CN1238055A - Packet value terminal - Google Patents
Packet value terminal Download PDFInfo
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- CN1238055A CN1238055A CN97199905.8A CN97199905A CN1238055A CN 1238055 A CN1238055 A CN 1238055A CN 97199905 A CN97199905 A CN 97199905A CN 1238055 A CN1238055 A CN 1238055A
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- 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
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- 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
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
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- 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
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- 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
-
- 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
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- 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
- G06K7/10—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
- G06K7/10009—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves
- G06K7/10316—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves using at least one antenna particularly designed for interrogating the wireless record carriers
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- 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
- G06K7/10—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
- G06K7/10009—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves
- G06K7/10366—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves the interrogation device being adapted for miscellaneous applications
- G06K7/10376—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves the interrogation device being adapted for miscellaneous applications the interrogation device being adapted for being moveable
- G06K7/10386—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves the interrogation device being adapted for miscellaneous applications the interrogation device being adapted for being moveable the interrogation device being of the portable or hand-handheld type, e.g. incorporated in ubiquitous hand-held devices such as PDA or mobile phone, or in the form of a portable dedicated RFID reader
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- 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
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- 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
- G06Q20/352—Contactless payments by cards
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/0873—Details of the card reader
- G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
- G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
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- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Business, Economics & Management (AREA)
- Computer Vision & Pattern Recognition (AREA)
- Artificial Intelligence (AREA)
- Computer Networks & Wireless Communication (AREA)
- Health & Medical Sciences (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Toxicology (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Electromagnetism (AREA)
- General Health & Medical Sciences (AREA)
- Credit Cards Or The Like (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Conveying Record Carriers (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
- Telephone Set Structure (AREA)
Abstract
A pocket value terminal comprises a pocketable case (10), a display (11) and a keyboard (12). The case is designed to receive and electrically connect with contact chip cards to carry out various transactions. The case has a multi-pin connector (14) enabling the terminal to be connected to external devices. The central microprocessor may be mounted on a plastic board that also caries a contactless chip. Alternatively, the contactless chip may be mounted on a separate board and held and supported in convenient proximity with the terminal. In this way the terminal acts as a value transfer and communicating device, and can also be used, in contactless mode, to purchase rail journeys and the like.
Description
The present invention relates to a kind of packet value terminal that interrelates with electronic trading card, wherein this electronic trading card comprises a storer and a relevant handheld device that usually is called as smart card or chip card.
These cards comprise that the thin rectangular segment that a plastic material makes (is generally 85.6mm * 53.98mm * 0.76mm), be embedded in one in this part and comprise the complicated storer and the integrated circuit of logical circuit, this integrated circuit makes the user carry out business transaction with a service supplier according to various iso standard work.This integrated circuit is called as " chip " hereinafter.
With the two-way communication of intelligent card chip in used various technology, two kinds of methods wherein are called as " contact " and " contactless ".
The contact chip card has contact chip on the surface of the card that is connected with chip.This communication is to finish by being electrically connected with the entity of these contact chips.In contrast, be that radiofrequency signal by sending from an external read device is finished at a distance with communicating by letter of non-contact the core of the card sheet, distance generally is approximately 6 to 10 centimetres.Signal is to receive by a tuning thin antenna, and this thin antenna is the form of multilayer loop wire, is embedded in linking to each other of chip card on every side and with this chip.
The present invention may be used on adopting on any number of dies card of above-mentioned technology and other relevant hand-hold equipment.This card can comprise many application, the typical case use comprise financial transaction card, be used to transport, the storage card and the ID (identity number) card of telecommunications, parking of automobile taximeter, or the like.This card is prepared respectively and is used, and in general every kind of function comprises independent card.
A kind of various chip functions characteristics are merged into the composite card of a single microprocessor chip by developing, can realize needs multifunction chip.A kind of like this management agreement that merges for various functions will cause extra difficulty, and can greatly increase cost in some cases.At aspects such as large-scale production, also relate to sizable design cost, because, all need a custom-designed chip for the every kind of form that makes up.
In addition, because the acceptance level of indivedual technology is without check, many service suppliers are unwilling to take a risk with their technology and another kind of untested technical combinations together.Especially true in this integrated effort in current transportation and financial sector.
The industry observer expects that service supplier forwards a kind of possible final single combined chip card to from using independent chip card, and this solution need be by the exploitation of several stages.
These stages typically are:
The single card that comprises a special chip is to the single card that comprises two independent chips, at last to a single composite card that makes up these technical characterictics.
The invention solves allowing service supplier from the comprehensive needs of the mechanism of their technology of development phase of independently snapping into a possible composite card.
By provide one not only be independent of these technology, for the common interface of each service supplier but also safety, the finance, law, operation and the technical problem that relate to their service integration for a long time can solve.
Before the structure of submitting combined chip to, need to estimate that what authority and who entitlement, the owner about card have typical business problem such as be responsible for to setting up data structure and privacy mechanism to being stored in data in any single application, can think over these problems and from the proprietorial interests of sharing economically.
Have every day various handheld devices using now, these equipment can be taked the form of beeper, mobile phone, counter, stored value card, organizer (organiser), calorific power reader or the like.These equipment generally comprise such as parts such as display, input interface, printed circuit board and processors.Relate to card of the present invention and relevant hand-hold equipment and can be considered to have their communication, storage and processing element separately that concentrate in the electronic module that is installed on plastic clip or the printed circuit board.
Under any circumstance, in a broad aspect, relate to the simple suitable encapsulation that each chip card of the present invention can be considered to chip and adoptable miscellaneous part.The integrality of chip and parts thereof is guaranteed in this encapsulation, allow this chip card manually to be operated, and, in appropriate circumstances, can electricity " insertions " to an equipment or in installing or only be placed in the slot, for example, be inserted in the slot of an automatic payment mechanism of cash for financial transaction apparatus.
Some chip card is to adopt so-called " contactless technology " to carry out remote sensing, inquiry and supervision.Contactless chip card has been used for railway station inlet, the collection of highway toll and electronic driving license etc., in this case, only need " show " card at a certain distance by the holder maybe is positioned on card on the automobile and can communicates automatically with a static reader or monitor.
The present invention also can be applicable to beeper, mobile phone, counter, stored value card, organizer, calorific power reader etc., and can be applied to carry the circuit board of one or more chips and more applicable miscellaneous parts.Purpose for limiting embodiments of the invention is referred to as " portable communication device " with any chip card and applicable relevant hand-hold equipment, with size, specification and the function of expressing them.
According to the present invention, the combination of two or more different discrete portable communication devices is provided, wherein each communication facilities has a microprocessor chip of carrying out its standalone feature separately, these equipment are arranged to physically contact each other, and one of them equipment is a contactless chip card.
Each equipment can have an independent chip and a single clamper or a leather wallet, and this clamper or leather wallet are closely connected together these chips in practice mutually.
Each equipment can comprise that the support card of an independent plastic material is used to receive and the shell that carries the two or more cards that closely link to each other each other with one.
In some equipment, contactless chip card can with other equipment or other equipment in one on identical plastic clip, form or carry.
The antenna of contactless device can be formed by the conductor in the plastic clip that is printed on plastic clip or other equipment.
An equipment can comprise that can manually operatedly comprise the independently packet value terminal of microcomputer.One of function of microcomputer is directly to communicate with one or more portable communication devices, perhaps allow between these equipment two or more, to communicate, at communication period equipment and microcomputer near placing.
Packet value terminal may be arranged to and comprises a mechanism that is used at least two chip cards are received and remain on the appropriate location.Packet value terminal preferably includes an instrument that communicates between at least one chip and microcomputer, in this case, the contact chip card is electrically connected with packet value terminal by exposing the contact during communication process.
Packet value terminal comprises also that preferably a multitube pin that can be connected to other devices connects.
Shell can comprise a leather wallet that is used to hold packet value terminal.
In this combination, an electronic equipment that preferably includes a put into people's commonly used pocket in these equipment.
One in these equipment preferably comprises a central processing unit card.The central processing unit card can have and be used for the device that chip direct and another card communicates, and wherein another is stuck in communication period and this central processing unit card placed adjacent.
An equipment can comprise central processing unit and have a mechanism that is used for other clampings with similar chip are received and remained on the appropriate location.
A chip calorific power reader can be provided, and it is arranged to shows the value reside in the storer that in fact is placed on the chip card in this equipment.
Clamper or leather wallet can be used for controlling and be transmitted in and various other cards of central processing unit placed adjacent between value, maybe will be worth transmission and enter an interior public access zone of central processing unit.
Embodiments of the invention are described below with reference to the accompanying drawings, in the accompanying drawings:
Fig. 1 is the isogonism top view of a packet value terminal;
Fig. 2 has shown and has been used for isogonism top view equipment and that form the printed circuit board of combined central processor and contactless chip;
Fig. 3 has shown the isogonism backplan of the printed circuit board of equipment;
Fig. 4 has shown the isogonism backplan of terminal;
Fig. 5 has shown the isogonism backplan of an ISO7816 type contact chip card;
Fig. 6 has shown the isogonism top view of a Mini or SIM type contact chip card;
Fig. 7 is the jaw type cell panel of terminal;
Fig. 8 a is the packet value terminal that links to each other with a cellular handset with 8b;
Fig. 9 is the packet value terminal that links to each other with modulator-demodular unit with a pstn telephone; And
Figure 10 is the packet value terminal that links to each other with people's computing machine one by one.
Referring to accompanying drawing, in a laminar portable casing 10, provide the terminal of remitting account, the area of this terminal roughly equates with a common credit card, and has a LCDs 11 and a keyboard 12.The multitube pin connector 14 that is installed in casing 10 1 ends can be electrically connected terminal with a flat plate cell plate 15, and this cell panel 15 is installed in the container 16, and this container 16 forms a support easily of casing 10 or installs.Another multitube pin connector 25 is installed in the other end of casing 10.Casing 10 can also be connected to various device, for example mobile phone or personal computer.Under latter event, casing 10 will be linked in the compatible computer slot in due form, preferably the PCMCIA slot of 68 pins of personal computer or RS232 slot.(referring to Figure 10)
In Fig. 3, the contact chip connector 13 of an ISO7816 type and second are installed on printed circuit board 17 can insert a Mini or the Mini of SIM type contact chip card 19 or the contact chip connector 18 of SIN type.
The microcomputer 24 that is installed in the terminal on the printed circuit board 17 allows directly to communicate with the contact chip card 19 and 22 that inserts contact chip connector 18 and 13.In use, chip card 19 and 22 is designed to communicate with a kind of mode that maintains complete secrecy and terminal according to known Mondex (trade mark) system or other similar chip card system.
According to embodiments of the invention, a kind of contactless chip circuit is provided, comprise an independent contactless chip 20 and an antenna 21 of installing and being formed on the printed circuit board 17 respectively.Chip 20 is to separate fully and independently with microcomputer 24, and antenna 21 is that electricity is isolated with microcomputer 24 also.In fact, obtain total versatility for convenience, before microcomputer 24 and parts thereof were increased on the plastic plate, contactless chip card preferably formed with independent manufacturing or assembly operation.Yet, after microcomputer 24 and contactless chip 20 have been installed on the identical printed circuit board, can encapsulate with resin.
In Fig. 5, shown second contact chip card 22.When contact chip card 22 was inserted between the back of casing 10 and the cell panel 15, contact chip card 22 places the appropriate location, and was relative with contact chip connector 13.According to the Mondex system, second card 22 can belong to another person, and this structure by contact chip card 19 and 22 with microcomputer 24 between independent communication linkage, according to the manually instructions of input of keyboard 12, make the cash value can transmission between card by terminal.By this way, can between two people, transmit cash, especially for goods or professional cash.As mentioned above, these permission cash value secret structure of transmitting between two chip cards is known.
According to embodiments of the invention, described structure has been represented a typical example, and in this example, contactless chip card is used to for example to buy railway tickets or does not have ticket flight predetermined.The user of described equipment can use a contact chip card to realize transaction, for example on the automatic payment mechanism of cash, obtain cash or transmit cash to another similar cash holder, the transmission of these values or data can also be undertaken by packet value terminal being linked on the cellular mobile phone, shown in Fig. 8 a and 8b, the contact card and the transmission between the finance device that are inserted in the packet value terminal can remotely be finished by a digital cellular network.
Typical cellular system can be one and adopt SMS (Short Message Service) and the Global Systems for Mobile communications (GSM) of possible wireless (over the air) data transmission under the stage of GSM standard 2+.
The user can also the display by terminal obtain be stored in the contact chip card on surplus value or the nearest relevant information of transaction data.In addition, in contactless pattern, the card holder can also obtain be stored in contactless chip card on surplus value or the nearest relevant information of transaction data, maybe can enter or leave the railway station or climb up aircraft and need not conventional air ticket.Can also be with the contactless chip Component Design and to use be an identification card that is used for the inlet of " maintaining secrecy " office etc.
In addition, when the contacting card or contactless clamping part and conclude the business of user and terminal, the user can accumulate credit, and this credit utilizes the value that card or contactless parts buy that contacts of terminal to have a predetermined relationship with him.
Can these point transformation be become a value form in the public partition that can be stored in microprocessor 24 by relevant ISP, wherein this public partition can be by contact card ISP and contactless card ISP visit, and these by the ISP jointly or individually be used for themselves and/or and the user between distribution.
Contactless device in the foregoing description is to form on the identical plastic plate of the electronic unit of support terminal.In other were used, contactless device can form on the identical printed circuit board of supporting beeper, mobile phone, counter, calorific power reader, stored value card or organizer, electronic unit.On the other hand, contactless device can be quite independently, and it is discrete in the above described manner, thereby only join with other chip boards of " communicating by letter " equipment that near-earth is placed or use, wherein these other " communication " equipment comprise with such as 19 terminals (as mentioned above) of communicating by letter with 22 chip card.
Under any circumstance, should be appreciated that in an embodiment of the present invention, contactless function is a kind of " interpolation " to a communication facilities, for example packet value terminal.Provide a kind of like this device to have three advantages at least.At first, do not need redesign and prove contact chip or contactless chip technically, because they are known and available usually.Secondly, can select several different contactless chip cards and be increased in the multiple contact chip card one.The 3rd, because contactless operation does not need battery, perhaps in general, the standard printed circuit that can be close to beeper, mobile phone, counter, calorific power reader, stored value card, electronic organisers or other equipment provides contactless function.So then beeper etc. can be used for its general function, can also be used to obtain to use the inlet in the railway station of the contactless chip card parts that comprise or add.
To make chip part keep another advantage separately be it each ISP and/kept private ownership and security between the user.
It should be noted, can adopt the user of microcomputer 24 notice the said equipments or holder state, also have the device of last sale data that obtains in confidence about his card about remaining value in his chip card.At present, the device that is used to visit this information generally is positioned at the ISP place, and this in many cases information is not easy to obtain.
Can realize by the display of packet value terminal and the combination of key input part with above-mentioned relevant equipment.
Can provide other variations, to strengthen its whole practicality based on packet value terminal.Packet value terminal can link to each other with an information transmitted system that is used for data and/or value by one of two multitube pin connectors providing on terminal.In a kind of structure, packet value terminal can link to each other with an infosystem by 68 pin PCMCIA connectors 14.Infosystem can by such as personal computer, personal digital assistant or comprise one can be compatible and visit with the distribute equipment of any other equipment that is connected slot that interrelates of unique connector location with 68 pin PCMCIA connectors of terminal.
Perhaps, infosystem can visit by telephone network.In order to reach this point, terminal links to each other with telephone network by telephone bandset, and what this telephone bandset can be a mobile phone or one for this purpose design is mobile phone dedicated.Up-to-date mobile digital phone is equipped with data transmission to connect slot, in use, second multitube pin connector 25 of the peripherals of packet value terminal by being positioned at terminal links to each other with this slot, shown in Fig. 8 a, by the proprietary software that will provide by the cellular handset fabricator drive comprehensively advance can with the packet value terminal of the communication protocol compatibility of cellular handset, data transmission can be carried out.
Perhaps, packet value terminal can be connected on the mobile digital phone by 68 pin PCMCIA connectors 14, and this mobile digital phone has PCMCIA can compatible slot, is positioned at the bottom or the side of cellular handset, shown in Fig. 8 b.
Also have a kind of similar structure, promptly telephone bandset is connected to the PSTN (PSTN) of the modulator-demodular unit that is included as data transmission scheme, as shown in Figure 9.
In any of these data transmission structure, packet value terminal helps significantly improving on computing power, and this computing power is to be beyond one's reach for the chip card that is in separate state.By carrying out the enforcement of functional working load, for example secrecy provision, the complete asymmetric cryptographic technique that particularly needs a large amount of computational tools, the computing power of this raising make the packet value terminal can be as " intelligence " partner of a simple relatively chip card.
Also need to have enough big power supply for packet value terminal.This realizes with rechargeable high capacity plug-in type electromagnetic source plate, and its specification do not have remarkable influence for the weight or volume of terminal, as shown in Figure 7, can pass through 68 needle connectors 14 with being connected of packet value terminal.
In addition, packet value terminal remains in a kind of like this data transmission structure (illustrating among its parts embodiment in front), this structure can be held several chip cards simultaneously, and the chip card that can and insert or communicate between chip card and infosystem.This can cause being worth by communication system, particularly transmit between chip card and finance device.Can read from the display of terminal before taking away from packet value terminal will blocking in the surplus value on the chip card, use card with normal mode of doing business then.
In yet another embodiment, can be with a mutual market or communication system that similarly virtual network links to each other in use packet value terminal.This can be by aforesaid transmission system or by mass market equipment, carry out in particular for the equipment of this interactive media design.This equipment comprises TV set-top box and the Internet connection device.By portable terminal being linked these equipment, can be from being used for of inserting payment of remitting account to the chip card instantaneous transmission peanut of watching film or special services such as TV sports reports paying.Can also adopt packet value terminal on the Internet for many just from the goods and the service defrayment that will obtain from this medium.Typically, the great majority payment by these networks is " micropayments ", the value of peanut just, because the high relatively cost of the relationship trading processing power of conventional credit card device, so need not handle by conventional credit card device for purpose economically.
All devices that are connected that relate to above-mentioned and communication system can be realized by packet value terminal or the display of terminal, phone or other equipment that connected and the applied in any combination of keyboard input part.
That computing machine and digital technology have been opened need to be keep secret and the new markets of remote payment device rapidly.Remote payment is not copied and is swindled, is not subjected to the infringement of criminal or computer hacker to need the security of height for the protection letter of guarantee, and wherein criminal or computer hacker can manage to intercept or shift the value transmission between validated user.Obviously, along with the trend of the exponential increase of the remote payment by virtual network, be vital for improving security.
In some or most of embodiment, must have a secret instrument.This generally is a basic need for most of users of money transaction.Improved card system adopts the encryption safe device to combine with user's individual identification.Personal identification system generally is based on three parameters, these three parameters interrelate with following respectively: the something that the someone knows, for example Personal Identification Number (PIN), the something that someone has, for example mark or card, or individual's some biological characteristics, for example fingerprint or language mode.
In one embodiment of the invention, the packet value terminal with as shown in Figure 7 plug-in type battery plate has a biometric template based on the card user of user fingerprints, sound or other this data.This template is used for comparing user's corresponding biometric data of input in real time before using card.This biometrics positive result relatively produces the link of the activation of a time-based value part for the chip card that inserts.After 68 needle connectors take out the plug-in type electromagnetic source plate, packet value terminal can be inserted a compatible connection slot in the personal computer, be worth transmission so that finish within the fixed period.
Perhaps, the packet value terminal with the plug-in type electromagnetic source plate can be connected on the compatible phone by multitube pin connector 25.As mentioned above, when being connected to telephone network, realize the biometrics discriminating, or realize the biometrics discriminating independently, be connected to telephone network then.
In all cases, unless the user accepted by the biometrics discrimination process, but and user's chip card inserts packet value terminal, packet value terminal is connected with PC computing machine or compatible telephone simultaneously, otherwise can not transmit.Chip card will be disconnected connection from the packet value terminal taking-up.
Can also adopt biometrics to differentiate and the session key of coming together to produce transaction period of during discrimination process, selecting by the user about unique recognizer of the integrated circuit of the chip card that inserts.This session key has further improved the security that is present at present in some chip card transaction agreements.For to the each new login of communication system, produce a new dialogue number, and only be used for the period that the user determines.
In addition, by biometric template is stored in any that expose, can be inserted in addition on the flash memory cards of the small-sized specification on the packet value terminal, can be the more biometrics extended memory that relates to.
Should be appreciated that, have the installation chip onboard and the specific contactless device of the antenna that forms onboard by printed circuit or other technologies, also can use other contactless structures though described one here.This other contactless structure is included in the card that reads during the nearest inductive coupling, and wherein card is normally very closely showed with a reader.In all cases, contactless device is any equipment that does not directly contact with reader actually, and is an independent or independent exercisable equipment, as illustrated in instructions.
Claims (13)
1. the combination of the discrete communication facilities of two or more portable differences, each equipment has a corresponding microprocessor chip that is used to carry out its discrete function, wherein, described equipment is arranged to physically is associated with each other, and in the described equipment one is a contactless device.
2. combination as claimed in claim 1, wherein, each of described equipment has an independent chip, and provides a single clamper or leather wallet to adorn these chips, and it is close to each other to make it connect ground physically each other.
3. combination as claimed in claim 1, wherein, each in the described equipment be on a corresponding single printed circuit board, form or carry by it.
4. as any the described combination in the claim 1 to 3, wherein, the antenna of contactless device is to be formed by the conductor that is printed on the printed circuit board or be printed on one of printed circuit board.
5. as any the described combination in the claim 1 to 4, wherein, an electronic equipment that comprises a put into people's commonly used pocket in the described equipment.
6. as any the described combination in the claim 1 to 5, wherein, one in the described equipment comprises a central microprocessor card.
7. as any the described combination in the claim 1 to 6, wherein, described central processing unit cassette tape is useful on the device that the chip in direct and another card communicates, and wherein another is stuck in communication period and described central microprocessor card placed adjacent.
8. as any the described combination in the claim 1 to 7, comprise an equipment that comprises central microprocessor, described equipment has the mechanism that is used for other clampings that have same chip are received and remained on the appropriate location.
9. as any the described combination in the claim 1 to 8, comprise an equipment that comprises jaw type rechargeable battery plate, so that power supply to be provided.
10. combination as claimed in claim 9 comprises that a chip card is worth reader, is arranged to the value that shows in the storer that resides in the chip that is placed on the card in the described equipment with it.
11. combination as claimed in claim 9 comprises a leather wallet, with its be arranged to and central microprocessor physically placed adjacent various other the card between the transmission legal value.
12. combination as claimed in claim 9, comprise a connector, allow the connection of cellular mobile telephone so that data or be worth by the cellular network between financial institution or other holders to the central processing unit card transmission of placed adjacent physically.
13. combination as claimed in claim 9, comprise a connector, allow the connection of personal computer so that data or be worth by the personal computer communication network between financial institution or other holders to the central processing unit card transmission of placed adjacent physically.
Applications Claiming Priority (4)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| GB9619708.2 | 1996-09-20 | ||
| GBGB9619708.2A GB9619708D0 (en) | 1996-09-20 | 1996-09-20 | Pocket value terminal |
| GB9624147.6 | 1996-11-20 | ||
| GB9624147A GB2317484B (en) | 1996-09-20 | 1996-11-20 | Pocket value terminal |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1238055A true CN1238055A (en) | 1999-12-08 |
Family
ID=26310076
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN97199905.8A Pending CN1238055A (en) | 1996-09-20 | 1997-09-18 | Packet value terminal |
Country Status (7)
| Country | Link |
|---|---|
| EP (1) | EP0934576A2 (en) |
| JP (1) | JP2001500652A (en) |
| CN (1) | CN1238055A (en) |
| AU (1) | AU728907B2 (en) |
| BR (1) | BR9711514A (en) |
| CA (1) | CA2266373A1 (en) |
| WO (1) | WO1998012674A2 (en) |
Cited By (1)
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| CN101454809B (en) * | 2006-05-29 | 2013-07-10 | Nxp股份有限公司 | A communication system, a method of initiating a transaction, a base station and a transponder |
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| CA2113805C (en) * | 1991-07-17 | 2001-06-05 | John W. Halpern | Pocketsize electronic travel and commuter pass and a plurality of accounting systems. |
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-
1997
- 1997-09-18 WO PCT/GB1997/002551 patent/WO1998012674A2/en not_active Application Discontinuation
- 1997-09-18 AU AU43113/97A patent/AU728907B2/en not_active Ceased
- 1997-09-18 EP EP97941087A patent/EP0934576A2/en not_active Withdrawn
- 1997-09-18 BR BR9711514-2A patent/BR9711514A/en not_active Application Discontinuation
- 1997-09-18 CN CN97199905.8A patent/CN1238055A/en active Pending
- 1997-09-18 CA CA002266373A patent/CA2266373A1/en not_active Abandoned
- 1997-09-18 JP JP10514408A patent/JP2001500652A/en active Pending
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101454809B (en) * | 2006-05-29 | 2013-07-10 | Nxp股份有限公司 | A communication system, a method of initiating a transaction, a base station and a transponder |
Also Published As
| Publication number | Publication date |
|---|---|
| JP2001500652A (en) | 2001-01-16 |
| WO1998012674A3 (en) | 1998-07-23 |
| BR9711514A (en) | 2000-01-18 |
| WO1998012674A2 (en) | 1998-03-26 |
| EP0934576A2 (en) | 1999-08-11 |
| CA2266373A1 (en) | 1998-03-26 |
| AU728907B2 (en) | 2001-01-18 |
| AU4311397A (en) | 1998-04-14 |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| C02 | Deemed withdrawal of patent application after publication (patent law 2001) | ||
| WD01 | Invention patent application deemed withdrawn after publication |