WO2000077750A1 - Method for a multiple smart card simulator - Google Patents

Method for a multiple smart card simulator

Info

Publication number
WO2000077750A1
WO2000077750A1 PCT/CA2000/000703 CA0000703W WO2000077750A1 WO 2000077750 A1 WO2000077750 A1 WO 2000077750A1 CA 0000703 W CA0000703 W CA 0000703W WO 2000077750 A1 WO2000077750 A1 WO 2000077750A1
Authority
WO
Grant status
Application
Patent type
Prior art keywords
smart card
characteristics
output
simulator
input
Prior art date
Application number
PCT/CA2000/000703
Other languages
French (fr)
Other versions
WO2000077750A9 (en )
Inventor
Stephen Maryka
Bertrand Michaud
Original Assignee
Wind River International Limited
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

Links

Classifications

    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • G07F7/10Mechanisms 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
    • G07F7/1008Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06KRECOGNITION OF DATA; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06Record 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
    • G06K19/067Record 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
    • G06K19/07Record 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
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06KRECOGNITION OF DATA; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06Record 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
    • G06K19/067Record 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
    • G06K19/07Record 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
    • G06K19/0719Record 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 at least one of the integrated circuit chips comprising an arrangement for application selection, e.g. an acceleration sensor or a set of radio buttons
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/351Virtual cards
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/355Personalisation of cards for use
    • G06Q20/3552Downloading or loading of personalisation data
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • G07F7/0806Details of the card
    • G07F7/0833Card having specific functional components
    • G07F7/084Additional components relating to data transfer and storing, e.g. error detection, self-diagnosis

Abstract

The invention is a method for a multiple smart card simulator. The invention allows cards with different characteristics such as memory, command sequence, error handling, and data flow to be simultaneously simulated. It also permits simultaneous simulation of different smart card user applications. The method involves determining the characteristics of smart cards, and then modifying input and output to or from these cards based on the smart card characteristics. In this way, an end-to-end simulation environment is provided.

Description

WO 00/77750 PCTtCAOO/00703

Title: METHOD FOR A MULTIPLE SMART CARD SIMULATOR

This application claims priority from U.S. provisional application 60/138,679 filed June 14, 1999.

Field of Invention

The present application relates to a method for a multiple smart card simulator, and in particular, an

application employing multiple simulated smart-cards where the applications running on, or enabled

on, some of the smart cards differ from those applications running on, or enabled on, other of the

simulated smart cards, and where the smart cards may have different characteristics.

Background to Invention

Smart cards are hardware devices that typically have the shape and size of a credit card. Often they

have an embedded computer processor, memory and an operating system. Often smart cards have

stored in their memory information related to the user of the smart card. Such information can

include:

(i) personal information, such as name, address, other contact information, date of birth,

etc.; (ii) financial information, such as bank account numbers and type of account, account

balances and transaction histories, retirement savings plan information, investment

information and investment portfolio and account information;

(iii) medical information, such as medical history and known allergies and prescription

history;

(iv) information related to retail shopping, such as clothing sizes, shopping histories and

product, preferences; and

(v) other information relating to taste, style and economic, social or cultural activity.

Smart cards are inserted into card terminals which may include automated teller machines, internet

kiosks, pay telephones, point of sale terminals, cellular phones, or any device containing a card

reader.

Using the information stored on the smart card, the card terminals provide a variety of services and

computer-based applications to the user of the smart card. These services can include:

(i) paying bills, transferring money between accounts, making investments, analyzing

a portfolio; (ii) ordering prescription drugs, providing information to health care professionals or

receiving information from them;

(iii) buying or selling consumer goods, receiving product information, participating in

consumer surveys, receiving promotional offers, customizing products; and

(iv) playing games or receiving other content such as music, video, text or images.

Different users of smart cards may want to use different applications for a variety of reasons: smart

cards may have different capabilities, users may have different needs and preferences, users may be

authorized to use different applications.

Developers of smart card applications often prefer to develop these applications in a simulated

environment. In the simulated environment, many hardware elements of the system such as the

smart card, cardreader and card terminal are simulated. This allows the developer to test and

develop function, eliminate error, and improve performance of the system without the cumbersome

and costly need to implement all of the hardware elements.

Current simulation environments, such as the Java Card™ simulation environment suffer the

drawback that they are unable to simulate an application that deals with multiple smart cards where

those smart cards have different applications or where the smart cards have different characteristics. Summary of Invention

The purpose of the present invention is to provide a method and apparatus for simulating a smart-

card-based computer application.

An advantage of the invention is that it supports multi-application card environments. Another

advantage of the present invention is that it allows simultaneous simulation of smart cards with

different characteristics. A further advantage is that it allows simulation of the smart card, card

reader, terminal, and user application in a single development workstation.

In one embodiment of the present invention there is provided a method for a multiple smart card

simulator.

Description of Figures

Figure 1 shows a flow chart describing an embodiment for the present invention;

Figure 2 shows a flow chart describing an embodiment for the present invention;

Figure 3 shows a flow chart describing an embodiment for the present invention. Detailed Description

Smart cards often have different characteristics. These characteristics include available memory, the

manner in which they handle error conditions, the command sequence to be input or the data

returned from a command sequence. Smart cards often also have idiosyncratic quirks or bugs.

These characteristics and quirks must be simulated in order to have an effective simulation.

The present invention provides a method for providing a multiple smart card simulator. In one

embodiment, as set out in figure 1 , the following steps occur:

(i) storing a first set of characteristics of a first smart card (step 100). These are stored

in memory in the developer's workstation;

(ii) creating a first smart card simulator simulating operation of said first smart card (step

105). The simulator operates by processing data in the same way that a real smart

card would;

(iii) storing a second set of characteristics of a second smart card (Step 110); (iv) simulating operation of said second smart card thereby creating a second smart card

simulator (step 115). The simulator operates by processing data in the same way that

a real smart card would;

(v) receiving a first input from a first smart card application (step 130). As used herein,

smart card applications refer to user applications running on the developer's work

station or on a simulated terminal and not to thin or trivial applications running only

on the smart card;

(vi) modifying said first input based on said first set of characteristics (step 140);

(vii-) sending a first modified input to said first smart card simulator (step 150);

(viii) modifying said first input based on such second set of characteristics to form a

second modified input; and sending the second modified input to said second smart

card simulator (steps 155 and 160). The second simulator needs a different modified

input because it has different characteristics;

(ix) receiving a first output from said first smart card simulator generated in response to

said first modified input (step 170). The output is generated by the simulator by

methods known to those skilled in the art; (x) modifying said first output based on said first set of characteristics to form a first

modified output (step 180);

(xi) transmitting said first modified output to said smart card application (step 190);

(xii) receiving a second output from said second smart card simulator generated in

response to said second modified input (step 200). The output is generated by means to those skilled in the art;

(xiii) modifying said second output based on said second set of characteristics to form a

second modified output (step 210);

(xiv) transmitting said second modified output to said smart card application (step 220);

In another embodiment, a method is provided for simultaneously running different applications on

different smart cards. This method is shown on Figure 2 and comprises the following steps:

(i) receiving a second input from a second smart card application (step 300);

(ii) modifying said second input based on said first set of characteristics (step 310);

(iii) sending a third modified input to said first smart card simulator (step 320); (iv) receiving a third output from said first smart card simulator in response to said third

modified input (step 330);

(v) modifying first said third output based on said first set of characteristics (step 340);

(vi) transmitting said third modified output to said second smart card application (step

350);

One important aspect of the invention is the ability to simulate card insertion. Depending on the

characteristics of the inserted card, different applications may be downloaded into the card. This

method is shown in Figure 3 and comprises the steps:

(i) generating a simulated smart card insertion (step 400);

(ii) determining characteristics of the inserted card (step 405);

(iii) notifying registered listeners (step 410);

(iv) determining available applications (step 420); (v) downloading to a simulated smart card and to a simulated terminal at least one smart

card application (step 430) and

(vi) repeating (steps 400 - 430)

In the above methods it may be advantageous to simulate Java Cards, for which many development

tools currently exist and for which the same program code can run in the actual smart card and in the

simulator, namely the Java programming language.

Further details are set out in appendix A "Alchemy: Science and Magic for Intelligent Devices"

especially sections 5 and 5.1 and in co-pending U.S. applications 09/332,069 titled "Method and

Apparatus for Incremental Download from Server to Client", 09/332,191 titled "Method and System

of Deploying an Application between Computers", 09/332,192 titled "Method and System for

Remotely Observing and Controlling Objects and 09/332,193 titled "Method and System for

Managing and Using Persistent Storage all of which are incorporated by reference.

Claims

We claim:
1. A method of providing a multiple smart card simulator comprising:
(i) storing a first set of characteristics of a first smart card;
(ii) creating a first smart card simulator simulating operation of said first smart card;
(iii) storing a second set of characteristics of a second smart card;
(iv) simulating operation of said second smart card thereby creating a second smart card
simulator;
(v) receiving a first input from a first smart card application;
(vi) modifying said first input based on said first set of characteristics;
(vii) sending a first modified input to said first smart card simulator; (viii) modifying said first input based on such second set of characteristics to form a
second modified input; and sending the second modified input to said second smart
card simulator;
(ix) receiving a first output from said first smart card simulator generated in response to
said first modified input;
(x) modifying said first output based on said first set of characteristics to form a first
modified output;
(xi) transmitting said first modified output to said smart card application;
(xii) receiving a second output from said second smart card simulator in response to said
second modified input;
(xiii) modifying said second output based on said second set of characteristics to form a
second modified output; and
(xiv) transmitting said second modified output to said smart card application.
2. The method of claim 1 where said characteristics include one of the smart cards memory
size, command sequence, error handling routine or quirks.
3. The method of claim 1 further comprising the steps:
(i) receiving a second input from a second smart card application;
(ii) modifying said second input based on said first set of characteristics;
(iii) sending a third modified input to said first smart card simulator;
(iv) receiving a third output from said first smart card simulator in response to said third
modified input;
(v) modifying first said third output based on said first set of characteristics;
(vi) transmitting said third modified output to said second smart card application.
4. A method of simulating a multiple smart card environment comprising:
(i) detecting a simulated smart card insertion (step 400);
(ii) determining characteristics of the inserted card (step 405); (iii) notifying registered listeners (step 410);
(iv) determimng available applications (step 420);
(v) downloading to a simulated card and to a simulated terminal at least one smart card
application (step 430) and
(vi) repeating (steps 400 - 430).
PCT/CA2000/000703 1999-06-14 2000-06-14 Method for a multiple smart card simulator WO2000077750A9 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
US13867999 true 1999-06-14 1999-06-14
US60/138,679 1999-06-14

Publications (2)

Publication Number Publication Date
WO2000077750A1 true true WO2000077750A1 (en) 2000-12-21
WO2000077750A9 true WO2000077750A9 (en) 2002-08-29

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PCT/CA2000/000703 WO2000077750A9 (en) 1999-06-14 2000-06-14 Method for a multiple smart card simulator

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Cited By (13)

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US7653602B2 (en) 2003-11-06 2010-01-26 Visa U.S.A. Inc. Centralized electronic commerce card transactions
US7725369B2 (en) 2003-05-02 2010-05-25 Visa U.S.A. Inc. Method and server for management of electronic receipts
US7857215B2 (en) 2003-09-12 2010-12-28 Visa U.S.A. Inc. Method and system including phone with rewards image
US8005763B2 (en) 2003-09-30 2011-08-23 Visa U.S.A. Inc. Method and system for providing a distributed adaptive rules based dynamic pricing system
US8010405B1 (en) 2002-07-26 2011-08-30 Visa Usa Inc. Multi-application smart card device software solution for smart cardholder reward selection and redemption
US8015060B2 (en) 2002-09-13 2011-09-06 Visa Usa, Inc. Method and system for managing limited use coupon and coupon prioritization
US8119282B2 (en) 2005-06-16 2012-02-21 Exide Technologies Gmbh Pole bridge for a battery
US8407083B2 (en) 2003-09-30 2013-03-26 Visa U.S.A., Inc. Method and system for managing reward reversal after posting
US8429048B2 (en) 2009-12-28 2013-04-23 Visa International Service Association System and method for processing payment transaction receipts
US8554610B1 (en) 2003-08-29 2013-10-08 Visa U.S.A. Inc. Method and system for providing reward status
US8626577B2 (en) 2002-09-13 2014-01-07 Visa U.S.A Network centric loyalty system
FR3048298A1 (en) * 2016-02-26 2017-09-01 Gie Sesam-Vitale Cards simulation system has fleas.
US9852437B2 (en) 2002-09-13 2017-12-26 Visa U.S.A. Inc. Opt-in/opt-out in loyalty system

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Cited By (23)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8010405B1 (en) 2002-07-26 2011-08-30 Visa Usa Inc. Multi-application smart card device software solution for smart cardholder reward selection and redemption
US9852437B2 (en) 2002-09-13 2017-12-26 Visa U.S.A. Inc. Opt-in/opt-out in loyalty system
US8239261B2 (en) 2002-09-13 2012-08-07 Liane Redford Method and system for managing limited use coupon and coupon prioritization
US8015060B2 (en) 2002-09-13 2011-09-06 Visa Usa, Inc. Method and system for managing limited use coupon and coupon prioritization
US8626577B2 (en) 2002-09-13 2014-01-07 Visa U.S.A Network centric loyalty system
US7987120B2 (en) 2003-05-02 2011-07-26 Visa U.S.A. Inc. Method and portable device for management of electronic receipts
US8386343B2 (en) 2003-05-02 2013-02-26 Visa U.S.A. Inc. Method and user device for management of electronic receipts
US9087426B2 (en) 2003-05-02 2015-07-21 Visa U.S.A. Inc. Method and administration system for management of electronic receipts
US7827077B2 (en) 2003-05-02 2010-11-02 Visa U.S.A. Inc. Method and apparatus for management of electronic receipts on portable devices
US7725369B2 (en) 2003-05-02 2010-05-25 Visa U.S.A. Inc. Method and server for management of electronic receipts
US8554610B1 (en) 2003-08-29 2013-10-08 Visa U.S.A. Inc. Method and system for providing reward status
US8793156B2 (en) 2003-08-29 2014-07-29 Visa U.S.A. Inc. Method and system for providing reward status
US7857216B2 (en) 2003-09-12 2010-12-28 Visa U.S.A. Inc. Method and system for providing interactive cardholder rewards image replacement
US7857215B2 (en) 2003-09-12 2010-12-28 Visa U.S.A. Inc. Method and system including phone with rewards image
US8005763B2 (en) 2003-09-30 2011-08-23 Visa U.S.A. Inc. Method and system for providing a distributed adaptive rules based dynamic pricing system
US8407083B2 (en) 2003-09-30 2013-03-26 Visa U.S.A., Inc. Method and system for managing reward reversal after posting
US9141967B2 (en) 2003-09-30 2015-09-22 Visa U.S.A. Inc. Method and system for managing reward reversal after posting
US8244648B2 (en) 2003-09-30 2012-08-14 Visa U.S.A. Inc. Method and system for providing a distributed adaptive rules based dynamic pricing system
US9710811B2 (en) 2003-11-06 2017-07-18 Visa U.S.A. Inc. Centralized electronic commerce card transactions
US7653602B2 (en) 2003-11-06 2010-01-26 Visa U.S.A. Inc. Centralized electronic commerce card transactions
US8119282B2 (en) 2005-06-16 2012-02-21 Exide Technologies Gmbh Pole bridge for a battery
US8429048B2 (en) 2009-12-28 2013-04-23 Visa International Service Association System and method for processing payment transaction receipts
FR3048298A1 (en) * 2016-02-26 2017-09-01 Gie Sesam-Vitale Cards simulation system has fleas.

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