-front.
  • a foolproof read-out device 10 is obtained.
  • the read-out devices 10 may be detachably or, on the contrary, inseparably attached to the wallet 1.
  • a number of examples of both possibilities are shown in the figures 3A-E.
  • fig. 3A shows a read-out device 10 the holder 15 whereof predominantly corresponds to that of the read-out device 10 shown in fig.
  • Fig. 3B shows an alternative means of fastening, whereby the holder 15 of the read-out device 10 again has predominantly the same shape as the embodiment shown in fig. 1 , yet with omission of the clip 16.
  • the displaying means 14 is placed on a slightly protruding part 18 of the holder 15.
  • the wallet 1 is provided with a window 20, the dimensions whereof predominantly correspond with the protruding part 18.
  • the read-out device 10 is fastened in the wallet 1 by sliding the holder 15 in the first partition 2, whereby the displaying means 14 and the protruding part 18 reach outward through the window 20.
  • a clamping frame 22 is clipped around the protruding part from the outside, by which the read-out device 10 is clamped in the partition 2,
  • Fig.3C shows yet a further means of fastening.
  • the read-out device 10 shown in this figure comprises a holder 15 as is depicted in fig. 2B and clamping means (18,22) comparable to that described in fig. 3B.
  • the holder 15 comprises two clamping elements 24 projecting on both sides, each provided with a serrated edge.
  • the holder 15 can be clamped in a slot 25 provided in the wallet 1.
  • this slot 25 also serves as lead-in for of a pay card 5 after the read-out device 10 has been placed.
  • Fig. 3D shows a read-out device 10 according to the invention, whereby the various parts have been fitted onto a flexible sheet or piece of fabric 26, as described with reference to fig. 2D.
  • the device 10 can be sown or sealed to the wallet 1, in the first partition 2 in the example shown, indicated by the broken lines 27.
  • windows 20 may again be provided in the wallet 1 for the letting through of the components, in particular the displaying means 12 and/or possibly the on-and-off- switching means 13 and/or the photocell 11.
  • Support 26 may also be provided as a thin plastic plate and, in that case, may be inserted into the wallet 1 through slot 29, for example between the leather of the wallet 1 and an inner lining.
  • Fig. 3E shows an embodiment of a read-out device 10 according to the invention, whereby the holder 15 shows similarity with the holder 15 depicted in fig. 1, yet whereby the clip 16 is replaced by a hairpin-like shaped clamp 28, which is fastened with a first leg near a short side of the holder 15 and, about halfway the wallet 1, is clamped around an upper edge of the first partition 2 with a second leg.
  • the holder 15 makes up a swivelling intermediate partition, wherein a pay card 5 can be taken up in use and the current balance whereof can be immediately readout when the wallet 1 is opened.
  • the read-out device 10 can also be used to read-out the balance of another pay card 5 kept in one of the slot compartments 4A-C, by inserting this pay card 7 in the holder 15 through slot 17 and, possibly, activating the read-out device 10 by way of switch 13.
  • This holder 15 too is preferably provided with a photocell (not shown) and may, furthermore, be printed with certain information such as for example a company logo or similar advertising. AH combinations of parts of the embodiments shown and described in this description are considered to be covered within this description.
  • a system according to the invention may also be applied with different types of pay cards, whereby balance-information is, for instance, stored on a magnetic tape strip in stead of a chip.
  • the strip is to be moved by a read-out device.
  • a suchlike movement may, for instance, be realised by arranging the switching means in such a manner that at the operation thereof by a user the desired sliding motion is automatically realised, for example by arranging the switching means as a slide switch.
  • the folding open of the wallet may be transformed into a movement of the pay card by the readout device or vice versa.

Abstract

The invention relates to a system of a wallet (1) and at least one read-out device, whereby the wallet is arranged for taking up at least one pay card (5) and whereby the at least one read-out device is arranged for reading-out and displaying of balance information stored on such a pay card, whereby the wallet and/or the at least one read-out device are provided with a fastening means for fastening the read-out device in or to the wallet, this such that in use, in the presence of at least one pay card in the wallet, the current balance on this pay card is readable, at least when the wallet is opened.

Description

WALLET WITH READ-OUT DEVICE FOR A PAY CARD
The invention relates to a wallet suitable for taking up at least one pay card. Pay cards are becoming more and more current as replacement for cash. Such pay cards comprise a storage medium, such as, for instance, a chip or a magnetic tape strip, whereto units can be credited or debited. These units represent a certain value, which for example may be expressed in units of currency (such as for example in case of the chip-knip®), a discount percentage (such as for example in case of savings cards of store chains), units of time (such as for example in case of the balance on a phone card) or discrete amounts of products/services due (such as for example in case of a photocopy card). Advantage of a pay card is that it occupies little space and that debts can always be exactly settled with this. A drawback is, however, that a user seldom exactly knows how many units there remain on the card, as a result of which he forgets to timely revalue the card and may thus arrive at unpleasant surprises. Applicant suspects that this lack of insight in the current balance on the pay card is one of the main reasons why many people, despite the advantages of a pay card, all the same still prefer cash.
In order to meet the above-mentioned drawback, read-out contrivances are known, by means of which the credit on a pay card can be read out. For that purpose, one has to take the pay card out of the wallet, insert it into the contrivance, read off the credit and put the card back into the wallet. This is laborious and, moreover, is to be repeated for each update.
The invention aims at providing a wallet suitable for taking up at least one pay card, whereby the above-mentioned drawbacks are removed. According to the invention a wallet is thereto characterised by the measures according to claim 1. By providing the wallet with a read-out device, which can read (out) and display the credit on a pay card taken up in the wallet, at least when the wallet is opened, a user obtains information concerning the current credit on his pay card at a single glance each time when he opens his wallet. Thus, the user obtains the same information that would be presented by cash, without having to perform special operations thereto.
In an advantageous embodiment, the read-out device is integrated into, or at least partly receivable into an (slot) compartment or partition of the wallet intended for a pay card. This presents the possibility to situate a read-out mean of the read-out device such that it can make direct contact with a pay card inserted into the compartment or partition in question in use, without complicated constructions being needed thereto. Moreover, this allows a user to continue using the same partition for keeping his pay card and he does not to have to re-arrange his wallet. With the presently known read-out techniques it is possible to produce such a small and flat read-out device that it will take up no considerable space in said partition.
In an advantageous embodiment, a system according to the invention is characterised by the measures according to claim 3.
By making the read-out device detachably fastenable it may be easily fitted by the user himself into an arbitrary existing wallet on an arbitrary desired position and, moreover, the device may be exchanged between various wallets, if so desired. Suitable detachable fastening means may comprise for example Velcro, (safety) pins, pushbuttons or similar clip- or clamping means, such as for example a clip or a clamp, by means of which the read-out device can be clamped to, for instance, the edge of a partition or slot compartment or opening of the wallet. The read-out device may, of course, also be inseparably attached to the wallet, for example by means of gluing, seaiing, folding, riveting or sowing. In that case, the read-out device is preferably already provided during the manufacturing of the wallet. By doing so, the device may be fully integrated with the wallet and may for example be largely concealed behind a lining, whereby only the displaying means and possible on-and-off-switching means are visible, respectively accessible.
In a further advantageous embodiment, a system according to the invention is characterised by the measures according to claim 7.
Application of a photocell presents the advantage that it does not need to be replaced such as a battery. Moreover, by doing so, separate on-and-off-switching means may be omitted, because the read-out device will be automatically activated by the photocell when light is sufficient, for example by opening the wallet, and in time will switch off automatically in the absence of sufficient light, for example by closing the wallet.
In stead of or in addition to the photocell also a battery may of course be applied, for example a flat button cell. This presents the advantage that the read-out device may be provided with a memory for the storage of, for instance, the most recent balances or expenditures, possibly with a date and/or time.
In case no photocell is applied, or in case active on and off switching of the device is desired, on-and-off-switching means may furthermore be provided. In a preferred embodiment this on-and-off-switching means is designed such that it is automatically operated by opening, respectively closing the wallet. This may for example be realised by means of a sliding contact or by means of a sensor, which detects whether the wallet is opened or closed and based thereon does or does not activate the device. Of course, a switch operable by the user himself may be provided. In a further advantageous embodiment the read-out device comprises an automatic switch-off facility, which switches off the device after pre-determined time period, such that no needless energy goes to waste.
It has appeared to Applicant that the common types of read-out contrivances, when a pay card is taken up therein, consume a non-negligible electric power even in an -apparently- switched off condition wherein the balance is not displayed. At least when powered by a battery, these known read-out contrivances are therefore less suitable to be applied as read-out device in the system according to the present invention.
So as to solve this problem, the invention further provides for a battery powered read-out device, the switching means whereof, in the switched off condition, reduces an electric current load of the battery at least practically to zero. According to the invention the on-and-off-switching means is thereto preferably arranged such that the battery can be completely disconnected electrically from the read-out means, for example by constructing it as a mechanical switch or as a separate electronic on- and-off-switching circuit powered by the battery and with a Reed relay in between the battery and the read-out means. In case of the mechanical switch, it can be operated manually, preferably, however, by the opening and the closing of the wallet of the system. Also, it is possible to integrate the on-and-off-switching means with the readout means, such that it can be activated by moving the pay card to be read out with respect to the read-out device.
Also the invention provides for a system provided with communication means, which is preferably integrated with the read-out device, so as to able to remotely effect the said debiting or crediting of units without the necessity existing to take the pay card out off the wallet. The already known bluetooth® technology is pre- eminently suitable thereto.
Of course, a wallet may also be provided with several read-out devices according to the invention, for example one per slot compartment. If so desired, certain parts, such as the displaying means and the energy source, may in that case be shared by several read-out devices. The displaying means preferably comprises an LCD-display. In case several read-out devices are provided, the present invention also proposes to provide the system with data-exchange means for the exchange of data between the pay cards to be taken up in the separate read-out devices, such as the transferring between them of the said units, for example from a savings account to the known chip-knip©.
The invention further relates to a read-out device for application in a wallet, characterised by the measures according to claim 14.
By means of the fastening means a suchlike read-out device can be easily fitted into or onto a wallet, such that the user, each time when he opens his wallet, obtains information concerning the current credit on a pay card kept in the wallet. Thereby, the wallet is preferably designed such that it comprises at least three mutually predominantly perpendicularly oriented abutment surfaces such that, through abutment against these, the position of a pay card inserted into the wallet is uniquely fixed in three directions. By doing so, it is secured in a simple manner that, at proper insertion of the pay card, the storage medium to be read-out present thereon is always correctly positioned with respect to the read-out means, such that a reliable reading out is possible. In a particularly advantageous embodiment several read-out means may be applied per read-out device, which may be placed 'foolproof, namely such that always one separate read-out means makes contact with the storage medium, irrespective of the direction of insertion of the pay card.
In a further advantageous embodiment, a read-out device according to the invention is characterised by the measures according to claim 19.
By manufacturing the holder from a flexible sheet material, for example fabric or plastic, the read-out device may be easily fastened in a wallet with fitting techniques known in the wallet-producing industry, in particular sowing, such that the existing manufacturing machinery and production lines need hardly or not be adapted. Moreover, by doing so, the read-out device may be constructed even flatter such that it takes up even less space in a wallet and the wallet itself also remains relatively flexible, by which it can be easily put away in a trouser-pocket and the like. In a particular advantageous embodiment the read-out device is provided with a printable surface, suitable for printing with, for instance, a mark or a company logo. By doing so, a read-out device according to the invention may for example be offered as a marketing gadget. It goes without saying that the printable surface is preferably located on or near a part of the read-out device that is visible when in use, for example on or near the on-and-off-switching means, a possible photocell or near the displaying means.
The invention further relates to a wallet suitable for application in a system according to the invention.
In the remaining dependent claims further advantageous possible embodiments of a wallet, a read-out device and a system thereof according to the invention are described.
For further explanation of the invention exemplary embodiments of a wallet and a read-out device according to the invention will be elucidated further with reference to the drawing. Therein shows: fig. 1 in perspective elevation a first embodiment of a system of a wallet and a read-out device according to the invention; fig. 2A-D in perspective elevation a number of alternative embodiments of a read-out device according to the invention suitable for being taken up in several types of wallets; and fig. 3A-E a number of distinctive manners of fastening for fastening a read-out device according to the invention in a wallet and a fastening means provided thereto.
Figure 1 shows a wallet 1 in an opened position provided with a first, open partition 2 for bank notes, a second, closable partition 3 for coins and two slot compartments 4A, 4B for pay cards 5. In a closed position the wallet 1 is folded double, whereby the second partition 3 abuts the slot compartments 4.
It is to be noted that in this drawing description it is each time departed from the above-described type of wallet 1. The invention is, however, applicable to any other type of wallet, as long as such wallet is suitable, that is to say is at least sufficiently large for taking up a pay card. Moreover, the term 'wallet' is to be interpreted broadly in this description. By this, it is meant at least any means for keeping, for example a money bag, purse, hip- wrist- neck- or handbag, belt pouch or credit card folder, wherein a consumer usually carries with him his means of payment, such as coins, bank notes and/or pay cards and/or possible further documents (of value) such as, for instance, a driving license or passport. This enumeration is by no means exhaustive.
In this description it is meant with pay card any card, generally of plastic, provided with a storage medium, such as a chip or a magnetic tape strip, whereto units can be credited or debited. These units generally represent a certain value that entitles the bearer of the card to a certain amount of product and/or service. The pay card 5 shown in fig. 1 is provided with a storage medium 7 in its lower left corner in the form of a chip. The pay card 5 may for example be a chip- knip®, stored with a certain sum of money, expressed in an applicable currency, or a phone card, stored with a certain balance, expressed in telephone units or a unit of time. Fig.1 further shows a read-out device 10, by means of which the number of units stored on the chip 7S hereafter also referred to as balance or credit, can be read-out and displayed. Thereto, the read-out device 10 comprises a read-out means 12, which is positioned such in the read-out device 10 that it makes contact with the chip 7 of a card, which is inserted in the system in use, for the reading-out of balance-information. This information is subsequently passed on to a displaying means 14, in the form of an LCD-display, for presentation to a user. In order to power the read-out and displaying means 12, 14, an energy source 11 is provided in the form of, for instance, a battery and/or a photocell. Furthermore, an on-and-off- switching means 13 may be provided for the switching on and off of the device 10. Operation of the switching means 13 is preferably linked to the opening and the closing of the wallet 1, such that a user does not have to perform additional operations.
The parts of the read-out device 10 are all integrated on a holder 15, which in the example shown in fig. 1 has a flat, rectangular shape, provided with a slot 17 for insertion of a pay card 5. The height H of the slot 17 is preferably somewhat smaller than the height h of the card 5, such that when this card 5 is inserted into the holder 15, an upper edge thereof protrudes. This simplifies identification of the card, as well as the taking out thereof. For this purpose the edge around the input slot 17 may also be cut out locally, as, for instance, shown in figs. 3A,B (cut-out 19). The holder 15 performs a number of functions within the read-out device 10.
Thus, it functions as a support for the various parts of the read-out device 10, by means of which these parts are kept together in a desired mutual configuration and can be placed easily, as a whole in a wallet 1. Thereto, the holder 15 may be provided with a fastening means for detachable or inseparable fastening to a wallet 1. Thus, the fastening means shown in fig. 1 comprises a clip 16, by means of which the holder 15 can be clamped to the longitudinal edge of, for instance, a slot compartment 4A.B, whereby the remaining part of the holder 15 predominantly extends in the slot compartment 4A,B. In that case, the clip 16 is the only visible part of the read-out device 10. Reason why in the embodiment shown in fig. 1 the displaying means 14 and the on-and-off-switching means 13 are provided on the clip 16. Preferably also, room is provided on the clip 16 for a printing, for example a company logo. Furthermore, a photocell may be provided on the clip 16, as replacement of, or besides battery 11. In an alternative embodiment the said parts (displaying means, photocell, printing) may also be provided on another location on the holder 15 and, in which case, the wallet 1 may be provided with one or more windows 20 for letting through the said parts, such as for example shown in fig. 3B-D. Incidentally, the holder 15 with the clip 16 may also be fastened in the first or second partition 2, 3.
Furthermore, the holder 15 provides for a correct positioning of the pay card 5 with regard to the read-out means 12, such that always a proper contact with the chip 7 can occur. Thereto, the holder 15 is designed such that the position of a pay card 5 taken up therein is accurately and uniquely defined, such that a proper contact between the chip 7 of the pay card 5 and the read-out means 12 is safeguarded. Of course, this may be achieved with many different holders 15, four examples whereof are shown in the figures 2A-D. All these embodiments have in common that the holder 15 always comprises at least three abutment surfaces extending mutually predominantly perpendicularly, by means of which the position of a pay card 5 abutting against these surfaces is determined uniquely and accurately in three directions. The holders 15 shown in the figures 1 en 2A-C are ail manufactured from a relatively stiff material, for example plastic. De holder 15 shown in fig.2D, however, is partly manufactured from a relatively flexible sheet material 26, for example from fabric or plastic. The various parts of the read-out device 10 may be fastened thereon in a desired mutual configuration, for example by sealing, gluing or sewing. The advantage of such a partly flexible embodiment is that it may be easily sown together with a wallet 1 along seam 27, as shown in fig. 3D. Moreover, a suchlike embodiment has a very compact, in particular flat shape. (Incidentally, this also applies to the embodiment according to fig. 2C). Besides, a wallet 1 provided with such a flexible read-out device 10 retains its flexibility. Although such holder 15 generally will be implemented as thin as possible, and possibly flexible, it goes without saying that it will always have a certain thickness dimension, which partly determines the thickness of the wallet 1 in a folded together, or closed state. So as to reduce this thickness at least to a certain extend, the invention, in a closer elaboration, further relates to a system (not shown) whereof the wallet and the read-out device are mutually adapted in such a manner that in the said closed state of the wallet a thickest part of the of the read-out device is situated beside a thickest part of the wallet.
For illustrating this, it is referred to the construction of the system in the figure 1, wherein the said thickest part of the read-out device 10 is constituted by the clip 16 of the holder 15 thereof and wherein the thickest part of the wallet 1 is constituted by the second partition 3 intended for coins. In this construction the said clip 16 and the second partition 3 will rest against, or possibly on top of each other in the folded together state of the wallet 1 , as a result of which it will have a relatively large thickness dimension, which does not benefit the user-friendliness. However, in conformity with the closer elaboration of the present invention, such thickness dimension of the system may be reduced by making smaller, or possibly lower a height of the second partition 3 with respect to what is depicted in the figure 1, and then such that, in the said folded together state, the said clip 16 is located above this second partition 3 and rests directly against a wall of the said first partition 2 intended for bank notes. Although, as a result of this the second partition 3 will be smaller than before this does not constitute a main objection, because now the function thereof, being the keeping of coins, at last partly is taken over by the read-out device 10 with pay card 5. In a similar manner, in combination with the read-out device 10 in conformity with one of the figures 2A-2D, specifically the width of the second partition 3 could be adapted, such that in the folded together state of the wallet 1 it is situated next to the holder 5 concerned.
The holder 15 shown in figure 1 comes with the advantage that the read-out means 12 may be implemented fourfold and may be positioned in the holder 15 such that at any direction of insertion of the pay card 5 the read-out means 12 makes contact with the chip 7, irrespective of whether the card 5 is placed in the holder 15 upside down and/or back-to-front. Thus, a foolproof read-out device 10 is obtained. Such as is indicated, the read-out devices 10 may be detachably or, on the contrary, inseparably attached to the wallet 1. A number of examples of both possibilities are shown in the figures 3A-E. Thus, fig. 3A shows a read-out device 10 the holder 15 whereof predominantly corresponds to that of the read-out device 10 shown in fig. 1, whereby, however, the slot 17 for insertion of the pay card 5 is situated on a short side of the holder 15 in stead of on a long side. On a backside the holder 15 is provided with the fastening means, for example glue, double-sided tape, push buttons or Velcro, by means of which the holder 15 can be fastened against the wallet 1 at the location where the coin partition 3 is located in fig. 1. Fig. 3B shows an alternative means of fastening, whereby the holder 15 of the read-out device 10 again has predominantly the same shape as the embodiment shown in fig. 1 , yet with omission of the clip 16. The displaying means 14 is placed on a slightly protruding part 18 of the holder 15. The wallet 1 is provided with a window 20, the dimensions whereof predominantly correspond with the protruding part 18. The read-out device 10 is fastened in the wallet 1 by sliding the holder 15 in the first partition 2, whereby the displaying means 14 and the protruding part 18 reach outward through the window 20. Next, a clamping frame 22 is clipped around the protruding part from the outside, by which the read-out device 10 is clamped in the partition 2,
Fig.3C shows yet a further means of fastening. The read-out device 10 shown in this figure comprises a holder 15 as is depicted in fig. 2B and clamping means (18,22) comparable to that described in fig. 3B. Moreover, near to its upper edge the holder 15 comprises two clamping elements 24 projecting on both sides, each provided with a serrated edge. By these,, the holder 15 can be clamped in a slot 25 provided in the wallet 1. In this case, this slot 25 also serves as lead-in for of a pay card 5 after the read-out device 10 has been placed.
Fig. 3D shows a read-out device 10 according to the invention, whereby the various parts have been fitted onto a flexible sheet or piece of fabric 26, as described with reference to fig. 2D. With this, the device 10 can be sown or sealed to the wallet 1, in the first partition 2 in the example shown, indicated by the broken lines 27. In addition, windows 20 may again be provided in the wallet 1 for the letting through of the components, in particular the displaying means 12 and/or possibly the on-and-off- switching means 13 and/or the photocell 11. Support 26 may also be provided as a thin plastic plate and, in that case, may be inserted into the wallet 1 through slot 29, for example between the leather of the wallet 1 and an inner lining.
Fig. 3E shows an embodiment of a read-out device 10 according to the invention, whereby the holder 15 shows similarity with the holder 15 depicted in fig. 1, yet whereby the clip 16 is replaced by a hairpin-like shaped clamp 28, which is fastened with a first leg near a short side of the holder 15 and, about halfway the wallet 1, is clamped around an upper edge of the first partition 2 with a second leg. Thus, the holder 15 makes up a swivelling intermediate partition, wherein a pay card 5 can be taken up in use and the current balance whereof can be immediately readout when the wallet 1 is opened. Of course, the read-out device 10 can also be used to read-out the balance of another pay card 5 kept in one of the slot compartments 4A-C, by inserting this pay card 7 in the holder 15 through slot 17 and, possibly, activating the read-out device 10 by way of switch 13. This holder 15 too is preferably provided with a photocell (not shown) and may, furthermore, be printed with certain information such as for example a company logo or similar advertising. AH combinations of parts of the embodiments shown and described in this description are considered to be covered within this description.
The invention is by no means limited to the possible embodiments shown in the description and the drawings. Many variations on that are possible within the scope of the invention outlined by the claims. Thus, a system according to the invention may also be applied with different types of pay cards, whereby balance-information is, for instance, stored on a magnetic tape strip in stead of a chip. For reading-out a suchlike magnetic tape strip the strip is to be moved by a read-out device. A suchlike movement may, for instance, be realised by arranging the switching means in such a manner that at the operation thereof by a user the desired sliding motion is automatically realised, for example by arranging the switching means as a slide switch. Further, the folding open of the wallet may be transformed into a movement of the pay card by the readout device or vice versa.
These and many variations are considered to reside within the scope of the invention as expressed in the claims hereinafter.

Claims

1. System of a wallet (1 ) and at least one read-out device (10), whereby the wallet (1) is arranged for taking up at least one pay card (5) and whereby the at least one read-out device (10) is arranged for reading-out and displaying balance information stored on such a pay card (5), whereby the wallet (1 ) and/or the at least one read-out device (10) are provided with a fastening means for fastening the readout device (10) in or to the wallet (1), this such that in use, in the presence of at least one pay card (5) in the wallet (1), the current balance on this pay card (5) is readable, at least when the wallet is opened.
2. System according to one of the preceding claims, whereby the wallet (1 ) comprises at least one slot compartment (2,3,4) for a pay card (5) and whereby the read-out device (10) is dimensioned such that it can be taken up at least partly in this slot compartment (2,3,4) together with a pay card (5) to be kept in the wallet (1) in use.
3. System according to claim 1 or 2, whereby the fastening means is arranged such that with it the read-out device (10) can be detachably fastened in or to the wallet (1).
4. System according to one of the preceding claims, whereby the read-out device (10) comprises a clip (16), a clamping element (24), a separate clamping frame (22) or a clamp (28) for the clamping of at least a part of the read-out device (10) to an edge of an opening (20) and/or a partition (2,3,4) of the wallet (1).
5. System according to claim 1 or 2, whereby the read-out device (10) is inseparably attached to the wallet (1), for example by gluing, sowing, sealing, folding or riveting.
6. System according to one of the preceding claims, whereby the wallet (1 ) and the read-out device (10) are mutually tailored such that in case of a folded or closed wallet (1) a thickest part (16) of the read-out device (10) is situated besides a thickest part (3) of the wallet (3).
7. System according to one of the preceding claims, whereby an energy source is provided for powering the read-out device (10), whereby the energy source preferably is a photocell, which is positioned such with respect to the wallet (1) that it can receive daylight, at least when the wallet (1) is opened.
8. System according to the preceding claim, whereby an on-and-off-switching means (13) is provided for the switching on and off of the read-out device (10).
9. System according to the preceding claim, whereby the on-and-off-switching means (13) is arranged such that it can electrically disconnect the energy source completely from another part (12) of the read-out device (10).
10. System according to claim 8 or 9, whereby the on-and-off-switching means (13) is arranged such that the operation thereof occurs automatically at opening, respectively closing of the wallet (1).
11. System according to claim 8, 9 or 10, whereby the switching means (13) is arranged to automatically switch off the read-out device (10) after a given, predetermined time period.
12. System according to one of the preceding claims, whereby a displaying means (14) is provided, preferably an LCD-display, for displaying balance- information read out by the read-out device (10), whereby the displaying means (14) is situated such with respect to the wallet (1) that it is visible, at least when the wallet (1) is opened.
13. System according to one of the preceding claims, wherein two or more readout devices (10) are provided between which data can be exchanged by means of a data-exchange means.
14. Read-out device for application in a system according to one of the preceding claims, comprising a holder (15) provided with a read-out means (12), a displaying means (14), an energy source (11), possibly an on-and-off-switching means (13) and a fastening means for the fastening of the holder (15) in or to the wallet (1 ).
15. Read-out device according to claim 14, whereby the fastening means comprises a clip (16) or a clamp (28) by means of which the device (10) is fastenable to a longitudinal edge of a partition of a wallet (1).
16. Read-out device according to claim 14 or 15, whereby the fastening means comprises a clamping element (22,24) by means of which the device (10) is clampable in an opening of a wallet (1 ).
17. Read-out device according to one of the claims 14-16, whereby the holder (15) is provided with at least three predominantly mutually perpendicularly oriented abutment surfaces for unique positioning with respect to the read-out means (12) of a pay card (5) placed in the holder (15) in use.
18. Read-out device according to one of the claims 14-1 , whereby the read-out device (10) comprises several read-out means (12), which are positioned such in the holder (15) that a pay card (5) can be placed in the holder (15) in any arbitrary position and still can be read out.
19. Read-out device according to one of the claims 14-18, whereby the holder (15) is at least partly manufactured from a flexible sheet material.
20. Read-oϋt device according to one of the claims 14-19, whereby the energy source (11) comprises a photocell.
21. Read-out device according to one of the claims 14-20, whereby a part of the holder (15) is provided with a printable surface, suitable for printing with for example a company logo.
22. Wallet suitable for application in a system according to one of the claims 1-13, comprising at least a partition (2,3,4) suitable for taking up a pay card (5) and a fastening means provided in this partition for fastening a read-out device ( 0) according to one of the claims 14-21.
23. Wallet according to claim 22, whereby the fastening means comprises at least an opening (20) in a wall of the partition (2,3,4) for passing through of at least a part of a read-out device (10) inserted into the partition (2,3,4) in use.
PCT/NL2004/000095 2003-02-11 2004-02-10 Wallet with read-out device for a pay card WO2004077339A1 (en)

Applications Claiming Priority (2)

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NL1022648A NL1022648C1 (en) 2003-02-11 2003-02-11 Wallet with reading device for a debit card.
NL1022648 2003-02-11

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Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2742247A1 (en) * 1995-12-11 1997-06-13 Gemplus Card Int PORTABLE CHIP CARD READER CAPABLE OF OPERATING THE SAME RANGE
US5748737A (en) * 1994-11-14 1998-05-05 Daggar; Robert N. Multimedia electronic wallet with generic card
US6065674A (en) * 1996-09-06 2000-05-23 Lci Computer Group N.V. Systems for reading the balance of an electronic money card and processes for manufacturing the same

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5748737A (en) * 1994-11-14 1998-05-05 Daggar; Robert N. Multimedia electronic wallet with generic card
FR2742247A1 (en) * 1995-12-11 1997-06-13 Gemplus Card Int PORTABLE CHIP CARD READER CAPABLE OF OPERATING THE SAME RANGE
US6065674A (en) * 1996-09-06 2000-05-23 Lci Computer Group N.V. Systems for reading the balance of an electronic money card and processes for manufacturing the same

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