WO2015163836A1

WO2015163836A1 - Paybeam system for inductively transmitting digital data

Info

Publication number: WO2015163836A1
Application number: PCT/UA2014/000080
Authority: WO
Inventors: Алексей Анатольевич МАРЦЕНЮК-КУХАРУК
Original assignee: Алексей Анатольевич МАРЦЕНЮК-КУХАРУК
Priority date: 2014-04-22
Filing date: 2014-07-25
Publication date: 2015-10-29

Abstract

A system for inductively transmitting digital data contains a device for inductively transmitting digital data, a receiving device in the form of a magnetic head of a reader, a computer system, and/or communications systems, and also a device for connecting to the aforementioned systems. The device for inductively transmitting digital data contains an emitter driver and an inductor in the form of an inductive coil of an emitter, and also a signal synthesizer. The signal synthesizer contains a real-time computer microsystem or a delayed command processing microsystem, and an interfacing device, and is connected to the emitter driver. The emitter driver is connected to the inductor and is capable of switching the polarity of the power supply voltage applied to the inductive coil of the emitter. The inductive coil is capable of transmitting digital data to the receiving device over a distance of up to 30 cm while simultaneously amplifying the current in the inductor, or without such amplification. The computer system, having software installed therein, contactlessly transmits corresponding information, by means of the device for inductively transmitting digital data, to a card reader device without physically using a card with a magnetic strip when transmitting data.

Description

PAYBEAM DIGITAL DATA TRANSMISSION SYSTEM

Technical field

The invention relates to electronic systems (electronic devices) that transmit digital data, as well as to payment instruments and data transmission instruments, and is intended for transmitting digital data, for example, payment data, using a smartphone or other electronic device through an inductive digital data transmission device method in the POS terminal.

The following notation (determination) is used in the description below.

MST (English - magnetic security transaction) - safe magnetic transactions.

KMP - magnetic stripe card. Available in accordance with ISO / IEC 7810, ISOtfEC 781-1, ISO IEC 7812, ISO / IEC 7813, ISO 8583 and ISO / IEC 4909.

Payment card - a card with a magnetic strip, which is intended for use in payment systems.

Bank card issue - the activity of issuing bank cards, opening accounts, and settlement and cash services for customers in operations using bank cards issued to them.

Emulation is the process of emulation, which consists in inheriting the behavior and characteristics of the emulated object.

The head of a reader or a reader of a magnetic strip (SMP) is a magnetic head.

Transfer - a mathematical / geometric operation to move objects along a coordinate grid without changing their orientation in space.

Polarization is a criterion characterizing the dependence of the co-directionality of the axes of the inductance of the emitter and the reader of the magnetic strip (the angle between the axes when they are parallel transferred) to the maximum distance of stable reading of the signal between them.

Safe data storage - data storage that prevents unauthorized access to them.

Security tool (English - security - security) - a tool designed to meet the requirements of safe storage and data transfer. Non-contact data transmission is the transmission of information over the distance between two or more devices, through which data is transmitted, and which does not require contact directly between these devices (for example, between the inductive coil of the emitter, which transmits a signal, and the reader head, which is located in magnetic card reader drive).

Driver - a structural element or module designed to match the control signal (from any source that can give a command to the driver) and the payload, in particular, the inductive coil of the emitter.

An inductor is an inductive coil of an emitter that transmits a signal.

The f / 2f method (English - double frequency) is a digital signal modulation method described in the WHEEL 781 standard 1.

The quality factor is a parameter of the oscillatory system, which determines the width of the resonance and which characterizes how many times the reserves of the sum of the dynamic and accumulated energy in the system are greater than the energy loss for one oscillation period.

Magnetic conduit - a part or a set of parts intended for the passage of a magnetic flux with certain losses.

The middle point of consumption is the common wire (ground, zero). It is called "average" when using bipolar power supply systems.

Details - a set of digital data necessary to identify the user in the system (payment, discount, security, authorization, etc.).

A multivibrator (signal synthesizer) is a device consisting of a resistor and a driver of upper and lower order (boundary, shoulder). A multivibrator is a mechanism for sequentially switching the positive and negative (forward and reverse) current flows.

USB 2.0 (Eng. - universal serial bus) - a serial data transfer interface for medium-speed and low-speed peripherals in computer technology. Version 2.0

USBotg (universal serial bus on-the go) is a further extension of the USB 2.0 specification, designed to facilitate the connection of USB peripherals to each other without the need for a personal computer (PC).

POS-terminal (English - point of sale - point of sale) - an electronic software and hardware device for accepting payments by plastic cards, which can accept cards with a chip module, magnetic stripe and contactless cards, as well as other devices having a contactless interface.

bpi (English - bit per inch) - the recording density of digital data.

one-time-pin - a one-time unique PIN code.

LRC (eng. - longitudinal redundancy check) - longitudinal redundancy check control.

Termination is an auxiliary sign of the end of string data.

Ν-bit coding - interpretation of a sequence of bits, where N means the number of bits that are shared in the stream to interpret the elements of the data stream. As a rule, the number of bits in a sequence must be a multiple of N, otherwise the data (the remainder of the division) is discarded.

EMF is an electromotive force.

Response distance - the distance between the emitter and the receiver (detector) at which stable data transmission occurs.

H-bridge is an electronic circuit that makes it possible to apply voltage to a load in different directions.

Software (software) - a sequence of commands implemented in the form of commands of the runtime environment, designed for the functioning of computer systems, and implementing the tasks, as well as developed algorithms.

Frame (English frame) - an indivisible amount of information describing the state in which the inductive coil of the emitter should be.

Current frame (English - current frame) - the frame that is currently read by the driver. Based on the information received from the frame, the driver sets the emitter to the appropriate mode.

NFC (near field communication) is a short-range wireless high-frequency communication technology that enables the exchange of data between devices located at a distance of about 10 centimeters.

A transponder is a transceiver that sends a signal in response to a received signal.

RFID (English - radio frequency identification, radio frequency identification) - a method of automatic identification of objects in which using radio signals data stored in transponders or in RFID tags are read or written.

Payment data - information that the second track stores (track 2). According to ISOAEC 7813, this information is required to complete a transaction using a POS terminal.

Bank / store / institution - an organization authorized to issue cards containing digital information.

Computing system - smartphone, phone, tablet, personal computer, other gadgets, etc.

State of the art

Today in the technology market there are many electronic devices that transmit data, payment instruments, access control systems, identification systems, as well as cash management services, authorization methods in accounting systems, etc.

These tools include magnetic stripe cards (CLC), which include, but are not limited to, payment card data. Payment ILCs include, but are not limited to, credit, debit, gift, and discount cards. Data is "recorded" on the magnetic strip of these cards by alternating the magnetization of particles embedded in the magnetic strip.

Payment card data is read from their magnetic strip in the POS terminal when the card passes through the magnetic card reader (through the card slot). A magnetic card reader consists of a read head and a decoding circuit associated with it. When a magnetic card moves through a magnetic stripe reader (through a card slot), its magnetic stripe passes in front of the read head.

When moving relative to the read head, a magnetic strip, which is equipped with magnetic domains of variable polarity, creates a pulsating magnetic field in the gap of the read head. The read head converts this pulsating magnetic field into an equivalent electrical signal.

The decoder circuit amplifies and digitizes this electrical signal, reproducing the same data stream that was recorded (i.e. was inserted at the time of recording) on the magnetic strip of the card. Magnetic strip coding is described in the international standard ISO 781-1 and ISO 7813. With the growing popularity and capabilities of gadgets, for example, in the form of smartphones, there is a growing desire to use them as mobile wallets, as well as use them to make payments at points of sale without using multiple payment cards. The key obstacle to this decision was the lack of a data channel between mobile phones (smartphones) and the POS terminal.

In this regard, several alternatives have been proposed. These include the manual configuration of data for transfer to the POS-Teminal, 2D barcodes displayed on the phone screen and read by means of devices for reading 2D barcodes, RFID, which are attached to the phones and built into their hardware to implement short-range contactless communication (BBS), launched using the phone application.

Of these methods, 2D barcodes and BBSs are the most promising. They have a wide range of reception, but there is no possibility of their wide practical use due to the lack of appropriate readers at points of sale. And in the case of BBS, one should also point out the lack of a standardized ability to use BBS in many smartphones.

Accordingly, there is a need to improve devices and methods for transmitting payment card data, as well as other digital information from a smartphone or other electronic device, remotely to a POS terminal or other magnetic card reader.

A known emulator of a magnetic strip of a payment card (card for transactions) according to patent US 4791283 [1], [Transaction card magnetic stripe emulator (emulator of a magnetic strip of a payment card (card for transactions). Patent US 4.791.283. IPC G06K7 / 08. Application US 870.005, application 03.06.1986, publ. 12/13/1988]. Device [1] is designed to transmit data from a processor located on a card that emulates a normal (credit or debit) ILC. Data is sequentially transmitted from the processor to the magnetic field generators, which emulate pre-recorded data on the magician the normal strip of the card, which allows data to be transferred from the microprocessor to standard card readers without the need for a significant change in card readers (card readers) .The circuit is used to determine the position and speed of movement of the card through the card reader to ensure data transfer from the microprocessor to the magnetic field generators within the scan time of the card with the head of a card reader.

The disadvantages of the device [1] are as follows.

1. The device [1] is exclusively contact. The negative consequences of this are mechanical wear and the presence of contamination of the read head.

2. The device [1] is made in the form factor of the card. The negative consequence of this may be the inconvenience of use, because

the device is easy to lose, as well as mechanically damaged.

3. In the device [1] there is a need for detection of the read head. A negative consequence of this is the possibility of false (idle) responses. It also complicates the design of the device and reduces the life of the card without recharging.

4. In the device [1] information is pre-recorded on the device made in the form factor of the card, ie recorded data may be unauthorized to read. This creates a threat to information security, that is, information can be read directly from the device. There is also no mechanism for deleting recorded data in the event of a card loss.

5. In the device [1] there is no implementation of the function of quickly adding new information. The negative consequences of this is a significant increase in time, the inability to expand or replace the data in it [1].

6. The one-time-pin function is not implemented in the device [1] hardware and software. The negative consequences of this may be the lack of additional protection (due to the use of the same pin code) with each use of the device.

A payment card and method according to patent application WO are also known.

2013181281 [2], [Payment card and methods. Publication of Application WO2013181281. IPC G06K 19/07 (2006.01). Publication date 12/05/2013. Priority Date: May 29, 2012]. The payment card according to [2] contains a magnetic strip emulator and a set of “buttons” - areas on the surface of the payment card. When the “button” is pressed, its authentication as an access code is carried out, and the payment function is activated by the emulator of the magnetic strip. The payment card also contains a transmitter-receiver (pairing unit) for wireless communication with a mobile device (telephone, the tablet). In this case, it is assumed that the payment function of the magnetic strip emulator is suppressed in response to the failure of wireless communication with a mobile device.

A payment card according to [2] may include NFC and RFID emulators. The processor and emulator may exhibit the head of an ILC reader. In this case, the processor controls the set of electromagnetic coils through the coil driver, depending on the position and / or speed (i.e. speed and direction) of the emulator’s magnetic strip relative to the head when the payment card passes through the magnetic card reader.

The disadvantages of the device [2] are as follows.

1. The device [2] is a purely contact. The negative effects of this are mechanical wear and dirt on the read head.

2. The device [2] is made in the form factor of the card. The negative consequence of this may be the inconvenience of its use, because the device is easy to lose, and also to damage mechanically.

3. The device [2] provides for the necessity of detecting the read head and the speed of movement of the card. A negative consequence of this is the possibility of false (idle) responses. This also complicates the design of the device, which leads to a decrease in the life without recharging.

4. In the device [2], the hardware one-time-pin function is not implemented in hardware and software. A negative consequence of this may be the lack of additional protection (due to the use of the same pin code) with each use.

Also known is a system and method for a control circuit of communication devices of a dynamic magnetic strip according to patent application WO 201 1 103160 [3], [Systems and methods for drive circuits for dynamic magnetic stripe communications devices (systems and method of a control circuit of communication devices of a dynamic magnetic strip). Publication of application WO 201 1 103160. MP G06K 19/07 (2006.01). Publication date 08/25/2011 1. Priority date: 02/16/2010]. The magnetic strip emulator of the system includes a coil and a coil driver. The driver provides for receiving a signal of various shapes. It is supposed to obtain a double signal frequency - double-frequency (f / 2f).

The disadvantages of the device [3] are as follows.

1. The device [3] is a contact card reader. The negative consequences of this are mechanical wear and dirt on the read head. 2. The device [3] is made in the form factor of the card. The negative consequence of this may be the inconvenience of use, since the device is easy to lose, damage mechanically.

3. The device [3] is programmed to detect the reading head. The negative consequence of this is the possibility of false

(idle) responses.

US 8628012 [4], [System and method for a baseband nearfield magentic stripe data transmitter (System and method of operation of a near-field magnetic field data band transmitter) was selected as the closest analogue (prototype). Patent US 8628012. IPC G06K7 / 08 (2006.01). Date of publication 01/14/2014. Priority date: 01/20/2013], which describes the system and method of operation of the near-field magnetic field data band transmitter MST, which transmit payment card data from a smartphone or other electronic device to a POS terminal for transactions.

A device based on the MST method includes a driver and an inductor. A device based on the MST method receives data from a magnetic strip that contains payment card data, processes the received data from a magnetic strip, and generates high-power magnetic pulses containing processed magnetic strip data, which can then be obtained using a magnetic card reader in the POS terminal.

The disadvantages of the closest analogue (prototype) are as follows. Firstly, data transmission using this system is possible remotely at a limited distance in the range from 1 to 2 inches, measured between the device transmitting the signal, made in the form of an inductor (a coil of a device that transmits a signal), and a detector (a device that receives a signal), made in the form of a reader head, which is located in a magnetic card reader.

This “hard” restriction on the distance between the devices for transmitting and receiving a digital signal is a consequence of the fact that for a smaller distance between these devices (that is, less than 1 inch), the inductor power is too large. This leads to magnetization of the core of the head and / or excessive amplitude of the signal, which, in turn, causes degradation of the input stage of the amplifier / detector. For a greater distance between these devices (that is, more than 2 inches), the existing design of the inductor does not facilitate an unambiguous interpretation of the signal transmitted by the inductor. The consequence of this is noise. Also, the distribution of the magnetic field in space and in the region of the best data transmission is not determined.

Secondly, the implementation of a technology (method) and a device operating on the basis of the MST method provides for the possibility of saving memory after turning off the power to store payment card data and other personal information. This characteristic of the technical solution is not secured, since the storage of information may result in its unauthorized (illegal) use by third parties.

Thirdly, when implementing MST technology, an inductor coil with a quality factor in the range from 10 μmN / Ohm to 80 μmN / Ohm is used. The consequence of the above high value of the quality factor of the inductor coil is its high reactivity, as a result of which extraneous electromagnetic oscillations are generated. This leads to a noisy signal and complicates the interpretation of data produced by the decoder, which is located in the card reader. Compensation of extraneous vibrations leads to increased (at least 15%) energy consumption.

Also, due to the high quality factor of the inductor coil, in order to maintain the necessary ratio between the useful signal and the noise signal, it is necessary to provide increased radiation power. This, in turn, leads to a magnetization reversal of the core of the reader head, as a result of which intense magnetic wear of the head occurs.

Fourth, a device based on MST technology is additionally equipped with a magnetic stripe reader (media) head for receiving magnetic stripe data from the card and for their further use. The presence of the head of the reader of the magnetic strip can contribute to unauthorized copying (use) and / or unauthorized transfer of stored data located on the magnetic strip.

Fifth, the signal of a device operating according to the MST method, due to the high transmission power of the signal, can be detected by devices, including those not intended for recording magnetic signals (for example, electret microphone). The negative consequences of this is the possibility of extraneous data reading and unauthorized receipt of information.

Sixth, in the device [4] the one-time-pin function is not implemented in hardware and software. A negative consequence of this may be the lack of additional protection (due to the use of the same pin code) with each use.

The basis of the invention is the task of creating a compact and versatile device designed for safe and reliable transmission of digital data over an increased distance compared to existing values, in accordance with current international standards for the transfer of digital data, primarily payment data or other information, as well as for making payments without the physical presence of magnetic cards, compatible with modern computing or communication systems, such as mobile telephones, smartphones, tablets, or other electronic devices, remotely to the magnetic card reader, by efficiently constructing the constituent elements of the device and arranging them, having effective connections between them, and also making the device elements of efficient materials, which will contribute to the portability of the design and improved energy and economic performance of the device, and will also provide a safe and reliable transmission of digital data and support This will entail providing the user with full control over the transactions made, and will also lead to simplicity and convenience of user service, especially when making payments using a smartphone (phone, tablet, etc.).

Disclosure of the invention.

This technical problem is solved by the fact that in the Paybeam inductive digital data transfer system, which contains the inductive digital data transfer device (13), for example, data contained on payment cards, from a smartphone or other electronic device, to the receiving device (14) , for example, in a POS terminal for transactions, a computing system (12), for example, in the form of a computer, mobile phone, smartphone, tablet or other electronic device, and / or communication systems, as well as connection apparatus with the above systems, the digital data transmission apparatus inductive method (13) comprises a driver a radiator (6) and an inductor made in the form of an inductive coil of a radiator (2), it is new that a signal synthesizer (pos. 5) is introduced into the transmission device using the inductive method (13), which contains a real-time computing microsystem or a delayed microsystem by processing the commands, and the interface device (4), while the signal synthesizer (key 5) is connected to the driver of the emitter (6), which is connected to the inductor, and is made both with and without the ability to switch the polarity of the supply voltage applied to the inductance implicit coil radiator (2), which is arranged to transmit digital data to the receiving device in the form of a magnetic head reader (1) at a distance of 30 cm in the absence of the material carrier transmitted digital data, while the current gain in the inductor, or without such reinforcement.

The real-time computing microsystem of the signal synthesizer (5) is configured to exclude balancing the computing load.

The real-time computing microsystem of the signal synthesizer (5) is configured to sequentially set the value of the current signal frame at the terminals of a two-bit digital bus with a signal reproduction frequency ranging from 0 Hz to 4 KHz.

As the driver of the emitter (6), the system contains a high-frequency switch with an average consumption point and voltage stabilization of the average consumption point relative to the upper and lower power points.

A device for interfacing (4) with computing and communication systems (12) is configured to transmit data and control commands of a digital data transmission device by the inductive method (13) and with the ability to check the status of this device (13).

A device for interfacing (4) with computing and communication systems (12) is configured to support standard data transmission methods, such as, for example, Bluetooth, UART, RS232, USB, wi-fi and others.

The interface device (4) is made in the form of buttons or mode switches.

The flat core (18) of the inductive coil of the emitter (2) is made of magnetically neutral or magnetically conductive material.

The flat core (18) of the inductor (2) is oblong in shape rectangular section.

The flat core (18) of the inductive coil of the emitter (2) is made of an elongated rectangular shape with rounded edges or with a cross section in the form of broken faces.

The winding of the inductive coil of the emitter (2) is made of conductive materials with isolation of each coil from neighboring turns.

An inductive method for transmitting digital data (13) is capable of emulating one track number 1 (track 1).

The inductive method of transmitting digital data (13) is capable of emulating one track number 2 (track 2) containing the necessary payment data when performing payment transactions.

An inductive method for transmitting digital data (13) is capable of emulating one track number 3 (track 3).

An inductive method for transmitting digital data (13) is made in the form of an overlay for an electronic device.

An inductive method for transmitting digital data (13) is made in the form of a protective cover for an electronic device.

The inductive method of transmitting digital data (13) is made in the form of a keychain.

An inductive method for transmitting digital data (13) is made in the form of a bracelet.

The inductive coil of the emitter (2) is made with a quality factor ranging from 0.0001 to 1200 μ 1200 / Ohm.

The inductive coil of the emitter (2) is made with disordered stacking of turns.

The inductive coil of the emitter (2) is made with ordered stacking of turns.

The computing system (12), for example, in the form of a mobile device, is equipped with software (17), implemented on the basis of the algorithm for the safe storage of details (16).

The software (17) is implemented based on the authorization and identification algorithm. The computing system (12) and the receiving system of the bank (15) are software and hardware configured to simultaneously implement the one-time-pin service while implementing the cryptofunction algorithm.

An inductive method for transmitting digital data (13) is configured to generate a signal when polarity is switched.

The driver of the emitter (6) is made according to the H-bridge circuit.

Elements of the one-time-pin service are located in the computer system (12) and the receiving system (15) of the bank.

The listed features of the device constitute the essence of the technical solution. The presence of a causal relationship between the set of essential features of a technical solution and the achieved, technical result is as follows.

The current level of technology allows electronic transactions in various ways, implemented on the basis of various basic devices. However, in most cases, the method of making transactions depends on the chosen method or type of transaction (for example, transactions using a payment card, payment for parking in a parking lot of a prepaid account, etc.).

The most commonly used means is a payment card (magnetic or microprocessor). The most popular payment card systems at this stage of economic development include Visa, MasterCard and American Express.

A specific bank account is allocated for a payment card. Accordingly, the funds available on this payment card can only be in one place. The existence of a large number of accounts in financial institutions leads to the need to use other cards, which is often inconvenient and dangerous for user cards.

The proposed technical solution provides the ability to use several different accounts by storing and using virtual account details, as well as the use of other digital information that can be stored on magnetic stripe cards and transmitted to card readers. Thus, funds can be accessed simultaneously from several customer accounts and do not require re-equipment of existing card-based payment systems. The solution of the set technical problems can be used to transfer the payment information necessary for the implementation of payment, non-cash transactions, as well as for the transfer of other digital data.

The advantages of the proposed technical solution is the ability to universally transmit digital data, including the transfer of payment data for payments using devices equipped with magnetic card readers, and without the physical presence of such cards at the client and, therefore, without the use of cards in the magnetic card reader.

This makes it possible not to issue cards (including payment cards) or not to carry a lot of cards (including payment cards), and also contributes to the convenience of making both payment and the transmission of digital information in general.

Data transfer using the proposed technical solution is safe, since the device does not store payment information in itself, and the information is transmitted to the protected area of the software via a secure channel. This prevents unauthorized access and / or use of information. Also, the claimed system implements the one-time-pin function, which contributes to information security even in the case of unauthorized access to payment data, by using a unique pin code (each time new) with each new data transfer.

Brief Description of the Drawings

The technical solution is illustrated in FIG. 1 - FIG. 5, where:

in FIG. 1 shows a schematic diagram of the transmission and reception of signals from a coil to a read head by the inductive method, as well as a conditional distribution of power lines in the head region;

in FIG. 2 shows a diagram of an inductive method for transmitting digital data;

in FIG. 3 shows the connection and interaction of the components of the inventive system, based on the described method, with a card reader with a magnetic strip;

in FIG. 4 depicts the life cycle and related elements of the inventive system that operates on the basis of the described method (i.e., from card issuance to data transfer);

in FIG. 5 shows a design diagram of the read head, as well as the design of the inductive coil of the emitter and the orientation of the inductive coil of the emitter at the time of data transfer.

In FIG. 1 oval lines show the conditional distribution of the magnetic field lines in the region of the magnetic head (item 3).

In FIG. 3 dashed lines indicate the axis of winding of the emitter coil

(key 10) and read head coils (key 8).

In FIG. 1 - FIG. 5 the following notation is accepted: 1 - reading head (component of the reading device); 2 - inductive coil of the emitter; 3 - spatial distribution of the magnetic field lines in the region of the magnetic head; 4 - interface device; 5 - signal synthesizer; 6 - driver emitter; 7 - reader, core of the reading element; 8 - axis of the winding coil of the read head; 9 - clearance of the read head; 10 - axis of the winding of the inductive coil; 11 - arrangement of elements during signal transmission (pos. 1 1 includes pos. 2 and pos. 10, as well as pos. 1, pos. 7 and pos. 8); 12 - communication or computing system with installed software; 13 is an inductive method for transmitting digital data; 14 - a receiving device (for example, a POS terminal); 15 - business entity (bank / store / institution); 16 - details; 17 - software installed on a computing system (12); 18 - core of the inductive coil of the emitter; 19 is a structural inductance of the magnetic head reader.

The best embodiment of the invention

The inductive method for transmitting digital data is based on the inductive method for transmitting digital data (key 13). The device (13), in turn, consists of an inductive coil of the emitter (pos. 2), a driver of the emitter (pos. 6), a signal synthesizer (pos. 5), a device for interfacing (pos. 4) with computing devices (computer, mobile phone , smartphone, tablet, etc.) and / or communication systems (item 12).

The inductive coil of the emitter (emitter) (pos. 2) has the following features. The flat core of the radiator inductive coil (pos. 18 in Fig. 5) is made of magnetically neutral or magnetically conductive material and acts as a conductor fixation frame. The core has an oblong rectangular shape. The shape of the core with rounded or cut in cross section faces is allowed. The coil of the inductive coil of the emitter (pos. 2) is made of conductive materials with isolation of each coil from adjacent turns. Also, for example, the air gap can act as an insulator with a significant potential difference, which is less than 2 kV / mm (with a relative humidity of less than 50%).

In the process of operation of the inductive coil of the emitter (pos. 2), the magnetic field gradient is aligned with the length (winding axis) of the emitter (pos. 3 in Fig. 1). Since the magnetic head (item 1) registers the magnitude of the change in the magnetic field (i.e., the first derivative), for a larger peak amplitude (burst of signal) it is necessary that the front of the polarity of the emitted signal tend to instantaneous.

In this regard, the emitter driver (pos. 6) has the following features. To form expressive bursts and to stretch the front of the emitted signal during the operation of the device (pos. 13), the method of changing the polarity of the current through the emitter (pos. 2) using the H-bridge is used. This leads to the actual doubling of the input voltage of the driver (pos. 6) at the contacts of the emitter, thereby increasing the range of stable operation of the claimed technical means of transmitting digital data by the inductive method.

It is also allowed to use a high-frequency switch (pos. 6 in Fig. 2) as a driver with a consumer midpoint and voltage stabilization of the midpoint relative to the upper and lower power points. This is accomplished using a microcomputer control tool (key 5).

The signal synthesizer (item 5) has the following features. It contains a real-time computing microsystem (a micro-computer using an operating system and eliminating the balancing of the computational load) (item 5), which sequentially sets the value of the current signal frame at the terminals of a two-bit digital bus (between items 5-6 in Fig. 2 ) The signal playback frequency is from 0 Hz to 4 KHz.

It is possible to use a single-bit bus (in Fig. 1 - Fig. 5 is not shown) using logical negation to control the H-bridge (which is one of the options for matching the synthesizer and driver to simulate an auxiliary discharge). At the same time, due to the potential difference, data transfer is implemented accordingly. Reception of data and commands, preparation, radiation and device control (pos. 13) is carried out by a computing system (pos. 12).

The device for interfacing (pos. 4) with computer or communication systems (pos. 12) has the following features. It is configured to transmit data and commands of the digital data transmission device by the inductive method (pos. 13) and to interrogate (check) the status of the digital data transmission device by the inductive method (pos. 13). A message can be implemented using standard data transfer methods, such as Bluetooth, UART, RS232, USB, etc.

In the case when the payment data is not expandable, i.e. a priori installed by the manufacturer and are not intended to be added or changed during operation, or the inductive method of transmitting digital data (key 13) must be operated without the help of external control devices, the interface device (key 4) can be made in the form of buttons or mode switches .

Using the digital data transmission device by the inductive method (pos. 13), stable reading of information by reading card emulation (CMC) is implemented (according to the standards ISO / IEC 7810, KOLES 7811, ISO / IEC 7812, KOLES 7813, ISO 8583 and KOLES 4909), using card readers (for example, POS-terminals) (pos. 14), security cards, discount cards, promotions, discount cards and other cards.

In this case, the maximum operational distance between the inductive coil of the emitter (pos. 2) and the magnetic head of the reader (pos. 1) reaches up to 30 cm (i.e., about 12 inches), and not 1-2 inches, as in the device of the closest analogue (prototype) [4].

Due to the use of ILCs in payment systems, the inductive method of transmitting digital data (item 13) is used to transmit digital information, including payment information, necessary for carrying out non-cash payment transactions.

The interface device (pos. 4), when connected to a computing or communication system (pos. 12), is identified as a serial port (RS232, UART standard), with which the commands and data are transferred to the digital data transmission device by the inductive method (pos. 13). The user in the application interface (running on a computing system, for example, a smartphone, phone, tablet, etc. (not shown in Fig. 1 - Fig. 5), selects what information (which is downloaded and which must be transmitted) he will use. After that, the computing system (pos. 12 in Fig. 3) transmits data to the computing microsystem (pos. 5).

The interface device (pos. 4) transfers the received data to the signal synthesizer (pos. 5), after which the data is checked for integrity and prepared (converted into a sequence of frames) for emission by the inductive coil of the emitter (pos. 2) into a magnetic card reader ( Pos. 14).

After preparing the data, the signal synthesizer (pos. 5) sends a signal to the driver of the emitter (pos. 6), which allows the use of electric power from the power source. Signal Synthesizer (item 5) successively lists and transmits the available memory in frames, which have been converted on the basis of data transmitted in the signal synthesizer (item 5) from the computing system (item 12) with a fixed time delay set by the method of coding C21 ^" .

After the data transfer is completed, the signal synthesizer (pos. 5) transmits the inhibitory signal to the emitter driver (pos. 6), as a result of which the power supply to the emitter driver (pos. 6) and daughter devices (i.e., the inductive coil of the emitter) is stopped (pos. 2 ) and its associated modules (i.e., all child objects).

Based on the received input from the signal synthesizer (pos. 5), the emitter driver (pos. 6) generates a signal with distinct ascending and descending edges of the signal that are emitted by the connected inductive coil of the emitter (pos. 2). In fact, the signal from the device (key 13) is sent to all three readers (key 7).

The requirements for interpreting the signals of three tracks (according to ISO 7811, ISO 7813) differ (track 1/2/3):

• track number one (track 1) has a density of 210 bpi, a 7-bit alphanumeric code;

· Track number two (track 2) has a density of 75 bpi, a 5-bit digital code;

• Track number three (track 3) has a density of 210 bpi, a 5-bit digital code. In the proposed technical solution, it is possible to notify a signal of only one track once, based on the difference in density and bit coding of each track.

Each track (track 1/2/3) is terminated by the LRC checksum.

In an inductive method for transmitting digital data (key 13), only one track is emulated once containing the data to be transmitted. The other two tracks are discarded from the reading process, because they do not pass data integrity checks for по-bit coding and LRC.

So, for example, to transmit payment data in an inductive method for transmitting digital data (pos. 13), track number 2 (track 2) is emulated, which contains the necessary payment data.

The inductive coil of the emitter (pos. 2) is made of a magnetically conductive or magnetically neutral core, which acts exclusively as a frame for fixing the conductor (pos. 18 in Fig. 5) of the inductive coil of the emitter (pos. 2).

The claimed device for transmitting digital data by the inductive method (pos. 13) can be implemented as an addition to mobile phones, smartphones, tablets, etc., as well as an overlay for an electronic device, in the form of a protective case, key fob, bracelet, etc. .d.

Data transmission (including payment) using the inductive method of digital data transmission (pos. 13) is carried out at a distance between the read head of a card reader (for example, a POS terminal) (pos. 14) to the inductive coil of the emitter (pos. . 2) an average of about 5-10 cm. The real possible range of data transmission between transceiver devices is at a distance of 0 cm to 30 cm, depending on the design of the digital data reader (item 14).

At the time of data transfer, the smartphone (phone, tablet, etc.) should be kept mostly parallel to the gap of the card reader (for example, in the POS terminal) at the recommended distance of 5-10 cm. It is not recommended to move and rotate the device (pos. 13) in data transfer time. That is, the axis (pos. 10) of the emitter coil (pos. 2) should be located mainly parallel to the card acceptance slot (not shown in Fig. 1 - Fig. 5) of the card reader.

Card readers (readers) use a three-track magnetic read head (according to ISO / IEC 7810). That is, in the housing of the magnetic head of the reader (item 1 in FIG. 5) there are three independent readers (item 7 in FIG. 5) for each track, which are located at a distance significantly less than the distance between the read head (item 1) and the inductive coil of the emitter (item 2).

In the case of inductive data transfer, the distance between the reader (pos. 7) and the inductive coil of the emitter (pos. 2) is much larger than the distance between the readers (pos. 7) in the housing of the read head (pos. 1). To explain the physical process, suppose that all three sensors (key 7) are at the same point and do not affect each other. It was experimentally confirmed that the influence of three sensors on each other is so small that they can be neglected. So, the above assumption is confirmed.

The reading head (key 1) is positioned in this way. The clearance plane of the magnetic read head (pos. 9) is oriented mainly perpendicular to the direction of movement of the magnetic strip (not shown in Fig. 1 - Fig. 5). So, the axis (pos. 8) of the winding of the structural inductance (pos. 19) is mainly parallel to the feed direction (pos. 10) of the magnetic strip (not shown in Fig. 1 - Fig. 5).

Thus, during the passage of the magnetic strip (not shown in FIG. 1 - FIG. 5), a change (gradient) of magnetization occurs in the region of the head gap (pos. 9). This creates an EMF in the inductance (pos. 19) of the read head (pos. 1), which is amplified by the reader amplifier (not shown in Fig. 1 - Fig. 5) and is transmitted for further processing (decryption).

That is, a magnetic read head (item 1) registers the magnetic field gradient, and not its absolute value. So, to transmit a signal, it is necessary to quickly change the magnetic field in the region of the magnetic gap (pos. 9). This can be achieved at a considerable distance from the read head (Fig. 1), using a more powerful source of a magnetic signal than a magnetic tape, for example, an electromagnet.

The closest physical model of our transmission system (“head-emitter”) is the “transformer”. In fact, the magnetic head of the reader (pos. 1) and the inductive coil of the emitter (pos. 2) in our transmission system is a transformer with an unfavorable transmission medium of magnetic excitation (due to the significant distance between the windings of the “transformer" and the absence of a common magnet-like core (pos. 18). Inductive Coil the inductance (pos. 2) acts as the primary winding, and the magnetic head of the reader (pos. 1) acts as the secondary winding.

Since, according to the ISO 7811 standard, ILCs are encoded using the f / 2f method, which is a digital encoding method (i.e., excessive in favor of signal turnover), it is sufficient to determine the signal characteristics on the basis of which the digital signal is detected, recognized and decoded.

It was experimentally determined that a necessary and sufficient condition for decoding a digital signal is the presence of pronounced peaks with a change in polarity and a fixed interval between them, depending on the value that is encoded (unit frequency (f) for encoding a logical zero, and doubled frequency (2f) for logical unit coding).

Given the specifics of the digital signal, there is no need to transmit it completely, that is, a complete repetition of the waveform, the absence of noise and interference is optional. It is necessary to noticeably (on the winding of the magnetic head (item 1) transmit peaks of variable polarity with fixed time intervals (i.e., carry out 172G coding). This is achieved by abruptly switching (almost tending to instantaneous) the polarity of the supply voltage applied to the inductive emitter coils (pos. 2) with corresponding current amplification.

The response distance (the fact of successful transmission) of the digital signal depends on the magnetic field strength that the magnetic head (pos. 1) of the reader can register. So, the field that the emitter coil generates (pos. 3) must have significant attenuation (gradient enhancement) or field inhomogeneity so that the head (pos. 1) can detect the signal.

To increase the transmission response distance, a more intense field in the source (inductive coil of the emitter - pos. 2) is necessary. The maximum response distance is determined by the capabilities of the power source and the output requirements for weight and size characteristics.

Numerous experiments were carried out, as a result of which exactly the significant differences of the elements of the transmission system specified in the claims (utility model) of the claimed technical solution were selected. During experiments with various coils, it was determined that there is a practical possibility of transmitting digital data at a distance from the inductive emitter coils (pos. 2) to the head gap (pos. 9) of the reader up to 30 cm.

We were able to achieve this result by using an inductive coil of the emitter (pos. 2) with a curly magnetic core (magnetic core of a horseshoe-shaped configuration) (not shown in Fig. 1 - Fig. 5). This led to a local increase in the magnetic field strength. At the same time, they were able to register a qualitative increase in the magnetic field strength by indirect signs (by vibrations of the magnetically active element in the gap of the emitter) and directional field distribution.

However, when transmitting data using the indicated coil with a shaped magnetic circuit (not shown in Fig. 1 - Fig. 5) at a distance closer than 10 cm, there is a risk of damage to the read head. Also, using a coil with a curly magnetic circuit, it is necessary to use a more powerful (about 60 W) power source.

The use of the specified coil (with a curly magnetic core) increases the thickness of the device (at least 2 times compared with the claimed device) by increasing the power source, dimensions of the coil, the cooling system of the coil (stabilizing the characteristics of the radiation) and electronic strapping taking into account the characteristics (high power) .

Since one of the requirements for the digital data transmission device using the inductive method (pos. 13) was compact size and low power consumption, we used the H-bridge to double the effective voltage that controls the emitter inductive coil (pos. 2).

To suppress dynamic effects (hysteresis and tightening of the signal front, the presence of harmonics due to inharmonious oscillations) in the inductance, the emitter inductive coil (pos. 2) was made with a low Q factor and a magnetically neutral core (pos. 10). The prototype coil of the claimed device had a quality factor of less than 10 μΗ / Ohm.

To reduce the quality factor, chaotic coil winding was proposed (i.e., random stacking of turns). It was experimentally established that an increase in the length of the inductive coil of the emitter (pos. 2) leads to a deterioration (in the logarithmic dependence) of the operating range, and a thickened (more than 2 mm thick) cylindrical coil does not meet the overall requirements. As a result of this, it was decided to use a flat coil with an axis winding parallel to the plane of the inductive coil of the emitter (pos. 2)

In connection with this constructive solution, the "polarization effect" was experimentally established. It consisted in the fact that, at low radiation energies, the operating distance was greater with the predominantly parallel orientation of the winding axes of the emitter inductive coil (pos. 2) and inductance (pos. 19) in the magnetic head (pos. 1).

In turn, with the perpendicular arrangement of the axes of the reader coils (pos. 8) and the emitter (pos. 10), the smallest (even before malfunctioning in direct contact with the read head) distance range of stable data transmission between the inductive coil of the emitter (pos. 2) and reader (pos. 7).

With a significant (more than 5 W) increase in the radiation energy, the polarization effect was not observed. Given the polarization effect, the negative effect on the core (pos. 7) of the read head (pos. 1), which is not magnetized, was reduced.

It was found that the noise signal (harmonics and magnetic noise of the medium) has little effect on the transmission of digital data, since the magnetic field gradient creates a signal that is much stronger than the noise level, and which can be detected by less sensitive amplifiers and detectors.

The device is used as follows.

In a bank / institution / store (item 15) (in Fig. 4, several items are shown under number 15, as options for organizations that can assign data (issuers), for example, a bank or store, etc.) assign credentials user (pos. 16) (Fig. 4 shows several poses under number 16, as an option for details, which, for example, are assigned to payment data, data of discount or authorization systems).

According to the specified details, the magnetic card reader (in Fig. 4 shows several poses under number 14, as options for card readers, for example, a POS terminal, discount card reader, checkpoint) (pos. 14) identifies the user who can get access to the funds that are on the client’s account for payment (payment information), or, for example, use the existing discount program or authorization system. Details (pos. 16) are transmitted by a secure channel and stored in a protected area of software (pos. L 7) installed on a computer system (smartphone, phone, tablet, etc.) that supports the inductive method of digital data transmission (13 )

Computing system (smartphone, phone, tablet, etc.) with installed

The software (pos. 17) transfers the payment information to the digital data transmission device by the inductive method (pos. 13).

An inductive method for transmitting digital data (key 13) transmits digital information to a magnetic stripe card reader (key 19). On the day of digital data transmission, the magnetic stripe card reader uses the information contained in track 1, or in track2 or in track3, since only one track can be emulated at a time.

For example, to carry out a payment transaction, the POS terminal uses the information contained in track2 (according to the ISO / IEC 7813 standard). An inductive method for transmitting digital data (pos. 13) transmits information in the form of magnetic field oscillations, creating a signal in the read head (pos. 1), similar to a magnetic strip signal (not shown in Fig. 1) of a payment card

(figure 1 - figure 5 is not shown).

That is, in addition to payment information, any digital information can be transmitted through the inductive method of transmitting digital data (key 13), which operates on the basis of the corresponding method of transmitting digital data by the inductive method,.

Thus, in order to transmit digital data using the inductive method of transmitting digital data (13), which operates on the basis of the corresponding method, including for performing payment operations with POS terminals, magnetic stripe cards are not used. In this case, digital (including payment) information is transmitted through the digital data transmission device exclusively by the inductive method (pos. 13) from a computer system with installed software (pos. 17).

Several different data (details) can be written to a computer system with installed software (pos. 17): for example, data from several accounts, various payment organizations, including banks. Before transmitting data, the user of the claimed device (not shown in FIGS. 1-5) must select the data (details) (for example, account) to be transferred (for example, payment will be made).

A computer system with installed software (pos. 17) contains an authorization and identification system that ensures the safety of storage and transmission of digital information. In this case, the device for transmitting digital data by the inductive method (pos. 13) does not store digital information, but serves only as a means of transmitting it. This makes it impossible to use digital (primarily payment) information by any other user except an authorized user.

Also, the claimed system implements the one-time-pin function, which contributes to information security even in the case of unauthorized access to payment data.

The client contacts the organization authorized to issue the card to obtain information on the client’s account, which contains digital information and allows data transfer, for example, to carry out payment transactions when interacting with card readers, for example, POS-terminals.

The same information, including about the client’s account, about all payment details and other characteristics of the account that the issuing organization writes to cards with a magnetic strip, is transmitted through a secure channel to a secure area of the software to a computer system (item 12) that interacts with Inductive digital data device (key 13).

A computing system with installed software (pos. 17) transmits through the digital data transmission device inductively (pos. 13) the corresponding (including payment) information without contact on a card reader (for example, a POS terminal) without physically using a card with magnetic stripe when transmitting data (for example, in calculations).

Industrial applicability

The advantages of the proposed technical solutions are:

· Lack of mechanical and magnetic wear of the head of the reader;

• low power consumption (savings of 15% or more) compared with non-contact counterparts and prototype;

• the ability to work from USBotg; • provision of normalized (optimized, devoid of redundancy) radiation power, which complicates extraneous data reading (ie, helps to strengthen transaction security);

• ensuring minimization (that is, reduction to the minimum necessary level) of energy consumption and mass-dimensional characteristics due to standardization of radiation power;

• synthesis of exclusively necessary signal characteristics by means of a computing microsystem;

• the implementation of module consumption management in various operating modes of the device saves energy and leads to an increase in the operating life without recharging.

Another advantage of the inductive method of transmitting digital data (pos. 13) is that it does not store digital (including payment) information, which is why it is a security tool. The inductive method for transmitting digital data (key 13) also does not contain a magnetic card reader, which prevents the unauthorized distribution of protected information.

The inductive method of transmitting digital data (pos. 13) as part of the system of the same name is portable, compact, and energy efficient compared to existing contactless analogs and prototypes. This allows it to be used as part of the USB2.0 and USBotg power consumption standard.

According to these standards, the power that is provided to the consumer is up to 2.5 W (5V, 0.5 A).

The system of inductive transmission of digital (payment) data allows you to dynamically generate data by available computing / communication tools for identification in (payment) systems such as POS-terminal.

Thus, the implementation of the claimed invention, which meets the requirements and requirements of the modern market, provides the ability to service all types of transactions and various types of payment accounts.

Claims

Claim

1. A system for transmitting digital data by the inductive method Paybeam, which contains a device for transmitting digital data by the inductive method (13), for example, data contained on payment cards, from a smartphone or other electronic device, to the receiving device (14), for example, in POS- a terminal for transactions, a computing system (12), for example, in the form of a computer, mobile phone, smartphone, tablet or other electronic device, and / or communication systems, as well as a device for connecting to the above systems ami, wherein the digital data transmission device by the inductive method (13) contains a driver of the emitter (6) and an inductor made in the form of an inductive coil of the emitter (2), characterized in that a signal synthesizer (pos. .5), which contains a real-time computing microsystem or a delayed instruction processing microsystem, and a coupler (4), wherein the signal synthesizer (pos. 5) is connected to the driver of the emitter (6), which is connected to the inductor, and is made both with and without the ability to switch the polarity of the supply voltage applied to the inductive coil of the emitter (2), which is configured to transmit digital data to the receiving device in in the form of a magnetic head of the reader (1) up to a distance of 30 cm in the absence of a material carrier of transmitted digital data, with or without amplification of the current in the inductor.

2. The system according to claim 1, characterized in that the real-time computing microsystem of the signal synthesizer (5) is configured to eliminate the balancing of the computing load.

3. The system according to claim 2, characterized in that the real-time computing microsystem of the signal synthesizer (5) is configured to sequentially set the value of the current signal frame at the terminals of a two-bit digital bus with a signal reproduction frequency from 0 Hz to 4 KHz.

4. The system according to claim 1, characterized in that, as the driver of the emitter (6), the system comprises a high-frequency switch with an average consumption point and voltage stabilization of the average consumption point relative to the upper and lower power points.

5. The system according to claim 1, characterized in that the interface device (4) with the computing and communication systems (12) is configured to transmit data and control commands of the digital data transmission device by the inductive method (13) and with the ability to check the status of this device (13).

6. The system according to claim 5, characterized in that the interface device (4) with computing and communication systems (12) is configured to support standard data transmission methods, such as, for example, Bluetooth, U ART, RS232, USB, wi-fi and others.

7. The system according to claim 5, characterized in that the interface device (4) is made in the form of buttons or mode switches.

8. The system according to claim 1, characterized in that the flat core (18) of the inductive coil of the emitter (2) is made of magnetically neutral or magnetically conductive material.

9. The system of claim 8, characterized in that the flat core (18) of the inductor (2) is made of oblong rectangular shape.

10. The system of claim 8, characterized in that the flat core (18) of the emitter inductive coil (2) is made of oblong rectangular shape with rounded edges or with a cross-section in the form of broken faces.

1 1. The system according to p. 1, characterized in that the winding of the inductive coil of the emitter (2) is made of conductive materials with isolation of each coil from adjacent turns.

12. The system according to claim 1, characterized in that the inductive method of transmitting digital data (13) is configured to emulate one track number 1 (track 1).

13. The system according to claim 1, characterized in that the inductive method of transmitting digital data (13) is capable of emulating one track number 2 (track 2) containing the necessary payment data when performing payment transactions.

14. The system according to claim 1, characterized in that the inductive method of transmitting digital data (13) is configured to emulate one track number 3 (track 3).

15. The system according to claim 1, characterized in that, the inductive method of transmitting digital data (13) is made in the form of an overlay to an electronic device.

16. The system according to claim 1, characterized in that, the inductive method of transmitting digital data (13) is made in the form of a protective cover to the electronic device.

17. The system according to claim 1, characterized in that the inductive method of transmitting digital data (13) is made in the form of a key fob.

18. The system according to claim 1, characterized in that the inductive method of transmitting digital data (13) is made in the form of a bracelet.

19. The system according to claim 1, characterized in that the inductive coil of the emitter (2) is made with a quality factor of 0.0001 to 1200 μΗ / Ohm.

20. The system according to claim 19, characterized in that the inductive coil of the emitter (2) is made with disordered stacking of turns.

21. The system according to claim 19, characterized in that, the inductive coil of the emitter

(2) made with ordered stacking of turns.

22. The system according to claim 1, characterized in that the computing system (12), for example, in the form of a mobile device, is equipped with software (17) implemented on the basis of the algorithm for the safe storage of details (16).

23. The system according to claim 1, characterized in that the software (17) is implemented on the basis of the authorization and identification algorithm.

24. The system according to claim 1, characterized in that the computing system (12) and the receiving system of the bank (15) are software and hardware configured to simultaneously implement the one-time-pin service when implementing the cryptofunction algorithm.

25. The system according to claim 1, characterized in that the inductive method of transmitting digital data (13) is configured to generate a signal when the polarity is switched.

26. The system according to claim 1, characterized in that the driver of the emitter (6) is made according to the H-bridge circuit.

27. The system according to claim 1, characterized in that the one-time-pin service elements are located in the computing system (12) and the receiving system (15) of the bank.