EP0112814A1 - Systeme de transfert de fonds utilisant des modules portatifs couples optiquement - Google Patents

Systeme de transfert de fonds utilisant des modules portatifs couples optiquement

Info

Publication number
EP0112814A1
EP0112814A1 EP19820901473 EP82901473A EP0112814A1 EP 0112814 A1 EP0112814 A1 EP 0112814A1 EP 19820901473 EP19820901473 EP 19820901473 EP 82901473 A EP82901473 A EP 82901473A EP 0112814 A1 EP0112814 A1 EP 0112814A1
Authority
EP
European Patent Office
Prior art keywords
housing
data
module
type
alignment
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
EP19820901473
Other languages
German (de)
English (en)
Inventor
William M. Benton
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Individual filed Critical Individual
Publication of EP0112814A1 publication Critical patent/EP0112814A1/fr
Withdrawn legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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

Landscapes

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

Abstract

Un système de transfert de fonds au lieu de liquides ou d'autres données comprend des modules portatifs de transfert de fonds émis par une banque ou un autre instutut financier et portés par chaque membre, pouvant être un acheteur ou un vendeur. Un premier type de module (20) comprend un boîtier (22) contenant un clavier (24) pour l'introduction de données, un affichage (26) et un commutateur (30) pour l'identification du type de données (3). A l'intérieur du boîtier (22) se trouvent les circuits de traitement et de stockage, et un émetteur/récepteur optique (32, 34), couplé aux circuits, est exposé au travers du boîtier. Un deuxième type de modules (42) possède un boîtier (44) plus petit que le boîtier du premier type de modules et comprend uniquement les circuits internes et l'émetteur/récepteur optique exposé (48, 50); il ne comporte pas d'affichage ni de clavier. Les boîtiers du premier et du deuxième types de modules sont pourvus d'organes d'alignement (36, 38, 40, 52, 54) servant à (a) orienter des paires de modules du premier type avec les émetteurs/récepteurs optiques correspondants alignés entre eux pour le transfert de données ou (b) orienter des modules du premier et du deuxième types l'un par rapport à l'autre pour le transfert de données. Dans le deuxième cas, les données stockées dans le module du deuxième type (42) sont affichés dans l'affichage du module du premier type (20). Un support d'alignement facultatif (56) peut être utilisé pour positionner correctement les modules pour le transfert de données. Un deuxième type de support de montage (90) permet d'assurer la liaison avec un équipement extérieur, tel qu'une machine de guichet automatique (ATM), pour permettre le transfert de fonds directement avec un institut membre.
EP19820901473 1982-04-05 1982-04-05 Systeme de transfert de fonds utilisant des modules portatifs couples optiquement Withdrawn EP0112814A1 (fr)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/US1982/000421 WO1983003694A1 (fr) 1982-04-05 1982-04-05 Systeme de transfert de fonds utilisant des modules portatifs couples optiquement

Publications (1)

Publication Number Publication Date
EP0112814A1 true EP0112814A1 (fr) 1984-07-11

Family

ID=22167911

Family Applications (1)

Application Number Title Priority Date Filing Date
EP19820901473 Withdrawn EP0112814A1 (fr) 1982-04-05 1982-04-05 Systeme de transfert de fonds utilisant des modules portatifs couples optiquement

Country Status (3)

Country Link
EP (1) EP0112814A1 (fr)
BR (1) BR8300478A (fr)
WO (1) WO1983003694A1 (fr)

Families Citing this family (21)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPS60160491A (ja) * 1984-01-31 1985-08-22 Toshiba Corp Ｉｃカードとｉｃカード発行装置
ATE93078T1 (de) * 1984-04-03 1993-08-15 Omron Tateisi Electronics Co Finanzielle transaktionen verarbeitendes system, das eine karte mit integrierten schaltkreisen verwendet.
DE3412663A1 (de) * 1984-04-04 1985-10-17 Siemens AG, 1000 Berlin und 8000 München Chipkartensystem
US4746787A (en) * 1984-07-20 1988-05-24 Oki Electric Industry Co., Ltd. IC card with display and card recording and reading device
IL75702A0 (en) * 1984-07-27 1985-11-29 Technion Res & Dev Foundation Apparatus for effecting and recording monetary transactions
US4864109A (en) * 1984-11-12 1989-09-05 Nobuo Minematsu Electronic bankbook and transaction system for use therewith
FR2605430B1 (fr) * 1986-10-15 1991-06-07 Audebert Yves Dispositif electronique destine a permettre l'utilisation d'une carte a memoire avec un systeme auquel elle est destinee
US5478995A (en) * 1986-10-23 1995-12-26 Skidata Computer Gesellschaft M.B.H. Data carrier with disc shaped carrier structure
GB2220772A (en) * 1988-07-14 1990-01-17 Unisys Corp Keyboard operated system
EP0407529B1 (fr) * 1988-12-29 1995-01-25 Unisys Corporation Systeme commande par clavier
GB2229557B (en) * 1989-03-08 1993-04-07 Plus 5 Eng Ltd An addressable memory cartridge
US6926200B1 (en) 1989-09-06 2005-08-09 Fujitsu Limited Electronic cashless system
US6003762A (en) * 1989-09-06 1999-12-21 Fujitsu Limited Transaction terminal for an electronic cashless system
JP3184196B2 (ja) * 1989-09-06 2001-07-09 株式会社富士通総研 電子財布システム
US6003767A (en) * 1989-09-06 1999-12-21 Fujitsu Limited Cashless medium for an electronic cashless system
USRE36788E (en) * 1990-09-06 2000-07-25 Visa International Service Association Funds transfer system
CH686912A5 (it) * 1991-10-04 1996-07-31 Dino Condolf Portafoglio elettronico.
CN1121660C (zh) * 1996-05-02 2003-09-17 株式会社日立制作所 电子钱夹系统
AUPO084896A0 (en) * 1996-07-05 1996-07-25 Dynamic Data Systems Pty Ltd Identification storage medium and system and method for providing access to authorised users
JP3483441B2 (ja) * 1997-10-16 2004-01-06 富士通株式会社 電子マネーの管理所有装置および管理所有方法
US6857565B2 (en) 2001-12-14 2005-02-22 Damon Eugene Smith Electronic traveler's checks

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* Cited by examiner, † Cited by third party
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FR2304965A2 (fr) * 1974-03-25 1976-10-15 Innovation Ste Int Procede et dispositif de commande electronique
US4277837A (en) * 1977-12-30 1981-07-07 International Business Machines Corporation Personal portable terminal for financial transactions
US4280180A (en) * 1979-10-30 1981-07-21 Pitney Bowes Inc. Electronic postage meter having field resettable control values
US4305059A (en) * 1980-01-03 1981-12-08 Benton William M Modular funds transfer system

Non-Patent Citations (1)

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Title
See references of WO8303694A1 *

Also Published As

Publication number Publication date
BR8300478A (pt) 1983-12-13
WO1983003694A1 (fr) 1983-10-27

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