WO2000070566A1 - Appareil de saisie pour transactions commerciales - Google Patents

Appareil de saisie pour transactions commerciales Download PDF

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Publication number
WO2000070566A1
WO2000070566A1 PCT/DE2000/001633 DE0001633W WO0070566A1 WO 2000070566 A1 WO2000070566 A1 WO 2000070566A1 DE 0001633 W DE0001633 W DE 0001633W WO 0070566 A1 WO0070566 A1 WO 0070566A1
Authority
WO
WIPO (PCT)
Prior art keywords
input device
business transactions
computer system
unit
computer
Prior art date
Application number
PCT/DE2000/001633
Other languages
German (de)
English (en)
Inventor
Jozsef Bugovics
Original Assignee
Brokat Infosystems Ag
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 Brokat Infosystems Ag filed Critical Brokat Infosystems Ag
Priority to AU59621/00A priority Critical patent/AU5962100A/en
Publication of WO2000070566A1 publication Critical patent/WO2000070566A1/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
    • G06Q20/341—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
    • 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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/20—Individual registration on entry or exit involving the use of a pass
    • G07C9/22—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder
    • G07C9/25—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition
    • G07C9/257—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition electronically
    • 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
    • G07F7/0866—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 by active credit-cards adapted therefor

Definitions

  • the invention relates to an input device for business transactions for use in financial services, with which preferably virtual money is transferred and virtual business transactions are concluded.
  • credit card-sized information carriers are referred to as cards, which can be carried in the wallet, for example, and which are equipped as chip cards with a microprocessor.
  • the SMART-Card TM is known, which permits identification of the card and thus indirectly of the user, as well as mutual authentication between the card and the card terminal, in particular via coded information.
  • Recording carriers for digital information and especially chip cards G06K 19/07 are known from the IPC (International Patent Classification) G06K 19/00.
  • Associated facilities for selling, dispensing etc. are classified in the G07FG 7/00, especially by means of coded cards in G07FG 7/10.
  • a particular disadvantage is the continuing need to always have a large number of special cards from different financial service providers at hand for personal identification or authentication and to have to use the desired or required one in each case.
  • the object of the invention is to implement an input device for business transactions, with which the need to use special cards is eliminated, but at the same time the high security of identification and authentication required for financial transactions is guaranteed. Another important aspect is the retention of the logo of the special financial service provider, which is embossed in the general public. Other essential aspects consist in reliable identification and authentication of the user, in a possibility for the input / output of the data for business transactions.
  • the essence of the invention consists in the implementation of a credit card-sized input device for business transactions, consisting of a card-sized computer system including I / O elements with colored, graph.
  • User interface and energy source a unit-specific identification and encryption unit, a data transmission unit and a standardized data interface for personal computers.
  • This makes it possible to store the special secret information of individual financial services on the entity-specific identification and encryption unit with sufficient certainty instead of on their special cards, including the known graphical representation of the specific card for identifying the assigned financial service provider.
  • the input device interacts with the computer via the data transmission unit, for example via conventional electrically conductive contact surfaces, exchanges the necessary information for identifying the user and for mutual authentication, and optionally handles the business transaction itself.
  • the executed business transactions are also stored in a memory of the computer system for the cardholder Consideration of usual security standards available again, filed. It is thus possible to monitor the business transactions themselves with their payments and the associated balances, which means that these are not only available with the monthly statement of the credit card accounts.
  • the data interface is used to read in the secret information of the individual financial service provider-specific cards by means of an assigned special programming device.
  • the data transmission unit as a wireless interface, for example infrared, ultrasound, radio, so that the mechanical plug-in can be dispensed with in future terminals.
  • Another advantage is the combination of the unit-specific identification and encryption unit with a finger tip sensor, which allows the authorization of the user on a biological and thus largely counterfeit-proof basis by simply holding the card-shaped input device between the fingers of one hand .
  • the invention is based on an embodiment of 1 shows the system architecture of the input device for business transactions
  • Fig. 2 explained in more detail as an input device for business transactions.
  • an input device for business transactions 1 necessarily includes a computer system 2 supplied by its own energy source, advantageously implemented in thick or thin-layer technology, with input elements 3, advantageously implemented as pushbuttons or pressure field, and colored, graphic output unit 4, advantageously implemented as a liquid crystal display.
  • the computer system 2 is connected on the one hand to a data transmission unit 5 for handling the business transactions, advantageously implemented as metallic contact surfaces or wireless transmission units, for example infrared light emitting diodes, ultrasound transmitters, high-frequency transmitters, induction fields, and on the other hand advantageously connected to a standardized computer interface 6 designed as a PCMCIA interface, for configuring and modifying the input device for business transactions 1.
  • the computer system 2 is necessarily connected to a unit-specific identification and encryption unit 7, advantageously designed as an independent computer system, which only secrets the secrets at runtime using Ver - and decryption process from a memory of the encrypted secrets and a key pair, consisting of the hardware-specific unit-specific and the software-loaded part, berec hnet and only made available temporarily.
  • the SET as a transaction security standard, can be the key pair consist of a card key and a public key, from which a temporary certificate is generated and in connection with a private key for identification and / or authentication the access authorization and the secure data connection are established.
  • the unit-specific identification and encryption unit 7 is connected to a finger tip sensor 8, which carries out the identification and / or authentication of the user via his fingerprint while holding the input device for business transactions 1 between his fingers.
  • a finger tip sensor 8 which carries out the identification and / or authentication of the user via his fingerprint while holding the input device for business transactions 1 between his fingers.
  • this communicates with a computer terminal for financial services 9 via the data transmission unit 5 and processes the business transaction.

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Human Computer Interaction (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention vise à mettre au point un appareil de saisie pour transactions commerciales (1) qui permette d'éviter de faire appel à des cartes spéciales, mais qui assure simultanément le niveau élevé requis de sécurité en termes d'identification et d'authentification pour les transactions financières et conserve simultanément la configuration des cartes du prestataire de services financiers ou des prestations de services financiers, qui est connue des cercles de participants concernés. A cet effet, le système informatique (2) présente une surface d'exploitation graphique (3; 4) en couleurs. Ledit système informatique (2) est relié à une unité d'identification et de codage (7) spécifique de l'unité et comprend une unité de transmission de données (5) pour assurer la communication avec un terminal informatique de prestations de services financiers, ainsi qu'une interface informatique (6) normalisée pour un appareil de programmation.
PCT/DE2000/001633 1999-05-19 2000-05-18 Appareil de saisie pour transactions commerciales WO2000070566A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU59621/00A AU5962100A (en) 1999-05-19 2000-05-18 Input device for business transactions

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE29908783U DE29908783U1 (de) 1999-05-19 1999-05-19 Eingabegerät für Geschäftsvorfälle
DE29908783.2 1999-05-19

Publications (1)

Publication Number Publication Date
WO2000070566A1 true WO2000070566A1 (fr) 2000-11-23

Family

ID=8073696

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/DE2000/001633 WO2000070566A1 (fr) 1999-05-19 2000-05-18 Appareil de saisie pour transactions commerciales

Country Status (3)

Country Link
AU (1) AU5962100A (fr)
DE (1) DE29908783U1 (fr)
WO (1) WO2000070566A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2003034512A1 (fr) * 2001-10-16 2003-04-24 Bayer Aktiengesellschaft Structure electrophosphorescente contenant des polymeres conducteurs

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2001071671A2 (fr) * 2000-03-21 2001-09-27 Widcomm, Inc. Systeme et procede d'identification sure d'utilisateur au moyen d'un emetteur-recepteur active par bluetooth et d'un capteur biometrique implantes dans un ordinateur de poche

Citations (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE542298C (de) 1927-11-17 1932-01-22 Brown & Sharpe Mfg Werkstoffzufuehrung an selbsttaetigen Drehbaenken
US4582985A (en) * 1981-03-18 1986-04-15 Loefberg Bo Data carrier
EP0197535A2 (fr) * 1985-04-09 1986-10-15 Siemens Aktiengesellschaft Dispositif d'entrée de données
DE3704814A1 (de) 1986-02-17 1987-08-20 Hitachi Ltd Karte mit integrierter schaltung
WO1990013096A1 (fr) * 1989-04-14 1990-11-01 At&E Corporation Carte de credit a circuits integres, avec possibilite de communications
DE4333388A1 (de) 1993-09-30 1995-04-06 Giesecke & Devrient Gmbh System zur Durchführung von Transaktionen mit einer Multifunktionskarte mit elektronischer Börse
DE19542262A1 (de) * 1994-11-12 1996-05-15 Fischer Computersysteme Gmbh & Transportable Schnittstelle
WO1997005582A1 (fr) 1995-07-31 1997-02-13 Keycorp Limited Liaison de terminal a distance pour cartes a puce
DE19548581A1 (de) 1995-12-28 1997-07-03 Deutsche Telekom Ag Verfahren zum Abrechnen elektronischer Geldbörsensysteme auf Chipkarten
DE19609732A1 (de) * 1996-03-13 1997-09-18 Michael R Dipl Phys Bedrich Multifunktionelle Info-Chipkarte
WO1998019237A1 (fr) * 1996-10-25 1998-05-07 Schlumberger Systemes Utilisation de langage de programmation evolue avec un controleur microprogramme

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE3942909A1 (de) 1989-12-23 1991-06-27 Walter Scheufele Datenkarte, insbesondere kreditkarte, scheckkarte o.dgl.
DE4205615A1 (de) 1992-02-24 1993-08-26 Provera Ges Fuer Projektierung Verfahren und einrichtung insbesondere zur eingabe von geheimen identifizierungsdaten in elektronische datensysteme
DE4230866B4 (de) 1992-09-16 2004-02-05 Venture Engineering Managementgesellschaft Mbh Datenaustauschsystem

Patent Citations (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE542298C (de) 1927-11-17 1932-01-22 Brown & Sharpe Mfg Werkstoffzufuehrung an selbsttaetigen Drehbaenken
US4582985A (en) * 1981-03-18 1986-04-15 Loefberg Bo Data carrier
EP0197535A2 (fr) * 1985-04-09 1986-10-15 Siemens Aktiengesellschaft Dispositif d'entrée de données
DE3704814A1 (de) 1986-02-17 1987-08-20 Hitachi Ltd Karte mit integrierter schaltung
WO1990013096A1 (fr) * 1989-04-14 1990-11-01 At&E Corporation Carte de credit a circuits integres, avec possibilite de communications
DE4333388A1 (de) 1993-09-30 1995-04-06 Giesecke & Devrient Gmbh System zur Durchführung von Transaktionen mit einer Multifunktionskarte mit elektronischer Börse
DE19542262A1 (de) * 1994-11-12 1996-05-15 Fischer Computersysteme Gmbh & Transportable Schnittstelle
WO1997005582A1 (fr) 1995-07-31 1997-02-13 Keycorp Limited Liaison de terminal a distance pour cartes a puce
DE19548581A1 (de) 1995-12-28 1997-07-03 Deutsche Telekom Ag Verfahren zum Abrechnen elektronischer Geldbörsensysteme auf Chipkarten
DE19609732A1 (de) * 1996-03-13 1997-09-18 Michael R Dipl Phys Bedrich Multifunktionelle Info-Chipkarte
WO1998019237A1 (fr) * 1996-10-25 1998-05-07 Schlumberger Systemes Utilisation de langage de programmation evolue avec un controleur microprogramme

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
MYERS W: "THE ROAD TO THE SUPERSMART CARD", IEEE MICRO,US,IEEE INC. NEW YORK, vol. 9, no. 4, 1 August 1989 (1989-08-01), pages 96,95, XP000049921, ISSN: 0272-1732 *

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2003034512A1 (fr) * 2001-10-16 2003-04-24 Bayer Aktiengesellschaft Structure electrophosphorescente contenant des polymeres conducteurs

Also Published As

Publication number Publication date
DE29908783U1 (de) 1999-09-09
AU5962100A (en) 2000-12-05

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