TWI336449B - Electronic transaction card - Google Patents

Electronic transaction card Download PDF

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Publication number
TWI336449B
TWI336449B TW95105997A TW95105997A TWI336449B TW I336449 B TWI336449 B TW I336449B TW 95105997 A TW95105997 A TW 95105997A TW 95105997 A TW95105997 A TW 95105997A TW I336449 B TWI336449 B TW I336449B
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TW
Taiwan
Prior art keywords
card
electronic
transaction
memory
memory card
Prior art date
Application number
TW95105997A
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English (en)
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TW200636592A (en
Inventor
Siva G Narendra
Thomas N Spitzer
Prabhakar Tadepalli
Original Assignee
Tyfone Inc
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Publication of TW200636592A publication Critical patent/TW200636592A/zh
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Publication of TWI336449B publication Critical patent/TWI336449B/zh

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/06187—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with magnetically detectable marking
    • G06K19/06206—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with magnetically detectable marking the magnetic marking being emulated
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/06187—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with magnetically detectable marking
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/0701—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising an arrangement for power management
    • G06K19/0702—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising an arrangement for power management the arrangement including a battery
    • G06K19/0703—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising an arrangement for power management the arrangement including a battery the battery being onboard of a handheld device, e.g. a smart phone or PDA
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/0723—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/0723—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
    • G06K19/0727—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs the arrangement being a circuit facilitating integration of the record carrier with a hand-held device such as a smart phone of PDA
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/073—Special arrangements for circuits, e.g. for protecting identification code in memory
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07737—Constructional details, e.g. mounting of circuits in the carrier the record carrier consisting of two or more mechanically separable parts
    • G06K19/07741—Constructional details, e.g. mounting of circuits in the carrier the record carrier consisting of two or more mechanically separable parts comprising a first part operating as a regular record carrier and a second attachable part that changes the functional appearance of said record carrier, e.g. a contact-based smart card with an adapter part which, when attached to the contact card makes the contact card function as a non-contact card
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07749—Constructional details, e.g. mounting of circuits in the carrier the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card
    • G06K19/07758—Constructional details, e.g. mounting of circuits in the carrier the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card arrangements for adhering the record carrier to further objects or living beings, functioning as an identification tag
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07749—Constructional details, e.g. mounting of circuits in the carrier the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card
    • G06K19/07758—Constructional details, e.g. mounting of circuits in the carrier the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card arrangements for adhering the record carrier to further objects or living beings, functioning as an identification tag
    • G06K19/07762—Constructional details, e.g. mounting of circuits in the carrier the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card arrangements for adhering the record carrier to further objects or living beings, functioning as an identification tag the adhering arrangement making the record carrier wearable, e.g. having the form of a ring, watch, glove or bracelet
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/0008—General problems related to the reading of electronic memory record carriers, independent of its reading method, e.g. power transfer
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/353—Payments by cards read by M-devices
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M1/00—Substation equipment, e.g. for use by subscribers
    • H04M1/72—Mobile telephones; Cordless telephones, i.e. devices for establishing wireless links to base stations without route selection
    • H04M1/724—User interfaces specially adapted for cordless or mobile telephones
    • H04M1/72403—User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality
    • H04M1/72409—User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality by interfacing with external accessories
    • H04M1/72412—User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality by interfacing with external accessories using two-way short-range wireless interfaces

Description

1336449 玖、#明說明:::/ .....丨 · · .· 【發明所屬之技術領域】 本發明一般係有關於電子裝置，且更明確地係有關於可 執行交易的電子裝置。 【先前技術】 磁卡具有多種用途。例如包含信用卡、轉帳卡、儲值卡、 識別卡、進出卡等等。大部分這些卡片以一靜態方式儲存資 訊於一磁性磁條中。例如，一信用卡可具有—信用卡號、— 持卡者姓名和—發行銀行名稱靜態地編碼於一磁性磁條 中。同樣地，一識別卡或進出卡可具有靜態編碼的資訊，該 資訊可辨識一個體或允許存取至控制的存取區域。當該卡片 刷過一磁卡讀卡機時，該資訊被傳輸至該磁卡讀卡機以執行 父易例如—金融交易或需識別身份的交易。 【發明内容】 谷於一行動電話中之一記憶卡槽的記憶卡，該記
一種用於執行_ 於經由在一智彗發2
金融交易資料。 仃一金融交易的設備包含：溝通元件，其用 電子裝置中之一記憶卡槽溝通；產生元件， —表示金融交易資料之時變磁場；和储存元 5 1336449 -種電子交易卡包含：一種記憶卡槽介面；和電路系 統，其用於產生一相容於一磁卡讀卡機之時變磁場。 【實施方式】 在下列的詳細敘述中，在圖式中加註元件符號以顯示本 發明的數種示例性實施例β詳細地描述這些實施例以使熟習 該項技藝者可使用本發明。應瞭解本發明的數種實施例，雖 然相異’卻不必然彼此獨立。例如，描述為與—實施例連结 的一特殊特徵、結構或特性可執行在其他實施例内而不背 離本發明的精神與範圍。此外，應瞭解在每-揭示的實施例 内之個別元件的位置與排列可在不背離本發明的精神與範 圍的情況下加以調整。因此，不需對下列的詳細敘述加以限 制且本發明的範圍僅定義於所揭示的專利中，並可延伸到 專利所命名之等義者的所有範圍。在圖示中，相同的元件符 號意指各圖中相同或相似的功能。 第1圖顯示一智慧型電子裝置和一電子交易卡。智慧型 電子裝置102在第1圖中顯示為一行動電話，但這並非本發 明的一限制。例如，智慧型電子裝置1 〇2可為一個人數位助 理（PDA)、一智慧型手機（smartphone), —行動電話、 —手提電腦或任何其他種可操作如在此所述的裝置。 智慧型電子裝置1 02包含附加槽1 1 〇 »附加槽丨丨〇係一 可接收電子交易卡104的槽。例如，附加槽11〇可具有相容 於電子交易卡的實際尺寸，並可具有一溝通介面，該介面使 用一相容於電子交易卡104的協定。在某些實施例中，電子 6 1336449 交易卡104包含一可提供一關連性至智慧型電子裝置102之 識別號碼。例如，電子交易卡104可包含一 ID號碼，該ID 號碼可提供一唯一配對關連性或一非唯一配對關連性介於 電子交易卡104和智慧型電子裝置102間。
在本發明的某些實施例中’附加槽1 1 0係一用於接收和 與記憶卡溝通的記憶卡槽。如在此所使用的，名詞“記憶卡 槽”意指任何可接收一卡片的附加槽，其中該卡片具有可為 智慧型電子裝置（如第1圖所示）所存取的記憶體。例如， 5己憶卡槽可為一用於接收支持一專用溝通協定之記憶卡 的專用卡槽。並且，例如，一記憶卡槽可相容於一工業標準 溝通協定；或可相容於一廣泛接收的溝通協定，該溝通協定 不必然拘泥於使用—工業標準。示例包含槽，該槽相容於2 、肚·。己隐卡（MMC)協定、s己憶棒（Memory Stick DUO) ^定、安全數位（SD)協定、智慧媒體（Smart Medi〇協 ^ 1述列表僅為示例性的’且不完整。&了上文所明確地 不运3本發明乾圍的協疋，附加槽no可相容於許多 記憶卡槽協定。 電子交易卡104包含電子接點和磁條（Stripe)1〇6。 子接點108為提供一溝通介面以與附加# ιι〇溝通之接 點。例如，電子接點108可提供遵守一 令仏 用於记憶卡之溝通協 域，#丄 匆卞外部接面的區 其中該接面放射一或多時變；^場。 的位罟社u , . + J如，可自磁條106 置放射一或多時變磁場，以與—讲上μ 磁卡讀卡機溝通。在某 7 1336449 -i弛例中，富一興型磁卡刷過—磁卡讀卡機 場可模擬該時變磁場的產生。例如，一 ·，該時變甸 變磁場可模擬刷取-信用卡…轉帳卡或任' 106的時 於一磁卡讀卡機之一磁性磁條的卡片。 ，、具有相溶 在本發明的某些實施例中，磁條1〇6可 卡1 0 4上可見的磁條。去磁你f Λ 電子交易 ^ 田场條1 06係可見時，其 時變磁場將放射的位置。在太'、用於指开 wn _ t 實施例中，磁條川
了…1例如’電路系統可包含在電子交易卡 以產生時變磁場，Μ有明顯的指示可呈現在 ^ 104外部接面上。 乂约f 在此所使用的名詞“磁條” 一般意指一在電子交易卡上 的位置，不論一明顯的磁條是否存在。在此敘述中，名詞“磁 條更可用於意指一在—電子交易卡上的明顯標示。再者， 一“磁條”可包含為一或多時變磁場所提供的功能該時變磁 場放射自卡片β例如，名詞“磁條，，可意指多重磁軌、或多重 “磁條”、或其仿效品。 在此所描述的磁條可相容於一或多種規格。一磁條可藉 由符合該規格的方式或部分符合該規格的方式，相容於一規 格。例如，培條106可相容於一美國國家標準局（ansi )磁 性磁條規格，或一國際標準組織（i s 0 )磁性磁條規格。另 外，在某些實施例中，一磁條可模擬不只一磁軌，且模擬的 堪轨可能或並未偏移在一規格中所述的位置。例如，一或多 網路線可用於產生相容於一規格之時變磁場’且該網路線可 位於或鄰近磁條1〇6在一不同於一關連規格所述之磁執偏移 8
I 1336449
的位置中β 在此所使用的名詞《交易（transacti〇n)’’意指一 卡的任何有利的使用。例如，磁條106放射一時變 卡讀卡機或一混合智慧式讀卡機（hybrid reader)所讀取的任何時候，可發生一交易。交易 融交易、存取控制交易 '或其他任何涉及此間描过 子交易卡實施例的交易形式。並且，如下文更詳知 在本發明的某些實施例中，交易可利用電子交易专 式卡片介面以增加、或替代放射時變磁場的磁條。 在操作方面，智慧電子裝置1〇2可設計電子$ 程式用於使用在一涉及磁條丨〇6的交易中。例如， 裝置102可設計電子交易卡1〇4程式以作為一信拜 帳卡等f。於是’可伴隨一磁性磁條或智慧卡式商 終端機使用電子交易卡104以實現一交易。再例如 子裝置1〇2可設計電子交易卡1〇4程式以操作在一 機可有效利用磁條1 06的任何其他環境中。 第2A圖顯示智慧電子裝置2〇2和電子交易— 慧電子裝i 2〇2包含附加肖21〇以接收電子交易― 慧電子裝置202顯示具有附加槽21〇在一面上，隹 發明的-限制。例如，附加# 21。可位於智慧電： 的頂部、;部、或任何其他表面。再例如藉由_ (clamsheU)設計，當該外殼是封閉時可產生一所 這些實施射’料狀外殼的每—面可結合該附办 份’如此當該料狀外&打開時該附加槽打開。 電子交易 磁場並為 smartcard 可包含金 的任何電 的敘述， 上的智慧 易卡104 智慧電子 卡、一轉 業銷售點 ，智慧電 磁卡讀卡 220 ° 智 220 ° 智 這並非本 裝置202 蛤狀外殼 加槽。在 槽的一部 9 電子交易卡220可星古 」具有任何符合 子。電子交易卡220 _ + 1 + 1加槽210的形 啤不具有—外斑& ,, 104 ( ^ 1 - λ . 卜觀比例不同於電子交 、弟1圖）的形狀因子。丄 且可星古帝工拉·· 冤子父易卡220包含磁條 ，、有電子接點以與附加槽 啻工丄Β «_ 任口 。该電子接點可 電子父易卡220的背面上、麥 u .嵌入在電子交易卡220的一 或在電子交易卡22〇的正 夺且 丄在某些實施例中， 易卡220包含一“無接點 ▲ ;1回主附加槽2 10。例如 千父易卡220可包含—八二艺 ；，至附加槽2 1 0，該附加槽使 %或磁場、紅外線（IR) # )先、或任何其他適用的溝通機 通0 電子交易卡220可罝古 田#『 ]具有—用於壓印（imprinting 域。例如，如第2A圖所顯千，蕾又山Β μ 码^顯不電子交易卡220可具 壓印一商標（用於銀行岑盆袖、 a 1丁 A再他）的空間，和一持卡者 另外’電子交易卡220可包含用於4*上土妨 J巴a用於一持卡者簽名的空 不違背本發明的範圍情況下，電子交易卡22〇可包含 他資訊、編碼的或未編碼的、清楚的或不清楚的。 智慧電子裝置202可包含一機制以允許智慧電. 202與有線或無線網路溝通。例如，智慧電子裝置2〇2 含電路系統以與一行動電話網路溝通。注意在這些實 中，智慧電子裝置202可為或可不為—電話。例如，智 子裝置202可為一行動電話，其具有—用於使用一電子 卡之附加槽。再例如，智慧電子裝置2〇2可為—具有行 路連結的非電話式裝置。示例包含，但不限制於：移動 公司（RIM )的「黑莓（Blackberry)」袭置 '音樂播放器 狀因 易卡 222 位在 邊緣 電子 ，電 用電 制溝 的區 用於 名》 。在 何其 裝置 可包 施例 慧電 交易 動網 研究 例如 10 1336449 MP3播放器、照相機等等。 在操作方面，智慧電子裝置2〇2可設計電子交易卡2以 程式以執行—交易。在某些實施例中，經由〜網路的溝通可 在交易中扮演一重要角色。例如，智慧電子裝置2〇2可藉由 一網路接收用於該交易的授權。再例如，智慧電子裝置 可設計電子交易卡220程式以執行一交易，然後回報該交易 至一使用網路的實體。 電子交易卡22〇可利用於金融交易中。例如，電子交易 卡2 2 0可被設計作為一信用卡或一儲值卡。在這些實施例 中，電子交易卡220可被設計以放射一或多時變磁場以模糙 刷取一信用卡或儲值卡》在這些實施例的若干部分中，電子 交易卡220可一再使用一數值，或可對每—次交易使用—相 異的數值。例如，電子交易卡220可被設計為具有一數值 類似於一信用卡如何一再地使用相同的數值。再例如’電子 交易卡220可設計為對每一次交易使用一相異的數值。該數 值在此意指為“個別交易帳號”或“STANs”》 個別交易帳號可為卡片發行者或局部地為一智慧電子 裝置或一電子交易卡所產生。可以數種方式之任一種完成 STANs的產生。例如，當發行一電子交易卡時，該持卡者可 接收數種預先指定的個別使用交易碼。該號碼並可具有_預 先指定的序列。在某些實施例中，此序列僅為該發行銀行和 持卡者的智慧電子裝置和/或電子交易卡所獲知。—卡片發行 銀行可基於帳號的要求序列授權支款，且假如使用失序帳號 時’則該發行銀行可將該交易視為一可能性炸欺交易。該發 11 1336449 行銀行並可使用此特徵以 追縱牽涉可能性畔& 根據另一示例，〜π。 !能性昨欺 預先指定的„ 者輸入或其他啟動步w STANs序. 技 、罝，以於目錄上重£ A | 值。另外，數值目錄可宕他u 上夏罝為习 环'期地經由—動
路連結下載。 灯動電話S 第2Β圖顯示智慧電 慧電子裝置230係—可裝 子交易卡溝通。例如，智 形狀因子。本發明的某此 子。例如’可以一接觸人 電子裝置。在不背離本發 載式智慧電子裝置。再者 述的任何功能。 智慧電子裝置230可包含一附加槽用以接受 240。該附加槽可為任何—種在此描述的附加槽 子交易卡240可為任何一種電子交易卡。例如， 240可為任一種在此描述的電子交易卡實施例。 第3圖顯示一電子交易卡的方塊圖。電子交 一可用於溝通一智慧電子裝置，和溝通一磁卡讀 交易卡。例如’電子交易卡300可為電子交易卡 圖）或電子交易卡22〇 (第2Α圖）。 電子交易卡300包含電子接點3〇2、智慧電子 介面3〇4 '非揮發性記憶體306、處理裝置308、 體3 1 0'磁場產生電路系統3 1 2、刷卡感測器3 1 4牙 .易的商行" 可依據使用 初的起始數 路或其他網 卡240 。智 置可與一電 有一手錄的 載式形狀因 裝載式智慧 用任何可裝 具有在此敘 電子交易卡 實施例。電 電子交易卡 易卡300係 卡機的電子 104 (第 1 ‘裴置（IED ) 揮發性記憶 °磁條320。 子裝置230和電子交易 載式裝置的示例，該裝 慧電子裝置2 3 0顯示具 實施例可具有其他可裝 類皮膚的方式穿戴一可 明領域的情況下，可利 ’智慧電子裝置230可
12 1336449 電子接點302相當於電子接點ι〇8 (第i圖）。ΐΕ〇介 面304耦接至電子接點3〇2以提供—溝通介面介於電子交易 卡3〇〇和一智慧電子裝置間。例如，IED介面3〇4可為一相
容於一附加槽的介面’例如附加槽！ 1〇 (第】圖）或附加槽 210 (第 2A 圖）。 S 磁場產生電路系、统3 ! 2包含一或多冑路系統以產生時變 磁場在磁们20位置上或其鄰近處。例如，”丨起一或多電 流傳輸電導以產生一磁場，且電流可改變振幅與反轉極性以 產生磁場的時變性。在本發明的某些實施例中，磁場產生電 路系統的數量相當於用於磁條32〇模擬的磁軌數量 磁條320可模擬二、三、四或多個在磁卡上（例如广用 卡。）的磁軌。在這些實施例中，電子交易卡3〇〇可包含二、 三、四或多磁場產生電路系統312。磁場產生電路 更可包含用於控制時變磁場的電路系 妙!I如，磁場连座雷 路系統312可包含電壓驅動器、電 电机驅動器、保留 的暫存器、轉換數位資料至磁轨之順序 circuits)等等。 系統（sequential 當電子交易卡300在一磁卡讀卡 器3丨4感測並提供一刷卡指示至處理刷取時’刷卡感測 器可為-機械錶、一電子錶或任何' 3〇8。該刷卡感測 如，當刷取電子交易卡3。。時，一機:：口的手錶。例 如’-電子感測器可包含二或多接點 又#壓。再例 刷過一讀卡機内的金屬頭時可缩短。另外於圖示），其當 (Hall )效應感測器或光學式感測 可利用一霍爾 本發明不加限制於使 13 1336449 用的刷卡感測器類型。在某此督 省略。 ‘實施例中，刷卡感測器314可 處理裝置3〇8代表一可田Μ ;與其他顯示在電子 300中的方塊溝通的處理器。你丨l 电于父易卡 列如’處理裝置3 處理器、一數位訊號處理器（Ds 了為一微 外，處理裝置308可形成自狀態機1微控制器等等。另 作方面，處理裝i 308 T執行程式人:”他序列邏輯。在操 於電子交易卡3。。和-智慧電子P 7 ’該命令影響溝通介
300和-磁卡讀卡機間。 、置間、或介於電子交易卡 禪I征把憶猫J ，”、 ^ 屬源自電子交易卡移除時， 可能遺失其狀態的記憶體。例如，括s ' 輝發性記憶體3 1 〇可為镇 態存取記憶體（SRAM )。當執行 ’ 丁程式時，揮發性記憶體3 i 〇 可為處理裝置3 0 8所利用。例如， —程式可在執行前拷貝至 揮發性記憶體3 1 〇中。再例如，虛 馬·理裝置308可使用揮發性 記憶體3 1 〇以在執行一程式期間儲存資料。 非揮發性記憶體306代表代表，米步^ 7 r 八表，當電源自電子交易卡移
除時，將不遺失其狀態的記憶體。非揮發性記憶體3〇6可為 任何合適的記憶體形式，例如具有浮空閘極（fl〇ating gate ) 電晶體記憶胞的快閃記憶體。示例包含NOR快閃記憶體、 NAND快閃記憶體和每單位多位元（multibit/cell )快閃記憶 體。 非撣發性記憶體306可保留處理裝置308所執行的程式 命令。例如，在銷售前，一製造商或批發商可設計非揮發性 記憶體306程式具有程式資訊以影響電子交易卡300的運 14 1336449 作。再例如，一智慧電子裝置可經由IED介面 資訊至電子交易卡300。 非揮發性記憶趙306更可保留一處理裝置 置308外）所執行的程式命令。例如，一製造 •經銷商或其他交易過程中的參與者可設計非 3〇6程式具有程式資訊以傳輸至一智慧電子裝 訊可包含裝置驅動器、應用軟體等等。 電子交易卡300可包含一或多電源（未見 如’電子交易卡3 00可包含一電池或一電容器 電容器）^在某些實施例中，可包含一可再充 可再充電的電池可接受充電自一智慧電子裝 槽。在某些實施例中，一電容器可接受充電自 置°該電容器可提供電源至電子交易卡3〇〇使 間執行一交易。另外，該電容器可依一定尺寸 在自一附加槽移除該電子交易卡後，一交易僅 限的時間内，因此可在沒有持卡者同意的情況 竊取的卡片不被使用。並且在某些實施例中， 慧電子裝置移除之後，假如—交易不在一有限 時’電子交易卡300可設計為「休眠」。 電子交易卡3 00可包含—或多整合電路系 理兀件308可在一整合電路系統模組上，且記 整合電路系統模組上。在某些實施例中，所有 含在單一整合電路系統模組上。在某些實施例 電路系統模組可固定於一共同基底上，以提供 3〇4提供程式 (除了處理裝 商、批發商、 揮發性記憶體 置。傳輸的資 於圖示）。例 (例如一超級 電的電池。該 置中的一附加 一智慧電子裝 之有足夠的時 製作以確保， 可執行於一有 下，確保一被 在卡片自一智 的時間内執行 統。例如，處 憶體可在另一 的運作裝置包 中，數種整合 一使用分離模 15 1336449 組的高階整合。任何數量的電路系統整合可在不背離本發b 領域下實行。 電子交易卡300具有尺寸“a”和“b”。在本發明的某些實 施例中，磁條320具有一相當於a的長度；且在某些實施例 中，磁條320具有—少& a的長度。另外，在某些實施例中， a比一標準信用卡的磁條長度（大約三又八 _ 刀二央0十）為 短；且在某些實施例中，a tb-標準信时㈣條長度短的 多。例如’在某些實施例中，a比—標準信用卡磁條長度的 75%紐。另外，在某些實施例中 a比橾準信用卡磁條長 度的50%短。更在某些實施例中， 度的50%短。 卡磁條長 在某些實施射’尺寸a#nM目當於記憶卡的尺寸。例 如’尺寸&和b可與一多媒㈣存卡（MMC)記情卡'一
Mem〇ryStlCkPR〇DU〇記憶卡、或其他記憶卡的尺寸一致。 另外，在某些實施例中，雷子夺且 卡讀卡機的厚度。㈠交易卡3。。具有-適合於一磁 第4圖顯示一電子交易卡和 & 為-具有-相容於_磁卡讀卡磁 子父易卡410 交易卡^的卡片。❹，電子 (第則）Λ (第1因）、電子交易卡咖 (弟2Α圖）、電子交易卡3〇〇 (第 述的電子交易卡。磁卡讀卡冑42 ^任何其他在此描 機》例如1卡讀卡機⑽可作為相容於磁卡的讀卡 存取控制裝置等等的—部分β當二 乂銷售點终端機、一 卡機，依照磁卡讀：：4二=:卡機刷過-磁卡讀 每式讀取頭（未見於圖 16 1336449 示）的位置而定產生一或多時變磁場。 在第4圖中描述的操作中，電子交易卡410刷過磁卡讀 卡機420。在刷取操作的期間，電子交易卡410產生一或多 時變磁場以模擬一磁卡的刷取。例如，在電子交易卡410内 部之一刷卡感測器可偵測第4圖中所描述的刷取動作；且當 電子交易卡410通過一磁卡讀十機420中的磁式讀寫頭時’ 一磁場產生電路系統可產生一戒多時變磁場。 第5圖顯示一智慧電子裝裏、一電子父易卡和一磁卡讀 卡機。當附屬在智慧電子裝置5〇0時’電子交易卡51〇顯示 刷過磁卡讀卡機520»在第5圖中描述的操作表示：當電子 交易卡510耦接至智慧電子裝置5〇〇的一附加槽時，發生一 交易。 第6圖顯示一用於使用一電手交易卡的轉接器。轉接器 600包含一具有尺寸“ w，’和“1，，的實體部位，和一顯示為61〇 的接收部位。轉接器6〇〇可用於换收一電子交易卡於接收部 位610 ’以提供一具有一電子交易卡功能的巨型卡。例如， 在本發明的某些實施例中，尺寸w和丨相容於燕尾式磁卡讀 卡機和一適用此類讀卡機之電子交易裝置的轉接器6〇〇組 合。 接收部位610可包含一相容於一電子交易卡上之連接器 的介面。例如，一電子交易卡可具有一介面，該介面相容於 一電子交易裝置的附加槽和轉接器6〇〇的接收部位6丨〇兩 者。 第7圖顯示具有一電子交易十710耦接於其上的轉接器 17
1336449 600。電子交易卡710包含一如上文所述可放射一或 磁場的磁條。電子交易卡710和轉接器600的組合大 交易卡710的功能使用在轉接器600的巨型因素令。 在某些實施例t ’轉接器600包含主動或被動的 統以支援電子交易卡710的操作。例如，轉接器6〇〇 電子接點、一電池、一整合電路或其他電路β更例如 器600可包含一或多刷卡感測器以提供一刷卡指示至 易卡710。 第8圖顯示一具有一智慧卡介面81〇的轉接器。 圖所代表的實施例中’當一交易利用一電子交易卡需 慧卡讀卡機時，一轉接器可利用於執行該交易。例如 子交易卡可在接收部位820耦接至轉接器8〇〇，且該 易卡可提供對一智慧卡交易有用的資料。 第9圖顯示—具有—智慧卡介面的電子交易卡 易卡900包含電子接點9Q8和91Q。電子接點9〇8
子接點108 (第1圖）。例 帝工吐田L ^ 例如’電子接點908可相 慧電子裝置（例如，智#雷羋肚里1no,e 曰瑟電子裝置108 (第1圖）） 槽。電子接點9 1 0安排作主 作為提供溝通介面至一智慧十 在某些實施例中，雷不〜 电子父易卡900包含一智慧. 一磁條以產生時變墙場。_ 旬。例如’在第10圖中所示 易卡9〇0的背面可包含越條刪。在此所描述的數: 易卡可包含一磁條'—智慧卡介面或其組合。 第11圖顯不一'社八 办， 、。合一電子交易卡的轉接器。 器1100具有電子交易卡〇心1“1〇丄 39卞900耦接在具有尺寸％之 L多時變 ，許電子 電路系 可包含 ，轉接 電子交 在第8 要一智 ，一電 電子交 電子交 當於電 於一智 一附加 |卡機。 介面和 電子交 電子交 示轉换 邊上的 18 一嵌入部位中。在某此 於一知慧+ Μ — ^中，此組態將電子接點910置 於智慧卡讀卡機要求的位置上。 第12圖顯示—具有一接收一 電子交易卡之凹槽的轉接 器。轉接器1200包含一 12ln 3凹槽1210以接收一電子交易卡。在 某些實施例中，凹槽1 2丨〇完全φ 穿過轉接器1200,且在某些 實施例令，凹槽1210係一轉接器12。。正面上的一嵌 分》轉接器12〇〇可接收具有—磁條—智慧卡 者之組合的電子交易卡。 4。亥兩 第13圖顯示—直有一本體 '、有 體1300、-嵌入式部位 ⑴〇和磁條132Q的轉接器。嵌入式部位131〇可接收如 有關第6圖至第7圖所描述之一電 电于交易卡。另外，磁條132〇 可利用於溝通一磁卡讀卡機。例如，轉接器13〇〇可包人一 磁場產生電路（例如，磁場產生電路312 (第3圖））^ 生- S寺變磁場。在操作方面’―電子交易卡可在嵌人式 處耗接至轉接器13〇。，和對-使用—磁卡讀卡機的交易 螆條1320使用之交易資訊。在某些實施例中，―不且有^ 磁條和一智慧卡介面的電子交易卡可在嵌入式部位⑴ 耦接至轉接器1 3 00以實現一使用磁條132〇之交易。 數種顯示在先前圖例中之轉接器可在該轉接器的住何 :置上具有嵌入式部位、凹槽、或磁條而不違背本發明: 秋圍命丨如’在某些實施例中’ 一嵌入式部位可在轉接器之 具有-較小尺寸的邊上；和在其他實施例中一嵌入式部二可 在轉接器之具有一較大尺寸的邊上。再例如，在某些實施例 中，—磁條可在轉接器之具有一較小尺寸的邊上；和在其他 19 1336449 實施例中一磁條可在轉接器之具有一較大尺寸的邊上。 第14圖顯示一電子交易卡。電子交易卡1400.包含磁條 1410和附加槽相容部位1402。附加槽相容部位14〇2包含電 子接點丨408以與一在一智慧電子裝置中之附加槽溝通。例 如，附加槽相容部位14〇2可在物性上和電性上相容於附加 槽110(第1圖）或附加槽21〇(第2A圖）。
電子父易卡1400可包含此間所述的任何電路、特性或 功能。例如，電子交易卡M00可包含磁場產生電路、刷卡 感測器、處理裝置、揮發和非揮發性記憶體、數種介面番 子接點。 電子交易卡1400顯示具有磁條141〇沿著一具有尺寸“广 的邊緣上。在某些實施例中，電子交易卡14〇〇可具有磁條 1 4 1 0沿著一邊緣（除了顯示在第1 4圖中之邊緣外）。
在操作方面’類似於顯示在第5圖中之操作，當刷過— 磁卡讀卡機時，電子交易卡14〇〇可朝左耦接至一電子交易 裝置。另外，類似於顯示在第4圖中之操作，電子交易卡14〇〇 可在刷過一磁卡讀卡機之前自一智慧電子裝置上移除。 第15圖顯示一電子交易卡和一轉接器的組合β電子交 易卡1400和轉接器15 00的組合形成一如之前參考圖例所示 具有尺寸“w”和“1”的卡片。該組合卡片可適用於燕尾式磁卡 讀卡機。 第16圖顯示一電子交易卡和轉接器1610的組合插入至 一燕尾式磁卡讀卡機。如第16圖所示，該燕尾式磁卡讀卡 機為一自動出納機（ATM)的一部份，但本發明並不偈限於 20 1336449 此。例如，燕尾式磁卡讀卡機可為—銷售點裝置、一進出裝 置或任何可結合一燕尾式磁卡讀卡機之其他形式裝置的一 部份。 第17圖顯示一電子交易卡和轉接器的組合刷過一磁卡
讀卡機轉接器17丨〇和電子交易卡丨720顯示刷過堵卡讀卡 機173〇電子父易卡1720可為任何描述於此的電子交易卡 實施例。例如，電子交易卡1 720可包含一磁條、一智慧卡 介面或該兩者的組合。雖然轉接器171〇顯示為一具有一嵌 式。P位在邊上的轉接器，在第17圖中轉接器/卡片組合 表不任何在此描述的任何轉接器/卡片組合。例如轉接器 1710可為下列任何—種：轉接器ό〇〇(第6圖、第7圖）、 轉接器8〇〇(第8圖）、轉接器1⑽（第η圖）、轉㈣ 1 200 (第12圖）、轉接器13(第13圖）或轉接器⑽（第 第18圖顯示—金融交易卡。金融交易卡1 800包含磁條 金融交易卡電路剛、記憶卡模擬電路系統 和 :憶卡相容介面⑽。金融交易卡聊係、_可為—# 卡-。可為—轉二二易卡。金融交易 交易目的發行的卡片。 金蛐 金融交易卡電路剛與_丨隨作用 相容於-磁卡讀卡機。例 -變磁场 _可提^交易卡電路刪和磁條 刪更包含^卡父易資料至~销售點終端機。金融交易卡 。心卡核擬電路系統1 806以模擬一記憶卡的操 21 1336449 作。記憶卡模擬電路系統1 8 Ο 6與記憶卡相容介面1 8 〇 8的組 合允許金融交易卡1800執行為一記憶卡。例如，記憶卡相 容介面1 808可相容於一在一智慧電子裝置之一附加槽中的 記憶卡介面。 第1 9圖顯示一記憶卡。记憶卡1 9 〇 〇包含記憶卡相容介 面193〇、記憶卡電路192〇、金融卡模擬電路系統191〇和礤 條1 9 0 2。s己憶卡1 9 0 0係一可為記憶卡製造商或專門销售電 子週邊電路裝置的製造商製造和銷售之卡片的示例。藉由包 含金融卡模擬電路系統1Ρ10和磁條丨9〇2在記憶卡BOO中， s己憶卡1 900的製造商可加入客戶所要求的特性。例如’磁 條19〇2和金融卡模擬電路系統191〇的組合可模擬一金融卡 例如一信用卡、一轉帳卡、儲值卡等等的操作。 第2〇圖顯示一記憶卡和電子夺思本Λ r ^卞父易卡組合的方塊圖。卡 片2000包含記憶體2010、處理元侔^ t 处王几仵2020、磁性/智慧卡電路 系統2〇3〇、讀卡機介面204〇、記怜 。已隐卞電路系統2050和記憶 卡槽相谷介面2060。處理元件2〇2〇 ότ 叶可為任何適用於與記憶 體2010和其他在第20圖中所示之古 7下，方塊溝通的處理元件。磁 性/智慧卡電路系統2030可包含雷说立 3電路以產生時變磁場或相容 於一智慧卡讀卡機的訊號。讀卡棬 s下横；"面2040可包含一如上 文所述的磁條、或可包含電子接 點相谷於—智慧卡讀卡機。 記憶卡電路系統20 5 〇可為任何 心式為一智慧電子裝置所存 取的記憶電路系統》該智慧電子 裝置可經由記憶卡槽相容介 面2060存取記憶卡電路系統2〇s〇。 記憶體2010顯示具有卡片私抽。 軟體2012和應用軟體2014。 22 1336449 在某些實施例中，卡片2000以在記憶體20 i 〇中具有卡片軟 體20 1 2和應用軟體20 1 4的方式銷售和批發。例如，記憶體 2010可為具有用於處理元件2〇2〇所執行之卡片軟體2〇12的 非揮發性記憶體。再例如，記憶體2 〇丨〇可具有可被安裝至 一裝置（除了卡片2〇〇〇外）上的應用軟體2〇14。應用軟體 2〇 Μ可包含驅動器、使用者介面軟體、個別交易帳號（STAN) 產生軟體或任何其他可安裝至一裝置（除了卡片2〇〇〇外） 的軟體。 應用軟體2014可在多重操作系統上之多重語言的任何 —種中操作。例如，應用軟體2014可提供—使用者介面在 任何地區語言中。再例如，應用軟體2〇14可執行在任何作 業系統（0 S )上。 第21圖顯不一卡片2000 (第20圖）可如何被利用的方 塊圖。一卡片發行者2110可發行卡片2〇〇〇至一持卡者 213〇。當為卡片發行者2110所發行時，卡片2〇〇〇可包含如 第21圖所示之卡片軟體和應用軟體。持卡者213〇可結合卡 片2〇〇〇至智慧電子裝置214〇和安裝應用軟體於該智慧電子 裝置上。例如，智慧電子裝置2140可為一可執行應用軟體 行動電話，和卡片2000可支援應用軟體安裝於該行動電話 上。再例如’智慧電子裝置2140可為一非電話式裝置，例 如：—個人數位助理（PDA)、或其他專用軟體，可在—附 加槽中接收卡片2000。 第22圖顯示一記憶卡和電子交易卡組合的一方塊圖。 卡片2200包含處理裝置2020、磁性/智慧卡電路系统 23 1336449
203 0、讀卡機介面2040、記憶卡電路系統2050和記 槽相容介面2〇60，所有這些皆參考第20圖所描述的 片 2200更包含非揮發性記憶體 2210和揮發性記 2220。如第22圖中所示，非揮發性記憶體2210包含 軟體22 12以為處理元件2020所執行。再如第22圖 示，卡片2200包含具有金融交易資料2222儲存於其 揮發性記憶體222〇。金融交易資料2222可藉由處理 器2020輸入至揮發性記憶體222〇，以對來自一智慧 裝置的溝通產生反應，該智慧電子裝置耦接至記憶卡 容介面2060。例如，一行動電話執行個別交易帳號產 體可提供一個別交易帳號作為金融交易資料，該資料 存在揮發性記憶體22 20中以作為一交易的準備。在其 施例中，金融交易資料2220表示磁性/智慧卡電路 2030和讀卡機介面2040的組合產生二、三、四或更 時變磁場。 第23圖顯示一電話和--^片的方塊圖。電話2310 一手機，和卡片2350可為任何一種在此敘述的電子交 實施例。電話2310包含顯示器2：312、處理器2314、個 易帳號（STAN)產生軟體23 16和授權軟體2318。卡片 包含處理器2352、卡片軟體2354、金融交易資料2356 售點（POS)介面2358。 當卡片2350插入在一記憶槽中時，個別交易帳號 軟體23 16可被安裝在電話23 10上。例如，現在回頭參 20圖和第21圖’ STAN產生軟體23 16可結合至應用 憶卡 。卡 憶體 卡片 中所 中的 調正 電子 槽相 生軟 被儲 他實 系統 多的 可為 易卡 別交 23 50 和鎖 產生 考第 軟體 24 1^36449 4授權軟體2318僅可允許授權的使用者存取電話23 10 和/或卡片2350 »
在操作方面，一使用電話231〇的使用者可藉由達到授 權軟體的要求而獲得存取特性。使用STAN產生軟體幻Η 時，一使用者可產生金融交易資料23 56，該資料保存在卡片 2350上以為一交易作準備。卡片235〇接著可使用銷售點介 面23 5 8與一讀卡機交流以達成—交易。此交易可隨著卡片 2350耗接至電話231〇或退耦自電話231〇而達成。另外當 卡片2350耦接至任何—種在此敘述的轉接器實施例時可 達成使用卡片23 50的交易。 下列各段落對本發明數種實施例提供更進一步的揭 露。每一實施例完整地定義於對應段落的詳述中，和對於特 殊實施例而言，沒有其他元件是必須考慮的。該實施例包含： A. 一設備包含： 一磁條，用於與一磁卡讀卡機溝通；和 一介面，用於與一智慧電子装置溝通；其中該裝置
具有小於一信用卡的尺寸。 A 1. A項的設備’其中該磁條包含電路系統用於產生至 少一時變磁場。 Α2· A項的設備，其中該介面相容於一在智慧電子裝置 中的附加槽。 A3 . A2項的設備，其中該介面包含一記憶體和介面。 Α4· A項的設備更包含一耗接炱該介面和至該磁條的 處理元件。 25 1336449 A5 . A4項的設備更包含一記憶元件以保存用於磁條的 可程式資訊。 A6. A4項的設備更包含一嵌入式刷讀感測器用以感測 該磁條何時刷過一磁卡讀卡機。 A7. A項的設備更包含一可為智慧電子裝置存取的非 揮發性記憶體。 B · —金融卡包含·· 一銷售點相容的電子交易磁條；
一記憶卡相容介面；和 耦接至該記憶卡相容介面的記憶卡模擬電路系統。 C. 一記憶卡包含： 一記憶卡相容介面； 一銷售點相容電子交易磁卡；和 耦接至銷售點相容電子交易磁條的金融卡模擬電路 系統。 D. —金融卡設備包含：
一銷售點相容部位，其具有一磁條以與一銷售點交 易裝置溝通；和 一記憶卡相容部位，其具有至少一電子接點以與一 在一智慧電子裝置中的記憶卡槽溝通。 E. —記憶卡包含： 一記憶卡介面，其可用於耦接記憶卡至一智慧電子 裝置； —非揮發性記憶裝置，其可經由該記憶卡介面存 26 1336449 取；和 一磁卡，其可用於與一磁卡讀卡機溝通。 F. —記憶卡包含： 一記憶卡槽介面；和 電路系統，其用於產生一相容於一磁卡讀卡機之時 變磁場。 F 1. F項的記憶卡，其中安裝電路系統以產生相容於一銷 售點交易裝置的複數時變磁場。
G. —設備包含： 用於經由在一智慧電子裝置中之一記憶卡槽溝通的 方法； 用於產生至少一時變磁場以表示金融交易資料的方 法；和 用於儲存該金融交易資料的方法。 H. —卡片包含： 一記憶卡相容介面； 一智慧卡相容介面；和
一磁條，其用以產生至少一相容於一磁卡讀卡機的 時變磁場。 I. 一記憶卡相容於一行動電話中的一記憶卡槽，該記 憶卡包含該行動電話可存取的非揮發性記憶體、一 用於溝通一銷售點終端機的銷售點介面和保存金融 交易資料的揮發性記憶體。 11. I項的記憶卡，其中該銷售點介面包含電路系統以產 27 1336449 生至少一時變磁場β 12.11項的記憶卡更包含一處理裝置，該裝置耦接至該 非揮發性記憶體、撣發性記憶體和銷售點介面。 J. 一電子金融交易裝置，其具有一相容於一銷售點讀 卡機的厚度 '一小於一信用卡寬度的寬度、一小於 一信用卡長度的長度，一沿著該長度座落的電性可 程式磁條和至少一電子接點以提供一介面至一智慧 電子裝置。
J1.J項的電子金融交易裝置，其中至少一電子接點包含 一相容於智慧電子裝置中之一記憶卡槽之記憶卡介 面。 J2.J項的電子金融交易裝置，其中電性可程式磁條包含 一電路以模擬一在一信用卡中的磁條。 J3 . J2項的電子金融交易裝置更包含一刷卡感測器以偵 測該電子金融裝置何時刷過一銷售點终端機。 Κ. 一卡片包含： 用於儲存金融交易資料的方法；
用於溝通在一智慧電子裝置中之一記憶卡槽的方 法；和 用於產生一時變磁場的方法，該磁場表示該金融交 易資料。 Κ1.Κ項的卡片，其中用於儲存金融交易資料的方法包 含揮發性記憶體。 Κ2.Κ項的卡片，其中該金融交易資料包含一個別交易 28 1336449 帳號。 K3.K項的卡片更包含一處理裝置，其耦接以讀取金融 交易資料和影響用於產生一時變磁場方法的操作。 L.為A-K項任何一種使用之一轉接器，該轉接器包含： 一本體部位，其具有大於 A-G項之尺寸的外部尺 寸；和
一接收部位，其用於接收A-G項任何一種，其中該 接收部位位於該本體部位上以暴露A-G項任何一種 以使用在磁卡讀卡機交易中。
Ml. 一設備包含一尺寸相容於一燕尾式磁卡讀卡機的 本體部位，其中該本體部位包含一記憶卡相容區域 用以接收一具有磁條功能的記憶卡。
Ml. Μ項的設備更包含一智慧卡介面。 M2. Μ項的設備更包含至少一耦接至記憶卡相容區域 部位的電子元件，以交流該記憶卡。 M3. Μ項的設備，其中該記憶卡相容區域包含一嵌入 式部位至少於該設備的一邊。
Μ4. Μ項的設備，其中記憶卡相容區域包含至少一金 屬接點在該設備中之一凹槽周圍上。 Ν. —金融卡伴隨一磁卡讀卡機使用在一銷售點，該金 融卡包含一記憶卡介面以允許該金融卡插入至一行 動電話的一記憶卡槽中，且包含一相容於該磁卡讀 卡機之磁條，其中該磁條短於一磁性信用卡磁條。 0. —相容於一磁卡讀卡機和相容於一智慧電子裝置上 29 1336449 之記憶體槽的卡片，該卡片包含可安裝在該智慧電 子裝置上的軟體。 01. 0項中的卡片，其中該軟體包含一用於產生個別交 易帳號的模組。 02. 01項中的卡片，其中該軟體安裝以執行在一行動 電話上。 03. 0項中的卡片，其中該卡片包含： 一記憶卡槽相容部位；和
一磁卡讀卡機相容部位。 04. 03項中的卡片，其中該磁卡讀卡機相容部位包含 電路系統，用以產生至少一用於使用在一金融交易 中的時變磁場。 P. —卡片包含： 一記憶卡介面，其機械相容於一智慧電子裝置中的 一記憶卡槽；
一處理裝置，其耗接至該記憶卡介面；和 電路系統，其用於產生一相容於一銷售點裝置的時 變磁場。 Q--^片包含： 一記憶卡介面，其電性相容於一智慧電子裝置中的 一記憶卡槽； 一處理裝置，其耦接至該記憶卡介面；和 電路系統，其用於產生一相容於一銷售點裝置的時 變磁場。 30 1336449
Ql. P-Q項卡片的任何一種更包含經由記憶卡介面接 觸的非揮發性記憶體。 Q2. P-Q項卡片的任何一種更包含保存金融交易資訊 的揮發性記憶體。 Q3. P-Q項卡片的任何一種更包含一軟體元件，其當為 處理裝置執行時，導致電路系統產生至少一表示該 金融交易資訊的時變磁場。
Q4. P-Q項卡片的任何一種更包含一可見的磁條，在該 磁條中至少放射一時變磁場。 Q5. P-Q項卡片的任何一種更包含一電池。 Q 6. P-Q項卡片的任何一種更包含一電容以提供電力 至該卡片。 Q7. Q項卡片，其中該卡片具有一相當於一信用卡的尺 寸。 R. —信用卡大小的轉接器用於接收P-Q項的任何一種 卡片。
R1.R項的轉接器，其中該信用卡大小的轉接器包含一智 慧卡介面。 R2.R項的轉接器，其中該轉接器包含一具有一寬度的第 一邊緣和一具有一長度的第二邊緣，其中該第二邊 緣包含一嵌入式部位用以接收該卡片。 R3.R項的轉接器，其中該信用卡大小的轉接器包含一具 有一寬度的第一邊缘和一具有一長度的第二邊緣* 其中該第一邊緣包含一嵌入式部位用以接收該卡 31 1336449 片° S . 一金融卡和記憶卡凹槽的組合包含： 電子接點，用於提供一介面至一行動電話； 一交易磁條，用以提供至少一表示交易資訊的時變 磁场'， 一處理裝置；和
一軟體元件，用以自該行動電話接收該交易資訊； 其中該電子接點提供於該金融卡和記憶卡凹槽.組合 的本體部位上，其中該記憶卡凹槽具有一相容於一 記憶卡槽的尺寸。 S1.S項的金融卡和記憶卡凹槽組合更包含一應用軟體 元件以安裝至該行動電話。 T. 在組合方面： 一記憶卡，其具有一相容於一磁卡讀卡機交易磁 條；和 一信用卡大小的轉接器，用以接收該記憶卡和接觸 用於使用在磁式讀卡機交易中的該磁條。
U. 在組合方面： 一記憶卡，其具有一相容於在一行動電話中之一記 憶卡槽的介面和一智慧卡介面；和 一信用卡大小的轉接器，用以接收該記憶卡和接觸 用於使用在智慧卡交易中的智慧卡介面。 V. —金融交易卡系統包含： 一行動電話，其具有一記憶卡槽； 32 1336449 一相容於該記憶卡槽的記憶卡，其117該記憶卡包含 電路系統用以傳送金融交易資料至銷售點裝置；和 一軟體元件，其用以產生個別交易帳號作為金融交 易資料。 W. —系統包含： 一可裝載的智慧電子裝置，其具有一卡槽；和 一卡片，其包含一卡槽介面和電路系統用以產生一 相容於一磁卡讀卡機的時變磁場。
雖然本發明敘述為關連於某些實施例，應瞭解，在不背 離本發明的精神和範圍下，熟習該項技藝者可聯想到變更和 修改。這類的變更和修改可根據本發明的範圍和後附的專利 中瞭解。 【圖式簡單說明】 第1圖、第2A圖和第2B圖顯示智慧型電子裝置和電子 交易卡；
第3圖顯示一電子交易卡的一方塊圖； 第4圖顯示在一磁卡讀卡機之一電子交易卡； 第5圖顯示一智慧型電子裝置和卡片在一讀卡機中； 第6圖至第8圖顯示用於使用電子交易卡的轉接器； 第9圖和第10圖顯示一具有一智慧卡介面的電子交易 卡； 第11圖顯示一結合一電子交易卡的轉接器； 第12圖顯示一具有一孔徑以接收一電子交易卡的轉接 33 1336449 32 · 69 > 第1 3圖顯示另一種轉接器實施例； 第14圖顯示一電子交易卡； 第15圖顯示一電子交易卡與轉接器的組合； 第16圖顯示一示例燕尾式讀卡機； 第17圖顯示一電子交易卡與轉接器的組合刷過一磁卡 讀卡機； 第18圖顯示一金融交易卡；
第1 9圖顯示一記憶卡； 第20圖顯示一結合記憶卡和電子交易卡的方塊圖； 第21圖顯示一如何使用一卡片的圖示； 第22圖顯示一結合記憶卡和電子交易卡的方塊圖；和 第23圖顯示一電話和一卡片的方塊圖。 【主要元件符號說明】 102智慧型電子裝置 104電子交易卡
108 電子接點 1 1 0 附加槽 202智慧電子裝置 2 1 0 附加槽 220電子交易卡 2 2 2 磁條 34 1336449
230智慧電子裝 240電子交易卡 300 電子交易卡 3 0 2 電子接點 3 04智慧電子裝 3 0 6 非揮發性記 3 0 8處理裝置 3 1 0揮發性記憶 3 1 2磁場產生電 3 1 4刷卡感測器 3 2 0磁條 410 電子交易卡 420 磁卡讀卡機 5 0 0智慧電子裝
(IED) 體 糸統 5 10 電子交易卡 520 磁卡讀卡機 600轉接器 6 1 0 接收部位 710 電子交易卡 800轉接器 8 1 0 智慧卡介面 820接收部位 900電子交易卡 908 電子接點 35 1336449 9 1 0 電子接點 1 Ο 1 0 磁條 1 100轉接器 1 200轉接器 1210 凹槽 1 3 0 0 本體部位 1 3 1 0 嵌入式部位 1 320 磁條
1400電子交易卡 1402 附加槽相容部位 1 4 0 8 電子接點 1 4 1 0 磁條 1 500轉接器 1610轉接器 1710轉接器 1720 電子交易卡
1 730 磁卡讀卡機 1 800 金融交易卡 1 8 02 磁條 1 804 金融交易卡電路 1 806記憶卡模擬電路系統 1 8 0 8 記憶卡相容介面 1900 記憶卡 1902 磁條 36 1336449 1 9 1 0 金融卡模擬電路系統 1920 記憶卡電路 1 930 記憶卡相容介面 2000 卡片 20 10 記憶體 2012卡片軟體 2014 應用軟體 2020 處理元件
203 0.磁性/智慧卡電路系統 2040 讀卡機介面 2050 記憶卡電路系統 2 0 6 0 記憶卡槽相容介面 21 10卡片發行者 2 1 3 0持卡者 2 140智慧電子裝置 2200 卡片
22 10非揮發性記憶體 2212卡片軟體 2220揮發性記憶體 2222金融交易資料 23 10 電話 23 12 顯示器 23 14 處理器 23 16個別交易帳號（STAN)產生軟體 37 1336449 資料 POS )介面 23 18授權軟體 2350 卡片 2 3 5 2 處理器 23 54卡片軟體 23 56 金融交易 23 58 銷售點（
38

Claims (1)

1336449
. I r *： —； ·，.._：，.--. j·?. ； ί-r t. .-*r?r：.τ*.ί· Π v.*v *?. \trs^··. hir'*'-c ZLir t3- 检申讀嘍_:第塌 1. 一種相容於一行動電話中之一記憶卡槽的記憶卡，該記 憶卡包含：可由該行動電話所存取的非揮發性記憶體、 一用於溝通一銷售點（POS)終端機的銷售點介面和保存 金融交易資料的揮發性記憶體，其中該銷售點介面接收 來自該行動電話的電力。
2. 如申請專利範圍第1項所述之記憶卡，其中該銷售點介 面包含系統電路，用以產生至少一時變磁場。 3. 如申請專利範圍第2項所述之記憶卡更包含一處理裝 置，其耦接至該非揮發性記憶體、揮發性記憶體和銷售 點介面。 4. 如申請專利範圍第1項所述之記憶卡，其中該銷售點介 面包含一電子磁條（electronic strip)，其可模仿一磁性磁 條（magnetic strip) 〇
5. 如申請專利範圍第4項所述之記憶卡，更包含一嵌入的刷 讀感測器，用以感測該電子磁條何時刷過銷售點終端機。 6. 如申請專利範圍第1項所述之記憶卡，其中該銷售點介 面包含一智慧卡介面。 7. 如申請專利範圍第1項所述之記憶卡，更包含用於安裝在 行動電話上的軟體。 8. 如申請專利範圍第7項所述之記憶卡，其中該軟體包含 一用於產生個別交易帳號的模組。 9. 一種用於執行一金融交易的設備，其包含： 39 i1336449
溝通元件，其用於經由在一智慧電子裝置中之一記 憶卡槽而進行溝通； 產生元件，其用於產生至少一表示金融交易資料之 時變磁場，其中該產生元件接收來自該記憶卡槽的電 力：和 儲存元件，其用於儲存該金融交易資料。 10.如申請專利範圍第9項所述之設備更包含用於安裝在該 i
智慧電子裝置的軟體。 1 1 ·如申請專利範圍第1 0項所述之設備，其中該軟體包含一 用於產生個別交易帳號的模組。 12. 如申請專利範圍第1 1項所述之設備，其中設定該軟體以 在一行動電話中執行。 13. 如申請專利範圍第9項所述之設備^更包含非揮發性記憶 體，其可藉由上述經由一記憶卡槽而進行溝通的溝通元 件來存取。
1 4.如申請專利範圍第9項所述之設備，更包含感測元件，以 / 感測該記憶卡是否已刷過一磁卡讀卡機。 15. —種電子交易卡，其包含： 一記憶卡槽介面；和 電路系統，其係由該記憶卡槽介面供電且用於產生 一時變磁場。 16. 如申請專利範圍第15項所述之電子交易卡，其中設定該 電路系統以產生相容於一銷售點交易裝置的複數時變磁 40 1336449 丨 99「7:-β -— I $月曰修便)正替換頁 ___ 場。 17·如申請專利範圍第16項所述之電子交易卡’更包含可經 由該記憶卡槽介面來存取的非揮發性記憶體。 18. 如申請專利範圍第15項所述之電子交易卡，更包含：一 處理裝置，其耦接至該記憶卡槽介面和用於產生一時變 磁場的該電路系統。
19. 如申請專利範圍第18項所述之電子交易卡’更包含一軟 體元件，其當由該處理裝置所執行時，導致該電路系統 產生該時變磁場。 20. 如申請專利範圍第18項所述之電子交易卡’更包含軟 體，其係可被傳輸至該電子交易卡以外的一裝置。 41
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