EP0289590A1 - Carte de poche a donnees electroniques et systeme et procede de transmissions - Google Patents

Carte de poche a donnees electroniques et systeme et procede de transmissions

Info

Publication number
EP0289590A1
EP0289590A1 EP88900277A EP88900277A EP0289590A1 EP 0289590 A1 EP0289590 A1 EP 0289590A1 EP 88900277 A EP88900277 A EP 88900277A EP 88900277 A EP88900277 A EP 88900277A EP 0289590 A1 EP0289590 A1 EP 0289590A1
Authority
EP
European Patent Office
Prior art keywords
card
information
holder
remote location
telephone
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.)
Pending
Application number
EP88900277A
Other languages
German (de)
English (en)
Other versions
EP0289590A4 (fr
Inventor
David M. Rau, Iii
Neil W. Sullivan
David M. Engler
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.)
Call It Co
Original Assignee
Call It Co
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 Call It Co filed Critical Call It Co
Publication of EP0289590A1 publication Critical patent/EP0289590A1/fr
Publication of EP0289590A4 publication Critical patent/EP0289590A4/fr
Pending 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
    • 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
    • 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

Definitions

  • the present invention relates to portable electronic information cards, and in particular, to a hand-held portable electronic information card having means for acoustically coupling into a telephone system for the transmission of, for example, personal information as identification data stored in the card to a remote central computer.
  • the present invention further relates to a communications system using such a portable electronic information card for transmission of such information, e.g., personal identification information, to a remote location.
  • Smart Card One system which has become known for electronic information transfer has been referred to as the "Smart Card".
  • the Smart Card is described in a publication by Sotelec, and comprises a hand-held plastic card having electronic circuitry therein for identifying the person holding the card.
  • a number of U.S. patents relating to the Smart Card for example, U.S. Patent Nos. 3,971,916, 4,007,355, 4,092,524, 4,102,493 and 4,444,464 have been issued.
  • the Smart Card utilizes a plurality of contacts disposed on the card for allowing information contained in the card to be read by a special apparatus for reading the card.
  • the Smart Card may provide ' advantages in information transfer, e.g., the electronic identification of a person, it has disadvantages in that it cannot be used without a special machine for reading the card and it cannot easily be used with an ordinary telephone, for example, a touch-tone telephone.
  • U.S. Patent Nos. 3,976,840 and 4,442,318 show other communications terminals having acoustic coupling devices for coupling to a telephone. Again, however, these devices do not provide information cards which are easily portable for conveying information concerning the person holding the card into the telephone system.
  • SUBSTITUTE SHEET provide information, e.g., to identify uniquely the holder of the card, to a remote receiving device coupled to the telephone system, e.g., a remote central computer.
  • It is yet still another object of the present invention to provide a portable electronic information card which comprises electronic memory means for storing information concerning the holder of the card and furthermore which provides an acoustic coupling device mounted on the card so that a holder of the card need only place the card against the mouthpiece of a telephone handset in order to convey information contained in the card onto the telephone system.
  • information e.g., personal identification information
  • a hand-held card comprising electronic means comprising memory means having stored therein information associated with the holder of the card, acoustic coupling means including output transducer
  • SUBSTITUTE SHEET means for acoustically coupling an output signal generated by the transducer means to a telephone handset to enable transmission of the information over a telephone network to a remote location, the acoustic coupling means being disposed on the card, whereby a holder of a card, when prompted by a signal received over the telephone network, places the acoustic coupling means into close proximity with the handset of the telephone thereby to transmit the information to the remote location.
  • a system for communicating information associated with a person to a remote location comprising a hand held card comprising electronic means including memory means having stored therein the information associated with a holder of the card, coupling means including output transducer means for acoustically coupling an output signal generated by the transducer means to a telephone handset to enable transmission of the information over a telephone network to a remote location, the acoustic coupling means being disposed on the card, whereby a holder of the card, when prompted by a signal received over the telephone network, places the acoustic coupling means into close proximity with the handset of the telephone thereby to transmit the information to the remote location, and means at the remote location for receiving and verifying the information.
  • the information stored in the memory means comprises personal identification
  • a method for communicating information associated with a person to a remote location is also within the scope of 5 the invention.
  • FIG. 1 is an overall block diagram of a communication system wherein a portable electronic information card according to the invention communicates information 20 contained in the card via a telephone to a remote central computer;
  • FIG. 2 shows one embodiment of a portable electronic information card according to the invention
  • FIG. 3 shows one embodiment of the circuitry for a portable electronic information card according to the invention.
  • FIG. 4 shows a system flowchart whereby information contained within the portable electronic information card according to the invention can be received by a
  • FIG. 1 shows an overall block diagram of a communication system whereby a portable electronic information card according to the invention communicates data contained within the card to a remote central computer via a telephone system.
  • the remote central computer may comprise a computerized communication system and digital speech announcer as described in copending patent application Serial No. 852,878 filed in the United States Patent and Trademark Office on April 16, 1986 in the names of Michael B. Crane and Neil B. Sullivan.
  • the holder of a portable electronic information card 10 places a telephone call using, for example, a touch-tone telephone 20.
  • the user when prompted by messages received over the telephone, for example, places an acoustic coupling device of the electronic information card 10 against the mouthpiece of the telephone handset 22, thereby allowing the information contained in the card 10 to be transmitted over the telephone lines 30 to the remote central computer 40, which may be the central computer and digital speech announcer described above.
  • the computer 40 has coupled thereto, for example, various peripheral devices, for example, video display terminals 50 and a printer 60, for performing various operations, to be
  • 10 may comprise, for example, personal identification information concerning the holder of the card, e.g., credit card information.
  • card 10 may also comprise telephone dialing information therein, so that once a dial tone is obtained, the holder of the card can depress a button thereon to transmit the dialing information to establish a connection with remote computer 40.
  • the holder of the card 10 may use the card, for example, to place an order for merchandise over the telephone.
  • the holder of the card places a telephone call using the touch-tone telephone, as described above.
  • the caller is given a digital speech message pointing out instructions which are to be followed.
  • This digital speech message is generated by the central computer's digital speech announcer, as described above.
  • the digital speech announcer generates a series of sequential messages which instruct the holder of the card how to proceed with the transaction.
  • the caller then places the portable electronic information card 10 to the mouthpiece of the telephone handset.
  • the portable electronic information card includes microelectronic circuitry encapsulated therein, to be described later, which preferably includes a memory having stored therein prerecorded identification information concerning the holder of the card.
  • the card 10 has a tone generator and an acoustic coupling device which converts the stored information into audio tones, for example, frequency shift keyed (FSK) tones or dual tone multifrequency (DTMF) tones.
  • FSK frequency shift keyed
  • DTMF dual tone multifrequency
  • the central computer at the remote location converts the audio tones into digital data which can be displayed on a terminal 50 or printed on a printer 60, and using this information, the central computer responds accordingly with the proper function, for example, confirming the authenticity of the user's credit card information so that a purchase can be made against the user's credit card.
  • An advantage of the present invention is that the user does not have to risk the errors which often occur in transferring credit card information over the phone by voice, the risk of theft is minimized and in systems wherein the user is required to punch in information using a touch-tone keypad, the electronic information card 10 eliminates the problem of errors being made in transmission of the information because of the complicated codes required to be inputted through the touch-tone pad of the telephone.
  • SUBSTITUTE SHEET data can then be used to process billing information and mailing labels.
  • the central computer under the direction of the digital speech announcer is in control and the personal information card 10 is no longer used as part of the caller's transaction.
  • the holder of the card in response to digital speech messages transmitted to the holder of the card, the holder of the card can then make the appropriate choices, for example, selecting the particular credit card with which he desires to make a purchase, by appropriate use of the touch-tone pad of the telephone 20.
  • the portable electronic information card 10 preferably is preprogrammed by an outside source, thus allowing for proper quality control.
  • the electronic information card 10 requires a small battery for powering the electronic circuitry in the card, which may comprise CMOS circuitry requiring low power for operation.
  • the electronic information card 10 can also be reprogrammed by an outside source, for example, by providing a read/write memory in the electronic information card 10 by which the central computer 40 can return tone messages to the card 10 via the earpiece of the telephone handset 22, which information can then reprogram the card 10.
  • Information which may be stored in the card 10 may include, for example, the name, security code, address, telephone number and credit card numbers of the holder of the card. Any amount of information can be stored if it does not exceed the memory capacity of the card 10.
  • SUBSTITUTE SHEET Other applications of the present invention include accessing personal accounts, for example, retail accounts, and receiving information back from the remote location concerning the balance in the account.
  • the balance could be indicated on a display located on the card 10.
  • Another application includes the accessing of medical information concerning the holder of the card, e.g., health information in the event of an emergency.
  • medical information e.g., health information in the event of an emergency.
  • a medical technician could use the holder's card to access remote data banks to obtain a medical profile of the card holder, thus aiding in treatment of the card holder.
  • the medical information could be stored in the card in addition to the holder's personal identification data and the technician could be equipped with a device for reading the information stored in the card.
  • the information in the card could be downloaded to a remote location in a hospital emergency room so that medical personnel will be prepared to receive the patient in advance.
  • Other applications are possible.
  • the information card of the present invention can be used to provide access to a large number of information sources.
  • the security code information transmitted is verified by the central computer 10, and if valid, allows the caller to proceed. If not valid, the central computer acknowledges by calling up a speech message to notify the holder of the card that the information contained in the card is not current and cannot be processed.
  • SUBSTITUTE SHEET speech message may further indicate a special service number to call for assistance.
  • FIG. 2 shows one embodiment of the portable electronic information card 10 according to the invention.
  • FIG. 2(a) shows a front view of the portable electronic information card 10 according to the invention while FIGS. 2(b) and 2 ⁇ c) show side and rear views.
  • the . information card 10 may comprise a keypad 11 for the inputting of information, although this is not necessary in a simplest embodiment of the invention, where only an on/off switch 12 may be required.
  • the information card may include send and receive buttons 13 and 14, but in other embodiments, the card 10 responds to signals transmitted over the telephone line by the central computer 40 automatically.
  • FIG. 1 shows a keypad 11 for the inputting of information
  • the information card may include send and receive buttons 13 and 14, but in other embodiments, the card 10 responds to signals transmitted over the telephone line by the central computer 40 automatically.
  • the card holder places the acoustic coupling device 14, which may be located on the rear of the card, against the mouthpiece of the telephone handset, and then presses the send button 13 to allow the information contained in the card to be transmitted to the central computer over the telephone line.
  • the holder of the card may be required to press a receive button, e.g., 14, in order to receive information back from the central computer 40, for example, information for reprogramming the card 10.
  • the card 10 can also be designed automatically to send the stored information upon receipt of a signal from the
  • the card 10 may also comprise a display device 16, for displaying transmitted and received information. As is also shown in FIG. 2(c), the card 10 may also include a display device 17 for indicating if the self-contained battery is low.
  • FIG. 3 shows one embodiment of circuitry contained within the portable electronic information card 10.
  • the electronic information card 10 comprises a central processing unit 100 having an address and data bus 110, 130, (in the illustrated embodiment - 11 bits) an I/O port 120 and further functional lines 132.
  • CPU 100 includes necessary circuits for providing a clock frequency signal 140, power-on reset 150 and start-send signal 160.
  • Clock frequency signal source 140 may generate, e.g., a 3.58 MHz signal.
  • the address/data bus 110 of the CPU 100 is coupled to a decoder circuit 170, which decodes address information contained on the address/data bus 110 and supplies it to the address inputs of a memory 180.
  • Memory 180 may comprise, for example, a read only memory (ROM) in one embodiment of the invention.
  • ROM read only memory
  • the information to be transmitted, e.g., personal identification information concerning the holder of the card, is stored in memory 180.
  • Data from memory 180 is supplied to the address/data bus 110 of microprocessor 100 via data bus 182.
  • SUBSTITUTE SHEET Input/output port 120 of microprocessor 100 is coupled to inputs of a tone generator 190.
  • the tone generator 190 may be a dual tone multifrequency (DTMF) generator or a frequency shift key (FSK) tone generator.
  • the output of tone generator 190 is applied to a transducer 192 which includes an acoustic coupling device for allowing the signals generated by the transducer 192 to be coupled to the mouthpiece of the telephone handset.
  • Tone generator 190 has coupled thereto a clock frequency source 194.
  • the clock frequency source 194 may also comprise a 3.58 MHz crystal.
  • An AND gate 195 connects two lines from microprocessor
  • RD are low.
  • PSEN is low when a data memory access is to be performed (e.g., the information to be transmitted is accessed) and RD is low when a program memory access is to be performed.
  • Examples of components of the portable electronic information card shown in FIG. 3 are the following:
  • CMOS circuits can be substituted or the TTL circuits identified above.
  • FIG. 4 shows a flowchart illustrating the overall operation of one embodiment of the system shown in FIG.
  • the caller calls the system to establish connection as shown at 200. This is accomplished by dialing the telephone number of the central computer 40.
  • the digital speech announcer of the central computer 40 then transmits instructions to the holder of the card on how to proceed to accomplish the transaction as shown at 210.
  • the caller holds the acoustic coupling device of the card to the mouthpiece of the telephone and transmits the data contained within the memory of the card to the central computer 40 as shown at 220.
  • the central computer determines if the information contained in the transmitted data is valid, as shown at 230. If the information is valid, as shown at 240, the central computer processes the data and asks for additional data if required. This is shown at 250.
  • the central computer may, via the digital speech announcer, request that the holder of the card select the particular credit card by which the user wishes to make payment. This can be performed by appropriate depression of keys of the touch-tone telephone 20. Once all information is obtained, the call is ended, as indicated at 260 and the system is ready to receive the next call. If the information is found invalid at 240, then the digital speech announcer of computer 40 sends a message to the card holder indicating that the information is not correct or invalid. This is indicated at 270. The central computer 40 will check to see if the information transmitted is valid at least three times. This is

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  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Business, Economics & Management (AREA)
  • Computer Hardware Design (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Telephonic Communication Services (AREA)
  • Credit Cards Or The Like (AREA)

Abstract

Une carte de poche à données électroniques (10), contenant des informations relatives au détenteur de la carte, telles que des informations d'identification personnelles, peut, à la différence des cartes à données électroniques antérieures, être utilisée sans appareils spéciaux pour sa lecture. La présente carte de poche à données électroniques (10) utilise un coupleur acoustique qui, par l'intermédiaire d'un transducteur de sortie, relie un signal de sortie produit par le transducteur à un combiné téléphonique (22), afin de permettre la transmission des informations par l'intermédiaire d'un réseau téléphonique (30) jusqu'à un endroit éloigné (40). Le coupleur acoustique est disposé sur la carte (10), ce qui permet au détenteur de la carte, lorsqu'il est interrogé par un signal reçu par l'intermédiaire du réseau téléphonique (30), de placer le coupleur acoustique à proximité immédiate du combiné téléphonique, de manière à permettre la transmission des informations jusqu'à l'endroit éloigné (40).
EP19880900277 1986-10-31 1987-10-28 Carte de poche a donnees electroniques et systeme et procede de transmissions. Pending EP0289590A4 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US92528986A 1986-10-31 1986-10-31
US925289 1986-10-31

Publications (2)

Publication Number Publication Date
EP0289590A1 true EP0289590A1 (fr) 1988-11-09
EP0289590A4 EP0289590A4 (fr) 1989-08-22

Family

ID=25451515

Family Applications (1)

Application Number Title Priority Date Filing Date
EP19880900277 Pending EP0289590A4 (fr) 1986-10-31 1987-10-28 Carte de poche a donnees electroniques et systeme et procede de transmissions.

Country Status (3)

Country Link
EP (1) EP0289590A4 (fr)
JP (1) JPH01502231A (fr)
WO (1) WO1988003294A1 (fr)

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Also Published As

Publication number Publication date
WO1988003294A1 (fr) 1988-05-05
EP0289590A4 (fr) 1989-08-22
JPH01502231A (ja) 1989-08-03

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