GB2317484A - Pocket value terminal - Google Patents

Pocket value terminal Download PDF

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Publication number
GB2317484A
GB2317484A GB9624147A GB9624147A GB2317484A GB 2317484 A GB2317484 A GB 2317484A GB 9624147 A GB9624147 A GB 9624147A GB 9624147 A GB9624147 A GB 9624147A GB 2317484 A GB2317484 A GB 2317484A
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GB
United Kingdom
Prior art keywords
chip
devices
card
combination according
cards
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
GB9624147A
Other versions
GB9624147D0 (en
GB2317484B (en
Inventor
John Desmond Field
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.)
P-Wave Holdings LLC
Original Assignee
P-Wave Holdings LLC
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 P-Wave Holdings LLC filed Critical P-Wave Holdings LLC
Publication of GB9624147D0 publication Critical patent/GB9624147D0/en
Priority to AU43113/97A priority Critical patent/AU728907B2/en
Priority to BR9711514-2A priority patent/BR9711514A/en
Priority to CN97199905.8A priority patent/CN1238055A/en
Priority to EP97941087A priority patent/EP0934576A2/en
Priority to CA002266373A priority patent/CA2266373A1/en
Priority to JP10514408A priority patent/JP2001500652A/en
Priority to PCT/GB1997/002551 priority patent/WO1998012674A2/en
Priority to TW086115309A priority patent/TW403883B/en
Publication of GB2317484A publication Critical patent/GB2317484A/en
Application granted granted Critical
Publication of GB2317484B publication Critical patent/GB2317484B/en
Anticipated expiration legal-status Critical
Expired - Fee Related legal-status Critical Current

Links

Classifications

    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • G07F7/10Mechanisms 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
    • G07F7/1008Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06KGRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/0008General problems related to the reading of electronic memory record carriers, independent of its reading method, e.g. power transfer
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06KGRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/0013Methods 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
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06KGRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/0013Methods 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
    • G06K7/0056Methods 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
    • G06K7/006Methods 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
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06KGRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/10Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
    • G06K7/10009Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves
    • G06K7/10316Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves using at least one antenna particularly designed for interrogating the wireless record carriers
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06KGRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/10Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
    • G06K7/10009Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves
    • G06K7/10366Methods 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 the interrogation device being adapted for miscellaneous applications
    • G06K7/10376Methods 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 the interrogation device being adapted for miscellaneous applications the interrogation device being adapted for being moveable
    • G06K7/10386Methods 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 the interrogation device being adapted for miscellaneous applications the interrogation device being adapted for being moveable the interrogation device being of the portable or hand-handheld type, e.g. incorporated in ubiquitous hand-held devices such as PDA or mobile phone, or in the form of a portable dedicated RFID reader
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352Contactless payments by cards
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • G07F7/0873Details of the card reader
    • G07F7/088Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886Details 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

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

Abstract

A pocket value terminal comprises a pocketable case 10, a display 11 and a keyboard 12. The case is designed to receive and electrically connect with contact chip cards to carry out various transactions. The case has a multi-pin connector 13 enabling the terminal to be connected to external devices. The central microprocessor may be mounted on a plastic board that also carries a contactless chip. Alternatively, the contactless chip may be mounted on a separate board and held and supported in convenient proximity with the terminal. In this way the terminal acts as a value transfer and communicating device, and can also be used, in contactless mode, to purchase rail journeys and the like.

Description

POCKET VALUE TERMINAL The invention relates to a pocket value terminal that is associated with electronic transaction cards that incorporate a memory, frequently known as smart cards or chip cards, and associated hand-held devices.
The cards consist of a thin rectangular section (typically 85.6 mm x 53.98 mm x 0.76 mm) of plastic material into which is imbedded an integrated circuit which contains complex memory and logic circuits, that operate according to various ISO standards and enable the user to conduct a commercial transaction with a service provider. Such integrated circuits are often referred to as "chips".
Various technologies are used for bi-directional communication with the smart card chips, two of these methods are known as "contact" and "contactless".
Contact chip cards are supplied with contact pads on the surface of the card that are bonded to the chip. It is via a physical electrical connection to these contact pads that communications are accomplished. In contrast, communication to the contactless chip card is via a radio frequency signal transmitted from an external reader.
Signals are received via a tuned thin wire aerial in the form of a multi layer loop imbedded in the periphery of the chip card and connected to the chip.
The invention can be applied to any number of chip cards utilising the aforementioned technologies and other associated hand-held devices. Such cards can encompass many applications, typical applications would include, financial transaction cards, stored value cards for transport, telecommunications, car parking meters, identity cards and the like. Such cards are individually prepared and used and, generally stated, comprise a separate card for each function.
A multiple chip card requirement could be achieved by developing a hybrid chip that combines various individual chip function characteristics into a single microprocessor chip. Such a combination leads to extra difficulty with respect to the management protocols of the various functions and in some cases would add greatly to the costs. In terms of mass production or otherwise, it also involves considerable design expense because for each form of combination a specially designed chip is required.
Additionally because of the unproven acceptance level of the individual technologies, many service providers are unwilling to risk the success of their technology by combining with another unproven technology, despite the inherent advantage of combining applications for transport and financial sections, for example.
The change for service providers from using separate chip cards to the final single hybrid chip card combination solution would require development of several stages.
Typically, the stages start by individual cards containing one dedicated chip, then a single card containing two separate chips, and finally a single hybrid chip combining the features of both technologies.
An object of the invention is to provide a mechanism to enable service providers to integrate their technologies during the development phases from independent cards to the hybrid card.
In embodiments of the invention there is provided a common interface that is both independent of the technologies and secure for each of the service providers, the long term financial, legal, operational and technological concerns related to the integration of their services can therefore be addressed safely.
Typical commercial issues with respect to the ownership of the card, what powers does the owner have over the data stored on any single application, and who is responsible for establishing the data structures and security mechanisms need evaluation, and the economic benefits from shared ownership must in any event be carefully considered before committing to combined or hybrid chip architecture.
There exists today various hand-held devices in everyday use, these may take the form of a pager, mobile telephone, calculator, electronic wallet, organiser, card value reader, or the like. These devices typically incorporate features such as, a display, input interface, printed circuit board and a processor. The cards relating to this invention, and the associated hand-held devices can be regarded as having their respective communication, memory and processing features concentrated in electronic modules mounted on either plastic cards, or printed circuit boards.
In any event and broadly stated, each of the chip cards relating to this invention can be regarded as a simply suitable encapsulation of a chip and other components as applicable. The encapsulation ensures the integrity of the chip, and its components, and allows such chip cards to be manually handled and, where appropriate, electrically "plugged in" to a device or appliance or simply placed in a slot, e.g. for a financial transaction device inserted in a cash dispenser slot.
Some chip cards can be remotely sensed, interrogated and monitored using so-called "contactless technology".
Already contactless chip cards are used for railway station entries, road toll collections and electronic driving licenses, for example, where the card is simply "shown" at a distance by a holder or mounted on a vehicle, and automatically communicates with a stationary reader or monitor.
The invention also has application with pagers and mobile phones, calculators, electronic wallets, organisers, card value readers and the like and may be applied to a circuit board that carries one or more chips, and some other electrical components where applicable. For the purposes defining embodiments of the invention, any of the chip cards and associated hand-held devices where applicable, will be referred to as "pocketable communicating devices" to give an indication to their size, format ad function.
According to the invention there is provided a combination of two or more different discrete pocketable communicating devices having respective chips for performing their discrete functions, in which the devices are arranged to be physically associated with one another, and one of the devices is a contactless chip card.
Each device may have a separate chip and a single holder or wallet provided to carry the chips physically close to one another in association with one another.
Each device may comprise a separate supporting card of plastic material and a housing arranged to receive and carry the two or more cards physically close to one another.
In some of the devices the contactless chip card may be formed or carried on the same plastic card as the other or one of the other devices.
An aerial for the contactless chip card may be formed by conductors printed on the or one of the plastic cards of the other devices.
One of the devices may comprise a manually operable pocket value terminal incorporating an independent microcomputer.
One of the functions of the microcomputer is to communicate directly to one or more pocketable communicating devices, or to enable communications between two or more of these devices, when the devices are physically placed close to the microcomputer during the communicating.
The pocket value terminal may be arranged to contain a mechanism for receiving and holding chip cards in position. The pocket value terminal preferably includes a facility to communicate to and/or between at least a chip card and the microcomputer, in which case the contact chip card is electrically connected during the communication process by exposed contacts to the pocket value terminal.
The pocket value terminal preferably also has a multi-pin connection connectable to other appliances.
The housing may comprise a wallet arranged to contain the pocket value terminal.
In the combination, one of the devices preferably comprises a commonly used electrical device that fits into a person's pocket.
One of the devices preferably contains a central processor card. The central processor card may be provided with the means for communicating directly to a chip in another card physically placed adjacent the central microprocessor card during the communicating.
The central processor card may be provided with the means for storing data from any of the service providers in an independent, public partition of its memory, that is securely isolated from the service provider's technology.
The content of this memory is accessible via key input and displayed on the device screen.
A device may be arranged to contain the central processor and have a mechanisms for receiving and holding other cards with similar chips in position.
A chip card value reader may be provided and arranged to display the value residing in the memory of a chip card when physically placed within the device.
A holder or a wallet may be arranged to control and transfer value between various other cards physically placed adjacent the central processor.
Embodiments of the invention will now be described by way of example with reference to the accompanying schematic drawings in which: Figure 1 is an isometric top view of a pocket value terminal; Figure 2 shows an isometric top view of a printed circuit board for the device and forming a combined central processor and contactless chip; Figure 3 shows an isometric bottom view of the printed circuit board for the device; Figure 4 shows an isometric bottom view of the terminal; and Figure 5 shows an isometric bottom view of an ISO 7816 type contact chip card.
Referring to the drawings, the terminal is provided in a laminar shaped pocketable case 10, having an area approximately equal to a normal credit card, and provided with a liquid crystal display 11 and a keypad 12. A multiple pin connector 13 mounted at one end of the case 10 enables the terminal to be electrically connected to other devices.
In Figure 3, a printed circuit board 17 is mounted with a type ISO 7816 contact chip connector 18.
A microcomputer 14 of the terminal mounted on the printed circuit board 17 enables direct communication with a contact chip card 19 inserted into the contact chip connector 18. In use the chip 20 on the contact chip card 19 is programmed to communicate in a totally secure manner with the terminal according to a known Mondex (trade mark) system, or other similar contact chip card systems.
In accordance with embodiments of the invention, a contactless chip circuit is provided and comprises a separate contactless chip 15 and an aerial 16 mounted and formed on the printed circuit board 17 respectively. The chip 15 is totally separated from and independent of the microcomputer 14 and the aerial 16 is also electrically isolated from the microcomputer 14. Indeed, as a matter of convenience to maintain overall versatility, the contactless chip card is preferably formed in a separate manufacturing or assembly operation, before the microcomputer 14 and its components have been added to the plastic board. Encapsulation with resin, for example, may however take place after both the microcomputer 14 and the contactless chip 15 have been mounted to the same printed circuit board.
In terms of embodiments of the invention, the described arrangement represents a typical example, where the contactless chip card is used for example for purchasing rail journeys or ticketless flight reservations. The user of the described device can carry out transactions using a contact chip cards, such as obtaining cash at a cash dispenser or transferring money to another like card holder or obtaining information via the terminal's display, relating to the remaining value stored on the contact chip card or the most recent transactional data.
Additionally, the user, when conducting transactions with either the contact card or the contactless card features of the terminal, can accumulate loyalty points that have a predetermined relationship to the value of his purchases with either the contact card, or the contactless features of the terminal.
These points can be converted by the relevant service provider into a value format that can be stored in a public memory partition of the microprocessor 14, that is accessible by both the contact card service provider and the contactless card service provider, and used jointly or separately by the service providers for distribution between themselves and/or with the users.
The contactless device in the described embodiment is formed on the same plastic board that support the terminals' electronic components. In other applications the contactless device may be formed on a same printed circuit board that supports pager, mobile telephone, calculator, card value reader, electronic wallet or, organiser, electronic components. On the other hand, the contactless device may be quite separate, as well as being also discrete in the manner above, and so simply placed or used in proximity with the chip boards of the other "communicating" devices, which devices include the terminal (as described) that communicates with chip cards such as 19.
In any event it will be appreciated that in embodiments of the invention the contactless function is a kind of "addon" to a communicating device, such as a pocket value terminal, say. There are at least three advantages with providing such an arrangement. Firstly, there is no need to re-design and technically prove the contact chip or the contactless chip as they are known and generally available per se. Secondly, several different kinds of contactless chip cards can be selected and added to one of a variety of contact chip cards. Thirdly, because there are no battery requirements for contactless operation, or generally, the contactless function can be provided next to a standard printed circuit of a pager, a mobile telephone, a calculator, a card value reader, an electronic wallet, an electronic organiser or other devices. As such, the pager and so forth can be used for its normal function and also used to obtain entry to a railway station using the incorporated or added-on contactless chip card feature.
A further advantage of maintaining the chip functions separate is that it maintains privacy and security between the respective service providers and/or users.
It will be noted that the user or holder of the described device may be informed, using the microcomputer 14, of the status of the value remaining on his chip card and has means of privately obtaining the most recent transactional data relating to his cards. At present means for accessing this information are generally located at the service provider, and in many cases such information is not easily available.
Instructions relating to all the foregoing can be carried out by the combined use of the display and key input features of the pocket value terminal.
It will be appreciated that whereas a certain contactless device has been described with a chip mounted on a board and an aerial formed, by printed circuit or other technique, on the board, other contactless arrangements may be used. Such other contactless arrangements include cards that are read during proximate inductive coupling where the card is normally presented quite closely up to or near a reader. In all cases, the contactless device is any device that does not actually electrically contact the reader directly and is a separate or separately operable device, as explained in the specification.

Claims (11)

1. A combination of two or more pocketable different discrete communicating devices and respective microprocessor chip for performing a discrete function, in which the devices are arranged to be physically associated with one another, and one of the devices is a contactless device
2. A combination according to claim 1, in which each of the devices has a separate chip and a single holder or wallet is provided to carry the chips physically close to one another in association with one another.
3. A combination according to claim 1, in which each of the devices is formed on or carried by a respective single printed circuit board.
4. A combination according to any of claims 1 to 3, in which an aerial for the contactless device is formed by conductors printed on the or one of the printed circuit boards.
5. A combination according to any of claims 1 to 4, in which one of the devices comprises a commonly used electrical device that fits into a person's pocket.
6. A combination according to any of claims 1 to 5, in which one of the devices contains a central microprocessor card.
7. A combination according to any of claims 1 to 6, in which the central microprocessor card is provided with the means for communicating directly to a chip in another card physically placed adjacent the central microprocessor card during the communicating.
8. A combination according to any of claims 1 to 7, including a device arranged to contain the central processor, the device having a mechanisms for receiving and holding other cards with similar chips in position.
9. A combination according to claim 8, including a key fob value reader arranged to display the value residing in the memory of the chip of a card physically placed within the device.
10. A combination according to claim 8, including a wallet arranged to transfer value between various other cards physically placed adjacent the central microprocessor.
11. Combined pocketable different discrete communicating devices substantially as herein described with reference to the accompanying drawings.
GB9624147A 1996-09-20 1996-11-20 Pocket value terminal Expired - Fee Related GB2317484B (en)

Priority Applications (8)

Application Number Priority Date Filing Date Title
CA002266373A CA2266373A1 (en) 1996-09-20 1997-09-18 Pocket value terminal
BR9711514-2A BR9711514A (en) 1996-09-20 1997-09-18 Combination of two or more different discrete pocket communication devices.
CN97199905.8A CN1238055A (en) 1996-09-20 1997-09-18 Packet value terminal
EP97941087A EP0934576A2 (en) 1996-09-20 1997-09-18 Pocket value terminal
AU43113/97A AU728907B2 (en) 1996-09-20 1997-09-18 Pocket value terminal
JP10514408A JP2001500652A (en) 1996-09-20 1997-09-18 Pocket size numeric display terminal
PCT/GB1997/002551 WO1998012674A2 (en) 1996-09-20 1997-09-18 Pocket value terminal
TW086115309A TW403883B (en) 1996-09-20 1997-10-17 Pocket value terminal

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
GBGB9619708.2A GB9619708D0 (en) 1996-09-20 1996-09-20 Pocket value terminal

Publications (3)

Publication Number Publication Date
GB9624147D0 GB9624147D0 (en) 1997-01-08
GB2317484A true GB2317484A (en) 1998-03-25
GB2317484B GB2317484B (en) 2000-11-15

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Application Number Title Priority Date Filing Date
GBGB9619708.2A Pending GB9619708D0 (en) 1996-09-20 1996-09-20 Pocket value terminal
GB9624147A Expired - Fee Related GB2317484B (en) 1996-09-20 1996-11-20 Pocket value terminal

Family Applications Before (1)

Application Number Title Priority Date Filing Date
GBGB9619708.2A Pending GB9619708D0 (en) 1996-09-20 1996-09-20 Pocket value terminal

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GB (2) GB9619708D0 (en)
HK (1) HK1006924A1 (en)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1120755A1 (en) * 2000-01-26 2001-08-01 Soren Degnbol Pedersen Card holder system
WO2004031969A2 (en) * 2002-10-02 2004-04-15 Discover Financial Services, Inc. Multi-fonction credit card and case
WO2008075143A1 (en) * 2006-12-18 2008-06-26 Fundamo (Proprietary) Limited Portable payment device

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4719338A (en) * 1985-08-12 1988-01-12 Ncr Corporation Pocket calculator with credit card controller and dispenser
WO1990004239A1 (en) * 1988-10-12 1990-04-19 Electronique Serge Dassault Device for the remote transmission of identification and/or value information
WO1993002430A2 (en) * 1991-07-17 1993-02-04 Ward, William Electronic travel pass
US5434395A (en) * 1990-03-05 1995-07-18 Jean-Rene Storck Method and device for effecting a transaction between a first and at least one second data carrier and carrier used for this purpose
EP0670556A1 (en) * 1994-03-04 1995-09-06 Gemplus Card International Portable device for functional link between an IC card and a central unit
GB2298613A (en) * 1995-03-06 1996-09-11 Motorola Inc A smart memory card

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4719338A (en) * 1985-08-12 1988-01-12 Ncr Corporation Pocket calculator with credit card controller and dispenser
WO1990004239A1 (en) * 1988-10-12 1990-04-19 Electronique Serge Dassault Device for the remote transmission of identification and/or value information
US5434395A (en) * 1990-03-05 1995-07-18 Jean-Rene Storck Method and device for effecting a transaction between a first and at least one second data carrier and carrier used for this purpose
WO1993002430A2 (en) * 1991-07-17 1993-02-04 Ward, William Electronic travel pass
EP0670556A1 (en) * 1994-03-04 1995-09-06 Gemplus Card International Portable device for functional link between an IC card and a central unit
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Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1120755A1 (en) * 2000-01-26 2001-08-01 Soren Degnbol Pedersen Card holder system
WO2001055977A1 (en) * 2000-01-26 2001-08-02 Pedersen Soeren Degnbol Card holder system
US6707382B2 (en) 2000-01-26 2004-03-16 Pedersen Soeren Degnbol Card holder system
WO2004031969A2 (en) * 2002-10-02 2004-04-15 Discover Financial Services, Inc. Multi-fonction credit card and case
WO2004031969A3 (en) * 2002-10-02 2004-06-03 Discover Financial Services In Multi-fonction credit card and case
WO2008075143A1 (en) * 2006-12-18 2008-06-26 Fundamo (Proprietary) Limited Portable payment device
US7992792B2 (en) 2006-12-18 2011-08-09 Fundamo (Proprietary) Limited Portable payment device

Also Published As

Publication number Publication date
GB9624147D0 (en) 1997-01-08
GB2317484B (en) 2000-11-15
HK1006924A1 (en) 1999-03-26
GB9619708D0 (en) 1996-11-06

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