WO1995017738A1 - Procede et appareil de validation de cartes - Google Patents

Procede et appareil de validation de cartes Download PDF

Info

Publication number
WO1995017738A1
WO1995017738A1 PCT/BR1994/000003 BR9400003W WO9517738A1 WO 1995017738 A1 WO1995017738 A1 WO 1995017738A1 BR 9400003 W BR9400003 W BR 9400003W WO 9517738 A1 WO9517738 A1 WO 9517738A1
Authority
WO
WIPO (PCT)
Prior art keywords
card
cards
data
password
information
Prior art date
Application number
PCT/BR1994/000003
Other languages
English (en)
Inventor
José Luiz RODRIGUES NEVES CUNHA
Original Assignee
Rodrigues Neves Cunha Jose Lui
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 Rodrigues Neves Cunha Jose Lui filed Critical Rodrigues Neves Cunha Jose Lui
Publication of WO1995017738A1 publication Critical patent/WO1995017738A1/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
    • 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
    • G06Q20/342—Cards defining paid or billed services or quantities
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G06Q20/4033—Local solvency checks
    • 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
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
    • 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
    • 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

Definitions

  • the present invention constitutes a process and an apparatus intended to prevent the unauthorized use of a magnetic card, such as a credit card or similar.
  • a magnetic card such as a credit card or similar.
  • various devices have been suggested which, actually, are based exclusively on two distinct types of strategies.
  • the first one consists of condensing all the necessary information in a central computer and the second one on distributing part of the information (lists of the cancelled cards) to each organization which uses the system of credit cards.
  • the solutions which utilize the exchange of information with a central computer suffer from all the shortcomings which characterize this technique, such as congestion of transmission lines, access time, inactive computer and high cost of installation and maintenance.
  • the solutions which use distributed information can be also grouped in two categories.
  • the list of invalid cards is internally recorded in the device.
  • the methods of recording vary depending on the patent, from magnetic disks, diskets or even through direct entry via keyboard.
  • the checking of cancelled cards is done by visual reading of lists which, besides causing embarrassment to the clients, is greatly subject to error (either in the checking or in the concept), not considering the high cost of data collection, printing and waste of outdated printed material.
  • the present invention creates a third strategy which eliminates the above - mentioned shortcomings, as well as those of other systems based on the state of the technique.
  • the "Card Validator” utilizes telecommunication means, in which an internal device receives the information of interest to the transmitting stations and records it in the memory of the device. This information may be numerical or alphanumerical, so that the device can store all the necessary information on a card and also a complete listing of the cancelled cards. This technique permits the instantaneous updating of any data relating to the cards, despite the fact that the device is "off-line". In this way, the Card Validation not only has a device to check the password but is also capable of verifying whether or not the card in use has been cancelled. It is therefore an apparatus which both authenticates the user and validates the card, thereby elimininating the need of printed lists of cancelled cards.
  • Figure 2 is a front view of the apparatus in accordance with the present invention.
  • Figure 3 is a front and side view of the apparatus in accordance with the present invention.
  • the “Card Validator” is made up of: A Magnetic Card Reader (1) which reads the password and the card number
  • Receiving Unit (2) which acquires the data about cancelled cards which are transmitted by electromagnetic waves through transmitting stations throughout the state.
  • Alphanumeric Keyboard (6) made up of 10 numerical keys and 2 control keys (enter and delete).
  • Microprocessor (4) which carries out all the necessary procedure to evaluate the operation. This procedure compares the password (keyed in and read), checks the existence of a given card in the cancelled list and either actuates the flashing lights or shows a message in the display, depending on the type of apparatus. Light Indicators or Display. The operational procedure and the final evaluation are shown to the user in two different ways, according to the mode for which the apparatus was built. Thus, the "Card Validator" can have a small light emitting diode screen in which messages will appear, or it can have a group of three luminous indicators.
  • the "Card Validator” can be had in two models. The first one with a liquid crystal display and the second one with three luminous indicators (Yellow, Green, and Red) in place of the display.
  • luminous indicators Yellow, Green, and Red
  • the three indicator lamps in the panel will light up simultaneously or the display will be full for a short time, after which the display and the lamps will go off. After that, the CV is ready to start operating.
  • the card When it is being checked, the card must be run through the slot with the magnetic band in is lower part and facing the user.
  • the CV will have read the data on the card and will light the yellow luminous indicator, or it will send a message to the display that the reading was satisfactory and the password can be keyed in
  • pressing the ENTER key will start the checking of the password and of the validity of the card.
  • the lumious green indicator in the panel will light up if the password is correct, and it will stay lit for a short time, after which it will go off together with the yellow indicator, signaling that the password is correct and that the card is not cancelled, or the display will show a message that the card is valid for use.
  • the display will show a message to that effect.
  • the user will have two additional chances to key in the password. Each new chance starts when the key delete is pressed, which causes the CV to delete the password error message and is ready for the password to be keyed in again.
  • the red and the yellow lights will light up and the procedure to re-enter the password is exactly as described above. If the green light comes on after re-entering the password, the use of the card is valid.
  • the CV with the display the use of the card will be validated by a message. If the password is keyed in correctly but the card is in the cancelled list, the red light will come on (yellow off), or a message will indicate this condition in the display.
  • the battery charge indicator comes on, the internal battery of the CV needs recharging.
  • the apparatus must be left on the recharging base, which must be connected to the electrical power supply.
  • the “Card Validator” is made up of the blocks shown in Fig. 1.
  • the blocks “Interface with Liquid Crystal Display” and “Alphanumerical Liquid Crystal Display” are present only in the model of the "Validator” with display.
  • the bar which interconnects the various blocks concentrates the flow of information from the microprocessor to the blocks and from the blocks to the microprocessor.
  • Microprocessor (4) controls the whole process of validation of the magnetic card through interface with the other blocks.
  • the memory units (3) store the control program executed by the mcroprocessor and the data on cancelled cards.
  • the radio receiver (2) receives through the antenna the data sent by the transmitting station on the invalid cards.
  • the interface with the radio receiver makes the receiver signal compatible with the interconnecting bus.
  • the card reader (1) acquires the data recorded on the magnetic card when this card is run through the slot of the reader.
  • the interface with the card reader makes the reader signal compatible with the interconnecting bus.
  • the interface with the Liquid Crystal Display makes the signals for the liquid criystal display compatible with the interconnecting bar.
  • the luminous indicators (7) are LEDs which show the condition of the CV.
  • the interface with the luminous indicators makes the signals to the indicators compatible with the interconnecting bus.
  • the keyboard (6) receives the data keyed in by the owner of the card and by the "validator" operator.
  • the interface with the keyboard makes the keyboard signals compatible with the interconnecting bus.
  • the power source (5) generates the necessary tensions for the operation of the "validator” unit and it can receive energy from the external power network or from the battery.
  • the battery (5) protects the data in the memory units during failure of the external power supply.
  • the card reader sends through its interface with the interconnecting bus a stop order to the microprocessor which then executes the part of the program stored in the memory units which handles the reception of the data sent by the reader.
  • the reader sends all the data stored in the magnetic band of the card to the microprocessor which cheks the integrity of the data and stores them in the memory unit.
  • the microprocessor then executes the program which waits for the data originating from the keyboard.
  • the microprocessor receives these data through its interface with the keyboard and interconnecting bus, and goes on to execute the cryptographic algorithim of verification of the password by comparing them with those stored in the memory, originating from the card reader. If the password does not check with the data on the card, the microprocessor sends a message to the alphanumerical liquid crystal display through the interface with the liquid crystal display and interconnecting bus.
  • the microprocessor goes on to execute the search program in the memory units to see if the card is in the list of cancelled cards. If the card is in the list the microprocessor displays the message and returns to the mode of waiting for the entry of new data.
  • the microprocessor sends a card release message and returns to the mode of waiting for the entry of new data.
  • the indicators will be actuated by the microprocessor through the interface with the indicators and the interconnecting bus.
  • the radio receiver When the transmitting station sends new data on cancelled cards the radio receiver will send a stop order to the microprocessor which goes on to execute a program to update the cancelled cards stored in the memory unit on the basis of the new list sent by the transmitting station.
  • the program which receives information on cancelled cards will be executed concurrently with the program of checking and validation of the cards whenever necessary.
  • the microprocessor will show a message in the liquid crystal display or luminous indicator which will identify the problem.
  • the microprocessor From time to time the microprocessor will execute a program to check all functions of the "validator" and will show a message in the event that any problem has been detected.
  • the power source In case of failure of the external power supply, the power source will use the batteries to feed the data of the cancelled cards to the memory units, so that the data will be preserved until the external power returns.
  • the power source During the time that the power is supplied by the external electrical network, the power source provides the tension to all the CV devices and also recharges the battery.

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

Appareil de validation de cartes utilisant des ressources de télécommunications, dans lequel un dispositif récepteur interne reçoit des informations intéressant les stations émettrices et les enregistre dans la mémoire de l'appareil. Ces informations peuvent être numériques et/ou alphanumériques de sorte que l'appareil stocke toutes les informations nécessaires sur une carte, et contient également une liste de toutes les cartes annulées. Grâce à cette technique, la mise à jour des données sur la carte devient instantanée, malgré le caractère 'autonome' de l'appareil.
PCT/BR1994/000003 1993-12-21 1994-02-21 Procede et appareil de validation de cartes WO1995017738A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
BRPI9305168 1993-12-21
BR9305168A BR9305168A (pt) 1993-12-21 1993-12-21 Processo para validar cartões, e aparelho validador de cartões

Publications (1)

Publication Number Publication Date
WO1995017738A1 true WO1995017738A1 (fr) 1995-06-29

Family

ID=4057902

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/BR1994/000003 WO1995017738A1 (fr) 1993-12-21 1994-02-21 Procede et appareil de validation de cartes

Country Status (2)

Country Link
BR (1) BR9305168A (fr)
WO (1) WO1995017738A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2739709A1 (fr) * 1995-10-05 1997-04-11 Ceicom Dispositif (terminal portatif ou base) de paiement et reseau de tels dispositifs de paiement

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE4019043A1 (de) * 1990-06-11 1991-12-12 Angewandte Digital Elektronik Verfahren zum sperren von elektronisch indentifizierbaren kennungen
DE4239562A1 (en) * 1991-12-12 1993-06-17 Schlumberger Ind Sa Verification of document identification data from listing - has number of terminals each with processor and reader to compare read data with that transmitted from central station

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE4019043A1 (de) * 1990-06-11 1991-12-12 Angewandte Digital Elektronik Verfahren zum sperren von elektronisch indentifizierbaren kennungen
DE4239562A1 (en) * 1991-12-12 1993-06-17 Schlumberger Ind Sa Verification of document identification data from listing - has number of terminals each with processor and reader to compare read data with that transmitted from central station

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2739709A1 (fr) * 1995-10-05 1997-04-11 Ceicom Dispositif (terminal portatif ou base) de paiement et reseau de tels dispositifs de paiement

Also Published As

Publication number Publication date
BR9305168A (pt) 1995-07-11

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