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FR2413721A1 - PORTABLE PERSONAL TERMINAL FOR FINANCIAL TRANSACTIONS - Google Patents

PORTABLE PERSONAL TERMINAL FOR FINANCIAL TRANSACTIONS

Info

Publication number
FR2413721A1
FR2413721A1 FR7834442A FR7834442A FR2413721A1 FR 2413721 A1 FR2413721 A1 FR 2413721A1 FR 7834442 A FR7834442 A FR 7834442A FR 7834442 A FR7834442 A FR 7834442A FR 2413721 A1 FR2413721 A1 FR 2413721A1
Authority
FR
France
Prior art keywords
terminal
financial transactions
transfer
portable personal
personal terminal
Prior art date
Legal status (The legal status 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 status listed.)
Granted
Application number
FR7834442A
Other languages
French (fr)
Other versions
FR2413721B1 (en
Inventor
Paul E Stukert
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
International Business Machines Corp
Original Assignee
International Business Machines Corp
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 International Business Machines Corp filed Critical International Business Machines Corp
Publication of FR2413721A1 publication Critical patent/FR2413721A1/en
Application granted granted Critical
Publication of FR2413721B1 publication Critical patent/FR2413721B1/fr
Granted legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F15/00—Digital computers in general; Data processing equipment in general
    • G06F15/02—Digital computers in general; Data processing equipment in general manually operated with input through keyboard and computation using a built-in program, e.g. pocket calculators
    • G06F15/0241—Digital computers in general; Data processing equipment in general manually operated with input through keyboard and computation using a built-in program, e.g. pocket calculators of the IC-card-like type
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07749—Constructional details, e.g. mounting of circuits in the carrier the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card
    • G06K19/07766—Constructional details, e.g. mounting of circuits in the carrier the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card comprising at least a second communication arrangement in addition to a first non-contact communication arrangement
    • G06K19/07769—Constructional details, e.g. mounting of circuits in the carrier the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card comprising at least a second communication arrangement in addition to a first non-contact communication arrangement the further communication means being a galvanic interface, e.g. hybrid or mixed smart cards having a contact and a non-contact interface
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07749—Constructional details, e.g. mounting of circuits in the carrier the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card
    • G06K19/07773—Antenna details
    • G06K19/07777—Antenna details the antenna being of the inductive type
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07749—Constructional details, e.g. mounting of circuits in the carrier the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card
    • G06K19/07773—Antenna details
    • G06K19/07788—Antenna details the antenna being of the capacitive type
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/0008—General problems related to the reading of electronic memory record carriers, independent of its reading method, e.g. power transfer
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/0013—Methods or arrangements for sensing record carriers, e.g. for reading patterns by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers
    • G06K7/0034—Methods or arrangements for sensing record carriers, e.g. for reading patterns by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers the connector being capable of simultaneously receiving a plurality of cards in the same insertion slot
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/0013—Methods or arrangements for sensing record carriers, e.g. for reading patterns by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers
    • G06K7/0056—Methods or arrangements for sensing record carriers, e.g. for reading patterns by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers housing of the card connector
    • G06K7/006—Methods or arrangements for sensing record carriers, e.g. for reading patterns by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers housing of the card connector the housing being a portable casing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/0013—Methods or arrangements for sensing record carriers, e.g. for reading patterns by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers
    • G06K7/0056—Methods or arrangements for sensing record carriers, e.g. for reading patterns by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers housing of the card connector
    • G06K7/0073—Methods or arrangements for sensing record carriers, e.g. for reading patterns by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers housing of the card connector having multiple insertion slots, the respective slots suited for the same or different card form factors
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—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
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3572—Multiple accounts on card
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
    • G07B15/00—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points
    • G07B15/06—Arrangements for road pricing or congestion charging of vehicles or vehicle users, e.g. automatic toll systems
    • G07B15/063—Arrangements for road pricing or congestion charging of vehicles or vehicle users, e.g. automatic toll systems using wireless information transmission between the vehicle and a fixed station
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873—Details of the card reader
    • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction

Landscapes

  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Vision & Pattern Recognition (AREA)
  • Artificial Intelligence (AREA)
  • Computer Hardware Design (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Computing Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

TERMINAL PORTABLE DE TAILLE APPROXIMATIVEMENT EGALE A LA MAIN DESTINE A EFFECTUER DES TRANSACTIONS FINANCIERES. LE TERMINAL COMPORTE UN CLAVIER 211 POUR ENTREE DE DONNEES PAR UN OPERATEUR, UN ECRAN D'AFFICHAGE 213, UNE FENTE POUR INSERER UNE CARTE D'EMMAGASINAGE ET DE TRANSFERT DE DONNEES A DES POSITIONS PREDETERMINEES DE FACON A CE QUE DES MOYENS DE COUPLAGE CAPACITIF DU TERMINAL SOIENT ALIGNES AVEC DES MOYENS DE COUPLAGE CAPACITIF CORRESPONDANTS DE LA CARTE POUR TRANSFERT D'INFORMATIONS PAR SIGNAUX DE FREQUENCE RADIO, ET QUE DES ENROULEMENTS DE TRANSFORMATEUR DU TERMINAL SOIENT ALIGNES AVEC DES ENROULEMENTS DE TRANSFORMATEUR CORRESPONDANTS DE LA CARTE POUR TRANSFERT D'ENERGIE PAR COURANT ALTERNATIF. UN TEL TERMINAL EST UTILISABLE DANS UN SYSTEME DE TRANSACTIONS FINANCIERES SANS ENCAISSE D'ARGENT.PORTABLE TERMINAL APPROXIMATELY EQUAL TO THE HAND FOR CARRYING OUT FINANCIAL TRANSACTIONS. THE TERMINAL INCLUDES A 211 KEYBOARD FOR DATA ENTRY BY AN OPERATOR, A DISPLAY SCREEN 213, A SLOT FOR INSERTING A STORAGE AND DATA TRANSFER CARD AT PREDETERMINED POSITIONS AS SOON AS CAPACITIVE COUPLING MEANS OF THE TERMINAL ARE ALIGNED WITH CORRESPONDING CAPACITIVE COUPLING MEANS OF THE BOARD FOR TRANSFER OF INFORMATION BY RADIO FREQUENCY SIGNALS, AND THAT TRANSFORMER WINDINGS OF THE TERMINAL ARE ALIGNED WITH CORRESPONDING TRANSFORMER WINDINGS OF THE BOARD FOR PARFER TRANSFER ALTERNATIVE. SUCH A TERMINAL CAN BE USED IN ANY CASH-FREE FINANCIAL TRANSACTIONS SYSTEM.

FR7834442A 1977-12-30 1978-11-30 PORTABLE PERSONAL TERMINAL FOR FINANCIAL TRANSACTIONS Granted FR2413721A1 (en)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
US86619777A 1977-12-30 1977-12-30

Publications (2)

Publication Number Publication Date
FR2413721A1 true FR2413721A1 (en) 1979-07-27
FR2413721B1 FR2413721B1 (en) 1983-08-26

Family

ID=25347127

Family Applications (1)

Application Number Title Priority Date Filing Date
FR7834442A Granted FR2413721A1 (en) 1977-12-30 1978-11-30 PORTABLE PERSONAL TERMINAL FOR FINANCIAL TRANSACTIONS

Country Status (8)

Country Link
JP (1) JPS5853784B2 (en)
CA (1) CA1111567A (en)
DE (1) DE2852941C2 (en)
FR (1) FR2413721A1 (en)
GB (1) GB2011671B (en)
IT (1) IT1160331B (en)
NL (1) NL7812390A (en)
SE (1) SE7812924L (en)

Cited By (2)

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EP0142436B1 (en) * 1983-11-10 1991-02-27 Dominique Saulnier Information exchange system with electronic labels
USRE36788E (en) * 1990-09-06 2000-07-25 Visa International Service Association Funds transfer system

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US4295039A (en) * 1979-12-03 1981-10-13 International Business Machines Corporation Method and apparatus for achieving secure password verification
US4302810A (en) * 1979-12-28 1981-11-24 International Business Machines Corporation Method and apparatus for secure message transmission for use in electronic funds transfer systems
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GB2092344B (en) * 1981-01-30 1985-12-18 Halpern John Wolfgang Security in electronic fund transfer systems
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JPH0642244B2 (en) * 1982-07-09 1994-06-01 オムロン株式会社 Margin transaction processing device
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DE3509633C2 (en) * 1984-04-26 1994-05-11 Heidelberger Druckmasch Ag Device for controlling a printing press
JPH0766402B2 (en) * 1984-12-24 1995-07-19 エイ・ティ・アンド・ティ グローバル インフォメーション ソルーションズ インターナショナル インコーポレイテッド Portable data processing terminal and data processing system using the terminal
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DE3822540A1 (en) * 1988-07-04 1990-01-11 Deutsche Bundespost Arrangement for testing and influencing data exchange processes between a smart card and a data terminal
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DE4227551A1 (en) * 1992-08-20 1994-02-24 Eurosil Electronic Gmbh Chip card with field strength detector
US5434396A (en) * 1992-11-10 1995-07-18 Xicor Inc. Wireless powering and communication system for communicating data between a host system and a stand-alone device
DE4328340A1 (en) * 1993-08-24 1995-03-02 Gerhard Bihler Programmable payment cards
DE4340868C2 (en) * 1993-12-01 1997-07-10 Orga Kartensysteme Gmbh Mobile card input device with coupling device
DE4432411A1 (en) * 1994-08-31 1996-03-07 Deutsche Telekom Ag Universal application method for card end equipment
DE4442007C2 (en) * 1994-11-28 1998-10-29 Stocko Metallwarenfab Henkels Smart card reader
FR2738070B1 (en) * 1995-08-21 1997-10-03 Sirbu Cornel COMBINED POINTING APPARATUS WITH CHIP CARD COUPLERS
CZ294507B6 (en) * 1995-08-21 2005-01-12 Cornel Sibru Conditional access method and device
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IT1315400B1 (en) * 2000-02-23 2003-02-10 Vittorio Pareti DEVICE FOR CURRENCY TRANSACTIONS BETWEEN MAGNETIC SUPPORTS EQUIPPED WITH PERMANENT REWRITABLE MEMORY.
FR2811109B1 (en) * 2000-06-29 2002-12-27 A S K NON-CONTACT PORTABLE OBJECT HAVING ONE OR MORE NON-CONTACT PERIPHERAL DEVICES
FR2811108B1 (en) * 2000-06-29 2002-09-27 A S K NON-CONTACT PERIPHERAL DISPLAY DEVICE FOR NON-CONTACT PORTABLE OBJECT
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US4007355A (en) * 1974-03-25 1977-02-08 Societe Anonyme Dite: Societe Internationale Pour L'innovation Data-transfer system
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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0142436B1 (en) * 1983-11-10 1991-02-27 Dominique Saulnier Information exchange system with electronic labels
USRE36788E (en) * 1990-09-06 2000-07-25 Visa International Service Association Funds transfer system

Also Published As

Publication number Publication date
NL7812390A (en) 1979-07-03
DE2852941C2 (en) 1985-08-22
IT1160331B (en) 1987-03-11
DE2852941A1 (en) 1979-07-05
CA1111567A (en) 1981-10-27
GB2011671B (en) 1982-05-12
GB2011671A (en) 1979-07-11
JPS5853784B2 (en) 1983-12-01
FR2413721B1 (en) 1983-08-26
IT7830732A0 (en) 1978-12-12
SE7812924L (en) 1979-07-01
JPS5494855A (en) 1979-07-26

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