CA1262962A - Personalising process for portable substrates, such as cards - Google Patents

Abstract

According to the invention, the method consists in writing personalization information in each card before it is put into service. For a mixed card, personalization information is written on the magnetic strip at the work station (P1), on the card itself, for example by stamping at the work station (P2), and in the memory of the card at the station. of work (P3).

Description

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PROCESS FOR PERSONALIZED ~ S ~ POOR POORTS
SUCH AS MAPS
The present invention has for oDje ~ n process for customize portable media such as cards.
The rise of magnetic track cars and now electronic microcircuits (micro processor and memory), i ~ poses an automation to the manufacturing to satisfy it the needs of a consumer market.
Generally, at least two must be distinguished s.ades prior to the circulation of a card:
the stage of manufacture and the stage of customization.
The first stage, carried out by the manufacturer, consists of equip the card with constituted electronic microcircuits for example of a microprocessor and a memory programmable, and possibly one or more tracks magnetic.
The second stage is generally carried out by authorized issuing bodies which purchase the cards thus manufactured to distribute them to their future users. Before distribution, these organizations carry out customization operations that consist of writing in the information card to identify the organism issuer and future user of this card, and for fi ~ the conditions and limits of use of ~ the char.
This personalization information is written in the memory of the electronic microcircuits of the card, by stamping on the card, and possibly on the tracks magnetic.
The invention relates to a method for designing these customization operations in a university, we automatic to obtain an adapted production rate at a ~ rand public market and more specifically for ~~
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object a process for personalizing at least one support portati ~ such as a norma] .isée card fitted with electronic microcircuits such as circuits processing and a memory, of the type consisting in writing on the card and in its memory information from personalization allowing both to identify the authorized body issuing the cards and the future users of these cards, and to set the conditions and the limits for the use of cards, characterized in that that it consists:
- to constitute a central file gathering n groups (attributable personalization information respectively to n users, - to read the first group of information and to associate it to a first card to personalize, - extract from this group the information to be written in card memory, - write this information in memory, - extract from this group the information to be written on the card, at least one of which is correlated to information written in memory, ~ - to write on the card, for example by stamping, said information, - and to repeat these operations automatically for (nl) other information groups associated with (nl) other cards. ~
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Other features, benefits and details will emerge from the explanatory description which follows, made with reference to the accompanying drawings in which:
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- Figures 1 and 2 illustrate diagram ~ tiqueme ~ t characteristics of ~ not car-te to which applies ~ ue process according to the invention, - Figure 3 shows schematically the principle writing credentials to memory of the card after its manufacture, - and Figure ~ illustrates schematically the process card customization.
The card tl), given by way of example in FIG. 1, is a "mixed" type card which includes at least one track magnetic (2) and electronic microcircuits (3) made up of processing circuits such as a microprocessor (4) and a programmable memory (5) as shown in Figure 2. These circuits communicate between them by a connecting bus (b), and with the outside by an interface (I) as described for example in French Patent No. 2,483,713 to the Applicant.
This memory (5) includes at least one memory area (Zl) or secret zone where the recorded information does not are accessible only internally by the microprocessor (4).
Other information is saved in a second memory area (Z2) with read / write access internal and / or external which are determined according to applications envisaged for the card (l).
The structure of such a map, especially at the level of electronic microcircuits, is described in detail in French patents n ~ 2,337,381, 2,401,459 and 2 4 ~ 1,301 of the plaintiff.
The process according to the invention takes place after the manufacturing the card, i.e. once the strip ~ 2f ~
magnetic (2) affixed to the card (1) and the microprocessor (~) and memory (5) located in the card (1).
The card (1), resulting from this manufacture, does not have no information recorded on the magnetic strip (2) and has no stamping. By cons and as example, two different credentials for each card, are recorded by the manufacturer in the programmable memory (5):
- a serial or manufacturing number (X), ;
- and a manufacturing key (F), specific to each card, which is for example calculated from the number of manufacturing (X) and secret data (s).
An example of calculating a manufacturing key (F) is illustrated in figure 3.
The manufacturer is equipped with a system (10) comprising at least minus a memory unit (lla, llb) and circuits treatment (12).
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In the first memory area (lla) a (25 algorithm (P) for calculating IF manufacturing keys) and the secret data. In the memory area (llb) sAont recorded a succession of production numbers (Xl, X2, ... Xn) read for example from a tape magnetic (14) previously formed by the manufacturer.
To identify n cards, the manufacturer connects successively these n cards to the system (10) to make write in the memory (5) of each one a number of manufacturing (X) and a manufacturing key (F). The first one card (1) connected to the system (10) is assigned by -,.
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exe ~ ple the serial number Xl and a manufacturing key (Fl) resulting from the execution of the algorithm (P) by the processing circuits (12) and such that:
Fl = P (Xl, s) The processing circuits (12), controlled by a writing program (p) recorded in the memory (llb), write the serial number (Xl) in the ~ one of memory (Z2) and the manufacturing key (Fl) in the secret memory zone (Zl) of the memory (5) of the card (1) -¢ To increase the level of security, the secret data ~ s), common for n cards, is changed regularly.
Advantageously, the memory area (lla) is part a card (la) of the aforementioned type with calculation of the key manufacturing (F1) by the microprocessor (4) of the card (the).
Once this manufacturing phase has been carried out by the manufacturer, authorized issuing bodies purchase the cards and execute, before dissemination to their users, customization operations. These operations of (25 personalization consists of writing in each card information specific to the issuing body and the future user who can then obtain the services of this organization under conditions and limits of use determined by this information.
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These customization operations are essentially number of three for a mixed card - encoding of the magnetic strip (2), - stamping of the card (1), that is to say proceed to one;
visible writing on the card which allows : i ;, ' 6 h ~ ttj ~
visual identification of the car, this p ~ oced pou ~ ant either by stamping or by writing flat, - and memory encoding (5), These operations essentially consist of writing information from a central file beforehand established and continuously updated by each issuing body. This central file, for example recorded on magnetic tape, contains n groups of information. These n groups will be respectively assigned to n future users who are identified after making a request to this organization transmitter.
An example of such a file is given in the table below.
below limited to three groups of information which correspond to a banking application.
20group 1 group 2 group 3 MOMl NOM2 NOM3 PRENOMl PRENOM2 PRENOM3 N ~ ISO1 N ~ ISO2 N ~ ISO3 25 RIBl RIB2 RIB3 DATEl DATEl DATE3 PINl PIN2 PIN3 Sl ~ 1 S
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30 DATA l DATA 2. DATA3 ~.
Taking group 1 as an example, some group information personalize the future user namely: his name (NAME 1), his first name (FIRST NAME 1) and his' ~
personal identification code (PIN 1) which will allow it.
to be recognized by the card.
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Some information personalize at once the issuing body, in this case a bank in our example, and each future user: the IS0 number (N ~ IS0 1), the RIB key (RIB 1). I, es inEormation ~ (Sl, ~) are specific secret codes of the organism transmitter, the secret code (Sl) being the secret code (S) blurred.
Finally, the information (DATE 1) indicates the period of validity of the card which is determined by the issuing body.
A personalization chain is shown schematically in the figure 4.
The card issuing body (1) creates a file to from user requests. To each user is associated with a group of information. This file is by example prerecorded on magnetic tape (20).
The issuing body has a system of personalization (21) comprising a memory (22) and processing circuits (23). This system is linked to distance or not, by a link bus (b24), three workstations (Pl, P2, P3) responsible for carrying out the three customization operations respectively prbcitées.
The workstation (P1) essentially comprises a head magnetic read / write known per se.
The workstation (P2) essentially comprises and By way of example, a stamping device known per se.
The workstation (P3) essentially comprises a head read / write, known per se, which is lowered to come into electrical contact with the output terminals of microcircuits (3) of the card.
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According to a first mode of shea] .isa ~, ion, the operations of personalization takes place, in the following order magnetic stripe encoding ~ 2), write on the card for example by es ~ .ampage and encodaye of the memory (5).
In a first variant, the operations of above personalization takes place successively and continuously according to the customization chain diagram in Figure 4. This chain is then constituted by a one and the same machine (21).
For the first customization operation, there is not to assign a particular group of information to a special card. Quite logically, the three cards to personalize will be seen respectively assign the information groups (1, 2, 3). These three information groups constituting the file of the issuing body are pre-recorded on the tape magnetic (20), then transferred to the memory (22) of the system (21).
The opera ~ encoding ion of the magnetic strip (2) of the first card (1) consists in reading in the memory (22) the information group (1) and extract example, the following information to write them on the magnetic strip (2) (work station Pl):
- N ~ IS0 1, - RIB 1, - DATE 1, - and Sl.
Once this information is written, it is re-read to -verification. In the event of an error, the write operations are restarted, with possible rejection of the card in the event of an anomaly. ~ "
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Advantageously, the ~ information group (1) read from memory (22) is temporarily stored ~ years one buffer memory (25) of the personalization system (21).
For the second operation or stamping operation (post P2), just extract from the buffer (25) information to be stamped without re-entering in memory (22). For example, the information examples for stamping are: NAME, PRE ~ O ~, ISO number and DATE.
Finally, the last operation concerns the encoding of the memory (5) of the card (1). This last operation is preceded by a key verification operation manufacturing (F) previously registered by the manufacturer.
This key (F) is used to protect the card during its transit between the manufacturer and the user and only the knowledge of this key (F) allows you to write inform of personalization in the memory (5) of the 20 card (1).
This verification operation consists, for each card (1), to re-read the manufacturing number (X), to recalculate the corresponding manufacturing key (F), then to verify that this key is indeed equal to that (saved in the memory area (Zl) of the memory (5). Of course, the comparison operation is performed by the card itself, since the area of memory (Zl) is only accessible internally.
The key (F) is recalculated by the processing circuits (23) from the algorithm (P) and the secret data (s) prerecorded in the memory (22). Advantageously, 3r that key (F) is recalculated by the circuits of processing (4) of the aforementioned card (la) (FIG. 3) and whose memory (lla) contains the algorithm (P) and the '''' , ';
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secret data. ~ this card (the) is connected to personalization system (21). The same card (the) is therefore used by the manufacturer and by the issuing body cards (l).
Once this verification operation has been carried out, performs memory (5) encoding at the workstation (P3).
To do this, simply re-read the buffer memory (25) to extract for example all the relative information to group (1) (except the scrambled secret code Sl only used for magnetic stripe) and write them down in corresponding areas of the memory (5), with in particular the PI ~ and the secret code (S) which are entered in the secret memory area (Zl).
In a second variant of the first embodiment, personalization operations are carried out in the same order, but the memory encoding operation (5) is performed by another machine. In other words, the personalization chain consists of two systems (21), the second system not including work stations (Pl, P2).
In this case the memory encoding operation (5) takes place in two phases. Once the tape file magnetic (20) transferred to the memory (22) of the second personalization system (21), the first phase consists in re-reading the magnetic strip (2) or the stamping of the card to be processed in order to extract information from it allowing to find in the memory (22) the group that was assigned to this card during previous customization operations. This information is for example the ISO number. Once the identified group, the second phase consists of writing by ~, , i,.
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example all group information in areas memory (5), including the PIN
and the secret code (S) entered in the memory area secret (Zl).
We do the same for groups information (2, 3) respectively assigned to the two other cards, depending on the first or second variant of this first embodiment.
According to a second embodiment, the operations of personalization takes place in the following order encoding the memory (5) of the card (1), encoding the magnetic strip (2) and stamping.
According to a first variant, the operations of personalization mentioned above take place successively and continuously according to the chain diagram of customization of figure 4, but with the work in the following order P3, Pl and P2.
As in the first embodiment, the first operation for the encoding of the memory (5) consists, for each card (1), to read the manufacturing number (X) (25 and to recalculate the corresponding manufacturing key (F), then check that this key is equal to that stored in the memory area (Zl) of the memory (5).
Once this verification operation has been carried out, performs the memory (5) encoding for each card.
The first phase is to transfer the file from the magnetic strip (20) in the memory. (22) of the system (21) and assign the information group (1) to the first card to be processed, information group (2) per second card, and so on.
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In a second phase all the group's information corresponding stored in the buffer (25) are for example write in corresponding areas of the memory (5), with in particular the PI ~ and the secret code (S) registered in the secret memory area (Zl).
The second operation consists in encoding the track magnetic (2) cards (1) using memory buffer (25) which contains the first group of information (1), the information to be written on the magnetic strip

(2).
Finally, the third operation or stamping operation is carried out as in the previous embodiment.
In a second variant of the second embodiment, personalization operations are carried out in the same order but the track encoding operations magnetic and stamping are done by another machine equipped with a personalization system (21) of the aforementioned type but not including the workstation (P3).
Once the magnetic tape file (20) has been transferred in the memory (22) of the system (21), the encoding of the track ma ~ nétique (2) is carried out in two phases.
The first phase consists in re-reading at least one information from the memory (5) of the card to be processed and find the information group with this information previously assigned to this card during the operation previously encoded memory. This information is for example the IS0 number. Once the identified group, the second phase is to write some group information on the magnetic strip (2). For example, the written information is the . .
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following: ISO 1, RIB 1, DATE 1, and Sl as in the mode from previous realization.
Finally, the third operation or stamping operation is then performed as in the embodiment previous.
According to a third embodiment, it is possible consider the stamping operation before operations encoding the magnetic strip (2) and the memory (5). In this case, you must read a stamped information on the map to find in the central file the ; information group assigned to this card. Although this is possible, it is however easier to reread the magnetic strip (2) or the memory (5), so that the two embodiments previously described are more suited to better industrialization. In this third embodiment it is possible to consider, after stamping, the encoding operation of the magnetic strip then the encoding operation of the memory or vice versa, these two operations being performed on the same machine or not according to the same principles than those described for the first two modes of production.
Of course, personalization operations are not not limited to writing information on a track magnetic or in a memory and to perform a stamping on the map. For example, the process according to the invention can envisage the affixing of the photograph of the future user on the map. This photograph can be digitally recorded and be included in the DATA of each group of information that identifies or customize the future user of the card. It is also possible to write information by a ~ ' optical process, for example by laser, on a surface n preprocessed of the card.
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'' Alternatively, the process according to the invention can also apply to a card fitted with microcircuit, s electronic, but does not have a magnetic track, (2). In this case, the process is limited ~, ea encoding the memory (5) and write on the card for example by stamping. Advantageously, one proceeds first of all to the encoding of the memory (5), then we perform the stamping according to the same principle as that described in the second embodiment.
Personalization operations are preceded end of operation test operations which allow ensure that all ~
map elements. These operations consist basically write and re-read at least one information in the memory of the microcircuits electronic and on the magnetic strip.
Finally, it is possible to integrate into the chain of personalization the initial operation which consists of write in each card the serial number (X) and the key of manufacture (F) as described with reference to the figure

3. This may be the case when the manufacturer is also the card issuing body. Well in ~ endu, the number (X) and the manufacturing key (F) given as example can be replaced with information or parameters with different meanings.
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Claims (19)

The achievements of the invention about of which an exclusive right of ownership or privilege is claimed, are defined as follows: 1. Method for customizing at least one support: portable such as a standard card issued by an issuing body for a future user, a card being equipped with microcircuits electronics such as processing circuits and a memory, the process of writing to the card and in its memory information from personalization allowing both to identify the card issuing body and the future card user, and set conditions and limits for the use of each card, characterizes in that it consists:
- to establish a central file grouping n groups of personalization information attributable respectively to n users, each information group containing at least information to write in memory and on the surface even from the card corresponding to a user gives, - to read a first group of information and associate it with a first card to personalize, - to extract from this first group the information to write in the memory of the first menu, - write this information in the memory, - to extract from this group the information to write on the first card, - write on the first card, by example by stamping, said computerization, - and to repeat these operations automatically for (nl) other groups information associated with (nl) other cards. 2. Method according to claim 1, characterized in that it consists, before writing personalization information in the memory of a menu:
- to recalculate a manufacturing key prerecorded in a secret area of the memory of the map, - to compare inside the card this recalculated key and the prerecorded key in the secret memory area and to invalidate the card if the recalculated key and the prerecorded key are different. 3. Method according to claim 2, characterized in that the card has a number of series (X) assigned during its manufacture and in that the manufacturing key is a function of this number of series. 4. Method according to claim 3, characterized in that the manufacturing key is also function of secret data. 5. Method according to one of claims 1 to 3, characterized in that it consists in writing on a menu:
- to re-read information from personalization written in the memory of this card, - to find by this information in the central file the group of information associated with the card you want to write on, - to extract from this group the information to write, - and write on the card said information extracted. 6. Method for customizing at least one portable media such as a standard card issued by an authorized issuing body intended for the future user, said card being equipped with a track magnetic and electronic microcircuits such as processing circuits and a memory, the process consisting of writing on the card, on the track magnetic and in his memory information from personalization allowing both to identify of authorized body issuing the card and the future card user, and set conditions and limits for the use of each characterized card in that it consists:
- to establish a central file grouping n groups of personalization information attributable respectively to n users, each group containing at least information to write on the magnetic strip and on the surface of each card for each user, - to read a first group of information and associate it with a first card to personalize, - to extract from this first group the information to write on the magnetic strip of the first card, - to write this information on said magnetic strip, - to extract from this first group the information to write on the card, - write on the card, for example by stamping, said information, - and to repeat these operations automatically for (nl) other groups information associated with (nl) other cards. 7. Method according to claim 6, characterized in that it consists in writing on a menu:
- to re-read information from personalization written on the magnetic stripe of the menu, - to find by this information in the central file the group of information associated with the card you want to write on, - to extract from this group the information to write, - and write on the card said information extracted. 8. Method according to claim 6, characterized in that each group further comprises personalization information to write in the memory of a card, and what it consists of write in the card memory:
- extract information from the group of personalization to write in the memory of the corresponding card, at least one of these information being correlated to information written on the track magnetic, - and to write this extracted information in the memory. 9. Method according to claim 8, characterized in that it consists in writing in the card memory:
- to re-read information from personalization written on the magnetic strip of the menu, - to find by this information in the central file the group of information associated with the card you want to write on, - to extract from this group the information to write, - and write in the memory of said map said extracted information. 10. The method of claim 8, characterized in that it consists, before writing personalization information in the memory of the menu:
- to recalculate a manufacturing key prerecorded in a secret area of the memory of the map, - to compare inside the card this recalculated key and the prerecorded key in said secret memory area of the card, - and to invalidate the card if the key recalculated and the pre-registered key are different. 11. Method according to claim 10, characterized in that a card has a number of series (X) assigned during its manufacture and in that the manufacturing key is a function of this number of series. 12. Method according to claim 11, characterized in that the manufacturing key is;
also a function of secret data. 13. Method for customizing at least one portable media such as a standard card issued by an authorized issuing body intended for the future user, the card being equipped with a track magnetic, electronic microcircuits such as processing circuits and a memory the process consisting of writing on the card, on the track magnetic and in his memory information from personalization allowing both to identify the authorized body issuing the card and the future card user, and set conditions and limits on the use of cards, characterized in that it consists:
- to establish a central file grouping n groups of personalization information attributable respectively to n users, each group including information to write in the memory, on the magnetic stripe, and on the surface of each card, - to read the first group of information and associate it with a first card to personalize, - to extract from this first group the information to write in the memory of the first menu, - to write said information in the memory, - to extract from this group the information to write on the magnetic strip of the first card, - to write on said magnetic strip said information, - to extract from this first group the information to write on the first card, - write on the card, for example by stamping, said information, - and to repeat these operations automatically for (n-1) other groups information associated with (n-1) other cards. 14. Method according to claim 13, characterized in that it consists, before writing personalization information in the memory of a menu:
- to recalculate a manufacturing key prerecorded in the card memory, - to compare inside the card this recalculated key and the prerecorded key in a secret memory area of the card, - and to invalidate the card if the key recalculated and the pre-registered key are different. 15. The method of claim 14, characterized in that the card has a number of series (X) assigned during its manufacture and in that the manufacturing key is a function of this number of series. 16. The method of claim 15, characterized in that the manufacturing key is also a function of secret data. 17. The method of claim 13, characterized in that it consists in writing on the magnetic strip:
- to re-read information from personalization written in the card memory, - to find by this information in the central file the group of information associated with the card you want to write on, - to extract from this group the information to write, - and write on the magnetic strip said information extracted. 18. The method of claim 15, characterized in that it consists in writing on the menu:
- to re-read information from personalization written in the card memory, - to find by this information in the central file the group of information associated with the card you want to write on - to extract from this group the information to write, - and write on the card said information extracted. 19. The method of claim 16, characterized in that it consists in writing on the menu:
- to re-read information from personalization written on the magnetic strip of the menu, - to find by this information in the central file the information group associates with the card you want to write on, - to extract from this group the information to write, - and write on the card said information extracted.