CA1111567A - Personal portable terminal for financial transactions - Google Patents

Personal portable terminal for financial transactions

Info

Publication number
CA1111567A
CA1111567A CA309,371A CA309371A CA1111567A CA 1111567 A CA1111567 A CA 1111567A CA 309371 A CA309371 A CA 309371A CA 1111567 A CA1111567 A CA 1111567A
Authority
CA
Canada
Prior art keywords
xatr
dstc
data
terminal device
data storage
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.)
Expired
Application number
CA309,371A
Other languages
English (en)
French (fr)
Inventor
Paul E. Stuckert
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.)
International Business Machines Corp
Original Assignee
International Business Machines Corp
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 International Business Machines Corp filed Critical International Business Machines Corp
Application granted granted Critical
Publication of CA1111567A publication Critical patent/CA1111567A/en
Expired 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; CALCULATING OR 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
    • G06F15/0241—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 of the IC-card-like type
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07749—Constructional details, e.g. mounting of circuits in the carrier the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card
    • G06K19/07766—Constructional details, e.g. mounting of circuits in the carrier the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card comprising at least a second communication arrangement in addition to a first non-contact communication arrangement
    • G06K19/07769—Constructional details, e.g. mounting of circuits in the carrier the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card comprising at least a second communication arrangement in addition to a first non-contact communication arrangement the further communication means being a galvanic interface, e.g. hybrid or mixed smart cards having a contact and a non-contact interface
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07749—Constructional details, e.g. mounting of circuits in the carrier the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card
    • G06K19/07773—Antenna details
    • G06K19/07777—Antenna details the antenna being of the inductive type
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07749—Constructional details, e.g. mounting of circuits in the carrier the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card
    • G06K19/07773—Antenna details
    • G06K19/07788—Antenna details the antenna being of the capacitive type
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/0008—General problems related to the reading of electronic memory record carriers, independent of its reading method, e.g. power transfer
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/0013—Methods or arrangements for sensing record carriers, e.g. for reading patterns by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers
    • G06K7/0034—Methods or arrangements for sensing record carriers, e.g. for reading patterns by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers the connector being capable of simultaneously receiving a plurality of cards in the same insertion slot
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/0013—Methods or arrangements for sensing record carriers, e.g. for reading patterns by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers
    • G06K7/0056—Methods or arrangements for sensing record carriers, e.g. for reading patterns by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers housing of the card connector
    • G06K7/006—Methods or arrangements for sensing record carriers, e.g. for reading patterns by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers housing of the card connector the housing being a portable casing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/0013—Methods or arrangements for sensing record carriers, e.g. for reading patterns by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers
    • G06K7/0056—Methods or arrangements for sensing record carriers, e.g. for reading patterns by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers housing of the card connector
    • G06K7/0073—Methods or arrangements for sensing record carriers, e.g. for reading patterns by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers housing of the card connector having multiple insertion slots, the respective slots suited for the same or different card form factors
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3572—Multiple accounts on card
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
    • G07B15/00—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points
    • G07B15/06—Arrangements for road pricing or congestion charging of vehicles or vehicle users, e.g. automatic toll systems
    • G07B15/063—Arrangements for road pricing or congestion charging of vehicles or vehicle users, e.g. automatic toll systems using wireless information transmission between the vehicle and a fixed station
    • 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
CA309,371A 1977-12-30 1978-08-15 Personal portable terminal for financial transactions Expired CA1111567A (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US86619777A 1977-12-30 1977-12-30
US866,197 1977-12-30

Publications (1)

Publication Number Publication Date
CA1111567A true CA1111567A (en) 1981-10-27

Family

ID=25347127

Family Applications (1)

Application Number Title Priority Date Filing Date
CA309,371A Expired CA1111567A (en) 1977-12-30 1978-08-15 Personal portable terminal for financial transactions

Country Status (8)

Country Link
JP (1) JPS5853784B2 (de)
CA (1) CA1111567A (de)
DE (1) DE2852941C2 (de)
FR (1) FR2413721A1 (de)
GB (1) GB2011671B (de)
IT (1) IT1160331B (de)
NL (1) NL7812390A (de)
SE (1) SE7812924L (de)

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NL7802132A (nl) * 1978-02-27 1979-08-29 Philips Nv Draagbaar element voor het opnemen, onthouden, afbeelden en afgeven van digitale informatie en reserveerinrichting voor gebruik in een reser- veringssysteem.
US4295039A (en) * 1979-12-03 1981-10-13 International Business Machines Corporation Method and apparatus for achieving secure password verification
US4302810A (en) * 1979-12-28 1981-11-24 International Business Machines Corporation Method and apparatus for secure message transmission for use in electronic funds transfer systems
FR2483657B1 (fr) * 1980-05-30 1986-11-21 Bull Sa Machine portable pour le calcul ou le traitement de l'information
GB2079995B (en) * 1980-07-16 1984-07-11 Suwa Seikosha Kk Portable data processing apparatus
FR2490364B1 (fr) * 1980-09-16 1987-10-16 Bull Sa Machine de bureau pour l'acquisition de donnees ou le traitement de l'information ayant un ecran cathodique ou similaire pour l'affichage
GB2092344B (en) * 1981-01-30 1985-12-18 Halpern John Wolfgang Security in electronic fund transfer systems
DE3118298A1 (de) * 1981-05-08 1982-12-02 Gao Ges Automation Org Ausweiskarte mit eingelagertem ic-baustein
USRE32985E (en) * 1982-07-09 1989-07-11 Omron Tateisi Electronics Co. Credit transaction processing system
JPH0642244B2 (ja) * 1982-07-09 1994-06-01 オムロン株式会社 信用取引処理装置
US4602351A (en) * 1983-07-06 1986-07-22 Tokyo Tatsuno Co., Ltd. Device for reading and writing IC-external storage cards
US4536647A (en) * 1983-07-15 1985-08-20 Atalla Corporation Pocket banking terminal, method and system
FR2554936B1 (fr) * 1983-11-10 1986-08-29 Saulnier Dominique Systeme d'echange d'informations a etiquettes electroniques
JPS60144154U (ja) * 1984-03-07 1985-09-25 シャープ株式会社 携帯用電子計算機
EP0162221B1 (de) * 1984-03-19 1992-11-11 Omron Tateisi Electronics Co. Finanzielle Transaktionen verarbeitendes System, das eine Chip-Karte verwendet
EP0165386B1 (de) * 1984-04-26 1989-11-29 Heidelberger Druckmaschinen Aktiengesellschaft Verfahren und Speichersystem zum Speichern von Einstellwerten für Stellvorrichtungen an Druckmaschinen
DE3509633C2 (de) * 1984-04-26 1994-05-11 Heidelberger Druckmasch Ag Vorrichtung zur Steuerung einer Druckmaschine
WO1986003869A1 (en) * 1984-12-24 1986-07-03 Ncr Corporation Portable personal terminal and system for handling transactions including such terminal
DE3610202C3 (de) * 1985-04-01 1999-10-07 Andreas Peiker Sprechhörer, insbesondere für ein Autotelefon
JPS62119696A (ja) * 1985-11-20 1987-05-30 Tokyo Keiki Co Ltd メモリパツケ−ジユニツト
DE3611441A1 (de) * 1986-04-05 1987-10-08 Fortec Gmbh Verfahren zum auslesen und/oder einlesen von daten aus bzw. in eine chipkarte sowie chipkarte und lese- und/oder schreibgeraet zur verwendung bei diesem verfahren
JPS6254387A (ja) * 1986-04-10 1987-03-10 Canon Inc カ−ド
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US4798322A (en) * 1986-04-28 1989-01-17 American Telephone And Telegraph Company Card reader/writer station for use with a personal memory card using differential data transfer
US4816654A (en) † 1986-05-16 1989-03-28 American Telephone And Telegraph Company Improved security system for a portable data carrier
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DE3822540A1 (de) * 1988-07-04 1990-01-11 Deutsche Bundespost Anordnung zum ueberpruefen und zum beeinflussen von datenaustauschvorgaengen zwischen einer chip-karte und einem datenendgeraet
JP2882012B2 (ja) * 1990-08-31 1999-04-12 松下電器産業株式会社 データ移転システムおよびデータ移転端末装置
USRE36788E (en) * 1990-09-06 2000-07-25 Visa International Service Association Funds transfer system
DE4215955C1 (de) * 1992-05-14 1993-12-09 Siemens Ag Informationsübertragungssystem, bestehend aus einer Schreib/Leseeinheit und einer tragbaren Datenträgeranordnung
DE4227551A1 (de) * 1992-08-20 1994-02-24 Eurosil Electronic Gmbh Chip-Karte mit Feldstärkedetektor
US5434396A (en) * 1992-11-10 1995-07-18 Xicor Inc. Wireless powering and communication system for communicating data between a host system and a stand-alone device
DE4328340A1 (de) * 1993-08-24 1995-03-02 Gerhard Bihler Programmierbare Zahlscheine
DE4340868C2 (de) * 1993-12-01 1997-07-10 Orga Kartensysteme Gmbh Mobiles Karteneingabegerät mit Kopplungseinrichtung
DE4432411A1 (de) * 1994-08-31 1996-03-07 Deutsche Telekom Ag Verfahren und Anordnung zur universellen Nutzung von Kartenendgeräten
DE4442007C2 (de) * 1994-11-28 1998-10-29 Stocko Metallwarenfab Henkels Chipkartenleser
PL184741B1 (pl) * 1995-08-21 2002-12-31 Cornel Sirbu Sposób realizacji zabezpieczenia dostępu warunkowego i urządzenie do realizacji zabezpieczenia dostępu warunkowego
FR2738070B1 (fr) * 1995-08-21 1997-10-03 Sirbu Cornel Appareil de pointage combine avec coupleurs de cartes a puce
US6250557B1 (en) * 1998-08-25 2001-06-26 Telefonaktiebolaget Lm Ericsson (Publ) Methods and arrangements for a smart card wallet and uses thereof
IT1315400B1 (it) * 2000-02-23 2003-02-10 Vittorio Pareti Dispositivo per transazioni valutarie tra supporti magnetici dotati di memoria permanente riscrivibile.
FR2811109B1 (fr) * 2000-06-29 2002-12-27 A S K Objet portable sans contact comportant un ou plusieurs dispositifs peripheriques sans contact
FR2811108B1 (fr) * 2000-06-29 2002-09-27 A S K Dispositif peripherique d'affichage sans contact pour objet portable sans contact
NL1025102C2 (nl) * 2003-12-22 2005-06-23 Petrus Marinus Johanne Heyboer Inrichting voor het verrichten van financiele transacties en/of andere waardeoverdrachten tussen personen die in het bezit zijn van kaart (en) en/of pas (sen) met een ingebouwde dataopslagmedium zoals bijvoorbeeld een chip (IC).
DE102007002727A1 (de) 2007-01-18 2008-07-24 Giesecke & Devrient Gmbh Tragbarer Kartenleser

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Also Published As

Publication number Publication date
FR2413721B1 (de) 1983-08-26
JPS5853784B2 (ja) 1983-12-01
GB2011671A (en) 1979-07-11
FR2413721A1 (fr) 1979-07-27
GB2011671B (en) 1982-05-12
JPS5494855A (en) 1979-07-26
IT7830732A0 (it) 1978-12-12
NL7812390A (nl) 1979-07-03
DE2852941C2 (de) 1985-08-22
SE7812924L (sv) 1979-07-01
DE2852941A1 (de) 1979-07-05
IT1160331B (it) 1987-03-11

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Effective date: 19981027