WO1994020929A1 - Carte intelligente - Google Patents

Carte intelligente Download PDF

Info

Publication number
WO1994020929A1
WO1994020929A1 PCT/GB1994/000376 GB9400376W WO9420929A1 WO 1994020929 A1 WO1994020929 A1 WO 1994020929A1 GB 9400376 W GB9400376 W GB 9400376W WO 9420929 A1 WO9420929 A1 WO 9420929A1
Authority
WO
WIPO (PCT)
Prior art keywords
display
smart card
data memory
accessing apparatus
card
Prior art date
Application number
PCT/GB1994/000376
Other languages
English (en)
Inventor
Martin Robert Pollock
John Andrew Jackson
Original Assignee
Landis & Gyr Energy Management (Uk) Ltd.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Landis & Gyr Energy Management (Uk) Ltd. filed Critical Landis & Gyr Energy Management (Uk) Ltd.
Priority to AU61127/94A priority Critical patent/AU6112794A/en
Publication of WO1994020929A1 publication Critical patent/WO1994020929A1/fr

Links

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
    • G06K19/067—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
    • 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

Definitions

  • This invention relates to smart cards.
  • Smart cards are small electronic devices comprising an electronic data memory, the contents of which may be modified by an external card accessing device. They are increasingly being used in place of more traditional transaction cards (e.g. credit or identification cards) in which data are recorded on a magnetic strip.
  • transaction cards e.g. credit or identification cards
  • Smart cards are generally similar in size to standard credit cards (approximately 85 x 55 mm). Although smart cards may be more expensive to manufacture than cards employing magnetic strips, they do offer a number of recognised advantages over such cards. These advantages relate to the additional data storage capacity achieved by using electronic memories rather than magnetic recording, and to the fact that the cards can include active data processing elements in addition to the data storage functions provided by the data memory.
  • a smart card In order to perform a transaction such as an electronic payment, a smart card must interact with a separate card accessing apparatus so that the accessing apparatus may read the contents of the data memory held on the card.
  • a connection between the smart card and the card accessing apparatus may be made through complementary sets of electrical contacts mounted on the smart card and the apparatus, or through complementary induction coils housed in the smart card and the apparatus. In either case, the connection may also be employed to provide power to the smart card for the duration of the transaction.
  • Information relating to the transaction (such as the amount of the payment, a cash balance held on the card and card identification data) may be displayed on the card reading apparatus while the transaction is being performed.
  • This invention provides a smart card comprising: an electronic data memory; an interface means connected to the data memory, to allow access to the data memory by an external card accessing apparatus; and a data display operable to display information indicative of the contents of the data memory.
  • a smart card according to the invention incorporates a data display operable to display information indicative of the data held by the card. This means that the user is able to ascertain the contents of the data memory in between transactions involving the smart card. For example, if the data memory stores a cash balance (or the equivalent) for use in a cashless payment system, the data display may be used to indicate the remaining cash balance at various times between successive transactions.
  • the interface means comprises means cooperable with a card accessing apparatus for receiving electrical energy from the card accessing apparatus to power the display.
  • a power source such as a battery
  • the smart card in order that the information may be displayed for longer than the duration of a transaction, comprises means for storing electrical energy received from the card accessing apparatus. This may be achieved by employing means for activating the display to display the information for a predetermined time. Preferably, to avoid the need to provide user-operated controls on the smart card itself, the means for activating is responsive to an access to the data memory by a card accessing apparatus.
  • the display comprises one or more permanent legends, in order to increase the intelligibility of the displayed information.
  • the display comprises a liquid crystal display, because of the particularly low power consumption of this family of displays.
  • a preferred type of liquid crystal display is the so-called twisted nematic liquid crystal display.
  • the display is driven to display the information by an electrical display signal and continues to display that information after removal of the display signal.
  • the use of a bistable display of this type means that the information indicative of the contents of the data memory (for example, a cash balance or a number of payment units remaining) may displayed at all times between successive transactions.
  • Various displays such as so- called ferro-electric displays, could be used in this way; however, in a preferred embodiment the display comprises a smectic liquid crystal display.
  • the interface means may comprise complementary induction coils housed in the smart card and the card accessing apparatus, in an advantageously simple embodiment the interface means comprises a plurality of electrical contacts mounted on the smart card, for cooperating with complementary contacts mounted on a card accessing apparatus.
  • the smart card comprises a data processor connected to the interface means, the data memory and the display.
  • the data memory is operable to store data relating to financial transactions; and the display is operable to display information relating to a most recent one of the financial transactions.
  • this invention provides a smart card comprising: an electronic data memory; an interface means connected to the data memory, to allow access to the data memory by an external card accessing apparatus, the interface means comprising means cooperable with a card accessing apparatus for receiving electrical energy from the card accessing apparatus; and means for storing electrical energy received from the card accessing apparatus.
  • Figure 1 is a schematic block diagram of a smart card according to the invention.
  • a smart card 100 comprises a data memory 110, a liquid crystal (LCD) data display 120, a display driver 130, a data processor 140 such as a microprocessor or an application-specific integrated circuit (ASIC) , an energy store 150 and an interface unit 160.
  • a data memory 110 a liquid crystal (LCD) data display 120
  • a display driver 130 a data processor 140 such as a microprocessor or an application- specific integrated circuit (ASIC)
  • ASIC application-specific integrated circuit
  • the smart card 100 is formed as a thin rectangular plastics card conforming to a standard size of 85 mm long, 55 mm wide and about 1 to 5 mm thick.
  • the data memory 110, the display driver and the data processor 140 are fabricated as a single integrated circuit housed within the plastics card.
  • One function of the interface unit 160 is to provide a data interface between the data memory 110 and an external card accessing apparatus 170 (e.g. a card reader).
  • an electrical connection between the interface unit 160 and the card accessing apparatus 170 is required. In the present embodiment, this is achieved by forming a physical connection between a number of electrical contacts on the smart card and complementary contacts on the card accessing apparatus 170. In this case, the physical connection can be formed reliably by placing the smart card into a card-receiving slot on the card accessing apparatus.
  • the interface unit 160 also provides a power supply connection between the smart card and the card accessing apparatus. This means that the electronic circuitry contained within the smart card can be powered by a power source in the accessing apparatus for the time in which the accessing apparatus is interacting with the smart card. This avoids the need to provide a power source (such as a battery) in the smart card itself, but requires that the data memory 110 is a non ⁇ volatile random access memory (i.e. the contents of the data memory are not lost when power is removed from the memory).
  • a power supply connection is established between the interface unit 160 and the card accessing apparatus 170, electrical energy is stored in the energy store 150 (e.g. a capacitor). As described below, the stored electrical energy is used to power the data display 120 after the interaction between the smart card 100 and the card accessing apparatus has finished.
  • An alternative type of connection between the interface unit and the card accessing apparatus may be provided by complementary induction coils housed within the smart card and the accessing apparatus. Data and power can be transmitted between the complementary coils by electromagnetic induction. This system avoids the requirement of physical contact between the smart card and the accessing apparatus, at the expense of a more complicated interface unit.
  • the data memory 110 stores data relating to, for example, financial transactions or security identification, depending on the particular application of the card.
  • a smart card in which the data memory 110 stores data representing a cash balance can be used as part of a cashless payment system.
  • the smart card is first connected to a card accessing apparatus by means of the interface unit 160.
  • the card accessing apparatus then makes various security checks before reading the current cash balance held in the data memory 110, deducting the amount of the payment from that balance, and finally writing the modified balance back into the data memory 110.
  • the data display 120 displays information indicative of the contents of the data memory 110.
  • This information may be, for example, a current cash balance held by the data memory 110, the amount of the most recent payment made using the smart card (i.e. reflecting the most recent change to the contents of the data memory, and acting as an electronic receipt for the transaction) , security authorisation information or the like.
  • the display driver 130 is activated at the start of a transaction in which the card accessing unit reads from or writes to the data memory 110, and remains activated for a predetermined period after termination of that transaction. During the predetermined period after the end of the transaction, the data display 120 is powered by the electrical energy stored in the energy store 150 during the transaction.
  • a suitable type of display device for use in this embodiment is the so-called twisted nematic liquid crystal display. In order to increase the intelligibility of the displayed information, the data display may be annotated with permanent legends such as the words "current balance".
  • a bistable liquid crystal display is employed, such as a ferro-electric or smectic liquid crystal display.
  • the data display is driven by the display driver 130 to display certain information while the transaction is taking place, and then continues to display that information after power has been removed.
  • This type of display can therefore be used to provide a constant indication of the state of the data memory 110 (e.g. the remaining cash balance held by the card) .
  • Smart cards according to the embodiments described above have potential uses in a number of commercial fields, such as:

Landscapes

  • Engineering & Computer Science (AREA)
  • Computer Hardware Design (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Credit Cards Or The Like (AREA)

Abstract

Une carte intelligente (100) comprend une mémoire électronique de données (110); un moyen d'interface (160) connecté à la mémoire de données, pour permettre d'accéder à la mémoire de données par un appareil externe d'accès à la carte (170); et une visualisation des données (120) fonctionnant pour visualiser l'information indiquant le contenu de la mémoire de données.
PCT/GB1994/000376 1993-03-04 1994-02-25 Carte intelligente WO1994020929A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU61127/94A AU6112794A (en) 1993-03-04 1994-02-25 Smart card

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
GB9304408.9 1993-03-04
GB9304408A GB2275654B (en) 1993-03-04 1993-03-04 Smart card

Publications (1)

Publication Number Publication Date
WO1994020929A1 true WO1994020929A1 (fr) 1994-09-15

Family

ID=10731453

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/GB1994/000376 WO1994020929A1 (fr) 1993-03-04 1994-02-25 Carte intelligente

Country Status (3)

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

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Publication number Priority date Publication date Assignee Title
US6297789B2 (en) 1998-07-09 2001-10-02 Tyco Electronics Corporation Integrated circuit card with liquid crystal display for viewing at least a portion of the information stored in the card
CN100367307C (zh) * 2002-11-22 2008-02-06 索尼株式会社 非接触ic卡
US8581692B2 (en) 2007-11-14 2013-11-12 Nxp B.V. Electronic system and method of operating an electronic system
US8608081B2 (en) 2007-11-12 2013-12-17 Nxp B.V. Chip card comprising a display
US8646696B2 (en) 2007-11-12 2014-02-11 Npx B.V. Chip card comprising a display

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GB2333494A (en) * 1998-01-27 1999-07-28 Ibm Smart card for electronic cash transactions having ferroelectric LCD
DE19816860A1 (de) * 1998-03-06 1999-11-18 Deutsche Telekom Ag Chipkarte, insbesondere Guthabenkarte
US6615189B1 (en) 1998-06-22 2003-09-02 Bank One, Delaware, National Association Debit purchasing of stored value card for use by and/or delivery to others
US7809642B1 (en) 1998-06-22 2010-10-05 Jpmorgan Chase Bank, N.A. Debit purchasing of stored value card for use by and/or delivery to others
AU4603299A (en) * 1998-06-26 2000-01-17 Ascom Nordic A/S An apparatus and method for secure information processing
DE19850293A1 (de) * 1998-10-30 2000-05-04 Koninkl Philips Electronics Nv Datenträger mit Kompromittierungsschutz
US6032136A (en) 1998-11-17 2000-02-29 First Usa Bank, N.A. Customer activated multi-value (CAM) card
US7660763B1 (en) 1998-11-17 2010-02-09 Jpmorgan Chase Bank, N.A. Customer activated multi-value (CAM) card
IL128007A (en) * 1999-01-11 2003-02-12 Milsys Ltd Enhancements on compact logic devices and also for accelerating and securing computations in modular arithmetic especially for use in public key cryptographic co-processors designed for elliptic curve and rsa type computations
RU2179337C2 (ru) 1999-03-01 2002-02-10 ОПТИВА, Инк. Смарт-карта (электронная карта) и способ ее изготовления
US6882984B1 (en) 1999-06-04 2005-04-19 Bank One, Delaware, National Association Credit instrument and system with automated payment of club, merchant, and service provider fees
WO2001004832A1 (fr) * 1999-07-12 2001-01-18 Cardsoft International Pty Limited Carte bancaire ou billet de banque avec afficheur
US8793160B2 (en) 1999-12-07 2014-07-29 Steve Sorem System and method for processing transactions
CN1152350C (zh) * 2000-02-18 2004-06-02 西帕克公司 识别和验证移动电子事务处理装置的持有者的方法和装置
US6941279B1 (en) 2000-02-23 2005-09-06 Banke One Corporation Mutual fund card method and system
AU2001282935A1 (en) 2000-08-01 2002-02-13 First Usa Bank, N.A. System and method for transponder-enabled account transactions
US20020091929A1 (en) * 2000-12-19 2002-07-11 Jakob Ehrensvard Secure digital signing of data
US6985873B2 (en) 2001-01-18 2006-01-10 First Usa Bank, N.A. System and method for administering a brokerage rebate card program
US7251501B2 (en) * 2001-03-07 2007-07-31 Halpern John W Mobile phone communications system with increased functionality
US7313546B2 (en) 2001-05-23 2007-12-25 Jp Morgan Chase Bank, N.A. System and method for currency selectable stored value instrument
AU2002327322A1 (en) 2001-07-24 2003-02-17 First Usa Bank, N.A. Multiple account card and transaction routing
US7809641B2 (en) 2001-07-26 2010-10-05 Jpmorgan Chase Bank, National Association System and method for funding a collective account
US8800857B1 (en) 2001-08-13 2014-08-12 Jpmorgan Chase Bank, N.A. System and method for crediting loyalty program points and providing loyalty rewards by use of an electronic tag
US8020754B2 (en) 2001-08-13 2011-09-20 Jpmorgan Chase Bank, N.A. System and method for funding a collective account by use of an electronic tag
US6945453B1 (en) * 2001-08-13 2005-09-20 Bank One Delaware N.A. System and method for funding a collective account by use of an electronic tag
US7306141B1 (en) 2001-08-13 2007-12-11 Jpmorgan Chase Bank, N.A. System and method for funding a collective account by use of an electronic tag
GB2382172A (en) * 2001-11-16 2003-05-21 Rue De Int Ltd Software authentication device
US7756896B1 (en) 2002-03-11 2010-07-13 Jp Morgan Chase Bank System and method for multi-dimensional risk analysis
US7899753B1 (en) 2002-03-25 2011-03-01 Jpmorgan Chase Bank, N.A Systems and methods for time variable financial authentication
US20180165441A1 (en) 2002-03-25 2018-06-14 Glenn Cobourn Everhart Systems and methods for multifactor authentication
WO2003083619A2 (fr) 2002-03-29 2003-10-09 Bank One, Delaware, N.A. Systeme et procede permettant d'effectuer des transactions d'achat au moyen de jetons
US20040210498A1 (en) 2002-03-29 2004-10-21 Bank One, National Association Method and system for performing purchase and other transactions using tokens with multiple chips
US8239304B1 (en) 2002-07-29 2012-08-07 Jpmorgan Chase Bank, N.A. Method and system for providing pre-approved targeted products
US7809595B2 (en) 2002-09-17 2010-10-05 Jpmorgan Chase Bank, Na System and method for managing risks associated with outside service providers
US20040122736A1 (en) 2002-10-11 2004-06-24 Bank One, Delaware, N.A. System and method for granting promotional rewards to credit account holders
GB2408235B (en) * 2002-12-20 2005-09-21 Motorola Inc Secure smartcard system and method of operation
US8306907B2 (en) 2003-05-30 2012-11-06 Jpmorgan Chase Bank N.A. System and method for offering risk-based interest rates in a credit instrument
US7953663B1 (en) 2003-09-04 2011-05-31 Jpmorgan Chase Bank, N.A. System and method for financial instrument pre-qualification and offering
US8239323B2 (en) 2003-09-23 2012-08-07 Jpmorgan Chase Bank, N.A. Method and system for distribution of unactivated bank account cards
DE102005008258A1 (de) 2004-04-07 2005-10-27 Giesecke & Devrient Gmbh Datenträger mit TAN-Generator und Display
US7392222B1 (en) 2004-08-03 2008-06-24 Jpmorgan Chase Bank, N.A. System and method for providing promotional pricing
CN101095173A (zh) * 2005-01-04 2007-12-26 皇家飞利浦电子股份有限公司 具有用于输入pin代码的输入元件的卡和输入pin代码的方法
US8630898B1 (en) 2005-02-22 2014-01-14 Jpmorgan Chase Bank, N.A. Stored value card provided with merchandise as rebate
US7401731B1 (en) 2005-05-27 2008-07-22 Jpmorgan Chase Bank, Na Method and system for implementing a card product with multiple customized relationships
US8408455B1 (en) 2006-02-08 2013-04-02 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
US7784682B2 (en) 2006-02-08 2010-08-31 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
US7753259B1 (en) 2006-04-13 2010-07-13 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
US8676642B1 (en) 2007-07-05 2014-03-18 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to financial account holders
WO2009043385A1 (fr) * 2007-10-05 2009-04-09 Nokia Corporation Présentation d'informations visuelles
US8417601B1 (en) 2007-10-18 2013-04-09 Jpmorgan Chase Bank, N.A. Variable rate payment card

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GB2067467A (en) * 1980-01-11 1981-07-30 Beaumont D E A transaction card device having an electrical operated circuit
EP0057602A2 (fr) * 1981-01-30 1982-08-11 Chalmers, David Arthur Plaquette adaptable représentant une valeur
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EP0242126A2 (fr) * 1986-04-10 1987-10-21 Mitsubishi Denki Kabushiki Kaisha Carte à circuit intégré et système correspondant
FR2616941A1 (fr) * 1987-06-22 1988-12-23 Photowatt Int Carte electronique type carte de credit

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GB2067467A (en) * 1980-01-11 1981-07-30 Beaumont D E A transaction card device having an electrical operated circuit
EP0057602A2 (fr) * 1981-01-30 1982-08-11 Chalmers, David Arthur Plaquette adaptable représentant une valeur
DE3140743A1 (de) * 1981-10-14 1983-04-28 Licentia Patent-Verwaltungs-Gmbh, 6000 Frankfurt Kontrollkarte zur betaetigung eines terminals
EP0168836A2 (fr) * 1984-07-20 1986-01-22 Oki Electric Industry Company, Limited Carte à circuit intégré et lecteur de cette carte
EP0220703A2 (fr) * 1985-10-29 1987-05-06 Casio Computer Company Limited Système à carte à circuit intégré
EP0242126A2 (fr) * 1986-04-10 1987-10-21 Mitsubishi Denki Kabushiki Kaisha Carte à circuit intégré et système correspondant
FR2616941A1 (fr) * 1987-06-22 1988-12-23 Photowatt Int Carte electronique type carte de credit

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6297789B2 (en) 1998-07-09 2001-10-02 Tyco Electronics Corporation Integrated circuit card with liquid crystal display for viewing at least a portion of the information stored in the card
CN100367307C (zh) * 2002-11-22 2008-02-06 索尼株式会社 非接触ic卡
US8608081B2 (en) 2007-11-12 2013-12-17 Nxp B.V. Chip card comprising a display
US8646696B2 (en) 2007-11-12 2014-02-11 Npx B.V. Chip card comprising a display
US8581692B2 (en) 2007-11-14 2013-11-12 Nxp B.V. Electronic system and method of operating an electronic system

Also Published As

Publication number Publication date
GB2275654B (en) 1996-11-13
AU6112794A (en) 1994-09-26
GB9304408D0 (en) 1993-04-21
GB2275654A (en) 1994-09-07

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