EP0680646A1 - Procede et appareil de stockage et de rappel magnetiques d'informations relatives a des transactions par carte de credit - Google Patents

Procede et appareil de stockage et de rappel magnetiques d'informations relatives a des transactions par carte de credit

Info

Publication number
EP0680646A1
EP0680646A1 EP94908614A EP94908614A EP0680646A1 EP 0680646 A1 EP0680646 A1 EP 0680646A1 EP 94908614 A EP94908614 A EP 94908614A EP 94908614 A EP94908614 A EP 94908614A EP 0680646 A1 EP0680646 A1 EP 0680646A1
Authority
EP
European Patent Office
Prior art keywords
card
information
magnetic strip
module
transaction
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Withdrawn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
EP94908614A
Other languages
German (de)
English (en)
Inventor
Isaac J. Labaton
Michael K. Kelly
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.)
ENCO-TONE Ltd
Enco Tone Ltd
Original Assignee
ENCO-TONE Ltd
Enco Tone Ltd
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 ENCO-TONE Ltd, Enco Tone Ltd filed Critical ENCO-TONE Ltd
Publication of EP0680646A1 publication Critical patent/EP0680646A1/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Withdrawn legal-status Critical Current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
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/0008—General problems related to the reading of electronic memory record carriers, independent of its reading method, e.g. power transfer
    • 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
    • G06K7/10009—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves
    • G06K7/10316—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves using at least one antenna particularly designed for interrogating the wireless record carriers
    • G06K7/10326—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves using at least one antenna particularly designed for interrogating the wireless record carriers the antenna being of the very-near field type, e.g. capacitive
    • 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 generally relates to methods an apparatus for securing credit card transaction information, an more particularly, to a device for selectively erasing and writing credit card account information onto a magnetic stri associated with a credit card, bank account, or the like.
  • POS Point of Sale
  • the present invention provides methods and applications which overcome the shortcomings of the prior art.
  • a Smart Credit Cardholder (SCCH) Module is configured to receive a credit card therewithin, and to "read" the account information embedded in the magnetic strip associated with the card.
  • the SCCH Module includes an integral memory array for storing the information contained in the magnetic strip.
  • the magnetic strip is erased once the information contained therein is stored within the module's memory array.
  • the card cannot be used in an unauthorized manner to defraud the owner of the account represented by the card.
  • the owner of the card desires to effect a transaction using the card, he enters the card into the SCCH Module and, by entering a predetermined pass code into the Module, retrieves the account information from the memory array and rewrites the information to the credit card's magnetic strip.
  • the sale or other transaction is completed using the card, it may again be erased, thus rendering the card unsuitable for fraudulent use.
  • a consumer having a number of credit cards, bank cards, debit cards and the like may "reissue" a particular card for purposes of a single transaction, and thereafter erase the card until the next transaction.
  • the original card issued by the card issuer (e.g. , VISA , MASTERCARD , and the like) may be inserted into the Module, whereupon the information stored in the card's magnetic strip is stored in the Module's array. Thereafter, the card may be retrieved from the Module with the magnetic information intact. The owner of the card may then maintain the card permanently in a secure place rather than carrying the card around in a wallet, purse, or the like. For example, the card owner may wish to maintain such cards in a safe deposit box, safe or the like.
  • the card issuer e.g. , VISA , MASTERCARD , and the like
  • the user may simply insert a blan ⁇ "dummy" card into the SCCH Module and write the account information to the "dummy" card. After closing the transaction with the "dummy” card, it may be reinserted into the Module and erased. In this way, a single blank card may be used for a large number of unrelated transactions; that is, the "dummy" card may alternately function as a bank card, debit card, or a credit card, as desired.
  • information pertaining to a particular account may be stored in the SCCH memory array in accordance with a pass code selected by the owner of the SCCH Module.
  • This pass code may correspond to the PIN number associated with the card, or may comprise any arbitrary number selected by the user.
  • the account information may be retrieved from the Module's memory by entering the pass code associated with that card, for example via a keypad associated with the SCCH Module.
  • the SCCH Module may be equipped with an alarm or other warning mechanism which may be configured to alert the card owner in the event the card is not erased within a predetermined period of time after being reissued.
  • an alarm or other warning mechanism which may be configured to alert the card owner in the event the card is not erased within a predetermined period of time after being reissued.
  • the alarm or other warning device associated with the SCCH Module may be configured to alert the owner to erase the information from the card within a predetermined time, for example, 90 seconds after issuing the card.
  • the personal/biographical information may appear on the outside of the SCCH Module, either in addition to or instead of appearing on the cardholder's credit card.
  • a plastic or paper card bearing a magnetic strip may be issued by the SCCH and signed by the owner of the account, which card may be retained by the seller as a receipt or proof of approval of the transaction.
  • the amount, date, and other data associated with the transaction may also be written onto the paper/plastic card which, in effect, has been issued for a single transaction and kept by the seller as a Magnetic Card Receipt (MCR) .
  • MCR Magnetic Card Receipt
  • the magnetic material comprising the magnetic strip associated with a card of the type discussed herein may be made from a material or otherwise configured such that the magnetic information in the strip remains intact for a short, predetermined period of time.
  • the card may be used immediately after issuing for a predetermined time thereafter, but will be incapable of effecting a transaction beyond the predetermined period of authorization inasmuch as the magnetic information is calculated to degrade a short time after the card is issued.
  • Transitory Magnetic Card permits the owner of the card to reissue the card on the spot, in order to effect a sales transaction with the ease and simplicity of conventional cards, yet the card can be abandoned after the transaction, and the likelihood that the card will be used for an unauthorized purpose in the event it is lost or stolen is minimized.
  • FIG. 1 is a schematic diagram of an exemplary SCCH Module in accordance with one aspect of the invention.
  • FIG 2 is an exemplary Magnetic Card Receipt (MCR) in accordance with one aspect of the invention
  • Figure 3 is an exemplary block diagram of the Module shown in Figure 1 setting forth various functional aspects of the Module
  • Figure 4 is a schematic diagram of an exemplary transaction card for use in conjunction with the Module shown in Figure 1
  • Figure 5 depicts a credit card verification device of the type typically employed at Point of Sale (POS) transaction sites.
  • POS Point of Sale
  • an exemplary Smart Credit Cardholder (SCCH) Module 3 in accordance with the present invention suitably comprises a keypad 6, for example a conventional alphanumeric telephone-type keypad, an alphanumeric display 11, an audio transducer (speaker) 8, a first inlet slot 7, a second inlet slot 4 having an erasing mechanism 30, for example a permanent magnet associated therewith, and a selectively actuable mode switch 60.
  • a keypad 6 for example a conventional alphanumeric telephone-type keypad
  • an audio transducer (speaker) 8 8
  • a first inlet slot 7 a second inlet slot 4 having an erasing mechanism 30, for example a permanent magnet associated therewith
  • a selectively actuable mode switch 60 for example a permanent magnet associated therewith
  • a verification device typically located at the seller's place of business.
  • the account or other information imbedded within strip 1 is read by device 5 and used to authorize the transaction, for example by transmitting the information to a central computer maintained by the card issuer (for example to confirm or deny the transaction) . For example, if the card has been reported stolen or if the amount of the transaction exceeds the cardholder's available credit limit, the transaction may be denied.
  • the account information imbedded within magnetic strip 1 may be stored in memory within module 3, thus permitting the owner of the card to erase the information from the card and to write the information back to the original card or to another card only when desired, for example immediately prior to effecting a transaction with the card.
  • the likelihood that the card may be used in an unauthorized manner is reduced inasmuch as the card does not bear the account information within its magnetic strip, and further in view of the fact that an unauthorized user is unlikely to also have access to the cardholder's SCCH Module and/or knowledge of the pass code used to retrieve the account information from Module 3.
  • Module 3 may be configured to house circuitry for electronically effecting the functions described herein. More particularly, Module 3 comprises a serial input/ output port 33, a CPU 21 including a clock 32, a display circuit 22, a read-only memory (ROM) 23, a random access memory (RAM) 24, an alarm 8, a power source 26, a keyboard 6, and a card reader/ card writer 27 operatively associated with input slot 4 and output slot 7.
  • the information imbedded in the magnetic strips of various bank cards, ATM cards, credit cards, debit cards, charge cards and the like may be stored within Module 3 and selectively retrieved by the owner of Module 3 in order to effect the transaction with one of the foregoing cards.
  • a typical transaction card for example a VJ-SATM or MASTERCARD'
  • the card may be inserted into slot 7 of Module 3, whereupon instructions resident in ROM 23 instruct display 22 to display a command to the user requesting that the user enter a pass code, for example a password comprising up to 10 or more alpha/numeric characters.
  • a pass code for example a password comprising up to 10 or more alpha/numeric characters.
  • the user may enter a 4-digit pass code into Module 3 via keypad 6. This pass code may later be used by the cardholder to retrieve information from Module 3 corresponding to the same card, as discussed in greater detail below.
  • an address is assigned in RAM 24 wherein information pertaining to the particular pass code may be stored. More particularly, once the card is inserted into Module 3 and a pass code entered, Card Reader 27 "reads" the information imbedded in the magnetic strip of the card and stores the information in RAM 24 in the location corresponding to the password associated with the card. In accordance with a further aspect of the present invention, the owner of Module 3 may thereafter operate the Module in accordance with one of at least two modes: in the context of the illustrated embodiment, the user may select either mode A operation or mode B operation via switch 60.
  • the card may then be removed from Module 3 through slot 7 with the information imbedded within the magnetic strip intact.
  • the cardholder may then retain the originally issued card, with the magnetically coded information intact, in a safe place, for example a safe or safety deposit box. That is, in accordance with mode A operation, it is not necessary that the cardholder carry the credit card in a purse or wallet; rather, a facsimile or substitute for the card may be generated by the user for a particular transaction, as discussed in greater detail below.
  • the card may be removed through slot 4, whereupon the card interacts magnetically with magnet 30 to thereby erase the information from the magnetic strip 1.
  • the cardholder may carry the card in a wallet or purse so that the card can be "reactivated” at a later time as discussed in greater detail below.
  • Module 3 may be used to reissue the card in the following manner:
  • the user When a cardholder desires to reissue a card, the user inserts a card into Module 3 , for example by inserting the card into slot 4.
  • the card may be the originally issued card which was previously erased in accordance with mode B operation (described above) , or the card may comprise a blank, "dummy" card, for example a generic or universal-type card which may be used as a credit card, debit card, bank card, or charge card, as desired.
  • display 11 may instruct the user to enter a user I.D. as a threshold to operating the device. In this regard, such a user I.D.
  • the aforementioned “threshold” step may be eliminated, such that the user simply enters a single password into Module 3 (via keypad 6) corresponding to the particular card which the user is to reissue.
  • the account information corresponding to that card is retrieved from RAM 24 and written on the magnetic strip of the card then resident in the Module by card writer 27. The reissued card is then removed from the Module through slot 7 and used to effect the sales, banking, charge, debit or other transaction.
  • the user may reinsert the card into Module 3, for example through slot 4, upon completion of the transaction for which the card was reissued. That is, once the card has been used to effect the transaction, it may again be erased, thereby inhibiting the unauthorized use of the card in the event that it becomes lost or stolen.
  • the cardholder may simply retain the card, with its account information intact within the magnetic strip, until it is desired to erase the information.
  • Module 3 may be configured to remind the user of the option to erase the information from the card at a predetermined time following the time at which the card was reissued.
  • Module 3 may be configured such that alarm circuit 8 emits a buzz, tone, or voice synthesized command at a convenient time following reissue of the card.
  • alarm circuit 8 emits a buzz, tone, or voice synthesized command at a convenient time following reissue of the card.
  • an alarm signal may be emitted by Module 3 in the range of 30 seconds to 30 minutes, and most preferably in the range of about 90 seconds, following the issuance of a card.
  • the period of time between the reissuance of a card and the alarm signal should be of sufficient length to conveniently effect a transaction with a newly-reissued card.
  • Module 3 may be used to store account information pertaining to a plurality of transactions and other type cards, in a single universal card used to reissue each of a plurality of cards stored within Module 3. In this way, a cardholder need only carry with him his personal SCCH Module 3 and one or more universal cards, rather than carrying a large number of credit cards, debit cards, bank cards, charge cards and the like.
  • Module 3 may be configured to authorize a transaction directly, i.e. , without the need for reissuing a card and swiping the card through a POS device such as POS device 5. More particularly, it may be desirable to connect Module 3 directly to a telephone line (if Module 3 is equipped with a modem) or to a POS device through input port 33. The authorization or other account information may thus be transmitted and/or received directly by Module 3, thus eliminating the need for the intervening steps of issuing a card and utilizing the magnetic strip associated with the card to convey the account information.
  • information and/or data pertaining to transaction cards may be downloaded directly into RAM 24 via input port 33, without the need for inserting a card into the Module.
  • the information may be loaded into Module 3 via a port 33 from a computer, modem, telephone or other device.
  • credit card and other card-issuing companies need not send the cards through the mail; rather, they may simply download the account information directly into Module 3, whereupon the consumer may issue his own transaction card via Module 3 as needed.
  • Module 3 Even if Module 3 is lost or stolen, the account information remains secure to the extent an unauthorized user is without knowledge of the pass codes needed to retrieve account information from memory.
  • an exemplary Magnetic Card Receipt (MCR) 9 comprises a thin, planar card including a magnetic strip 10 and various other indicia pertaining to a transaction, for example the cardholder's name, signature, transaction date, amount of transaction, the nature of the transaction, and the like.
  • MCR 9 may function as a universal card which may be entered into Module 3 whenever it is desired to effect a transaction. MCR 9 may be used to effect the transaction, and thereafter may be left with either the merchant (seller) , bank, or other entity with whom the cardholder engages in a transaction as a receipt or other record evidencing authorization for the transaction. In this way, the card issued for a particular transaction by Module 3 can also function as a sales receipt or other permanent record of the transaction.
  • MCR 9 may advantageously comprise paper, plastic, or other suitable material.
  • the magnetic material which comprises magnetic strip 1 of card 2 suitably comprises a magnetic material designed to retain the information stored therein for a predetermined period of time.
  • the card issued by Module 3 may have a predetermined useful life, so that in the event it is lost or stolen, the information contained in the magnetic strip will be degraded, rendering the card unusable by an unauthorized user.
  • Such a Transitory Magnetic Card may contain magnetic material which causes the information written thereon to decay within a predetermined period of time, for example the range of 1 to 20 minutes, and most preferably in the range of 3 to 5 minutes, if the card is issued immediately prior to effecting a transaction.
  • the magnetic strip may be configured as such that the information therein decays, for example due to thermal effects, or due to the interaction with magnetic fields present in normal commercial environments, within a period of one hour up to 1 or 2 days or more, for example in the context of a relatively short business trip.
  • the magnetic strip may be configured such that the information written therein decays after a relatively long period of time, for example 2 to 4 weeks or more; this would be particularly advantageous in the situation where a card is issued for a vacation or other extended trip, but which is desired to be cancelled or otherwise rendered unusable at the end of the trip.
  • TMC-type magnetic strip is particularly advantageous in the context of MCR 9 to the extent such a receipt is left in the hands of a merchant; hence, the merchant may use MCR 9 for accounting and other administrative purposes, but would be unable to use the card to authorize another transaction once the information contained within the magnetic strip is eroded.
  • Module 3 may be figured to display instructions, prompts, announcements, and the like to permit expanded functionality and flexibility for the user.
  • Module 3 may be configured to disclose a message to the user when it is time to replace or recharge power source 26 (e.g. , batteries) .
  • power source 26 e.g. , batteries
  • Module 3 may be configured to execute various accounting features, for example by storing data pertaining to various transactions so that the status of the various accounts maintained by Module 3 may be conveniently displayed for the user. For example, each time a transaction is closed for a particular account (e.g. , a VISA credit card) , an on-going balance of payments and charges for the user's VISA account may be maintained within RAM 24, such that the user may display his current available credit prior to effecting a transaction with his VISA card.
  • a particular account e.g. , a VISA credit card
  • Module 3 may be adapted to include additional security apparatus, for example including a fingerprint detection circuit, a voice recognition circuit, and other security measures for the purpose of unambiguously identifying an authorized user.
  • additional security apparatus for example including a fingerprint detection circuit, a voice recognition circuit, and other security measures for the purpose of unambiguously identifying an authorized user.

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  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Computer Vision & Pattern Recognition (AREA)
  • Toxicology (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Artificial Intelligence (AREA)
  • Health & Medical Sciences (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Accounting & Taxation (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Electromagnetism (AREA)
  • General Health & Medical Sciences (AREA)
  • Credit Cards Or The Like (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

Un module porte-cartes intelligent (3) est utilisé pour lire des données relatives à un compte, stockées sur une bande magnétique (1) d'une carte (2), lorsque celle-ci est introduite dans le module. Les données contenues dans la carte peuvent être effacées, de sorte que la carte ne puisse être utilisée pour effectuer des transactions. La carte peut entretemps être stockée hors du module. Lorsque la carte doit être utilisée pour effectuer des transactions, les données doivent y être réinscrites. La carte doit à nouveau être introduite dans le module et les données stockées seron t réinscrites sur la bande magnétique dont les données avaient été effacées. En outre, des données contenues dans différentes cartes peuvent être stockées dans la mémoire (24) du module porte-carte, réinscrites sur une carte vierge ou une nouvelle carte, et de nouveau effacées. En conséquence, une seule carte est requise au lieu de plusieurs cartes différentes. Les données stockées dans la mémoire peuvent être lues sur un dispositif d'affichage (11). De nouveaux codes peuvent être inscrits par l'intermédiaire d'un clavier numérique (6). Le module comprend une fente d'entrée/sortie (3, 7), un transducteur acoustique ou un dispositif d'alarme (8), un dispositif de lecture/écriture (27), et un mécanisme d'effacement (30).
EP94908614A 1993-01-18 1994-01-18 Procede et appareil de stockage et de rappel magnetiques d'informations relatives a des transactions par carte de credit Withdrawn EP0680646A1 (fr)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
IL10442293 1993-01-18
IL10442293A IL104422A (en) 1993-01-18 1993-01-18 Method and apparatus for magnetically writing on plastic cards
PCT/US1994/000715 WO1994017498A1 (fr) 1993-01-18 1994-01-18 Procede et appareil de stockage et de rappel magnetiques d'informations relatives a des transactions par carte de credit

Publications (1)

Publication Number Publication Date
EP0680646A1 true EP0680646A1 (fr) 1995-11-08

Family

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Family Applications (1)

Application Number Title Priority Date Filing Date
EP94908614A Withdrawn EP0680646A1 (fr) 1993-01-18 1994-01-18 Procede et appareil de stockage et de rappel magnetiques d'informations relatives a des transactions par carte de credit

Country Status (5)

Country Link
EP (1) EP0680646A1 (fr)
JP (1) JPH08509560A (fr)
CA (1) CA2154158A1 (fr)
IL (1) IL104422A (fr)
WO (1) WO1994017498A1 (fr)

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WO1994017498A1 (fr) 1994-08-04
IL104422A0 (en) 1993-05-13
CA2154158A1 (fr) 1994-08-04
IL104422A (en) 1996-03-31
JPH08509560A (ja) 1996-10-08

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