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GB2274523A - Portable electronic fund transfer device - Google Patents

Portable electronic fund transfer device Download PDF

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Publication number
GB2274523A
GB2274523A GB9301424A GB9301424A GB2274523A GB 2274523 A GB2274523 A GB 2274523A GB 9301424 A GB9301424 A GB 9301424A GB 9301424 A GB9301424 A GB 9301424A GB 2274523 A GB2274523 A GB 2274523A
Authority
GB
United Kingdom
Prior art keywords
fund transfer
payment
data
portable
integrated circuit
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
GB9301424A
Other versions
GB9301424D0 (en
Inventor
Chandra Kamar Patni
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Individual filed Critical Individual
Priority to GB9301424A priority Critical patent/GB2274523A/en
Publication of GB9301424D0 publication Critical patent/GB9301424D0/en
Publication of GB2274523A publication Critical patent/GB2274523A/en
Withdrawn legal-status Critical Current

Links

Classifications

    • 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
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F15/00—Digital computers in general; Data processing equipment in general
    • G06F15/02—Digital computers in general; Data processing equipment in general manually operated with input through keyboard and computation using a built-in program, e.g. pocket calculators
    • G06F15/025—Digital computers in general; Data processing equipment in general manually operated with input through keyboard and computation using a built-in program, e.g. pocket calculators adapted to a specific application
    • 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
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • 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
    • G06Q20/305—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wired telephone networks
    • 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
    • G06Q20/355—Personalisation of cards for use
    • G06Q20/3552—Downloading or loading of personalisation data
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • 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)
  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Finance (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Computing Systems (AREA)
  • Computer Hardware Design (AREA)
  • General Engineering & Computer Science (AREA)
  • Telephonic Communication Services (AREA)

Abstract

A portable electronic fund transfer device, has a keypad 3 and display for the man-machine interface, a DTMF circuit and speaker 6 for the purpose of transmitting fund transfer data via a voice channel of a telephone, a portable secure integrated circuit interface 4 for specifying and controlling the payment application and authenticating and/or encyphering the fund transfer instruction data, optionally a magnetic swipe card interface for reading and writing to a magnetic payment card, optionally a printer to print payment receipts, and optionally a security module to authenticate the payment card. Payment data is authenticated in the device by one or more unique keys stored inside the portable secure integrated circuit module which is inserted into the device. This unique key changes after every successful data transfer, this change being based on the host acknowledgement message keyed into the device. <IMAGE>

Description

PORTABLE ELECTRONIC FUND TRANSFER DEVICE This invention relates to a portable electronic fund transfer device.
Electronic fund transfer devices are well known comprising read, and optionally write, interfaces to portable payment cards or tokens together with a communication mechanism for the transfer of fund transfer data to one or more data collection hosts. A special type of electronic fund transfer device known as an EFTPOS terminal is used in point of sale environments for the acceptance of payment cards with either real-time or subsequent batch transfer of payment data via telephone and/or X.25 links.
Electronic fund transfer devices are, however, relatively expensive. Moreover their use is limited to high volumes of electronic transaction transfers per day, and thus these devices have their uses limited to point of sale environments which accept payment cards or tokens at a regular frequency. Thus for point of sale outlets and private individuals wishing to make few and irregular fund transfer requests, the current devices provide a relatively expensive mechanism.
According to the present invention there is provided a portable electronic fund transfer device comprising a portable enclosure, a keypad, a display, the keypad and display being used to provide the man machine interface, a DTMF circuit and speaker being used to transfer low volumes of fund transfer data via the voice channel of a telephone link, an interface to a portable secure integrated circuit module, which can take any form such as a single chip integrated circuit card, the module being adopted to securely configure the device with the exact nature of the payment application in terms of both initialisation and payment data as well as program control, optionally a magnetic card interface to communicate with magnetic payment cards, optionally a printer to provide a paper record of any fund transfer instructions executed on the device, optionally an integral security module for secure data storage, and a microcontroller unit (MCU) controlling all the elements forming this device. Payment data is authenticated in the device by one or more unique keys inside the portable secure integrated circuit module with this unique key changing after every successful data transfer, this change being based on the host acknowledgement message keyed into the device, the DTMF speaker being used to broadcast this low volume of authenticated fund transfer data into the voice channel of a telephone link.
A specific embodiment of the invention will now be described by way of examples with reference to the accompanying drawing in which Figure 1 shows in perspective, the electronic fund transfer device; Figure 2 illustrates the block schematic diagram of the electronic fund transfer device; Figure 3 illustrates the application flow diagram of the electronic fund transfer device used in point of sale application; Figure 4 illustrates the application flow diagram of the electronic fund transfer device used as an electronic cheque payment terminal.
Referring to the drawing figure 1 the portable battery operated electronic fund transfer device comprises an enclosure 7, a display 2, a keyboard 3, an interface for connecting to a portable secure integrated circuit module, a magnetic swipe card reader interface 5, a removable printer module 1, and a DTMF speaker 6 on the rear side of the device.
Inside the enclosure is an electronic circuit comprising a battery operated micro-controller unit (MCU) controlling all the elements namely the DTMF speaker, secure IC card or token interface, the keypad, the display, the optional magnetic stripe interface, printer and integral security module as illustrated in the block schematic diagram Fig 2.
A secure portable integrated circuit module inserted into interface 4 configures the standard electronic fund transfer device to specific applications such as EFIPOS for processing payment by magnetic swipe cards as described in Fig 3, or electronic cheque submissions as described in Fig 4. The fund transfer data is authenticated by the portable secure integrated circuit module using a unique key which changes after every successful data transfer, this change being based on the host acknowledgement message. The DTMF circuit and speaker is used to transfer low volumes of fund transfer data via the voice channel of a telephone link.
In the electronic fund transfer application described Fig3, a magnetic swipe payment card transaction is processed by a control dialogue between the MCU and the secure application integrated circuit (IC) card module. To perform a fund transfer request, insert the application IC card module into the device interface 4. A valid IC card module authenticates itself with the MCU by cyphering a random challenge from the MCU and transmitting the result back via interface 4 to the MCU for verification by the MCU itself or by an integral security module in the device. After correct validation of this application IC card, the operator can swipe a magnetic card through the interface 5 in order for the MCU to read the data stored on the magnetic swipe card. The operator is then prompted to enter the amount of the payment transfer.The MCU transmits the magnetic swipe card data and the amount to the IC card which checks the validity of the data which if valid initiates the transfer of the host service telephone number to the device from the IC card. The device displays this telephone number on the display 2 for manual dialing of the number or for automatic tone dialing via an operator activated key stroke after placement of the device DTMF speaker 6 in close proximity to the microphone of the telephonehandset. After connection to the host service computer, an operator activated key stroke on the device, transfers the authenticated EFT data from the IC card to the DTMF speaker. The EFT data is thus transmitted to the host service computer via the voice channel of the telphone line.On valid reception of this data, the host computer transmits a host acknowledgement message in the form of a few digits which are heard by the operator and manually entered into the device using the keypad 3. This host acknowledgement message is transferred to the IC card for validation and storage. This host acknowledgement message is used in calculating the subsequent unique key used in the next funds transfer instruction to the host service computer. If the host acknowledgement message is valid the device displays successful end of EFT transfer and prints a receipt if the optional printer is attached to the device.
In the electronic fund transfer application described in Fig 4 an electronic cheque fund transfer transaction is processed by a control dialogue between the MCU and the secure application integrated circuit (1C) card module. The IC card itself has a valid payment service to make the fund transfer request.
Thus the flow control of this application is the same as that described in Fig 3 except no magnetic swipe payment card is necessary.

Claims (6)

1 A portable electronic fund transfer device comprising a portable enclosure, a keypad, a display, the keypad and display being used to provide the man machine interface, a DTMF circuit and speaker being used to transfer low volumes of fund transfer data via the voice channel of a telephone link, an interface to a portable secure integrated circuit module, which can take any form such as a single chip integrated circuit card, the module being adopted to securely configure the device with the exact nature of the payment application in terms of both initialisation and payment data as well as program control, optionally a magnetic card interface to communicate with magnetic payment cards, optionally a printer to provide a paper record of any fund transfer instructions executed on the device, optionally an integral security module for secure data storage, and a microcontroller unit (MCU) controlling all the elements forming this device. Payment data is authenticated in this device by one or more unique keys inside the portable secure integrated circuit module with these unique keys changing after every successful data transfer, this change being based on the host acknowledgement message keyed into the device, the DTMF speaker being used to broadcast this low volume of authenticated fund transfer data into the voice channel of a telephone link.
2 A portable electronic fund transfer device as claimed in Claim 1, wherein portable integrated circuit module interface(s) are provided to load specific payment applications into the device.
3 A portable electronic fund transfer device as claimed in Claim 1 or Claim 2 wherein the portable intergrated circuit module when inserted into the device activates the device and provides access control to the payment application.
4 A portable electronic fund transfer device as claimed in any preceding claim, wherein the DTMF circuit and speaker are used to transmit the EFT data to one or more host service data collection systems via the voice channel of a telephone link.
5 A portable electronic fund transfer device as claimed in any preceding claim, wherein an integral security module can be used to authenticate the portable magnetic swipe payment card and/or integrated circuit card.
6 A portable electronic fund transfer device substantially as described herein with reference to Figure 14 of the accompanying drawing.
GB9301424A 1993-01-25 1993-01-25 Portable electronic fund transfer device Withdrawn GB2274523A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
GB9301424A GB2274523A (en) 1993-01-25 1993-01-25 Portable electronic fund transfer device

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
GB9301424A GB2274523A (en) 1993-01-25 1993-01-25 Portable electronic fund transfer device

Publications (2)

Publication Number Publication Date
GB9301424D0 GB9301424D0 (en) 1993-03-17
GB2274523A true GB2274523A (en) 1994-07-27

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Family Applications (1)

Application Number Title Priority Date Filing Date
GB9301424A Withdrawn GB2274523A (en) 1993-01-25 1993-01-25 Portable electronic fund transfer device

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Cited By (19)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1996038826A1 (en) * 1995-05-30 1996-12-05 Syseca S.A. Smart card system
WO1997037328A1 (en) * 1996-04-02 1997-10-09 Parcoflex Inc. Urban parking system
WO1997049071A1 (en) * 1996-06-19 1997-12-24 Tresor Tv Produktions Gmbh Information transmission system
FR2753861A1 (en) * 1996-09-25 1998-03-27 Fintel Sa METHOD AND SYSTEM FOR SECURING COMPUTER GAME SERVERS
FR2753860A1 (en) * 1996-09-25 1998-03-27 Fintel Sa METHOD AND SYSTEM FOR SECURING REMOTE SERVICES PROVIDED BY FINANCIAL ORGANIZATIONS
FR2753857A1 (en) * 1996-09-25 1998-03-27 Fintel Sa METHOD AND SYSTEM FOR SECURING THE DELIVERY OF SERVICES BROADCASTED ON AN INTERNET-TYPE COMPUTER NETWORK
NL1004249C2 (en) * 1996-10-11 1998-04-15 Datelnet Smart Services B V System with a computer and a number of portable terminals for a smart card, as well as a terminal for use in this system.
EP0815670A4 (en) * 1994-01-11 2000-12-13 Digicash Inc Multi-purpose transaction card system
SG81303A1 (en) * 1998-09-11 2001-06-19 Omron Tateisi Electronics Co Storage medium, read/write apparatus, card system, encryption key utilization method, station service system, and card issuing apparatus
FR2805422A1 (en) * 2000-02-18 2001-08-24 Florence Louise Marcelle Morin Fraud prevention commercial transactions integrated circuit card having radio wave set clock date/time and unique alpha numeric number generated when feed voltage holder inserted.
EP1168265A1 (en) * 2000-06-26 2002-01-02 Covadis SA Device for carrying out secure transactions in a communications network
WO2002001522A1 (en) 2000-06-26 2002-01-03 Covadis S.A. Computer keyboard unit for carrying out secure transactions in a communications network
FR2815154A1 (en) * 2000-10-11 2002-04-12 Apologic Inf Applic System to assist management of telephone communications with mobile personnel providing a home service, uses management server that can communicate over the public telephone network using dial tone modulation
US6377670B1 (en) 1996-09-25 2002-04-23 Fintel S.A. Method and system for ensuring the security of the supply of services of telecommunication operators
US6445780B1 (en) 1996-09-25 2002-09-03 Fintel S.A. Method and system for ensuring the security of telephone call management centers
EP0872816A3 (en) * 1997-04-18 2004-05-12 Fujitsu Limited Card unit processing apparatus
EP1460594A1 (en) * 1995-04-28 2004-09-22 Koninklijke KPN N.V. A device for transparent interaction between an IC card and a remote terminal
US6823317B1 (en) 1996-04-02 2004-11-23 Axxian Technologies Inc Urban parking system
US6931527B1 (en) 1996-11-08 2005-08-16 Fintel S.A. Method and system for ensuring the security of fax transmission using an identifying card

Citations (2)

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US3938090A (en) * 1975-02-13 1976-02-10 Bell Telephone Laboratories, Incorporated Terminal apparatus
US4511970A (en) * 1981-04-08 1985-04-16 Hitachi, Ltd. Portable terminal device

Patent Citations (2)

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US3938090A (en) * 1975-02-13 1976-02-10 Bell Telephone Laboratories, Incorporated Terminal apparatus
US4511970A (en) * 1981-04-08 1985-04-16 Hitachi, Ltd. Portable terminal device

Cited By (30)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0815670A4 (en) * 1994-01-11 2000-12-13 Digicash Inc Multi-purpose transaction card system
US6434238B1 (en) 1994-01-11 2002-08-13 Infospace, Inc. Multi-purpose transaction card system
EP1460594A1 (en) * 1995-04-28 2004-09-22 Koninklijke KPN N.V. A device for transparent interaction between an IC card and a remote terminal
FR2734937A1 (en) * 1995-05-30 1996-12-06 Syseca INTELLIGENT CHIP CARD SYSTEM
WO1996038826A1 (en) * 1995-05-30 1996-12-05 Syseca S.A. Smart card system
WO1997037328A1 (en) * 1996-04-02 1997-10-09 Parcoflex Inc. Urban parking system
USRE43245E1 (en) 1996-04-02 2012-03-13 Axxian Technologies Inc. Urban parking system
US6823317B1 (en) 1996-04-02 2004-11-23 Axxian Technologies Inc Urban parking system
WO1997049071A1 (en) * 1996-06-19 1997-12-24 Tresor Tv Produktions Gmbh Information transmission system
US6445780B1 (en) 1996-09-25 2002-09-03 Fintel S.A. Method and system for ensuring the security of telephone call management centers
FR2753860A1 (en) * 1996-09-25 1998-03-27 Fintel Sa METHOD AND SYSTEM FOR SECURING REMOTE SERVICES PROVIDED BY FINANCIAL ORGANIZATIONS
FR2753861A1 (en) * 1996-09-25 1998-03-27 Fintel Sa METHOD AND SYSTEM FOR SECURING COMPUTER GAME SERVERS
WO1998013971A1 (en) * 1996-09-25 1998-04-02 Fintel Method and system for ensuring the security of the remote supply of services of financial institutions
US7032109B1 (en) 1996-09-25 2006-04-18 Fintel S.A. Method and system for ensuring the security of service supplies broadcast on a computer network of the internet type
US6904520B1 (en) 1996-09-25 2005-06-07 Fintel S.A. Method and system for ensuring the securing of computer servers of games
FR2753857A1 (en) * 1996-09-25 1998-03-27 Fintel Sa METHOD AND SYSTEM FOR SECURING THE DELIVERY OF SERVICES BROADCASTED ON AN INTERNET-TYPE COMPUTER NETWORK
US6704715B1 (en) 1996-09-25 2004-03-09 Fintel S.A. Method and system for ensuring the security of the remote supply of services of financial institutions
WO1998013972A1 (en) * 1996-09-25 1998-04-02 Fintel Method and system for ensuring the security of computer servers of games
WO1998013984A1 (en) * 1996-09-25 1998-04-02 Fintel Method and system for ensuring the security of service supplies broadcast on a computer network of the internet type
US6377670B1 (en) 1996-09-25 2002-04-23 Fintel S.A. Method and system for ensuring the security of the supply of services of telecommunication operators
NL1004249C2 (en) * 1996-10-11 1998-04-15 Datelnet Smart Services B V System with a computer and a number of portable terminals for a smart card, as well as a terminal for use in this system.
WO1998016908A1 (en) * 1996-10-11 1998-04-23 Datelnet Intellectual Property B.V. System comprising a computer and a number of portable terminals for a smart card, as well as a terminal to be used in this system
US6931527B1 (en) 1996-11-08 2005-08-16 Fintel S.A. Method and system for ensuring the security of fax transmission using an identifying card
EP0872816A3 (en) * 1997-04-18 2004-05-12 Fujitsu Limited Card unit processing apparatus
SG81303A1 (en) * 1998-09-11 2001-06-19 Omron Tateisi Electronics Co Storage medium, read/write apparatus, card system, encryption key utilization method, station service system, and card issuing apparatus
FR2805422A1 (en) * 2000-02-18 2001-08-24 Florence Louise Marcelle Morin Fraud prevention commercial transactions integrated circuit card having radio wave set clock date/time and unique alpha numeric number generated when feed voltage holder inserted.
WO2002001520A1 (en) 2000-06-26 2002-01-03 Covadis S.A. Device for carrying out secure transactions in a communications network
WO2002001522A1 (en) 2000-06-26 2002-01-03 Covadis S.A. Computer keyboard unit for carrying out secure transactions in a communications network
EP1168265A1 (en) * 2000-06-26 2002-01-02 Covadis SA Device for carrying out secure transactions in a communications network
FR2815154A1 (en) * 2000-10-11 2002-04-12 Apologic Inf Applic System to assist management of telephone communications with mobile personnel providing a home service, uses management server that can communicate over the public telephone network using dial tone modulation

Also Published As

Publication number Publication date
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