Registers – Systems controlled by data bearing records – Credit or identification card systems
Patent
1996-03-22
1997-05-27
Pitts, Harold
Registers
Systems controlled by data bearing records
Credit or identification card systems
235379, 235487, 235492, G06K 500
Patent
active
056334850
DESCRIPTION:
BRIEF SUMMARY
BACKGROUND OF THE INVENTION
1. Field of the Invention
The present invention relates to an arrangement with a card which can be used in initiating a value transaction and which can be read in card-reading equipment which provides information and/or means in dependence on the initiation.
2. Discussion of the Background
Such cards are well known per se and are utilized in connection with paying for goods and services. The cards can also be used in cash-dispensing equipment of the Bankomat, Minuten, etc. type. The cards occur as payment cards in various connections and can also constitute petrol cards, food-stuff cards and so forth. The card can be provided with intelligence to a greater or lesser extent. When the card is used, the card is identified by the card-reading equipment which, depending on whether the card is acceptable, supplies information, provides means, confirms transactions and so forth. Such cards and card-reading equipment are already well known and occur in large numbers on the market.
The card-reading equipment always verifies whether the card can be accepted for a transaction or not. In contrast, there is normally no corresponding control on the part of the card as to whether the card-reading equipment is acceptable on the part of the card owner. It is important to be able to provide equipment which makes such an authenticity check possible on the part of the card. In such a check it is also important that the card equipment does not retain the card for it to be utilized in an improper way.
SUMMARY OF THE INVENTION
It is the object of the invention to solve these problems, among others.
That which can mainly be considered to be characterizing of an arrangement according to the invention is that an adapter can be applied or allocated to the card, which adapter, in turn, can be applied in a corresponding manner to the card in the card-reading equipment. A further characteristic is that the adapter is arranged to provide an indication of the authenticity of the card-reading equipment and of its authority to service the card in question. In further developments of the concept of the invention, the adapter carries a slot for receiving the card and a plate-shaped part for enabling the adapter to be inserted into the slot of the card-reading equipment with the received card. The inbuilt intelligence of the card, that is to say the circuits, microprocessor and so forth which exert this intelligence, can participate wholly or partially in a procedure determining the authenticity or authority of the card-reading equipment. Alternatively or as a supplementary measure, the adapter can comprise circuits and elements exercising intelligence. The adapter also comprises energy-supplying and indicating elements. The adapter can thus comprise microprocessor elements with associated space. In one embodiment, the adapter is designed in such a manner that the determination of authenticity and authority can be done by means of the adapter alone, that is to say the card does not need to be placed in the adapter. In this case, the adapter thus does not need to include any card-receiving element either, for example in the form of slots or the like.
In a preferred embodiment, the adapter is designed to be flexible, which means that, in principle, it can be carried by a card user.
ADVANTAGES
That which has been proposed above provides a simple possibility for each card user to check whether the particular terminal in which the card is to be used is authentic or not. The card can thus be protected against improper sequestration or utilization of information on the card or other information such as, for example, the PIN code which is provided by the card owner to the card reader/terminal. The present card embodiments can also be retained for the said authentication or determination of authority. The card does not need to be designed with its own indicating elements or own battery supply, which considerably complicate the card construction.
BRIEF DESCRIPTION OF THE DRAWINGS
A presently proposed embodiment of
REFERENCES:
patent: 4277837 (1981-07-01), Stuckert
patent: 4634845 (1987-01-01), Hale et al.
Pitts Harold
Telia AB
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