GB2242769A - Credit and bank cards - Google Patents

Credit and bank cards Download PDF

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Publication number
GB2242769A
GB2242769A GB9007359A GB9007359A GB2242769A GB 2242769 A GB2242769 A GB 2242769A GB 9007359 A GB9007359 A GB 9007359A GB 9007359 A GB9007359 A GB 9007359A GB 2242769 A GB2242769 A GB 2242769A
Authority
GB
United Kingdom
Prior art keywords
signal
card
coded
module
card reader
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
GB9007359A
Other versions
GB2242769B (en
GB9007359D0 (en
Inventor
Nigel Andrew Simon Barnard
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.)
BRANDSYSTEM Ltd
WANDAWATCH Ltd
Original Assignee
BRANDSYSTEM Ltd
WANDAWATCH 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 BRANDSYSTEM Ltd, WANDAWATCH Ltd filed Critical BRANDSYSTEM Ltd
Priority to GB9007359A priority Critical patent/GB2242769B/en
Publication of GB9007359D0 publication Critical patent/GB9007359D0/en
Priority to AU75858/91A priority patent/AU7585891A/en
Priority to PCT/GB1991/000449 priority patent/WO1991015832A1/en
Priority to DE9116497U priority patent/DE9116497U1/en
Priority to DE19914190728 priority patent/DE4190728T1/de
Publication of GB2242769A publication Critical patent/GB2242769A/en
Application granted granted Critical
Publication of GB2242769B publication Critical patent/GB2242769B/en
Anticipated expiration legal-status Critical
Expired - Fee Related 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
    • 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
    • G06Q20/347—Passive cards
    • 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
    • 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
    • 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
    • G07F7/1025—Identification of user by a PIN code
    • G07F7/1075—PIN is checked remotely

Landscapes

  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • General Business, Economics & Management (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Theoretical Computer Science (AREA)
  • Credit Cards Or The Like (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Burglar Alarm Systems (AREA)

Abstract

A card security system comprises a card reader means, a card which includes an identification code capable of being read by said card reader means, and a module which includes a receiver means operably connected to a transmitter means. The transmitter means transmits a coded signal when the receiver means receives a suitable coded signal. In operation when the card is read by the card reader means, the card reader means transmits a coded signal to the receiver of the module. The module then transmits a coded identification signal to the card reader means which compares the coded identification signal with the identification code of the card to indicate whether the identification code and the coded identification signal correlate. The system may then allow a credit card transaction to be carried out depending on whether the code and signal correlate.

Description

CREDIT CARDS AND BANK CARDS This invention relates to credit cards and bank cards.
Credit cards and bank cards such as direct debit "switch" cards, cheque guarantee cards, security access cards, smart cards and the like which will hereinafter be referred to as cards for the purpose of this specification are often stolen or lost. This can cost the user of the card and the bank which issued the card a lot of money due to fraud and theft.
The object of the present invention is to provide a card security system to help alleviate the above mentioned problem.
Thus according to a first aspect of the present invention there is provided a card security system comprising: a card incorporating transmitter means, arranged to transmit a signal up to a limited range, receiver means adapted to receive the signal transmitted by the transmitter means of the card, and an alarm means operably connected to the receiver means, the arrangement being such that if the receiver means does not receive a signal from the transmitter means after a certain time the alarm may be activated.
In use the rightful user of the card will usually, carry the receiver means on his person. If the card is stolen and removed out of range of the receiver means the alarm will activate and indicate to the user that his card is lost or stolen.
The user may then immediately inform the bank which issued his card of his loss and this immediate notification of loss can save the bank a lot of money.
In a preferred embodiment the signal is a coded signal which is transmitted periodically.
Transmitting the signal periodically, for example once every few minutes will conserve the power of the battery or the like powering the transmitter. Coding the signal may prevent the alarm being suppressed by random transmissions from similar devices or other sources of transmissions.
The signal may be a radio, ultrasonic or infra-red signal. A radio signal is preferred as radio signals can pass easily through clothing and most other objects.
In a second aspect of the present invention there is provided a card security system comprising a card reader means; a card including an identification code capable of being read by said card reader means; and a module including receiver means operably connected to a transmitter means, the transmitter means, being arranged to transmit a coded signal when the receiver means receives a suitable coded signal, the arrangement being such that when the card is read by the card reader means, the card reader means transmits a signal to the receiver means which receiver means then transmits a coded identification signal to the card reader which is arranged to compare the coded identification signal with the identification code and indicate whether the code and signal correlate.
In a preferred embodiment the card reader incorporates alarm means which are activated if the identification code does not correlate with the identification code on the card or if no identification code signal is received by the card reader.
The card may include two identification codes one of which is incorporated in the signal sent to the module, to activate the module.
A system may be provided which incorporates both first and second aspects of the present invention.
A specific embodiment of the present invention will now be described, by way of example only.
A credit card security system includes a credit card, a module and a card reader.
The credit card incorporates a low power radio transmitter arranged to transmit periodically a low power coded radio signal and first and second identification codes and data such as authorised user account number, carried on magnetic strips. The second identification code carries information such as the user account number.
The module is adapted to be carried by the authorised user of the card and incorporates a radio receiver operably connected to an audible alarm arranged to be activated if no signal is received by the radio receiver and a radio transmitter.
The card reader incorporates an alarm, a radio receiver and a radio transmitter. It is capable of reading the two identification codes carried by the magnetic stripes on the card.
In use the authorised user of the card carries both the module and the credit card separately on his/her person. If the credit card is stolen the alarm is activated when the transmitter on the card moves out of range of the receiver in the module. This warns the user that their card has been stolen.
Further, when the authorised user or anyone else attempts to make a purchase with the credit card the credit card reader is used to read the codes on the card. On reading the codes the reader transmits the second identification code to the receiver in the module which in turn on receipt of this coded signal is arranged to transmit an authorisation code back to the card reader. The card reader then reads the authorisation code compares it with the first identification code and if no authorisation code is received or if the first identification code and authorisation code do not match the alarm is activated.
This system provides a secure method of preventing unauthorised use of credit cards. Lost or stolen cards would be useless to anyone who did not also have the module.
The system could be extended to direct debit cards, security access cards, cheque cards and the like.

Claims (7)

1. A card security system, comprising: a card reader means; a card including an identification code capable of being read by said card reader means; and a module including a receiver means operably connected to a transmitter means, the transmitter means being arranged to transmit a coded signal when the receiver means receives a suitable coded signal, the arrangement being such that when the card is read by the card reader means, the card reader means transmites a coded signal to the receiver means of the module which module then transmites a coded identification signal to the card reader means which is arranged to compare the coded identification signal with the identification code of the card and to indicate whether the identification code and the coded identification signal correlate.
2. A card security system as claimed in claim 1, wherein the card reader means incorporates alarm means which are activated if the coded identification signal does not correlate with the identification code of the card or if no coded identification signal is received by the card reader means.
3. A system as claimed in claim 1 or claim 2 wherein the card includes two identification codes, one of which is incorporated in the signal sent to the module to activate the module.
4. A system as claimed in any preceding claim wherein the card incorporates a further transmitter means which are arranged to transmit a signal up to a limited range and wherein the module includes an alarm operably connected to the receiver means of the module, the arrangement being such that the receiver means does not receive the signal from the transmitter means after a certain time the alarm of the module may be activated.
5. A system as claimed in claim 4 wherein the signal is a coded signal which is transmitted periodically.
6. A system as claimed in claim 5 or claim 6 wherein the coded signal is a radio signal, ultrasonic signal or infra-red signal.
7. A system substantially are hereinbefore described.
GB9007359A 1990-04-02 1990-04-02 Card security systems Expired - Fee Related GB2242769B (en)

Priority Applications (5)

Application Number Priority Date Filing Date Title
GB9007359A GB2242769B (en) 1990-04-02 1990-04-02 Card security systems
AU75858/91A AU7585891A (en) 1990-04-02 1991-03-26 Card security system
PCT/GB1991/000449 WO1991015832A1 (en) 1990-04-02 1991-03-26 Card security system
DE9116497U DE9116497U1 (en) 1990-04-02 1991-03-26 Card security system
DE19914190728 DE4190728T1 (en) 1990-04-02 1991-03-26

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
GB9007359A GB2242769B (en) 1990-04-02 1990-04-02 Card security systems

Publications (3)

Publication Number Publication Date
GB9007359D0 GB9007359D0 (en) 1990-05-30
GB2242769A true GB2242769A (en) 1991-10-09
GB2242769B GB2242769B (en) 1994-02-09

Family

ID=10673711

Family Applications (1)

Application Number Title Priority Date Filing Date
GB9007359A Expired - Fee Related GB2242769B (en) 1990-04-02 1990-04-02 Card security systems

Country Status (4)

Country Link
AU (1) AU7585891A (en)
DE (2) DE9116497U1 (en)
GB (1) GB2242769B (en)
WO (1) WO1991015832A1 (en)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2277183A (en) * 1993-03-31 1994-10-19 Oxley Dev Co Ltd Security device
GB2281991A (en) * 1993-09-10 1995-03-22 Icl Systems Ab Authentication
GB2427734A (en) * 2006-04-11 2007-01-03 Dennis Mervyn Coombe A verification arrangement

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP4095680B2 (en) * 1994-08-01 2008-06-04 富士通株式会社 Security management method for card type storage device and card type storage device

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2469760A1 (en) * 1979-11-09 1981-05-22 Cii Honeywell Bull METHOD AND SYSTEM FOR IDENTIFYING PEOPLE REQUESTING ACCESS TO CERTAIN MEDIA
US4630201A (en) * 1984-02-14 1986-12-16 International Security Note & Computer Corporation On-line and off-line transaction security system using a code generated from a transaction parameter and a random number
GB8525161D0 (en) * 1985-10-11 1985-11-13 Blackwell V C Personalised identification device
ZA892976B (en) * 1988-04-22 1990-12-28 Magellan Corp Australia Token and payment system

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2277183A (en) * 1993-03-31 1994-10-19 Oxley Dev Co Ltd Security device
GB2281991A (en) * 1993-09-10 1995-03-22 Icl Systems Ab Authentication
GB2427734A (en) * 2006-04-11 2007-01-03 Dennis Mervyn Coombe A verification arrangement

Also Published As

Publication number Publication date
DE9116497U1 (en) 1993-04-08
DE4190728T1 (en) 1993-06-03
GB2242769B (en) 1994-02-09
WO1991015832A1 (en) 1991-10-17
GB9007359D0 (en) 1990-05-30
AU7585891A (en) 1991-10-30

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Legal Events

Date Code Title Description
PCNP Patent ceased through non-payment of renewal fee

Effective date: 19940509