Abstract: The present invention is a system which enables a user to carry one credit card instead of many. The information pertaining to each credit card account, such as the name of the account, the number of the account, and its expiration date, are encoded on the card, by magnetic means, with a semiconductor memory device, or using any other means of recording data. The owner's name is also encoded on the card, but the card does not bear any visually-perceptible indication of the name of the owner, or of the names of the credit card accounts represented on the card. The invention also includes a microprocessor-based system which accepts the card, determines whether the credit card account selected for use by the owner of the card is valid, and prints a credit card invoice. In an alternative embodiment, only the name and identification number of the owner are encoded on the card, the information for the various credit card accounts being stored in a remotely-located computer. The single card can thus be used in place of a large number of different credit cards.

Abstract: A financial transaction processing system comprising an IC card (6) for use in transaction with a financial body, terminals (21e-24e) communicating with the IC card (6) and centers (21-24) provided for each financial body. The IC card (6) comprises a read only memory (2) for storing data for specifying transaction accounts corresponding to a plurality of financial bodies and data of a single secret number common to the financial bodies. When the IC card (6) is inserted into the terminal, a customer can designate a specific account which he wishes to use, by operating a keyboard (20) provided in each of the terminals. In response to such designation, the corresponding account specifying data is read out from the ROM, but if the corresponding account is not stored in the ROM 2, a transaction can not be made. In addition, the account specifying data as read out and a claimed amount entered by a customer are sent to a center for the financial institutions carrying account where processing for payment is performed. However, if and when the balance is not sufficient, the center instructs the customer to select another account. A random access memory (3) included in the IC card (6) is made to store the amount after payment processing in the center, so that a transaction can be made with a cash dispensing terminal in an offline manner, by using such an IC card (6).

Abstract: A computerized fingerprint matching system is shown for rapidly identifying a person presenting a previously issued identity card to complete a transaction. The user of a credit card, for example, can prove his right to have it in his possession for use in completing a financial transaction and upon proof of his fingerprint identity the system simultaneously makes a record of the transaction. Means are shown to indicate a disapproval of a particular transaction if the account for that card is overdrawn and other means are shown for recording a photograph and a fingerprint of any person in possession of the card when an unauthorized holder of a card presents the card at a card reader station.

Abstract: A method and apparatus for processing a call from a credit card telephone paystation reads magnetic encoded data on a credit card and produces a credit card identification signal. The credit card identification signal is identified as valid prior to enabling the telephone call. Call information data is stored at the telephone paystation including the credit card identification signal, the called number, the time and date of the call and the call duration. The stored call data is transmitted at periodic intervals to a central billing computer upon request by the central billing computer.

Abstract: A method of issuing cards by using a card issuing machine including a memory having stored therein an initial secret code, a card reader and a keyboard. Checking whether a secret code keyed in matches the initial secret code stored in the memory; storing in a memory a code keyed in for associating a first card with the card issuing machine and recording the associating keyed-in code in the first card by the card reader to issue the first card when the two secret codes are found to match; issuing a new card upon confirming a keyed-in first secret code of the first card; and issuing another new card upon confirming a secret code on the new card issued.

Abstract: A transaction or authorization card, such as a credit card, check guarantee card or identification card, includes self-contained devices for verifying that the holder of the card is the owner or authorized user of the card. The verification is made by way of the card itself without any peripheral apparatus such as reader. The card contains data input, memory, analyzer and indicator devices which are all built into and contained integrally in the card. The analyzer is capable of determining whether or not input data corresponds to coded data held in the memory. If the input data does correspond to the coded data, a visual indication of such acceptable status is given by the indicator. If the input data does not correspond to the coded data, a visual indication is given that any transaction involving the card by that card holder should be rejected.

Abstract: A credit card and charge slip are provided which resist credit card fraud. The credit card has auxiliary characters and corresponding dates at which each should be used, the auxiliary characters not being embossed at a copy area as are the numbers of the credit card. A merchant finalizes a credit card purchase by writing the auxiliary character only on the bank copy of the credit slip. The credit slip can be formed with aligned holes in all of the sheets except the bank sheet, so a merchant can write the auxiliary character directly on the bank sheet without even partially separating the sheet.

Abstract: A financial transaction processing system comprising an IC card (6) for use in transaction with a financial body, terminals (21e-24e) communicating with the IC card (6) and centers (21-24) provided for each financial body. The IC card (6) comprises a read only memory (2) for storing data for specifying transaction accounts corresponding to a plurality of financial bodies and data of a single secret number common to the financial bodies. When the IC card (6) is inserted into the terminal, a customer can designate a specific account which he wishes to use, by operating a keyboard (20) provided in each of the terminals. In response to such designation, the corresponding account specifying data is read out from the ROM, but if the corresponding account is not stored in the ROM 2, a transaction can not be made. In addition, the account specifying data as read out and a claimed amount entered by a customer are sent to a center of each of the financial bodies where processing for payment is performed. However, if and when the balance is not sufficient, the center instructs the customer to select other account. A random access memory (3) included in the IC card (6) is made to store the amount after payment processing in the center, so that a transaction can be made with a cash dispensing terminal in an offline manner, by using such IC card (6).

Abstract: A secure credit card formset which insures against customer credit identification falling into unauthorized with normally discarded formset portions is disclosed. The carbon paper slip is formed with a readily severable segment in the zone where the customer's credit card information is adapted to be imprinted. During manufacture, this segment is adhered to the bottom surface of the customer's transaction slip copy so that it is automatically handed in its entirety to the customer with his copy. No portion of the discarded formset stub and carbon paper slip contains the customer's credit card information.