ES1203448U - Electronic device for commercial transactions (Machine-translation by Google Translate, not legally binding) - Google Patents

Abstract

Electronic device for commercial transactions in the acquisition of goods or services in all types of businesses, preferably containing "non-contact" communication technology, characterized by: - A screen, viewer or display located in the upper third of the device connected to the entire electronic circuit including the chip, to visually show the balance presented in each commercial transaction, previous exposure and communication of the same through internal or external network in the POS of commerce. - A size of 60 millimeters wide by 40 millimeters high, with an approximate margin of 9 millimeters in more or less, both in width and height, for reasons of industrial implementation or adjustment to systems of measures or international agreements allowing its guard or custody in places with small living space, such as a purse, while endowing the invention with a unique and differentiated architecture. (Machine-translation by Google Translate, not legally binding)

Description

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ELECTRONIC DEVICE FOR COMMERCIAL TRANSACTIONS SECTOR OF THE TECHNIQUE

The invention is part of the technical field of electronic payment methods

The object of the invention is related to an electronic payment device, preferably with "contactless" technology, in all types of merchants of goods or services with distinctive measures and a viewfinder or screen.

BACKGROUND OF THE INVENTION

The precedent that is closest to the invention that is recommended is the smart card. The uses of these in recent years cover a large content of functions. Referring to payment methods we can mention credit and debit cards, prepaid, commercial and others.

All have in common that they are designed in their architecture according to internationally accepted standards of use. The ISO / IEC 7810 standard is the standard of electronic cards that specifies four different sizes: ID-000 25X15 (Width x Height in millimeters), ID-1, 85.60X53.98, ID-2 105x74 and ID-3 125x88 , the ID-1 being the (85.60X53.98) that is used in current payment cards.

Likewise, readers or writers of smart cards have been developed, which act as a gateway between the smart card and the system that hosts the final application for which the card was created.

The smart cards used as means of payment have different technologies to communicate with the “host” - ATM, POS, Dataphone ...- such as the magnetic stripe, barcode, contact chip, RFID chip tag with radio frequency antenna , etc., or mixed according to the preferences of the issuer, usually a Financial Entity

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The technology most used and developed today is the "contactless" through radiofrequency between the card of the holder and the dataphone or POS of the store. This allows the payment to be made in a faster way since the reading of the card is instantaneous without the need to insert it in a slot of the merchant's terminal to read it and proceed to the collection of the requested amount

This technology is usually supported on a card with the usual measures according to the ISO / IEC 7810 standard (85.60 millimeters wide by 53.98 millimeters high), resulting in a standard measure but usually needs to be carried by the holder, of a wallet with sections or “pockets” for the card or similar.

However, it does not make special sense that in order to carry out a purchase operation that is by approximation and without contact, it has to support these measures. Moreover, it would be desirable that it be of a smaller size in order to be properly guarded in a smaller coin holder or individual card holder size, or any other accessory or place, mobile phone case, etc., without affecting its internal electronic technology or configuration, giving the invention a unique and differentiated architecture. This would be an obvious improvement to capture the use of the cards to a greater number of users who use other means (wallets / purses, purses) when paying their purchases in cash.

Also, another inconvenience when using smart cards is not being able to control the cost incurred that is reflected in the balance presented, that is, if I pay with the card a certain amount I do not know the resulting balance after deducting the amount or the balance before performing the operation. This is an important inconvenience for the user since, to know the balance of the card, that is to say the expense made to date, you have to go to a bank teller, online, etc., but not in commerce at the moment to make the purchase

To give a final solution to this problem it would be quite convenient for the card to have a viewfinder or screen that reflects the balance it presents at any stage of the purchase process. In this way the holder of the same could have a more efficient control of the expense to be made and fewer impediments or excuses for not using an electronic means such as the card supplying cash as a means of payment

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Therefore, it would be an obvious advantage for all types of users and especially for those who use cash as a usual or single payment method without discarding regular card users, to be able to access a new electronic means that allows them through the viewer or screen included in the upper area of the device, know the balance it presents before and / or after making the purchase and have smaller dimensions than the standard to be guarded in pockets or smaller devices, such as purses , that make it accessible and desirable for its new architecture and functionalities.

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The object of the invention allows obtaining a solution to the aforementioned issues. It would correspond to an electronic device of PVC or similar with rectangular format and measures 60 millimeters wide by 40 millimeters high, with a possible drift in its dimensions for reasons of implantation industrial or adjustments to standards or international measurement systems of 9 millimeters in more or less, both in width and height Also, the invention contains a display, viewfinder or screen interconnected to the entire electronic circuit can be of type LED, LCD or any other technology capable of displaying at least 5 digits and the semicolon. The thickness of not less than 760 microns may be greater to allow the inclusion of the main elements such as the viewfinder or screen, an RFID tag, composed of antenna / s for the transmission / reception of data by radiofrequency, a radio transducer, integrated circuit and a chip All the elements described above and other auxiliary common to this type of technology "without contact", would be interconnected through integrated circuits to operate together.

The instructions and commands would be implemented in a medium carrying digital information of the invention, such as the chip, to communicate with the reader / writer of the store through the antenna. These functions would be programmed at the factory for the management and communication of files at the time of payment being the basic "balance command" and "balance reduction command" and eligible "balance load command", and "balance payment command".

The inter-server communication system (commercial POS, understood -forth) Point of Sale Terminal as the sum of hardware - cash register, CPU, printer, reader, screen, etc. - and software -computer command communication programs orders and interfaces-) and slave, electronic card, would be carried out by radiofrequency -induction- through the chip and antenna, bringing the card closer to the reader / recorder of the store that would emit enough energy to activate the functions and commands of the card and the balance screen or display so that “the card” does not require an internal battery or any other system to provide it

As a non-limiting example and applied to the routine purchase process, when presenting the card to the reader, he accesses the balance and activates the viewer to show it and can be

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checked by the client Then, perform the operation, prior oral authorization or through the password of the holder of the same depending on the degree of security required, “bearer” without protection or with authentication of the holder, PIN for example, and detracts the balance of "the card" showing the viewer the new balance of the same

The invention can be used in "prepaid" mode - that is, with a previous balance load or via telematics via the terminal, POS of the merchant, in the latter case using a payment platform, Redsys in Spain, for checking and deduction of balances in accounts, banks or not, and bank cards or non-credit and others, in turn could be done in a mixed way, such as "prepaid -of an Entity F-", electronically "In both modes the programming software would allow to reflect the updated balance in the "card" viewer.

PREFERRED EMBODIMENT OF THE INVENTION

In a preferred embodiment, as indicated, the invention would have a display or viewer located at the top of the device to know the updated balance Example in "prepaid" mode, previously charged (in commerce, Financial Entity or establishments attached to the system) and before and after making a payment-deduction- or return -bond- Also, to access a greater number of users facilitating their custody and transportation, it would have measures 6 centimeters wide by 4 centimeters high with a differential margin of up to 9 millimeters in both width and height, according to specifications set by the issuer, manufacturing or adjustment to international measurement standards

It would consist of transparent PVC sheet, reverse side Printed white PVC sheet (with the possibility of suppressing it with a “pre-printed card” type), front and back. The pre-laminate would contain PVC sheet, chip and antenna for transmission and reception of data and commands. The RFID technology applied in the “Mifare type” chip would be composed of: 13.56 MHz chip and 1 K of storage, antenna, reader and software Its reading / recording is of proximity or without contact by means of radio waves and its data can be modified in each presentation to the reader to perform the required task

Its thickness would be from 760 microns Blood or lost on all sides of the card: between 1 and 3 millimeters (up, down, left and right). Vertex angles: between 1 and 3 approximately.

5 The industrial realization would consist of a physical and technical part. Physics, referring to its new architecture and dimensions, would require the express manufacture of a machined die, to provide the new measures and visor to the PVC or material support used. Other procedures such as lamination can be done with the mechanical means currently available. Technically there are all the Computer and electronic elements, dlsplay, integrated circuits, RFID tags, programs, etc., to provide the invention with the elements necessary for the uses. and capabilities conceived above detailed

Commercially and industrially, the invention represents a clear advantage over other 15 means of payment and previous inventions since the screen to visualize the balance, internally or electronically, and its new architecture, embodied in its new dimensions to facilitate its custody and attractive, they will facilitate its use to all types of users to supply the payment of monetary cash.

Claims (1)

10 fifteen 1. Electronic device for commercial transactions in the acquisition of goods or services in all types of shops, which preferably contains “contactless” communication technology, characterized by: - A screen, viewfinder or display located in the upper third of the device connected to the entire electronic circuit including the chip, to visually show the balance that is present in each commercial transaction, prior exposure and communication thereof through internal or external network in the POS of commerce - Dimensions of 60 millimeters wide by 40 millimeters high, with an approximate margin of 9 millimeters in more or less, both in width and height, for reasons of industrial implementation or adjustment to international measurement systems or agreements allowing its guard or custody in places with a small passenger compartment, such as a coin holder, while providing the invention with a unique and differentiated architecture