DE202018106797U1 - Electronic device for business transactions - Google Patents

Abstract

Electronic device for business transactions in the purchase of goods or services in shops of all kinds, preferably with contactless communication technology, characterized by the following features:
- A display or display in the upper third of the device, linked to the entire electronic circuit, including the chip, to visually display the credit balance for each transaction after the device has been held at the POS terminal of the store and via the internal or external network has taken place a data exchange; and or
- A format of 60 millimeters width and 40 millimeters height, with a deviation of the dimensions up to 9 millimeters in height and in width due to the industrial implementation and adaptation to international standards or measuring systems, whereby the invention in articles with small subjects , such as a purse, and has a unique, differentiated architecture.

Description

TECHNICAL AREA

The invention is assigned to the technical field of electronic means of payment.

The invention relates to an electronic payment device, preferably with contactless technology, for goods or services of any kind, which is characterized by a distinctive format and a display or a display.

STATE OF THE ART

The most obvious forerunner of the present invention is the smart card or smart card. In recent years, this has been used for very diverse functions. With regard to means of payment, among others, credit, debit, prepaid and customer cards must be mentioned.

All have in common that their design in terms of their architecture meets internationally recognized standards. The Standard ISO / IES 7810 represents the standard of electronic cards and sets four different sizes: ID-000 25X15 (width x height in millimeters), ID-1, 85.60X53.98, ID-2 105x74 and ID-3 125x88, where ID-1 Ia (85,60X53,98) is currently used for payment cards.

In addition, smart card readers or smart card writers and readers have been developed that act as an interface between smart cards and the system hosting the final application for which the card was created.

Smart cards used as a means of payment have various technologies for communicating with the host device (cash register, payment terminal, card reader, etc.); depending on the preference of the card issuer - usually a financial institution - via magnetic stripe, barcode, contact chip, RFID tags ("smart labels") with radio frequency radio antenna, etc.

The most common and advanced technology is currently the contactless technology between the owner's card and the payment transaction terminal of the business. This allows faster payment, as the card information is transmitted immediately, without the card must be inserted into the card reader for reading and debiting the requested amount.

Typically, this technology is integrated into cards that conform to the standard ISO / IEC 7810 format (85.60 millimeters wide and 53.98 millimeters high), and therefore typically require storage in a wallet with special card slots for everyday use by the cardholder to be used.

However, it does not necessarily make sense that the cards must necessarily have this format to handle a business transaction contactlessly. In addition, smaller cards would be desirable that could be adequately stored in less large purses or card cases, or in other accessories, storage locations, mobile phone cases, etc. without compromising their technology or their internal electronic equipment. This gives the invention a unique, sophisticated architecture and represents a significant improvement as card usage could be extended to a variety of users who resort to other means (purses, wallets) to pay for their purchases in cash.

Another disadvantage of smart cards is the lack of control over the amount spent and the available credit. In the case of payment by chip card, the user has no knowledge of his credit balance either before or after the transaction. For the user, this is a significant drawback, as he has to resort to an ATM, online banking, etc., in order to know his credit balance and the expenses charged to date, but can not access them at the time of purchase.

To provide a solution to this problem, it would be useful for the card to have a display or display that displays the current credit balance at any time during the purchase process. In this way, the cardholder would have more effective control over his spending and also more incentives, rather than cash, to use an electronic means of payment.

As a result, it would be a distinct advantage for users of all types - especially those who usually or even exclusively use cash as a means of payment, without excluding those who already use smart cards - to be able to access a new electronic means, with an advertisement or display The upper section is equipped to retrieve the currently available credit before and after purchase, is smaller in size than the standard card format, so it can fit in smaller cases or purses, and is particularly attractive and user-friendly due to its novel architecture and functionality ,

PRESENTATION OF THE INVENTION

The object of the invention offers a solution to the points described above. It consists of an electronic device made of PVC or a similar material, with a rectangular format of 60 millimeters width and 40 millimeters height, whereby due to the industrial implementation as well as the adaptation to international standards or measuring systems a deviation of the measurements by up to 9 millimeters in the Height and width is possible. In addition, the invention has a display that is associated with the electronic circuit and works with LED, LCD or other technology that can map at least 5 digits and the dot or the comma character. The invention is at least 760 microns thick, but may be thicker to accommodate the major components such as the display as well as an RFID label (consisting of a wireless data transmission and reception antenna, a radio converter, an integrated circuit, and a chip) , All of the aforementioned components, as well as other secondary components typical of contactless technology, are interconnected via integrated circuits to operate together.

Instructions and commands would be implemented in a digital information carrier medium of the invention, such as the chip, to communicate with card reader terminals. These functions for exchanging and managing files during payment processing would be programmed at the factory; basic functions would be "command credit" and "command credit debit" and selectable functions "command credit recharge" and "command credits credit".

The communication between master device (POS, hereinafter referred to as point-of-sale or point of sale, ie the entire hardware - cash register, calculator, receipt printer, display, scanner, etc. -, and software - computer programs for the command - And interface communication -) and slave device, the electronic card, would be done by radio (induction) on the chip and the antenna by holding the card to the card reader terminal, which emits enough energy to the functions and commands of the card and to activate the credit display so that the "card" does not require its own battery or other system that provides it.

As a non-limiting example, the card reader accesses the credit balance during the normal purchase process and activates the display on which the available balance appears to be reviewed by the customer. After authorization has been given (verbally or by signature of the card holder), depending on the security level, the authentication of the holder is necessary, for example by entering a PIN, or the transaction is carried out without protection mechanisms, the credit is debited and the new credit balance appears on the display of the "card ".

The invention can be used in prepaid mode. In this case, the credit will be charged in advance by remote data transfer or via the POS terminal of a store; in the latter case, a payment platform is used - Redsys in Spain - to retrieve and debit balances from bank or other accounts as well as bank and other cards (credit cards and other card types). In addition, a mixed mode of operation is possible, for example "Prepaid of a credit institution (F), by remote data transmission". In both modes, the software program allows the updated credit balance to be displayed on the "card" display.

PREFERRED EMBODIMENT OF THE INVENTION

In a preferred embodiment, as described above, the invention would have on the upper side a display or display to experience the updated credit balance, for example in prepaid mode, after charging (in a shop, financial institution or other system) connected institutions) and before and after a payment (debit) or return (credit). In addition, in order to be stored and transported as conveniently as possible, it would have a variety of users, a format of 6 centimeters wide and 4 centimeters high, with a deviation of up to 9 millimeters both in height and in width, to meet the publisher's requirements or production specifications or to adapt to international dimensional standards.

It would consist on both sides of transparent PVC or white, printed PVC (or unprinted as "card blank"). Card blanks consist of PVC card, chip and antenna for transmitting and receiving data and commands. The "Mifare" RFID technology would consist of: 13.56 MHz chip and 1 K memory, antenna, reader and software. The reading / writing of the card is done contactlessly in the near field via radio frequency radio waves and the data can be changed each time the reader is approached to execute the desired command.

The thickness of the invention would be at least 760 microns. Bleed area of all margins: between 1 and 3 millimeters (top, bottom, left and right). Draft: about 1 to 3 °

Industrial production would consist of a physical and a technical part. The physical part, in terms of new architecture and size, would require the manufacture of a mold with two complementary mold halves to bring the support of PVC or other material into the new format including display. Other manufacturing techniques, such as rolling, can be performed with existing mechanical means. Technically, all EDP and electronic components, displays, integrated circuits, RFID tags, programs, etc. already exist to provide the invention with the necessary elements for the intended uses and capabilities previously described.

Economically and industrially, the invention offers a clear advantage over other means of payment and prior inventions, as its display, which retrieves and maps the credit balance from the internal memory or via remote data transmission, and its new architecture with a new format, which facilitates its storage and enhances its attractiveness Provide users of all types with a user-friendly alternative to paying by cash.

QUOTES INCLUDE IN THE DESCRIPTION

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

Cited non-patent literature

• Standard ISO / IES 7810 [0004]

Claims (1)

Electronic device for business transactions in the purchase of goods or services in shops of all kinds, preferably with contactless communication technology, characterized by the following features: - A display or display in the upper third of the device, linked to the entire electronic circuit, including the chip, to visually display the credit balance for each transaction after the device has been held at the POS terminal of the store and via the internal or external network has taken place a data exchange; and or - A format of 60 millimeters width and 40 millimeters height, with a deviation of the dimensions up to 9 millimeters in height and in width due to the industrial implementation and adaptation to international standards or measuring systems, whereby the invention in articles with small subjects , such as a purse, and has a unique, differentiated architecture.