WO2010143162A1 - Appareil portable électronique pour une utilisation avec carte électronique à objectifs programmables multiples, carte électronique à objectifs programmables multiples ainsi que système et procédé pour utiliser des services au moyen de ladite carte - Google Patents

Appareil portable électronique pour une utilisation avec carte électronique à objectifs programmables multiples, carte électronique à objectifs programmables multiples ainsi que système et procédé pour utiliser des services au moyen de ladite carte Download PDF

Info

Publication number
WO2010143162A1
WO2010143162A1 PCT/IB2010/052615 IB2010052615W WO2010143162A1 WO 2010143162 A1 WO2010143162 A1 WO 2010143162A1 IB 2010052615 W IB2010052615 W IB 2010052615W WO 2010143162 A1 WO2010143162 A1 WO 2010143162A1
Authority
WO
WIPO (PCT)
Prior art keywords
card
data
applications
electronic
service
Prior art date
Application number
PCT/IB2010/052615
Other languages
English (en)
Inventor
Franklin Wahl
Original Assignee
West Calder Ltd.
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 West Calder Ltd. filed Critical West Calder Ltd.
Publication of WO2010143162A1 publication Critical patent/WO2010143162A1/fr

Links

Classifications

    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • 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

Definitions

  • An electronic portable apparatus for use with a programmable multi-purpose electronic card, a programmable multi-purpose electronic card, as well as a system and method for using services by means of said card
  • the present invention relates to the use of services delivered to a user showing an electronic card having stored therein a set of data or applications functional to a desired service.
  • the invention relates to an electronic portable apparatus, such as for example a communication, information or entertainment apparatus, and a programmable multi-purpose electronic card, adapted to be associated to an electronic portable apparatus for using services.
  • US 2009/0065571 describes a system and a process for executing financial transactions through a wireless connection, wherein an intelligent card is paired with a host mobile device whereby a user can authorise the transactions and display the relevant information.
  • the pairing between card and host device can provide for the transfer of some data between the two components, for example the update of the host device signature or of the transaction data on a local memory of the card, or the installation or execution of an application on the host device for customising such device in the use of the card, but without ever providing for the complete transfer of data and operating applications from the card to the host device and the programming of a different card, temporarily without configuration, for a similar financial transaction service.
  • US 2002/0177407 describes a portable phone provided with a microprocessor card for using various types of electronic commerce services.
  • the card configured for using electronic commerce services, is arranged for receiving partial data identifying goods or services object of an electronic commerce operation (for example, the identification data of an electronic ticket that may be purchased online, or the data indicating free points to access free goods or discounts in commercial services) through the portable phone, which constitutes a means for connecting the card to a remote service supplier through a radio communication network.
  • EP 0 872 816 describes a portable device for processing the information stored on a microprocessor card used as portable electronic money support.
  • the device is arranged for reading and writing a part of the information on the card, for example the change of passwords or personal information on the card user. However, it is not possible to change the card use purpose.
  • the present invention aims at providing a solution that could meet the need of an easier use of a plurality of services through an electronic card, preventing the drawbacks of the prior art. According to the present invention, such object is achieved thanks to an electronic portable apparatus having the features described in claim 1.
  • a programmable multi-purpose electronic card as well as a system and a method for using services delivered to a user showing a programmable multi-purpose electronic card, as claimed.
  • the present invention is based on the principle of having a single universal, programmable, multi-purpose electronic card intended for using a plurality of services, in other words having a plurality of functional destinations, and assigning to memory means integrated in a single electronic portable apparatus, such as a communication, information or entertainment apparatus, the task of storing the information relating to the different functional (service) destinations, which would instead be stored into respective electronic cards, and of transferring such information, unchanged, upon a temporary programming of the card to make such card operational according to a predetermined corresponding service destination, for the occasional use thereof only.
  • the electronic portable apparatus adapted to program the universal electronic card is a portable telephone apparatus, a device that for its functionality and versatility, everybody tends not to forget and always have along.
  • Figures Ia, Ib and Ic are views of a portable telephone apparatus and associated electronic programmable card according to the invention.
  • Figure 2 is a block diagram of a system for using services according to the invention.
  • FIG. 1 An electronic portable apparatus, in the example a portable telephone apparatus P, configured according to the invention, is shown in Figures Ia-Ic, in association with an electronic programmable card C.
  • the apparatus has a case 10 of traditional parallelepiped shape, provided on at least one main face with interface means with a user, for example an authorised user of the apparatus, or a subject authorised by a supplier of a predetermined service, for example a service for the use whereof the supplier has issued an original electronic card in favour of such subject.
  • the interface means include a plurality of control buttons 20 or touch screen areas 30, for the input of data or controls, as well as graphical display means 40 for displaying available application tools or data, conveniently identified by a corresponding icon, to the user.
  • the electronic programmable card C is provided with at least one non-volatile and rewritable storage medium 50 for the temporary electromagnetic storage of information.
  • Such information comprise a complete set of data and/or applications adapted to identify a temporary programming configuration of the card, adapted to have said card operate according to a respective predetermined service destination.
  • the above sets of data and/or applications are for example adapted to identify a programming configuration having a functional destination selected from the group comprising the functional destinations of an electronic payment card, an electronic authorisation card, an electronic personal identification card, an electronic association card, an electronic card for using commercial services.
  • the storage medium 50 for example, but not exclusively, is an electronic chip embedded on the card, a magnetic band incorporated in the card, an optical track engraved onto the card, or a combination thereof, and is accessible in reading and writing by contact or via radio in proximity.
  • Apparatus P is further provided with means for the temporary housing of an electronic programmable card C, adapted to move the card in contact with read/write means of the storage medium 50.
  • they include a seat for housing the card at least partly defined within case 10 of the telephone apparatus and accessible through a slit 60 obtained on a face of the case.
  • the seat is associated to means for automatically or manually ejecting card 70, adapted to allow the card withdrawal by a user, for example for a use thereof.
  • the apparatus houses the programmable multi-purpose electronic card C, for example for the configuration thereof or simply for the storage thereof when not in use.
  • Figure Ib shows condition of partial removal of the card which may be obtained by actuating the ejection means, after which a user can take the card by the exposed edge and withdraw it fully, for its use in view of accessing to a specific service for which it has been programmed (arranged).
  • Figure Ic shows the card in extracted condition, for example after the use and in view of a reintroduction into the apparatus for reprogramming according to a different functional destination.
  • Figure 2 shows a simplified block diagram of a system for using services according to the invention.
  • the portable telephone apparatus P (or other equivalent electronic portable apparatus) comprises a processing and control unit CPU whereto one or more integrated memory modules M are associated, adapted to store, without possibility of changes by a user, a plurality of complete sets of data and/or applications D J -D N , each set being adapted for identifying a distinct programming configuration of a rewritable electronic card, adapted to have said card operate according to a predetermined functional or service destination.
  • the interface means of apparatus P as a whole constitute means SEL for selecting a complete set of data or applications identifying a desired programming configuration of an electronic card C temporarily associated with the apparatus, which are also coupled in communication with the processing unit CPU.
  • they are adapted to represent a selection menu comprising the set of functional destinations assignable to the card and receive the selection of a specific functional destination of the card from a user of the apparatus, whereto a respective set of data and/or applications corresponds.
  • the processing and control unit CPU is operatively connected to read/write means R/W which may be coupled to a storage medium of card C which can be associated with the apparatus for transferring a complete selected set of data and/or applications, stored into a memory module M, to card C, blank or temporarily devoid of data and/or programming procedures, so as to program said card for a predetermined service destination identified by said set of data or procedures, or for acquiring a complete current set of data and/or applications resident (stored) on said card C and the consequent storage of a complete updated set of data or applications in a corresponding memory module M, relating to the current service destination of the card, in view of a subsequent service programming of the same or another card.
  • read/write means R/W which may be coupled to a storage medium of card C which can be associated with the apparatus for transferring a complete selected set of data and/or applications, stored into a memory module M, to card C, blank or temporarily devoid of data and/or programming procedures, so as to program said card for a predetermined service destination
  • Encryption algorithms adapted to encrypt or decrypt a set of data or applications according to one of a plurality of predetermined protocols depending upon the programmed service destination of the card may advantageously be executed by the processing and control unit CPU.
  • the read/write means RAV include, for example but not exclusively, contact terminals with a micro-circuit embedded on the card, a magnetic head adapted to interact with a magnetic band incorporated in the card, optical devices adapted to interact with at least one optical track engraved onto the card, or means for transmitting and receiving radio signals adapted to remotely exchange data with the storage medium of a proximity card.
  • apparatus P is arranged for automatically recognizing the coupling of a card C therewith, thus the control and processing unit CPU is adapted to acquire from the storage medium 50 of card C associated with apparatus P the complete current set of data and/or applications resident on the card C, and store said set in a memory area of the integrated memory modules M, corresponding to the programming related to the current service destination of the card.
  • control and processing unit CPU is adapted to assign a new memory area in the integrated memory modules M, for storing a complete set of data and/or applications for identifying a new programming configuration of electronic card C, for example previously acquired from the storage medium of a different, original card having a unique and unchangeable functional destination, or transmitted by wire or radio by the supplier of the original card or by the provider of the respective service in favour of an authorised subject.
  • control and processing unit CPU is conveniently adapted for automatically deleting the complete set of data and procedures stored on the storage medium of the card subsequent to the transfer thereof to the integrated memory M of apparatus P.
  • the processing and control unit CPU may be arranged for deleting the sets of data stored in the memory means M of apparatus P subsequent to a remote command, such as a command for disabling the use of the telephone apparatus, or automatically, subsequent to the occurrence of predetermined use conditions, for example the repeated input of an incorrect apparatus unlock code. This is to prevent the stealing of the telephone apparatus from allowing ill- intentioned people to come to know personal information for carrying out frauds to the detriment of the owner of the multi-purpose electronic card.
  • the integrated memory means M of apparatus P are accessible in reading from the outside, for transferring the sets of data and/or applications to another electronic device, for example in case of replacement of the telephone apparatus, or saving a backup copy of such sets on a mass storage medium.
  • control and processing unit is arranged for keeping track of the operations performed with card C in at least one predetermined service configuration, for example for performing accounting (billing) operations related to the services accessed by means of the card.
  • the user selects, from the integrated memory modules M of the telephone apparatus P (or similar electronic portable device), a complete set of data and/or applications identifying a desired programming configuration of the electronic card C, that is, for assigning a predetermined functional destination to card C adapted for making said card operational for the selected service.
  • the electronic programmable card C is temporarily associated to apparatus P, for allowing the transfer, from the memory means M of the apparatus to the storage medium 50 of the card, of the selected set of data and/or applications, so as to program the above card for the predetermined service destination identified by said collection of data or applications.
  • the selection and transfer of the selected complete set of data and/or applications takes place preserving the contents inaccessibility, that is, the user has no possibility of changing even partially such data and/or applications, but he may only require the transfer of the complete set to the card.
  • the programmed card C is subject to reading/writing by a card access device CA associated with the desired service provider, adapted for verifying the credentials of the card owner and authorising or denying access to the service.
  • a card access device CA associated with the desired service provider, adapted for verifying the credentials of the card owner and authorising or denying access to the service.
  • This step is shown by way of graphics in Figure 2 by scenes A and B, where card C thus programmed is used to access a place subject to restrictions (scene A) through a surveilled passage 100 or for executing a financial transaction at an automatic teller machine (ATM) 200 (scene B).
  • ATM automatic teller machine
  • the user has the faculty of modifying at least partially the data and/or applications resident on the card, for example modifying a password, in accordance with the possibilities offered by the service provider, which are not the subject of the present description.
  • the current complete set of data and/or applications stored on the card is transferred to the integrated memory means M of apparatus P, again without the possibility of changing by a user, so as to store an updated set of data and/or applications thereon, for a correct use of the card with the same service destination at a later time.

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Calculators And Similar Devices (AREA)
  • Telephonic Communication Services (AREA)
  • Storage Device Security (AREA)

Abstract

L'invention porte sur un appareil portable électronique (P), tel qu'un appareil de communication, d'information ou de divertissement, utilisable dans un système ou un procédé d'utilisation de services délivrés par une pluralité de fournisseurs à un utilisateur présentant une carte électronique ayant mémorisé un ensemble de données et/ou d'applications fonctionnelles se rapportant au service désiré. L'appareil comprend un moyen de mémoire intégrée (M), apte à mémoriser une pluralité d'ensembles complets de données et/ou d'applications (DI-DN), chacun apte à identifier une configuration de programmation pour une carte électronique (C), adapté à ce que ladite carte fonctionne selon une destination de service respective. L'appareil (P) est agencé de façon à transférer un ensemble complet sélectionné de données et/ou applications (DI ; … ; DN) sur le support de mémorisation non volatil (50) d'une carte électronique universelle programmable à objectifs multiples (C), pouvant être associé à ceux-ci, de façon à programmer ladite carte (C) pour une destination de service prédéterminée. La carte (C) est unique et destinée à utiliser une pluralité de services, selon la configuration temporaire de programmation choisie.
PCT/IB2010/052615 2009-06-11 2010-06-11 Appareil portable électronique pour une utilisation avec carte électronique à objectifs programmables multiples, carte électronique à objectifs programmables multiples ainsi que système et procédé pour utiliser des services au moyen de ladite carte WO2010143162A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
IT000446A ITTO20090446A1 (it) 2009-06-11 2009-06-11 Apparecchio elettronico portatile predisposto per l'utilizzo con una carta elettronica multi-uso programmabile, carta elettronica multi-uso programmabile, nonche' sistema e procedimento per la fruizione di servizi tramite detta carta
ITTO2009A000446 2009-06-11

Publications (1)

Publication Number Publication Date
WO2010143162A1 true WO2010143162A1 (fr) 2010-12-16

Family

ID=41818357

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IB2010/052615 WO2010143162A1 (fr) 2009-06-11 2010-06-11 Appareil portable électronique pour une utilisation avec carte électronique à objectifs programmables multiples, carte électronique à objectifs programmables multiples ainsi que système et procédé pour utiliser des services au moyen de ladite carte

Country Status (2)

Country Link
IT (1) ITTO20090446A1 (fr)
WO (1) WO2010143162A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR3075439A1 (fr) * 2017-12-19 2019-06-21 Electricite De France Agregateur de dispositifs d'identification

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0872816A2 (fr) 1997-04-18 1998-10-21 Fujitsu Limited Dispositif pour le traitement de cartes
US20020177407A1 (en) 2001-05-23 2002-11-28 Fujitsu Limited Portable telephone set and IC card
EP1583051A1 (fr) * 2004-03-31 2005-10-05 Fujitsu Limited Terminal de traitement d'information et son procédé de sécurisation et de protection d'information
US20090065571A1 (en) 2007-09-12 2009-03-12 Devicefidelity, Inc. Selectively switching antennas of transaction cards

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0872816A2 (fr) 1997-04-18 1998-10-21 Fujitsu Limited Dispositif pour le traitement de cartes
US20020177407A1 (en) 2001-05-23 2002-11-28 Fujitsu Limited Portable telephone set and IC card
JP2002351623A (ja) * 2001-05-23 2002-12-06 Fujitsu Ltd 携帯電話機
EP1583051A1 (fr) * 2004-03-31 2005-10-05 Fujitsu Limited Terminal de traitement d'information et son procédé de sécurisation et de protection d'information
US20090065571A1 (en) 2007-09-12 2009-03-12 Devicefidelity, Inc. Selectively switching antennas of transaction cards

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR3075439A1 (fr) * 2017-12-19 2019-06-21 Electricite De France Agregateur de dispositifs d'identification
WO2019120971A1 (fr) * 2017-12-19 2019-06-27 Electricite De France Agrégateur de dispositifs d'identification
US11526593B2 (en) 2017-12-19 2022-12-13 Electricite De France Aggregator of identification devices

Also Published As

Publication number Publication date
ITTO20090446A1 (it) 2010-12-12

Similar Documents

Publication Publication Date Title
US8011588B2 (en) Electronic wallet device and method of using electronic value
US20030150915A1 (en) IC card authorization system, method and device
US20090050689A1 (en) Electronic wallet device and method of using electronic value
CN102376134B (zh) 一种pos机、pos机刷卡系统及其刷卡交易的方法
US20070131759A1 (en) Smartcard and magnetic stripe emulator with biometric authentication
EP3528221A1 (fr) Traitement de transaction à partir d'une carte à circuit intégré et procédé d'autorisation de paiement par carte de crédit, dispositif et système
EP1267289A1 (fr) Systeme de ticket electronique
JP2009003927A (ja) 携帯電話、ｒバッジ、受信装置
JP2009053765A (ja) 電子財布装置、通信方法及びプログラム
WO2009137076A4 (fr) Système à une seule carte
KR100725146B1 (ko) 카드 인식 장치를 이용한 결제 시스템 및 방법
EP1061482B1 (fr) Méthode, système et dispositif pour transmettre, recevoir et afficher des informations
US7066385B2 (en) Information processing terminal or control method therefor
WO2005059816A1 (fr) Procede d'affichage d'information, dispositif d'information mobile, et dispositif de communication sans contact
US10339747B2 (en) Card reader
WO2010143162A1 (fr) Appareil portable électronique pour une utilisation avec carte électronique à objectifs programmables multiples, carte électronique à objectifs programmables multiples ainsi que système et procédé pour utiliser des services au moyen de ladite carte
JP5181442B2 (ja) 自動取引装置および取引システム
EP1918867A2 (fr) Achat électronique de billets
JP6534728B1 (ja) 自動取引装置、自動取引システム、自動取引方法、及び自動取引プログラム
JP2006127237A (ja) 自動販売機
JP7044733B2 (ja) カード処理装置、カード処理システム、カード処理方法、及びカード処理プログラム
CN104881623A (zh) 便携式电子卡系统及用于制造可重复写入塑料卡的方法
KR102499625B1 (ko) 지문입력부를 포함하는 멀티 카드 및 이를 이용한 결제 방법
JPWO2002005203A1 (ja) Ｉｃカード端末装置
JP7466274B2 (ja) 自動取引装置、自動取引システム、自動取引方法、及び自動取引プログラム

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 10742257

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 10742257

Country of ref document: EP

Kind code of ref document: A1

32PN Ep: public notification in the ep bulletin as address of the adressee cannot be established

Free format text: COMMUNICATION NOT DELIVERED. NOTING OF LOSS OF RIGHTS PURSUANT TO RULE 112 EPC (EPO FORM 1205A DATED 19.07.2012)