WO2009148980A2 - Dispositif de transaction de client portable à contrôle d'accès alimenté sur carte - Google Patents

Dispositif de transaction de client portable à contrôle d'accès alimenté sur carte Download PDF

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Publication number
WO2009148980A2
WO2009148980A2 PCT/US2009/045761 US2009045761W WO2009148980A2 WO 2009148980 A2 WO2009148980 A2 WO 2009148980A2 US 2009045761 W US2009045761 W US 2009045761W WO 2009148980 A2 WO2009148980 A2 WO 2009148980A2
Authority
WO
WIPO (PCT)
Prior art keywords
card
transaction
account
portable consumer
information
Prior art date
Application number
PCT/US2009/045761
Other languages
English (en)
Other versions
WO2009148980A3 (fr
Inventor
James Douglas Evans
Nicole Janine Granucci
Carrie Elaine Vriheas
Ayman A. Hammad
James Y.C. Sze
Original Assignee
Visa U.S.A. Inc.
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 Visa U.S.A. Inc. filed Critical Visa U.S.A. Inc.
Priority to AU2009256413A priority Critical patent/AU2009256413A1/en
Priority to EP09759141A priority patent/EP2304677A4/fr
Priority to CA2726787A priority patent/CA2726787A1/fr
Priority to BRPI0913101A priority patent/BRPI0913101A2/pt
Publication of WO2009148980A2 publication Critical patent/WO2009148980A2/fr
Publication of WO2009148980A3 publication Critical patent/WO2009148980A3/fr

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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
    • G07F7/12—Card verification
    • G07F7/122—Online card verification
    • 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
    • G06Q20/20—Point-of-sale [POS] network systems
    • 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
    • G06Q20/30—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
    • G06Q20/352—Contactless payments by cards
    • 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
    • G06Q20/354—Card activation or deactivation
    • 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
    • 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
    • G07F7/0806—Details of the card
    • 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
    • G07F7/0806—Details of the card
    • G07F7/0813—Specific details related to card security
    • 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
    • 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
    • G07F7/1025—Identification of user by a PIN code
    • G07F7/1083—Counting of PIN attempts

Definitions

  • the present invention relates to a portable consumer transaction device to conduct a financial with a merchant on an account associated with the device.
  • Credit cards, debit cards, gift cards, charge cards, and the like are ubiquitous in consumer finance. When a consumer cardholder makes a purchase from a merchant, credit cards may be used to pay for the transaction. With credit cards, cardholders may pay for transactions up to a certain pre-set limit.
  • the credit limit of a card is the maximum dollar amount a cardholder (sometimes referred to as a borrower) may charge on his/her revolving credit account.
  • the credit limit is also known as a "credit line,” or "line size.”
  • Some credit card issuers also known as lenders or “issuers” set separate limits for purchases and cash advances. When the total purchase amounts exceed the credit limit of the card, the cardholder is often assessed an "over the limit" fee by the credit card issuing institution (the “issuer"). Spending more than the credit limit will make the account over-limit, which may cause the lender to charge an over-limit fee and/or cancel account privileges.
  • Cardholders who carry credit cards are often unaware of the balance of a credit card (also referred to as "available credit”), especially when many purchase transactions have taken place. While the cardholder can look up their balances on-line, or via the telephone, many cardholders simply stop using their credit cards, even though they have not charged up their entire credit limit.
  • available credit also referred to as "available credit”
  • a bearer of the card presents the card to a merchant for the purchase of an item.
  • the merchant takes the presented card and swipes the card through a magnetic strip card reading device.
  • the information contained on the magnetic strip of the card is read and transmitted to the issuing financial institution.
  • the financial institution cross checks its database of active cards to the information received.
  • the financial institution verifies that the card is active and that there are sufficient funds or credit to complete the transaction. If these checks are satisfactorily performed, an approval is provided to the merchant for the purchase.
  • the merchant returns the card to the bearer and requires a signature from the bearer, authorizing the transaction.
  • the merchant verifies the signature of the bearer with a signature on the back of the card and the transaction is then complete.
  • Authorization of the transaction with a conventional card occurs at two points in the transaction.
  • the first authorization occurs at the financial institution that issues the card wherein an electronic database is used to check valid authorization numbers.
  • the second authorization occurs at the merchant where the signature check is performed.
  • the second check performed at the merchant although well intentioned, is prone to error. Merchants may forget to compare the signature or the signature itself can be forged.
  • conventional cards do not have a capability to allow a bearer to authorize use of the card.
  • the card may further comprise at least one magnetic strip configured to be read by a card reader.
  • the card may further comprise at least one hologram on at least one of the front and the back face of the card.
  • the card may be further configured with a magnetic strip that is a passive magnetic strip.
  • the card may also be configured such that the magnetic strip is an active magnetic strip connected to at least one of the thin film battery and the photovoltaic layer.
  • the photovoltaic layer may be configured under a surface of the magnetic strip.
  • the card may further be configured such that the photovoltaic layer is connected to the thin film battery through a metallic connection. Moreover, the photovoltaic layer is configured underneath a plastic protection layer.
  • An alternative aspect provides a method of authenticating a user for a financial transaction.
  • the method includes providing a portable consumer financial transaction device with a personal identification input system, inputting a personal identification code into the personal identification input system, verifying the personal identification code with a pre-stored code, the verifying performed on the device, activating one of an active magnetic strip, a contactless radio frequency unit and computer chip on the device when the personal identification code and the pre-stored code match; and maintaining an inactive status for one of the active magnetic strip, the contactless radio frequency unit and the computer chip on the device when the personal identification code and the pre-stored code do not match.
  • the device may have a sound system and have tactile feedback for allowing a user to identify input.
  • the method may also be configured such that after a predetermined amount of time, such as 2 minutes, the portable consumer financial transaction device functions may be deactivated.
  • a card having at least one of an active magnetic strip, a contactless radio frequency unit and computer chip, a power source embedded within the card for powering the at least one of, the active magnetic strip, the contactless radio frequency unit and the computer chip, and a biometric checking system.
  • This implementation may be used to authenticate a user in a timely and cost effective manner, preventing fraud.
  • a portable consumer financial transaction device can have at least one hologram on at least one of the front and the back face of the card.
  • the device may further be configured such that the power source is a thin-film battery.
  • Implementations may further include at least one of entering the pre- stored code into the personal identification input system before the providing of a portable consumer financial transaction device with the personal identification input system and entering the pre-stored biometric information into the biometric input system.
  • Methods of other implementations may further include deactivating the one of the active magnetic strip, the contactless radio frequency unit and the computer chip on the portable consumer financial transaction device when the personal identification code and the pre-stored code match and the biometric information entered into the biometric input system and the pre-stored biometric information match after a predetermined amount of time.
  • the method may also include deactivating the one of the active magnetic strip, the contactless radio frequency unit and the computer chip on the card when the personal identification code and the pre-stored code match after a predetermined amount of time.
  • Additional aspects provide for a capacitor embedded within a card of the portable consumer financial transaction device, the capacitor connected to the one of the active magnetic strip, the contactless radiofrequency unit and the computer chip on the card, and the piezo pad, and a personal identification number input system positioned on the portable consumer financial transaction device and connected to the capacitor and the one of the active magnetic strip, the contactless radiofrequency unit and the computing device of the portable consumer financial transaction device.
  • a method is provided.
  • the method Pa ge 5 provides for providing a portable consumer financial transaction device, inputting biometric information into a biometric input system of the portable consumer financial transaction device, verifying the biometric information entered into the biometric input system with pre-stored biometric information of the portable consumer financial transaction device, activating one of an active magnetic strip, a contactless radiofrequency unit and computing device of the portable consumer financial transaction device when the biometric information entered into the biometric input system is successfully verified; and maintaining an inactive status for one of the 'active magnetic strip, the contactless radiofrequency unit and the computer chip on the card when information is not successfully verified by the biometric input system wherein power for the portable consumer financial transaction device is provided by at least one of: (i) a piezo pad configured to produce electricity upon compression by a user; and (ii) a capacitor embedded within the portable consumer financial transaction device.
  • a portable consumer financial transaction device is contemplated as being in any of a variety of form factors, including a 'smart card', a smart key fob, a cellular telephone, a web enabled portable consumer electronics device, a hand-held computing device, a personal digital assistance, other such thin clients intended by size and weight for consumer hand-carried portability.
  • FIG. 5 is a flow chart of a card- writer process implementation configured to store current account balance or remaining credit limit information on a card after a payment transaction.
  • FIG. 6 illustrates a process implementation that stores current account balance or remaining credit limit information on a card after a payment transaction.
  • Figure 9-1 is an illustration of a front of a financial transaction card.
  • Figure 9-2 is a back view of the financial transaction card of Figure 9-1.
  • Figure 9-3 is a cross-sectional view of Figure 9-2.
  • Figure 9-4 is a partial cross-sectional view of Figure 9-3.
  • Figure 9-5 is a cut away view of the financial transaction card of Figure 9-1.
  • Figure 10-1 is an illustration of a front of a financial transaction card.
  • Figure 10-2 is a back view of the financial transaction card of Figure 10-1.
  • Figure 10-5 is a flow chart for a method of accessing financial transaction card functions.
  • Figure 12-2 is a back view of the financial transaction card of Figure 12-1.
  • Figure 14 illustrates an exemplary transaction processing system. DETAILED DESCRIPTION
  • a portable consumer transaction device is disclosed herein.
  • the portable consumer financial transaction device is contemplated as being in any of a variety of form factors, including a 'smart card', a smart key fob, a cellular telephone, a web enabled portable consumer electronics device, a hand-held computing device, a personal digital assistance, other such thin clients intended by size and weight for consumer hand-carried portability.
  • the portable consumer financial transaction device can be a debit, credit, prepaid, and/or gift card.
  • Other cards by which a consumer can conduct a transaction with a merchant are also contemplated for the portable consumer payment card.
  • the portable consumer payment card has various components.
  • One such component supplies power to the other components of the portable consumer payment card.
  • the power supply can be a photovoltaic layer in the card, a power storage device, in electrical communication with the photovoltaic layer such that the power storage device stores electrical power produced by the photovoltaic layer when the photovoltaic layer is exposed to light.
  • the power supply can also be a 'piezo pad' configured, upon compression ⁇ to produce electricity for storage in power supply, such as a thin film capacitor.
  • Another component of the portable consumer payment card is a component that functions to store information and instructions.
  • the information can include an identifier for an account issued to a card holder for the use of the portable consumer payment card to conduct a transaction on the account with a merchant.
  • This component can be memory, such as nonvolatile memory, SRAM, DRAM, and the like.
  • Another component of the portable consumer payment card is a component that performs a function of receiving data into the information in the memory of the card.
  • the data can input by way of a receiver of an image of an object that is being pressed against the receiver, where the image is then stored in the memory of the card.
  • the object being received can be a finger print of the card holder such that the image is received via a biometric reader device.
  • the data can be input by one or more button, switches, or depressible sections of a substrate of the card.
  • the card can be configured such that buttons that are manually depressed in a particular order will to produce a digital access code that can be stored in the card's memory.
  • the button(s) When the button(s) is/are a piezo pad configured, upon compression ⁇ to produce electricity, then data input in this fashion will also the electricity being generated to be stored in the power source. Data can also be input to the memory of the card when the card includes a contactless radio frequency unit for wirelessly receiving a digital access code which is then stored in the card's memory.
  • Another component of the portable consumer payment card is a component, that is in communication with the card's memory and the power supply, and that performs a function of executing the instructions in the memory to control access by the card holder to use of the portable consumer payment card to conduct a transaction on an account associated with the card at a Point of Service terminal (POS) with a merchant.
  • POS Point of Service terminal
  • Yet another component of the portable consumer payment card is a component that outputs the information in card's memory.
  • a component can be, for instance, a Light Emitting Diode (LED), a Liquid Crystal Display (LCD), a contactless radio frequency unit, a sound rendering device, or a combination of these.
  • Another component of the portable consumer payment card is an active magnetic strip.
  • the active magnetic strip encodes a data set that includes an identifier for the account issued to the card holder for the use of the portable consumer payment card to conduct the transaction on the account with the merchant.
  • the encoded set of data is readable by an external reader of a Point of Sale terminal (POS) of the merchant only when power is supplied to the active magnetic strip.
  • POS Point of Sale terminal
  • the access by the card holder to use the card is accomplished by executing the instructions in an access routine stored in the memory, where this execution of instructions can be by a microprocessor, computer chip, or other computing apparatus that is also a component of the card.
  • the execution of the access routine causes the computing device to compare an access portion of the information in the cards' memory to input that was made by the card holder by use of the input device, where the comparison is made to access authorization information in the memory of the card. If this comparison finds a match, then the computing apparatus will cause power to be supplied by power supply to the active magnetic strip.
  • the identifier for the account that is encoded in the data set can be read by the external reader of the POS so that the card holder can then use the portable consumer payment card to conduct the transaction on the account with the merchant.
  • the computing apparatus of the card executes an account inquiry routine that includes instructions in the card's memory.
  • the account inquiry routine may be initiated by the card holder providing a particular input to the card by the input device.
  • the computing apparatus transmits, for instance via a wireless communicator component of the card, a request for a balance of the account.
  • the wireless communicator component can be a contactless radio frequency unit for wirelessly transreceiving.
  • the request can be sent to the POS for relay to a third party (e.g., the issuer of the account to the card holder, the merchant's acquirer, a transaction handler for the issuer and acquirer, etc.)
  • the response to the request can be relayed back to the card for display on an output component of the card and/or for display at the merchant's POS.
  • the component that performs the function of receiving data into the information in the memory of the card can have several functions.
  • this component can perform the functions of (i) being a biometric fingerprint reader to receive, and store in the access portion of the information in the memory, an image of a finger print of the cardholder when impressed upon the finger print reader; (ii) being one or more switches which, when manually compressed in a particular order and/or sequence, produces a digital access code for storage in the access portion of the information in the memory; (iii) and be a piezo device configured, upon the manual compression ⁇ to produce electricity for storage in the power supply and/or to power components of the portable consumer transaction device.
  • displaying a real-time balance or remaining credit limit on a credit card increases the likelihood of transactions on the account of the card by a cardholder.
  • account balance or credit limit display solution card holders would be able to check their balance at any time, generating a higher volume of unplanned or impulse purchases, and potentially a higher use at a POS.
  • Implementations include a card apparatus, system, method, and computer-readable medium configured to support the real-time display of a current account balance on a debit or pre-paid card, or a remaining credit limit on a credit card.
  • Other implementations may include remote terminals configured to support the real-time display of an account balance or remaining credit limit on the card.
  • the current balance may include unpaid balances from previous months, purchases, cash advances, fees, interest, transaction charges, and credits.
  • FIGS. IA-B depict a credit card 1000 configured to display a real-time balance or remaining credit limit, constructed and operative in accordance with an implementation, or a prepaid card 1000 configured to display a real-time account balance in the corresponding account associated with the prepaid card 1000.
  • the credit card 1000 includes a plastic support 1002, a display
  • plastic support 1002 may further contain a stamped imprint of a primary account number a customer name, expiration date, and various security measures such as a hologram or signature panel. Some implementations of plastic support 1002 also have a magnetic stripe containing the personal account number (PAN) and the card expiration date.
  • PAN personal account number
  • Processor 1008 may be any central processing unit, microprocessor, micro-controller, computational device or circuit known in the art.
  • Random access memory 1012 is any temporary memory storage medium element known in the art. Random access memory is usually (but does not have to be) volatile memory.
  • the processor 1008, the read only memory 1010, the random access memory 1012 and the non- volatile programmable memory 1014 may coupled to one another through an internal bus system. Data can be interchanged between the input/output unit 1016, the processor 1008 and the non- volatile programmable memory 1014. Furthermore, data can be interchanged between the processor 1008 and the non-volatile programmable memory 1014.
  • the electrically conductive contact-making element 1018 contains area elements that are electrically decoupled from one another, and these are annotated VCC, GND, RST, VPP, CLK and I/O.
  • VCC is the connection for a supply voltage
  • RST is the connection for a reset signal
  • CLK is the connection for a clock signal
  • GND is the ground connection
  • VPP is the connection for a programming voltage
  • I/O forms a connection as a data input/data output.
  • the connection RST is used for application of a start signal for communication.
  • a clock for the smart card processor is supplied from the outside via the connection CLK, with the clock frequency according to the described exemplary implementation being 7.5 MHz.
  • the programming voltage which is applied to the connection VPP is usually a voltage higher than the supply voltage.
  • Power supply 1020 may be any electrical power supply, including a battery, fuel cell, long-term capacitor or any other power storage known in the art. Power supply 1020 may be recharged by applying a direct current voltage. A voltage is applied to the credit card 1000 as the supply voltage VCC. Example supply voltages include 5 volts, 3.3 volts, or 1.7 volts.
  • FIG. 3 illustrates a system to support the display of a real-time credit card balance, available credit, cash limit, or available cash balance, constructed and operative in accordance with an implementation.
  • a customer 3100 receives a credit card 1000 from an issuer 3500.
  • the merchant 3200 contacts an acquirer 3000 (for example, a commercial bank) to determine whether the primary account number has sufficient available credit to pay for the transaction.
  • the acquirer 3300 forwards the details of the payment transaction to a payment processor 3400 for processing.
  • merchant 3200 comprises a card point-of-sale read/writer 3210 that communicated with a merchant central computer 3230 via the merchant's private network 3220.
  • merchant central computer 3230 may be coupled to hot list storage 3240.
  • FIG. 5 is a flow chart of a card-writer process implementation configured to store real-time credit card balance, available credit, cash limit, or available cash balance information on a credit card after a payment, cash withdrawal or other financial transaction, constructed and operative in accordance with an implementation.
  • a credit card validation is performed using the data retrieved from the credit card (1000 or 2000).
  • merchant central computer 3230 consults with hot list storage 3240 to determine whether the transaction may be validated.
  • merchant central computer 3230 contacts acquirer 3300 to determine whether the transaction is valid. If the transaction is invalid as determined at decision block 5004, an error message is returned at block 5006. When the transaction is valid, flow continues at block 5008.
  • the user is prompted to re-present the credit card (1000 or 2000).
  • the presentation may be accomplished as a swipe of the card (1000 or 2000).
  • the remaining balance of the credit card (1000 or 2000) is written to the magnetic strip.
  • the amount of the remaining balance may be received from issuer 3500 or payment processor 3400, or calculated by the merchant 3200 using information received from issuer 3500.
  • the card balance is written to track 3 of the magnetic strip.
  • the card balance may be written to a nonvolatile programmable storage media 1014.
  • FIG. 6 illustrates a process implementation that stores real-time credit card balance, available credit, cash limit, or available cash balance on a credit card after a payment transaction, constructed and operative in accordance with an implementation.
  • primary account number and other information may be provided to merchant 3200, block 6002.
  • Credit card (1000 or 2000) is received from a card point-of-sale read/writer 3210, via the conductive contact-making element 1018 or an embedded radio-frequency antenna embedded within the card (1000 or 2000), block 6002, and written to a magnetic strip or nonvolatile programmable storage memory 1014.
  • the card balance may write to track 3 or other tracks.
  • non-volatile programmable memory 1014 stores the card balance. At certain times, credit card 2000 users may want to add additional funds to their card
  • the card 100 to allow a merchant to visually identify if the card 100 has been officially produced by the issuing institution.
  • a security code feature 208 is also provided at the back of the card 104 for further identification purposes if needed.
  • the card 100 is also provided with a signature block 210 upon which a bearer provides a signature for authentication purposes at a merchant.
  • the back surface 202 is also configured with a PIN input system 212 positioned on the card 100.
  • the PIN input system 212 is connected to a power source 214.
  • the card 100 may also have a contactless radio frequency unit 216 and a computer chip 218 for controlling various card components on the card 100. It should be understood that chip 218 can be an ASIC or other processor capable of operating in accordance with programmed instructions.
  • an interconnection diagram 300 illustrating the components of the card 100 is presented.
  • a power source 214 is connected to a computer chip 218.
  • the power source 214 is configured to supply electrical power to the other components of the interconnection diagram 300 when necessary.
  • the PIN input system 212 is configured with ten individual pads such that a person bearing the card may input numeric or other code information into the chip 218 through the PIN input system 212. Once a series of numbers are input into the chip 218, an internal check is performed between an unlocking numeric combination that is stored in the chip 218 and the numbers that are entered on the PIN input system 212.
  • the power source 302 is a thin film battery that is 9 positioned within the body of the card 100.
  • the thin film battery may be pre- charged before the user receives the card 100, as provided by the issuer. If pads 212 are piezo pads, the power source 302 may also be charged (or recharged) through use of the pads 212 as they are compressed by the bearer. Alternative configurations are also possible, wherein the power source 302 is recharged through a photovoltaic layer placed in or on the card 100.
  • the power source 302 is configured to provide electrical power to the PIN input system 212 in a sufficient amount to allow the computer chip 218 and the PIN input system 212 to function for authentication purposes.
  • a user enters an activation code 404 into the personal identification input system 212 on the card 100.
  • This code entered at 404 is checked and compared to the code stored at 402 by the computer chip 218. If the codes at 402 and 404 do not match, the user must enter a code again at 404. If three unsuccessful attempts are made by the user, for example, the card is deactivated at step 412 by the computer chip 218. If the two codes at 402 and 404 match, then a user is prompted to enter biometric identification at 406. In this case, a finger scan is performed by the card. The individual is then asked a second time to re-input the biometric identification at 408.
  • a method 500 for accessing card functions for an activated card 100 is provided.
  • a card 100 is presented to a merchant at 502 where the card has been previously activated as provided in Figure 11-4.
  • the bearer is requested to enter biometric information at 504 onto the card 100.
  • the number of required entries of biometric information at 504 may be varied, wherein multiple entries of biometric information may be required.
  • the entered biometric information at 504 is cross-checked to valid biometric information stored in the chip 218 of the card 100 at 511. If a match occurs, as checked by the chip 218, the card functions, such as activation of a magnetic strip at 506 are performed.
  • the 12 biometric information must be re-entered at 504 after a prompt at 509. If, after three (3) attempts the information does not match, the card 100 may be deactivated for a preset period or permanently at 510. After the magnetic strip is activated at 506, the method allows for deactivation of the magnetic strip after a preset amount of time, such as two (2) minutes at 508. Time frames for controlling the preset amount of time are controlled by the chip 218. A master unlocking combination may be used by an individual for an activated card to allow for instantaneous strip activation as necessary, thereby minimizing the need for replacement cards.
  • a hologram 204 is provided at the Page '7 back of the card 100 to allow a merchant to visually identify if the card 100 has been officially produced by the issuing institution.
  • a security code feature 208 is also provided at the back of the card 104 for further identification purposes, if needed.
  • the card 100 is also provided with a signature block 210 upon which a bearer provides a signature for authentication purposes at a merchant.
  • an internal check is performed between an unlocking numeric combination that is stored in the chip 218 and the numbers that are entered on the personal identification number input system 212. If the internal check performed indicates that the number input in the personal identification number input system 212 is the same as the unlocking numeric combination that is stored in the chip 218, then the chip 218 allows power to flow from the power source, such as the piezo pad 106 or the capacitor 209 to the active magnetic strip 200.
  • the card 100 may be configured with either the piezo pad 106 or the capacitor 209 as the power source.
  • the active magnetic strip 200 is electrically powered for a predetermined amount of time and is then de-energized.
  • An override combination using the pad 212 may also be incorporated into the card 100 to allow further attempts at strip activation at 412, or may allow for instantaneous strip activation as necessary, thereby minimizing the amount of replacement cards that would be necessary if deactivation occurs at 410.
  • the override combination may be provided to the bearer, as an example, from a telephone inquiry center controlled by the issuer.
  • the financial transaction card allows for power to be generated on the card 100 and for verification of the authenticity of a user
  • the authentication of the bearer/user of the card 100 is superior to conventional cards in that biometric information is verified by the card 100. This authentication process is difficult to replicate, and therefore fraud is prevented.
  • the implementation also provides a card 100 that allows for authentication of the user, while being cost efficient in production.
  • the card 100 presented above also can be used with conventional card reading apparatus and is sufficiently rugged for continuous use.
  • FIG. 13 shows exemplary implementation of a front and back of a financial transaction card 1302 for use by a consumer to conduct a transaction with a merchant, and bearing an identifier for an account issued by an issuer to the consumer, wherein the account is used to pay the merchant for the transaction.
  • Card 1302 may include an optional shielding element, which allows desired electromagnetic, optical, or radio signals to penetrate while protecting any data encoding areas from physical abuse or damage.
  • the card 1302 may optionally have areas outside of the data encoding areas shielded from physical abuse or otherwise acceptable forms of electromagnetic radiation.
  • the magnetic stripe assembly 1310 may comprise, in one implementation 1310A, a reprogrammable magnetic stripe 1310B that accepts data and/or commands from a processor and formats and renders that data into a form on a magnetic stripe that is readable by conventional merchant magnetic stripe-reading Point Of Sale (POS) terminals.
  • POS Point Of Sale
  • the processor may program a particular account for use in a transaction as a function of user input selecting the account.
  • the processor may erase the magnetic stripe of the assembly 1310, rendering the card useless in the event of its loss or theft.
  • FIG. 13 Also in FIG. 13 is an exemplary implementation of an antenna and/or transceiver 1320.
  • the antenna 1320 may include commonly used loop inductors such as the one shown 1320A or in those shown in related ISO standards for RF-readable smart cards. With such an interface, account data may be translated, modulated and transmitted in a manner acceptable by an RF contactless merchant POS terminal, a 802.11 WiFi or WiMax network, or by a cellular or RF communications network.
  • Transaction processing system 1400 is an exemplary environment in which an account holder can conduct a transaction with a merchant on an account issued to the account holder by use of a portable consumer transaction device, as disclosed in various implementations herein.
  • the general environment of Figure 14 include that of a merchant (m) 1410, such as the merchant, who can conduct a transaction for goods and/or services with an account user (au) (e.g., consumer) on an account issued to an account holder (a) 1408 by an issuer (i) 1404, where the processes of paying and being paid for the transaction are coordinated by at least one transaction handler (th) 1402 (e.g., the transaction handler, transaction processor, payment processor).
  • the transaction includes participation from different entities that are each a component of the transaction processing system 1400.
  • the transaction processing system 1400 has a plurality of merchants (m) 1410 that includes merchant (1) 1410 through merchant (M) 1410, where M can be up to and greater than an eight digit integer.
  • Merchant (m) 1410 may be a person or entity that sells goods and/or services.
  • Merchant (m) 1410 may also be, for instance, a manufacturer, a distributor, a retailer, a load agent, a drugstore, a grocery store, a gas station, a hardware store, a supermarket, a boutique, a restaurant, or a doctor's office.
  • the account holder (a) 1408 may be a second merchant (m) 1410 making a purchase from another merchant (m) 1410.
  • Transaction processing system 1400 includes account user (1) 1408 through account user
  • AU AU 1408, where AU can be as large as a ten digit integer or larger.
  • Each account user (au) conducts a transaction with merchant (m) 1410 for goods and/or services using the account that has been issued by an issuer (i) 1404 to a corresponding account holder (a) 1408.
  • Data from the transaction on the account is collected by the merchant (m) 1410 and forwarded to a corresponding acquirer (a) 1406.
  • Acquirer (a) 1406 forwards the data to transaction handler (th) 1402 who facilitates payment for the transaction from the account issued by the issuer (i) 1404 to account holder (a) 1408.
  • Transaction processing system 1400 has a plurality of acquirers (q) 1406.
  • Each acquirer (q) 1406 may be assisted in processing one or more transactions by a corresponding agent acquirer (aq) 1406, where 'q' can be an integer from 1 to Q, where aq can be an integer from 1 to AQ, and where Q and AQ can be as large as a eight digit integer or larger.
  • Each acquirer (q) 1406 may be assisted in processing one or more transactions by a corresponding agent acquirer (aq) 1406, where 'q' can be an integer from 1 to Q, where aq can be an integer from 1 to AQ, and where Q and AQ can be as large as a eight digit integer or larger.
  • the transaction handler (th) 1402 may process a plurality of transactions within the transaction processing system 1400.
  • the transaction handler (th) 1402 can include one or a plurality or networks and switches (ns) 1402.
  • Each network/switch (ns) 1402 can be a mainframe computer in a geographic location different than each other network/switch (ns) 1402, where 'ns' is an integer from one to NS, and where NS can be as large as a four digit integer or larger.
  • Dedicated communication systems 1420, 1422 facilitate communication between the transaction handler (th) 1402 and each issuer (i) 1404 and each acquirer (a) 1406.
  • a Network 1412 via e-mail, the World Wide Web, cellular telephony, and/or other optionally public and private communications systems, can facilitate communications 1422a-622e among and between each issuer (i) 1404, each acquirer (a) 1406, each merchant (m) 1410, each account holder (a) 1408, and the transaction handler (th) 1402.
  • the Network 1412 may represent any of a variety of suitable means for exchanging data, such as: an Internet, an intranet, an extranet, a wide area network (WAN), a local area network (LAN), a virtual private network, a satellite communications network, an Automatic Teller Machine (ATM) network, an interactive television network, or any combination of the forgoing.
  • Network 1412 may contain either or both wired and wireless connections for the transmission of signals including electrical, magnetic, and a combination thereof. Examples of such connections are known in the art and include: radio frequency connections, optical connections, etc. To illustrate, the connection for the transmission of signals may be a telephone link, a Digital Subscriber Line, or cable link.
  • network 1412 may utilize any of a variety of communication protocols, such as Transmission Control Protocol/Internet Protocol (TCP /IP), for example.
  • TCP /IP Transmission Control Protocol/Internet Protocol
  • the 1408 may include the use of a portable consumer device (PCD).
  • the PCD may be one of the communication devices, or may be used in conjunction with, or as part of, the communication device.
  • the PCD may be in a form factor that can be: a card (e.g., bank card, payment card, financial card, credit card, charge card, debit card, gift card, transit pass, smart card, access card, a payroll card, security card, healthcare card, or telephone card), a tag, a wristwatch, wrist band, a key ring, a fob (e.g., SPEEDP ASS® commercially available from ExxonMobil Corporation), a machine readable medium containing account information, a pager, a cellular telephone, a personal digital assistant, a digital audio player, a computer (e.g., laptop computer), a set-top box, a portable workstation, a minicomputer, or a combination thereof.
  • a card e.g., bank card, payment card, financial card, credit
  • the PCD may include a computer readable medium.
  • the computer readable medium such as a magnetic stripe or a memory of a chip or a chipset, may include a volatile, a non- volatile, a read only, or a programmable memory that stores data, such as an account identifier, a consumer identifier, and/or an expiration date.
  • the computer readable medium may including executable instructions that, when executed by a computer, the computer will perform a method.
  • the computer readable memory may include information such as the account number or an account holder (a) 1408's name.
  • Point of Service e.g., Point of Service or browser enabled consumer cellular telephone
  • a Point of Interaction POI
  • POI Point of Interaction
  • a Point of Interaction can be a physical or virtual communication vehicle that provides the opportunity, through any channel to engage with the consumer for the purposes of providing content, messaging or other communication, related directly or indirectly to the facilitation or execution of a transaction between the merchant (m) 1410 and the consumer.
  • Examples of the POI include: a physical or virtual Point of Service (POS) terminal, the PCD of the consumer, a portable digital assistant, a cellular telephone, paper mail, e-mail, an Internet website rendered via a browser executing on computing device, or a combination of the forgoing.
  • POS Point of Service
  • the POI terminal is in operative communication with the transaction processing system 1400.
  • the PCD may interface with the POI using a mechanism including any suitable electrical, magnetic, or optical interfacing system such as a contactless system using radio frequency, a magnetic field recognition system, or a contact system such as a magnetic stripe reader.
  • the POI may have a magnetic stripe reader that makes contact with the magnetic stripe of a healthcare card (e.g., Flexible Savings Account card) of the consumer.
  • a healthcare card e.g., Flexible Savings Account card
  • the POI may be the PCD of the consumer, such as the cellular telephone of the consumer, where the merchant (m) 1410, or an agent thereof, receives the account identifier of the consumer via a webpage of an interactive website rendered by a browser executing on a World Wide Web (Web) enabled PCD.
  • the merchant (m) 1410 or an agent thereof, receives the account identifier of the consumer via a webpage of an interactive website rendered by a browser executing on a World Wide Web (Web) enabled PCD.
  • Web World Wide Web
  • a transaction begins with account user (au) 1408 presenting the portable consumer device to the merchant (m) 1410 to initiate an exchange for resources (e.g., a good or service).
  • the portable consumer device may be associated with an account (e.g., a credit account) of account holder (a) 1408 that was issued to the account holder (a) 1408 by issuer (i) 1404.
  • Merchant (m) 1410 may use the POI terminal to obtain account information, such as a number of the account of the account holder (a) 1408, from the portable consumer device.
  • the portable consumer device may interface with the POI terminal using a mechanism including any suitable electrical, magnetic, or optical interfacing system such as a contactless system using radio frequency or magnetic field recognition system or contact system such as a magnetic stripe reader.
  • the POI terminal sends a transaction authorization request to the issuer (i) 1404 of the account associated with the PCD.
  • the PCD may communicate with issuer (i) 1404, transaction handler (th) 1402, or acquirer (a) 1406.
  • Issuer (i) 1404 may authorize the transaction and forward same to the transaction handler (th) 1402.
  • Transaction handler (th) 1402 may also clear the transaction.
  • Authorization includes issuer (i) 1404, or transaction handler (th) 1402 on behalf of issuer (i) 1404, authorizing the transaction in connection with issuer (i) 1404's instructions such as through the use of business rules.
  • the business rules could include instructions or guidelines from the transaction handler (th) 1402, the account holder (a) 1408, the merchant (m) 1410, the acquirer (a) 1406, the issuer (i) 1404, a related financial institution, or combinations thereof.
  • the transaction handler (th) 1402 may, but need not, maintain a log or history of authorized transactions.
  • the merchant (m) 1410 may record the authorization, allowing the account user (au) 1408 to receive the good or service from merchant (m) or an agent thereof.
  • the merchant (m) 1410 may, at discrete periods, such as the end of the day, submit a list of authorized transactions to the acquirer (a) 1406 or other transaction related data for processing through the transaction processing system 1400.
  • the transaction handler (th) 1402 may optionally compare the submitted authorized transaction list with its own log of authorized transactions.
  • the transaction handler (th) 1402 may route authorization transaction amount requests from the corresponding the acquirer (a) 1406 to the corresponding issuer (i) 1404 involved in each transaction. Once the acquirer (a) 1406 receives the payment of the authorized transaction from the issuer (i) 1404, the acquirer (a) 1406 can forward the payment to the merchant (m) 1410 less any transaction costs, such as fees for the processing of the transaction. If the transaction involves a debit or pre-paid card, the acquirer (a) 1406 may choose not to wait for the issuer (i) 1404 to forward the payment prior to paying merchant (m) 1410.
  • the acquirer (a) 1406 can initiate the clearing and settling process, which can result in payment to the acquirer (a) 1406 for the amount of the transaction.
  • the acquirer (a) 1406 may request from the transaction handler (th) 1402 that the transaction be cleared and settled. Clearing includes the exchange of financial information between the issuer (i) 1404 and the acquirer (a) 1406 and settlement includes the exchange of funds.
  • the transaction handler (th) 1402 can provide services in connection with settlement of the transaction.
  • the settlement of a transaction includes depositing an amount of the transaction settlement from a settlement house, such as a settlement bank, which transaction handler (th) 1402 typically chooses, into a clearinghouse bank, such as a clearing bank, that acquirer (a) 1406 typically chooses.
  • the issuer (i) 1404 deposits the same from a clearinghouse bank, such as a clearing bank, which the issuer (i) 1404 typically chooses, into the settlement house.
  • a typical transaction involves various entities to request, authorize, and fulfill processing the transaction.
  • the transaction processing system 1400 will preferably have network components suitable for scaling the number and data payload size of transactions that can be authorized, cleared and settled in both real time and batch processing. These include hardware, software, data elements, and storage network devices for the same. Examples of transaction processing system 1400 include those operated, at least in part, by: American Express Travel Related
  • Each of the network/switch (ns) 1402 can include one or more data centers for processing transactions, where each transaction can include up to 100 kilobytes of data or more.
  • the data corresponding to the transaction can include information about the types and quantities of goods and services in the transaction, information about the account holder (a) 1408, the account user (au) 1408, the merchant (m) 1410, tax and incentive treatment(s) of the goods and services, coupons, rebates, rewards, loyalty, discounts, returns, exchanges, cash-back transactions, etc.
  • network/switch (ns) 1402 can include one or more mainframe computers (e.g., one or more IBM mainframe computers) for one or more server farms (e.g., one or more Sun UNIX Super servers), where the mainframe computers and server farms can be in diverse geographic locations.
  • mainframe computers e.g., one or more IBM mainframe computers
  • server farms e.g., one or more Sun UNIX Super servers
  • Each issuer (i) 1404 (or agent issuer (ai) 1404 thereof) and each acquirer (a) 1406 (or agent acquirer (aq) 1406 thereof) can use or more router/switch (e.g., CiscoTM routers/switches) to communicate with each network/switch (ns) 1402 via dedicated communication systems.
  • router/switch e.g., CiscoTM routers/switches
  • Transaction handler (th) 1402 can store information about transactions processed through transaction processing system 1400 in data warehouses such as may be incorporated as part of the plurality of networks/switches 1402. This information can be data mined.
  • the data mining transaction research and modeling can be used for advertising, account holder and merchant loyalty incentives and rewards, fraud detection and prediction, and to develop tools to demonstrate savings and efficiencies made possible by use of the transaction processing system 1400 over paying and being paid by cash, or other traditional payment mechanisms.
  • the VisaNet® system is an example component of the transaction handler (th) 1402 in the transaction processing system 1400.
  • the VisaNet® system is operated in part by Visa Inc.
  • the VisaNet® system Inc. was processing around 300 million transaction daily, on over 1 billion accounts used in over 170 countries. Financial instructions numbering over 16,000 connected through the VisaNet® system to around 30 million merchants (m) 1410.
  • m merchants
  • U.S. dollars were cleared and settled through the VisaNet® system, some of which involved a communication length of around 24,000 miles in around two (2) seconds.
  • the various steps or acts in a method or process may be performed in the order shown, or may be performed in another order.
  • one or more process or method steps may be omitted or one or more process or method steps may be added to the methods and processes.
  • An additional step, block, or action may be added in the beginning, end, or intervening existing elements of the methods and processes.
  • Implementation can be in the form of control logic, in a modular or integrated manner, in software or hardware or a combination of both.
  • the steps of a method, process, or algorithm described in connection with the implementations disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two.
  • the control logic may be stored in an information storage medium as a plurality of instructions adapted to direct an information processing device to perform a set of steps disclosed in embodiment. Based on the disclosure and teachings provided herein, a person of ordinary skill in the art will appreciate other ways and/or methods to implement the present invention.
  • the software components or functions described in this application may be implemented as software code to be executed by one or more processors using any suitable computer language such as, for example, Java, C++ or Perl using, for example, conventional or object-oriented techniques.
  • the software code may be stored as a series of instructions, or commands on a computer readable medium, such as a random access memory (RAM), a read only memory (ROM), a magnetic medium such as a hard-drive or a floppy disk, or an optical medium such as a CD-ROM. Any such computer readable medium may also reside on or within a single computational apparatus, and may be present on or within different computational apparatuses within a system or network.

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Abstract

Les modes de réalisation de l'invention portent sur un dispositif de transaction de client portable qui comprend une carte de paiement de transaction de client portable ayant une alimentation électrique, une mémoire pour stocker des informations et des instructions, les informations comprenant un identifiant pour un compte fourni à un titulaire de carte pour l'utilisation de la carte de paiement de transaction de client portable pour mener une transaction sur le compte avec un vendeur, une bande magnétique active codant le compte, un dispositif d'entrée pour mettre les informations dans la mémoire et un dispositif informatique pour exécuter des instructions pour contrôler l'accès par le titulaire de carte qui utilise la carte de paiement de transaction de client portable pour mener la transaction sur le compte au niveau d'un terminal de point de service avec le vendeur. La carte peut afficher un solde de compte courant associé qui peut être écrit dans la mémoire après qu'une transaction a été effectuée.
PCT/US2009/045761 2008-06-04 2009-05-30 Dispositif de transaction de client portable à contrôle d'accès alimenté sur carte WO2009148980A2 (fr)

Priority Applications (4)

Application Number Priority Date Filing Date Title
AU2009256413A AU2009256413A1 (en) 2008-06-04 2009-05-30 Portable consumer transaction device with on-board powered access control
EP09759141A EP2304677A4 (fr) 2008-06-04 2009-05-30 Dispositif de transaction de client portable à contrôle d'accès alimenté sur carte
CA2726787A CA2726787A1 (fr) 2008-06-04 2009-05-30 Dispositif de transaction de client portable a controle d'acces alimente sur carte
BRPI0913101A BRPI0913101A2 (pt) 2008-06-04 2009-05-30 cartão portátil de pagamento de transação de consumidor, e, dispositivo portátil de pagamento de consumidor

Applications Claiming Priority (10)

Application Number Priority Date Filing Date Title
US5884108P 2008-06-04 2008-06-04
US5882908P 2008-06-04 2008-06-04
US5883608P 2008-06-04 2008-06-04
US5884008P 2008-06-04 2008-06-04
US61/058,836 2008-06-04
US61/058,829 2008-06-04
US61/058,841 2008-06-04
US61/058,840 2008-06-04
US13252808P 2008-06-19 2008-06-19
US61/132,528 2008-06-19

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US8256667B2 (en) 2010-01-19 2012-09-04 Poznansky Amir Transaction card with improved security features
GB2476987B (en) * 2010-01-19 2013-11-27 Haim Cohen Transaction card with improved security features
GB2476987A (en) * 2010-01-19 2011-07-20 Haim Cohen A transaction card with magnetic stripe emulation
WO2012035019A1 (fr) 2010-09-16 2012-03-22 Basf Se Procédé de production d'acide acrylique à partir d'éthanol et de formaldéhyde
US9489669B2 (en) 2010-12-27 2016-11-08 The Western Union Company Secure contactless payment systems and methods
US10552815B2 (en) 2010-12-27 2020-02-04 The Western Union Company Secure contactless payment systems and methods
WO2012143039A1 (fr) * 2011-04-18 2012-10-26 C-Sigma S.R.L. Dispositif d'authentification à touches d'entrée photosensibles
US10020847B2 (en) 2011-11-15 2018-07-10 Famoco NFC device and connection system of NFC devices
WO2013072435A1 (fr) * 2011-11-15 2013-05-23 Famoco Dispositif de communication en champ proche (nfc) et systeme de connexion de dispositifs nfc
WO2014070735A1 (fr) 2012-10-31 2014-05-08 Celanese International Corporation Procédé intégré de production d'acides acryliques et d'acrylates
WO2014209633A2 (fr) 2013-06-27 2014-12-31 Celanese International Corporation Procédé intégré de production d'acides acryliques et d'acrylates
US11132682B1 (en) 2016-07-22 2021-09-28 Wells Fargo Bank, N.A. Piezoelectric biometric card security
US11887123B1 (en) 2016-07-22 2024-01-30 Wells Fargo Bank, N.A. Piezoelectric biometric card security

Also Published As

Publication number Publication date
BRPI0913101A2 (pt) 2019-09-24
EP2304677A4 (fr) 2012-02-08
AU2009256413A1 (en) 2009-12-10
EP2304677A2 (fr) 2011-04-06
WO2009148980A3 (fr) 2010-04-29
CA2726787A1 (fr) 2009-12-10

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