Data logging and transfer system using portable and resident units

• US 4,625,276 A
• Filed: 08/31/1983
• Issued: 11/25/1986
• Est. Priority Date: 08/31/1983
• Status: Expired due to Fees

• Current Assignee: Moneyfax Incorporated
• Original Assignee: Vericard, Inc. (Enabling Asia, Inc.)
• Inventors: Benton, William M., Mee, William W.
• Primary Examiner(s): Harkcom, Gary V.
• Application Number:
  US06/528,112
• Time in Patent Office: 1,182 Days
• Field of Search: 364/400-401, 364/403, 364/405-408, 364/413-415, 364/418, 364/200 MS File, 364/ 900 MS File, 235/379-381, 235/383, 235/491, 340/825.33
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/0658 e-cash managed locally
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4093 Monitoring of device authentication
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G07F 7/1016 Devices or methods for securing the PIN and other transaction-data, e.g. by encryption arrangements for secret communication, see H04L9/00

Abstract

A system for transferring electronic funds data includes portable modules (20) each having a display (24) and a keyboard (26) together with an optical interface (36) adapted to transfer electronic funds data to other modules either directly or over the telephone lines through resident units (62). The modules (20) are operable in either a credit mode or a debit mode using a selector switch (30). Prior to establishing communication, the module determines whether it is in communication with another module or with a resident unit, then undergoes a "handshaking" protocol to establish half-duplex, bidirectional communication, before funds are actually transferred. Transaction records are retained in a random access memory (44) within each module. The transaction records are periodically downloaded to a central computer, or printed locally to generate a hard copy. Other applications of the system include monitoring physiological data, maintaining work-time records and monitoring radiation dosage.

Claims

1. An electronic fund transfer system for enabling financial transactions to be carried out between either local or remote users, comprising a plurality of microprocessor controlled modules, each one of said modules including a housing carrying a display and a keyboard for manually entering electronic funds data, said housing containing microprocessor controlled circuitry including a memory, and a first optical interface coupled to the circuitry and extending through the housing to transfer electronic funds data bidirectionally directly with another one of said modules with said modules positioned adjacent each other with said first interfaces thereof in registration, and a plurality of resident units, each of said resident units including a housing having a receptacle to receive one of said portable modules and a second optical interface in said receptacle positioned in optical registration with the first interface of one of said modules seated in said receptacle to couple electronic funds transfer data bidirectionally with said one of said modules seated in said receptacle, said resident unit further including means for transferring data bidirectionally onto external communication lines;

and means for controlling electronic funds data transfer bidirectionally (1) directly between local portable modules via only said first optical interfaces thereof or (2) between remote portable modules, indirectly, along external communication lines through the resident units and via said first and second optical interfaces thereof.

2. An electronic funds transfer system for enabling financial transactions to be carried out between either local or remote users, comprising a plurlaity of microprocessor controlled modules, each one of said modules including a housing carrying a display and a keyboard for manually entering funds transfer data, said housing containing microprocessor controlled circuitry including a memory, and a first optical interface coupled to the circuitry and extending through the housing to transfer electronic funds data bidirectionally with another one of said modules with said modules positioned adjacent each other with the first interfaces therof in optical registration, and a plurality of resident units, each one of said resident units including a housing having a receptacle to receive one of said portable modules and further having a second optical interface in said receptacle positioned to be in registration with one of said modules seated in said receptacle for bidirectional electronic funds data transfer with a module seated in said receptacle, said resident unit further including means for transferring data bidirectionally onto external communication lines, and data protocol means in each of said microprocessor controlled modules for automatically determining whether said each of said modules is (1) in direct communication with another of said modules via only said first optical interfaces thereof or in indirect communication via said first and second optical interfaces thereof with another of said modules through resident units in which said modules are seated or (2) in communication with a resident unit.

3. The system as defined in claim 2, wherein each of said resident units includes means for generating an alternating binary code identification signal, and each of said portable modules includes means responsive to said alternating code signal for making said resident unit identification.

4. A system for accumulating and transferring data between either local or remote users, comprising a plurality of portable modules, each of said modules including a housing carrying a keyboard for manually entering data and a display, said housing containing microprocessor controlled circuitry including a memory, and a first optical interface external to said housing for coupling the data directly to the corresponding optical interface of another one of said portable modules with said modules positioned adjacent each other and the first interfaces thereof in optical registration;

a plurality of resident units, each of said resident units including a housing, a receptacle in the housing for receiving one of said portable modules and a second optical interface in said receptacle for communicating the data with a portable module seated in said receptacle with said first and second interfaces thereof in optical registration with each other;

means for transferring the data between resident units; and

means for controlling communication of the data (1) directly between portable modules via only said first optical interfaces or (2) between portable modules, indirectly, through resident units within which said portable modules are seated, via said first and second optical interfaces thereof.

5. The system of claim 4, including control means within the microprocessor circuitry of each said portable module to store plural data accumulated by the module via the first optical interface and keyboard.

6. The system of claim 5, wherein each said resident unit includes means for selectively downloading data stored in a portable module received therein to a central computer or to control a printer to provide a hard copy of said data.

7. The system of claim 4, wherein the data include electronic funds tranfer data, and said portable module includes switch means for storing transaction data in separate regions of said memory as a function of a credit mode or debit mode of operation selected by said switch means.

8. The system of claim 4, wherein each of said portable modules includes an input port for receiving data from an external source to be accumulated within said memory.