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EP0358525A2 - Système de transaction - Google Patents

Système de transaction Download PDF

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Publication number
EP0358525A2
EP0358525A2 EP89309137A EP89309137A EP0358525A2 EP 0358525 A2 EP0358525 A2 EP 0358525A2 EP 89309137 A EP89309137 A EP 89309137A EP 89309137 A EP89309137 A EP 89309137A EP 0358525 A2 EP0358525 A2 EP 0358525A2
Authority
EP
European Patent Office
Prior art keywords
tag
read
transaction
transaction system
fuel
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.)
Withdrawn
Application number
EP89309137A
Other languages
German (de)
English (en)
Other versions
EP0358525A3 (fr
Inventor
John Alexander Mccrindle
Neil Mcdonald
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.)
Avery Weigh Tronix Ltd
Original Assignee
W&T Avery 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 W&T Avery Ltd filed Critical W&T Avery Ltd
Publication of EP0358525A2 publication Critical patent/EP0358525A2/fr
Publication of EP0358525A3 publication Critical patent/EP0358525A3/fr
Withdrawn legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873—Details of the card reader

Definitions

  • This invention relates to an electronic system and in particular but not exclusively it relates to a system for paying for fuel such as petrol or diesel fuel at a petrol station forecourt by a means other than cash.
  • the present invention arose in an attempt to obtain a more convenient method of paying for the fuel and also in an attempt to provide a yet more secure system than a credit card or cash.
  • a transaction system including a portable tag forming a key fob or part of a key and including processing means, memory means and a and inductive input/output means, and a read/write unit at a point of sale arranged to couple inductively with the tag for cashless payment for goods and/or services, wherein the tag and each read/write unit are provided with cooperating means for establishing authorisation between the tag and read/write means and for forbidding a transaction if authorisation is not established.
  • the tag and read/write unit couple in a contactless manner, such as that disclosed in GB 2173623A.
  • Motor vehicles generally require the use of one or more keys; firstly to obtain entrance to a vehicle and secondly for actuating the ignition system of a vehicle. Locks and keys are also commonly used on petrol caps to aid security.
  • a tag of the type described is linked to such a key and thus, it can be assumed that whenever the user has his car keys with him, i.e. whenever the car is being used, he also has the tag.
  • the token is in the form of a key fob.
  • the token could be integral with a key.
  • the tag and each read/write unit are provided with complementary means for establishing authorisation between the tag and read/write means and for forbidding a transaction if authorisation is not established.
  • the tag may have a unique identifier, such as a PIN (Personal Identification Number) stored within it and the read/write unit be provided with a means, such as a keypad, with which a user can enter his PIN. If the two identifiers agree then authorisation can be established. An expiry date may also be included within the tag, which date can be checked.
  • the tag may be a prepayment one, in which a plurality of units may be 'bought' and loaded into the tag, which could be replenishable, or the card could be of the debit type and generate an "electronic cheque" as is described further below.
  • the read/write unit is preferably linked to a remote computer containing details of a user's account and means are provided for debiting or crediting the users account in accordance with the value of a transaction, either as the transaction is made or at a later time.
  • the system is used for paying for fuel and the read/write unit is connected to means for measuring the amount of fuel used and for calculating the value of a transaction.
  • the read/write unit may be connected to a fuel actuator such as a pump and thus enable fuel to be dispensed only if correct authorisation is established.
  • the actuator could be shut off if operative contact between the tag and read/write unit is broken. A delay may be included so that accidental removal and replacement of the tag does not terminate dispensing but a deliberate removal does.
  • a read/write unit for interacting inductively with a portable token of the type comprising processing means, memory means and input/output means, the unit comprising a surface shaped to receive a token and at least one inductive loop disposed such that it encirlces the surface and lies outwardly of or level with that surface.
  • the surface is a recess and the loop is embedded in the unit and encircles the recess.
  • a user is provided with a portable token in the form of a small tag forming a key fob 1.
  • a portable token in the form of a small tag forming a key fob 1.
  • keys 2 which serve to operate the ignition of a vehicle, which may be any type of motor vehicle, and/or to effect entry to that vehicle or to gain access to its fuel filling system.
  • a mechanical key is shown but the key may of course be one which is operated electronically, by infra-red, or by any other means.
  • FIG. 2 shows in more detail the typical structure of key fob 1.
  • a printed circuit board or substrate 3 upon which is mounted one or more integrated circuits 4 and interconnections 5 between these.
  • the circuits are connected to an inductive loop 6 also mounted on the printed circuit board which serves to communicate information into and out of the fob by inductive coupling with an external coupler described in more detail below.
  • inductive coupling may be achieved by means of a system as is disclosed in GB 2173623A.
  • the token or fob may be manufactured in any convenient manner and it has been found useful to manufacture it by means of a moulding process such as by reaction injection moulding. Typically an epoxy or a polyurethane may be used for this.
  • the PCB 3 is held in a mould by means of a plurality of pegs (not shown) made of the same material as the moulding plastics material and the plastics material is then poured into the mould and set, thus holding the circuit board securely in place.
  • the pegs need not of course be the same material as the moulding material but it is useful for them so to be.
  • Further components 7 are shown on the figure and may be required in some circumstances. These could be for instance capacitors or inductors.
  • FIG 3 shows one arrangement in which a cashless payment system may be organised.
  • a fuel supply station such as a petrol station forecourt a plurality of pumps 8 are provided. These will for convenience be termed petrol pumps but they could equally well be for diesel fuel or any other type of liquid fuel.
  • a central controller 10 which is most often held within a central payment area shown generally at 11.
  • the controller generates signals to actuate each pump and measures the amount of fuel used at each pump during each transaction. This information is supplied to an EPOS (Electronic Point of Sale) unit 12 and the customer is billed according to the charge shown on the till.
  • EPOS Electronic Point of Sale
  • Unit 13 is a read/write unit which is preferably of the type described in the aforementioned UK patent application GB 2173623A and include an inductive loop 15 mounted near one surface thereof such that when a customer places a set of keys, including fob 1, upon the read/write unit operative coupling may be achieved between inductive loops 6 and 15, on the fob and read/write unit respectively.
  • Read/write unit 13 may have an on board processing capability or may be used merely to send control signals to EPOS unit 12 which will include processing ability.
  • a key pad 14 is also connected to the EPOS unit.
  • the EPOS unit 12 is a local controller and is connected or connectable to one or more remote computers 16, such as bank or credit card companies computers. These computers hold details of customers accounts and such embodiments of the invention will be described in more detail below.
  • the user of the system first takes his vehicle to one of the plurality of pumps 8 and fills his fuel tank with a desired amount of liquid fuel.
  • the user subsequently takes his key-ring, including the "intelligent" fob 1 to the payment area 11 and places the keys on the reader 13 in such a manner that operative coupling is achieved between fob 1 and coil 15. It is important firstly to establish that the user of the fob is the correctly authorised user.
  • Authorisation techniques are well known and similar techniques may be used to those which have been developed for so called "smart cards". One such method is described in UK Patent Application No. 8711743.
  • the token may contain, electronically stored within it, a so called PIN (personal identification number) which is unique to the particular user.
  • PIN personal identification number
  • the user is asked to enter at keypad 14 his PIN number.
  • the number entered by the user is then sent via the EPOS unit to the tag or fob which compares it with an internally stored number held in a secure part of memory. If both agree the tag will allow the transaction to proceed. If authorisation is not established then the user is not allowed to conduct a transaction. Further methods of authentication including finger print or voice data could also be used for further security.
  • the fob can further include an expiry date which can be checked by the system and authorisation refused if that date has been passed.
  • the fob can be used as a pre­payment card and includes a number of monetary units which are decremented in accordance with the value of purchases.
  • the tag can issue an electronic cheque.
  • the tag is preferably adapted such that at any time it can be loaded with a number of prepaid units which serve as monetary units. These units could be purchased at for instance bank or petrol stations and are loaded on by means of a computer in known manner.
  • the EPOS unit 12 serves, with the reader 13, to debit a number of units from the token dependent upon the amount of fuel used and its value.
  • the amount of fuel used and its value are fed to the controller 10 on line 9 from the pump and the charge is determined.
  • units are deducted from the card. If the card becomes totally or partially uncharged, i.e. no units or less than a minimum threshold number of units are remaining, before the whole value of the transaction is deducted, then the transaction can be stopped and warnings actuated, in which case the card should be recharged.
  • the fob When the system is used as an electronic cheque type payment system the fob need not be of the type which can be pre-loaded with monetary units and can instead, once authorisation has been established, issue a command to EPOS unit 12 which is in the form of an electronic cheque and which is ultimately fed to a computer holding the user's bank, credit card or other charge account.
  • EPOS unit 12 which is in the form of an electronic cheque and which is ultimately fed to a computer holding the user's bank, credit card or other charge account.
  • This could be done by using a remote link, as shown at 16, either in an on-line or off-line mode.
  • the message can be passed at a later time of day when perhaps the lines are not so busy.
  • a permanent or semi-permanent record such as a paper document or perhaps a magnetic disk or tape could be made of the transaction and this could be forwarded to the relevant bank etc.
  • a combination of both the pre-payment and electronic cheque systems can be applied to a single card.
  • the user could use the card to issue an electronic cheque command to pay for a number of prepaid monetory units which are then applied to the same card.
  • the card can then continue to be used for paying for, e.g. fuel according to the number of units credited to it, as described hereinbefore.
  • the reader 13 be located at a central payment office and indeed a reader may be provided at each pump location 8.
  • Figure 4 shows schematically how a control system might work in which a reader is located locally at the pump, although this control is also applicable if the reader is located at a central location.
  • the reader in this case is connected directly to a fuel actuator means 24 which serves to actuate the pumping of fuel from the dispenser.
  • the system is then arranged such that the actuator 24 is not permitted to function until authorisation has been achieved by, for example, comparing a user's entered PIN number with that stored upon the fob.
  • the system may also check, if the fob is one which stores a plurality of units which are decremented as they are used up, that a sufficient mimimum number of units remain on the card. If not, then authorisation is not obtained.
  • the fuel actuator is switched on and fuel is allowed to be dispensed from a pump nozzle 18.
  • the amount of fuel dispensed is measured by a fuel meter 16 and applied to a unit shown as a calculation unit 17 to which the current price for that particular fuel is applied.
  • Unit 17 then calculates the value of the transaction. This value is then applied from the calculation unit 17 to reader 13 and thence to token 1 to perform a monetary transaction in any of the ways described above.
  • a further requirement of this system could be that if the fob is removed from operative contact with the reader for any reason the actuator is instructed to stop pumping, in which case the fuel supply is cut off to the dispenser.
  • a delay could be included here of chosen time period to allow for the fob accidentally being knocked off the reader and replaced.
  • the simplest type of reader is one which comprises an inductive loop mounted underneath a flat surface on which the fob can be placed directly. It may be more advantageous to use an alternative form of inductive reader, two examples of which are shown in respective Figures 5 and 6.
  • a reader is shown which includes a slot 19 for receiving the fob 1.
  • An inductive field can be applied in any suitable manner to the slot, but a preferred way of achieving this is shown in Figure 5B in which a C core 20 is used to supply a magnetic field across an article placed within the slot.
  • a ledge 22 is provided on such a reader such that other keys or items held on the same key-­ring as fob 1 can be rested thereon and do not hang loose where they can possibly cause the fob to fall out by gravity or may be caught by passing objects.
  • Figure 6 shows yet another and preferred type of reader in which the reader is provided with a recess 23 in its top surface.
  • Figure 6B is a section through X-X of Fig. 6A and shows in more detail this recess.
  • the inductive loop 6 is disposed around the recess such that the recess extends down to or below the plane of the loop or loops.
  • the tag or fob 1 can be received with greater accuracy and also a greater operating range at which the fob can communicate with the reader is achieved, since the fob can now lie either a certain distance under the plane of the coil or that certain distance above it. Previously it could only lie at certain distance above.
  • the recess can be, as shown in the drawing, significantly larger than the fob or could be of similar and complementary dimensions to the fob such that the fob can fit securely in the recess and any keys sit outside the recess.
  • the inductive loop may be provided on a raised ridge above a substantially flat reader surface and thus the recess will be formed by the portion of the reader surface in between the raised ridge holding the loop.
  • the intelligent token has been described as being a key fob and forming a separate item to an actual ignition or car entry key, it is envisaged that the token could form part of the key itself and could perhaps form the handle portion of the key, which portion is not inserted into a lock.
  • the key itself could be an electronic key in which case the functions for operating the ignition system of a vehicle and effecting entry to the vehicle may or may not be integral with the cashless payment electronic system.
  • the token may of course be appropriate for payment for other types of goods other than fuel and even for payment for services.
  • a token could be used as a cash dispensing card.

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  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Lock And Its Accessories (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Cash Registers Or Receiving Machines (AREA)
EP19890309137 1988-09-09 1989-09-08 Système de transaction Withdrawn EP0358525A3 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
GB8821193A GB2222714A (en) 1988-09-09 1988-09-09 Cashless payment system
GB8821193 1988-09-09

Publications (2)

Publication Number Publication Date
EP0358525A2 true EP0358525A2 (fr) 1990-03-14
EP0358525A3 EP0358525A3 (fr) 1991-09-25

Family

ID=10643335

Family Applications (1)

Application Number Title Priority Date Filing Date
EP19890309137 Withdrawn EP0358525A3 (fr) 1988-09-09 1989-09-08 Système de transaction

Country Status (2)

Country Link
EP (1) EP0358525A3 (fr)
GB (1) GB2222714A (fr)

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EP0578001A3 (en) * 1992-07-04 1994-07-27 Boretius Michael Electronic device to start a function using a key
BE1009253A3 (fr) * 1995-03-31 1997-01-07 Banksys Procede et dispositif de payement sans argent liquide.
FR2750521A1 (fr) * 1996-06-28 1998-01-02 Ordicam Rech Et Dev Procede pour le controle de la distribution et/ou le le paiement du carburant delivre dans une station-service et installation utilisee pour la mise en oeuvre de ce procede
NL1006259C2 (nl) * 1997-06-09 1998-12-10 Nedap Nv Pompsysteem met betaalautomaat voor debet-kaarten.
EP0783161A3 (fr) * 1996-01-02 1999-01-20 Tecno Accion SA ContrÔle d'enregistrement double d'entrée et de sortie de personnes ou d'objets dans une zone prédéterminée
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Also Published As

Publication number Publication date
GB8821193D0 (en) 1988-10-12
EP0358525A3 (fr) 1991-09-25
GB2222714A (en) 1990-03-14

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