WO2002086665A2 - Appareil et procedes destines a un systeme de cartes intelligentes du service postal des etats-unis - Google Patents

Appareil et procedes destines a un systeme de cartes intelligentes du service postal des etats-unis Download PDF

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Publication number
WO2002086665A2
WO2002086665A2 PCT/US2002/012226 US0212226W WO02086665A2 WO 2002086665 A2 WO2002086665 A2 WO 2002086665A2 US 0212226 W US0212226 W US 0212226W WO 02086665 A2 WO02086665 A2 WO 02086665A2
Authority
WO
WIPO (PCT)
Prior art keywords
smart card
information
usps
card
customer
Prior art date
Application number
PCT/US2002/012226
Other languages
English (en)
Other versions
WO2002086665A3 (fr
Inventor
Jason S. Feinman
Original Assignee
United States Postal Service
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 United States Postal Service filed Critical United States Postal Service
Priority to AU2002258852A priority Critical patent/AU2002258852A1/en
Priority to US10/475,128 priority patent/US20040117317A1/en
Publication of WO2002086665A2 publication Critical patent/WO2002086665A2/fr
Publication of WO2002086665A3 publication Critical patent/WO2002086665A3/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

Definitions

  • This invention relates to apparatus and methods for providing a smart card system. More specifically, this invention relates to providing a USPS smart card system for accessing to USPS services.
  • Related Art
  • the "smart" card also called IC card, chip card, or memory card
  • a smart card is similar in size to a credit card, formed of a plastic body with an electronic module, a chip, embedded in a special cavity.
  • the chip stores electronic data and programs that are protected by advanced security features.
  • Other types of smart cards include cards with a magnetic stripe or bar code.
  • a smart card may accommodate more than one application while maintaining separate security conditions.
  • a smart card When connected with a reader, a smart card may have the processing power to serve many different applications. As an access-control device, smart cards make personal and business data available only to the appropriate customers. Another application provides customers with the ability to make a purchase or exchange value. Smart cards provide data portability, security and convenience.
  • Smart cards come in at least two types: contact cards and contactless cards.
  • Contact smart cards include a small gold plate about one-half inch in diameter. When the card is inserted into a smart card reader, it is the gold plate electrical contact with connectors in the reader that transfer data to and from the chip.
  • Contactless smart cards look like plastic credit cards, except that they have a chip and an antenna embedded inside. These components allow the card to communicate with an antenna/coupler unit in a reader without making physical contact. Contactless cards are the ideal solution when transactions must be processed very quickly, as in mass-transit or toll collection activities.
  • Another type of card is a combination card which is a combination of the contact and contactless card.
  • the size of a smart card is determined by an international standard, ISO 7810.
  • ISO 7816 standard also defines the physical characteristics of the plastic, including the temperature range and flexibility, position of the electrical contacts and how the microchip communicates with the outside world.
  • a number of standards have also been defined for specific applications, including digital cell phones, credit card functions (Europay, Mastercard, Visa), and electronic purses (Visacash, Mondex, Proton).
  • USPS U.S. Postal Services
  • a postal kiosk such as an Automated Postal Center
  • WO 02/21454 A1 publication number WO 02/21454 A1
  • WO 02/21454 A1 publication number WO 02/21454 A1
  • a method for accessing USPS services through the use of a smart card comprises, loading information on to a smart card, and reading, at a USPS system, information on the smart card, such that the information enables service to be provided by the USPS system.
  • the USPS system may be a postal kiosk, an automated postal center, a computer terminal, or a mailbox.
  • the service provided may be identity verification, cash usage, record of transaction, access to facilities, or authority to do business.
  • FIG. 1 is an illustration of a smart card in which methods and apparatus consistent with the invention may be implemented.
  • FIGS. 2A and 2B are illustrations of the module in a smart card in which methods and apparatus consistent with the invention may be implemented.
  • FIG. 3 shows an internal block diagram of a module in which methods and apparatus consistent with the invention may be implemented.
  • FIG. 4 is an illustration of the information stored in a smart card in which methods and apparatus consistent with the invention may be implemented.
  • FIG. 5 is a flowchart of an exemplary method for performing methods of using a USPS smart card.
  • FIG. 6 is a block diagram of types of services that may be accessed with a smart card in which methods and apparatus consistent with the invention may be implemented.
  • This invention relates to smart cards for facilitating transactions at USPS vending machines and kiosks, including access to computer systems at USPS public computer stations.
  • the smart card will permit authentication of the customer and store personal information about the customer which may be downloaded to various computer systems.
  • the smart cards will provide proof of authority to make transactions.
  • FIG. 1 is an illustration of an exemplary smart card 100 in which methods and system consistent with the invention may be implemented.
  • Smart card 100 includes an electronic module 110.
  • Smart card 100 may have a width of 85.6 mm, a height of 53.98 mm, and a thickness of 0.76 mm.
  • Smart card 100 may be a plastic, such as Polyvinyl Chloride (PVC) or Acrylonitrile Butadiene Styrene (ABS), which is able to deform up to 2 cm on the long side and 1 cm on the short side.
  • Smart card 100 may be printed with images, such as USPS logo 120.
  • smart card 100 may be transparent, may include a scratch off game, or contain advertising.
  • Module 110 may have a minimal contact size of 2 mm by 1.7 mm and include a gold plated surface. Transmission of commands, data, and card status takes place via a direct connection to the physical contact points of module 110. Module 110 is further described in FIGS. 2A and 2B.
  • Smart card 100 may have forms other than that of a card, such as a coin, a ring, or even a baggage label. Smart card 100 may also be integrated with biometric apparatus to use DNA, fingerprints, retinal eye scans, or voice prints to facilitate authorization by use of a spoken word or the touch of a hand.
  • FIGS. 2A and 2B are illustrations of an exemplary module 110 in which methods and system consistent with the invention may be implemented.
  • FIG. 2A is a top view of the module, illustrating the contact points 112 for communicating with a smart card reader (not shown).
  • Module 110 is embedded into smart card 100. Prior to embedding, a cavity is formed or milled into a plastic card. Then either a cold or hot glue process bonds the module to the card.
  • FIG. 2B is an illustration of a side view of module 110.
  • Module 110 includes an integrated circuit (IC) chip 210, epoxy potting material 230, wire bonds 240, and contact points 112.
  • IC chip 210 is further described with FIG. 3.
  • Contact points 112 may be a gold plated pad for interacting with a smart card reader (not shown).
  • Epoxy 230 may be a flexible matrix material which may comprise epoxy resin, thermoset material, thermoplastic material, or combinations thereof.
  • Wire bonds 240 connects microprocessor 210 to contact points 112 for communication with a smart card reader (not shown).
  • FIG. 3 is an internal block diagram of an exemplary IC chip 210 in which methods and system consistent with the invention may be implemented.
  • IC chip 210 includes several components all interconnected via a system bus 380.
  • Bus 380 may be, for example, a bi-directional system bus that connects the components of IC chip 210.
  • bus 380 may contain thirty-two bit address lines for addressing a memory 340 and thirty-two bit data lines for transferring data among the components. Alternatively, multiplex data/address lines may be used instead of separate data and address lines.
  • IC chip 210 may communicate with smart card reader via I/O port 370.
  • IC chip 210 contains a central processing unit (CPU) 310 connected to a memory 340.
  • CPU central processing unit
  • CPU 310 may be a microprocessor, such as a RISC processor.
  • Memory 340 may include nonvolatile memory for data storage.
  • ROM 320 may include memory for the card operating system.
  • RAM 350 may be used for the operating system computation.
  • EEPROM 330 may be used for externally accessible, non-volatile memory.
  • Clock 360 may have a clock rate between 3.5 and 8 MHz.
  • FIG. 4 is an illustration data 400 stored in ROM 320 and/or EEPROM 330 smart card 100 in which methods and apparatus consistent with the invention may be implemented.
  • Data 400 may include optional application code 410, internal parameters 420, passwords and confidential information 430, application data fields 440, and directories and file descriptions 450.
  • Optional application code 410 allows for the downloading of computer instructions in the form of application code for a variety of services.
  • Optional applications may be developed with JavaCard technology and Multos by Mondex.
  • Internal parameters 420 may be used by IC chip 210 to control the internal parameters of the card.
  • Passwords and confidential information 430 include the storage of customer specific passwords and confidential information, such as bank account numbers, credit card number, social security numbers, or any other customer specific confidential information.
  • Application data fields 440 allow for the storage of application data, such as the amount of cash left on smart card 100.
  • File descriptors 450 may be used to help in the access of local information.
  • FIG. 5 is a flowchart of an exemplary method for performing methods of using a USPS smart card.
  • Information is loaded onto smart card 100 (step 510).
  • Information may be loaded either by a smart card programming machine or manually at a USPS facility.
  • Smart card 100 for particular applications and a particular monetary value may be sold at a USPS counter by accepting cash from the customer. The customer may then use smart card 100 for the purchase of postal services, without the use of cash.
  • smart card 100 communicates with a USPS system (step 520).
  • the USPS system may be a vending machine, a kiosk, an Automated Postal Center, or any other type of USPS system that helps to facilitate a service.
  • Smart card 100 communicates with the USPS system by being inserted into a smart card reader associated with the machine.
  • Smart card 100 enables a USPS service to be provided (step 530). Examples of the service provided are listed in FIG. 6. Smart card 100 allows for multiple services to be provided. Services include use of smart card 100 for cash as an electronic purse holding electronic money, storing personal information, obtaining internet access, purchasing transportation, recording healthcare information, banking and using as a loyalty card, such as for a postal service loyalty or identification purchase program. Once a service is provided, smart card 100 may be reused.
  • smart card 100 may include providing customers access to electronic mailboxes and physical mailboxes.
  • a customer may have an electronic mailbox.
  • Smart card 100 may provide authentication of the customer's identity at a computer terminal, thus allowing the customer access to the customer's electronic mailbox and/or access to other secure areas, such as a file directory or secure web site.
  • Other postal services and products such as a physical mailbox may also be accessed by a customer's smart card, smart card 100 acting as an electronic key to provide access to the physical mailbox.
  • Federal benefits may be distributed to customers via smart card 100.
  • the recipient of benefits would physically access a specific machine with smart card 100 and either recharge with the card electronic monetary value or receive cash.
  • FIG. 6 is a block diagram of types of services that may be accessed with a smart card in which methods and apparatus consistent with the invention may be implemented.
  • Services 600 include access to USPS facilities 610, authentication of personal information 620, recording of transactions 630 and authority to do business 640.
  • Access to USPS facilities 610 encompasses using smart card 100 to access postal kiosks and automated postal centers.
  • Authentication of personal information 620 encompasses using smart card 100 to authenticate the customer.
  • This authentication may be provided using a security model convenient for the average person to use.
  • One security model will use a PIN number, while another model will eliminate the PIN number requirement and substitute an encrypted mathematical representation of a biometric feature from the owner of the card.
  • the card may include information about the owner such as, the owner's address and phone number.
  • Recording of transactions 630 encompasses using smart card 100 to record all transactions attempted by a customer. This may include recording all times and places that smart card 100 is used.
  • Authority to do business 640 encompasses using smart card 100 to provide information to parties with whom a customer conducts business.
  • the customer may keep personal and identifying information on smart card 100. For example, if the customer wanted to conduct secure transactions with a provider (e.g. store, bank, etc.) over the Internet smart card 100 will include information or verification routines that will notify the provider that the card user is indeed the customer.
  • smart card 100 may contain authorization information informing the provider that the customer does indeed have the authorization to make the transaction. For example, if a customer were making a transaction on behalf of the customer's company, smart card 100 may contain information to inform the provider that the customer may only bind the customer's company up to a certain amount of money.
  • the customer may select the information to be stored on smart card 100, or the USPS may dictate the types of information to be stored.
  • personal information may be saved on smart card 100 itself rather than entered into a data base.
  • Information such as, but not limited to, customers name, address, phone number, customer number, birth date, hair color, eye color, Social Security number, blood type, medical information, authorization information and an electronic identification number may be stored electronically on the card.
  • the smart card may provide desired information to sites accessed by the customer, but need not provide all sites with the same information. In one way of using smart card 100, sites accessed by the customer will keep no record of personal information, but receive it from smart card 100 each time the customer accesses a site.
  • sites may store personal information (but not information such as name, address, social security number which may be linked to a specific person) linked to an electronic identification system so that the site operators will recognize when the same customer is accessing a site, therefore allowing customer needs and preferences to be addressed, but not providing site operators with access to identity information.

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  • Engineering & Computer Science (AREA)
  • Computer Hardware Design (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

L'invention concerne un procédé d'utilisation d'une carte intelligente qui donne accès aux services d'USPS (service postal des Etats-Unis). L'invention comprend un procédé de distribution des services de USPS qui consiste à charger les informations sur une carte intelligente et lire, dans un système USPS, les informations sur la carte intelligente, de manière à ce que ces informations permettent au système USPS de fournir le service. Le système USPS peut être un kiosque postal, un bureau postal automatisé, une borne informatisée ou une boîte postale. Le service proposé peut être la vérification de l'identité, l'utilisation de l'argent comptant, l'enregistrement d'une transaction, l'accès aux installations ou l'autorité de mener une transaction.
PCT/US2002/012226 2001-04-18 2002-04-18 Appareil et procedes destines a un systeme de cartes intelligentes du service postal des etats-unis WO2002086665A2 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
AU2002258852A AU2002258852A1 (en) 2001-04-18 2002-04-18 Apparatus and methods for a united states postal service smart card system
US10/475,128 US20040117317A1 (en) 2002-04-18 2002-04-18 Apparatus and methods for a united states postal service smart card system

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US28420001P 2001-04-18 2001-04-18
US60/284,200 2001-04-18

Publications (2)

Publication Number Publication Date
WO2002086665A2 true WO2002086665A2 (fr) 2002-10-31
WO2002086665A3 WO2002086665A3 (fr) 2003-12-11

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Cited By (20)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7668750B2 (en) 2001-07-10 2010-02-23 David S Bonalle Securing RF transactions using a transactions counter
US7705732B2 (en) 2001-07-10 2010-04-27 Fred Bishop Authenticating an RF transaction using a transaction counter
US7762457B2 (en) 2001-07-10 2010-07-27 American Express Travel Related Services Company, Inc. System and method for dynamic fob synchronization and personalization
US7768379B2 (en) 2001-07-10 2010-08-03 American Express Travel Related Services Company, Inc. Method and system for a travel-related multi-function fob
US7827106B2 (en) 2001-07-10 2010-11-02 American Express Travel Related Services Company, Inc. System and method for manufacturing a punch-out RFID transaction device
US7835960B2 (en) 2000-03-07 2010-11-16 American Express Travel Related Services Company, Inc. System for facilitating a transaction
US7925535B2 (en) 2001-07-10 2011-04-12 American Express Travel Related Services Company, Inc. System and method for securing RF transactions using a radio frequency identification device including a random number generator
US7996324B2 (en) 2001-07-10 2011-08-09 American Express Travel Related Services Company, Inc. Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia
USRE43460E1 (en) 2000-01-21 2012-06-12 Xatra Fund Mx, Llc Public/private dual card system and method
US8429041B2 (en) 2003-05-09 2013-04-23 American Express Travel Related Services Company, Inc. Systems and methods for managing account information lifecycles
US8538863B1 (en) 2001-07-10 2013-09-17 American Express Travel Related Services Company, Inc. System and method for facilitating a transaction using a revolving use account associated with a primary account
US8543423B2 (en) 2002-07-16 2013-09-24 American Express Travel Related Services Company, Inc. Method and apparatus for enrolling with multiple transaction environments
US8548927B2 (en) 2001-07-10 2013-10-01 Xatra Fund Mx, Llc Biometric registration for facilitating an RF transaction
US8635131B1 (en) 2001-07-10 2014-01-21 American Express Travel Related Services Company, Inc. System and method for managing a transaction protocol
US9024719B1 (en) 2001-07-10 2015-05-05 Xatra Fund Mx, Llc RF transaction system and method for storing user personal data
USRE45615E1 (en) 2001-07-10 2015-07-14 Xatra Fund Mx, Llc RF transaction device
US9454752B2 (en) 2001-07-10 2016-09-27 Chartoleaux Kg Limited Liability Company Reload protocol at a transaction processing entity
US9881294B2 (en) 2001-07-10 2018-01-30 Chartoleaux Kg Limited Liability Company RF payment via a mobile device
US9886692B2 (en) 2001-07-10 2018-02-06 Chartoleaux Kg Limited Liability Company Securing a transaction between a transponder and a reader
US10839388B2 (en) 2001-07-10 2020-11-17 Liberty Peak Ventures, Llc Funding a radio frequency device transaction

Families Citing this family (4)

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US9031880B2 (en) 2001-07-10 2015-05-12 Iii Holdings 1, Llc Systems and methods for non-traditional payment using biometric data
US7360689B2 (en) 2001-07-10 2008-04-22 American Express Travel Related Services Company, Inc. Method and system for proffering multiple biometrics for use with a FOB
US8960535B2 (en) 2001-07-10 2015-02-24 Iii Holdings 1, Llc Method and system for resource management and evaluation
US6805287B2 (en) 2002-09-12 2004-10-19 American Express Travel Related Services Company, Inc. System and method for converting a stored value card to a credit card

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Cited By (23)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
USRE43460E1 (en) 2000-01-21 2012-06-12 Xatra Fund Mx, Llc Public/private dual card system and method
US7835960B2 (en) 2000-03-07 2010-11-16 American Express Travel Related Services Company, Inc. System for facilitating a transaction
US8818907B2 (en) 2000-03-07 2014-08-26 Xatra Fund Mx, Llc Limiting access to account information during a radio frequency transaction
US8266056B2 (en) 2001-07-10 2012-09-11 American Express Travel Related Services Company, Inc. System and method for manufacturing a punch-out RFID transaction device
US8538863B1 (en) 2001-07-10 2013-09-17 American Express Travel Related Services Company, Inc. System and method for facilitating a transaction using a revolving use account associated with a primary account
US7768379B2 (en) 2001-07-10 2010-08-03 American Express Travel Related Services Company, Inc. Method and system for a travel-related multi-function fob
US7889052B2 (en) 2001-07-10 2011-02-15 Xatra Fund Mx, Llc Authorizing payment subsequent to RF transactions
US7925535B2 (en) 2001-07-10 2011-04-12 American Express Travel Related Services Company, Inc. System and method for securing RF transactions using a radio frequency identification device including a random number generator
US7996324B2 (en) 2001-07-10 2011-08-09 American Express Travel Related Services Company, Inc. Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia
US7762457B2 (en) 2001-07-10 2010-07-27 American Express Travel Related Services Company, Inc. System and method for dynamic fob synchronization and personalization
US7668750B2 (en) 2001-07-10 2010-02-23 David S Bonalle Securing RF transactions using a transactions counter
US10839388B2 (en) 2001-07-10 2020-11-17 Liberty Peak Ventures, Llc Funding a radio frequency device transaction
US7827106B2 (en) 2001-07-10 2010-11-02 American Express Travel Related Services Company, Inc. System and method for manufacturing a punch-out RFID transaction device
US9886692B2 (en) 2001-07-10 2018-02-06 Chartoleaux Kg Limited Liability Company Securing a transaction between a transponder and a reader
US8548927B2 (en) 2001-07-10 2013-10-01 Xatra Fund Mx, Llc Biometric registration for facilitating an RF transaction
US8635131B1 (en) 2001-07-10 2014-01-21 American Express Travel Related Services Company, Inc. System and method for managing a transaction protocol
US7705732B2 (en) 2001-07-10 2010-04-27 Fred Bishop Authenticating an RF transaction using a transaction counter
US9024719B1 (en) 2001-07-10 2015-05-05 Xatra Fund Mx, Llc RF transaction system and method for storing user personal data
USRE45615E1 (en) 2001-07-10 2015-07-14 Xatra Fund Mx, Llc RF transaction device
US9454752B2 (en) 2001-07-10 2016-09-27 Chartoleaux Kg Limited Liability Company Reload protocol at a transaction processing entity
US9881294B2 (en) 2001-07-10 2018-01-30 Chartoleaux Kg Limited Liability Company RF payment via a mobile device
US8543423B2 (en) 2002-07-16 2013-09-24 American Express Travel Related Services Company, Inc. Method and apparatus for enrolling with multiple transaction environments
US8429041B2 (en) 2003-05-09 2013-04-23 American Express Travel Related Services Company, Inc. Systems and methods for managing account information lifecycles

Also Published As

Publication number Publication date
WO2002086665A3 (fr) 2003-12-11
AU2002258852A1 (en) 2002-11-05

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