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WO2001004832A1 - Carte bancaire ou billet de banque avec afficheur - Google Patents

Carte bancaire ou billet de banque avec afficheur Download PDF

Info

Publication number
WO2001004832A1
WO2001004832A1 PCT/AU2000/000835 AU0000835W WO0104832A1 WO 2001004832 A1 WO2001004832 A1 WO 2001004832A1 AU 0000835 W AU0000835 W AU 0000835W WO 0104832 A1 WO0104832 A1 WO 0104832A1
Authority
WO
WIPO (PCT)
Prior art keywords
card
note
display
currency
accordance
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.)
Ceased
Application number
PCT/AU2000/000835
Other languages
English (en)
Inventor
Ian Charles Ogilvy
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.)
Cardsoft International Pty Ltd
Original Assignee
Cardsoft International Pty 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 Cardsoft International Pty Ltd filed Critical Cardsoft International Pty Ltd
Priority to AU56649/00A priority Critical patent/AU5664900A/en
Publication of WO2001004832A1 publication Critical patent/WO2001004832A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • B—PERFORMING OPERATIONS; TRANSPORTING
    • B42—BOOKBINDING; ALBUMS; FILES; SPECIAL PRINTED MATTER
    • B42D—BOOKS; BOOK COVERS; LOOSE LEAVES; PRINTED MATTER CHARACTERISED BY IDENTIFICATION OR SECURITY FEATURES; PRINTED MATTER OF SPECIAL FORMAT OR STYLE NOT OTHERWISE PROVIDED FOR; DEVICES FOR USE THEREWITH AND NOT OTHERWISE PROVIDED FOR; MOVABLE-STRIP WRITING OR READING APPARATUS
    • B42D25/00—Information-bearing cards or sheet-like structures characterised by identification or security features; Manufacture thereof
    • B42D25/20—Information-bearing cards or sheet-like structures characterised by identification or security features; Manufacture thereof characterised by a particular use or purpose
    • B42D25/29—Securities; Bank notes

Definitions

  • the present invention relates generally to monetary currency and particularly, but not exclusively, to a bank note or card which may be arranged to be of variable monetary value .
  • Currency is generally provided in the form of bank notes and coins having predetermined denominations.
  • Australian bank notes are in denominations of $5, $10, $20, $50 and $100.
  • the production of notes for so many denominations is complex and expensive, particularly because each note has to incorporate security measures to avoid forgery as well as measures to distinguish the denomination .
  • currency in this form is only “cashed” by exchange transactions, ie. notes must be exchanged in return for goods or services. It is, therefore, necessary to produce notes in different denominations in high numbers to ensure there is enough cash in the economy to facilitate the exchange of goods and services.
  • Credit cards and "smart" cards are available which can be used in place of cash, for all transactions for goods and services where means (usually a terminal) are provided in relation to the credit card or "smart" card which enable a goods/service provider to enter the transaction.
  • a payment transaction terminal is usually required.
  • a transaction terminal may be able to access an account on line, and maybe at least able to communicate messages to a transaction acquirer so that a transaction can be processed.
  • Some smart cards carry a "certified" currency amount in memory which is decremented in response to a transaction. There is no visual indication provided on either a credit card or a "smart” card, however, indicating an actual credit value of the card.
  • To check the credit either the credit memory of the card (smart card) or the account of the card owner must be accessed and this requires a device which can access the credit memory (smart card) and ascertain an amount of available credit, or requires a communication link with an account provider (bank) .
  • the device which can access the credit memory (smart card) or the communication device usually a computer terminal
  • a prepaid card which has a display which shows an amount of units of value remaining on the prepaid card is disclosed in Japanese Patent Application 63-282978 (NEC Corporation) .
  • a series of numerals are provided on the card (e.g. numerals 1 through 10) .
  • a card reader reads the remaining value on the card from a magnetic stripe memory and causes embossed projections to be made against the numeral indicating the remainder value of units.
  • This primitive "display" cannot be re-used once the embossing has been inserted and requires an external device to read the remainder amount from the magnetic stripe, and also to cause the embossing to occur.
  • the present invention provides a card or note including a display having indication means arranged to indicate a currency value and means enabling variation of the indication means to indicate a new currency value .
  • the means enabling variation of the indication means is preferably arranged to vary the indication means in response to a transaction, to indicate a new currency value .
  • the display is fully mutable. That is it is able to display any variation of the currency value required. It is also able to display any graphical form which may be required e.g. numerals, letters (i.e. in a similar manner to a conventional computer display or CCD display) .
  • the display is both incrementable and decrementable, to show a higher or lower currency value.
  • the card or note includes a processor.
  • the processor may implement the means enabling variation of the indication means and therefore may control the currency value displayed.
  • the processor also includes means enabling authentication of the amount displayed. This may include a security means, such as a stored encrypted security code, which can be accessed by a device to confirm that the value being displayed is in fact an authorised value.
  • the display is a permanent display. That is, a currency value generally remains displayed until the display is changed to indicate a new currency value.
  • the display does not require any power supply to maintain the display of the currency value.
  • the card or note is arranged to be accessed by a payment terminal device, which affects the variation enabling means to cause the indication means to indicate a new currency value.
  • the payment terminal device may be operated to carry out a transaction and, for example, may operate to credit a provider of goods/services in accordance with the currency value for the transaction.
  • a retail store could operate payment terminal devices which would access the card or note in accordance with a transaction and cause the value indicated on the card or note to vary depending upon the value of the transaction.
  • the card or note may include a memory which is arranged to store a currency value .
  • the payment terminal device is preferably arranged to decrement or increment the value in the memory in accordance with the transaction.
  • the stored value may be the same as the displayed value but in an alternative embodiment the stored value may be different from the displayed value.
  • an owner of the note or card may not wish the full value of credit to be displayed, for security purposes, and may wish a lower value to be displayed than actually is stored on the card.
  • the display would preferably not be decremented until the stored value fell below the displayed value, but the value on the display would provide an indication to the service/goods provider that there was sufficient credit - A - for the transaction.
  • credit may not be stored in a memory of the card or note but the payment terminal device may be arranged to access a users account at an account acquirer location (bank) .
  • Variation of the amount in the users account in accordance with the transaction is reflected in variation in the displayed amount on the card or note.
  • the display thus reflects the value of a users account. Again, the display may not show the same value as that of the users account, but may, for example, be of lower value and will, therefore, only vary when the users account drops below the displayed value.
  • the value displayed on the note or card may also be incremented. For example, at intervals the credit value of the note or card may require replenishing. Then if appropriate credit is allocated by the user (via an account or via other means, eg. "buying" more credit) the display will be incremented to reflect the increased credit .
  • the display may be a display which can be varied magnetically or optically to vary the indicators. The power supply may only be required when variation of the display is required and, therefore, may be provided via a payment terminal device . No permanent power supply on the note or card is therefore required in such a case.
  • card or “note” could also include other portable items, such as disks, or any item of relatively small, portable nature.
  • the card or note is a credit-type card, or a note similar to presently available currency notes.
  • the card or note may incorporate a memory including a plurality of locations for currency values.
  • One location may be representative of the amount of a value being displayed while another location is representative of an amount of credit which is available to the user but which is not displayed.
  • currency value can be transferred from the "reserve" memory location to the memory location which drives the display.
  • More than one memory device may also be included in the card or note.
  • a value for cash in the memory which drives the display may be replenished from the currency stored in the other memory. Means may be provided to access the other memory and drive the display to indicate how much currency is stored in the reserve memory.
  • a note or card such as this may be used in the standard way that the present standard currency is used. That is, it may be handed from one person to another and taken by the person it is being handed to as having the value that is indicated on the indication means.
  • the person may have a reader for reading a stored verification of authority of the currency confirming that the currency is authorised.
  • a visual indication such as a visible sign, or part of the indication means, may indicate that the currency is authorised visibly, so that no reader is required.
  • the note or card in accordance with the present invention may be used as standard currency, therefore, to be exchanged between people.
  • a bank, or other financial institution for example, may have a plurality of these notes or cards and may assign a different value to each of the plurality.
  • Security authorisation means in a processor in a note or card may only allow access by authorised representatives of the bank or financial institution. That is, the display cannot be altered by an unauthorised persons, such as members of the public.
  • the note or card will therefore be used as general currency in exchange between persons .
  • the display When returned to the bank or financial institution, the display may be changed as required by the bank or financial institution. This has the advantage that only one type of note or card needs to be produced for a bank or financial institution to represent many values of currency.
  • a note or card may be "owned” by an individual, and used to display various currency values depending on the state of an account of the individual, as discussed above.
  • the present invention provides a currency note or card which is arranged to be representative of various currency values and includes a display having indicator means for indicating various currency values and also includes means for varying the displayed value.
  • the note or card may include a verification of authority means which verifies (e.g. to the public) that the note or card is authorised at the displayed value by e.g. a financial institution.
  • the verification of authority means may be visible (e.g. watermark, part of the changeable display) or stored in memory (e.g. a security code which can be checked by an appropriate reading device) .
  • the note or card preferably also includes a security authorisation means, such as a security code, for example, which only enables access to vary the display if the security code is provided.
  • a security authorisation means such as a security code, for example, which only enables access to vary the display if the security code is provided.
  • the security authorisation means may only be enabled by preselected entities, e.g. authorised representatives of a financial institution.
  • the present invention provides a payment terminal including means arranged to cause variation of a display of a card or note as discussed above, in response to a transaction.
  • the present invention provides a computer readable medium, storing instructions for controlling a payment terminal to provide a means arranged to cause variation of the display of a card or note .
  • the present invention provides a method of providing currency, comprising the steps of providing a note or card including a variable display, and setting the display to a predetermined currency value, and providing the note or card to the public for use in commerce.
  • Figure 1 is a schematic diagram of a card or note in accordance with an embodiment of the present invention.
  • Figure 2 is a diagram of an example payment terminal for use in varying the display of the note or card of Figure 1.
  • Reference numeral 1 generally indicates a note or card. It may be a relatively flexible item (resembling a bank note) or it may be a relatively rigid item (resembling a credit card) .
  • the note or card 1 may include various printed symbols 2,3 as with conventional credit cards or notes. Some of the symbols may be for security purposes, for example.
  • the card or note 1 also includes a display 4 having indicator means 5 which are variable and arranged to indicate a currency value.
  • the display 4 is incrementable and decrementable (to show increased values and decreased values) . It is also fully mutable, so that it may display any graphical symbol e.g. letters, numbers, etc, depending upon programming.
  • Means for varying the display includes a processor having control unit and memory 6 and display driver 7.
  • the display 4 is preferably of a type which remains even when there is no power supply.
  • the indicator means may be altered by magnetic means and the driver 7 be arranged to alter the orientation of the magnetic means to alter the value displayed. Power is only required when the display is being altered and, therefore, may be taken from an external source, such as the terminal of Figure 2.
  • the display may be a standard LCD display, in which case it would require a power supply to remain permanent.
  • the display may be a liquid polymer display.
  • the memory 6 is arranged to store a credit value which may be reflected by the value displayed by indicators 5. The credit value and the display can be incremented and decremented in response to a transaction, via connectors 8.
  • Figure 2 illustrates a payment terminal device 10 for use with the card or note 1.
  • the payment terminal device may be used by a goods/services provider to vary the credit available on the note 1 in response to a transaction.
  • the terminal 10 comprises a connector arrangement 11 arranged to connect to the connectors 8 of the note 1, so that a transaction can be carried out.
  • the terminal also comprises a keypad 12, including a decimal set of keys and control keys whereby transaction information and values can be entered.
  • the terminal also comprises a display 13 for displaying desired transaction information.
  • Such a payment terminal may be based on know EFTPOS terminals or terminals which are used for "smart" card transactions, with any modifications which may be required to cause the display 4 on the note 1 to be altered in accordance with a transaction.
  • the connector 11 will be arranged to be compatible with whatever type of connectors 8 are used.
  • the device 10 is also provided with a communication line 13 which may be arranged to enable communication with an account acquirer such as a bank.
  • software on the EFT terminal may be included to drive the controller memory unit 6 to cause the driver 7 to change the display 4.
  • the EFT terminal merely acts as a communications terminal communicating the value to the controller memory unit 8 (i.e. an updated value) depending on a transaction occurring via the EFT terminal .
  • the processor 6 and driver 7 will cause the display to be updated.
  • a card owner who wishes to buy goods or services presents the card or note 1 to a terminal 10 operator.
  • the display 4 would indicate a value sufficient to deal with the transaction.
  • Both the terminal operator and card/note owner would therefore have confidence that there was enough credit to deal with the transaction without it being necessary for them to go through the (possibly embarrassing) operation of operating the terminal 10 to access the card 1. Indeed, the card owner 1 is unlikely to engage in the transaction in the first place if the value indicated by indicators 5 is insufficient .
  • the terminal operator engages the connectors 8 with the connector 11 on the terminal 10 and operates the keypad 12 to enter the relevant transaction information, including the credit value of the transaction.
  • the control unit 6 decrements the credit value in the memory and at the same time causes the driver 7 to operate the indicators 5 to decrement the indicated value accordingly.
  • a memory storing actual credit units need not be included on the card or note 1.
  • security and account information is included on the card 1 to enable the terminal 10 to access the users account via communications line 13.
  • the account is decremented accordingly and the amount in the account is reflected by the display 4.
  • the only difference in operation between this variation and EFTPOS, is that means needs to be provided to ensure that the display is updated. This means includes the controller memory unit 6 and driver 7.
  • indication means 5 may be optically or magnetically altered by suitable magnetic or optical actuating means incorporated in the terminal device 10. That is the driver 7 may be dispensed with and the character altering instead be driven from the device 10, by suitable optical or magnetic means.
  • the card or note 1 could include a simple memory, rather than an integrated circuit, in the form of a magnetic strip, for example.
  • the magnetic strip may include information enabling a terminal 10 to access the users account.
  • the display 4 would be changed in accordance with the transaction once the account had been accessed.
  • the display may be changed by appropriate means in the terminal 10 or by a driver 7 in the card or note. Such an arrangement would resemble magnetic striped cards presently used with EFTPOS with the addition of a variable display indicating an amount available for credit.
  • the terminal 10 may include appropriate software to control the display 5 directly.
  • a security authorisation means is provided for ensuring that the display is not changed without the appropriate authorisation. If the card or note is provided with the appropriate authorisation, the display may be varied.
  • This embodiment may be used as general currency with, as far as the public using the currency are concerned, a fixed value, which can only be changed by the person authorised to change the value (e.g. a financial institution) .
  • the card or note may also include a verification of authority means.
  • the verification of authority means may include, for example, a stored encrypted value which can be detected for authorisation by an appropriate reader.
  • the security authorisation means may include a visible mark (e.g. watermark) or indication on the display that the card or note has the appropriate authorisation.
  • the encryption code or authority may be issued by an authorising body, such as a financial institution, such as a bank.
  • Financial institutions may therefore issue currency in this form (i.e. card or note with variable display) .
  • the financial institutions may only allow access to change the display by authorised representatives of the financial institution (i.e. bank branches) .
  • the note may include a visible indication (i.e. watermark, or variable part of the display again only with access allowed by the bank) that the value displayed is authorised by the financial institution.
  • the card or note may therefore be used as general currency and physically exchanged between people, who can be satisfied that the value displayed is not a forgery, because they have authorisation (either visible or relying on the electronic authorisation-encrypted code- which may be stored in a memory on the card, by the financial institution) .
  • the financial institution may at any time change the value of the display when they have access to the card or note (using an appropriate reader/writer) . There is therefore the possibility that a single type of card or note may be produced for the financial institution, for representing various currency amounts.
  • the card or note may alternatively belong to an individual, and the variable display represents an amount of currency which the individual has on that particular card or note, and it may be changeable depending on transactions, as discussed above.
  • the recently developed "electronic paper" may be used to provide the display for the card or note.
  • connections are provided to allow access to the processor on the card or note. Connections need not be provided. Communications may be by wireless means.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Credit Cards Or The Like (AREA)

Abstract

La présente invention concerne la monnaie. En règle générale, une monnaie se présente sous forme de pièces ou de billets de banque ayant une dénomination donnée, qui est fixe. La présente invention concerne une forme de monnaie qui comprend une carte ou un billet comportant un système d'indication servant à indiquer la valeur d'une unité de monnaie, le système d'indication pouvant varier en sorte que la carte ou le billet puisse représenter des dénominations de monnaie différentes. Le système d'indication se présente de préférence sous la forme d'un afficheur, et la carte ou le billet change les indications sur l'afficheur en réponse à une transaction monétaire.
PCT/AU2000/000835 1999-07-12 2000-07-12 Carte bancaire ou billet de banque avec afficheur Ceased WO2001004832A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU56649/00A AU5664900A (en) 1999-07-12 2000-07-12 Bankcard or note with display

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
AUPQ522899 1999-07-12
AUPQ5228 1999-07-12

Publications (1)

Publication Number Publication Date
WO2001004832A1 true WO2001004832A1 (fr) 2001-01-18

Family

ID=3819354

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/AU2000/000835 Ceased WO2001004832A1 (fr) 1999-07-12 2000-07-12 Carte bancaire ou billet de banque avec afficheur

Country Status (1)

Country Link
WO (1) WO2001004832A1 (fr)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2003089250A3 (fr) * 2002-04-19 2004-05-21 Giesecke & Devrient Gmbh Document de securite
DE102004059798A1 (de) * 2004-12-10 2006-06-29 Ovd Kinegram Ag Optisch variables Element mit elektrisch aktiver Schicht
RU2490140C2 (ru) * 2008-02-11 2013-08-20 Гизеке Унд Девриент Гмбх Защитный элемент

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2067467A (en) * 1980-01-11 1981-07-30 Beaumont D E A transaction card device having an electrical operated circuit
US5055662A (en) * 1988-08-31 1991-10-08 Kabushiki Kaisha Toshiba Portable information record medium having liquid crystal and photoconductive layers
US5122643A (en) * 1986-04-10 1992-06-16 Mitsubishi Denki Kabushiki Kaisha Ic card system
AU6112794A (en) * 1993-03-04 1994-09-26 Landis & Gyr Energy Management (Uk) Limited Smart card
AU4353099A (en) * 1998-08-11 2000-03-16 Citibank, N.A. Advanced plastic card for financial and informational transactions

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2067467A (en) * 1980-01-11 1981-07-30 Beaumont D E A transaction card device having an electrical operated circuit
US5122643A (en) * 1986-04-10 1992-06-16 Mitsubishi Denki Kabushiki Kaisha Ic card system
US5055662A (en) * 1988-08-31 1991-10-08 Kabushiki Kaisha Toshiba Portable information record medium having liquid crystal and photoconductive layers
AU6112794A (en) * 1993-03-04 1994-09-26 Landis & Gyr Energy Management (Uk) Limited Smart card
AU4353099A (en) * 1998-08-11 2000-03-16 Citibank, N.A. Advanced plastic card for financial and informational transactions

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2003089250A3 (fr) * 2002-04-19 2004-05-21 Giesecke & Devrient Gmbh Document de securite
EP1747906A3 (fr) * 2002-04-19 2007-08-22 Giesecke & Devrient GmbH Document sécurisé
AU2003227638B2 (en) * 2002-04-19 2007-10-11 Giesecke & Devrient Gmbh Security document
US7449212B2 (en) 2002-04-19 2008-11-11 Giesecke & Devrient Gmbh Security document
DE102004059798A1 (de) * 2004-12-10 2006-06-29 Ovd Kinegram Ag Optisch variables Element mit elektrisch aktiver Schicht
US8702005B2 (en) 2004-12-10 2014-04-22 Ovd Kinegram Ag Optically variable elements comprising an electrically active layer
RU2490140C2 (ru) * 2008-02-11 2013-08-20 Гизеке Унд Девриент Гмбх Защитный элемент

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