GB2189741A - Security cards - Google Patents

Security cards Download PDF

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Publication number
GB2189741A
GB2189741A GB08606460A GB8606460A GB2189741A GB 2189741 A GB2189741 A GB 2189741A GB 08606460 A GB08606460 A GB 08606460A GB 8606460 A GB8606460 A GB 8606460A GB 2189741 A GB2189741 A GB 2189741A
Authority
GB
United Kingdom
Prior art keywords
card
display
bank
attachment
circuit
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.)
Granted
Application number
GB08606460A
Other versions
GB8606460D0 (en
GB2189741B (en
Inventor
Reginald Charles David Vint
Robert Francis Need Grazebrook
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Individual filed Critical Individual
Priority to GB8606460A priority Critical patent/GB2189741B/en
Publication of GB8606460D0 publication Critical patent/GB8606460D0/en
Publication of GB2189741A publication Critical patent/GB2189741A/en
Application granted granted Critical
Publication of GB2189741B publication Critical patent/GB2189741B/en
Anticipated expiration legal-status Critical
Expired - Lifetime 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
    • G06K19/005—Record carriers for use with machines and with at least a part designed to carry digital markings the record carrier comprising an arrangement to facilitate insertion into a holding device, e.g. an arrangement that makes the record carrier fit into an etui or a casing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07743—External electrical contacts
    • 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
    • G06K7/0047—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 for reading/sensing record carriers having edge contacts
    • 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
    • G06K7/0056—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 housing of the card connector
    • G06K7/006—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 housing of the card connector the housing being a portable casing
    • 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
    • G06K7/0086—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 the connector comprising a circuit for steering the operations of the card connector
    • 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
    • G06Q20/3415—Cards acting autonomously as pay-media

Landscapes

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

Abstract

A security (e.g. bank) card includes an input keyboard and a code verifying processor (4) whereby the validity of a code input through the keyboard maybe verified, the resulting verification signal being communicable to a separable display attachment 7. The display attachment may incorporate a slot for receiving an edge of the card. The matter may be displayed on a numeric output panel 8, and may be accompanied by audible annunciation from annunciator 10. The card may also bear a lamp 5 which lights up when a code is verified. As described, in one embodiment power for the card processor is furnished by the attachment 7 (which has a battery status indicator 9). <IMAGE>

Description

SPECIFICATION Credit card with demountable symbol display The present invention concerns means for eliminating bank cheque/credit card frauds.
Some bank cheque cards additionally havethe facility of being usable in cash dispensing windows so it is necessary to provide a universal means which will not effect the size or shape of existing type cards.
An object of the present invention is to provide an attachment for use with existing shape/size cards which will provide an identification means and thereby prevent an unauthorized user from obtaining funds from the holder's account.
According to the present invention a bank card is provided with an electronic circuit and keyboard which is adapted to operate an attachment having a display. Preferably the attachment comprises a liquid crystal display powered by solar energy or batteries incorporated therein and is in the form of a bar having a longitudinal groove adapted to receive one edge of the card, a circuit being formed when the card and the attachment are united.
In practice, a card owner can insert his own personal code into the card whereafter it remains unchanged. When it is desired to use the attachment, the card owner presses the required key board combination and this will then appear on the display.
Advantageously, an audible sound is emitted when the correct number is entered. If the incorrect code is inserted, no symbols will appearon the display and if five successive incorrect codes are inserted the ci rcuit will self destruct.
Itwill be notedthatthe display is of particular importance when the card is offered in small retail establishments, restaurants etc. which do not have electronic readers or sophisticated devices for readily checking fraudulent users.
The invention will now be described further, by way of example, with reference to the accompanying drawings, in which Figure lisa front view of a display device attached to a card; Figure2 is a view ofthe card only; and Figure 3 is a block diagram ofthe electronic assembly.
Acard 1 fits into a slot in a displayattachment7 comprising a number displays, a battery status indicator 9 and an audible sound emitter 10. The card 1 has an array of touch sensitive keys 2 for entering a personal identity number, an ENTER key3 and a visual indicator5to showthatthe number is correctly entered. The controlling means in the form of an integrated circuit 4 is connected to the contacts 6and keys 2 and 5through a printed circuit embedded in the card. Power is supplied to the card from the attached device through the contacts 6 of which two are shown in Figure 1. These contacts mate with corresponding contacts in the display attachment 7. Additional contacts may be required for signals between the parts, however two contacts are sufficient if multiplexing techniques are used.
Advantageously, the contact surface materials are made from noble metals or conducting plastics to reduce corrosion.
The block diagram of the electrical components of the bankcard is shown in Figure 3. Lines on the drawing show signalling paths which will be represented in the connecting circuit by a plurality of separate wires. On receiving the card from the bank, the ownerwill plug the card into the display part joining the connections 6. The microcomputer4will start to function the key board 2 and enter key 3 will become sensitised. A microcomputer 11 in the display attachment, will present, on display 8, a prompt to the owner to think of a personal identity number (PIN) which he will enter on keys 2. When it is complete, he will press the enter key. Then display 8will show the card number which was implanted in the microcomputer4 by the bank.The owner may checkthe display contents with the number given to him bythe bank in readable form. Afterthis sequence, the PIN will be held in the microcomputer 11. The programs in the computers are arranged such that a repeat of the PIN entry sequence with the original PIN will cause temporary display of the card number and an audible sound from emitter 10. An incorrect PIN will not cause any sound to be emitted or numberto be displayed.
Conveniently, a preset number of incorrect PINS will cause both parts to cease functioning permanently. Advantageously, a tally lamp 5 on the card will lightnexttotheownersnamewhenthe correct PIN is entered. This will indicatethatthe operation of the units was correct. All signals sent through connections 6 should be encrypted against encryption key numbers held within both computers 4and 1 This would greatly impedefraudulent copying of the bank card. A battery level indicator9 being part of the display will show when the card needs to be renewed or the battery replaced.
In use the card may be validated with the bar attachment on the card without the need of card readers or other devices at the point of sale, orthe bar may be detached from the card so that the card can be inserted into a cash dispenser or other card reading device,whetherthese be designed to read, as at present magnetic strips on a face of the card, or as may be in the future to read information stored within the electronic circuitry of the card.
1. A bank/credit card comprising an electronic circuit and keyboard which is adapted to operate an attachment having a display.
2. Abank/creditcard as claimed in claim 1,in which the attachment comprises a liquid crystal display.
3. A bank/credit card as claimed in claim 2, in which the liquid crystal display is powered by solar energy.
4. A bank/credit card as claimed in claim 2, in which the liquid crystal display is powered by batteries incorporated therein.
5. A bank/credit card as claimed in claim 1,2,3 or 4, in which the attachment is in the form of a bar having a longitudinal groove adapted to receive one edge of the card.
**WARNING** end of DESC field may overlap start of CLMS **.

Claims (9)

**WARNING** start of CLMS field may overlap end of DESC **. SPECIFICATION Credit card with demountable symbol display The present invention concerns means for eliminating bank cheque/credit card frauds. Some bank cheque cards additionally havethe facility of being usable in cash dispensing windows so it is necessary to provide a universal means which will not effect the size or shape of existing type cards. An object of the present invention is to provide an attachment for use with existing shape/size cards which will provide an identification means and thereby prevent an unauthorized user from obtaining funds from the holder's account. According to the present invention a bank card is provided with an electronic circuit and keyboard which is adapted to operate an attachment having a display. Preferably the attachment comprises a liquid crystal display powered by solar energy or batteries incorporated therein and is in the form of a bar having a longitudinal groove adapted to receive one edge of the card, a circuit being formed when the card and the attachment are united. In practice, a card owner can insert his own personal code into the card whereafter it remains unchanged. When it is desired to use the attachment, the card owner presses the required key board combination and this will then appear on the display. Advantageously, an audible sound is emitted when the correct number is entered. If the incorrect code is inserted, no symbols will appearon the display and if five successive incorrect codes are inserted the ci rcuit will self destruct. Itwill be notedthatthe display is of particular importance when the card is offered in small retail establishments, restaurants etc. which do not have electronic readers or sophisticated devices for readily checking fraudulent users. The invention will now be described further, by way of example, with reference to the accompanying drawings, in which Figure lisa front view of a display device attached to a card; Figure2 is a view ofthe card only; and Figure 3 is a block diagram ofthe electronic assembly. Acard 1 fits into a slot in a displayattachment7 comprising a number displays, a battery status indicator 9 and an audible sound emitter 10. The card 1 has an array of touch sensitive keys 2 for entering a personal identity number, an ENTER key3 and a visual indicator5to showthatthe number is correctly entered. The controlling means in the form of an integrated circuit 4 is connected to the contacts 6and keys 2 and 5through a printed circuit embedded in the card. Power is supplied to the card from the attached device through the contacts 6 of which two are shown in Figure 1. These contacts mate with corresponding contacts in the display attachment 7. Additional contacts may be required for signals between the parts, however two contacts are sufficient if multiplexing techniques are used. Advantageously, the contact surface materials are made from noble metals or conducting plastics to reduce corrosion. The block diagram of the electrical components of the bankcard is shown in Figure 3. Lines on the drawing show signalling paths which will be represented in the connecting circuit by a plurality of separate wires. On receiving the card from the bank, the ownerwill plug the card into the display part joining the connections 6. The microcomputer4will start to function the key board 2 and enter key 3 will become sensitised. A microcomputer 11 in the display attachment, will present, on display 8, a prompt to the owner to think of a personal identity number (PIN) which he will enter on keys 2. When it is complete, he will press the enter key. Then display 8will show the card number which was implanted in the microcomputer4 by the bank.The owner may checkthe display contents with the number given to him bythe bank in readable form. Afterthis sequence, the PIN will be held in the microcomputer 11. The programs in the computers are arranged such that a repeat of the PIN entry sequence with the original PIN will cause temporary display of the card number and an audible sound from emitter 10. An incorrect PIN will not cause any sound to be emitted or numberto be displayed. Conveniently, a preset number of incorrect PINS will cause both parts to cease functioning permanently. Advantageously, a tally lamp 5 on the card will lightnexttotheownersnamewhenthe correct PIN is entered. This will indicatethatthe operation of the units was correct. All signals sent through connections 6 should be encrypted against encryption key numbers held within both computers 4and 1 This would greatly impedefraudulent copying of the bank card. A battery level indicator9 being part of the display will show when the card needs to be renewed or the battery replaced. In use the card may be validated with the bar attachment on the card without the need of card readers or other devices at the point of sale, orthe bar may be detached from the card so that the card can be inserted into a cash dispenser or other card reading device,whetherthese be designed to read, as at present magnetic strips on a face of the card, or as may be in the future to read information stored within the electronic circuitry of the card. CLAIMS
1. A bank/credit card comprising an electronic circuit and keyboard which is adapted to operate an attachment having a display.
2. Abank/creditcard as claimed in claim 1,in which the attachment comprises a liquid crystal display.
3. A bank/credit card as claimed in claim 2, in which the liquid crystal display is powered by solar energy.
4. A bank/credit card as claimed in claim 2, in which the liquid crystal display is powered by batteries incorporated therein.
5. A bank/credit card as claimed in claim 1,2,3 or 4, in which the attachment is in the form of a bar having a longitudinal groove adapted to receive one edge of the card.
6. A bank/credit card as claimed in claim 5, in which a circuit is completed when the card and attachment are united.
7. A bank/credit card as claimed in claim 6, in which the circuit includes an audible sound emitter.
8. Abank/creditcard as claimed in claim 6or7, in which the circuit includes a self destruct unit.
9. A bank/credit card comprising an attachment constructed and arranged to operate substantially as herein described with referenceto and as illustrated in the accompanying drawings.
GB8606460A 1986-03-15 1986-03-15 Pocket size bank/credit card Expired - Lifetime GB2189741B (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
GB8606460A GB2189741B (en) 1986-03-15 1986-03-15 Pocket size bank/credit card

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
GB8606460A GB2189741B (en) 1986-03-15 1986-03-15 Pocket size bank/credit card

Publications (3)

Publication Number Publication Date
GB8606460D0 GB8606460D0 (en) 1986-04-23
GB2189741A true GB2189741A (en) 1987-11-04
GB2189741B GB2189741B (en) 1990-06-20

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GB8606460A Expired - Lifetime GB2189741B (en) 1986-03-15 1986-03-15 Pocket size bank/credit card

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GB (1) GB2189741B (en)

Cited By (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0302453A1 (en) * 1987-08-07 1989-02-08 Siemens Nixdorf Informationssysteme Aktiengesellschaft Data exchange system comprising user terminal and IC card
GB2220772A (en) * 1988-07-14 1990-01-17 Unisys Corp Keyboard operated system
EP0456548A1 (en) * 1990-05-10 1991-11-13 Dassault Automatismes Et Telecommunications Device for treating high-security data with two operational states
WO1994023399A1 (en) * 1993-04-01 1994-10-13 Jonhig Limited Reading data from a smart card
US5585787A (en) * 1991-12-09 1996-12-17 Wallerstein; Robert S. Programmable credit card
WO1998055969A1 (en) * 1997-06-05 1998-12-10 Scm Schneider Microsysteme-Microsystemes Schneider Entwicklungs Und Vertriebs Gmbh Sarl Developpement Et Vente Smart card with partial insertion and identifying means
US5955961A (en) * 1991-12-09 1999-09-21 Wallerstein; Robert S. Programmable transaction card
US7403922B1 (en) * 1997-07-28 2008-07-22 Cybersource Corporation Method and apparatus for evaluating fraud risk in an electronic commerce transaction

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4529870A (en) * 1980-03-10 1985-07-16 David Chaum Cryptographic identification, financial transaction, and credential device
EP0174016A2 (en) * 1984-09-07 1986-03-12 Casio Computer Company Limited Identification card and authentication system therefor

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4529870A (en) * 1980-03-10 1985-07-16 David Chaum Cryptographic identification, financial transaction, and credential device
EP0174016A2 (en) * 1984-09-07 1986-03-12 Casio Computer Company Limited Identification card and authentication system therefor

Non-Patent Citations (2)

* Cited by examiner, † Cited by third party
Title
WO 82/03286 *
WO 86/03040 *

Cited By (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0302453A1 (en) * 1987-08-07 1989-02-08 Siemens Nixdorf Informationssysteme Aktiengesellschaft Data exchange system comprising user terminal and IC card
GB2220772A (en) * 1988-07-14 1990-01-17 Unisys Corp Keyboard operated system
EP0456548A1 (en) * 1990-05-10 1991-11-13 Dassault Automatismes Et Telecommunications Device for treating high-security data with two operational states
FR2661998A1 (en) * 1990-05-10 1991-11-15 Dassault Electronique DEVICE FOR PROCESSING HIGH SECURITY DATA WITH TWO OPERATING STATES.
US5585787A (en) * 1991-12-09 1996-12-17 Wallerstein; Robert S. Programmable credit card
US5955961A (en) * 1991-12-09 1999-09-21 Wallerstein; Robert S. Programmable transaction card
WO1994023399A1 (en) * 1993-04-01 1994-10-13 Jonhig Limited Reading data from a smart card
US6237848B1 (en) 1993-04-01 2001-05-29 Mondex International Limited Reading data from a smart card
WO1998055969A1 (en) * 1997-06-05 1998-12-10 Scm Schneider Microsysteme-Microsystemes Schneider Entwicklungs Und Vertriebs Gmbh Sarl Developpement Et Vente Smart card with partial insertion and identifying means
FR2764410A1 (en) * 1997-06-05 1998-12-11 Scm Schneider Microsysteme Mic PARTIAL INSERTION CHIP CARD WITH RECOGNITION MEANS
US6216955B1 (en) 1997-06-05 2001-04-17 Scm Schneider Microsysteme-Microsystemes, Schneider Entwicklungs Und Vertriers Gmbh S.A.R.L. Developpement Et Vente Smart card with partial insertion and identifying means
US7403922B1 (en) * 1997-07-28 2008-07-22 Cybersource Corporation Method and apparatus for evaluating fraud risk in an electronic commerce transaction

Also Published As

Publication number Publication date
GB8606460D0 (en) 1986-04-23
GB2189741B (en) 1990-06-20

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PCNP Patent ceased through non-payment of renewal fee