DE102012002619B3 - Universal card to simplify the use of a variety of cards - Google Patents

Abstract

The invention relates to a system for simplifying the use of a plurality of cards, in particular credit cards, patient cards, smart cards or customer cards and at least one card, with electronically stored personal data, with at least one universal card and means for writing the personal data on the universal card, said the means for writing are designed as a portable data memory with input device. Moreover, the invention relates to a method that copies personal data stored on cards to a universal card.

Description

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

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

From the patent DD 292 983 A5 For example, such an apparatus and method for simplifying the use of a plurality of cards is known.

Furthermore, it is off DE 10 2009 058 516 A1 a method for granting access rights to a maintenance functionality of a device known. In this method, an access certificate is provided in response to a first provisioning information and a second provisioning information and granted access rights according to the provided access certificate in accordance with a determined check result of the first provisioning information and the second provisioning information. The certificate attribute has at least one access right, a timestamp, a time range, an access right, an indication of a device, an indication of a maintenance functionality, a certificate attribute value, an alphanumeric character string and / or an order number.

Finally is off DE 10 2010 022 794 A1 a device for verifying data at a local control point with a first interface for reading authentication data, a second interface for exchanging data between the validation terminal and a validation server, and a third interface for exchanging data with a control point system. The device also comprises a control device which sends the authentication data read via the first interface or a data set formed from the authentication data via the second interface for verification to the verification server, which evaluates data received via the second interface and the evaluated data to the third interface forwards.

A disadvantage of this device and this method is that in the memory of the electric multifunction card all records of maps of the user are stored. With the theft or loss of the multifunction card, it is thus possible for third parties to steal the card information of all cards belonging to the user.

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

• [A1] Somit löst die Erfindung die Aufgabe dem Prinzip nach, indem nur für einen temporären Zeitraum benötigte Daten vom Anwender mitgenommen werden. Damit besteht kein Verlustrisiko für einen unnötig mitgenommenen Datenüberschuss. Zur Selektion der Daten dient eine Dockingstation. Wenn eine Dockingstation vorhanden ist, können sämtliche Datensätze auf der Dockingstation in gesicherten Räumen, wie z. B. der Privatwohnung des Anwenders zentral gespeichert werden. Vor dem Verlassen des Raumes ist durch eine Auswahl an mitzunehmenden Datensätzen das Verlustrisiko senkbar. Wenn nur für die Erledigung von Tagesgeschäften benötigte Karteninformationen von der Dockingstation auf den portablen Datenspeicher übertragen werden, gehen andere Kartendatensätze beim Verlust der Universalkarte nicht verloren. Damit die Dockingstation komfortabel mit einer Vielzahl von Karten benutzt werden kann, sind eine Vielzahl an Schnittstellen vorhanden. Neben Magnetstreifenleser, Chipkartenleser, USB-Schnittstelle und einer W-LAN Vorrichtung ist auch eine Nahfeldkommunikationsvorrichtung vorhanden. Damit die Dockingstation auch für Firmen und Behörden interessant ist, weist sie Durchgangslöcher und Gewichte auf, so dass sie auf Bürofluren oder in Behördentrackten zum Schutz vor Diebstahl an eine Wand befestigt werden kann. Über eine elektrische Schnittstelle ist der portable Datenspeicher mit der Dockingstation verbindbar, weswegen kein Ladekabel benötigt wird. Einzelne Kreditkarten können innerhalb eines Safes der Dockingstation verschlossen werden. Damit die Kreditkarteninformationen bei einem Stromausfall nicht verloren gehen, weist die Dockingstation einen aufladbaren Energiespeicher auf. Mittels eines Touchscreen kann der Fingerabdruck des Anwenders oder dessen Unterschrift aufgezeichnet, abgespeichert und einer Karte zugeordnet werden.
• [A2] Wenn die Mittel zum Schreiben ein Display aufweisen, vorzugsweise eine berührungssensitive Anzeige vorhanden ist, dann kann auf eine Tastatur zur Eingabe verzichtet werden. Damit sind die Mittel platzsparend ausgeführt. Touchscreens erlauben einem Benutzer ohne komplizierte Navigationsmittel, wie Tastaturen und Computermäuse das Mittel zu bedienen.
• [A3] In einer bevorzugten Ausführungsform ist der portable Datenspeicher ein Smartphone. Smartphones werden von einer Vielzahl Menschen täglich benutzt. Sie sind damit zum gängigen Mittel für unterschiedliche Alltagsgeschäfte, wie bargeldloser Zahlungsverkehr, Telefonieren oder dem Führen von Kalendern geworden.
• [A4] Dadurch, dass der portable Datenspeicher eine Schnittstelle zur Dockingstation aufweist, vorzugsweise mittels einer drahtlosen Wirkverbindung, können Daten zwischen der Dockingstation und dem portablen Datenspeicher bequem übertragen werden, denn ein Einfaches in die Nähe bringen des portablen Datenspeichers zur Dockingstation reicht aus, so dass auf eine Verkabelung der Dockingstation verzichtet wird. Wenn die Dockingstation eine Schnittstelle zur Aufnahme des portablen Datenspeichers aufweist, kann die Batterie des portablen Datenspeichers bequem geladen werden.
• [A5] Die Aufgabe wird ferner durch ein Verfahren, das ein System nach Anspruch 1 für ein Kopieren und Sichern von Personendaten auf einer Universalkarte nutzt, dadurch gelöst, dass folgende Schritte ausgeführt werden: Auslesen von auf einer Karte gespeicherten Daten mittels einer Dockingstation und Speichern der ausgelesenen Daten in dieser zwecks Übertragens auf eine Universalkarte, einem Auswählen der in der Dockingstation gespeicherten Daten einer Karte, einem Übertragen der Daten in einen portablen Datenspeicher und einem Beschreiben der Universalkarte mit den Daten der ausgewählten Karte mittels des portablen Datenspeichers, wobei mindestens einer der Datenübertragungsvorgänge passwortgeschützt erfolgt. Dadurch, dass die Datenübertragungsvorgänge passwortgeschützt sind, ist es nur einem Geheimnisträger, also dem Anwender oder einer von ihm unterrichteten Person möglich, Daten zwischen der Dockingstation und dem portablen Datenspeicher zu übertragen.
• [A6] In einer bevorzugten Ausführungsform ist das Verfahren programmgesteuert, vorzugsweise mittels einer Applikation, App, auf einem Smartphone. Applikationen werden weltweit zum Download zur Verfügung gestellt, sie sind somit für eine große Zahl von Anwendern erreichbar, so dass das Verfahren günstig und schnell ohne eine Bereitstellung unnötiger Hardware dem Endkunden zur Verfügung gestellt werden kann. Außerdem sind Applikationen intuitiv und einfach zu bedienen; dem Anwender fällt die Benutzung des Verfahrens somit leicht.
• [A7] In einer bevorzugten Ausführungsform werden die Personendaten ausgewählter Karten von einem in einem Netzwerk eingebundenen Speicher in den Speicher eines Smartphones übertragen. Durch ein Vernetzen unterschiedlicher privater Elektronikgeräte in einem Netzwerk, wie z. B. dem Internet können Daten zwischen Geräten ausgetauscht werden.
• [A8] In einer bevorzugten Ausführungsform werden mittels eines auf der Universalkarte gespeicherten Programms Missbrauchsfälle erkannt, um daran anschließend auf ihr gespeicherte Daten im Missbrauchsfall zu löschen. Beispielsweise werden nach dreimaliger falscher Eingabe einer 5-stelligen PIN (persönlicher Identifikationsnummer) die Daten dann gelöscht.
• [A9] Dadurch, dass die Dockingstation und/oder der portable Datenspeicher auf einen Netzwerkspeicher zugreifen, sind Kreditkartendaten auch über das Internet von der heimischen Dockingstation abrufbar. Damit ist der Nutzer in der Lage weltweit auf seine Daten zuzugreifen.
• [A10] Außerdem wird die Aufgabe durch ein Verfahren, das auf Karten gespeicherten Personendaten auf eine Universalkarte kapiert dadurch gelöst, das folgende Schritte ausgeführt werden. Verbinden mindestens einer Karte mit einer Dockingstation, vorzugsweise mittels einer Drahtloskommunikationsvorrichtung, Auslesen der Daten von der Karte über die Verbindung zwischen Dockingstation und Karte, Speichern der ausgelesenen Daten in der Dockingstation, vorzugsweise mit einer vom Anwender zugeordneten Beschreibung, Verbinden der Dockingstation mit einem portablen Datenspeicher, wie z. B. einem Smartphone oder einem Netzwerk, wie. z. B. dem Internet oder einem privaten Netzwerk, z. B. W-LAN Netzwerk, vorzugsweise über eine Drahtloskommunikationsvorrichtung, Initialisieren der Dockingstation zwecks Übertragens von Daten von der Dockingstation auf den portablen Datenspeicher. Zählens der Eingabeversuche zur Überprüfung von Betrugsversuchen. Weiter geht es mit dem Anzeigen aller Wörter in der Dockingstation gespeicherten Daten, vorzugsweise durch Anzeigen ihrer zugeordneten Beschreibung auf einer berührungsempfindlichen Oberfläche, insbesondere eines Displays, Auswählen von Daten durch einen Benutzer, insbesondere durch die Auswahl einer angezeigten Beschreibung mittels einer Eingabe seiner Wahl durch die berührungsempfindliche Oberfläche, Übertragen der ausgewählten Daten auf den portablen Datenspeicher über die Verbindung zwischen Dockingstation und portablem Datenspeicher, ggf. Wiederholen des Auswählens von Daten und deren Übertragung auf den portablen Datenspeicher, Verbinden einer Universalkarte mit dem portablen Datenspeicher, z. B. mit einem Magnetkartenschreiber oder mittels einer Nahfeldkommunikationsvorrichtung (NIR), Initialisieren des portablen Datenspeicher, vorzugsweise mit einer Passwortabfrage, wie z. B durch Eingabe einer Generalpin, Anzeigen der auf dem portablen Datenspeicher gespeicherten Daten auf einer berührungsempfindlichen Oberfläche, Auswählen und Übertragen der ausgewählten Daten auf die Universalkarte, wobei eine oder mehrere der oben genannten Datenübertragungen mittels einer Sicherheitsabfrage, z. B. General-PIN, geschützt sind, Temporäres Anzeigen der zu dem ausgewählten Datensatz zugehörigen Pin.

The object is in a system for simplifying the use of a variety of cards, especially credit cards, patient cards, smart cards or loyalty cards, with at least one card with electronically stored personal data and at least one universal card and means for writing the personal data on the universal card, the means for writing are designed as a portable data memory with input device, achieved by a docking station with at least one hardware interface, for. B. a magnetic stripe reader for reading the personal data of the card and possibly an access control device is present.

• [A1] Thus, the invention solves the problem according to the principle by taking only for a temporary period required data from the user. There is thus no risk of loss for unnecessarily taken over data surplus. A docking station is used to select the data. If a docking station is present, all records on the docking station can be stored in secure rooms, such as a docking station. B. the home of the user are stored centrally. Before leaving the room, the risk of loss can be lowered by selecting a number of records to be taken. When card information is transferred from the docking station to the portable data store for only day-to-day operations, other card data sets will not be lost if the universal card is lost. So that the docking station can be conveniently used with a variety of cards, a variety of interfaces are available. In addition to magnetic stripe reader, smart card reader, USB interface and a W-LAN device is also a near field communication device available. In order for the docking station to be of interest to companies and authorities, it also has through holes and weights so that it can be fastened to a wall on office floors or in government offices to protect against theft. Via an electrical interface, the portable data storage is connectable to the docking station, which is why no charging cable is needed. Individual credit cards can be locked within a safe of the docking station. To ensure that the credit card information is not lost in the event of a power failure, the docking station has a rechargeable energy storage. By means of a touch screen, the fingerprint of the user or his Signature to be recorded, saved and assigned to a card.
• [A2] If the means for writing have a display, preferably a touch-sensitive display, then a keyboard for input can be dispensed with. Thus, the funds are designed to save space. Touchscreens allow a user to operate the device without complicated navigation tools, such as keyboards and computer mice.
• [A3] In a preferred embodiment, the portable data storage is a smartphone. Smartphones are used by a large number of people every day. They have become the standard means for various everyday transactions, such as cashless payments, telephone calls or the keeping of calendars.
• [A4] By virtue of the fact that the portable data storage device interfaces with the docking station, preferably by means of a wireless active connection, data can be conveniently transmitted between the docking station and the portable data storage device, since simply bringing the portable data storage device to the docking station is close enough that is dispensed with a wiring of the docking station. If the docking station has an interface for receiving the portable data storage device, the battery of the portable data storage device can be conveniently charged.
• [A5] The object is further achieved by a method using a system according to claim 1 for copying and saving personal data on a general-purpose card by performing the following steps: reading data stored on a card by means of a docking station and storing the data read therein for transmission to a universal card, selecting the data of a card stored in the docking station, transferring the data to a portable data storage and writing the universal card to the data of the selected card by means of the portable data storage, wherein at least one of the Data transfer operations are password protected. The fact that the data transfer operations are password protected, it is only a secret carrier, so the user or a person taught by him possible to transfer data between the docking station and the portable data storage.
• [A6] In a preferred embodiment, the method is program-controlled, preferably by means of an application, app, on a smartphone. Applications are made available worldwide for download, so they can be accessed by a large number of users, so that the process can be made cheap and fast without the provision of unnecessary hardware to the end customer. In addition, applications are intuitive and easy to use; the user is therefore easy to use the method.
• [A7] In a preferred embodiment, the personal data of selected cards are transferred from a memory embedded in a network into the memory of a smartphone. By networking different private electronic devices in a network, such. As the Internet data can be exchanged between devices.
• [A8] In a preferred embodiment, abuse cases are detected by means of a program stored on the universal card in order subsequently to delete data stored thereon in the case of abuse. For example, after three incorrect entries of a 5-digit PIN (personal identification number), the data will be deleted.
• [A9] Because the docking station and / or portable data storage access network storage, credit card information is also available over the Internet from the home docking station. Thus, the user is able to access his data worldwide.
• [A10] In addition, the task is solved by a method that saves personal data stored on cards on a general-purpose card by following the following steps. Connecting at least one card to a docking station, preferably by means of a wireless communication device, reading the data from the card via the connection between the docking station and the card, storing the data read in the docking station, preferably with a description assigned by the user, connecting the docking station to a portable data memory , such as As a smartphone or a network, such as. z. As the Internet or a private network, eg. B. W-LAN network, preferably via a wireless communication device, initializing the docking station for the purpose of transferring data from the docking station to the portable data storage. Counting input attempts to verify fraud attempts. It further relates to displaying all words stored in the docking station, preferably by displaying their associated description on a touch-sensitive surface, in particular a display, selecting data by a user, in particular by selecting a displayed description by inputting his choice through the touch-sensitive surface, transferring the selected data to the portable data storage via the connection between the docking station and the portable data storage, if necessary repeating the selection of data and their transfer to the portable data storage, connecting a Universal card with the portable data storage, z. B. with a magnetic card writer or by means of a Nahfeldkommunikationsvorrichtung (NIR), initializing the portable data storage, preferably with a password query, such. B by inputting a general pin, displaying the data stored on the portable data memory on a touch-sensitive surface, selecting and transmitting the selected data to the universal card, wherein one or more of the above-mentioned data transfers by means of a security query, eg. General PIN, Temporary display of the pin associated with the selected record.

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

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

1 a view on a docking station and

2 a schematic representation of the system.

1 shows a docking station 4 in a front view. The docking station 4 includes a display in the upper input area 8th , Which is preferably designed as a touch screen, so that there data can be displayed and entered. In addition, the input fields 11 available, which together form a keyboard. Older persons have this possibility to enter their inputs manually without the touchpad. Below the input area are the interfaces 6a . 6b and 6c for the transmission of data from maps 2 in the docking station 4 , In the 1 are shown a near field communication device 6a , a magnetic strip reader 6b and a chip card reader 6c , Depending on the interfaces are the docking station 4 through these interfaces a variety of cards 2 read. In the lower right area of the view is a safe 10 in the docking station 4 admitted. In the safe 10 can cards 2 whose data has been read out are securely closed. Thus, the docking station includes 4 in addition to stored data, all data from maps 2 also the cards 2 himself. So the docking station 4 can not be stolen, it is through the through holes 9 attachable to a house wall. The Abstellfüße 13 serve to increase the docking station 4 and as additional weights against theft. They are made of steel and poured with concrete. The power supply of the docking station 4 done by the power cable 12 , The battery compartment 14 includes at least one rechargeable battery, which in case of power failure, the docking station 4 energized. In the middle of the docking station 4 is a memory card slot 15 admitted. It contains the central storage unit of the docking station 4 with map data, so all on the docking station 4 saved maps 2 can be removed by removing a central memory card. Thus, a transfer of stored map data between different docking stations 4 by replacing the central memory card possible. The memory card slot 15 is well secured by a backup mechanism against unauthorized access. In the lid of the docking station 4 is an interface 16 admitted.

2 schematically shows the procedure of the method, the personal data stored on maps on a universal map 3 copied. The method uses a docking station 4 on the personal data of different cards 2 , z. B. credit cards or customer cards are transferred. These are the cards 2 with the docking station 4 connected. This is done either via a wireless communication device or by inserting the card 2 in a magnetic stripe card reader 6b ( 1 ) or a smart card reader 6c ( 1 ) or another active compound 20 , After an active connection 20 between card 2 and docking station 4 was made, the card becomes 2 be read out, so that the personal data in the central memory of the docking station 4 get saved. The central memory is usually a memory card or other portable memory device such. B. a flash memory. The central memory is located in the memory card slot 15 , After the personal data on the central storage in the docking station 4 are stored, they are available as needed. This is the portable data storage 7 with the docking station 4 connected. For this purpose, the person skilled in the art will use a plug (not shown) in the docking station 4 Install a socket on the portable data storage 7 can be plugged into the plug. Ideally, this is done via a wireless communication device 18 , Such a connection is comfortable and allows the user to establish a connection between the portable data memory 7 and the docking station 4 also over several rooms. After the connection between docking station 4 and portable data storage 7 was made, is the docking station 4 to initialize. Initializing will cause all to be displayed on the docking station 4 displayed personal data in the form of a clear representation, z. For example, a table on the portable data store 7 , Based on this display, the user can make a selection from the data records and thus all or some of the corresponding stored data of the docking station 4 Request. The user gives this via the display 8th , which is a touchpad, his input, so that the data from the docking station 4 be called. The data is then taken from the docking station 4 on the portable data storage 7 via a second active compound 21 transfer. The transmission is encrypted. The user repeats this process until all personal data he intends to use temporarily, e.g. B. for a day-to-day business or a business trip needed from the docking station 4 downloaded. As soon as the user needs personal data, eg. For example, at the cash register of a department store or when withdrawing money at an ATM, he puts the universal card 3 in the universal card holder 23 its portable data storage 7 one. After connecting the universal card 3 with the portable data storage 7 is the portable data storage device 7 to initialize. For this the user has to answer a password query. In the present embodiment, after a general PIN for enabling the portable data memory 7 requested by the user. Alternatively, the portable data storage 7 can also be initialized by the operation of a button. The on the portable data storage 7 accompanying personal data are presented to the user on the display so that he can make a selection. The required data set, in the aforementioned example, credit card data for payment at the cash register or the bank data for withdrawing money, are then selected on the universal card 3 transfer. After the transfer is completed, the respective PIN of the card applied 2 temporarily shown on the display. As a result of this representation, the user can use the programmed universal card 3 use together with the PIN. The display of the PIN takes place by the expiry of a timeout only for 20 seconds. By doing that, the portable data storage 7 is integrated into the Internet, it is possible to delete the data stored on him in case of loss, because over the Internet, at the request of the user, a deletion command to the portable data storage 7 be shipped. This is briefly the provider of the portable data storage 7 to inform a smartphone about the loss, so that the cancellation command is sent.

LIST OF REFERENCE NUMBERS

1

2

map

3

Universal card

4

Docking station

5

6a

Nahfeldkommunikationseinrichtung

6b

Magnetic Stripe Reader

6c

Smart card reader

7

Portable data storage

8th

display

9

Through Hole

10

safe

11

input box

12

power supply

13

Abstellfuß

14

battery

15

Memory card slot

16

Electrical interface

17

operatively connected

18

wireless device

19

20

operatively connected

21

operatively connected

22

23

Universal card holder

Claims (10)

System for simplifying the use of a plurality of cards, in particular credit cards, patient cards, chip cards or customer cards, with at least one card ( 2 ) with personal data stored electronically thereon and with - at least one universal card ( 3 ) and with - means for writing the personal data on the universal card ( 3 ), whereby the means for writing as a portable data memory ( 7 ) are formed with input device, characterized in that - a docking station ( 4 ) with - at least one hardware interface, e.g. B. a magnetic stripe reader, for reading the personal data of the card ( 2 ) and possibly an access control device is present. System according to claim 1, characterized in that the means for writing a display ( 8th ), preferably a touch-sensitive display. System according to claim 1 or 2, characterized in that the portable data memory ( 7 ) is a smartphone. System according to claim 1, 2 or 3, characterized in that the portable data memory ( 7 ) an interface ( 16 ) to the docking station, preferably a wireless operative connection. Method using a system according to one of the preceding claims 1 to 4 for copying and saving personal data from cards to a universal card, characterized by the steps of - reading out data of a card by means of a docking station, - storing the read-out data therein Transferring to a universal card, - selecting the data of a card stored in the docking station, - transferring the data into a portable data memory and - writing the universal card with the data of the selected card by means of the portable data memory, wherein at least one of the data transfer operations is password protected. A method according to claim 5, characterized in that the method is programmatically, preferably by means of an application, App, running on a smartphone. A method according to claim 5 or 6, characterized in that the personal data of selected cards are transferred from a network-integrated memory in the memory of a smartphone. A method according to claims 5 to 7, characterized in that detected by means of a program stored on the universal card abuse cases and the data stored on the universal card data in case of abuse are deleted. Method according to claims 5 to 8, characterized in that the docking station and / or the portable data memory accesses a network memory. Procedure that copies personal data stored on cards to a universal card marked by the steps Connecting at least one card to a docking station, preferably by means of a wireless communication device, - Read the data from the card via the connection between the docking station and the card Storing the read-out data in the docking station, preferably with a user-assigned and / or description, Connecting the docking station to a portable data storage, such as A smartphone or a network, as. z. As the Internet or a private network, eg. B. Wi-Fi network, preferably via a wireless communication device Initializing the docking station for transferring data from the docking station to the portable data storage, Displaying all data stored in the docking station, preferably by displaying its associated description on a touch-sensitive surface, in particular a display, Selecting a data by a user, in particular by selecting a displayed description by means of an input of his choice by the touch-sensitive surface, Transferring the selected data to the portable data storage via the connection between the docking station and the portable data storage, - If necessary, repeat the selection of data and their transmission, if necessary with password query on the portable data memory, - Disconnecting the connection between portable data storage and docking station, connecting a universal card to the portable data storage, eg. B. with a magnetic card writer or by means of near field communication device, Initialize the portable data storage, preferably with a password query, such. B by entering a general pin, View the data stored on the portable data store on a touch-sensitive surface, Selecting and transferring the selected data to the universal card, wherein one or more of the above-mentioned data transmissions by means of a security prompt, for. B. Generalpin, are protected, Temporarily displaying the pin associated with the selected record depending on the setting of a device.

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