WO2000073985A1 - Universal teller machine in 3-1/2 inch floppy disk case - Google Patents
Universal teller machine in 3-1/2 inch floppy disk case Download PDFInfo
- Publication number
- WO2000073985A1 WO2000073985A1 PCT/US2000/014591 US0014591W WO0073985A1 WO 2000073985 A1 WO2000073985 A1 WO 2000073985A1 US 0014591 W US0014591 W US 0014591W WO 0073985 A1 WO0073985 A1 WO 0073985A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- housing
- smart chip
- information
- read head
- disposed
- Prior art date
Links
Classifications
-
- 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
- G06K7/0004—Hybrid readers
-
- 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
- G06K7/0021—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 for reading/sensing record carriers having surface contacts
-
- 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
- G06K7/08—Methods or arrangements for sensing record carriers, e.g. for reading patterns by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
- G06K7/082—Methods or arrangements for sensing record carriers, e.g. for reading patterns by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes using inductive or magnetic sensors
- G06K7/083—Methods or arrangements for sensing record carriers, e.g. for reading patterns by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes using inductive or magnetic sensors inductive
- G06K7/084—Methods or arrangements for sensing record carriers, e.g. for reading patterns by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes using inductive or magnetic sensors inductive sensing magnetic material by relative movement detecting flux changes without altering its magnetised state
Definitions
- the invention relates generally to electronic devices, and more particularly to a UTM machine that can be inserted into a computer's 3-1/2 inch disk drive.
- Cards and debit cards have magnetic stripes that contain the cardholder's personal information; e.g., name and card account number.
- Debit cards can be used at these locations by swiping the card through the reader and entering a personal identification number (PIN) into the reader's keypad.
- PIN personal identification number
- Adequate security is achieved by a secure communications connection between the reader and a remote computer/server and by the cardholder possessing a debit card that can be read by the reader and knowing the PIN associated with the card.
- Credit cards can be used at these same locations by the cardholder signing a document for comparison by a clerk to a signature on the back of the card.
- Adequate security is achieved by the cardholder possessing a card that appears to the clerk to be authentic and being able to produce a signature that matches the signature on the back of the card.
- the smart chip stores a unique identification code that cannot be read but which can be used with encryption to prove the identification of the chip to a remote computer/server across a communications line.
- encryption of this code provides a secure identification of the computer.
- the owner of the host computer can be held responsible for its use. Entry of a PIN at a keyboard connected to the host computer may also be required. With the ability to prove which host computer placed a communication for a financial transaction and that a particular PIN was used, adequate security will be achieved for many financial transactions.
- Each smart card would include a smart chip as described above.
- the smart card is guarded by its owner like a key.
- the person who possesses the smart card is presumed to be its proper owner. Entry of a PIN at a keyboard connected to the host computer to which the smart card reader is also connected can also be required.
- an electronic device includes a 3-1/2-inch floppy-disk shaped housing with a slot, a thin magnetic read head, a disk drive communications transducer, and a processing circuit disposed within the housing.
- the slot receives a card having a magnetic stripe that stores information, and the magnetic read head reads the information stored on the stripe.
- the processing circuit receives the information read by the read head and provides processed information to the transducer.
- the processing circuit includes a smart chip for performing security functions which provides a unique identification code to the transducer.
- the smart chip is contained in a removable SIM (Subscriber Identification Module) which inserted into a SIM port within the device.
- SIM Subscriber Identification Module
- the smart chip may be embedded in the device.
- a smart chip includes security circuitry that can facilitate security functions, such as authentication, encryption and decryption, digital signatures, unique identification code storage and other well known smart chip functions.
- the smart chip provides authentication to a remote server across a network by confirming a unique identification to the remote server without revealing to the local computer or any intervening device in the communications link enough information that, if captured, can be used to imitate the smart chip.
- Another aspect of the invention provides for direct input of user known information, such as a PIN, via a keypad on the surface of the device. This allows the PIN to be entered into the smart chip without being transmitted to the PC where it could be intercepted by unauthorized software running on the PC. Communications between the device and the user, such as prompts and process confirmations for instance, are provided via a display, such as a liquid crystal display (LCD) or an LED array, and/or audible means such as a tone or speech generator.
- LCD liquid crystal display
- audible means such as a tone or speech generator.
Abstract
Description
Claims
Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
AU52961/00A AU5296100A (en) | 1999-05-28 | 2000-05-26 | Utm machine in 3-1/2 inch floppy disk case |
EP00937838A EP1198782A1 (en) | 1999-05-28 | 2000-05-26 | Utm machine in 3-1/2 inch floppy disk case |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US32266999A | 1999-05-28 | 1999-05-28 | |
US09/322,669 | 1999-05-28 |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2000073985A1 true WO2000073985A1 (en) | 2000-12-07 |
WO2000073985A9 WO2000073985A9 (en) | 2001-06-28 |
Family
ID=23255902
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US2000/014591 WO2000073985A1 (en) | 1999-05-28 | 2000-05-26 | Universal teller machine in 3-1/2 inch floppy disk case |
Country Status (3)
Country | Link |
---|---|
EP (1) | EP1198782A1 (en) |
AU (1) | AU5296100A (en) |
WO (1) | WO2000073985A1 (en) |
Citations (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5159182A (en) * | 1988-12-12 | 1992-10-27 | Smartdiskette Gmbh | Smart data storage device |
US5471038A (en) * | 1991-10-08 | 1995-11-28 | Smart-Diskette Gmbh | Smart-diskette read/write device having fixed head |
US5663553A (en) * | 1995-09-27 | 1997-09-02 | Intel Corporation | Mass storage device adapter for smart cards |
-
2000
- 2000-05-26 WO PCT/US2000/014591 patent/WO2000073985A1/en not_active Application Discontinuation
- 2000-05-26 EP EP00937838A patent/EP1198782A1/en not_active Withdrawn
- 2000-05-26 AU AU52961/00A patent/AU5296100A/en not_active Abandoned
Patent Citations (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5159182A (en) * | 1988-12-12 | 1992-10-27 | Smartdiskette Gmbh | Smart data storage device |
US5471038A (en) * | 1991-10-08 | 1995-11-28 | Smart-Diskette Gmbh | Smart-diskette read/write device having fixed head |
US5663553A (en) * | 1995-09-27 | 1997-09-02 | Intel Corporation | Mass storage device adapter for smart cards |
Also Published As
Publication number | Publication date |
---|---|
EP1198782A1 (en) | 2002-04-24 |
WO2000073985A9 (en) | 2001-06-28 |
AU5296100A (en) | 2000-12-18 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
KR102416954B1 (en) | Methods for prepaid, debit and credit card security code generation systems | |
US5475756A (en) | Method of authenticating a terminal in a transaction execution system | |
US8376223B2 (en) | Method and apparatus for securely activating a credit card for a limited period of time | |
US8151335B2 (en) | Proxy authentication methods and apparatus | |
US6983882B2 (en) | Personal biometric authentication and authorization device | |
US5036461A (en) | Two-way authentication system between user's smart card and issuer-specific plug-in application modules in multi-issued transaction device | |
US4961142A (en) | Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer | |
US4357529A (en) | Multilevel security apparatus and method | |
ES2230897T3 (en) | TERMINAL WITH BIOMETRIC IDENTITY CONTROL. | |
US7690580B2 (en) | Transaction cards having dynamically reconfigurable data interface and methods for using same | |
US7837121B2 (en) | Secure credit card adapter | |
CN1344396B (en) | Portable electronic charge and authorization devices and methods therefor | |
EP2038227B1 (en) | System and method for activating telephone-based payment instrument | |
CN1307594C (en) | Payment system | |
US4304990A (en) | Multilevel security apparatus and method | |
EP2287783A1 (en) | Electronic credit card - ECC | |
GB2261538A (en) | Transaction authentication system | |
EP2580722A1 (en) | Method and apparatus for securely activating a credit card for a limited period of time | |
US20200090161A1 (en) | Payment devices using optical codes | |
WO2000073985A1 (en) | Universal teller machine in 3-1/2 inch floppy disk case | |
US20150100444A1 (en) | Portable device for financial transactions | |
Read | EFTPOS: electronic funds transfer at point of sale | |
KR20030052766A (en) | User certification method for financial terminal equipment | |
Mackinnon et al. | Smart cards: A case study | |
KR20050034266A (en) | User authenticating and electronic banking system using fingerprint information encoded with 2-dimentional bar code and user authenticating and electronic banking method using thereof |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
AK | Designated states |
Kind code of ref document: A1 Designated state(s): AE AL AM AT AU AZ BA BB BG BR BY CA CH CN CU CZ DE DK EE ES FI GB GD GE GH GM HR HU ID IL IN IS JP KE KG KP KR KZ LC LK LR LS LT LU LV MD MG MK MN MW MX NO NZ PL PT RO RU SD SE SG SI SK SL TJ TM TR TT UA UG US UZ VN YU ZA ZW |
|
AL | Designated countries for regional patents |
Kind code of ref document: A1 Designated state(s): GH GM KE LS MW MZ SD SL SZ TZ UG ZW AM AZ BY KG KZ MD RU TJ TM AT BE CH CY DE DK ES FI FR GB GR IE IT LU MC NL PT SE BF BJ CF CG CI CM GA GN GW ML MR NE SN TD TG |
|
121 | Ep: the epo has been informed by wipo that ep was designated in this application | ||
DFPE | Request for preliminary examination filed prior to expiration of 19th month from priority date (pct application filed before 20040101) | ||
AK | Designated states |
Kind code of ref document: C2 Designated state(s): AE AL AM AT AU AZ BA BB BG BR BY CA CH CN CU CZ DE DK EE ES FI GB GD GE GH GM HR HU ID IL IN IS JP KE KG KP KR KZ LC LK LR LS LT LU LV MD MG MK MN MW MX NO NZ PL PT RO RU SD SE SG SI SK SL TJ TM TR TT UA UG US UZ VN YU ZA ZW |
|
AL | Designated countries for regional patents |
Kind code of ref document: C2 Designated state(s): GH GM KE LS MW MZ SD SL SZ TZ UG ZW AM AZ BY KG KZ MD RU TJ TM AT BE CH CY DE DK ES FI FR GB GR IE IT LU MC NL PT SE BF BJ CF CG CI CM GA GN GW ML MR NE SN TD TG |
|
COP | Corrected version of pamphlet |
Free format text: PAGE 1, DESCRIPTION, REPLACED BY A NEW PAGE 1; DUE TO LATE TRANSMITTAL BY THE RECEIVING OFFICE (WITH AN UPDATED VERSION OF THE PAMPHLET FRONT PAGE) |
|
WWE | Wipo information: entry into national phase |
Ref document number: 2000937838 Country of ref document: EP |
|
REG | Reference to national code |
Ref country code: DE Ref legal event code: 8642 |
|
WWP | Wipo information: published in national office |
Ref document number: 2000937838 Country of ref document: EP |
|
WWW | Wipo information: withdrawn in national office |
Ref document number: 2000937838 Country of ref document: EP |
|
NENP | Non-entry into the national phase |
Ref country code: JP |