WO2004102494A1 - Terminal multifonctions pour transactions commerciales - Google Patents

Terminal multifonctions pour transactions commerciales Download PDF

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Publication number
WO2004102494A1
WO2004102494A1 PCT/BR2004/000069 BR2004000069W WO2004102494A1 WO 2004102494 A1 WO2004102494 A1 WO 2004102494A1 BR 2004000069 W BR2004000069 W BR 2004000069W WO 2004102494 A1 WO2004102494 A1 WO 2004102494A1
Authority
WO
WIPO (PCT)
Prior art keywords
mentioned
commercial transactions
characteristic
terminal
multifunctional terminal
Prior art date
Application number
PCT/BR2004/000069
Other languages
English (en)
Inventor
Luiz Alberto De Vasconcelos Barros
Antonio Tadeu Lisboa Perazzo Lannes
Original Assignee
Above-Net Importação, Comércio De Informática, Telecomunicação E Serviços Ltda.
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 Above-Net Importação, Comércio De Informática, Telecomunicação E Serviços Ltda. filed Critical Above-Net Importação, Comércio De Informática, Telecomunicação E Serviços Ltda.
Publication of WO2004102494A1 publication Critical patent/WO2004102494A1/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
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • 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
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/205—Housing aspects of ATMs
    • 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
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/0018—Constructional details, e.g. of drawer, printing means, input means

Definitions

  • This invention relates generally to a terminal device for commercial transactions whether made with debit, credit or smart cards authorizations. Specifically, it refers to a multi-usage electronic terminal device for commercial transactions that offers multiple operational resources and connectivity options which cannot be found in terminals currently known, as well as a perfected protection system against unauthorized access to the terminal's circuits. BACKGROUND OF THE INVENTION
  • the terminals in use today access the public dialed telephone network (fixed phoning) as means of on-line connection with the card operator.
  • the dialed telephone network may be the only available form for on-line transactions, especially in the countryside, we are dealing with a telephone connection rated for its duration, with a minimum value equivalent to a 4-minutes pulse.
  • the cost of a minimum telephone fee is a meaningful fraction of the retailer's profit, especially if you take a large number of daily transactions, which occurs, in general, in big cities.
  • the above mentioned PIN entry device detached from the terminal, subject to cable rupture or short circuit, not to mention possible problems in the keyboard and an increase to the cost of the terminal, due to the incorporation of a new device. Therefore, it is also an objective of this invention to minimize the frequency of the mentioned defects, through utilizing touch pads, with no mobile contacts. Its location, in the single tilting terminal display will allow usage by the salesperson as well as costumer, dismissing the need for the above mentioned additional module.
  • the encryption keys for data transmission are stored in the same integrated circuit that holds the terminal's operational program (PROM, EPROM or EEPROM). Storing these encryption keys along with in these (PROM, EPROM or EEPROM) devices, generates a considerable logistic problem for implementing and maintaining the terminals network, once each device must be generated in an individualized manner for a particular terminal. Besides, in case the terminal is substituted for repairs, the terminal must be opened, the EPROM removed and transferred to the substitute terminal, once the encryption keys refer to that particular store and station.
  • this device is usually a SAM (Secure Access Module) or a SIM (Security Identity Module) or another module with similar characteristics.
  • SAM Secure Access Module
  • SIM Security Identity Module
  • This devices are integrated circuits similar to the ones in the contact Smart Cards, positioned in a socket and, consequently, removable, and located in a compartment in the inferior portion of the terminal, and accessible through removing a cover that is held by screws.
  • the problem in adopting this solution is the simplicity in accessing the SAM device, for it takes only unscrewing a few screws and the device is accessible. If the device is removed the terminal ceases to operate, for the encryption keys to data transmitting are not present. This is a serious safety flaw of the equipment currently in use, and it is also an objective on this invention to promote a protection system against unauthorized access to the terminal circuits.
  • Another safety aspect and objective of this invention is the incorporation of a finger print identification system in order to prevent fraudulent usage, which eventually occur through cards and PIN illegally obtained.
  • This kind of system usually possesses a finger print sensor device, a memory to store finger print data and a comparing device which verifies if the finger print detected by the sensor device corresponds to the finger print stored in the memory.
  • a finger print sensor device may be optic or direct-contact type, possibly even being incorporated to the smart card.
  • Figure 1 presents a perspective view of the multifunctional terminal for commercial transactions
  • Figure 2 illustrates the operation of the tilting display, with is input functions (touch pad) and output of the information in a transaction;
  • Figure 3 shows an example of implementing the protection system against unauthorized access to the terminal's circuits.
  • Figure 4 illustrates the hardware which would compose a preferred assembly of the multifunctional terminal
  • the terminal contains a base (1) where the display is " assembled so it tilts (7) the display (2), a thermic printer (4) to print transaction receipts, a hybrid reading device (5) for magnetic and contact-smart cards, and a reading device (6) for wireless smart cards.
  • a head set is used (8) for voice communication through IP phoning in the terminal.
  • the tilting display is a high resolution and graphic resources color LCD, in this display the touch pad is positioned (3) allowing the data input, either by retailer or customer.
  • the display is initially facing the salesperson, who uses the touch pad on the screen to begin the transaction.
  • the sales person uses one of the customer's cards, in the appropriate reading device, and inputs the amount of the transaction.
  • the customer must authorize the transaction, inputing a PIN.
  • the display is simply tilted towards the customer as shown in Figure 2B.
  • a position sensor informs the program that the image must be rotated 180 degrees, so that it is presented correctly.
  • one of the objectives of this invention is to provide a terminal that can operate more that one card label. In a preferred, but not excludent, assembly, four different labels are allowed. To achieve that objective, the encryption keys are stored in 4 SAM devices, allowing up to four different card labels per terminal. This characteristic enables the counter area needs to be reduced in a 4:1 reduction when compared to traditional solutions.
  • FIG. 3 shows, as a non exclusive example, an implementation of the mentioned protection system against unauthorized access to circuits, where it can be observed the SAM (9) devices mounted on the sockets, inside individual compartments (10).
  • Each compartment has a lid (11 ) with a spring (12) acting over it towards its opening and a lock (13) which, in its closed position, is held by a counterlock (14) through another spring (15) acting on it.
  • a preferred assembly of the terminal of this invention may be described as a microcomputer system with a CPU (18), RAM (19), Flash memory (20), controller (21 ) for the LCD (22) and peripheric controllers (24).
  • the hybrid reading device is interconnected (32) for magnetic and contact-smart cards, the reading device (33) for wireless smart cards, the printer (31 ) and the safety module (34).
  • an auxiliary VGA output (23) which allows usage of an external video monitor, a PS2 interface (26) for compatible mouse and/or keyboard, Compact Flash Memory cards interface (36), PCMCIA interface (25), sensors input (35) and bus extension (37).
  • connection configurability foreseen for the terminal can be through Ethernet, for a LAN or wide-band connection, through modem for conventional dialed access, through a PCMCIA in the correspondent slot, for a wireless network connection.
  • This PCMCIA slot can provide a GSM cellular connection, in a situation where there are no phone lines or wide-band connection.
  • the PCMCIA slot can provide connectivity in present forms as well as other that may come in the future, with no need for building a new hardware, simply inserting the new module and loading the appropriate software driver.
  • USB connection it offers countless additional peripheries to be connected to the terminal, such as bar code readers, scanners, checks readers/printers, etc.
  • VoIP Voice Over IP technology
  • two implementation options must be considered, regarding the multifunctional aspect of this terminal.
  • the final effect of the gateway/router is to provide VoIP communication.
  • the gateway also allows the connection of the retailer's PABX central (if there is one) and therefore allows the communication to be performed, not only though the terminal's head-set but also through any extension of the mentioned PABX central.
  • the VPN router brings, also, the security of a VPN to the communications, ensuring the possibility of internet connection in an absolutely secure manner.

Landscapes

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

Abstract

L'invention concerne un terminal multifonctions pour transactions commerciales effectuées au moyen de cartes de débits, de cartes de crédits ou d'autres cartes similaires. Ce terminal associe les aspects d'une opération simple par un affichage incliné (2) comportant un pavé tactile (3) et permettant un accès facile aussi bien au marchand qu'au client, ceux d'un système de protection contre l'accès non autorisé aux circuits du terminal, ainsi que des options de connectivité normalement non fournies par ce genre de dispositifs. Le terminal permet également d'utiliser au moins quatre différents labels de cartes, exploite un système d'identification des empreintes digitales de l'utilisateur, et permet la communication vocale via le système vocal sur l'Internet, au moyen de la structure de communication installée pour les transactions.
PCT/BR2004/000069 2003-05-19 2004-05-19 Terminal multifonctions pour transactions commerciales WO2004102494A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
BR0301164A BR0301164A (pt) 2003-05-19 2003-05-19 Terminal multifuncional para transações comerciais
BRPI0301164-0 2003-05-19

Publications (1)

Publication Number Publication Date
WO2004102494A1 true WO2004102494A1 (fr) 2004-11-25

Family

ID=33437648

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/BR2004/000069 WO2004102494A1 (fr) 2003-05-19 2004-05-19 Terminal multifonctions pour transactions commerciales

Country Status (2)

Country Link
BR (1) BR0301164A (fr)
WO (1) WO2004102494A1 (fr)

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2917874A1 (fr) * 2007-06-22 2008-12-26 Thales Sa Terminal de billettique embarque
DE202009009470U1 (de) * 2009-07-09 2010-11-18 Crown Technologies Gmbh Vorrichtung zur Abwicklung von Geldgeschäften
CN103400459A (zh) * 2013-07-09 2013-11-20 广东川田科技有限公司 一种主机与周边配置通过无线信息交换的收款机
EP2824644A1 (fr) * 2013-07-09 2015-01-14 Wincor Nixdorf International GmbH Système de caisse avec écran utilisable des deux côtés
EP2682921B1 (fr) * 2012-07-03 2021-06-02 Wincor Nixdorf International GmbH Terminal de paiement

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1999060533A1 (fr) * 1998-05-14 1999-11-25 Ivi Checkmate Limited Terminal de transaction financiere avec limitation d'acces
JP2001268613A (ja) * 2000-03-15 2001-09-28 Sony Corp 携帯情報端末
US6308887B1 (en) * 1997-12-02 2001-10-30 Cash Technologies, Inc. Multi-transactional architecture
US6360953B1 (en) * 1998-07-15 2002-03-26 Magnex Corporation Secure print sensing smart card with on-the-fly-operation

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6308887B1 (en) * 1997-12-02 2001-10-30 Cash Technologies, Inc. Multi-transactional architecture
WO1999060533A1 (fr) * 1998-05-14 1999-11-25 Ivi Checkmate Limited Terminal de transaction financiere avec limitation d'acces
US6360953B1 (en) * 1998-07-15 2002-03-26 Magnex Corporation Secure print sensing smart card with on-the-fly-operation
JP2001268613A (ja) * 2000-03-15 2001-09-28 Sony Corp 携帯情報端末

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
PATENT ABSTRACTS OF JAPAN *

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2917874A1 (fr) * 2007-06-22 2008-12-26 Thales Sa Terminal de billettique embarque
WO2009000607A1 (fr) * 2007-06-22 2008-12-31 Thales Terminal de billettique embarque
US8544738B2 (en) 2007-06-22 2013-10-01 Thales Onboard computer ticketing terminal
DE202009009470U1 (de) * 2009-07-09 2010-11-18 Crown Technologies Gmbh Vorrichtung zur Abwicklung von Geldgeschäften
EP2682921B1 (fr) * 2012-07-03 2021-06-02 Wincor Nixdorf International GmbH Terminal de paiement
CN103400459A (zh) * 2013-07-09 2013-11-20 广东川田科技有限公司 一种主机与周边配置通过无线信息交换的收款机
EP2824644A1 (fr) * 2013-07-09 2015-01-14 Wincor Nixdorf International GmbH Système de caisse avec écran utilisable des deux côtés

Also Published As

Publication number Publication date
BR0301164A (pt) 2005-05-10

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