RU2035067C1 - Device for performing accounting operations by means of electronic card - Google Patents

Abstract

FIELD: computer engineering. SUBSTANCE: device performing accounting operations by means of electronic card 1 having different memory zones 2 has unit 7 for reading information from electronic card, data analyzer 8, unit 9 for erasing data in memory about performed account operation, unit 10 for input of data from card user, unit 11 for storing remainders of accounts to electronic card, unit 12 indicating account information. Service processing unit 14 and specific design of unit 8 are introduced to accomplish the goal of invention. It is also possible to introduce unit 13 for indication medical data. Device provides possibility for separate reading information about different sources of payment and different banks. Device also provides possibility for processing remainders of accounts and their storage to card after erasing information about previous payments. EFFECT: increased functional capabilities. 7 cl, 6 dwg

Description

 The invention relates to computer technology and can find application in automated systems of cashless payments and the provision of services that require identification of the user and taking into account his individual indicators, as well as in organizing automatically controlled access and use, while providing emergency medical care and servicing in medical institutions.

 A known system for performing financial transactions using a card with an integrated circuit [1] which includes a card with an integrated circuit, an automatic machine for performing a financial transaction, including a device for reading information from a card, a device for inputting additional data from a user, necessary to complete a financial transaction. The disadvantages of this system include the inability to write balances of payment amounts on the card after the payment transaction is completed, as well as the use of various sources of financing payments.

 A device for making payments using an electronic card is known that is selected as a prototype. It contains an electronic card reader, the output of which is connected to the first input of the information analyzer, the first third outputs of which are connected respectively to the input of the block for erasing financial information from the electronic card, to the input of the unit recording balances of payment amounts on an electronic card and to the first input of the payment amount display unit, the second input of which is connected to the first output of the input unit For information on the user [2] The main disadvantages of this device are the lack of ability to record separately on the payment card information from the various sources of funding, to record the remains of payment of sums of the card, to perform services that require user authentication and accounting for its individual performance.

 The problem solved by this invention is to create a device for making payments and services using an electronic card, which is a universal "wallet" that allows you to make payments from various sources of financing without direct operational communication with banks, as well as use this "electronic wallet" to implement services requiring user identification.

 To achieve this result, an electronic card payment device containing an electronic card information reading unit, the output of which is connected to the first input of the information analyzer, the first third outputs of which are connected respectively to the input of the erasing financial information from the electronic card, to the input of the unit recording balances of payment amounts on an electronic card and to the first input of the payment amount display unit, the second input of which is connected to the first output of the inform input unit The user has entered a service execution unit, and the information analyzer consists of a memory unit, a control unit, a payment transaction unit, an electronic card identification unit, a user identification unit and a switch, the information input of which is the first input of the information analyzer, and the first output is connected to the first input of the payment transaction processing unit, the first third outputs of which are the same outputs of the information analyzer, the second output of the switch is connected to the first input of the ide ntification of an electronic card, the group of inputs and outputs of which and the group of inputs and outputs of the payment processing unit are connected respectively to the second first group of inputs and outputs of the memory unit, the third and fourth outputs of the switch are connected to the first inputs of the user identification node and the control node, the output of the identification node an electronic card is connected to the second input of the payment transaction processing unit, the fourth output of which is connected to the control input of the memory unit and the input of the inform input unit from the user, the second output of which is connected to the input of the mode selection of the information reader from the electronic card, the third eighth outputs of the user information input unit are connected respectively to the control input of the switch, the third and fourth inputs of the payment processing unit, the second input of the electronic card identification unit, the second input of the user identification node and the second input of the control node, the output of the user identification node is connected to the fifth input of the payment execution node perazim and the first input of the execution of services, the second input of which is connected to the output of the control unit.

 In addition, a medical indicators display unit can be introduced into the device, the input of which is connected to the additional output of the user identification node.

 In FIG. 1 shows a functional diagram of a device; in FIG. 2 functional diagram of the information analyzer; in FIG. 3 is a functional diagram of a payment transaction processing unit; in FIG. 4 is a functional diagram of an electronic card identification unit; in FIG. 5 is a functional diagram of a user identification node; in FIG. 6 functional diagram of the control unit.

 The device contains an electronic card 1 with memory zones 2-6 for recording information on financial transactions, identification card numbers, secret code numbers, user identification information, codes and passwords, an electronic card information reading unit 7, an information analyzer 8, block 9 erasing information about a financial transaction, a block 10 for inputting information from a user, a block 11 for recording balances of payment amounts on an electronic card, a block 12 for displaying payment amounts, a block 13 for indicating medical displays Ateliers and block 14 services. Zones 2-6 of the memory of the electronic card through the corresponding outputs of the card 1 are connected, for example, electronically or inductively to the corresponding inputs of the information reading unit 7, the output of which is connected to the first input of the information analyzer 8, the first and third outputs of which are connected respectively to the input of the unit 9 erasing financial information, to the input of block 11 of the record of balances of payment amounts and the first input of block 12 of the indication of payment amounts, the second input of which is connected to the first output of block 10 for entering information about t user. The fourth output of the analyzer 8 is connected to the input of the unit 10, the second output of which is connected to the input of the mode selection of the information reading unit 7. The third eighth outputs of block 10 are connected respectively to the second-seventh inputs of the analyzer 8, the fifth and seventh outputs of which are connected respectively to the first and second inputs of the service execution block 14 and the input of the medical indicators display unit 13.

 The information analyzer 8 contains (Fig. 2) a switch 15, a payment transaction processing unit 16, an electronic card identification section 17, a user identification section 18, a control section 19 and a memory unit 20, the first and second groups of inputs and outputs of which are connected to the groups of inputs - the outputs of node 16 and node 17, respectively. The information and control inputs of switch 15 are, respectively, the first and second inputs 51 and 52 of analyzer 8. The first and fourth outputs of switch 15 are connected to the first inputs of node 16, node 17, node 18, and nodes, respectively la 19, the output of the node 17 is connected to the second input of the node 16, the third and fourth inputs of which are the inputs of the same name 53 and 54 of the analyzer 8. The second inputs of the nodes 17-19 are, respectively, the fifth-seventh inputs 55-57 of the analyzer 8. The first-fourth outputs of the node 16 are the outputs of the same name 61-64 of the analyzer 8, the first output of the node 18, the output of the node 19 and the second output of the node 18 are respectively the fifth to seventh outputs 65-67 of the analyzer 8. The control input of the memory unit 20 is connected to the fourth output of the node 16, and the first output node 18 is also connected to the fifth input at evil 16.

 The payment processing unit 16 contains (Fig. 3) the first-third decoders 21-23, the pairing unit 24, the first-third comparison units 25-27, the first-third elements 28-30 And, the first and second blocks 31 and 32 of key elements and a subtractor 33. The combined inputs of the decoders 21-23 are the first output 71 of the node 16, the output of the first decoder 21 is connected to the input of the interface unit 24, the group of inputs and outputs of which is the group of inputs and outputs of the node 16, and the first and second outputs are connected to the inputs of the same name block 25. The output of the decoder 22 is connected to the first input block 26, the outputs of the comparison blocks 25 and 26 are connected to the inputs of the element And 28, the output of which is connected to the first input of the element And 29. The second inputs of the element And 29 and block 26 are respectively the second and third inputs 72 and 73 of the node 16. The output of the decoder 23 is connected to the information input of the key block 31 and the first input of the block 27, the second input of which is combined with the input of the subtracted subtractor 33 and is the fourth input 74 of the node 16. The outputs "equal" and "more" of the comparison block 27 are combined and connected to one input of the And 30 element, whose other input is connected with the output of element And 29, and the output is connected to the control input of block 31. The control input of block 32 is the fifth input 75 of node 16, and the first and second outputs of block 32 are the same outputs of node 16. The output of block 31 is connected to the input of the reduced subtractor 33, the output which is connected to the information input of block 32 and is the third output of node 16. The output “less” of comparison unit 27 is the fourth output of node 16.

 The electronic card identification unit 17 contains (Fig. 4) a conjugation unit 34, a first and second comparison unit 35 and 36, an element 37, a first and second decoders 38 and 39, the inputs of which are combined and are the first input of the node 17. The output of the decoder 38 is connected with the input of the interface unit 34, the group of inputs and outputs of which is a group of inputs and outputs of the node 17, and the first and second outputs are connected to the inputs of the same name of the comparison unit 35. The output of the decoder 39 is connected to the first input of the block 36, the second input of which is the second input of the node 17. The outputs of the blocks 35 and 36 are connected to the inputs of the element And 37, the output of which is the output of the node 17.

 The user identification node 18 contains (Fig. 5) the first and second decoders 40 and 41, the combined inputs of which are the first input of the node 18, the third and fourth decoders 42 and 43, the combined inputs of which are the second input of the node 18, the first and second blocks 44 and 45 comparison and the element And 46. The outputs of the decoders 40 and 41 are connected to the first inputs of the block 44 and the block 45, the second inputs of which are connected to the outputs of the decoder 42 and the decoder 43, respectively. The outputs of the blocks 44 and 45 are connected to the inputs of the And 46 element, the output of which is ne the first output of the node 18. The output of the second decoder 41 is the second (additional) output of the node 18.

 The control unit 19 contains (Fig. 6) a comparison unit 47 and an interface unit 48, the first and second inputs of which are the inputs of the same node 19, and the first and second outputs are connected to the inputs of the same unit 47, the output of which is the output of the unit 19. Blocks 7 , 9 and 11 may be the same as in the prototype. Block 10 input information from the user can be, as in the prototype, a keyboard. The display units 12 and 13 are, for example, displays. The service execution unit 14 may be implemented, for example, in the form of a relay device, which, upon the arrival of an external signal, provides an input signal for starting the drive of the lock, door, safe, etc. Blocks 24, 34 and 48 pairing solve the standard task of comparing the information received from other blocks.

 The algorithm of the device for making payments using an electronic card is as follows.

 Upon receipt by the owner of the electronic card 1, information for card identification and a secret code number), information for identification of the cardholder’s identity (passport data and individual medical indicators), as well as codes and passwords necessary to obtain the corresponding ones are recorded in its respective memory zones 2-6 services.

 When performing a financial transaction in a bank, on an electronic card 1 in memory zone 2 to record information on a financial transaction in the cell corresponding to the source of financing selected by the card holder 1, write down the code of the bank that performed the financial transaction, the source code of the financing, for example, cash "electronic money", as well as the amount of funds provided to card holder 1 from this source of financing.

When making payments, the device performs the following operations:
using the information input unit 10, the user receives from the user an indication of the selected service mode, for example, making a cash payment using "electronic money", as well as information about the amount of the upcoming payment and information necessary to identify the card and the user;
using the electronic information card reading unit 7, reads information from the card 1, moreover, payment information is read from the corresponding cell of the memory zone 2 to record information about the financial transaction in accordance with the payment source selected by the user;
using the information analyzer 8, the electronic card 1 is identified by comparing the information read from the card 1 in the electronic card identification node 17 and the secret code number entered by the user, the suitability of card 1 for use is simultaneously determined by comparing its identification number with those stored in block 20 memory by numbers of cards withdrawn from circulation, for example, lost, stolen, etc.

using the user identification node 18, a user 1 is identified by card 1 by comparing the information about passport data and medical indicators read and entered by the user;
with the help of the payment transaction processing unit 16, upon receipt of positive results of the identification of the card and the user's identity, he calculates the balance of the payment amount by subtracting the amount of the forthcoming payment from the amount read from card 1, and also informs the user about the calculation results using the payment amount display unit 12;
by using the block 9 to erase financial information at the direction of the user, it erases the information recorded there in the corresponding cell of zone 2 of the card’s memory and, using the block 11 for recording balances of payment amounts on an electronic card, writes the balance of the payment amount to the place of the erased information;
using the memory unit 20 documents the results of the payment transaction, i.e. remembers the identification number of the card, the code of the bank that performed the financial transaction, the source of the payment financing, the initial payment amount recorded on card 1, the accepted payment amount and the balance of the payment amount recorded on card 1. In addition, bank codes are stored in the memory unit 20, serviced by the system, which includes the device in question. The indicated codes are compared by the analyzer 8 using the node 16 for performing payment transactions with the bank code read from the card when determining the possibility of conducting payment transactions.

 When performing services, the device, upon receipt of positive results of identification of the card and the identity of the card holder, issues a permit to perform the service to block 14, which is, for example, a device for issuing a signal to start a lock drive, a door locking device, etc.

 When using the device, the cardholder (or user), using the information input unit 10 from the user, which, for example, is equipped with a keyboard, enters the necessary information into the device, and the service mode selection signal is supplied to the corresponding input of the information reading unit 7 from the electronic card and to control input of the switch 15. The specified signal in block 7 using the available in it, for example, the switch provides information from the corresponding memory cell of zone 2 memory for recording information mation on the financial transaction. The read information goes to the information input of the switch 15 (input 51 of the analyzer 8) and then to the inputs of the payment processing unit 16, the electronic card identification unit 17, the user identification unit 18 and, if necessary, the control unit 19. At the second inputs of all of the listed nodes, information comes from the user input unit 10.

 The node 17 identification of an electronic card operates as follows.

 Information on its identification number read from card 1 is received at the input of the interface unit 34 from the decoder 38, and information about the read secret code is received at the first input of the comparison unit 36 from the decoder 39. The second input of block 36 receives information about the secret code entered by the user. The interface unit 34 provides for reading from the memory unit 20 the numbers of electronic cards withdrawn therefrom written there and their sequential comparison with the number of the presented card using the comparison unit 35. If there is no match at the outputs “more” or “less” of the comparison block 35, a signal appears that opens the And 37 element. The latter is triggered when the secret code number read out, the information about which comes from the decoder 39 to the first input of the comparison block 36, and the secret the code number entered by the user from block 10 and received at the second input of the second block 36 comparison. When triggered, the AND element 37 gives a signal about the rate of identification of the card 1 to the node 16 and the service execution unit 14.

 In the user identification node 18, the read passport data of the card holder is transmitted through the decoder 40 to the first input of the comparison unit 44, and the read individual medical data through the decoder 41 to the first input of the comparison unit 45. The second inputs of the blocks 44 and 45 through the decoders 42 and 43 receive the same information entered by the user. If the read information matches the information entered from block 10, the AND element 46 is triggered and gives a signal about the user identification rate to the payment transaction processing unit 16 and the service execution unit 14.

 Node 16 execution of the payment operation operates as follows.

 Information from card 1, read from zone 2 of the memory to record information about the financial transaction, enters through the switch 15 to the inputs of the decoders 21-23. The first decoder 21 of the analyzer 8 passes information about the code of the bank that performed the financial transaction to the first input of the pairing unit 24, which reads the bank codes written there from the memory unit 20 to compare them with the read bank code using the comparison unit 25. If there is a read bank code in the memory of block 20, the first block 25 of the comparison signal at its output "equals" will open the element And 28, which in turn, when the payment source code entered by the user matches the payment signal, will work from the signal "equals" of the block 26 of the comparison. Upon receipt of a signal about the identification norm of the electronic card from the node 17, the And 29 element will work and will open the And 30 element through its output. Information about the payment amount read through the decoder 23, as well as information about the amount of the forthcoming payment from the information input unit 10, are received from the user block 27 comparison, which if the read amount is greater than or equal to the entered by the user, will ensure the operation of the And 30 element, and if the read amount is less than the entered, it will output “less” to the information input unit 10 a signal from the user about the impossibility of making a given payment. After the And 30 element is triggered, the key element block 31 is also triggered, which will pass information on the read amount to the input of the reduced subtracter 33, which will subtract the amount entered by the user from it, and will send the resulting difference to the payment amount display unit 12 and the information input of the 32 key element block which, upon receipt of a signal on the user's identification norm at its control input, will provide a signal to start the block 9 for erasing financial information and transmit information and transmit information to block 11 Apis residues payment amounts. The information input unit 10 from the user can be equipped with controls, for example, keys, with which the user can set the device operation mode with a mandatory stop after indicating the calculated amount before the transaction to erase payment information on the card 1 and continue to work at the user's command.

 In the control unit 19, the inputs of the interface unit 48 receive, respectively, information about the read code or password and information from the user. Block 48 provides a comparison operation between the two information using block 47 comparison. In case of coincidence of the compared codes or passwords, block 47 provides a service execution permission signal to block 14.

 Thus, this device allows you to separately read from an electronic card payment information received from various sources of payment and in various banks, to calculate the balances of payment amounts and write them to the card upon completion of erasing payment information, as well as to identify the user and card holder when performing payments and services, use the individual data and indicators of the card holder as an additional level of protection against unauthorized access to the card.

Claims (7)

 1. DEVICE FOR PAYMENT USING ELECTRONIC CARD, containing a block for reading information from an electronic card, the output of which is connected to the first input of the information analyzer, the first third outputs of which are connected respectively to the input of the block for clearing financial information from the electronic card, the input of the unit for recording balances of payment amounts on an electronic card and the first input of the payment amount display unit, the second input of which is connected to the first output of the information input unit from the user, different t We assume that a service execution unit has been entered into the device, and the information analyzer consists of a memory unit, a control unit, a payment operation unit, an electronic card identification unit, a user identification unit and a switch, the information input of which is the first input of the information analyzer, and the first output is connected with the first input of the payment transaction processing node, the first third outputs of which are the same outputs of the information analyzer, the second output of the switch is connected to the first input of the identifier node electronic card identification, the group of inputs and outputs of which and the group of inputs and outputs of the payment transaction processing unit are connected respectively to the second and first groups of inputs and outputs of the memory block, the third and fourth outputs of the switch are connected to the first inputs of the user identification node and the control node, respectively, the node output the identification of the electronic card is connected to the second input of the payment transaction processing unit, the fourth output of which is connected to the control input of the memory unit and the input of the inform input unit communications from the user, the second output of which is connected to the input of the mode selection of the information reader from the electronic card, the third eighth outputs of the user information input block are connected respectively to the control input of the switch, the third and fourth inputs of the payment transaction processing unit, the second input of the electronic card identification node, the second input of the user identification node and the second input of the control node, the output of the user identification node is connected to the fifth input of the payment execution node first input operations and perform the service unit, the second input of which is connected to the output of the control unit.  2. The device according to claim 1, characterized in that it contains a medical indicators display unit, the input of which is connected to the additional output of the user identification node.  3. The device according to claim 1, characterized in that the payment transaction processing unit comprises a first third comparison unit, an interface unit, a first and second block of key elements, a subtracter, a first third element AND and a first third decoders, the inputs of which are combined and are the first input node, the output of the first decoder is connected to the input of the interface unit, the group of inputs and outputs of which is a group of inputs and outputs of the node, the first and second outputs of the interface unit are connected to the inputs of the same name of the first comparison unit, the output is “Equal” cat The second one is connected to the first input of the first AND element, the output of the second decoder is connected to the first input of the second comparison unit, the second input of which is the third input of the node, the output is "Equal" of the second comparison unit is connected to the second input of the first AND element, the output of which is connected to the first input of the second element And, the second input of which is the second input of the node, the output of the third decoder is connected to the first input of the third block of comparison and the information input of the first block of key elements, the output of which is connected to the input reducible subtractor, the output "Less" of the third comparison unit is the fourth output of the node, the outputs "More" and "Equal" of the third comparison unit are connected to the first input of the third element And, the second input and output of which are connected respectively to the output of the second element And and the control input of the first block of key elements, the second input of the third comparison unit is combined with the input of the subtracted subtractor and is the fourth input of the node, the output of the subtractor is connected to the information input of the second block of key elements and is third output node, a control input and first, second unit outputs the second key elements are respectively first and fifth input, the second output node.  4. The device according to claim 1, characterized in that the electronic card identification node comprises a pairing unit, first and second comparison units, an element And, first and second decoders, the inputs of which are combined and are the first input of the node, the output of the first decoder is connected to the input of the block interfaces, the group of inputs and outputs of which is a group of inputs and outputs of the node, the first and second outputs of the interface unit are connected to the same inputs of the first comparison unit, the output of "Equally" which is connected to the first input of the element And, the output of the second cheap Rathore connected to the first input of the second comparator, the second input of which is the second input node, the output "equal to" the second comparator unit connected to the second input of the AND gate, whose output is the output node.  5. The device according to claim 1, characterized in that the user identification node contains the first fourth decoders, the first and second comparison units and the And element, the inputs of the first and second decoders and the inputs of the third and fourth decoders, respectively, are combined and are the first and second inputs of the node, the outputs of the first and second decoders are connected to the first inputs of the same comparison units, the outputs of the third and fourth decoders are connected to the second inputs of the first and second comparison units, respectively, the outputs are “Equal” ryh are connected to the first and second inputs of the AND element, the output of which is the output of the node.  6. The device according to claim 2, characterized in that the user identification node contains the first fourth decoders, the first and second comparison units and the And element, the inputs of the first and second decoders and the inputs of the third and fourth decoders, respectively, are combined and are the first and second inputs of the node, the outputs of the first and second decoders are connected to the first inputs of the same comparison units, the outputs of the third and fourth decoders are connected to the second inputs of the first and second comparison units, respectively, the outputs are “Equal” They are connected to the first and second inputs of the AND element, the output of which is the output of the node, and the output of the second decoder is an additional output of the node.  7. The device according to p. 1, characterized in that the control unit comprises a comparison unit and a coupler, the first and second inputs of which are the inputs of the same node, the first and second outputs of the coupler are connected to the same inputs of the comparison unit, the output of which is "Equally" node output.

Images