AU728907B2 - Pocket value terminal - Google Patents
Pocket value terminal Download PDFInfo
- Publication number
- AU728907B2 AU728907B2 AU43113/97A AU4311397A AU728907B2 AU 728907 B2 AU728907 B2 AU 728907B2 AU 43113/97 A AU43113/97 A AU 43113/97A AU 4311397 A AU4311397 A AU 4311397A AU 728907 B2 AU728907 B2 AU 728907B2
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- Australia
- Prior art keywords
- card
- chip
- devices
- combination according
- cards
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Classifications
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms 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
- G07F7/10—Mechanisms 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
- G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
- G06K7/0008—General problems related to the reading of electronic memory record carriers, independent of its reading method, e.g. power transfer
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
- G06K7/0013—Methods 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
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
- G06K7/0013—Methods 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
- G06K7/0056—Methods 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
- G06K7/006—Methods 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
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
- G06K7/10—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
- G06K7/10009—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves
- G06K7/10316—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves using at least one antenna particularly designed for interrogating the wireless record carriers
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
- G06K7/10—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
- G06K7/10009—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves
- G06K7/10366—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves the interrogation device being adapted for miscellaneous applications
- G06K7/10376—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves the interrogation device being adapted for miscellaneous applications the interrogation device being adapted for being moveable
- G06K7/10386—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves the interrogation device being adapted for miscellaneous applications the interrogation device being adapted for being moveable the interrogation device being of the portable or hand-handheld type, e.g. incorporated in ubiquitous hand-held devices such as PDA or mobile phone, or in the form of a portable dedicated RFID reader
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/352—Contactless payments by cards
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms 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
- G07F7/0873—Details of the card reader
- G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
- G07F7/0886—Details 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
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- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Business, Economics & Management (AREA)
- Computer Vision & Pattern Recognition (AREA)
- Artificial Intelligence (AREA)
- Computer Networks & Wireless Communication (AREA)
- Health & Medical Sciences (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Toxicology (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Electromagnetism (AREA)
- General Health & Medical Sciences (AREA)
- Credit Cards Or The Like (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Conveying Record Carriers (AREA)
- Telephone Set Structure (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
Description
A
IPOCne"Wit VALE7 RMTIU, The invention relates to a pocket: value terminal that is associated With el&Ctr~iC transaction cards that incorporate a memory, frequently knownz as smart cards or S chip cards, and associated hand-held devices.
The cards consist of a thin rectangular sectionl (typically 85.6 mm, x 53.98 mm x 0.76 m of plastic material into which is imbedded an integrated circuit which contains complex memory and l.ogic circuits, that operate according to various tSO standards and enable the user to conduct a commercial transaction with a service provider. Such integrated circuits are referred hereinafter as 4chlpshI.
Various technologies are used ior bi-di.rectional communication with the Smazt card chips, two of. these methods are kmown as "contact" and OcontactleumQ.
Contact chip cards are supplied with contact pads on the surface of the card that are bonded to the chip. It Is via a phyical electriScal connection to these contact pads that commnlmzication is accomplished. in. contrast, communication to the contactiess card chip is achieved AMENDED SH~E2T WO 98/12674 PCT/GB97/02551 2 remotely via a radio frequency signal transmitted from an external reader, typically over a distance of around 6 to centimetres. Signals are received via a tuned thin wire aerial in the form of a multi layer loop imbedded in the periphery of the chip card and connected to the chip.
The invention can be applied to any number of chip cards utilising the aforementioned technologies and other associated hand-held devices. Such cards can encompass many applications, typical applications would include, financial transaction cards, stored value cards for transport, telecommunications, car parking meters, identity cards and the like. Such cards are individually prepared and used and, generally stated, comprise a separate card for each function.
A multiple chip requirement could be achieved by developing a combination chip that combines various individual chip function characteristics into a single microprocessor chip. Such a combination leads to extra difficulty with respect to the management protocols of the various functions and in some cases would add greatly to the costs. In terms of mass production or otherwise, it WO 98/12674 PCT/GB97/02551 3 also involves considerable design expense because for each form of combination a specially designed chip is required.
Additionally because of the unproven acceptance level of the individual technologies, many service providers are unwilling to risk the success of their technology by combining with another unproven technology. This is particularly evident in the current integration efforts within the Transport and Financial sectors.
Industry observers expect that the migration for service providers from using separate chip cards to a possible final single combination chip card solution would require development through several stages.
Typically these stages would be: Individual cards containing one dedicated chip, to a single card containing two separate chips, to finally a single combination chip combining the features of both technologies.
The invention addresses the need for a mechanism to enable service providers to integrate their technologies during the development phases from independent cards to a 4 possible combination card.
By providing a common interface that is both independent of the technologies and secure for each of the service providers, the long term financial, legal, operational and technological concerns related to the integration of their services can be addressed.
Typical commercial issues with respect to, ownership of.
the card, what powers does the owner have over the data stored on any single application, and who is responsible for establishing the data structures and security mechanisms need evaluation, these. and the economic benefits from shared ownership can be carefully considered before committing to the combination chip architecture.
Previous representative documentation in this field include WO 93/02430 which relates to a pocket-sized electronic travel and commuter pass which can be used for making valid payment of fares in a dual radio-responsive manner, additionally incorporating the use of contact chip cards as a database to be used with internal circuitry to enable the purchase of services and goods via the same radio-responsive method.
US 5434395 relates to a transaction device that is independent of a plug-in data carrier that contains a processor and associated memories that control the device, 5 and an interfacing circuit that identifies, under the control of the plug-in data carrier the compatibility of the plug-in data carrier with another plug-in data carrier and controls the data transfer between the two plug-in data carriers.
FR 2739952 relates to a portable device with transaction details stored in an internal memory, and a means to accept a contact chip card to allow secure transaction from either the internal memory or the memory of the inserted contact chip card, via an interface circuit, with an external transaction terminal by contactless communication.
EP 0670556 relates to a portable device that allows the establishment of a functional remote link from an-inserted contact chip card to an external central unit by at least two communication means such as radio frequency or infrared.
There exists today various hand-held devices in everyday use, these may take the form of a pager, mobile telephone, calculator, electronic wallet, organiser, card value reader, or the like. These devices typically incorporate features such as, a display, input interface, printed circuit board and a processor. The R cards relating to this invention, and the associated handheld devices can be regarded as having their respective MENDED
SHEET
6 communication, memory and processing features concentrated in electronic modules mounted on either plastic cards, or printed circuit boards.
In any event and broadly stated, each of the chip cards relating to this invention can be regarded as a simply suitable encapsulation of a chip and other components as applicable. The encapsulation ensures the integrity of the chip, and its components, and allows such chip cards to be manually handled and, where appropriate, electrically "plugged in" to a device or appliance or simply placed in a slot, e.g. for a financial transaction device inserted in a cash dispenser slot.
Some chip cards can be remotely sensed, interrogated and monitored using so-called "contactless technology".
Already contactless chip cards are used for railway station entries, road toll collections and electronic driving licenses, for example, where the card is simply "shown" at a distance by a holder or mounted on a vehicle, and automatically communicates with a stationary reader or monitor.
The invention also has" application with pagers, mobile phones, calculators, electronic wallets, organisers, card value readers and the like and may be applied to a circuit board that carries one or more chips, and some other Selectrical components where applicable. For the purposes MENDED
SHE
7 defining embodiments of the invention, any of the chip cards and associated hand-held devices where applicable, will be referred to as "pocketable communicating devices" to give an indication to their size, format and function.
According to the invention there is provided a combination of two or more pocketable different discrete communicating devices and each having a respective integrated circuit chip for performing its discrete functions, in which the devices are arranged to be physically associated with one another and operationally independent, and one of the devices is a contactless chip card.
Each device may have a separate chip and a single holder or wallet provided to carry the chips physically close to one another in association with one another.
Each device may comprise a separate supporting card of plastic material and a housing arranged to receive and carry the two or more cards physically close to one another.
In some of the devices the contactless chip card may be formed or carried on the same plastic card as the other or one of the other devices.
SAn aerial for the contactless device may be formed by conductors printed on the, or one of the plastic cards of 8 the other devices.
One of the devices may comprise a manually operable pocket value terminal incorporating an independent microprocessor. One of the functions of the micro-processor is to communicate directly to one or more pocketable communicating devices, or to enable communications between two or more of these devices, when the devices are physically placed close to the microcomputer during the communicating.
The pocket value terminal may be arranged to contain a mechanism for receiving and holding at least two chip cards in position. The pocket value terminal preferably includes a facility to communicate to and/or between at least a chip card and the microcomputer, in which case the contact chip card is electrically connected during the communication process by exposed contacts to the pocket value terminal.
The pocket value terminal preferably also has embedded multi-pin connectors connectable to other appliances.
The housing may comprise a wallet arranged to contain the pocket value terminal.
In a combination, one of the devices preferably comprises a commonly used electrical device that fits into a 9 person's pocket.
One of the devices preferably contains a central microprocessor card. The central micro-processor card may be provided with the means for communicating directly to a chip in another card physically placed adjacent the central micro-processor card during the communicating.
A device may be arranged to contain the central microprocessor and have a mechanisms for receiving and holding other cards with similar chips in position.
A chip card value reader may be provided and arranged to display the value residing in the memory of a chip card when physically placed within the device.
A holder or a wallet may be arranged to control and transfer value or data between various other cards physically placed adjacent the central micro-processor, or other specific security arrangements into a common access area within the central micro-processor.
Embodiments of the invention will now be described by way of example with refereidce to the accompanying schematic drawings in which:- Figure 1 is an isometric top view of a pocket value terminal and embedded connectors; r
'.V
0 Ujj 10 Figure 2 shows an isometric top view of a printed circuit board for the device and containing the central microprocessor and contactless chip; Figure 3 shows an isometric bottom view of the printed circuit board for the device; Figure 4 shows an isometric bottom view of the terminal; Figure 5 shows an isometric bottom view of an ISO 7816 type contact chip card; Figure 6 shows an isometric top view of a Mini or SIM type contact chip card; Figure 7 is a clip-on battery pack for the terminal; Figures 8a and 8b is the pocket value terminal connected to a Cellular Telephone handset; Figure 9 is the pocket value terminal connected to a PSTN telephone and modem; and Figure 10 is the pocket value terminal connected to a personal computer.
An industry standard 68 pin PCMCIA connector 14, embedded 1 S, at one end of the case 10 allows connection to various AENDED SHEE1 11 communication appliances such as a personal computer via its PCMCIA or RS232 slot in the normal way (see Figure Referring to the drawings, the terminal is provided in a laminar shaped pocketable case 10, having an area approximately equal to a normal credit card, and provided with a liquid crystal display 11 and a keypad 12. This connector 14 can also enable the terminal to be electrically connected to a flat battery pack 15 which is mounted in a container 16 that forms a convenient support or mounting for the case 10. Another multiple pin connector 25 is embedded at the other end of the case to facilitate connection to mobile phones and other communication devices. The case 10 can also connect to various appliances such as a mobile phone, or personal computer. In the latter case, the case 10 will connect into a compatible computer slot, preferably the 68 pin PCMCIA slot or the RS232 slot of the personal computer in a normal way (see Figure In Figure 3, a printed circuit board 17 is mounted with a type. ISO 7816 contact chip connector 13 and a second Mini or SIM type contact chip connector 18 into which can be inserted a Mini or SIM contact chip card 19.
RAF1 A micro-processor 24 of the terminal mounted on the S 25 printed circuit board 17 enables direct communication with p «t c u
^EOE
12 contact chip cards 19 and 22 inserted into the contact chip connectors 18 and 13. In use the chip cards 19 and 22 are programmed to communicate in a totally secure manner with the terminal according to a known Mondex (trade mark) system, or other similar chip card systems.
In accordance with the embodiments of the invention, a contactless chip circuit is provided and comprises a separate contactless chip 20 and an aerial 21 mounted and formed on the printed circuit board 17 respectively. The chip 20 is totally separated from and independent of the micro-processor 24 and the aerial 21 is also electrically isolated from the micro-processor 24. Indeed, as a matter of convenience to maintain overall versatility, the contactless chip card is preferably formed in a separate manufacturing or assembly operation, before the microprocessor 24 and its components have been added to the plastic board. Encapsulation with resin, for example, may however take place after both the microcomputer 24 and the contactless chip 20 have been mounted to the same printed circuit board.
In Figure 5, a second contact chip card 22 is shown. The contact chip card 22 -fits in position, opposite the contact chip connector 13, when the card 22 is inserted in between the rear of case 10 and the battery pack According to the Mondex (trade mark) system, the second card 22 may belong to another person, and the arrangement Aivicx~auUi b~-1U 13 enables, via a separate communication link between the contact chip cards 19 and 22, and micro-processor 24, transfer of cash values between the cards in accordance with the instructions manually initiated by the keyboard 12 of the terminal. In this way, cash can be transferred, typically cash for goods and services, between two persons. As mentioned earlier, these arrangements allowing secure transfer of cash values between two chip cards are already known as such.
In terms of embodiments of the invention, the described arrangement represents a typical example, where the contactless chip card is used for example for purchasing rail journeys or ticketless flight reservations. The user of the described device can carry out transactions using a contact chip cards, such as obtaining cash at a cash dispenser or transferring money to another like card holder, these value or data transfers can also be effected by connecting the pocket value terminal to a Cellular Mobile Phone, as shown in Figs 8a and 8b, enabling the transfer between the contact card inserted in the pocket value terminal and the financial institution to be completed remotely over the digital cellular network via the embedded connector A typical cellular system would be the Global System for 25 Mobile communications (GSM) utilising the Short Message S Service and Over The Air data transfers possible under E/O TAENDED SHE 14 Phase 2+ of the GSM Standard.
The user can also obtain information via the terminal's display, relating to the remaining value stored on the contact chip card or the most recent transactional data.
In addition, in a contactless mode, a holder may also obtain information relating to the remaining value stored on the contactless chip card or the most recent transactional data or may enter and leave a railway station, or board an aircraft without the need for a conventional air ticket. The contactless chip feature may also be devised and used as an identity card for entry to a "secure" office, for example.
Additionally, the user, when conducting transactions with either the contact card or the contactless card features of the terminal, can accumulate loyalty points that have a predetermined relationship to the value of his purchases with either the contact card, or the contactless features of the terminal.
These points can be converted by the relevant service provider into a value format (such as an encrypted Redeemable Certificate), that can be stored in a publicpartition of the micro-processor 24, th atis accessible by either or both the contact card service provider and the contactless card service provider, and used jointly or severally by the service providers for distribution AMENDED SHE 15 between themselves and/or with the users. The redemption of this value can thus be negotiated between the service providers central clearing house settlement operations in a secure independent manner, thus providing a mechanism to address any security concerns that may arise between them.
The contactless device in the described embodiment is formed on the same plastic board that support the terminals' electronic components. In other applications the contactless device may be formed on a same printed circuit board that supports pager, mobile telephone, calculator, card value reader, electronic wallet or organiser, electronic components. On the other hand, the contactless device may be quite separate, as well as being also discrete in the manner above, and so simply placed or used in proximity with the chip boards of the other "communicating" devices, which devices include the terminal (as described) that communicates with chip cards such as 19 and 22.
In any event it will be appreciated that in embodiments of the invention the contactless function is a kind of "addon" to a communicating device, such as a pocket value terminal, say. There are at least three.advantages with providing such an arrangement. Firstly, there s no nee-d to re-design and technically prove the contact chip or the :j P 25 contactless chip as they are known and generally available per se. Secondly, several different kinds of contactless A v S o
K^.
16 chip cards can be selected and added to one of a variety of contact chip cards. Thirdly, because there are no battery requirements for contactless operation, or generally, the contactless function can be provided next to a standard printed circuit of a pager, a mobile telephone, a calculator, a card value reader, an electronic wallet, an electronic organiser or other devices. As such, the pager and so forth can be used for its normal function and also used to obtain entry to a railway station using the incorporated or added-on contactless chip card feature.
A further advantage of maintaining the chip functions separate is that it maintains privacy and security between the respective service providers and/or users. These issues can be addressed by the development of an independent relationship structure between the respective central clearing house operations of the service providers.
It will be noted that the user or holder of the described device may be informed, using the micro-processor 24, of the status of the value remaining on his chip card and has means of privately obtalning the most recent transactional data relating to his cards. At present means for accessing this information are generally located at the service provider, and in many cases such information is not easily available.
2 ~Jv'.
i W Ut IAUa4kabhw W 17 Instructions relating to all the foregoing can be carried.
out by the combined use of the display and key input features of the pocket value terminal.
Other variations based on the pocket value terminal can be provided to enhance its overall usefulness. The pocket value terminal may be connected to an information system for the transfer of data and/or value via either of the two embedded multi-pin connectors 14 and 25 provided on the terminal. In one arrangement the pocket value terminal may be connected to an information system via the 68 pin PCMCIA connector 14. The information system could be accessed by an appliance such as a personal computer, personal digital assistant, or any other device that contains a connecting slot that is compatible with the terminal's 68 pin PCMCIA connector and associated unique connector alignment profile.
Alternatively the information system may be accessed by means of a telephone network. To achieve this the terminal is connected to the telephone network via a telephone handset, which may be a mobile phone or a special. handset designed for the purpose. The most recent of mobile digital telephones are equipped with data transfer connection slots, to which the pocket value terminal is connected in use by the second embedded multi- -2~QA pin connector 25 located on the periphery of the terminal, j as shown in Fig 8a, the data transfers are enabled by AMENDED SHi 18 integrating proprietary software drivers provided by the cellular handset manufacturers into the pocket value terminal that are compatible with the communication protocols of the cellular handset.
Alternatively the pocket value terminal can be connected via the 68 pin PCMCIA connector 14 to mobile digital telephones or other hand-held digital communication devices that are appearing with PCMCIA compatible slots located at the base or side of the cellular handset as shown in Fig 8b.
A similar configuration is possible with a telephone handset connected to the Public Switched Telephone Network (PSTN) incorporating a modem designed for data transfers, as exhibited in Fig 9.
In any of these data transfer arrangements the pocket value terminal contributes a significant increase in computing capacity via the central micro-processor, not available to chip cards in their independent state. This increased computing power enables the pocket value terminal to act as an "intelligent" partner to a relatively simple chip card, by performing the functional workload such as implementation of security measures, typically full asymmetric cryptography which demand large computing facilities.
N~AEaO:u A further consideration is the need for the pocket -value terminal to have a sufficiently large electrical power source. This is achieved with a large capacity plug-in power pack which may be rechargeable, and is of a fo rmat that does not contribute significantly to the terminal's weight or bulk as shown in Fig 7, connection to the pocket value terminal may be via the 68 pin connector 14.
Additionally, the pocket value terminal, maintains in-such a data transfer configuration, the feature available in previous embodiments, of being able to accommodate several chip cards simultaneously, and to be able to communicate to or between the inserted chip cards and the information systems. This can result in the transfer of value via the communication system, typically between a chip card and a f inancial institution. The remaining value residing on the chip card can be read from the terminal's display, prior to the removal of the card* from the pocket value terminal, and the card then used in a no rmal transactional manner.
in a further embodiment the pocket value terminal is used.
in a communication system connectable to an interactive market, or similar virtuel1 network. This may be via the prev-i-eus-y-described- transmi-s -i-onr-sys tems-or--by--ns-smarket devices, specially designed for this interactive medium. Such devices include TV set-top boxes and Internet connecting devices. By connecting the pocket 20 value terminal to these devices, small value payments can be transferred instantaneously from the inserted chip card for services such as pay to view movies, or specially televised sporting events. It is also possible to use the pocket value terminal for payments over the Internet for a multitude of goods and services that are and will be available from this medium. Typically the majority of payments via these networks are "micro-payments", being of small value and not economically transacted by conventional credit card means due to the relative high cost of the associated transaction accountability.
Instructions relating to all the foregoing connections with the communicating systems can be carried out by the combined use of the display and key input features of the pocket value terminal or the computer terminal, telephone or other connected device.
The foregoing value transfer facilities address the need for a compact device with embedded connectors that enables seamless connectivity to the various communication platforms without the need for peripheral equipment.
Computers and digital technology have opened new markets that require secure and swift remote payment arrangements.
Remote payments need high-levels of security to guarantee protection against counterfeit and fraud, against A~M:u 21 criminals or computer hackers, who would seek to intercept or divert value transfers between legitimate parties. It is obvious that with the potential for exponential growth of remote payments via virtual networks, the requirement for improved security is essential.
In some or most embodiments it is necessary to have a security facility. This is generally an underlying requirement for most users of cash transactions. Advanced card systems use cryptographic safeguards in conjunction with personal identification of the user. Personal identification systems are generally base don three parameters associated with, something someone knows such as a personal identification number (PIN), something that someone has, such as a badge or card, or some biocharacteristic of the individual, such as a fingerprint or speech pattern.
In an embodiment of the invention the pocket value terminal with the plug-in battery pack shown in Fig 7 attached, is provided with a biometric template of the card user based on his fingerprint, voice of other such data. This template is used to compare real time input of corresponding biometric data from the user, prior to the use of the card. A positive result of this biometric comparison creates a time based link to the activation of 2Z the value segments of the inserted chip card. After i removal of the plug-in power pack from the 68 pin 22 connector, the pocket value terminal can be inserted into a compatible connecting slot in a personal computer to complete the value transfer within the designated period.
Alternatively the pocket value terminal with the plug-in powerpack attached can be connected to a compatible telephone via the multi-pin connector 25. The biometric authentication can be carried out whilst connected to the telephone network or independently and then connected to the telephone network, as previously explained.
In all cases transfers are not possible unless both the user has been accepted by the biometric authentication process, and the user's chip card is inserted into the pocket value terminal while the pocket value terminal is connected to the PC computer or compatible telephone.
Removal of the chip card from the pocket value terminal will terminate the connection.
The action of the biometric authentication together with the unique identifier relating to the integrated circuit of the inserted chip card may also be used to produce a session key for the transaction period selected by the user during the authentication process. This session key further enhances the security that presently exists in some chip card transaction protocols. For each new log-on TR4" to the communication system a new session number is generated, and only for the period decided by the user.
AMENDED SHEI 23 Additionally the memory may be expanded for more involved biometrics by storing the biometric template on any of the emerging mini format flash memory card that can be an additional plug-in device to the pocket value terminal.
It will be appreciated that whereas a certain contactless device has been described with a chip mounted on a board and an aerial formed, by printed circuit or other technique, on the board, other contactless arrangements may be used. Such other contactless arrangements include cards that are read during proximate inductive couplingwhere the card is normally presented quite closely up to or near a reader. In all cases, the contactless device is any device that does not actually electrically contact the reader directly and is a separate or separately operable device, as explained in the specification.
A~MENOED SI-I'd
Claims (14)
1. A combination of two or more pocketable different discrete communicating devices and each having a respective s integrated circuit chip for performing its discrete function, the devices being closely physically associated with each other, in which the devices are electrically isolated and independent from one another, and one of the devices is a passive contactless device. S*
2. A combination according to claim 1, in which each of S*the devices has a separate chip and a single holder or wallet is provided to carry the chips physically close to one another in association with one another.
3. A combination according to claim 1, in which each of the devices is formed on or carried by a respective single printed circuit board.
4. A combination according to any of claims 1 to 3, in which an aerial for the contactless device is formed by conductors printed on a or the printed circuit board.
A combination according to any of claims 1 to 4, in which one of the devices contains a central micro-processor card. 25
6. A combination according to any of claims 1 to 5, in which one of the devices contains a central micro-processor card.
7. A combination according to claim 6, in which the central micro-processor card is provided with the means for communicating directly to a chip in another card physically placed adjacent the central micro-processor card during the communicating.
8. A combination according to claim 6 or 7, including a device arranged to contain the central micro-processor, the device having mechanisms for receiving and holding other cards with similar chips in position. 0*o*
9. A combination according to claim 6, including a device ooooo0 arranged to contain a clip-on re-chargeable battery pack, to supply electrical power.
10. A combination according to claim 9, including a chip card value reader arranged to display the value residing in the memory of the chip of a card physically placed within the device.
11. A combination according to claim 9, including a wallet arranged to securely transfer loyalty value via the central S micro-processor, between various other cards physically placed adjacent the central microprocessor. 26
12. A combination according to claim 9, including an embedded connector that enables connectivity to cellular mobile phones or household phones to facilitate the transfer of data or value via the telecommunications network between financial institutions or other card holds to cards physically placed adjacent the central'processor.
13. A combination according to claim 9, including an embedded connector that enables connectivity to personal computers or other hand-held digital communication devices to facilitate the transfer of data or value via the connected computer communication network between financial institutions or other holders to cards physically placed adjacent the central processor.
14. A combination of two or more pocketable different discrete communication devices and each having a respective integrated circuit chip for performing its discrete function, said combination substantially as hereinbefore described with reference to 15 is Figs. 1-10 of the accompanying drawings. DATED this Sixteenth Day of October, 2000 Wave Holdings Limited Patent Attorneys for the Applicant 20 SPRUSON FERGUSON *oo ooo• o*o R:LIB U]072 36.doc: %xb
Applications Claiming Priority (5)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| GB9619708 | 1996-09-20 | ||
| GBGB9619708.2A GB9619708D0 (en) | 1996-09-20 | 1996-09-20 | Pocket value terminal |
| GB9624147A GB2317484B (en) | 1996-09-20 | 1996-11-20 | Pocket value terminal |
| GB9624147 | 1996-11-20 | ||
| PCT/GB1997/002551 WO1998012674A2 (en) | 1996-09-20 | 1997-09-18 | Pocket value terminal |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| AU4311397A AU4311397A (en) | 1998-04-14 |
| AU728907B2 true AU728907B2 (en) | 2001-01-18 |
Family
ID=26310076
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| AU43113/97A Ceased AU728907B2 (en) | 1996-09-20 | 1997-09-18 | Pocket value terminal |
Country Status (7)
| Country | Link |
|---|---|
| EP (1) | EP0934576A2 (en) |
| JP (1) | JP2001500652A (en) |
| CN (1) | CN1238055A (en) |
| AU (1) | AU728907B2 (en) |
| BR (1) | BR9711514A (en) |
| CA (1) | CA2266373A1 (en) |
| WO (1) | WO1998012674A2 (en) |
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- 1997-09-18 EP EP97941087A patent/EP0934576A2/en not_active Withdrawn
- 1997-09-18 CN CN97199905.8A patent/CN1238055A/en active Pending
- 1997-09-18 AU AU43113/97A patent/AU728907B2/en not_active Ceased
- 1997-09-18 WO PCT/GB1997/002551 patent/WO1998012674A2/en not_active Ceased
- 1997-09-18 BR BR9711514-2A patent/BR9711514A/en not_active Application Discontinuation
- 1997-09-18 JP JP10514408A patent/JP2001500652A/en active Pending
- 1997-09-18 CA CA002266373A patent/CA2266373A1/en not_active Abandoned
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| WO1993002430A2 (en) * | 1991-07-17 | 1993-02-04 | Ward, William | Electronic travel pass |
Also Published As
| Publication number | Publication date |
|---|---|
| WO1998012674A3 (en) | 1998-07-23 |
| AU4311397A (en) | 1998-04-14 |
| CN1238055A (en) | 1999-12-08 |
| EP0934576A2 (en) | 1999-08-11 |
| WO1998012674A2 (en) | 1998-03-26 |
| CA2266373A1 (en) | 1998-03-26 |
| BR9711514A (en) | 2000-01-18 |
| JP2001500652A (en) | 2001-01-16 |
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| FGA | Letters patent sealed or granted (standard patent) | ||
| MK14 | Patent ceased section 143(a) (annual fees not paid) or expired |