DE102016204316A1 - Means of transport and method for charging a cash card - Google Patents

Abstract

A means of transportation (10) and a method for charging a cash card (1) are proposed. The method comprises the steps of: identifying the debit card (1) by means of a first sensor (2) of a means of locomotion (10) determining a debit amount to be stored on the debit card (1) and transferring an amount of money to the debit card (1) for the production of the target amount.

Description

The present invention relates to a means of transportation and a method for charging a cash card by means of a means of locomotion. In particular, the present invention relates to a convenient way to load a cash card.

For many people, the vehicle is a "own little world", on the one hand as a status symbol, but on the other hand also as a retreat, where personal things can be stored and on which one is safe. This sense of security will be u. a. achieved by a strong personalization, z. B. equipment according to individual wishes, access only for themselves via a personalized key, clear driver recognition via interior cameras or other biometric recognition systems, protection against external access by functioning security mechanisms, positioning systems, etc. In many areas people already trust the vehicle safety-related things, such , For example, professional matters are clarified from there by telephone or electronic data processing, private calendars and files are synchronized etc.

Only when it comes to money in the vehicle, people are still very sensitive, although they z. For example, from home you can do your banking business without major security concerns. Also very popular are cash cards that allow cashless payment of small amounts of money (up to € 200.00) even without an additional user identification by a prepaid credit. The loading of such a cash card either at ATMs, loading terminals or cash, or via various online procedures (Giropay, voucher, advance payment, etc.). Recently it has been possible to pay contactlessly via "Girogo". Here, however, the maximum volume is only € 20.00. In the future, these contactless cash cards should also be chargeable via near field communication (NFC).

DE 19925663 A1 discloses a method for reading funds contained in a cash card in a means of transportation.

The disclosures known in the prior art have in common that the loading of the cash card is always expensive and / or only possible at specific locations, since special software / hardware is required. This limits the mobility of the user. Fraud attempts by spying on personal identification numbers (PIN) entered at ATMs results in many users / bank customers being accompanied by an uncomfortable feeling when running cash transactions at ATMs.

It is an object of the present invention to make the loading of a cash card more user-friendly and secure.

The above-identified object is achieved by a means of transportation and a method for charging a cash card. The term "cash card" is understood to mean a prepaid payment means initially described, which can be charged by wire and / or wireless with "cash amounts" which can be used for paying without a new user identification. According to the invention, the cash card is first identified by means of a first sensor of the means of locomotion. The sensor is thus part of the means of transportation and is able to identify the cash card at least to the extent that it is the subject of an intended charging process. Moreover, the cash card can for example be associated with an account of its owner, so that the account can be charged for recharging the cash card with a corresponding amount of money. In addition, a target amount to be stored on the cash card is determined. This may mean that the target amount is fixed from the outset or, for example, is defined by a user by means of a user interface as part of the charging process. Alternatively, the user may also define the target amount by an amount to be additionally charged to the existing amount. Subsequently, the amount of money is transferred by the first sensor to the cash card to provide the cash card with the target amount. By means of the first sensor can thus be made not only a readout of a currently stored amount of money on the cash card, but also an adjustment of the amount of money stored on the cash card. The sensor can thus also be understood as a read / write device. As a result, it is no longer necessary for the user to leave the means of transportation or even to visit a branch of his bank in order to load his cash card. This increases the user comfort, reduces the possibility of a criminal incident and improves the identification of the user with his means of transportation.

In other words, the aim is to use the safe experienced interior of a vehicle for monetary transactions. Specifically, for example, the charging of the above-mentioned cash card is to be made possible, which has proven itself especially for smaller everyday purchases. In order not to have to pay for the cash card online in advance (with a high expenditure on software installation and hardware procurement) or extra at the ATM, this should also be possible in the vehicle. In addition, in modern vehicles there are security mechanisms which prevent a third-party access or at least in the case of such an authorized one Warn users. Moreover, modern means of transportation are often equipped with suitable hardware and software in order to make, if necessary, with slight adjustments, the inventively unique identification of the driver or his cash card. In addition, preferably a secure protocol / encryption is used for data transmission, which must comply with the appropriate rules or. These and other causes are intended to give the driver a secure feeling that they want to handle their financial transactions in or via the vehicle in the future.

The dependent claims show preferred developments of the invention.

Preferably, a data memory of the means of transport for automatically determining the amount of money to be transferred can be read out. For example. The user can set a minimum amount in a configuration menu of the means of transport, which should always be available on the cash card. If, after waking up from a rest state, the means of locomotion determines that the current amount of money on the cash card is less than the predefined minimum amount, the method according to the invention is carried out automatically and without the need for user interaction. This increases the user comfort and cash liquidity of the user.

The user of the cash card can be identified, for example, by means of a second sensor of the means of locomotion in order to authorize an embodiment of the method according to the invention. For this purpose, for example, an interior camera can be used, which can also be used to monitor a state of tiredness of the user. A comparatively simple feature of the user is the recognition of a radio key currently used and assigned to the user. In other words, a relationship between the cash card and a radio key used to open the vehicle is used to identify the user. Alternatively or additionally, a fingerprint sensor (eg on the steering wheel) provided in the means of locomotion may be provided to identify the user. In addition, an alphanumeric keyboard for inputting a personal identifier of the user can be kept available (for example via a user interface comprising a touch-sensitive screen and / or a voice input functionality), wherein the personal identifier is linked to the cash card in terms of information technology and is used for the authorization check of the user. In particular, a combination of the aforementioned sensors can ensure a high integrity of the method according to the invention for processing a cash transaction.

For example. Using speech recognition and / or an alphanumeric keypad, the user can set a current debit amount for the money transfer to his cash card. This amount may override any pre-configured / preset amount, at least for the current transfer. If the user wishes to change (in particular wants to increase) a preset target amount, an additional query can be made to ensure that the cash card or means of transportation has not been embezzled.

The first sensor can be designed as a read / write device in the means of transport such that it is suitable for a permanent whereabouts of the cash card. For this purpose, a visually appealing and dust / damage protective cover / aperture should be provided, which, for example, in response to a slight pressure or another command of the user releases the debit card. This ensures that the user is always liquid when traveling with the means of transportation.

Access to the cash card by the sensor of the means of locomotion can be done electrically and / or electromagnetically. For this purpose, the first sensor can make a conductive contact with the cash card in order to carry out the exchange of information. Alternatively or additionally, an inductive method can eliminate the need for an exact arrangement of the debit card in or on the first sensor. Such a method can be carried out, for example, in the manner of near-field communication (NFC).

According to a second aspect of the present invention, a means of transportation (eg, a car, a van, a truck, a motorbike, a watercraft, and / or an aircraft) is proposed which includes a first sensor for reading and writing a cash card. A second sensor is provided for identifying a holder of the cash card. It will be apparent to those skilled in the art that even sensors and user interfaces of mobile wireless communication devices may be incorporated into the on-board network of the means of transport to assist in the method of the invention and that corresponding methods are also to be considered as the subject matter of the present invention first sensor is part of the means of locomotion. A transceiver device is set up to exchange information with the user's Internet or a financial institution and / or with a user's wireless communication device in order to use the transceiver device of the wireless communication device for exchanging information with the user's Internet or financial institution. An evaluation unit is set up, a Determine the amount to be stored on the cash card. The evaluation unit can be embodied, for example, as an electronic control unit and / or as a programmable processor and / or as a microcontroller. If the desired amount to be stored deviates from the amount of money currently stored on the debit card, the means of transportation according to the invention can use the first sensor to transfer the required difference amount to the debit card. In other words, the transportation means according to the invention is arranged to carry out a method as has been described in detail in connection with the abovementioned first aspect of the invention. The features, combinations of features and the advantages resulting therefrom thus clearly correspond to those of the abovementioned method, which reference is made to the above statements in order to avoid repetition.

Further details, features and advantages of the invention will become apparent from the following description and the figures. Show it:

1 a schematic view of components of an embodiment of a means of transport according to the invention; and

2 a flowchart illustrating steps of an embodiment of a method according to the invention for charging a cash card.

1 shows a car 10 as a means of transportation in which a user 9 one in a first sensor 2 arranged money card 1 wants to be provided with a predetermined amount of money as a target amount. About a screen 7 as a user interface is the user 9 an alphanumeric keyboard 11 presented, which the user 9 uses to enter the target amount. The entered target amount is as well as by means of an interior camera 8th determined characteristics of the user and one from a radio key 4 through an access device 3 read identification to an electronic control unit 6 supplied as evaluation. If the electronic control unit 6 based on data from a data store 5 determines that the cash card 1 the user 9 is assigned uses the electronic control unit 6 the mobile phone 14 and / or the antenna 13 of the car 10 to obtain the required balance from a user's financial institution (not shown) 9 request and in case of a successful request the difference amount by means of the first sensor 2 on the cash card 1 to write. The in the car 10 provided arrangement 12 thus allows a comfortable and secure charging of the cash card 1 and can be used to identify the user 9 also on sensors of his mobile phones 14 access. The identification of the user 9 in the car, for example, by means of the fingerprint sensor and / or a front camera of his mobile phone 14 and / or by a voice command or a voice analysis by means of the mobile phone 14 respectively. In case of a successful authorization of the user 9 will the money card 1 over the first sensor 2 which has an NFC sensor (not shown separately) and secure communication via data protocols of the communication infrastructure of the car 10 controlled.

2 shows steps of an embodiment of a method according to the invention for charging a cash card. In step 100 the cash card is identified by means of a first sensor of a means of transportation. In step 200 the holder of the cash card is identified by means of a second sensor of the means of transportation as well as of his mobile telephone. If a comparison with information stored in a data memory of the means of locomotion leads to a successful authorization of the holder for the desired cash transaction, then a desired amount to be stored on the debit card is determined by applying a predefined value which the user has already provided at an earlier point in time (e.g. B. operating cycle or life cycle of the means of locomotion) has been read out. This is done in step 400 with read access to a local data memory of the means of locomotion, in which also instructions for carrying out the method according to the invention are stored and for the electronic control unit 6 be kept readable. In step 500 finally, the amount of money required to produce the debit amount is transferred to the cash card. For this purpose, the passenger car builds up a wireless communication connection with the debit card, writes the debit amount into a data memory of the debit card and sends the electronic control unit and the user's financial institution enforcement.

LIST OF REFERENCE NUMBERS

1

money card

2

first sensor

3

second sensor

4

radio key

5

data storage

6

electronic control unit

7

screen

8th

Interior camera

9

user

10

car

11

alphanumeric keyboard

12

arrangement

13

antenna

14

mobile phone

100-500

 steps

QUOTES INCLUDE IN THE DESCRIPTION

This list of the documents listed by the applicant has been generated automatically and is included solely for the better information of the reader. The list is not part of the German patent or utility model application. The DPMA assumes no liability for any errors or omissions.

Cited patent literature

• DE 19925663 A1 [0004]

Claims (11)

Method for charging a cash card ( 1 ) comprising the steps of: - identifying ( 100 ) of the cash card ( 1 ) by means of a first sensor ( 2 ) of a means of transport, - 300 ) one on the cash card ( 1 ) amount to be stored, and - transfer ( 500 ) of an amount of money on the cash card ( 1 ) for the production of the target amount. Method according to claim 1 further comprising - readout ( 400 ) of a data memory ( 5 ) of the means of locomotion ( 10 ) for automatically determining the amount of money to be transferred. The method of claim 1 or 2 further comprising - identifying ( 200 ) of a holder ( 9 ) of the cash card ( 1 ) by means of a second sensor ( 3 . 8th ) of the means of locomotion ( 10 ). Method according to claim 3, wherein the second sensor ( 3 . 8th ) - an interior camera and / or - an access device and / or - a fingerprint sensor and / or - an alphanumeric keyboard. Method according to one of the preceding claims, wherein the determination of the desired amount by means of a user interface ( 7 ) of the means of locomotion ( 10 ) user input is made. Method according to one of the preceding claims, wherein the transfer of the cash amount to the cash card ( 1 ) for establishing the target amount automatically in response to an actual amount to be stored on the debit card to be stored ( 1 ) he follows. Method according to one of the preceding claims, wherein the cash card ( 1 ) in a read / write device of the means of locomotion ( 10 ), in particular protected from dust and damage, loaded and preferably stored. Method according to one of the preceding claims, wherein the transfer of the amount of money by means of a means of transportation ( 10 ) electrical signal is generated. Method according to one of the preceding claims, wherein the first sensor ( 2 ) inductively and / or conductively on the cash card ( 1 ) accesses. Means of transportation ( 10 ) - a first sensor ( 2 ) for reading and writing a cash card ( 1 ) - a second sensor ( 3 . 8th ) for identifying a holder ( 9 ) of the cash card ( 1 ) - a transceiver device ( 13 ) and - an evaluation unit ( 6 ), which is set up, - one on the cash card ( 1 ) to determine the target amount to be stored and - by means of the first sensor ( 2 ) a sum of money on the cash card ( 1 ) to produce the target amount.  Means according to claim 10, which is arranged to carry out a method according to one of the preceding claims 1 to 9.

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