DE102017122777B4 - Multifunctional chip card device - Google Patents

Abstract

Chip card device (100) with a chip card (105) formed by a panel with predetermined dimensions and having a surface (106) and a bottom surface (107), an electronic memory device being provided at least in the area (106) of the chip card (105). and processor chip (110) is arranged such that the surface (111) of the memory and processor chip (110) when the chip card (105) is inserted into an external automatic read / write machine in the vicinity of a read / write head for reading / reading or processing of the data stored on the memory and processor chip (110) comes to lie, wherein a plurality of interfaces (130, 140, 150, 160, 170) for bidirectional wireless communication are firmly integrated in the material of the panel in order to provide access to allow to a plurality of accounts and to transfer a credit deposited in a first account in a first currency to another account invested in another currency and / or in one To deposit or withdraw ATMs from a financial institution into one of these accounts or into another account that is invested in one of these two or another currency or crypto currency, characterized in that a scanner (130) for Reading information stored in the form of a QR code or bar code is integrated, the scanner (130) comprising a laser (310) and a light sensor (320) for sensing the one emitted by the laser (310) and one with a QR Contains code or barcode-provided surface of reflected light, the intensity fluctuations of the reflected light sensed by the light sensor (320) being convertible into electrical signals by means of a converter which can be read into the memory and processor chip (110) for the purpose of interpretation via pattern recognition, and the Laser (310) is formed by a coherent light-emitting diode (310), a cylinder lens (330) being provided around that of the diode (310) split the emitted light into a band of a predetermined width, and the light sensor (320) is arranged in the vicinity of the coherent light-emitting diode (310) in such a way that light reflected by the surface provided with a QR code or barcode is in the way passing through the cylinder lens (330) falls on the light sensor (320).

Description

The invention relates to a chip card device with a chip card formed by a panel with predetermined dimensions with a surface and a lower surface, wherein an electronic memory and processor chip is arranged at least in the area of the surface of the chip card so that the surface of the chip when the Card comes to rest in an external automatic read / write machine in the vicinity of a read / write head for reading / reading or processing the data stored on the chip, a plurality of interfaces for bidirectional wireless communication being firmly integrated in the material of the panel in order to allow access to a plurality of accounts and to transfer a balance deposited in a first account in a first currency to another account in a different currency and / or to an ATM of a financial institution to one of these accounts or to another Account that in either of these or another currency or cryptocurrency is invested or withdrawn.

Chip card devices of the type mentioned at the outset are used in the prior art to insert information, which can be stored in the form of digitized data on a chip, by inserting the card into a writer / reader, which is available in many places, into a computer which is generally connected to the Internet to be able to read. An access authorization for data transfer of digital data from or to the chip is secured by means of an access code to be entered by the holder of the chip card in the automatic writing / reading machine.

The known chip card devices, however, all have the disadvantage that they only allow the attachment of a single chip. This has the disadvantage that a plurality of different chip cards are required, in particular when traveling, to provide a plurality of different information and functions, in particular payment functions, which each allow access to an account assigned to the respective chip card.

The publication US 2016/0 335 531 A1 discloses a method in which data associated with a user's transaction card is received from a server, determining a multi-card transaction device associated with the user, and further determining a plurality of communication interfaces associated with the multi-card transaction device, assigning different ones Tokens to each of the plurality of interfaces and the token to the transaction card is made and the tokens of the multi-card transaction device are communicated.

According to the publication US 2013/0 282 575 A1 a card is provided, for example a credit card or a security card, which can transmit information to a magnetic stripe reader via a magnetic emulator. For example, the magnetic emulator can be a circuit that emits electromagnetic fields that can be operated to be electrically coupled to a read head of a magnetic stripe reader so that data can be transmitted from the circuit to the magnetic stripe reader. The emulator can be operated in series, so that information is transmitted in series to a magnetic stripe reader. Alternatively, for example, parts of a magnetic emulator can emit different electromagnetic fields at a certain point in time, so that the emulator is operated to provide physically parallel, instantaneous data. Alternatively, a magnetic medium can be provided and a circuit can be provided to change the magnetic properties of the magnetic medium so that a magnetic stripe reader can read information written on the magnetic medium.

• - ein Eingabegerät zum Empfangen von Benutzereingaben von einem Benutzer, einschließlich eindeutiger Benutzerauthentifizierungsinformationen;
• - eine Ausgabevorrichtung mit einem Anzeigemodul zum Anzeigen von Transaktionsinstrumenteninformationen, die einem oder mehreren Transaktionsinstrumenten zugeordnet sind;
• - einen nichtflüchtigen Speicher, der die Transaktionsinstrument-Informationen speichert, die dem einen oder den mehreren Transaktionsinstrumenten zugeordnet sind; und
• - mindestens ein Hardwareprozessor in Kommunikation mit dem Eingabegerät, dem Ausgabegerät und dem nichtflüchtigen Speicher, wobei der Hardwareprozessor (die Hardwareprozessoren) konfiguriert ist (sind):
• - um auf dem Ausgabegerät Transaktionsinstrument-Informationen zu präsentieren, die jeweils dem einen oder dem anderen zugeordnet sind mehr Transaktionsinstrumente;
• - Bestimmen mindestens eines vom Benutzer ausgewählten Transaktionsinstruments zumindest teilweise basierend auf den Benutzereingaben, die über die Eingabevorrichtung empfangen wurden;
• - Codieren eines oder mehrerer Parameter, die dem mindestens einen vom Benutzer ausgewählten Transaktionsinstrument zugeordnet sind; und
• - Bereitstellen von Transaktionsinstrumenteninformationen, einschließlich des einen oder der mehreren Parameter, die dem ausgewählten Transaktionsinstrument zugeordnet sind, auf dem Ausgabegerät zur Verwendung in Verbindung mit einer Transaktion.

The publication US 2015/0 262 052 A1 discloses intelligent equipment comprising:

• an input device for receiving user input from a user, including unique user authentication information;
• an output device with a display module for displaying transaction instrument information associated with one or more transaction instruments;
• a non-volatile memory that stores the transaction instrument information associated with the one or more transaction instruments; and
• at least one hardware processor in communication with the input device, the output device and the non-volatile memory, the hardware processor (s) being configured:
• - in order to present on the output device transaction instrument information that is assigned to one or the other more transaction instruments;
• Determining at least one transaction instrument selected by the user based at least in part on the user inputs received via the input device;
• - Encoding one or more parameters associated with the at least one transaction instrument selected by the user; and
• - Providing transaction instrument information, including the one or more parameters associated with the selected transaction instrument, on the output device for use in connection with a transaction.

The publication also discloses US 2013/0161 397 A1 an imaging device with a target acquisition system for projecting a target pattern and an imaging subsystem with an image sensor arrangement and an imaging optics arrangement for focusing an image on the image sensor arrangement, the imaging device being adapted to prevent the target pattern from being detected or removed in one or more captured images .

The object of the invention is therefore to provide a chip card device by means of which a plurality of different functions, in particular bidirectional transfers and payments in different currencies, can be carried out.

For a chip card device of the type mentioned, this object is achieved according to the invention in that a scanner for reading information in the form of a QR code or bar code is integrated in the panel, the scanner comprising a laser and a light sensor for sensing the contains light emitted by the laser and reflected by a surface provided with a QR code or barcode, the intensity fluctuations of the reflected light sensed by the light sensor being convertible into electrical signals by means of a converter which can be read into the chip for interpretation via pattern recognition, and the laser is formed by a coherent light-emitting diode, a cylinder lens being provided to split the light emitted by the diode into a band of a predetermined width, and the light sensor being arranged in the vicinity of the coherent light-emitting diode, that from the one with a QR code or barcode-provided surface reflected light by passing through the cylinder lens falls on the light sensor.

Preferred embodiments of the invention are the subject of the dependent claims.

In the chip card device according to the invention, the combination of features of the characterizing part of claim 1 in conjunction with the features of the preamble of this claim ensures that the plurality of interfaces for wireless communication can be connected to the memory and processor chip in order to use a respective interface store the information read in on the chip and process it for a bidirectional information exchange with an external read / write machine. In this way, different currencies can be converted into each other at the respective daily exchange rate and corresponding amounts can be output or entered using conventional ATMs.

In particular, with the aid of the chip card device according to the invention, it is possible, by means of the information that can be read in and read out via a relevant interface and stored on the chip, to transfer predetermined amounts of a credit deposited on a first account in a first currency to or from one in a to transfer another account invested in another currency and / or to an ATM of a financial institution to which another account which is invested in one of these two or another currency is to be paid or paid.

In the event that the information which can be read in and read out via an interface in question and which is to be stored on the chip relates to a cryptocurrency, it is possible with the aid of the chip card device according to the invention to transfer credit to or from a crypto currency to transfer an account held in a conventional currency and / or to deposit or withdraw it at an ATM of a financial institution to which a further account is created in the conventional currency.

A wiping of the contents of the memory part of the memory and processor chip of the chip card device according to the invention is controlled by the processor part of the memory and processor chip of the chip card device according to the invention and / or by a processor connected to an external automatic read / write machine .

According to a first preferred embodiment of the chip card device according to the invention it is provided that in the area of one of the end faces of the panel there is a socket for inserting a USB plug for charging the power store and for performing a bidirectional data transfer with the memory chip.

According to another preferred embodiment of the chip card device according to the invention, a GPS unit (GPS: global positioning system) is integrated in the panel.

Furthermore, a charging device is integrated in the panel in order to wirelessly charge the power source of the panel using an inductive charging station. For this purpose and for the purpose of wireless communication with another information carrier, an antenna suitable for its dimensions is preferably integrated in the panel.

The length of each antenna is preferably dimensioned in order to ensure reception sensitivity and transmission capability only for a predetermined frequency.

One of the interfaces for wireless communication can be designed, for example, as an NFC interface integrated in the panel, which enables an NFC connection (NFC: near field communication) with a correspondingly equipped other information carrier.

Another of the interfaces for wireless communication can be designed, for example, as an RFID interface integrated in the panel, which enables an RFID connection (RFID: radio-frequency identification) with a correspondingly equipped other information carrier.

Yet another of the interfaces for wireless communication can be designed as a Bluetooth interface integrated in the panel, which enables a Bluetooth connection with a correspondingly equipped other information carrier.

Another further of the interfaces for wireless communication can be designed as a wireless LAN interface integrated in the panel, which enables a wireless LAN connection with a correspondingly equipped other information carrier.

According to a further preferred embodiment of the chip card device according to the invention, an acoustic signal transmitter connected to the power source and controlled by the chip is provided, the chip being programmed to activate the acoustic signal transmitter via one of the interfaces when predetermined, non-executable functions are called.

The acoustic signal generator is preferably formed by a piezo crystal integrated in the material of the panel.

• 1 eine bevorzugte Ausführungsform der erfindungsgemäßen Chipkarten-Vorrichtung in einer Seitenansicht;
• 2 die in 1 dargestellte bevorzugte Ausführungsform der erfindungsgemäßen Chipkarten-Vorrichtung in einer Ansicht von oben;

The chip card device according to the invention is explained below with reference to a preferred embodiment, which is shown in the figures of the drawings. In it show:

• 1 a preferred embodiment of the chip card device according to the invention in a side view;
• 2nd in the 1 illustrated preferred embodiment of the chip card device according to the invention in a view from above;

The in the 1 to 2nd illustrated chip card device according to the invention 100 contains one from a panel 105 chip card formed with predetermined dimensions 105 with a surface 106 and a bottom surface 107 , being at least in the area of the surface 106 the chip card 105 an electronic memory and processor chip 110 is arranged so that the surface of the chip 110 when inserting the card into an external read / write machine in the vicinity of a read / write head for reading / reading or processing the on the chip 110 stored data comes to rest.

In the material of the panel 105 are a rechargeable power source 120 as well as a plurality of with the power source 120 connected interfaces 130 , 140 , 150 permanently integrated for wireless communication.

The interfaces 130 , 140 , 150 for wireless communication are each with the memory and processor chip 110 connected to information read in via a respective interface on the chip 110 to save and process for a bidirectional information exchange with an external read / write machine.

In the area of one of the end faces of the panel 105 is a socket 200 for inserting a USB plug for charging the power storage and alternatively performing a bidirectional data transfer between the memory chip 110 and an external read / write machine attached.

For the purpose of clear identification of the chip card 105 is a GPS unit (GPS: global positioning system) in the panel 105 integrated.

Furthermore is in the panel 105 a scanner 130 information stored for reading in the form of a QR code or bar code. The scanner 130 contains a laser 310 as well as a light sensor 320 to sense that from the laser 310 light emitted and reflected by a surface provided with a QR code or barcode, the light from the light sensor 320 sensed intensity fluctuations of the reflected light can be converted into electrical signals by means of a converter, for the purpose of interpretation via pattern recognition in the memory and processor chip 110 are readable.

The laser 310 is from a coherent light emitting diode 310 formed with a cylinder lens 330 is provided to that of the diode 310 split the emitted light into a band of a predetermined width. The light sensor 320 is such in the neighborhood of the coherent light emitting diode 310 arranged that light reflected from the surface provided with a QR code or barcode by passing through the cylinder lens 330 collected on the light sensor 320 falls.

Furthermore is in the panel 105 a device integrated to the power source 120 is to be charged wirelessly by means of an inductive charging station, and for the purpose of wireless communication with another information carrier is in the panel 105 an antenna 400 integrated. The length of the antenna 400 is dimensioned so that a reception sensitivity and a transmission ability is only given for a predetermined frequency.

One of the interfaces 130 , 140 , 150 for wireless communication is as in the panel 105 integrated NFC interface 140 executed, which enables an NFC connection (NFC: near field communication) with a correspondingly equipped other information carrier.

Another of the interfaces 130 , 140 , 150 , 160 , 170 for wireless communication is as in the panel 105 integrated RFID interface 150 executed, which enables an RFID connection (RFID: radio-frequency identification) with a correspondingly equipped other information carrier.

Another of the interfaces 130 , 140 , 150 , 160 , 170 for wireless communication is as in the panel 105 integrated Bluetooth interface 160 executed, which enables a Bluetooth connection with a correspondingly equipped other information carrier.

Another additional of the interfaces 130 , 140 , 150 , 160 , 170 for wireless communication is as in the panel 105 integrated wireless LAN interface 170 executed, which enables a wireless LAN connection with a correspondingly equipped other information carrier.

Furthermore, one with the power source 120 connected and from the chip 110 controlled acoustic signal generator 500 provided the chip 110 is programmed when calling predetermined, non-executable functions via one of the interfaces 130 , 140 , 150 , 160 , 170 the acoustic signal generator 500 to activate. The acoustic signal generator 500 is from one in the material of the panel 105 integrated piezo crystal.

The exemplary embodiment of the invention explained above serves only the purpose of a better understanding of the teaching according to the invention, which is not limited as such by the exemplary embodiment.

Claims (6)

Chip card device (100) with a chip card (105) formed by a panel with predetermined dimensions and having a surface (106) and a bottom surface (107), an electronic memory device being provided at least in the area (106) of the chip card (105). and processor chip (110) is arranged such that the surface (111) of the memory and processor chip (110) when the chip card (105) is inserted into an external automatic read / write machine in the vicinity of a read / write head for reading / reading or processing of the data stored on the memory and processor chip (110) comes to lie, wherein a plurality of interfaces (130, 140, 150, 160, 170) for bidirectional wireless communication are firmly integrated in the material of the panel in order to provide access to allow to a plurality of accounts and to transfer a credit deposited in a first account in a first currency to another account invested in another currency and / or in one To deposit or withdraw ATMs from a financial institution into one of these accounts or into another account that is invested in one of these two or another currency or cryptocurrency, characterized in that a scanner (130) for Reading information stored in the form of a QR code or bar code is integrated, the scanner (130) comprising a laser (310) and a light sensor (320) for sensing the one emitted by the laser (310) and one with a QR Contains code or barcode-provided surface of reflected light, the intensity fluctuations of the reflected light sensed by the light sensor (320) being convertible into electrical signals by means of a converter which can be read into the memory and processor chip (110) for the purpose of interpretation via pattern recognition, and the Laser (310) is formed by a coherent light-emitting diode (310), a cylinder lens (330) being provided around that of the diode (310) split the emitted light into a band of a predetermined width, and the light sensor (320) is arranged in the vicinity of the coherent light-emitting diode (310) such that light reflected by the surface provided with a QR code or barcode is in the way passing through the cylinder lens (330) falls on the light sensor (320). Chip card device (100) after Claim 1 , characterized in that the plurality of interfaces (130, 140, 150, 160, 170) for wireless communication are connected to the memory and processor chip (110) in order to store information read in via a respective interface (130, 140, 150, 160, 170) on the memory and processor chip (110) and for a bidirectional information exchange with one process external read / write machines. Chip card device (100) according to one of the preceding claims, characterized in that in the area of one of the end faces of the panel, a socket (200) for inserting a USB plug for charging the power store (120) and for performing a bidirectional data transfer with the store - And processor chip (110) is attached. Chip card device (100) according to one of the preceding claims, characterized in that a GPS unit (GPS: global positioning system) is integrated in the panel. Chip card device (100) according to one of the preceding claims, characterized in that a device is integrated in the panel in order to wirelessly charge the power source (120) by means of an inductive charging station. Chip card device (100) according to one of the preceding claims, characterized in that an antenna (400) is integrated in the panel for the purpose of wireless communication with another information carrier.

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