WO1990013096A1 - Carte de credit a circuits integres, avec possibilite de communications - Google Patents

Carte de credit a circuits integres, avec possibilite de communications Download PDF

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Publication number
WO1990013096A1
WO1990013096A1 PCT/US1990/001511 US9001511W WO9013096A1 WO 1990013096 A1 WO1990013096 A1 WO 1990013096A1 US 9001511 W US9001511 W US 9001511W WO 9013096 A1 WO9013096 A1 WO 9013096A1
Authority
WO
WIPO (PCT)
Prior art keywords
credit card
card
point
credit
circuitry
Prior art date
Application number
PCT/US1990/001511
Other languages
English (en)
Inventor
Don G. Hoff
Original Assignee
At&E Corporation
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 At&E Corporation filed Critical At&E Corporation
Publication of WO1990013096A1 publication Critical patent/WO1990013096A1/fr

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—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
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07701—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction
    • G06K19/07703—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being visual
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G06Q20/3415—Cards acting autonomously as pay-media

Definitions

  • the present invention relates to credit cards and more
  • One problem with present day systems is that the store clerk or merchant is put in jeopardy when he must tell the card holder that the card is not valid or that credit is refused. The communication of such information to the card holder may precipitate a violent reaction.
  • One aspect of the present invention is that it minimizes the need for the merchant or clerk to discuss whether or not a card is valid.
  • the first credit cards that came into widespread use were simply plastic cards with raised lettering.
  • the raised lettering provided a means to manually imprint credit card vouchers.
  • Later credit cards were developed that included a magnetic stripe on the card.
  • the magnetic stripe provides a means whereby a terminal can automatically read information directly from the credit card. Such cards are in widespread use today.
  • Smart Cards generally includes a microprocessor, a read only memory (ROM) , a programmable read only memory (PROM) and a random access memory (RAM) .
  • Smart Cards do not have any built-in devices which can be used to manually provide data to the card's internal microprocessor. Smart Cards must interact directly with electronic terminal equipment in order to provide data or information to the circuitry inside the card.
  • Smart Cards generally do not include any built-in devices which can display information stored in the card. In order to interrogate or update a card's "open to buy" status the Smart Card must interact with relatively expensive transaction support equipment. The widespread use of Smart Cards has been somewhat inhibited by the need to use relatively expensive terminal equipment connected to a central computer each time the information in the card is interrogated or updated.
  • the above referenced Spectrum article also describes a relatively new development, termed a "Very Smart Card”.
  • the Very Smart Cards described in the Spectrum article include a keyboard that makes it possible to manually input data or information into the circuitry inside the card.
  • Very Smart Cards also include a display so that the card can be manually interrogated to determine information stored therein such as its "open to buy" status.
  • the Very Smart Cards described in the referenced Spectrum article are the size of a conventional credit card (554.0 by 85.6 by 0.76 millimeters) and they include embedded therein a battery, a central processing unit (CPU) , 16,000 bytes of ROM, 8,000 bytes of RAM, a real-time clock and calendar, a keyboard, a controller, a transducer that emulates a magnetic stripe, and electrical contacts that can interact with contacts in a terminal.
  • CPU central processing unit
  • Very Smart Card were designed to eliminate the need for a direct interaction with an expensive terminal each time one wanted to update a card's "open to buy" information.
  • the bank With a Very Smart Card, each month when the issuing bank furnishes the cardholder with a monthly statement, the bank also provides the card holder with a set of numbers. The card holder is instructed to key the set of numbers into the associated Very Smart Card. The numbers which are keyed into the card update the card's "open to buy" status. Thus the bank can reset the usage limits according to the user's payment behavior. If the user is traveling and has not received a statement with the new set of numbers for the card, the card holder can take the card to any member bank, where it is inserted into a terminal and the appropriate set of numbers is downloaded into the card. As with conventional cards, various operations in a Very Smart Card are protected by requiring the use of a Personal Identification or PIN number.
  • the Very Smart Card is a significant improvement over the Smart Card; however, the need to periodically manually key a new set of numbers into the card is a distinct limitation of the Very Smart Card. Futher ore, if a Very Smart Card is stolen, there is no way to deactivate the card until it is inserted into a terminal that is connected to a central computer.
  • the present invention provides an improved credit card which utilizes point to point radio communication to provide an indication of whether a card is valid.
  • a credit card built in accordance with the present invention includes integrated circuitry which can process data combined with integrated circuitry which provides point-to-point radio communication.
  • the circuitry for processing data can be relatively simple electronic circuitry that merely activates an indication of whether or not the card is valid or it can be computer type circuitry such as the circuitry in what are generally termed Very Smart Credit Cards.
  • the point-to-point communication circuitry can be time slot protocol paging circuitry such as that in certain time slot protocol radio pagers.
  • the present invention makes it possible to update or deactivate a credit card from a remote location by sending signals over the communication channel.
  • a card can be deactivated or updated even while the card is in the user's pocket or wallet.
  • the communication channel can be used in conjunction with the clock in the card to insure that the card is automatically deactivated if a new radio communication which re-authorized the card is not received within preset time limits. This prevents a thief from inhibiting deactivation of the card by shielding it from radio communications.
  • Figures 1A and IB show perspective views of the inside and outside of a first embodiment of a credit card built An accordance with the present invention.
  • Figure 2A shows the outside appearance of a second embodiment of a credit card which includes the present invention.
  • Figure 2B is an exploded perspective view of a second embodiment of a credit card built in accordance with the present invention.
  • Figure 3 is a diagram of the overall system of the present invention.
  • Figure 4 is a block diagram of the circuitry in a credit card build in accordance with the present invention.
  • Figure 1A shows the back substrate 5 and with four electronic elements 1 to 4 mounted thereon.
  • Figure IB shows a top cover 6 which has a window 7 and normal raised lettering 8.
  • cover 6 is mounted on substrate 5, the resulting structure has the dimensions of a conventional credit card, namely, 554.0 by 85.6 by 0.76 millimeters
  • Electronic elements 1 to 4 are mounted within the credit card in a conventional manner such as the electronic elements are mounted in a Smart Card.
  • backplate 5 can be a printed circuit board with electrical lines thereon and electronic elements 1 to 4 can be surface mounted and connected to circuit lines on backplate 5.
  • Element 1 is a point to point radio receiver which has an associated loop antenna la.
  • the radio receiver 1 and the antenna la are built to receive messages or signals transmitted from commercial radio stations as an FM subcarrier in accordance with the time slot protocol described in Patent 4,713,808 Gaskill et. al., or in copending application serial number , filed .
  • other point-to-point communications technologies could be used. The details of how information is sent to receiver 1 will be described later with reference to Figure 3 and 4.
  • Logical circuitry 2 can be a conventional gate array that receives and decodes signals from radio receiver 1 and which activates a display 4. Elements 1,2, and 4 are powered by a conventional watch battery 3.
  • the display 4 can be a simple display that is either blank or which activates a simple icon in response to signals from radio receiver 1.
  • the display 4 can either display the words VALID or VOID.
  • the logic in block 2 can include a timer which switches the display to VOID if an appropriate signal is not received via point to point receiver 1 within a preset interval. In a ⁇ ystem where the card has a high credit limit such an interval might be set to one hour or less.
  • the display might normally be set to VALID except when a signal is received indicating that the display should be switched to VOID.
  • the card shows on its face as to whether or not it is valid.
  • the clerk need not communicate this information to the card holder. This minimizes the danger to the clerk who is handling the transaction. There is no need for the clerk to look up information or for the clerk to take any action.
  • the card can on its face show whether or not it is valid.
  • the valid or invalid indication can be activated from a remote location in an automatic fashion when the bank's computer determines that the cards limit has been exceeded. Alternatively, if a card is stolen or lost, the indication can be activated by a telephone call to the bank which in turn would activate the point to point communication device with the appropriate message.
  • the point to point communication device 1 merely need receive a message and provide a set of signals to logic circuit 2.
  • Logic circuit 2 in turn decodes the message into an ON of OFF condition for the display 4.
  • Logic for converting a binary message from a receiver 1 into control signals is well know and will not be explained in detail. The details of receiver 1 are shown in Figure 4 and will be explained in more details with reference to the second embodiment of the invention.
  • FIG. 2A and 2B An alternate embodiment of the present invention adapted for use in a credit card 10 is shown in Figures 2A and 2B.
  • the dimensions of the card 10 are conventional, that is, the card is 554.0 by 85.6 by 0.76 millimeters.
  • the card 10 includes a keyboard 11 and a display 12 that are similar to the keyboard and display included in the Very Smart Card described in the previously referenced Spectrum article.
  • FIG 2B shows in a diagrammatic exploded view the internal structure of the card 10.
  • a number of integrated circuits 21 are mounted inside the card on a backplane 24.
  • An antenna 22, and a display 12 are also mounted on backplane 24.
  • the circuitry is covered with a sheet 25. The details of the circuitry 21 inside the card will be explained later with reference to Figures 3 and 4.
  • the details of mounting the integrated circuits 21 inside the card are not specifically shown since these are conventional and can be similar to the structure of known Smart and Very Smart Cards.
  • the numeral 21 designates all of the integrated circuits inside the card.
  • the details of how the circuits are interconnected is shown in Figure 3 and 4.
  • the manner of mounting the circuits 21 on backplate 24 can be conventional.
  • the integrated circuits 21 can be surface mounted on a printed circuit board 24 which forms the back of the card.
  • the circuits can then be encapsulated with conventional encapsulating material and the entire assembly covered with a top sheet 25 which will form the top or front of the card.
  • Circuitry 31 is a point-to-point radio receiver and circuitry 32 is relatively conventional computer circuitry of the type found in Smart and Very Smart cards. Additional detail concerning the circuitry is shown in Figure 4 and will be explained later with reference to Figure 4.
  • the radio receiver 31 and the antenna 22 are built to receive signals transmitted from commercial radio stations as an FM subcarrier in accordance with the time slot protocol described in Patent 4,713,808 Gaskill et. al., or in copending application serial number , filed .
  • Other point-to-point communications technologies could be used.
  • the credit card 10 is designed to operate in a system where credit authorization information is communicated to the card via the point-to-point radio receiver 31.
  • a computer 34A in a bank or clearing house 34 would contain the principal accounting records.
  • the computer in the bank 34 would be programmed to generate credit limits for each card monitored by the system. These credit limits would be used to calculated "open to buy" values for each credit card.
  • the "open to buy" value is coded into a sequence of digits similar to the sequence of digits that must be manually keyed into what are termed Very Smart ( Cards.
  • the sequence of digits generated by the computer 34A in bank 34 are sent to a subcarrier generator 35 which can be similar to the subcarrier generator described in the previously referenced patent and patent application.
  • the subcarrier generator 35 in turn send the information to FM radio transmitter 36 which broadcasts these digits as part of a time slot message.
  • the information broadcast by radio station 36 is received by receiver 31.
  • the broadcast protocol can be similar to that described in the previously referenced patent so that a particular sequence of numbers can be directed to one and only one credit card.
  • a card's "open to buy" limits can be updated without the necessity of the operator keying a number into the card.
  • the computer 34A can receive a loss notification report by telephone 33 and very quickly send out a message that deactivates that particular credit card.
  • the cost to companies of fraud perpetrated by lost or stolen credit cards is very high.
  • the ability to quickly deactivate a credit card is a distinct advantage. With the present invention, a credit card can be deactivated while it is in a thief's pocket without any action or notice to the thief.
  • One possible alternate embodiment of the present invention is a system that includes either an alarm or a radio transmitter in a credit card.
  • the point-to-point communication device could be used to activate the radio transmitter which could then be used to locate the thief.
  • the point-to-point communication device could be used to set a control in the card so that the next time the thief tries to use the card, a message will be given to the merchant indicating that the card was stolen.
  • Another alternate embodiment of the invention provides means whereby normal paging messages such as "call 444- 1212" can be displayed on display 12.
  • the credit card 10 can also serve as a point-to-point paging receiver of the type shown in the previously referenced patent and patent application.
  • the computer inside the credit card can easily be programmed to perform the desired functions. For example, if desired, the computer can periodically interrogate the clock and put an appropriate note on the display if the "open to buy" status has not been updated within a specified period.
  • FIG. 4 shows additional detail of the circuitry inside the credit card.
  • the circuitry is divided into two parts.
  • the first part of the circuitry designated 32 is similar or identical (except for programming) to the circuitry in what is termed a Very Smart Card.
  • This circuitry includes I/O contacts 41, serial I/O 42, a central processing computer 43, an I/O device 44 with an associated magnetic transducer 47 and a keyboard 11.
  • the system also includes a program memory 48, a data memory 49, a clock 50, an LCD driver 45 and an LCD display 12.
  • the various units are interconnected by a data and control bus 52.
  • the second part of the circuitry inside the card is a point-to-point communication device 31.
  • the point-to- point communication device 31 is designed to receive and transmit to the circuitry 32, a sequence of numbers. This sequence of numbers either resets the card's "open to buy" limit or it deactivates the card.
  • the point-to- point communication device 31 is similar to the radio paging device described in the previously referenced patent application. Key aspects of the device are the ability to individually address a large number of receivers and the ability to operate with very low power drain.
  • the point-to-point communication device 31 includes a radio receiver 56, a subcarrier data demodulator 55 which digitizes the signal from the receiver and then extracts the required information, a decoder 54 which decodes the protocol, and a microprocessor 53 which controls the entire process.
  • Each credit card has an assigned registration number.
  • the point-to-point receiver 31 compares received messages to the assigned registration number and only operates on messages designated as being for the particular receiver.
  • the receiver operates on a time slot protocol that requires the receiver to be operative for only a very short period of time, thereby extending battery life.
  • the receiver 56 is frequency agile so that it can automatically scan a variety of commercial stations for appropriate messages.

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  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Hardware Design (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

La carte de crédit (5) comprend des circuits intégrés (2), pouvant traiter des données, en combinaison avec des circuits intégrés pour une liaison radio poste-à-poste (1). Lesdits circuits de traitement de données peuvent être du genre utilisé dans les ordinateur, par exemple les circuits contenus dans les cartes de crédit dénommées cartes très intelligentes. Les circuits pour la liaison poste-à-poste peuvent être des circuits d'appel à protocole à tranche de temps, tels que l'on trouve dans des dispositifs radioélectriques d'appel. Ladite carte de crédit permet la mise à jour ou la neutralisation depuis un lieu éloigné par la transmission de signaux sur le canal de liaison. On peut utiliser ledit canal de liaison conjointement avec l'horloge disposée dans la carte pour assurer la mise hors tension automatique de ladite carte au cas où une nouvelle liaison qui revalide la carte n'est pas reçue dans un delai préalablement déterminé. De cette manière, on empêche la neutralisation de la carte en l'entourant d'un blindage contre les radio communications.
PCT/US1990/001511 1989-04-14 1990-03-20 Carte de credit a circuits integres, avec possibilite de communications WO1990013096A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US33871889A 1989-04-14 1989-04-14
US338,718 1989-04-14

Publications (1)

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WO1990013096A1 true WO1990013096A1 (fr) 1990-11-01

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WO (1) WO1990013096A1 (fr)

Cited By (31)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2693575A1 (fr) * 1992-07-09 1994-01-14 Gemplus Card Int Carte à mémoire de masse avec fonction entrée/sortie.
US5397881A (en) * 1993-11-22 1995-03-14 Mannik; Kallis H. Third millenium credit card with magnetically onto it written multiple validity dates, from which is one single day as the credit card's validity day selected day after day by the legitimate card owner
US5475375A (en) * 1985-10-16 1995-12-12 Supra Products, Inc. Electronic access control systems
US5602536A (en) * 1985-10-16 1997-02-11 Supra Products, Inc. Data synchronization method for use with portable, microprocessor-based device
EP0762322A2 (fr) * 1995-08-23 1997-03-12 Pitney Bowes Inc. Carte à puce avec inspection à distance
US5654696A (en) * 1985-10-16 1997-08-05 Supra Products, Inc. Method for transferring auxillary data using components of a secure entry system
WO1998029841A2 (fr) * 1997-01-02 1998-07-09 F.E.M. Fardin Engineering & Marketing Ag Systeme de reconnaissance pour la recherche et la reconnaissance de modeles de donnees, et systeme d'identification pour la memorisation et la reconnaissance de modeles de donnees
US6072402A (en) * 1992-01-09 2000-06-06 Slc Technologies, Inc. Secure entry system with radio communications
WO2000070566A1 (fr) * 1999-05-19 2000-11-23 Brokat Infosystems Ag Appareil de saisie pour transactions commerciales
WO2000074005A1 (fr) 1999-05-29 2000-12-07 Wanzl Metallwarenfabrik Gmbh Chariot de transport
WO2002065404A2 (fr) * 2001-02-13 2002-08-22 Stuart Williams Systeme d"identification
WO2006071477A1 (fr) * 2004-12-29 2006-07-06 Avery Dennison Corporation Peripherique d’identification de frequence radio avec indicateur visuel
WO2007128011A1 (fr) * 2006-05-04 2007-11-15 Event- Und Sportmanagement Leeb Gmbh Clé, système de fermeture et système pour sécuriser une clé
US7356505B2 (en) * 2000-06-06 2008-04-08 Universal Transactions Systems Limited System and method for transferring funds
US7440771B2 (en) * 2003-02-28 2008-10-21 American Express Travel Related Services Company, Inc. Transaction card providing displayed information
US9019080B2 (en) 2011-05-25 2015-04-28 International Business Machines Corporation User communication device based card presence monitoring and account status control
US9027242B2 (en) 2011-09-22 2015-05-12 Blue Spark Technologies, Inc. Cell attachment method
US10755282B1 (en) 2008-10-31 2020-08-25 Wells Fargo Bank, N.A. Payment vehicle with on and off functions
US10867298B1 (en) 2008-10-31 2020-12-15 Wells Fargo Bank, N.A. Payment vehicle with on and off function
US10963589B1 (en) 2016-07-01 2021-03-30 Wells Fargo Bank, N.A. Control tower for defining access permissions based on data type
US10970707B1 (en) 2015-07-31 2021-04-06 Wells Fargo Bank, N.A. Connected payment card systems and methods
US10992679B1 (en) 2016-07-01 2021-04-27 Wells Fargo Bank, N.A. Access control tower
US10992606B1 (en) 2020-09-04 2021-04-27 Wells Fargo Bank, N.A. Synchronous interfacing with unaffiliated networked systems to alter functionality of sets of electronic assets
US11062388B1 (en) 2017-07-06 2021-07-13 Wells Fargo Bank, N.A Data control tower
US11188887B1 (en) 2017-11-20 2021-11-30 Wells Fargo Bank, N.A. Systems and methods for payment information access management
US11386223B1 (en) 2016-07-01 2022-07-12 Wells Fargo Bank, N.A. Access control tower
US11429975B1 (en) 2015-03-27 2022-08-30 Wells Fargo Bank, N.A. Token management system
US11546338B1 (en) 2021-01-05 2023-01-03 Wells Fargo Bank, N.A. Digital account controls portal and protocols for federated and non-federated systems and devices
US11556936B1 (en) 2017-04-25 2023-01-17 Wells Fargo Bank, N.A. System and method for card control
US11615402B1 (en) 2016-07-01 2023-03-28 Wells Fargo Bank, N.A. Access control tower
US11935020B1 (en) 2016-07-01 2024-03-19 Wells Fargo Bank, N.A. Control tower for prospective transactions

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Non-Patent Citations (1)

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Cited By (89)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5475375A (en) * 1985-10-16 1995-12-12 Supra Products, Inc. Electronic access control systems
US5602536A (en) * 1985-10-16 1997-02-11 Supra Products, Inc. Data synchronization method for use with portable, microprocessor-based device
US5654696A (en) * 1985-10-16 1997-08-05 Supra Products, Inc. Method for transferring auxillary data using components of a secure entry system
US6842105B1 (en) 1985-10-16 2005-01-11 Ge Interlogix, Inc. Dual mode data logging
US6822553B1 (en) 1985-10-16 2004-11-23 Ge Interlogix, Inc. Secure entry system with radio reprogramming
US6072402A (en) * 1992-01-09 2000-06-06 Slc Technologies, Inc. Secure entry system with radio communications
US5705991A (en) * 1992-01-09 1998-01-06 Supra Products, Inc. Access control device featuring key ordering or key simultaneity
US5815557A (en) * 1992-01-09 1998-09-29 Slc Technologies, Inc. Homeowner key for an electronic real estate lockbox system
WO1994001822A1 (fr) * 1992-07-09 1994-01-20 Gemplus Card International Carte a memoire de masse avec fonction entree/sortie
FR2693575A1 (fr) * 1992-07-09 1994-01-14 Gemplus Card Int Carte à mémoire de masse avec fonction entrée/sortie.
US5802325A (en) * 1992-07-09 1998-09-01 Gemplus Card International Mass memory card with input/output function
US5397881A (en) * 1993-11-22 1995-03-14 Mannik; Kallis H. Third millenium credit card with magnetically onto it written multiple validity dates, from which is one single day as the credit card's validity day selected day after day by the legitimate card owner
EP0762322A2 (fr) * 1995-08-23 1997-03-12 Pitney Bowes Inc. Carte à puce avec inspection à distance
EP0762322A3 (fr) * 1995-08-23 2000-04-05 Pitney Bowes Inc. Carte à puce avec possibilité d'inspection
WO1998029841A3 (fr) * 1997-01-02 1998-12-17 Globalcon Ag Systeme de reconnaissance pour la recherche et la reconnaissance de modeles de donnees, et systeme d'identification pour la memorisation et la reconnaissance de modeles de donnees
WO1998029841A2 (fr) * 1997-01-02 1998-07-09 F.E.M. Fardin Engineering & Marketing Ag Systeme de reconnaissance pour la recherche et la reconnaissance de modeles de donnees, et systeme d'identification pour la memorisation et la reconnaissance de modeles de donnees
WO2000070566A1 (fr) * 1999-05-19 2000-11-23 Brokat Infosystems Ag Appareil de saisie pour transactions commerciales
WO2000074005A1 (fr) 1999-05-29 2000-12-07 Wanzl Metallwarenfabrik Gmbh Chariot de transport
US7356505B2 (en) * 2000-06-06 2008-04-08 Universal Transactions Systems Limited System and method for transferring funds
WO2002065404A2 (fr) * 2001-02-13 2002-08-22 Stuart Williams Systeme d"identification
WO2002065404A3 (fr) * 2001-02-13 2002-11-21 Stuart Williams Systeme d"identification
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