EP2823436A1 - Dual-interface adapter device - Google Patents
Dual-interface adapter deviceInfo
- Publication number
- EP2823436A1 EP2823436A1 EP20130758647 EP13758647A EP2823436A1 EP 2823436 A1 EP2823436 A1 EP 2823436A1 EP 20130758647 EP20130758647 EP 20130758647 EP 13758647 A EP13758647 A EP 13758647A EP 2823436 A1 EP2823436 A1 EP 2823436A1
- Authority
- EP
- European Patent Office
- Prior art keywords
- interface
- dual
- contactless
- contact
- adapter device
- 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- Withdrawn
Links
Classifications
-
- 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
-
- 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
- G06K7/0013—Methods or arrangements for sensing record carriers, e.g. for reading patterns by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers
-
- 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
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3226—Use of secure elements separate from M-devices
-
- 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
- G06Q20/352—Contactless payments by cards
-
- 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
- G06Q20/353—Payments by cards read by M-devices
-
- 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
- G07F7/0806—Details of the card
- G07F7/0813—Specific details related to card security
- G07F7/0826—Embedded security module
Definitions
- CPPD consumer portable payment device
- Information is exchanged between contactless CPPD and the acceptance terminal in a wireless manner to carry out the payment transaction without requiring direct physical contact between the contactless CPPD and the acceptance terminal.
- a consumer can present the contactless smart card to make a purchase without removing the card from a wallet.
- the consumer does not have to physically provide the card to the merchant, await the merchant to properly read the card through physical means (e.g., insert the card into the acceptance terminal), receive the card back from the merchant, and place the card back into the wallet.
- the purchase can be conducted without any physical exchange of the contactless smart card between the consumer and the merchant. This provides a significant reduction in the amount of time it takes to complete the transaction.
- a dual-interface adapter device that enables a contact-based acceptance terminal to perform a contactless payment transaction
- the dual-interface adapter device comprising: a contact-based card interface insertable into a card slot of the contact-based acceptance terminal to communicate with the contact-based acceptance terminal; a contactless interface, configured to receive power from the contact-based acceptance terminal via the contact-based card interface and to communicate with a contactless consumer portable payment device in a contactless manner; and, an integrated circuit, in communication with the contact-based card interface and the contactless interface and configured to perform cryptographic functions and translation functions.
- the integrated circuit to comprise a secure crypto-processor, and for the secure crypto-processor to enable end-to-end secure communications between the contactless interface and the contact-based card interface.
- the integrated circuit to be a hardware security module, and for the hardware security module to comprise a public processor and a private processor.
- the contactless interface to include a contactless interface component which is capable of transmitting and receiving one or more wireless signals, the wireless signals being emitted from a consumer portable payment device, for the wireless signals to be near field communication (NFC), Bluetooth, Wi-Fi, and/or radio frequency (RF) signals, and for the wireless signals to contain payment credentials.
- a contactless interface component which is capable of transmitting and receiving one or more wireless signals, the wireless signals being emitted from a consumer portable payment device, for the wireless signals to be near field communication (NFC), Bluetooth, Wi-Fi, and/or radio frequency (RF) signals, and for the wireless signals to contain payment credentials.
- NFC near field communication
- RF radio frequency
- a further feature of the invention provides for the wireless signals to be according to the International Standards Organization and International Electrotechnical Commission (ISO/I EC) 14443 standard for contactless integrated circuit cards.
- ISO/I EC International Electrotechnical Commission
- the contactless interface to include a microphone configured to capture a data encoded audio stream, for the data encoded audio stream to be a near sound communication audio stream being emitted from a consumer portable payment device, and for data encoded onto the audio stream to represent payment credentials.
- the contactless interface to be an optical reader interface configured to read optical images held in proximity to the optical reader, the optical images representing payment credentials.
- the optical images to be images generated on a display of a consumer portable payment device; for the images to be text in which case the optical reader interface is configured to perform optical character recognition of the displayed text; for the images to be graphical codes such as two-dimensional barcodes or quick response (QR) codes in which case the optical reader interface is configured to read the graphical codes; or alternatively for the images to be formed from a visible light communication (VLC) modulation scheme, in which case the optical reader interface is configured to receive and decode VLC data streams.
- the optical reader interface to be a digital camera. In one embodiment the digital camera and contact-based card interface are mounted on opposite ends of a single card.
- the digital camera is provided as a separate unit connected to the contact-based card interface by means of a connecting wire.
- the dual-interface adapter device to receive the payment credentials for single use only so that payment credentials do not remain resident on the dual-interface adapter device after use.
- the payment credentials represented by the optical image to be a single-use account number generated by the consumer portable payment device upon request by a user of the consumer portable payment device.
- the invention extends to a system for performing contactless payment transactions, the system comprising: a contact-based acceptance terminal having a card slot; a dual-interface adapter device, wherein the dual-interface adapter device comprises a contact-based card interface insertable into the card slot of the contact- based acceptance terminal and configured to communicate with the contact-based acceptance terminal, a contactless interface, configured to receive power from the contact-based acceptance terminal via the contact-based card interface and to communicate with a contactless consumer portable payment device in a contactless manner, for the dual-interface adapter device to further comprise an integrated circuit, for the integrated circuit to be configured to perform cryptographic functions and translation functions such that payment credentials may be transmitted to the contact-based acceptance terminal.
- the integrated circuit to comprise a secure crypto-processor, and for the secure crypto-processor to enable end-to-end secure communications between the contactless interface and the contact-based card interface.
- the integrated circuit to be a hardware security module and for the hardware security module to comprise a public processor and a private processor.
- the contactless interface to include a contactless interface component which is capable of transmitting and receiving one or more wireless signals, the wireless signals being emitted from a consumer portable payment device, for the wireless signals to be near field communication (NFC), Bluetooth, Wi-Fi, and/or radio frequency (RF) signals, and for the wireless signals to contain payment credentials.
- a contactless interface component which is capable of transmitting and receiving one or more wireless signals, the wireless signals being emitted from a consumer portable payment device, for the wireless signals to be near field communication (NFC), Bluetooth, Wi-Fi, and/or radio frequency (RF) signals, and for the wireless signals to contain payment credentials.
- NFC near field communication
- RF radio frequency
- a further feature of the invention provides for the wireless signals to be according to the International Standards Organization and International Electrotechnical Commission (ISO/I EC) 14443 standard for contactless integrated circuit cards.
- ISO/I EC International Electrotechnical Commission
- the contactless interface include a microphone configured to capture a data encoded audio stream, for the data encoded audio stream to be a near sound communication audio stream being emitted from a consumer portable payment device, and for data encoded onto the audio stream to represent payment credentials.
- the contactless interface to be an optical reader interface configured to read optical images held in proximity to the optical reader, the optical images representing payment credentials.
- the contactless interface to be an optical reader interface configured to read optical images held in proximity to the optical reader, the optical images representing payment credentials.
- the optical images to be images generated on a display of a consumer portable payment device; for the images to be text in which case the optical reader interface is configured to perform optical character recognition of the displayed text; for the images to be graphical codes such as two-dimensional barcodes or quick response (QR) codes in which case the optical reader interface is configured to read the graphical codes; or alternatively for the images to be formed from a visible light communication (VLC) modulation scheme, in which case the optical reader interface is configured to receive and decode VLC data streams.
- VLC visible light communication
- the optical reader interface to be a digital camera.
- the digital camera and contact-based card interface are mounted on opposite ends of a single card.
- the digital camera is provided as a separate unit connected to the contact-based card interface by means of a connecting wire.
- Further features of the invention provide for the dual-interface adapter device to receive the payment credentials for single use only so that payment credentials do not remain resident on the dual-interface adapter device after use.
- Still further features of the invention provide for the payment credentials represented by the optical image to be a single-use account number generated by the consumer portable payment device upon request by a user of the consumer portable payment device.
- the consumer portable payment device to be one of: A mobile phone, a personal digital assistant, a laptop computer, smart card or a tablet computer.
- Fig. 1 illustrates an exemplary dual-interface adapter device according to an embodiment of the invention
- Fig. 2 illustrates another exemplary dual-interface adapter device according to an embodiment of the invention
- FIG. 3 illustrates a contactless interface component according to an embodiment of the invention
- FIG. 4 illustrates a system for performing contactless payment transactions according to an embodiment of the invention
- FIG. 5 illustrates a system for performing a payment transaction according to an embodiment of the invention
- Fig. 6 illustrates a flow diagram of a contactless payment transaction according to an embodiment of the invention
- Fig. 7 illustrates another exemplary dual-interface adapter device according to an embodiment of the invention
- FIG. 8 illustrates another exemplary dual-interface adapter device according to an embodiment of the invention
- Fig. 9 illustrates a system for performing contactless payment transactions making use of a dual-interface adapter device according to embodiments of the invention
- Fig. 10 illustrates a system for performing contactless payment transactions making use of a dual-interface adapter device according to embodiments of the invention
- Fig. 1 1 illustrates a flow diagram of a method for performing a financial transaction using the system of Fig. 9 or Fig. 10;
- Fig. 12 illustrates a system for performing contactless payment transactions making use of a dual-interface adapter device according to embodiments of the invention.
- a dual-interface CPPD has a contactless interface and a contact-based interface, and typically comes in the form of a card.
- the dual-interface CPPD uses the contactless interface to exchange data with a contactless acceptance terminal when such a terminal is available at a merchant location.
- an electromagnetic field emitted by the contactless acceptance terminal energizes and powers the contactless interface of the dual-interface CPPD.
- the contactless interface of the dual-interface CPPD receives power wirelessly from a contactless acceptance terminal.
- Account credentials such as a personal account number (PAN) that is stored and retained in the dual-interface CPPD can then be transmitted to the contactless acceptance terminal along with an exchange of appropriate security protocols to complete the contactless payment transaction.
- PAN personal account number
- the dual-interface CPPD uses the contact-based interface to carry out the transaction by inserting the dual-interface CPPD into the card slot of the contact-based acceptance terminal.
- dual-interface CPPDs may encourage consumers to adopt contactless payment technology, they do not alleviate the costs associated with replacing existing legacy contact-based acceptance terminals with new contactless acceptance terminals.
- embodiments of the present invention provide a dual-interface adapter device that enables an existing legacy contact-based acceptance terminal to conduct contactless payment transactions without replacing the contact-based acceptance terminal.
- the dual-interface adapter device includes a contactless interface to communicate with a contactless consumer portable payment device (CPPD) and a contact-based interface to communicate with the legacy contact-based acceptance terminal.
- CPPD contactless consumer portable payment device
- the physical connection provides sufficient power for contactless interface to communicate with a contactless CPPD.
- contactless CPPDs to take the form of contactless smart cards or mobile devices (e.g. mobile phones).
- Fig. 1 illustrates a block diagram of an exemplary dual-interface adapter device (100) according to embodiments of the invention.
- the dual-interface adapter device (100) is in the form of a card.
- the size of the dual- interface adapter device (100) resembles the size of a payment card to allow the dual-interface adapter device (100) to be insertable into a contact-based acceptance terminal.
- the dual-interface adapter device (100) includes a contactless interface (1 10) that is coupled to a contact-based interface (120).
- the contactless interface (1 10) comprises a contactless interface component (1 15) which may, for example include a microphone, digital camera and/or wireless transmitter and receiver.
- the contactless interface (1 10) may accordingly be configured to receive payment credentials from a contactless CPPD via any one or more of near field communication (NFC), radio frequency identification (RFID), Wi-Fi, global system for mobile communication (GSM), visible light communication (VLC), optical character recognition (OCR), optical barcode scanning and near sound communication (NSC).
- NFC near field communication
- RFID radio frequency identification
- GSM global system for mobile communication
- VLC visible light communication
- OCR optical character recognition
- NSC near sound communication
- Embodiments of the invention provide for the wireless communication between the contactless interface (1 10) of dual-interface adapter device (100) and a contactless CPPD to be according to the International Organization for Standardization and International Electrotechnical Commission (ISO/I EC) 14443 standard.
- ISO/I EC International Electrotechnical Commission
- the contact-based interface (120) is compliant with the Europay-MasterCard-Visa (EMV) specification according to the ISO/I EC 7816 standard.
- EMV Europay-MasterCard-Visa
- the contact-based interface (120) provides eight conductive contact pads C1 -C8 at specific dimensions and locations on the dual-interface adapter device (100) in accordance with the EMV specification.
- the contact-based interface (120) provides a physical contact-based connection between the dual-interface adapter device (100) and the contact-based acceptance terminal when the dual- interface adapter device (100) is inserted into the contact-based acceptance terminal.
- the contact-based interface (120) includes a C1 contact pad that is coupled to the VCC input of the contactless interface component (1 15), a C2 contact pad that is coupled to the RST input of the contactless interface component (1 15), a C3 contact pad that is coupled to the CLK input of the of the contactless interface component (1 15), a C5 contact pad that is coupled to the GND input if the contactless interface component (1 15), and a C7 contact pad that is coupled to the serial data I/O of the contactless interface component (1 15).
- the C7 contact pad is coupled to the serial data I/O of the contactless interface component (1 15) via an integrated circuit (108).
- the contact pads C4, C6, and C8 are not used by the dual-interface adapter device (100), and hence these contact pads can be omitted from the contact-based interface (120) in these embodiments.
- the invention further provides for the dual-interface adapter device (100) to include an integrated circuit (108).
- the integrated circuit (108) may perform auxiliary functions such as cryptographic functions (e.g., encryption, decryption) and translation functions to adapt the serial data I/O signal from the contactless interface (1 10) into character frames to comply with the EMV specification if required.
- cryptographic functions e.g., encryption, decryption
- translation functions e.g., translation functions to adapt the serial data I/O signal from the contactless interface (1 10) into character frames to comply with the EMV specification if required.
- the serial data I/O signal from the contactless interface (1 10) is not directly connected to the C7 contact pad of the contact-based interface (120).
- the serial data I/O signal from the contactless interface (1 10) is first routed to the integrated circuit (108) to allow the integrated circuit (108) to perform any required cryptographic and translation functions on the serial data I/O signal as required by the EMV specification before transmitting the data onto the C7 contact pad to the contact-based acceptance terminal.
- Data sent from the contact-based acceptance terminal also passes through the integrated circuit (108) to allow the integrated circuit (108) to perform cryptographic and translation functions as required before sending the data to the contactless interface (1 10).
- the integrated circuit (108) may receive power (VCC and GND) and a clock signal (CLK) from the C1 , C5 and C3 contact pads respectively.
- the integrated circuit (108) may be any suitable circuit or microprocessor and in a preferred embodiment comprises a secure crypto- processor.
- Such an embodiment accordingly provides for the integrated circuit to be in accordance with those provided in conventional 'chip and pin' or integrated circuit (IC) credit cards. This enables end-to-end secure communications between the contactless interface (1 10) and the contact-based interface (120).
- the integrated circuit (108) to be a hardware security module (HSM) which uses hardware to encrypt and decrypt data instead of solely performing the encryption/decryption in software, and accordingly provides enhanced protection over software encryption technologies.
- HSM hardware security module
- the HSM might be able to provide secure key management to generate cryptographic keys, sets the capabilities and security limits of keys, implement key backup and recovery, prepare keys for storage and performs key revocation and destruction.
- the HSM is implemented as a dual processor device that includes a secure processor with storage and a public processor with storage.
- the two processors may each comprise one or more secure crypto- processors and may be identical to each other.
- the secure processor may be implemented with one or more secure crypto-processors while the public processor may be implemented with one or more processors.
- the HSM may also include a physical or logical separation between interfaces that are used to communicate critical security parameters and other interfaces that are used to communicate other data.
- the HSM can also provide a tamper-proof mechanism that provides a high risk of destroying the HSM and the cryptographic keys stored therein, if any attempt is made to remove or externally access the HSM.
- the HSM according to embodiments of the invention may be compliant with at least a security level 2 of the FIPS 140-2 standard.
- the HSM in embodiments of the invention is compliant with security level 3 or level 4 of FIPS 140-2.
- the HSM is a packaged semiconductor chip that includes both a secure processing unit (SPU) and a public processing unit (PPU) in a single package, but with a logical and physical separation between the SPU and the PPU.
- the SPU and the PPU can be individually packaged semiconductor chips or semiconductor dies that are coupled together to implement the HSM.
- additional components may be present on the dual- interface adapter device (100).
- the dual-interface adapter device (100) may further include a microcontroller that can be used to configure the integrated circuit (108) and/or the contactless interface component (1 15).
- the dual-interface adapter device (100) When the dual-interface adapter device (100) is inserted into a contact- based acceptance terminal, the dual-interface adapter device (100), including its contactless interface (1 10) and integrated circuit (108), draws power from the contact-based acceptance terminal through the C1 (for VCC) and C5 (for GND) contact pads.
- the contact-based acceptance terminal may supply a voltage in the range of 1 V to 6 V to the dual-interface adapter device (100).
- the contactless interface (1 10) draws power from the contact-based acceptance terminal through the physical connection between the dual-interface adapter device (100) and the contact-based acceptance terminal at the C1 and C5 contact pads when the dual-interface adapter device (100) is inserted into the card slot of the contact-based acceptance terminal.
- One advantage of powering the dual-interface adapter device (100) through only a physical connection with the contact-based acceptance terminal is that any transaction data such as account certification and personal account information that may have been temporarily stored in volatile storage elements (i.e.
- the contact-based acceptance terminal provides a clock signal in a range of 1 MHz to 5 MHz to the dual-interface adapter device (100) through the C3 contact pad.
- the clock signal is used by the contact-based interface (120) as a reference clock to transmit and receive transaction data to and from the contact-based acceptance terminal through the serial data I/O signal at the C7 contact pad.
- the transaction data may include transaction information, account credentials and/or personal account information, and are arranged in character frames in accordance with the EMV specification.
- the clock signal may also be used by the contactless interface (1 10) to derive an internal clock frequency that is used by the contactless interface (1 10) to perform contactless communication with a contactless CPPD.
- the contact-based acceptance terminal may also provide a reset signal to the dual-interface adapter device (100) through contact pad C2 to perform a reset of the components in the dual-interface adapter device (100).
- the reset signal may be used, for example, to clear the storage elements in the dual-interface adapter device (100) after each payment transaction to ensure account credentials and personal account information are not retained in the dual-interface adapter device (100) once the payment transaction is complete. This provides an additional security measure to erase any account credentials and personal account information that may have been temporarily stored in the dual-interface adapter device (100) without having to remove the dual-interface adapter device (100) from the contact-based acceptance terminal each time a payment transaction is complete.
- the dual-interface adapter device (100) can be provided to a consumer to enable the consumer to perform a payment transaction with a contact-based acceptance terminal when the consumer has a contactless CPPD such as a mobile phone.
- the dual-interface adapter device (100) and its contactless interface (1 10) is able to communicate with the mobile phone when the dual-interface adapter device (100) is placed in close proximity with the mobile phone.
- Account credentials and personal account information that are stored in the mobile phone can be transferred to and be temporarily stored in the dual-interface adapter device (100).
- the dual-interface adapter device (100) can then be inserted into the contact-based acceptance terminal to perform the payment transaction through the contact-based interface (120).
- the account credentials and personal account information that are temporarily stored in the dual-interface adapter device (100) can be erased by the contact-based acceptance terminal, for example, by asserting the reset signal described above.
- a consumer would load the account credentials and personal account information that are stored in the mobile phone onto the dual- interface adapter device (100) each time a payment transaction is performed.
- the account credentials and personal account information that are temporarily stored on the dual-interface adapter device (100) is automatically erased when a timer on the dual-interface adapter device (100) expires.
- Fig. 2 illustrates a dual-interface adapter device (200) according to a preferred embodiment of the invention in which the contactless interface (210) includes a contactless interface component (215) that is capable of transmitting and receiving one or more wireless signals such as near field communication (NFC), Bluetooth, Wi-Fi, and/or radio frequency (RF) signals.
- NFC near field communication
- RF radio frequency
- the contactless interface component (215) may have at least a supply voltage (VCC) input, a ground (GND) input, a serial data input/output (I/O), a clock (CLK) input, a reset (RST) input, and an antenna (ANT) input(s).
- VCC supply voltage
- GND ground
- I/O serial data input/output
- CLK clock
- RST reset
- ANT antenna
- the contactless interface component (215) may operate with a VCC in a range of 1 .0 Volts (V) to 6.0 V.
- the CLK input to the contactless interface component (215) is used to derive an internal clock signal at a frequency of about 13.56 Megahertz (MHz) for NFC.
- the CLK input to the contactless interface (210) is used to derive an internal clock signal that may have another frequency depending on the type of wireless signal, such as a frequency in a range of 2.4-2.5 GHz for Bluetooth.
- the dual-interface adapter device (200) illustrated in Fig. 2 includes an embedded antenna (230) that is coupled to the ANT input(s) of the contactless interface component (215) to facilitate reception and transmission of the wireless signal.
- the embedded antenna (230) is embedded along the perimeter of the dual-interface adapter device (200).
- the antenna (230) is shown in Fig. 2 to be embedded along the perimeter of the dual-interface adapter device (200), in other embodiments, the embedded antenna (230) may take on other forms or shapes, and may have more than one loop.
- the power provided to the contactless interface (210) of the dual-interface adapter device (200) is sufficient to enable the contactless interface (210) to generate an electromagnetic field to power a contactless CPPD such as a contactless smart card.
- the contactless interface (210) emits a radio frequency (RF) field in accordance with the NFC standard to power a NFC-enabled contactless smart card.
- RF radio frequency
- the RF field emitted by the contactless interface (210) energizes and powers the NFC-enabled contactless smart card to provide the NFC-enabled contactless smart card with power to communicate with the dual-interface adapter device (200).
- the unused contact pads (C4, C6, and C8) may be adapted to provide additional power from the contact-based acceptance terminal to the dual-interface adapter device (200) if the electrical current provided through the single C5 contact pad is insufficient to properly power the dual-interface adapter device (200) and its contactless interface (210).
- power to the dual-interface adapter device (200) and its contactless interface (210) may be provided by a battery or other power source that is in physical contact with the interface adapter device (200).
- Fig. 3 illustrates a block diagram of an exemplary contactless interface component (310) that can be used in a contactless interface of a dual-interface adapter device according to embodiments of the invention.
- the contactless interface component (310) includes a contactless transceiver block (304), a buffer block (306), a serial input/output (I/O) block (309), and a clock control block (302).
- the contactless transceiver block (304) may include a modulator, a demodulator, a decoder, an encoder, an amplifier, and an analog-to-digital converter.
- the contactless transceiver block (304) is coupled to an antenna and can be used to send and receive a wireless signal such as a near field communication (NFC) signal, a Bluetooth signal, a Wi-Fi signal, or other radio frequency (RF) signal.
- a wireless signal such as a near field communication (NFC) signal, a Bluetooth signal, a Wi-Fi signal, or other radio frequency (RF) signal.
- the contactless transceiver block (304) may have the capability to send and receive more than one type of wireless signal and can be configured to send and receive any one of these signals.
- the contactless transceiver block (304) can be configured, for example, by using a signal selection switch on the dual- interface adapter device or a microcontroller coupled to the contactless interface component (310).
- the contactless transceiver block (304) may also scan through the different wireless signal types until a compatible contactless CPPD is discovered, and automatically select the wireless signal type that is compatible with the discovered contactless CPPD.
- the buffer block (306) provides temporary buffering of the data that is being sent between a contactless CPPD and the contact-based acceptance terminal.
- the buffer block (306) compensates for any data rate differences between the contactless interface and the contact-based interface of the dual-interface adapter device.
- the buffer block (306) can be implemented as a first-in- first-out (FIFO) buffer.
- the serial I/O block (309) performs any serialize and de-serialize functions as required, and translates the data format received from buffer block (306) into character frames that is compliant with the EMV specification for transmission to the contact-based acceptance terminal, and vice versa.
- the serial I/O block (309) can also perform additional functions such as parity calculations for inserting parity bits into the character frames.
- the translation function may be performed by a component that is external to the contactless interface component (310).
- the clock control block (302) converts the CLK input signal provided from the contact-based acceptance terminal into an internal clock frequency that is used by the contactless transceiver block (304) according to the type of wireless signal being used.
- the clock control block (302) generates a 13.56 MHz clock signal from the CLK input signal to perform NFC communication with a contactless CPPD.
- the clock control block (302) may have an internal oscillator that is coupled to a clock crystal provided on the dual-interface adapter device to derive the appropriate internal clock frequency as needed depending on the type of wireless signal being used.
- Fig. 4 illustrates a system (400) that uses a contact-based acceptance terminal to perform contactless payment transactions.
- the system (400) includes a contact-based acceptance terminal (410) and a dual-interface adapter device (420) that is inserted into a card slot of the contact-based acceptance terminal (410).
- the contact-based acceptance terminal (410) can be a point-of-sale (POS) terminal or an automated teller machine (ATM).
- the dual-interface adapter device (420) may be any one of the embodiments described above with references to Figs. 1 and 2.
- the contact-based acceptance terminal (410) does not have an integrated contactless interface to communicate with a contactless CPPD.
- the dual-interface adapter device (420) provides the contact-based acceptance terminal (410) with the capability to perform contactless payment transactions.
- the contact-based acceptance terminal (410) powers the dual-interface adapter device (420) through the physical connection in the card slot.
- the dual-interface adapter device (420) emits an electromagnetic field.
- a contactless CPPD such as a contactless smart card (440)
- the electromagnetic field emitted by the dual-interface adapter device (420) energizes the contactless smart card (440) to enable the contactless smart card (440) to perform a payment transaction with the dual-interface adapter device (420) using a wireless signal such as an NFC signal (430).
- the contactless CPPD (440) performs the payment transaction as though the contactless CPPD (440) is communicating with a contactless acceptance terminal.
- the dual-interface adapter device (420) would present itself as a contactless acceptance terminal to the contactless CPPD (440).
- the contactless CPPD (440) then interacts with the dual-interface adapter device (420) according to the contactless payment protocol (which may, for example, be according to the ISO/I EC 14443 standard) to carry out the payment transaction.
- the contactless CPPD (440) communicates with the dual-interface adapter device (420) using a modified contactless process to transfer account credentials and personal account information onto the dual-interface adapter device (420).
- the dual-interface adapter device (420) then relays the account credentials and transaction data between the contactless smart card 440 and the contact-based acceptance terminal (410). From the contact-based acceptance terminal (410) point of view, the transaction is like any other EMV compliant payment transaction.
- the contactless smart device (440) can be moved away from the contact- based acceptance terminal (410) to disengage the communication between the contactless smart card (440) and the dual-interface adapter device (420).
- the dual- interface adapter device (420) can optionally be removed from the contact-base acceptance terminal (410).
- Fig. 5 illustrates a system (500) that uses a contact-based acceptance terminal to perform a payment transaction with a contactless CPPD according to another embodiment.
- the system (500) includes a contact-based acceptance terminal (510) and a dual-interface adapter device (520).
- the contact-based acceptance terminal (510) can be a point-of-sale (POS) terminal or an automated teller machine (ATM).
- the dual-interface adapter device (520) may be any one of the embodiments described above with references to Figs. 1 and 2.
- the contact- based acceptance terminal (510) does not have an integrated contactless interface to communicate with a contactless CPPD. Nevertheless, the dual-interface adapter device (520) according to embodiments of the present invention provides the contact-based acceptance terminal (510) with the capability to perform a payment transaction with a contactless CPPD such as a mobile phone (540).
- the dual-interface adapter device (520) When the dual-interface adapter device (520) is placed in close proximity to the mobile phone (540), account credentials and personal account information are loaded onto and temporarily stored in the dual-interface adapter device (520) using a wireless signal such as a NFC signal (530).
- the dual-interface adapter device (520) can then be inserted into the contact-based acceptance terminal (510) to conduct a payment transaction.
- the dual-interface adapter device (520) then exchanges the account credentials and transaction data with the contact-based acceptance terminal (510). From the contact-based acceptance terminal (510) point of view, the transaction is like any other EMV compliant payment transaction. Once the payment transaction completes, the dual-interface adapter device (520) can be removed from the contact-based acceptance terminal (510).
- Fig. 6 illustrates a flow diagram (600) for performing a contactless payment transaction with a contact-based acceptance terminal according to one embodiment.
- a dual-interface adapter device according to embodiments of the invention is inserted into the contact-based acceptance terminal.
- the dual-interface adapter device discovers that a contactless CPPD is in close proximity.
- the discovery can be performed with any applicable method that is in accordance with techniques used in NFC, Bluetooth, Wi- Fi, or RF communications.
- the dual-interface adapter device may emit an electromagnetic field according to the NFC standard and wait for a response from the contactless CPPD.
- a communication channel is established between the contactless CPPD and the dual-interface adapter device.
- the communication channel can be established using a NFC signal, a Bluetooth signal, a Wi-Fi signal, or other RF signal.
- the dual-interface adapter device acquires account credentials and personal account information from the contactless CPPD.
- the operations of blocks (602) and (604) are performed prior to inserting the dual-interface adapter device into contact-based acceptance terminal.
- the dual-interface adapter device acquires account credentials and personal account information from the contactless CPPD, the dual-interface adapter device performs any decoding, encoding, encryption, decryption, and/or translation of the account credentials and personal account information to comply with the EMV specification.
- the dual-interface adapter device sends the account credentials and personal account information in the proper EMV character frame format to the contact-based acceptance terminal.
- the contact- based acceptance terminal may prompt the contactless CPPD user to enter a personal identification number (PIN) on the keypad of the contact-based acceptance terminal to verify the identity of the user.
- PIN personal identification number
- the dual- interface adapter device receives approval from the contact-based acceptance terminal to proceed with the payment transaction.
- the payment transaction is carried out with the dual-interface adapter device exchanging transaction data between the contact-based acceptance terminal and the contactless CPPD.
- any temporary storage of account credentials or personal account information in the dual-interface adapter device are flushed to ensure no such data is retained in the dual-interface adapter device.
- the flushing operation can be initiated by the contact-based acceptance terminal, for example, by asserting a reset signal.
- Fig. 7 illustrates a block diagram of a dual-interface adapter device (700) according to another embodiment of the invention.
- the dual-interface adapter device (700) illustrated differs from that illustrated in Fig. 2 in that an external antenna (730) that is not embedded into the dual-interface adapter device (700) is provided.
- An external antenna (730) may provide the contactless interface (710) with a longer range, different operating frequency, etc., to communicate with a contactless CPPD because the shape and size of the external antenna (730) is not restricted by the shape and size of the dual-interface adapter device (700). However, the external antenna (730) is still configured in a way such that it does not interfere with the insertion of the dual-interface adapter device (700) into the contact- based acceptance terminal. In other embodiments, the external antenna (730) may take on other forms or shapes, and may have more than one loop.
- the contactless interface (810) of the dual-interface adapter device (800) includes a digital camera (815) which is configured to read optical images that are held in proximity to the digital camera (815).
- the contactless interface (810) may have at least a supply voltage (VCC) input, a ground (GND) input, a serial data input/output (I/O), a clock (CLK) input, and a reset (RST) input.
- the contactless interface (810) may operate with a VCC in a range of 1 .0 Volts (V) to 6.0 V.
- the contactless interface (810) may additionally include a microprocessor which is configured to extract payment credentials from the optical images read by the digital camera (815) and to transmit these to the contact-based card interface (820) via the integrated circuit (808).
- the contactless interface (810) may be provided without a microprocessor, in which case the integrated circuit (808) of the dual-interface adapter device (800) is configured to extract payment credentials from the optical images read by the digital camera (815) and to transmit these to the contact-based card interface (820).
- the digital camera (815) and the contact- based card interface (820) are mounted on opposite ends of the dual-interface adapter device (800).
- the digital camera (815) can read the optical images by taking pictures or film recordings of the optical images that are held in proximity to the digital camera (815).
- the optical images read by the digital camera (815) of the contactless interface (810) may be text, in which case the integrated circuit (808) is configured to extract the payment credentials by means of optical character recognition (OCR).
- the optical images may be graphical codes, such as two-dimensional barcodes or quick response (QR) codes, in which case the integrated circuit (808) is configured to extract the payment credentials from the graphical codes.
- the optical images may comprise visible light communication sequences, for example payment credentials modulated and/or encoded onto sequences of flashing light, which may be achieved by flashing pixels on a display of a mobile phone.
- the integrated circuit (808) may be accordingly configured to decode and/or demodulate such sequences detected by the digital camera (815) so as to extract the payment credentials contained in the visible light communication sequences.
- the contactless interface (810) and/or integrated circuit (808) may be configured to format the payment credentials received at the digital camera (815) into character frames that are compliant with the EMV specification for transmission to the contact-based acceptance terminal and vice versa, and may also provide any encryption or decryption required such that a contact based acceptance terminal views the transaction as an EMV contact based transaction.
- the integrated circuit (808) may be any suitable circuit or microprocessor and in a preferred embodiment comprises a secure crypto-processor. Such an embodiment accordingly provides for the integrated circuit to be in accordance with those provided in conventional 'chip and pin' or integrated circuit (IC) credit cards. This enables end-to-end secure communications between the contactless interface (810) and the contact-based interface (820).
- the integrated circuit (808) may be a hardware security module (HSM) according to embodiments of the invention and in some cases may be implemented as a dual processor device that includes a secure processor with storage and a public processor with storage as described previously in this specification.
- HSM hardware security module
- Fig. 9 illustrates a system (900) for performing contactless payment transactions according to the invention.
- the system comprises a contact-based acceptance terminal (902) and a dual-interface adapter device (904) that is inserted into the card slot of the contact-based acceptance terminal (902).
- the contact-based acceptance terminal (902) may be a point-of-sale (POS) device or an automated teller machine (ATM).
- POS point-of-sale
- ATM automated teller machine
- the system includes a dual-interface adapter device (904) in accordance with the embodiment illustrated in Fig. 8, and the contact-based acceptance terminal is a POS device.
- the contact-based acceptance terminal powers the dual-interface adapter device (904) through the physical connection in the card slot.
- the power derived from the contact-based acceptance terminal is used to power the digital camera (906) of the contactless interface (908).
- the digital camera (906) will read the optical image (910) and transmit the data to the integrated circuit (912).
- the optical image (910) may be an image printed on a voucher card or it can be generated by a contactless CPPD and then displayed on the contactless CPPD.
- the optical image is a quick response (QR) code displayed on a display of a contactless CPPD, which in this case is a mobile phone (914).
- the integrated circuit (912) is configured to extract payment credentials from the optical image (910) and translate these into character frames to comply with the EMV specification, if required, and may also provide any appropriate encryption or decryption of the payment credentials.
- the integrated circuit (912) then transmits the character frames to the contact-based card interface (not shown), and the contact- based acceptance terminal (902) initiates a payment transaction. From a viewpoint of the contact-based acceptance terminal (902), the transaction is like any other EMV compliant payment transaction.
- the mobile phone (914) displaying the optical image can be moved away from the contact-based acceptance terminal (902).
- Fig. 10 illustrates a system (1000) for performing contactless payment transactions.
- the system illustrated in Fig. 10 is similar to the system illustrated in Fig. 9, however, the embodiment illustrated in Fig. 10 includes a dual-interface adapter device (1004) of which the digital camera (1006) is provided as a separate unit.
- the digital camera (1006) is connected to the dual-interface adapter device (1004) by means of a connecting wire (1007).
- the separate unit may have a pedestal or foundation for resting in a specific condition, such as face-up, and may have attachment points for removably fasting it to a surface such as a counter top.
- the optical image is text (1005) which is displayed and read by means of optical character recognition (OCR).
- OCR optical character recognition
- the text (1005) is a single-use number.
- Fig. 1 1 illustrates a flow diagram (1 100) for performing a contactless payment transaction with a contact-based acceptance terminal according to the invention.
- a dual-interface adapter device Prior to performing a contactless payment transaction, a dual-interface adapter device according to embodiments of the invention illustrated in either one of Figs. 9 and 10 is inserted into the card slot of a contact-based acceptance terminal.
- the consumer presents an optical image in close proximity to the digital camera of the dual-interface adapter device.
- the optical image may be displayed on a piece of paper such as a prepaid voucher or it may be generated by a contactless CPPD, such as a mobile phone.
- the optical image must be presented to the dual-interface adapter device in such a way that the digital camera is capable of reading the optical image.
- the digital camera of the dual-interface adapter device reads the presented optical image, and transmits the data to the integrated circuit.
- the image presented is an image representing payment credentials (e.g. a two-dimensional barcode)
- the integrated circuit extracts the payment credentials from the data and if necessary translates the payment credentials into character frames that comply with the EMV specification.
- the microprocessor transmits the data to the contact-based card interface.
- the contact-based card interface transmits the payment credentials in the proper EMV character format to the contact-based acceptance terminal.
- the contact-based acceptance terminal may request the consumer to enter a personal identification number (PIN) on the keypad of the contact-based acceptance terminal to verify the identity of the consumer.
- PIN personal identification number
- the contact-based acceptance terminal initiates the payment transaction in the same way as any other EMV compliant payment transaction. Once the payment transaction has been completed, the optical image can be moved away from the dual-interface adapter device. If the payment credentials are not verified the contact- based acceptance terminal presents a payment failure notification.
- any temporary storage of payment credentials in the dual-interface adapter device are deleted to ensure that no personal account information is retained on the dual- interface adapter device.
- the deleting of any stored information may be initiated from the contact-based acceptance terminal by transmitting a reset signal.
- the dual-interface adapter device may initiate the deleting operation itself, alternatively the dual-interface adapter device may simply be removed from the contact-based acceptance terminal, thereby terminating the power supply and causing all temporarily stored information to be deleted.
- the optical image presented to the dual-interface adapter device may represent a single-use account number, thereby preventing the optical image from being used more than once in which case deleting of the stored information may not be necessary.
- Fig. 12 illustrates yet another embodiment of the invention in which contactless interface includes a microphone component (1225), thereby enabling the dual-interface adapter device (1220) to receive an audio stream (1230) being emitted from a contactless CPPD.
- the audio stream (1230) is a near sound communication (NSC) audio stream having payment credentials encoded therein and the contactless CPPD is a mobile phone (1240).
- NSC near sound communication
- the audio stream (1230) is received by the microphone component (1225) and is decoded by the contactless interface and/or integrated circuit of the dual-interface adapter device (1220) so as to extract the payment credentials.
- the contactless interface may have at least a supply voltage (VCC) input, a ground (GND) input, a serial data input/output (I/O), a clock (CLK) input, and a reset (RST) input.
- VCC supply voltage
- GND ground
- I/O serial data input/output
- CLK clock
- RST reset
- the contactless interface may operate with a VCC in a range of 1 .0 Volts (V) to 6.0 V.
- the contactless interface may include a microprocessor which is configured to extract payment credentials from the audio stream (1230) received by the microphone component (1225) and to transmit these payment credentials to the contact-based card interface via the integrated circuit.
- the contactless interface may be provided without a microprocessor, in which case the integrated circuit of the dual-interface adapter device (1220) is configured to extract payment credentials from the audio stream (1230) and to transmit these to the contact-based interface. The extracted payment credentials are then translated into character frames that comply with the EMV specification and are communicated to the contact based acceptance terminal (1210) via the contact-based interface. From a viewpoint of the contact-based acceptance terminal (1210), the transaction is like any other EMV compliant payment transaction.
- the integrated circuit according to the embodiment illustrated in Fig. 12 may be any suitable circuit or microprocessor and in a preferred embodiment comprises a secure crypto-processor.
- the integrated circuit accordingly provides for the integrated circuit to be in accordance with those provided in conventional 'chip and pin' or integrated circuit (IC) credit cards. This enables end-to-end secure communications between the contactless interface and the contact-based interface.
- the integrated circuit may be a hardware security module (HSM) according to embodiments of the invention and in some cases may be implemented as a dual processor device that includes a secure processor with storage and a public processor with storage.
- HSM hardware security module
- Embodiments of the invention provide for a contactless interface of a dual- interface adapter device to include a contactless interface component, a digital camera and a microphone such that the dual-interface adapter device may be configured to receive payment credentials from a contactless CPPD via any one or more of near field communication (NFC), radio frequency identification (RFID), Wi-Fi, global system for mobile communication (GSM), visible light communication (VLC), optical character recognition (OCR), optical barcode scanning and near sound communication (NSC).
- NFC near field communication
- RFID radio frequency identification
- Wi-Fi global system for mobile communication
- GSM global system for mobile communication
- VLC visible light communication
- OCR optical character recognition
- NSC near sound communication
- legacy contact-based acceptance terminals can be adapted to perform contactless payment transactions with a dual-interface adapter device. Because such a dual-interface adapter device is relatively inexpensive when compared to the cost of replacing a legacy acceptance terminal, the dual-interface adapter device can be provided to merchants at a relatively low cost to encourage a wider adoption of contactless payment technology. Furthermore, the dual-interface adapter device according to embodiments of the invention performs the contactless payment transaction in a secure manner because no account credentials or personal account information are retained on the dual-interface adapter device.
- a software module is implemented with a computer program product comprising a computer-readable medium containing computer program code, which can be executed by a computer processor for performing any or all of the steps, operations, or processes described.
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Abstract
Description
Claims
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PCT/IB2013/051730 WO2013132426A1 (en) | 2012-03-06 | 2013-03-05 | Dual-interface adapter device |
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EP2823436A4 EP2823436A4 (en) | 2015-05-20 |
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EP2908279A1 (en) * | 2014-02-18 | 2015-08-19 | Gemalto SA | Method and system for electronic transaction via a portable accessory |
CN104268753A (en) * | 2014-09-30 | 2015-01-07 | 深圳光启创新技术有限公司 | Photon general card, sound wave general card, and method and system for carrying out payment through photon general card |
CN105512712A (en) * | 2014-10-16 | 2016-04-20 | 金雅拓股份有限公司 | Double-port smart card for loading quantity of prepayment quotas into prepayment meter |
CN104850988B (en) * | 2015-05-08 | 2018-07-17 | 邹骁 | A kind of mobile-payment system, method and relevant device |
FR3038769B1 (en) | 2015-07-10 | 2021-11-12 | Roam Data Inc | ACTIVE PERIPHERAL DEVICE AND ELECTRONIC PAYMENT TERMINAL. |
EP3236405B1 (en) * | 2016-04-21 | 2022-11-02 | IDEMIA France | Selecting an application on a card |
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CA2439128C (en) * | 2001-02-26 | 2012-02-14 | Legic Identsystems Ag | Method for operating non-contact identification media |
US20040159700A1 (en) * | 2001-12-26 | 2004-08-19 | Vivotech, Inc. | Method and apparatus for secure import of information into data aggregation program hosted by personal trusted device |
US7051932B2 (en) * | 2001-12-26 | 2006-05-30 | Vivotech, Inc. | Adaptor for magnetic stripe card reader |
BRPI0409120A (en) * | 2003-04-09 | 2006-03-28 | Gtech Corp | methods for increasing credit on one account, processing transactions and facilitating credit transactions, system for facilitating credit transactions, method for transferring credit between multiple accounts, mobile device, system for facilitating wireless transactions, and method for facilitating non-credit transactions. wires to a lottery account |
US7357309B2 (en) * | 2004-01-16 | 2008-04-15 | Telefonaktiebolaget Lm Ericsson (Publ) | EMV transactions in mobile terminals |
DE102007028100A1 (en) * | 2007-06-19 | 2008-12-24 | Siemens Ag | Adapter device for wireless data communication of contact-afflicted smart card, has contacting unit to approach contact surfaces of smart card |
SI23227A (en) * | 2010-03-10 | 2011-05-31 | Margento R&D D.O.O. | Wireless mobile transaction system and procedure of carrying out transaction with mobile telephone |
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WO2013132426A1 (en) | 2013-09-12 |
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