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
  • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
  • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
• • G—PHYSICS
  • G07—CHECKING-DEVICES
  • G07F—COIN-FREED OR LIKE APPARATUS
  • G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
  • G07F17/16—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for devices exhibiting advertisements, announcements, pictures or the like
• • 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
• • 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
  • G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
  • G07B15/00—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points
• • H—ELECTRICITY
  • H04—ELECTRIC COMMUNICATION TECHNIQUE
  • H04M—TELEPHONIC COMMUNICATION
  • H04M3/00—Automatic or semi-automatic exchanges
  • H04M3/38—Graded-service arrangements, i.e. some subscribers prevented from establishing certain connections
  • H04M3/387—Graded-service arrangements, i.e. some subscribers prevented from establishing certain connections using subscriber identification cards

Definitions

• This invention constitutes a contribution to the general field of electronic payment devices and to the transfer of vouchers from an issuing authority to said devices. Exposure of the technical problem which has prompted an inventive effort.
• the Purpose of the present paper is: to create money and time-saving devices that are inexpensive, and which almost any subscriber to a Line Telephone network can afford. As will be seen, these add-on devices could be used also by the owner of a mobile telephone.
• an RF antenna configuration which can transfer a multiple of the power to the card component, and besides rejects common mode noise inputs thereby making card transfers safer.
• the invention will be explained in two versions, one for those who are connected to the telephone cable network, and one who own a mobile telephone. (The same 'addon' product can be used for both versions).
• the here described products and systems are all characterised by the feature that they contain a contactless card- READ / WRITE device side by side with other devices such as phase-locked loops, analogue or digital filters, so as to transfer information from one card to another, or from one card to a computer system respectively, or from, a computer system to a card of the said type. .
• a contactless card- READ / WRITE device side by side with other devices such as phase-locked loops, analogue or digital filters, so as to transfer information from one card to another, or from one card to a computer system respectively, or from, a computer system to a card of the said type.
• Ticket data for any event may be transferred from an Agency via a telephone link between the Agency and a private subscriber to the telephone network. This means that the subscriber's own PDC can be converted into a ticket for any number of persons, for such events where ticket checking means and seat display monitors had been installed.
• Fig. 1 shows a block diagram for an Add-on Box, and how it connects to the pocket-size data carrier (PDC) and the telephone line.
• Fig. 2 shows the block diagram of a PDC
• Fig. 3 shows the structure of link between a PDC and the Computer of a Ticket Agency, or that of a financial institution.
• Fig. 1 shows a block diagram for an Add-on Box, and how it connects to the pocket-size data carrier (PDC) and the telephone line.
• Fig. 2 shows the block diagram of a PDC
• Fig. 3 shows the structure of link between a PDC and the Computer of a Ticket Agency, or that of a financial institution.
• FIG. 4 shows the structure of a communication link between the PDC and a Point of Sale terminal (POS) in a retail shop.
• Fig. 5 shows an alternative structure of an ADD-ON BOX and a Personal Computer (PC), so that the PDC can be used for payments through the internet.
• Fig. 6 shows the structure of communication links in the case of a fund transfer between two individual users, using a telephone line
• Fig. 7 shows the structure of the communication link in the case of a fund transfer between two individuals through the internet.
• Fig. 8 shows a telephone with a display screen and a number of buttons, some of which may be functional instruction buttons, and which comprises all the basic components of Fig. 10 Fig.
• Fig. 9 shows a conventional telephone connected to an "ADD - ON" box, the main Components of which are shown in Fig 10
• Fig 10 shows the essential components for an implementation design (omitting the micro-processor which controls the sequencing of messages, etc.).
• Fig. 11 shows the SEND /RECEINE add-on box for the telephone at the distant end, which is controlled by PC inputs entered by an Agency.
• Fig. 12 shows, along a frequency axis, the placing of an audio-band and one or more narrow-band digital filters or phase locked loops.
• Fig. 13 displays the view of the Computer Monitor for a specific example.
• Fig. 14 shows a modified implementation in case the telephone is a mobile one
• Fig. 15 shows the same possibility also for the Agency's Computer to function normally for the issue of tickets, even if there is a phone line defect.
• each individual PDC is associated with a personal bank account, called PDC account
• a crediting transaction will normally start with a voice session
• the ID information stored in the PDC may be read and in this context would support bank-stored data.
• FIG. 3 shows the communication link between the user's PDC and the Bank Computer.
• the add-on box acts like an ATM, the difference being that this system delivers electronic cash which is then stored in the PDC
• Crediting transactions can also be executed between two individual PDCs using a line telephone as shown in figure 6, or through the internet using add-on boxes as indicated in Fig. 5, or in a communication link as shown in Fig. 7
• Fig. 4 The case of a typical debit transaction is shown in Fig. 4 when the PDC communicates via RF - electro-magnetic waves with the POS. The user is prompted by a message on the LDC of the PDC to enter a PIN to validate the transaction.
• the top part of the telephone Fig. 8 has a recessed area 4 into which a PDC can be placed. . Alternatively, there may be a slotted area. A similar recessed area is provided for the top lid of the add-on box.
• the inside of the lid of the add-on box 33 contains an antenna 28 whose configuration is similar to that in the PDC
• the interior of the box 3 would, for example, contain a differential amplifier 19 a spike eliminator 20 an oscillator 21 for generating the oscillations at the frequency f - 2., a modulator 22 and a band pass filter 23 which admits only a carrier frequency around the mid frequency f- 2.
• This can be an electro-magneto filter or it can be a digital filter, or it can be a phase- locked loop.
• a pre-programmed protocol will ensure that no collision occurs between data sent from the card to the Agency, and data sent by the Agency to the card.
• the incoming cable 17 carries a mixture of audible signals and binary signals embedded in the frequencies f- 2 and f- 3. They will be demodulated in the circuit group 26.. and the output is applied to the oscillator 27 which would operate at one of the standard frequencies reserved for contactless cards. Within the card, these signals are further demodulated so that binary levels can be entered into the non-volatile memory of the PDC. As to the verbal exchanges between the home phone and the Agency operator, these can go on irrespective of any data exchanges, at the same time.

Landscapes

• Physics & Mathematics (AREA)
• General Physics & Mathematics (AREA)
• Engineering & Computer Science (AREA)
• Business, Economics & Management (AREA)
• Accounting & Taxation (AREA)
• Computer Networks & Wireless Communication (AREA)
• Strategic Management (AREA)
• General Business, Economics & Management (AREA)
• Theoretical Computer Science (AREA)
• Finance (AREA)
• Microelectronics & Electronic Packaging (AREA)
• Telephonic Communication Services (AREA)
• Telephone Function (AREA)
• Mobile Radio Communication Systems (AREA)

Priority Applications (2)

Applications Claiming Priority (2)

Publications (1)

Family

ID=35242065

Family Applications (1)

Country Status (2)

Families Citing this family (1)

Citations (3)

• 2005
  • 2005-04-22 WO PCT/IB2005/001161 patent/WO2005107299A1/en active Application Filing
  • 2005-04-22 CN CNA2005800213399A patent/CN1977557A/zh active Pending

Patent Citations (3)

Also Published As

Similar Documents

Legal Events