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
  • 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
  • G06K19/0723—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 the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
• • 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
  • G06K19/0723—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 the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
  • G06K19/0728—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 the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs the arrangement being an optical or sound-based communication 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
  • G06K19/07701—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction
  • G06K19/07703—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being visual
• • 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
  • G06K7/10544—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation by scanning of the records by radiation in the optical part of the electromagnetic spectrum
  • G06K7/10821—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation by scanning of the records by radiation in the optical part of the electromagnetic spectrum further details of bar or optical code scanning devices
  • G06K7/1097—Optical sensing of electronic memory record carriers, such as interrogation of RFIDs with an additional optical interface
• • 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
  • 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
  • G06Q20/38—Payment protocols; Details thereof
  • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
  • G06Q20/409—Device specific authentication in transaction processing
  • G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners

Definitions

• the present invention relates generally to electronic off-line data transfer, and more parti ⁇ cularly toward a funds transfer system comprising a 15 number of portable funds data storage and transfer modules using optical coupling for performing cash ⁇ less transactions.
• ACH OMPI clearing house
• ATM automated teller machine
• POS point of sale system
• EFT electronic funds transfer
• a cashless, off-line transaction system involves personal, portable terminals that are adapted for use with data storage and transfer cards.
• the terminals exchange data with the cards and with other terminals using capacitive coupling. Because the card has no keyboard or display, each individual must have separate cards and terminals whereby the card is carried and applied to the terminal of a vendor to make a. transaction. To thereafter read the data contained on the card, the member must have access to his terminal; he cannot continuously monitor his account, and versatility of the system is limited.
• One object of the invention is to provide a new and improved electronic funds transfer system.
• Another object is to provide an electronic funds transfer system including portable, funds transfer modules that employ optical coupling for data exchange and which can be incorporated within or retrofitted to external electronic funds transfer equipment, such as (ATM) .
• ATM electronic funds transfer equipment
• Another object is to provide an electronic funds transfer system, including pluralities of first and second types of portable data storage and transfer devices or modules, wherein the first type contains data processing, keyboard entry and display as well as optical coupling to other portable devices and the second, economy type employs only optical coupling, and wherein pairs of the first type of portable module are aligned with each other for funds transfer via optical coupling and wherein the first and second type modules may be aligned for funds transfer via optical coupling.
• a first type of alignment pad receives a pair of first type modules and, together with the housing alignment means, maintains the two modules in proper orientation to complete a transaction.
• Account transfer data including identification and account numbers, transaction date, transaction amount and account balances, are displayed as the transaction takes places.
• the alignment pad also receives a first type module and a second type module to maintain them in proper orientation for funds transfer.
• the .display. of the first type module displays the transaction amount and account balance maintained in the second type module as well as displays other data.
• the account balance stored in the second type module may be incremented as well as decremented by the first type module.
• Figure 4 is a flow diagram of a transaction routine for completing a transaction between a vendor and a vendee
• Figure 5 is a flow diagram of a handshake routine that occurs prior to the transaction
• Figure 6 shows first and second type trans ⁇ action modules in position within an alignment pad for completing a transaction
• Figure 7 is a perspective view of a communication pad adapted to couple transaction data between a module and a point of sales terminal or central processing unit;
• Figure 8 shows a first type funds transfer module in position within the communications pad of Figure 7;
• Figure 11 is a top view of an alignment pad adapted to be mounted to an ATM or other device and carrying a first type funds transfer module, in accordance with the invention
• Figure 12 shows the mounting pad of Figure 11, carrying a second type funds trans- fer module in accordance with the invention.
• Figure 13 is a detailed circuit diagram showing the signal processing and storage cir ⁇ cuitry contained within the first type funds transfer module.
• a first type of funds data transfer device or module 20 in accordance with the invention, comprises a housing 22

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• Engineering & Computer Science (AREA)
• Physics & Mathematics (AREA)
• Business, Economics & Management (AREA)
• General Physics & Mathematics (AREA)
• Theoretical Computer Science (AREA)
• Accounting & Taxation (AREA)
• Microelectronics & Electronic Packaging (AREA)
• Computer Networks & Wireless Communication (AREA)
• General Business, Economics & Management (AREA)
• Strategic Management (AREA)
• Computer Hardware Design (AREA)
• Electromagnetism (AREA)
• Finance (AREA)
• General Health & Medical Sciences (AREA)
• Computer Security & Cryptography (AREA)
• Computer Vision & Pattern Recognition (AREA)
• Artificial Intelligence (AREA)
• Toxicology (AREA)
• Health & Medical Sciences (AREA)
• Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
• Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Applications Claiming Priority (1)

Publications (1)

Family

ID=22167911

Family Applications (1)

Country Status (3)

Families Citing this family (21)

Family Cites Families (4)

• 1982
  • 1982-04-05 EP EP19820901473 patent/EP0112814A1/de not_active Withdrawn
  • 1982-04-05 WO PCT/US1982/000421 patent/WO1983003694A1/en unknown
• 1983
  • 1983-02-01 BR BR8300478A patent/BR8300478A/pt unknown

Non-Patent Citations (1)

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