GB2275654A - Smart card with LCD and energy store for receiving external power - Google Patents

Smart card with LCD and energy store for receiving external power Download PDF

Info

Publication number
GB2275654A
GB2275654A GB9304408A GB9304408A GB2275654A GB 2275654 A GB2275654 A GB 2275654A GB 9304408 A GB9304408 A GB 9304408A GB 9304408 A GB9304408 A GB 9304408A GB 2275654 A GB2275654 A GB 2275654A
Authority
GB
United Kingdom
Prior art keywords
display
smart card
data memory
accessing apparatus
card
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
GB9304408A
Other versions
GB2275654B (en
GB9304408D0 (en
Inventor
Martin Robert Pollock
John Andrew Jackson
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.)
Landis and Gyr Energy Management UK Ltd
Landis and Gyr Utilities Services Inc
Original Assignee
Landis and Gyr Energy Management UK Ltd
Landis and Gyr Utilities Services Inc
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 Landis and Gyr Energy Management UK Ltd, Landis and Gyr Utilities Services Inc filed Critical Landis and Gyr Energy Management UK Ltd
Priority to GB9304408A priority Critical patent/GB2275654B/en
Publication of GB9304408D0 publication Critical patent/GB9304408D0/en
Publication of GB2275654A publication Critical patent/GB2275654A/en
Application granted granted Critical
Publication of GB2275654B publication Critical patent/GB2275654B/en
Anticipated expiration legal-status Critical
Application status is Expired - Fee Related legal-status Critical

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06KRECOGNITION OF DATA; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06Record 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
    • G06K19/067Record 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
    • G06K19/07Record 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
    • G06K19/077Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07701Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction
    • G06K19/07703Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being visual
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06KRECOGNITION OF DATA; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06Record 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
    • G06K19/067Record 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
    • G06K19/07Record 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

Abstract

A smart card (100) comprises an electronic data memory (110); an interface unit (160) connected to the data memory, to allow access to the data memory by an external card accessing apparatus (170); and a liquid crystal display (120) operable to display information indicative of the contents of the data memory. The display (120) is powered externally by the card accessing apparatus (170), an energy store (150) e.g. a capacitor, being provided to power the display after interaction with the apparatus (170) has finished. <IMAGE>

Description

SMART CARD This invention relates to smart cards.

Smart cards are small electronic devices comprising an electronic data memory, the contents of which may be modified by an external card accessing device. They are increasingly being used in place of more traditional transaction cards (e.g. credit or identification cards) in which data are recorded on a magnetic strip.

Smart cards are generally similar in size to standard credit cards (approximately 85 x 55 mm). Although smart cards may be more expensive to manufacture than cards employing magnetic strips, they do offer a number of recognised advantages over such cards. These advantages relate to the additional data storage capacity achieved by using electronic memories rather than magnetic recording, and to the fact that the cards can include active data processing elements in addition to the data storage functions provided by the data memory.

In order to perform a transaction such as an electronic payment, a smart card must interact with a separate card accessing apparatus so that the accessing apparatus may read the contents of the data memory held on the card. A connection between the smart card and the card accessing apparatus may be made through complementary sets of electrical contacts mounted on the smart card and the apparatus, or through complementary induction coils housed in the smart card and the apparatus. In either case, the connection may also be employed to provide power to the smart card for the duration of the transaction.

Information relating to the transaction (such as the amount of the payment, a cash balance held on the card and card identification data) may be displayed on the card reading apparatus while the transaction is being performed.

This invention provides a smart card comprising: an electronic data memory; an interface means connected to the data memory. to allow access to the data memory by an external card accessing apparatus; and a data display operable to display information indicative of the contents of the data memory.

A smart card according to the invention incorporates a data display operable to display information indicative of the data held by the card. This means that the user is able to ascertain the contents of the data memory in between transactions involving the smart card.

For example, if the data memory stores a cash balance (or the equivalent) for use in a cashless payment system, the data display may be used to indicate the remaining cash balance at various times between successive transactions.

Preferably the interface means comprises means cooperable with a card accessing apparatus for receiving electrical energy from the card accessing apparatus to power the display. This avoids the need to provide a power source (such as a battery) on the smart card in order to power the display.

In one preferred embodiment, in order that the information may be displayed for longer than the duration of a transaction, the smart card comprises means for storing electrical energy received from the card accessing apparatus. This may be achieved by employing means for activating the display to display the information for a predetermined time. Preferably, to avoid the need to provide user-operated controls on the smart card itself, the means for activating is responsive to an access to the data memory by a card accessing apparatus.

Preferably the display comprises one or more permanent legends.

in order to increase the intelligibility of the displayed information.

It is preferred that the display comprises a liquid crystal display, because of the particularly low power consumption of this family of displays. A preferred type of liquid crystal display is the so-called twisted nematic liquid crystal display.

In another preferred embodiment, the display is driven to display the information by an electrical display signal and continues to display that information after removal of the display signal. The use of a bistable display of this type means that the information indicative of the contents of the data memory (for example, a cash balance or a number of payment units remaining) may displayed at all times between successive transactions. Various displays, such as socalled ferro-electric displays, could be used in this way; however, in a preferred embodiment the display comprises a smectic liquid crystal display.

Although the interface means may comprise complementary induction coils housed in the smart card and the card accessing apparatus, in an advantageously simple embodiment the interface means comprises a plurality of electrical contacts mounted on the smart card, for cooperating with complementary contacts mounted on a card accessing apparatus.

In order that active data processing operations may be performed by the smart card, it is preferred that the smart card comprises a data processor connected to the interface means, the data memory and the display.

Preferably the data memory is operable to store data relating to financial transactions; and the display is operable to display information relating to a most recent one of the financial transactions.

Viewed from a second aspect this invention provides a smart card comprising: an electronic data memory; an interface means connected to the data memory, to allow access to the data memory by an external card accessing apparatus, the interface means comprising means cooperable with a card accessing apparatus for receiving electrical energy from the card accessing apparatus; and means for storing electrical energy received from the card accessing apparatus.

The invention will now be described by way of example with reference to the accompanying drawing, in which: Figure 1 is a schematic block diagram of a smart card according to the invention.

Referring now to Figure 1, a smart card 100 comprises a data memory 110, a liquid crystal (LCD) data display 120, a display driver 130, a data processor 140 such as a microprocessor or an applicationspecific integrated circuit (ASIC), an energy store 150 and an interface unit 160.

The smart card 100 is formed as a thin rectangular plastics card conforming to a standard size of 85 mm long, 55 mm wide and about 1 to 5 mm thick. The data memory 110, the display driver and the data processor 140 are fabricated as a single integrated circuit housed within the plastics card.

One function of the interface unit 160 is to provide a data interface between the data memory 110 and an external card accessing apparatus 170 (e.g. a card reader). In order to establish such an interface, an electrical connection between the interface unit 160 and the card accessing apparatus 170 is required. In the present embodiment, this is achieved by forming a physical connection between a number of electrical contacts on the smart card and complementary contacts on the card accessing apparatus 170. In this case, the physical connection can be formed reliably by placing the smart card into a card-receiving slot on the card accessing apparatus.

The interface unit 160 also provides a power supply connection between the smart card and the card accessing apparatus. This means that the electronic circuitry contained within the smart card can be powered by a power source in the accessing apparatus for the time in which the accessing apparatus is interacting with the smart card. This avoids the need to provide a power source (such as a battery) in the smart card itself, but requires that the data memory 110 is a nonvolatile random access memory (i.e. the contents of the data memory are not lost when power is removed from the memory).

When a power supply connection is established between the interface unit 160 and the card accessing apparatus 170, electrical energy is stored in the energy store 150 (e.g. a capacitor). As described below, the stored electrical energy is used to power the data display 120 after the interaction between the smart card 100 and the card accessing apparatus has finished.

An alternative type of connection between the interface unit and the card accessing apparatus may be provided by complementary induction coils housed within the smart card and the accessing apparatus. Data and power can be transmitted between the complementary coils by electromagnetic induction. This system avoids the requirement of physical contact between the smart card and the accessing apparatus, at the expense of a more complicated interface unit.

The data memory 110 stores data relating to, for example, financial transactions or security identification, depending on the particular application of the card. For example, a smart card in which the data memory 110 stores data representing a cash balance can be used as part of a cashless payment system. When a payment is to be made, the smart card is first connected to a card accessing apparatus by means of the interface unit 160. The card accessing apparatus then makes various security checks before reading the current cash balance held in the data memory 110, deducting the amount of the payment from that balance, and finally writing the modified balance back into the data memory 110.

The data display 120 displays information indicative of the contents of the data memory 110. This information may be, for example, a current cash balance held by the data memory 110, the amount of the most recent payment made using the smart card (i.e. reflecting the most recent change to the contents of the data memory, and acting as an electronic receipt for the transaction), security authorisation information or the like. The display driver 130 is activated at the start of a transaction in which the card accessing unit reads from or writes to the data memory 110, and remains activated for a predetermined period after termination of that transaction. During the predetermined period after the end of the transaction, the data display 120 is powered by the electrical energy stored in the energy store 150 during the transaction.A suitable type of display device for use in this embodiment is the so-called twisted nematic liquid crystal display. In order to increase the intelligibility of the displayed information, the data display may be annotated with permanent legends such as the words "current balance".

In an alternative embodiment, a bistable liquid crystal display is employed, such as a ferro-electric or smectic liquid crystal display. The data display is driven by the display driver 130 to display certain information while the transaction is taking place, and then continues to display that information after power has been removed. This type of display can therefore be used to provide a constant indication of the state of the data memory 110 (e.g. the remaining cash balance held by the card).

Smart cards according to the embodiments described above have potential uses in a number of commercial fields, such as: Gaming and promotions; Banking, credit and financial transactions; Receipting of electronic payments; Misuse, fraud and tamper evidence; Information validation and/or control; Advertising; and Security access control.

Claims (15)

1. A smart card comprising: an electronic data memory; an interface means connected to the data memory, to allow access to the data memory by an external card accessing apparatus; and a data display operable to display information indicative of the contents of the data memory.
2. A smart card according to claim 1, in which the interface means comprises means cooperable with a card accessing apparatus for receiving electrical energy from the card accessing apparatus to power the display.
3. A smart card according to claim 2, comprising means for storing electrical energy received from the card accessing apparatus.
4. A smart card according to any one of the preceding claims, comprising means for activating the display to display the information for a predetermined time.
5. A smart card according to claim 4, in which the means for activating is responsive to an access to the data memory by a card accessing apparatus.
6. A smart card according to any one of the preceding claims, in which the display comprises one or more permanent legends.
7. A smart card according to any one of the preceding claims, in which the display comprises a liquid crystal display.
8. A smart card according to claim 7, in which the display comprises a twisted nematic liquid crystal display.
9. A smart card according to any one of claims 1 to 3, in which the display is driven to display the information by an electrical display signal and continues to display that information after removal of the display signal.
10. A smart card according to claim 7 and claim 9, in which the display comprises a smectic liquid crystal display.
11. A smart card according to any one of the preceding claims, in which the interface means comprises a plurality of electrical contacts mounted on the smart card, for cooperating with complementary contacts mounted on a card accessing apparatus.
12. A smart card according to any one of the preceding claims, comprising a data processor connected to the interface means, the data memory and the display.
13. A smart card according to any one of the preceding claims, in which: the data memory is operable to store data relating to financial transactions; and the display is operable to display information relating to a most recent one of the financial transactions.
14. A smart card comprising: an electronic data memory; an interface means connected to the data memory, to allow access to the data memory by an external card accessing apparatus, the interface means comprising means cooperable with a card accessing apparatus for receiving electrical energy from the card accessing apparatus; and means for storing electrical energy received from the card accessing apparatus.
15. A smart card substantially as hereinbefore described with reference to the accompanying drawings.
GB9304408A 1993-03-04 1993-03-04 Smart card Expired - Fee Related GB2275654B (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
GB9304408A GB2275654B (en) 1993-03-04 1993-03-04 Smart card

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
GB9304408A GB2275654B (en) 1993-03-04 1993-03-04 Smart card
AU61127/94A AU6112794A (en) 1993-03-04 1994-02-25 Smart card
PCT/GB1994/000376 WO1994020929A1 (en) 1993-03-04 1994-02-25 Smart card

Publications (3)

Publication Number Publication Date
GB9304408D0 GB9304408D0 (en) 1993-04-21
GB2275654A true GB2275654A (en) 1994-09-07
GB2275654B GB2275654B (en) 1996-11-13

Family

ID=10731453

Family Applications (1)

Application Number Title Priority Date Filing Date
GB9304408A Expired - Fee Related GB2275654B (en) 1993-03-04 1993-03-04 Smart card

Country Status (3)

Country Link
AU (1) AU6112794A (en)
GB (1) GB2275654B (en)
WO (1) WO1994020929A1 (en)

Cited By (47)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2333494A (en) * 1998-01-27 1999-07-28 Ibm Smart card for electronic cash transactions having ferroelectric LCD
EP0940770A2 (en) * 1998-03-06 1999-09-08 Deutsche Telekom AG Chip card, especially credit balances recording card
WO2000001100A1 (en) * 1998-06-26 2000-01-06 Ascom Nordic A/S An apparatus and method for secure information processing
WO2000026868A1 (en) * 1998-10-30 2000-05-11 Koninklijke Philips Electronics N.V. Data carrier with protection against spy out
EP1068565A2 (en) * 1999-01-11 2001-01-17 Fortress U &amp; T Ltd. Acceleration and security enhancements for elliptic curve and rsa coprocessors
WO2001061657A1 (en) * 2000-02-18 2001-08-23 Cypak Ab Method and device for identification and authentication
WO2002050643A1 (en) * 2000-12-19 2002-06-27 Cypak Ab Secure digital signing of data
GB2382172A (en) * 2001-11-16 2003-05-21 Rue De Int Ltd Software authentication device
US6619553B1 (en) 1999-03-01 2003-09-16 Optiva, Inc. Interactive smart card and method of its fabrication
WO2004049248A1 (en) 2002-11-22 2004-06-10 Sony Corporation Non-contact ic card
GB2396330A (en) * 2002-12-20 2004-06-23 Motorola Inc Secure smartcard system with user authentication
WO2005098764A1 (en) * 2004-04-07 2005-10-20 Giesecke & Devrient Gmbh Data support with tan-generator and display
WO2006072855A2 (en) * 2005-01-04 2006-07-13 Koninklijke Philips Electronics N.V. Card with input elements for entering a pin code and method of entering a pin code
US7251501B2 (en) * 2001-03-07 2007-07-31 Halpern John W Mobile phone communications system with increased functionality
US7349866B2 (en) * 2001-08-13 2008-03-25 Jpmorgan Chase Bank, N.A. System and method for funding a collective account by use of an electronic tag
WO2009043385A1 (en) * 2007-10-05 2009-04-09 Nokia Corporation Presentation of visual information
US7660763B1 (en) 1998-11-17 2010-02-09 Jpmorgan Chase Bank, N.A. Customer activated multi-value (CAM) card
US7676425B1 (en) 2002-07-29 2010-03-09 Jpmorgan Chase Bank, N.A. Method and system for providing flexible financing
US7676429B2 (en) 1999-06-04 2010-03-09 Jpmorgan Chase Bank, N.A. Credit instrument and system providing multiple services including access to credit services and access to a service provider club
US7707111B2 (en) 1998-11-17 2010-04-27 Jpmorgan Chase Bank, N.A. Customer activated multi-value (CAM) card
US7747463B1 (en) 1998-06-22 2010-06-29 Jpmorgan Chase Bank, N.A. Debit purchasing of stored value card for use by and/or delivery to others
US7753259B1 (en) 2006-04-13 2010-07-13 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
US7784682B2 (en) 2006-02-08 2010-08-31 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
US7801816B2 (en) 2001-05-23 2010-09-21 Jp Morgan Chase Bank, N.A. System and method for currency selectable stored value instrument
US7805368B2 (en) 1998-06-22 2010-09-28 Jpmorgan Chase Bank, N.A. Debit purchasing of stored value card for use by and/or delivery to others
US7809641B2 (en) 2001-07-26 2010-10-05 Jpmorgan Chase Bank, National Association System and method for funding a collective account
US7809595B2 (en) 2002-09-17 2010-10-05 Jpmorgan Chase Bank, Na System and method for managing risks associated with outside service providers
US7860789B2 (en) 2001-07-24 2010-12-28 Jpmorgan Chase Bank, N.A. Multiple account advanced payment card and method of routing card transactions
US7899753B1 (en) 2002-03-25 2011-03-01 Jpmorgan Chase Bank, N.A Systems and methods for time variable financial authentication
US7941355B1 (en) 2005-05-27 2011-05-10 Jpmorgan Chase Bank, N.A. Universal payment protection
US7953663B1 (en) 2003-09-04 2011-05-31 Jpmorgan Chase Bank, N.A. System and method for financial instrument pre-qualification and offering
US8020754B2 (en) 2001-08-13 2011-09-20 Jpmorgan Chase Bank, N.A. System and method for funding a collective account by use of an electronic tag
US8033451B2 (en) 2001-08-13 2011-10-11 Jpmorgan Chase Bank, National Association System and method for funding a collective account by use of an electronic tag
US8145549B2 (en) 2003-05-30 2012-03-27 Jpmorgan Chase Bank, N.A. System and method for offering risk-based interest rates in a credit instutment
US8239323B2 (en) 2003-09-23 2012-08-07 Jpmorgan Chase Bank, N.A. Method and system for distribution of unactivated bank account cards
US8408455B1 (en) 2006-02-08 2013-04-02 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
US8417601B1 (en) 2007-10-18 2013-04-09 Jpmorgan Chase Bank, N.A. Variable rate payment card
US8533111B1 (en) 2004-08-03 2013-09-10 Jpmorgan Chase Bank, N.A. System and method for providing promotional pricing
US8630898B1 (en) 2005-02-22 2014-01-14 Jpmorgan Chase Bank, N.A. Stored value card provided with merchandise as rebate
US8676642B1 (en) 2007-07-05 2014-03-18 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to financial account holders
US8700529B2 (en) 2000-02-23 2014-04-15 Jpmorgan Chase Bank, N.A. Mutual fund card method and system
US8719085B2 (en) 2001-01-18 2014-05-06 Jpmorgan Chase Bank, N.A. System and method for administering a brokerage rebate card program
US8751391B2 (en) 2002-03-29 2014-06-10 Jpmorgan Chase Bank, N.A. System and process for performing purchase transactions using tokens
US8781905B2 (en) 2000-08-01 2014-07-15 Jpmorgan Chase Bank, N.A. System and method for transponder-enabled account transactions
US8793160B2 (en) 1999-12-07 2014-07-29 Steve Sorem System and method for processing transactions
US8800857B1 (en) 2001-08-13 2014-08-12 Jpmorgan Chase Bank, N.A. System and method for crediting loyalty program points and providing loyalty rewards by use of an electronic tag
US9990642B2 (en) 2002-10-11 2018-06-05 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to credit account holders

Families Citing this family (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6297789B2 (en) 1998-07-09 2001-10-02 Tyco Electronics Corporation Integrated circuit card with liquid crystal display for viewing at least a portion of the information stored in the card
WO2001004832A1 (en) * 1999-07-12 2001-01-18 Cardsoft International Pty Limited Bankcard or note with display
US7756896B1 (en) 2002-03-11 2010-07-13 Jp Morgan Chase Bank System and method for multi-dimensional risk analysis
WO2009063386A1 (en) 2007-11-12 2009-05-22 Nxp B.V. Chip card comprising a display
WO2009063385A1 (en) 2007-11-12 2009-05-22 Nxp B.V. Chip card comprising a display
CN101918952B (en) 2007-11-14 2013-09-11 Nxp股份有限公司 Electronic system and method of operating an electronic system

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4701601A (en) * 1985-04-26 1987-10-20 Visa International Service Association Transaction card with magnetic stripe emulator
US4827111A (en) * 1986-04-08 1989-05-02 Casio Computer Co., Ltd. Intelligent-type IC card containing IC circuit and battery

Family Cites Families (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2067467B (en) * 1980-01-11 1983-09-28 Beaumont D E Transaction card device having an electrical operated circuit
GB2092353B (en) * 1981-01-30 1984-05-31 Halpern John Wolfgang Token
DE3140743C2 (en) * 1981-10-14 1986-09-25 Licentia Patent-Verwaltungs-Gmbh, 6000 Frankfurt, De
US4746787A (en) * 1984-07-20 1988-05-24 Oki Electric Industry Co., Ltd. IC card with display and card recording and reading device
JPS62102379A (en) * 1985-10-29 1987-05-12 Casio Comput Co Ltd Ic card system
JPS62239286A (en) * 1986-04-10 1987-10-20 Mitsubishi Electric Corp Ic card system
FR2616941A1 (en) * 1987-06-22 1988-12-23 Photowatt Int Credit card type electronic card

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4701601A (en) * 1985-04-26 1987-10-20 Visa International Service Association Transaction card with magnetic stripe emulator
US4827111A (en) * 1986-04-08 1989-05-02 Casio Computer Co., Ltd. Intelligent-type IC card containing IC circuit and battery

Cited By (75)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2333494A (en) * 1998-01-27 1999-07-28 Ibm Smart card for electronic cash transactions having ferroelectric LCD
EP0940770A2 (en) * 1998-03-06 1999-09-08 Deutsche Telekom AG Chip card, especially credit balances recording card
EP0940770A3 (en) * 1998-03-06 2000-08-30 Deutsche Telekom AG Chip card, especially credit balances recording card
US7805368B2 (en) 1998-06-22 2010-09-28 Jpmorgan Chase Bank, N.A. Debit purchasing of stored value card for use by and/or delivery to others
US7809643B2 (en) 1998-06-22 2010-10-05 Jpmorgan Chase Bank, N.A. Debit purchasing of stored value card for use by and/or delivery to others
US7747463B1 (en) 1998-06-22 2010-06-29 Jpmorgan Chase Bank, N.A. Debit purchasing of stored value card for use by and/or delivery to others
US7818253B2 (en) 1998-06-22 2010-10-19 Jpmorgan Chase Bank, N.A. Debit purchasing of stored value card for use by and/or delivery to others
US7809642B1 (en) 1998-06-22 2010-10-05 Jpmorgan Chase Bank, N.A. Debit purchasing of stored value card for use by and/or delivery to others
WO2000001100A1 (en) * 1998-06-26 2000-01-06 Ascom Nordic A/S An apparatus and method for secure information processing
US6581841B1 (en) 1998-06-26 2003-06-24 Sagem Denmark A/S Apparatus and method for secure information processing
US6507130B1 (en) * 1998-10-30 2003-01-14 Koninklijke Philips Electronics N.V. Data carrier with protection against spy out
WO2000026868A1 (en) * 1998-10-30 2000-05-11 Koninklijke Philips Electronics N.V. Data carrier with protection against spy out
US7707111B2 (en) 1998-11-17 2010-04-27 Jpmorgan Chase Bank, N.A. Customer activated multi-value (CAM) card
US7660763B1 (en) 1998-11-17 2010-02-09 Jpmorgan Chase Bank, N.A. Customer activated multi-value (CAM) card
US7801799B1 (en) 1998-11-17 2010-09-21 Jpmorgan Chase Bank, N.A. Customer activated multi-value (CAM) card
EP1068565A4 (en) * 1999-01-11 2006-05-17 Milsys Ltd Acceleration and security enhancements for elliptic curve and rsa coprocessors
EP1068565A2 (en) * 1999-01-11 2001-01-17 Fortress U &amp; T Ltd. Acceleration and security enhancements for elliptic curve and rsa coprocessors
US6619553B1 (en) 1999-03-01 2003-09-16 Optiva, Inc. Interactive smart card and method of its fabrication
US7676429B2 (en) 1999-06-04 2010-03-09 Jpmorgan Chase Bank, N.A. Credit instrument and system providing multiple services including access to credit services and access to a service provider club
US8793160B2 (en) 1999-12-07 2014-07-29 Steve Sorem System and method for processing transactions
WO2001061657A1 (en) * 2000-02-18 2001-08-23 Cypak Ab Method and device for identification and authentication
US6616035B2 (en) 2000-02-18 2003-09-09 Cypak Ab Method and device for identification and authentication
US8700529B2 (en) 2000-02-23 2014-04-15 Jpmorgan Chase Bank, N.A. Mutual fund card method and system
US8781905B2 (en) 2000-08-01 2014-07-15 Jpmorgan Chase Bank, N.A. System and method for transponder-enabled account transactions
WO2002050643A1 (en) * 2000-12-19 2002-06-27 Cypak Ab Secure digital signing of data
US8719085B2 (en) 2001-01-18 2014-05-06 Jpmorgan Chase Bank, N.A. System and method for administering a brokerage rebate card program
US7251501B2 (en) * 2001-03-07 2007-07-31 Halpern John W Mobile phone communications system with increased functionality
US7801816B2 (en) 2001-05-23 2010-09-21 Jp Morgan Chase Bank, N.A. System and method for currency selectable stored value instrument
US7890422B1 (en) 2001-07-24 2011-02-15 Jpmorgan Chase Bank, N.A. Multiple account advanced payment card and method of routing card transactions
US7860789B2 (en) 2001-07-24 2010-12-28 Jpmorgan Chase Bank, N.A. Multiple account advanced payment card and method of routing card transactions
US7809641B2 (en) 2001-07-26 2010-10-05 Jpmorgan Chase Bank, National Association System and method for funding a collective account
US8800857B1 (en) 2001-08-13 2014-08-12 Jpmorgan Chase Bank, N.A. System and method for crediting loyalty program points and providing loyalty rewards by use of an electronic tag
US7349866B2 (en) * 2001-08-13 2008-03-25 Jpmorgan Chase Bank, N.A. System and method for funding a collective account by use of an electronic tag
US8020754B2 (en) 2001-08-13 2011-09-20 Jpmorgan Chase Bank, N.A. System and method for funding a collective account by use of an electronic tag
US8033451B2 (en) 2001-08-13 2011-10-11 Jpmorgan Chase Bank, National Association System and method for funding a collective account by use of an electronic tag
WO2003044642A3 (en) * 2001-11-16 2004-03-04 Rue De Int Ltd Software authentication device
WO2003044642A2 (en) * 2001-11-16 2003-05-30 De La Rue International Limited Software authentication device
GB2382172A (en) * 2001-11-16 2003-05-21 Rue De Int Ltd Software authentication device
US7899753B1 (en) 2002-03-25 2011-03-01 Jpmorgan Chase Bank, N.A Systems and methods for time variable financial authentication
US9240089B2 (en) 2002-03-25 2016-01-19 Jpmorgan Chase Bank, N.A. Systems and methods for time variable financial authentication
US8751391B2 (en) 2002-03-29 2014-06-10 Jpmorgan Chase Bank, N.A. System and process for performing purchase transactions using tokens
US8095459B2 (en) 2002-07-29 2012-01-10 Jpmorgan Chase Bank, N.A. Method and system for providing flexible financing
US7676425B1 (en) 2002-07-29 2010-03-09 Jpmorgan Chase Bank, N.A. Method and system for providing flexible financing
US8239304B1 (en) 2002-07-29 2012-08-07 Jpmorgan Chase Bank, N.A. Method and system for providing pre-approved targeted products
US7809595B2 (en) 2002-09-17 2010-10-05 Jpmorgan Chase Bank, Na System and method for managing risks associated with outside service providers
US10007923B1 (en) 2002-10-11 2018-06-26 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to credit account holders
US9990642B2 (en) 2002-10-11 2018-06-05 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to credit account holders
EP1564677A4 (en) * 2002-11-22 2008-05-14 Sony Corp Non-contact ic card
EP1564677A1 (en) * 2002-11-22 2005-08-17 Sony Corporation Non-contact ic card
US7575175B2 (en) 2002-11-22 2009-08-18 Sony Corporation Non-contact IC card
WO2004049248A1 (en) 2002-11-22 2004-06-10 Sony Corporation Non-contact ic card
GB2396330B (en) * 2002-12-20 2005-05-11 Motorola Inc A smartcard
GB2396330A (en) * 2002-12-20 2004-06-23 Motorola Inc Secure smartcard system with user authentication
US8306907B2 (en) 2003-05-30 2012-11-06 Jpmorgan Chase Bank N.A. System and method for offering risk-based interest rates in a credit instrument
US8145549B2 (en) 2003-05-30 2012-03-27 Jpmorgan Chase Bank, N.A. System and method for offering risk-based interest rates in a credit instutment
US7953663B1 (en) 2003-09-04 2011-05-31 Jpmorgan Chase Bank, N.A. System and method for financial instrument pre-qualification and offering
US8463681B2 (en) 2003-09-23 2013-06-11 Jpmorgan Chase Bank, N.A. Method and system for distribution of unactivated bank account cards
US8239323B2 (en) 2003-09-23 2012-08-07 Jpmorgan Chase Bank, N.A. Method and system for distribution of unactivated bank account cards
US10089621B2 (en) 2004-04-07 2018-10-02 Giesecke+Devrient Mobile Security Gmbh Data support with tan-generator and display
WO2005098764A1 (en) * 2004-04-07 2005-10-20 Giesecke & Devrient Gmbh Data support with tan-generator and display
US8533111B1 (en) 2004-08-03 2013-09-10 Jpmorgan Chase Bank, N.A. System and method for providing promotional pricing
WO2006072855A2 (en) * 2005-01-04 2006-07-13 Koninklijke Philips Electronics N.V. Card with input elements for entering a pin code and method of entering a pin code
WO2006072855A3 (en) * 2005-01-04 2006-10-05 Gerardus Jorna Card with input elements for entering a pin code and method of entering a pin code
US8630898B1 (en) 2005-02-22 2014-01-14 Jpmorgan Chase Bank, N.A. Stored value card provided with merchandise as rebate
US8925802B1 (en) 2005-05-27 2015-01-06 Jpmorgan Chase Bank, N.A. Method and system for implementing a card product with multiple customized relationships
US7941355B1 (en) 2005-05-27 2011-05-10 Jpmorgan Chase Bank, N.A. Universal payment protection
US8752759B1 (en) 2005-05-27 2014-06-17 Jpmorgan Chase Bank, N.A. Method and system for implementing a card product with multiple customized relationships
US8469265B2 (en) 2005-05-27 2013-06-25 Jpmorgan Chase Bank, N.A. Method and system for implementing a card product with multiple customized relationships
US8245909B2 (en) 2005-05-27 2012-08-21 Jpmorgan Chase Bank, Na Method and system for implementing a card product with multiple customized relationships
US8408455B1 (en) 2006-02-08 2013-04-02 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
US7784682B2 (en) 2006-02-08 2010-08-31 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
US7753259B1 (en) 2006-04-13 2010-07-13 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
US8676642B1 (en) 2007-07-05 2014-03-18 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to financial account holders
WO2009043385A1 (en) * 2007-10-05 2009-04-09 Nokia Corporation Presentation of visual information
US8417601B1 (en) 2007-10-18 2013-04-09 Jpmorgan Chase Bank, N.A. Variable rate payment card

Also Published As

Publication number Publication date
WO1994020929A1 (en) 1994-09-15
GB2275654B (en) 1996-11-13
GB9304408D0 (en) 1993-04-21
AU6112794A (en) 1994-09-26

Similar Documents

Publication Publication Date Title
US5705798A (en) System and method for processing a customized financial transaction card
US6196460B1 (en) Age verification device
US7591426B2 (en) Method and system for data writing/reading onto/from and emulating a magnetic stripe
US7306143B2 (en) Dynamic smart card/media imaging
US6111522A (en) Multiple electronic purse parking meter
US5144115A (en) Transaction inquiring method and apparatus
CA2505646C (en) Card assembly with vertical magnetic stripe
EP1083527B1 (en) A method for changing data stored on a universal card
EP0402759B1 (en) Portable electronic device having versatile program storage
US9213976B2 (en) Multi application smartcard with currency exchange, location, tracking and personal identification capabilities
US4634845A (en) Portable personal terminal for use in a system for handling transactions
CN100470586C (en) Multi-application smartcard
EP0700024B1 (en) Apparatus and method for data transfer between stand alone integrated circuit smart card terminal and remote computer of system operator
EP0831412A2 (en) A card holder
EP0182244A2 (en) Electronic bankbook and transaction system
US4689478A (en) System for handling transactions including a portable personal terminal
US8031207B2 (en) Card image description format to economize on data storage
US6607127B2 (en) Magnetic stripe bridge
US5748737A (en) Multimedia electronic wallet with generic card
EP0542524A1 (en) Electronic bank account apparatus and method
US6811082B2 (en) Advanced magnetic stripe bridge (AMSB)
US5844218A (en) Method and system for using an application programmable smart card for financial transactions in multiple countries
US5243175A (en) Method and apparatus for determining the validity of data in an integrated circuit card
EP0785527A2 (en) Solar cell powered smart card with integrated display and interface
US6799721B2 (en) Contact-free display peripheral device for contact-free portable object

Legal Events

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

Effective date: 19970304