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WO2006111367A1 - Support collectif de donnees, sous forme de carte de credit - Google Patents

Support collectif de donnees, sous forme de carte de credit Download PDF

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Publication number
WO2006111367A1
WO2006111367A1 PCT/EP2006/003579 EP2006003579W WO2006111367A1 WO 2006111367 A1 WO2006111367 A1 WO 2006111367A1 EP 2006003579 W EP2006003579 W EP 2006003579W WO 2006111367 A1 WO2006111367 A1 WO 2006111367A1
Authority
WO
WIPO (PCT)
Prior art keywords
data
data carrier
collective
data records
credit card
Prior art date
Application number
PCT/EP2006/003579
Other languages
German (de)
English (en)
Inventor
Angelika Schmidt
Original Assignee
Angelika Schmidt
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 Angelika Schmidt filed Critical Angelika Schmidt
Publication of WO2006111367A1 publication Critical patent/WO2006111367A1/fr

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 OR CALCULATING; 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 OR CALCULATING; 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
    • G06Q20/355—Personalisation of cards for use
    • G06Q20/3552—Downloading or loading of personalisation data
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/3576—Multiple memory zones on card

Definitions

  • the present invention relates to an essentially credit card-shaped collective data carrier with a storage element on which data records can be stored, and a method therefor.
  • Such credit card-shaped data carriers are currently widely used. They are used, for example, as a credit card, EC card, health insurance card, shopping discount card, membership card and the like. They comprise at least one storage element, usually in the form of a magnetic strip, on which end-user-related data are stored. In addition to the magnetic stripe, further memory elements can be provided, for example in the form of a memory chip. With EC cards, such a memory chip is used, for example, to store monetary amounts on it, which can then be used as electronic means of payment. This memory chip is rewritable.
  • the already known trading cards can ensure that there is no unnecessarily high number of additional data carriers in addition to the credit card-type data carriers already available to the end user, but the total number of credit card-type data carriers already available in the end user's wallet cannot be reduced.
  • an essentially credit card-shaped sanitary data carrier which has at least one storage element.
  • the collective data carrier is designed such that a number of data records can be stored on it, which can be selected by an end user from a large number of data records stored on different, already existing, credit card-type data carriers.
  • the end user can therefore combine several of his credit card-shaped data carriers in the collective data carrier according to the invention, the compilation of the data records stored on the collective data carrier according to the invention being left to the end user. For example, he can save the data records from those data carriers on the collective data carrier according to the invention that he uses most frequently.
  • a vehicle collective data carrier on which data records with regard to vehicle insurance, ADAC membership, etc.
  • a “payback” collection medium on which discount records of various companies are stored, or the like.
  • the collective data carrier preferably has an interface via which the data records of the collective data carrier can be accessed.
  • the interface can not only be provided for reading the data records, but can also be used for processing the data records.
  • the interface can be a wireless interface based on short-range radio, infrared, optical communication or the like, but it can also have a contact field via which it can make electrical contact with a corresponding counter-unit in order to establish a communication connection in this way. Such contact fields are known, for example, in the field of money cards.
  • the total number of credit card-shaped data carriers of the end user can be reduced with the help of the collective data carrier according to the invention
  • the collective data carrier according to the invention can be adapted to the individual needs of the end user, namely by himself.
  • data records from credit card-shaped data carriers that are already available to the end user can be copied onto the at least one storage element of the collective data carrier according to the invention, that is to say can be transferred unchanged from the credit card shaped data carriers to the collective data carrier according to the invention. In this way, the functional reliability of the collective data carrier according to the invention is increased during later use.
  • the collective data carrier can have one or more storage elements, wherein the individual storage elements can be different. These can be magnetic strips, memory chips or the like.
  • the storage elements can be designed in such a way that only one special data format or a large number of different data formats can be stored on and read out from each storage element.
  • a storage element can also be provided on the credit card-shaped data collection medium for different data formats.
  • At least one memory element preferably has a security area, which is protected, for example, by a PIN code or the like.
  • the storage element has a display device, which provides the end user, for example, with information about the remaining storage volume on the collective data carrier.
  • At least one memory element is preferably rewritable, so that the data records present on this memory element can be exchanged or overwritten.
  • the collective data carrier have an energy supply unit.
  • This can consist, for example, in a battery and / or accumulator cell or cell arrangement, but it can also have solar cells, thermoelectric energy sources and the like.
  • the trading card according to the invention has an input and / or display unit by means of which the stored data records can be displayed and, if necessary, processed. For example, it can be provided that data records are swapped in order of priority when they are displayed. In this way, increased user individuality can be achieved.
  • the collection card has a sensor unit for recording biometric data of an authorized user.
  • the sensor unit can be formed, for example, by a simple temperature detection, which makes it possible to determine whether the collection card is being held by a user.
  • other biometric data such as fingerprint, temperature profile and the like can also be queried.
  • the sensor unit and the biometric data to be checked are preferably adapted to the data processing capacity of the trading card. For example, temperature change profiles can be recorded with a comparatively low data processing effort, whereas fingerprints require a significantly increased effort.
  • the present invention provides a device with which the at least one storage element of the collective data carrier according to the invention can be written and / or read out.
  • This device is preferably also designed such that data records can be read from credit card-shaped data carriers, so that the reading out of credit card-shaped data carriers already available to the end user and the dubbing the corresponding data records can be made on the collective data carrier according to the invention with the aid of a single device.
  • the device according to the invention can preferably be connected to or integrated into a home computer.
  • the device according to the invention can of course also be designed as a publicly accessible computer terminal.
  • the present invention provides a method for handling the essentially credit card-shaped collective data carrier according to the invention, which has the steps: end user selecting data records stored on existing credit card-shaped data carriers, reading out and possibly editing these data records and storing the data records on the at least one storage element of the collective data carrier according to the invention.
  • the data records can be stored, for example, in a batch process on the memory element according to the invention and, for example in sequence, can be provided with an identification number.
  • a data record is then selected from the collective data carrier by selecting the identification number in a corresponding menu. If the selected data record is stored in a security area of the storage element, then, for example, a PIN code must first be entered before the data record can be accessed.
  • the collective data carrier according to the invention can also be designed such that it must be activated before each use.
  • the collection card according to the invention can be activated, for example, via an additional activation device, which is also the subject of the present invention.
  • the activation device comprises at least one memory element, an input device, for example in the form of a keyboard, at least one energy source, e.g. B. a battery or a solar cell, a display device in the form of a display or the like, a processing unit for processing the input and / or stored data, and a security device which queries a coding in the form of a number code, fingerprint or the like.
  • an input device for example in the form of a keyboard
  • at least one energy source e.g. B. a battery or a solar cell
  • a display device in the form of a display or the like
  • a processing unit for processing the input and / or stored data
  • a security device which queries a coding in the form of a number code, fingerprint or the like.
  • the activation device enables data records, and thus transactions based on these data records, to be released as required.
  • a data record which is intended for the use of passenger transport means of a ski area and has a limited period of validity is only activated on the day of the first use. In this way, the maximum service life can be achieved.
  • certain data records are only activated for a certain time or that the activation of a data record is also canceled.
  • the activation device can also be in communication with a data network such as the Internet or the like. Therefore, according to a further proposal of the invention, the activation device can have a communication connection to a data network.
  • a data network such as the Internet or the like. Therefore, according to a further proposal of the invention, the activation device can have a communication connection to a data network.
  • the trading card can be used for electronic payment transactions, preferably for those that are processed via direct debit. This makes it easier to use the trading card according to the invention, because approval procedures and the like can be significantly simplified and are therefore less expensive.
  • the activation device advantageously has the form of a trading card protective cover, which is made of plastic, for example.
  • a predetermined code stored in the security device must be entered into the security device of the activation device via the input device. This can advantageously be done by scanning the fingerprint of the trading card holder when the trading card is removed from the activation device and comparing it with a fingerprint stored in the storage element. If the fingerprints match, the trading card is activated automatically.
  • the security device of the activation device can query several codes, for example, in addition to the fingerprint, a further numerical code, which preferably has six digits.
  • the subsequent deactivation of the collective data carrier after use is then preferably carried out automatically.
  • the present invention provides a computer program for carrying out the method according to the invention. It should be clear that the collective data carrier according to the invention can be handled in everyday use like a conventional credit card-type data carrier.
  • the corresponding data records in contrast to conventional credit card-shaped data carriers, can optionally also be stored directly on the collective data carrier according to the invention if a corresponding writing device is available.
  • the end user is therefore not given another card, but the end user makes his trading card available for storing data records.
  • This has the advantage that no further storage space is lost in the end user's wallet.
  • the end user can also initially take the new data carrier with them and then copy the corresponding data records to the collective data carrier according to the invention at a later time.
  • the invention also proposes a method for use with the collective data carrier according to the invention, according to which a number of transaction-related data records are stored in a user-selectable manner in a storage element of the collective data carrier.
  • a number of transaction-related data records are stored in a user-selectable manner in a storage element of the collective data carrier.
  • the possibility is created that the user can individually set or specify the data records stored on his collective data carrier. He can thus determine which data records are to be stored in the collective data carrier. This ultimately gives the user control over which data records are available for their transactions. In advance, he can compile data sets for certain uses or applications, the use of which is expected for a possible transaction.
  • the data records can be, for example, for bonus systems, discount systems, time cards for service systems, in particular in the area of public transport, and the like.
  • the transaction can consist, for example, of triggering a payment transaction. However, it can also consist only of access authorization, for example in the case of a transponder barrier or the like. Of course, different transactions can also be combined with one another.
  • the user selects the data record that he would like to have used for the transaction. This is particularly advantageous if several data records for the transaction in Question come. In this case, the user can select the one that is cheapest for him.
  • a user-defined data record is added, deleted and / or deactivated. Accordingly, the user can update his or her data carrier at regular intervals or continuously. He can delete records that are no longer required or add new records. This further increases the flexibility of the collective data carrier. Of course, he can also delete data records that are no longer required or deactivate data records that he does not want to use for a certain period of time. In this way it can be avoided that an unwanted data record is incorrectly used for a transaction.
  • the data record be copied.
  • a data record is copied from a card that has already been issued to the trading card.
  • This also transfers authorizations and functionalities so that the collective data carrier can replace the card from which the data record was copied. In this way, the number of separate cards can be reduced.
  • the data records are processed by means of a computer and / or a machine via an internet platform.
  • the processing of the data records of the collective data carrier can be carried out at home using a computer (PC).
  • PC computer
  • an automatic machine is provided at a sales and / or service point with which the corresponding processing can be carried out by the user.
  • An internet platform is preferably provided for this purpose, which is called up by the computer or the machine for this purpose.
  • the call of the internet platform displays products and services that can be selected by the user and for which corresponding data records can be stored on the collective data carrier.
  • the internet platform can have suitable menu guidance means, for example to facilitate the selection for the user. Search functions can also be provided which enable the user to search specifically for products and services which he wishes to select.
  • a data record triggers a payment transaction.
  • This can consist, for example, of a direct debit authorization or a transfer order or the like.
  • a payment transaction can consist, for example, of a direct debit authorization or a transfer order or the like.
  • the data set can also open up other options, such as the authorized use of public transport.
  • a data record be activated. This makes it possible to provide data records with a usage time window. This can be activated individually at the request of the user, so that the user can freely choose and determine the full period of use. This is advantageous, for example, for means of transport such as an electronic ski pass, an electronic ticket and the like.
  • a transaction be carried out using a computer and / or an internet platform. It can thus be provided that at the point at which the use is to take place, an automat is provided at which an activation for a desired data record can be carried out. This allows the area of application and the individuality of the data carrier to be further improved.
  • the possible transaction-related data records are displayed so that they can be selected before activating a transaction.
  • This enables the user to individually decide which data set he would like to consult for a transaction.
  • the user chooses the one that brings the greatest advantage for him from his personal point of view.
  • these advantages vary so that the decision can also be made dependent on the personal needs of the user.
  • the display can take place, for example, on a monitor, a flat screen or the like, which is provided on the computer or machine.
  • a touch screen has proven to be particularly advantageous, with which inputs relating to the selection can also be made at the same time.
  • a separate keypad can also be provided for this, with which the necessary inputs can be triggered.
  • access to the data records is protected. This can be done, for example, by means of the PIN codes mentioned at the outset, usually in the form of alpha-numeric character strings, or else in conjunction with biometric data. It can be provided that access to the data records is only released if the check of the corresponding authorization delivers a positive result.
  • the data records are encrypted. In this way it can be achieved that the data records of the collective data carrier cannot be easily read out and used in an unauthorized manner. This is particularly advantageous if the collective data carrier falls into the hands of unauthorized third parties with the intention of using the collective data carrier to the disadvantage of the user.
  • Known encryption algorithms can be used for this purpose, such as those that allow high encryption security using large prime numbers and the like.
  • the order of use for an automatic transaction is determined. For example, it can be provided that a required data record of the collective data carrier is automatically selected for a transaction. If several data records are suitable for this transaction, it can be provided that the user specifies a priority for each use. When the transaction is executed automatically, the data record with the highest priority is selected first. The priority can be set individually for each user.
  • the user can obtain the collective data carrier via mail order, internet trade and the like.
  • Each collective data carrier can be provided with its own identification number, which requires separate activation so that the collective data carrier becomes active.
  • the user can call up the Internet platform of the service provider of the collective data carrier via his computer connected to the Internet or a machine that is also connected to the Internet and initiate the activation of his collective data carrier via selectable menu items.
  • the collective data carrier is preferably in communication connection with the computer or the machine, so that the identification number of the collective data carrier and the input of the user can be verified at the same time.
  • the release can be stored on the collective data carrier. It is preferably stored, for example, at a central point in the operator of the collective data carrier system.
  • the storage can be viewed and changed by the user at any time via the internet platform.
  • this also applies to other data records that are or are to be stored on the collective data carrier.
  • a data record for executing transactions of a branded fuel chain can be stored on the collective data carrier, which enables the user to carry out his payment transactions at corresponding petrol stations of this brand network using the collective data carrier.
  • it is also possible to add additional functions.
  • the user orders and pays admission tickets for a cultural performance via the internet platform and unlocks them at the beginning of the performance via the internet platform.
  • Access to the event can be provided, for example, via a separate transponder barrier, which also has a corresponding machine.
  • the user only has to insert his collective data carrier and can immediately pass the barrier through which he gains access to the performance. Long, time-consuming queues can be avoided.
  • the user provides his own authorization code on the collective data carrier, which must be entered each time it is activated or used. Provision can also be made for the authorization code to be entered only for selected transactions or uses, for example if a certain value is exceeded or the like.

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Credit Cards Or The Like (AREA)

Abstract

L'invention concerne un support collectif de données, sensiblement sous forme de carte de crédit, comportant au moins un élément de mémorisation. Ledit support collectif de données se présente de manière qu'un nombre de jeux de données puisse être stocké dessus, lesdits jeux de données pouvant être sélectionnés par un utilisateur final, parmi une pluralité de jeux de données mémorisés dans chaque cas sur différents supports de données, sous forme de carte de crédit, d'ores et déjà présents.
PCT/EP2006/003579 2005-04-19 2006-04-19 Support collectif de donnees, sous forme de carte de credit WO2006111367A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE102005017997.5 2005-04-19
DE200510017997 DE102005017997A1 (de) 2005-04-19 2005-04-19 Kreditkartenförmiger Sammeldatenträger

Publications (1)

Publication Number Publication Date
WO2006111367A1 true WO2006111367A1 (fr) 2006-10-26

Family

ID=36682470

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/EP2006/003579 WO2006111367A1 (fr) 2005-04-19 2006-04-19 Support collectif de donnees, sous forme de carte de credit

Country Status (2)

Country Link
DE (1) DE102005017997A1 (fr)
WO (1) WO2006111367A1 (fr)

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5585787A (en) * 1991-12-09 1996-12-17 Wallerstein; Robert S. Programmable credit card
US20010013551A1 (en) * 1998-04-17 2001-08-16 Diebold, Incorporated Portable automated banking apparatus and system
EP1508883A2 (fr) * 2003-08-21 2005-02-23 International Business Machines Corporation Système d'automatisation d'applications de carte de crédit

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5585787A (en) * 1991-12-09 1996-12-17 Wallerstein; Robert S. Programmable credit card
US20010013551A1 (en) * 1998-04-17 2001-08-16 Diebold, Incorporated Portable automated banking apparatus and system
EP1508883A2 (fr) * 2003-08-21 2005-02-23 International Business Machines Corporation Système d'automatisation d'applications de carte de crédit

Also Published As

Publication number Publication date
DE102005017997A1 (de) 2006-10-26

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