Browse Prior Art Database

Holographic Credit Card Patterns for the Prevention of Fraudlent Card Usage

IP.com Disclosure Number: IPCOM000106698D
Original Publication Date: 1993-Dec-01
Included in the Prior Art Database: 2005-Mar-21
Document File: 2 page(s) / 50K

Publishing Venue

IBM

Related People

Clabes, JG: AUTHOR [+2]

Abstract

One of the major types of fraud committed with stolen credit cards is the altering of the embossed card number to correspond to a valid working number. A scheme is proposed that will make it very difficult to have the changed embossed number agree with a second large number on the card produced by a hologram.

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This is the abbreviated version, containing approximately 60% of the total text.

Holographic Credit Card Patterns for the Prevention of Fraudlent Card Usage

      One of the major types of fraud committed with stolen credit
cards is the altering of the embossed card number to correspond to a
valid working number.  A scheme is proposed that will make it very
difficult to have the changed embossed number agree with a second
large number on the card produced by a hologram.

      The main feature of the present invention is to provide a means
for assuring that the altered embossed number will not appear as a
valid account for a card that has been stolen/lost and invalidated by
the bank.  The fraudulent alteration is meant to correspond to a
valid card number.  Our solution to the problem is one that makes the
merchant responsible for checking the consistency of two numbers on
the card, one of which is extremely difficult to alter or deface or
become unreadable.  The embossed number will remain where it is
currently positioned on the card or be moved to the top portion of
the card.  The magnetic stripe remains and will serve the same
function as it does presently.  In addition, each card will contain a
hologram which takes up most of the remainder of the card area.  The
optically reconstructed hologram pattern consists of the same numbers
as the embossed numbers but will appear much larger than the latter.
It is a feature of holograms that they are very difficult to alter.
Damage to a small or even not so small section does not alter the
over...