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 OR CALCULATING; 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 OR CALCULATING; COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
  • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
  • G06Q20/347—Passive cards
• • G—PHYSICS
  • G07—CHECKING-DEVICES
  • G07F—COIN-FREED OR LIKE APPARATUS
  • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
  • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
  • G07F7/0873—Details of the card reader
  • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
  • G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• • G—PHYSICS
  • G07—CHECKING-DEVICES
  • G07F—COIN-FREED OR LIKE APPARATUS
  • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
  • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
  • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
• • G—PHYSICS
  • G07—CHECKING-DEVICES
  • G07F—COIN-FREED OR LIKE APPARATUS
  • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
  • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
  • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
  • G07F7/1025—Identification of user by a PIN code
  • G07F7/1075—PIN is checked remotely

Definitions

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

Landscapes

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

Applications Claiming Priority (2)

Publications (1)

Family

ID=10673711

Family Applications (1)

Country Status (4)

Cited By (1)

Families Citing this family (3)

Citations (4)

• 1990
  • 1990-04-02 GB GB9007359A patent/GB2242769B/en not_active Expired - Fee Related
• 1991
  • 1991-03-26 WO PCT/GB1991/000449 patent/WO1991015832A1/en active Application Filing
  • 1991-03-26 AU AU75858/91A patent/AU7585891A/en not_active Abandoned
  • 1991-03-26 DE DE19914190728 patent/DE4190728T1/de not_active Withdrawn
  • 1991-03-26 DE DE9116497U patent/DE9116497U1/de not_active Expired - Lifetime

Patent Citations (4)

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