Multiple card data system having first and second memory elements including magnetic strip and fingerprints scanning means

A multiple card data system comprising

• a user card having
• a magnetic strip for storing machine-readable provider data, and
• data memory means for storing, a machine-readable data set unique to a user, said data memory means spaced from said first magnetic strip,
• a rechargeable power cell embedded in said user card,
• an electromagnet embedded in said user card electrically connected to said power cell,
• a microelectronic clip for directing said power cell to energize said electromagnet to create a magnetic field, and
• a portion of said magnetic strip overlaying a portion of said electromagnet so that, upon creation of a magnetic field by said electromagnet, data encoded in said overlaying portion of said magnetic strip is erased,
• means for charging said power cell in said user card, and
• a data management device having
• means for reading provider data on said magnetic strip on said user card and said unique user data set on said data memory means on said user card,
• storage means for storing comparison data related to said unique user data on said data memory means,
• comparison means for comparing said unique user data on said data memory means on said user card with said comparison data on said storage memory means to generate an authentication signal upon favorable comparison of said unique user data set on said data memory means with said comparison data on said storage memory means,
• sensor means for scanning fingerprints to generate an electronic representation of a scanned fingerprint,
• means for activating said sensor means in response to generation of said authentication signal by said comparison means,
• fingerprint memory means for storing an electronic digital representation of a user's fingerprint,
• means for comparing the electronic representation of a scanned fingerprint with the electronic digital representation of a user's fingerprint to generate a validation signal upon favorable comparison of the electronic representation of a scanned fingerprint with the electronic digital representation of a user's fingerprint, and
• a provider data set retrieval system comprising
• means for activating said provider data set retrieval system in response to generation of said validation signal,
• means for reading a provider data set contained on a provider data card,
• data set memory means for storing a plurality of provider data sets, and
• means for writing a duplicate of a provider data set from a provider data card on said magnetic strip on said user card.

A multiple card data system comprising

• a user card having
• a first magnetic strip for storing machine-readable provider data, and
• a second magnetic strip for storing a machine-readable set unique to a user,
• said second magnetic strip spaced from said first magnetic strip,
• a rechargeable power cell embedded in said user card,
• an electromagnet embedded in said user card electrically connected to said power cell;
• a microelectronic chip for directing said power cell to energize said electromagnet to create a magnetic field, and
• a portion of said first magnetic strip overlaying a portion of said electromagnet so that, upon creation of a magniietic field by said electromagnet, data encoded in said overlaying portion of said first magnetic strip is erased,
• means for charging said power cell in said user card, and
• a data management device having
• a slot having an opening and a distal end opposite said opening sized to receive freely said user card,
• means for stationary disposition of said user card in said slot,
• means for activation of said data management device adjacent said distal end of said slot,
• a data card reader/writer having,
• a motor anchored to said data management device,
• a rotatable drive shaft controlled by said motor, said drive shaft having opposing ends and a first pair of pulleys attached one to each said end,
• a rotatable cooperating shaft disposed parallel to said drive shaft anchored to said data management device, said cooperating shaft spaced from said drive shaft substantially at least the length of a magnetic strip on a data card, said cooperating shaft further having opposing ends and a second pair of pulleys attached one to each said end,
• flexible means running between said first pair of pulleys and said second pair of pulleys for simultaneous rotation of said second pair of pulleys upon rotation of said first pair of pulleys,
• a cross bar disposed parallel to said drive shaft attached to said flexible means moveable between and parallel to said drive shaft and said cooperating shaft, said cross bar having a first read/write head for reading and writing on said first magnetic strip and a second read/write head for reading and writing on said second magnetic strip on said user card,
• a spring having a first end attached to said cross bar biasing said cross bar towards said drive shaft, movement of said cross bar towards said cooperating shaft tensioning said spring,
• means for activating said motor for movement of said cross bar towards said cooperating shaft, and
• means for cutting power to said motor when said cross bar moves near said cooperating shaft so that said spiring returns said cross bar to a position adjacent said drive shaft,
• said data management device further having means for reading provider data on said first magnetic strip on said user card and said unique user data set on said second magnetic strip on said user card,
• storage means for storing comparison data related to said unique user data set on said second magnetic strip,
• comparison means for comparing said unique user data on said second magnetic strip with said comparison data on said memory means to generate an authentication signal upon favorable comparison of said unique user data set on said second magnetic strip with said comparison data on said memory means,
• sensor means for scanning fingerprints to generate an electronic representation of a scanned fingerprint,
• means for activating said sensor means in response to generation of said authentication signal by said comparison means,
• fingerprint memory means for storing an electronic digital representation of a user's fingerprint,
• means for comparing the electronic representation of a scanned fingerprint with the electronic digital representation of a user's fingerprint to generate a validation signal upon favorable comparison of the electronic representation of a scanned fingerprint with the electronic digital representation of a user's fingerprint,
• display means for displaying visually readable indicia,
• input means for controlling said data management device, and
• a provider data set retrieval system comprising
• means for activating said provider data set retrieval system in response to generation of said validation signal, means for reading a provider data set contained on a provider data card,
• data set memory means for storing a plurality of provider data sets, and
• means for writing a duplicate of a provider data set from a provider data card on said first magnetic strip on said user card.

A time-delayed erasable data card comprising

• a data card having a magnetic strip,
• a rechargeable power cell embedded in said data card,
• an electromagnet embedded in said data card electrically connected to said power cell,
• means embedded in said data card for directing said power cell to energize said electromagnet to create a magnetic field,
• means for charging said power cell, and
• a portion of said magnetic strip overlaying a portion of said electromagnet so that, upon creation of a magnetic field by said electromagnet, any previously encoded data in said overlaying portion of said magnetic strip is erased.

A data card reader for reading a data card leaving a first magnetic strip and a second magnetic strip spaced from the first magnetic strip, comprising,

• a motor,
• a rotatable drive shaft controlled by said motor, said drive shaft having two opposing ends and a first pair of pulleys attached one to each said end,
• a rotatable cooperating shaft disposed parallel to said drive shaft, said cooperating shaft spaced from said drive shaft substantially at least the length of a magnetic strip on a data card, said cooperating shaft further having two opposing ends and a second pail or pulleys attached one to each said end,
• flexible means running between and connecting said first pair of pulleys and said second pair of pulleys for simultaneous rotation of said second pair of pulleys upon rotation of said first pair of pulleys,
• a cross bar disposed parallel to said drive shaft and attached to said flexible means moveable between and parallel to said drive shaft and said cooperatng shaft, said cross bar having a first read head for reading the first magnetic strip and a second read head for reading the second magnetic strip on the data card,
• a spring having a first end attached to said cross bar biasing said cross bar towards said drive shaft, movement of said cross bar towards said cooperating shaft tensioning said spring,
• means for activating said motor for movement of said cross bar towards said cooperating shaft, and
• means for cutting power to said motor when said cross bar moves near said cooperating shaft so that said spring returns said cross bar to a position adjacent said drive shaft.

A data card reader for reading a data card having a first magnetic strip and a second magnetic strip spaced from the first magnetic strip, comprising

• a rigid framework having a first guide member and a second guide member parallel to said first guide member,
• each said guide member having a longitudinal slot,
• a cross bar having a first end and a second end, said first end of said cross bar slidingly disposed within said slot of said firt guide member, said second end of said cross bar slidingly disposed within said slot of said second guide member, said first end of said cross bar further hvaing a knob located outside of said slot of said first guide member,
• means for holding said cross bar sliding normal to said guide members,
• said cross bar having a first head means for reading the first magnetic strip and a second head means for reading the second magnetic strip,
• said cross bar movable between a first position and a second position spaced from said first position substantially at least the length of a magnetic strip on a data card.

A method for allowing a single user card to act as a substitute for any one of a multiple of provider data cards, which comprises

• supplying a user card for transactional interfacing with a data management device, said user card having
• first memory means for rerecordably storing a machine-readabI provider data, and
• second memory means for storing a machine-readable data set unique to a user, said second memory means spaced from said first memory means,
• storing comparison data related to said unique user data set on storage means on a data management device,
• comparing said unique user data set on said user card with said comparison data on said storage means on said data management device,
• generating an authentication signal upon favorable comparison of said unique user data set on said user card with said comparison data on said storage means on said data management device,
• activating a sensor means for scanning fingerprints in response to said authentication signal,
• storing an electronic digital representation of the user's fingerprint in a fingerprint memory means on said data management device,
• scanning a fingerprint to create an electronic representation of the fingerprint,
• comparing the electronic representation of the fingerprint with the stored electronic digital representation of the user's fingerprint,
• generating a validation signal upon favorable comparison of the electronic representation of the fingerprint with the stored electronic digital representation of tle user's fingerprint,
• activating a provider data set retrieval system in response to said validation signal,
• reading provider data sets contained on a plurality of provider data cards,
• storing said provider data sets on a data set memory means on said data management device, and
• writing a duplicate of a provider data set from a single provider data card on said first memory means on said user card.