WO2013120473A1 - Universal card for simplifying the use of a multiplicity of cards - Google Patents

Description

 Universal card to simplify the use of a variety of cards

description

The invention relates to a system for simplifying the use of a plurality of cards, in particular credit cards, patient cards, smart cards or loyalty cards with at least one card with electronically stored personal data and at least one universal card and means for writing the personal data on the universal card, the means for writing as a portable data store with

 Input device are formed. Moreover, the invention relates to a method that copies personal data stored on cards to a universal card.

From the patent DD 292 983 such a device and such a method for simplifying the use of a plurality of cards is known. Furthermore, DE 10 2009 058 516 A1 discloses a method for granting access rights to a maintenance functionality of a device. In this method, an access certificate is provided in response to a first provisioning information and a second provisioning information and granted access rights according to the provided access certificate in accordance with a determined check result of the first provisioning information and the second provisioning information. The certificate attribute has at least one access right, a timestamp, a time range, an access right, an indication of a device, an indication of a maintenance functionality, a

Certificate attribute value, an alphanumeric string, and / or an order number.

CONFIRMATION COPY Finally, from DE 10 2010 022 794 A1 a device for verifying data at a local control point with a first interface for reading authentication data, a second interface to

 Data exchange between the validation terminal and a

 Validation server and a third interface for data exchange with a control point system known. The device also includes a

 Control device which sends the read via the first interface authentication data or a data set formed from the authentication data via the second interface parts for verification to the Verification server, which evaluates data received via the second interface and forwards the evaluated data to the third interface.

A disadvantage of this device and this method is that in the memory of the electric multifunction card all records of maps of the

User are saved. With the theft or loss of the multifunction card, it is thus possible for third parties to steal the card information of all cards belonging to the user.

The object of the invention is therefore to propose a solution that provides protection against complete data theft of the multifunction card.

The object is a system for simplifying the use of a plurality of cards, in particular credit cards, patient cards, chip cards or loyalty cards, with at least one card with electronically stored personal data and at least one universal card and with means for writing the personal data to the universal card, wherein the means for writing as a portable data storage with

 Input device are formed, achieved by a

 Docking station with at least one hardware interface, e.g. a magnetic stripe reader for reading the personal data of the card and possibly an access control device is present.

[A1] Thus, the invention solves the problem according to the principle by taking only for a temporary period required data from the user. There is thus no risk of loss for unnecessarily taken over data surplus. A docking station is used to select the data. If a docking station is present, all records on the docking station can be stored in secure rooms, such as a docking station. the private home of the user are stored centrally. Before leaving the room, the risk of loss can be lowered by selecting a number of records to be taken. If needed only for the completion of daily business

 Card information is transferred from the docking station to the portable data storage device, other card data sets will not be lost if the universal card is lost. So that the docking station can be conveniently used with a variety of cards, a variety of interfaces are available. In addition to magnetic stripe reader, chip card reader, USB interface and a W-LAN device is also a Nahfeidkommunikations- device available. Thus the docking station also for companies and

Authorities, it has through holes and weights so that it can be fixed on office walls or in government files to protect against theft on a wall. Via an electrical interface, the portable data storage is connectable to the docking station, which is why no charging cable is needed. Individual credit cards can be locked within a safe of the docking station. So that

Credit card information will not be lost in the event of a power failure the docking station on a rechargeable energy storage. By means of a touch screen, the fingerprint of the user or his

 Signature to be recorded, saved and assigned to a card. [A2] If the means for writing have a display, preferably a touch-sensitive display, then a keyboard for input can be dispensed with. Thus, the funds are designed to save space. Touchscreens allow a user to operate the device without complicated navigation tools, such as keyboards and computer mice.

[A3] In a preferred embodiment, the portable data storage is a smartphone. Smartphones are used by a large number of people every day. They are thus the common means for different

Everyday business, such as cashless payment, phoning or keeping calendars.

[A4] The fact that the portable data storage device has an interface to the docking station, preferably by means of a wireless

Active connection, data between the docking station and the portable data storage can be conveniently transferred, because a simple bring close to the portable data storage to the docking station, so that is dispensed with a cabling of the docking station. If the docking station has an interface for recording the portable

Data storage, the battery of the portable data storage can be conveniently loaded. [A5] The object is further achieved by a method using a system according to claim 1 for copying and saving personal data on a general-purpose card by carrying out the following steps be read from data stored on a card by means of a docking station and storing the read data in this for the purpose of transferring to a universal card, selecting the in the

 Docking station stored data of a card, transferring the data into a portable cache and describing the universal card with the data of the selected card by means of the portable cache, wherein at least one of the

 Data transfer operations are password protected. The fact that the data transfer operations are password protected, it is only a secret carrier, so the user or a person taught by him possible to transfer data between the docking station and the portable data storage.

[A6] In a preferred embodiment, the method is

programmatically, preferably by means of an application, app, on a smartphone. Applications are made available worldwide for download, so they can be accessed by a large number of users, so that the process can be made cheap and fast without the provision of unnecessary hardware to the end customer. In addition, applications are intuitive and easy to use; the user is therefore easy to use the method.

[A7] In a preferred embodiment, the personal data of selected cards are transferred from a memory embedded in a network into the memory of a smartphone. By networking different private electronic devices in a network, e.g. Data can be exchanged between devices on the Internet.

[A8] In a preferred embodiment, abuse cases are identified by means of a program stored on the universal card, in order subsequently to be able to access data stored thereon in the case of abuse Clear. For example, after three incorrect entries of a 5-digit PIN (personal identification number) the data will be deleted.

[A9] Because the docking station and / or portable data storage access network storage, credit card information is also available over the Internet from the home docking station. Thus, the user is able to access his data worldwide.

[A10] Also, the task is solved by following a procedure that copies the personal data stored on cards to a universal card, following these steps. Connect at least one card to a docking station, preferably by means of a

 Wireless communication device, reading the data from the card via the connection between docking station and card, saving the

read data in the docking station, preferably with a description assigned by the user, connecting the docking station to a portable data memory, such as e.g. a smartphone or a network, like. e.g. the Internet or a private network, e.g. Wi-Fi network, preferably via a wireless communication device, initializing the docking station to transfer data from the docking station to the portable data storage. Counting the

Entry attempts to check fraud attempts. It continues with displaying all the words stored in the docking station, preferably by displaying their associated description on a touch-sensitive surface, in particular a display,

Selecting data by a user, in particular by the user

Selecting a displayed description by means of an input of its choice through the touch-sensitive surface, transmitting the selected data to the portable data memory via the connection between

Docking station and portable data storage, possibly repeating the Selecting data and transferring it to the portable

 Data storage, connecting a universal card to the portable

 Data storage, e.g. with a magnetic card writer or by means of a near field communication device (NIR), initializing the portable

 A data memory, preferably with a password query, such as by inputting a general pin, displaying the data stored on the portable data memory on a touch-sensitive surface, selecting and transmitting the selected data to the universal card, one or more of the above-mentioned data transmissions being performed by means of a security prompt, e.g. General PIN, Protected, Temporarily displaying the pin associated with the selected record.

Desirably, by the count of the entry attempts, access by unauthorized persons, e.g. Fraudsters or thieves prevented. For this purpose, the portable data memory or the universal card is either blocked or the data is deleted.

A preferred embodiment of the invention will be explained by way of example with reference to a drawing. The figures of the drawing show in detail:

Figure 1 is a view of a docking station and

Figure 2 is a schematic representation of the system. FIG. 1 shows a docking station 4 in a front view. The

Docking station 4 includes in the upper input area a display 8, which is preferably designed as a touch screen, so that there data can be displayed and entered. In addition, the input fields 11 are present, which together form a keyboard. Older persons have the possibility to enter their inputs manually without the touchpad. Below the input area are the interfaces 6a, 6b and 6c for the transmission of data from cards 2 in the Docking station 4. In the figure 1 are shown a

 Nahfeldkommunikationseinrichtung 6a, a magnetic stripe reader 6b and a smart card reader 6c. Depending on the memory of the docking station 4 via these interfaces a plurality of cards 2 can be read out. In the lower right area of the view is a safe 10 in the docking station. 4

 admitted. In the safe 10 maps 2, whose data were read out can be closed surely. Thus, the docking station 4 in addition to stored data all data from cards 2 and the cards 2 itself. So that the docking station 4 can not be stolen, it can be fastened by means of the through holes 9 on a house wall. The

 Abstellfüße 13 serve to increase the docking station 4 and as additional weights against theft. They are made of steel and poured with concrete. The power supply of the docking station 4 is carried by the power cable 12. The battery compartment 14 includes at least one

rechargeable battery, which in case of power failure the

Docking station 4 powered. In the middle of the docking station 4, a memory card slot 15 is inserted. It includes the central

Memory unit of the docking station 4 with all the map data, so that all stored on the docking station 4 cards 2 can be removed by removing a central memory card. Thus, one is

 Transmission of stored map data between different docking stations 4 by replacing the central memory card possible. The memory card slot 15 is replaced by a

Securing mechanism well secured against unauthorized access. In the lid of the docking station 4, an interface 16 is inserted, on the basis of which the portable data memory 7 with the docking station 4 can be coupled.

FIG. 2 schematically shows the procedure of the method which copies personal data stored on cards to a universal card 3. The

Method uses a docking station 4 on the personal data different cards 2, eg credit cards or customer cards are transferred. For this, the cards 2 are connected to the docking station 4. This is done either via a wireless communication device or by inserting the card 2 in one

 Magnetic stripe card reader 6b (FIG. 1) or a chip card reader 6c (FIG. 1) or another active connection 20. After an active connection 20 has been established between card 2 and docking station 4, the card 2 will be read out so that the personal data is stored in the central memory 22 of the docking station 4 are stored. The central memory 22 is usually a memory card or other portable

 Memory device, such as a flash memory. The central memory 22 is located in the memory card slot 15. After the personal data has been stored on the central memory 22 in the docking station 4, they are available as needed. For this purpose, the portable data memory 7 is connected to the docking station 4 via the interface 16. This is the

 Professional install a plug (not shown) in the docking station 4 such that a socket of the portable data memory 7 is plugged onto the plug. Ideally, this is done via a

Wireless communication device 18. Such a connection is comfortable and allows the user to establish a connection between the portable data memory 7 and the docking station 4 across several rooms. After the connection between

Docking station 4 and portable data storage 7 has been established, the docking station 4 is to initialize. To do this, press a key of the input field 11. The initialization leads to the display of all personal data displayed on the docking station 4 in the form of a clear representation, e.g. a table on the portable data memory 7. On the basis of this display, the user can make a selection from the data records and thus all or some of the corresponding stored data of the

Request docking station 4. For this purpose, the user via the display 8, which is a touchpad, its input, so that the data from the docking station 4 are called. The data is then transferred from the docking station 4 to the portable data memory 7 via a second operative connection 17. The transmission is encrypted. The user repeats this process until he has downloaded from the docking station 4 all personal data that he intends to use temporarily, eg for a day-to-day business or a business trip. As soon as the user requires personal data, for example at the checkout of a department store or when withdrawing money from an ATM, he inserts the universal card 3 in the universal card holder 23 of his portable data storage 7. After the connection of the universal card 3 has been made with the portable data storage 7, the portable is

 To initialize data memory 7. For this the user has one

 Password request to answer. In the present embodiment, the user is asked for a general PIN for enabling the portable data memory 7. Alternatively, the portable data memory 7 can also be initialized by the operation of a button. The personal data carried on the portable data storage 7 are the

Users are shown on the display 8 so that he can make a selection. The required data set, in the aforementioned example, credit card data for payment at the cash register or the bank data for withdrawing money, are then transferred to the universal card 3 after selection. After the transfer is completed, the respective PIN of the applied card 2 is temporarily displayed on the display 8. As a result of this presentation, the user can use the programmed universal card 3 together with the PIN. The PIN is represented by the expiry of a PIN

Timeouts only for 20 seconds. Because of that, the portable

Data storage 7 is integrated into the Internet, it is possible to delete the data stored on him in case of loss, because over the Internet, at the request of the user a deletion command to the portable Data memory 7 are shipped. For this purpose, the provider of the portable data memory 7 is to inform a smartphone about the loss, so that the deletion command is sent.

References list

1st system

 2nd card

 3. Universal card

 4th docking station

 5. Hardware interface

6. Means

 7. Portable data storage

8. Display

 9. through hole

 10. Safe

 11. Input field

 12. Power supply

13. Abstellfuß

 14. Battery compartment

 15. Memory card slot

16. Electrical interface

17. active compound

 18. Wireless device

19. -

20. active compound

 21. active compound

 22. Central storage

 23. Universal card holder

Claims

claims A system (1) for facilitating the use of a plurality of  Cards, in particular credit cards, patient cards, chip cards or loyalty cards,  - with at least one card (2) with on it electronically  stored personal data and with  - at least one universal card (3) and with  - means (6) for writing the personal data to the  Universal card (3), whereby the means (6) for writing as a  - Portable data storage with input device (7) are formed, characterized in that  - A docking station (4) with  - at least one hardware interface (5), e.g. a magnetic stripe reader, for reading the personal data of the card (2) and possibly an access control device is present. 2. System according to claim 1, characterized in that the means (6) for writing a display (8), preferably a touch-sensitive display. 3. System according to claim 1 or 2, characterized in that the portable data memory (7) is a smartphone. 4. System according to claim 1, 2 or 3, characterized in that the portable data memory (7) has an interface (8) to the docking station, preferably a wireless operative connection. 5. Method, which is a system according to one of the preceding  Claims 1 to 4 for copying and backing up personal data from cards to a universal card, characterized by the steps of  Reading data from a card by means of a docking station,  Storing the read-out data therein for transfer to a universal card,  - selecting the data of a card stored in the docking station,  - Transfer the data to a portable cache and Describing the universal card with the data of the selected card by means of the portable cache, wherein at least one of the data transfer operations is password protected. 6. The method according to claim 5, characterized in that the  Program controlled, preferably by means of an application, App, running on a smartphone. 7. The method according to claim 5 or 6, characterized in that the personal data of selected cards are transferred from a network-integrated memory in the memory of a smartphone. 8. The method according to one or more of the preceding claims, characterized in that detected by means of a program stored on the universal card abuse cases and the data stored on the universal card data in case of abuse are deleted. 9. The method according to one or more of the preceding claims, characterized in that the docking station and / or the portable data memory accesses a network memory. 10. Method that copies personal data stored on cards to a universal card marked by the steps Connect at least one card to a docking station, preferably by means of a Wireless communication device,  Reading the data from the card via the connection between the docking station and the card  Save the read data in the  Docking station, preferably with a user assigned and / or description,  Connect the docking station with  a portable data storage,  such as. a smartphone or  a network,  as. e.g. the Internet or a private network, e.g. Wi-Fi network,  preferably via a  Wireless communication device  Initializing the docking station to transfer data from the docking station to the portable storage device, Displaying all data stored in the docking station, preferably by displaying its associated description on a touch-sensitive surface, in particular a display, Selecting data by a user, in particular by selecting a displayed one Description by means of an input of its choice through the touch-sensitive surface,  Transfer the selected data to the  portable data storage over the connection between Docking station and portable data storage,  if necessary, repeating the selection of data and their Transfer if necessary to the portable data storage under password request,  Disconnect the connection between portable  Data storage and docking station,  Connecting a universal card to the portable one Data storage, e.g. with a magnetic card writer or by means of a near-field communication device, Initialize the portable data store, preferably with a password query, such as by Entering a general pin,  View the data stored on the portable data store on a touch-sensitive device Surface,  Selecting and transmitting the selected data to the universal card, wherein one or more of the above-mentioned data transmissions is performed by means of a security prompt, e.g. Generalpin, Protected, Temporarily displaying the pin associated with the selected data set depending on the Setting a device.