Smart card issuing and receiving apparatus

• US 4,968,873 A
• Filed: 02/27/1989
• Issued: 11/06/1990
• Est. Priority Date: 09/08/1987
• Status: Expired due to Fees

• Current Assignee: Juergen Dethloff
• Original Assignee: Juergen Dethloff
• Inventors: Dethloff, Juergen, Hinneberg, Christian
• Primary Examiner(s): Levy, Stuart S.
• Assistant Examiner(s): WEINHARDT, ROBERT A
• Application Number:
  US07/316,233
• Time in Patent Office: 617 Days
• Field of Search: 235/375, 235/379, 235/380, 235/381, 235/487, 235/492, 235/384, 340/825.33, 340/825.35, 902/11, 902/13, 902/20, 902/21, 902/25, 902/26, 364/401, 364/408, 364/409
• US Class Current: 235/380
• CPC Class Codes: G06K 7/006 the housing being a portable casing
• 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 20/355 Personalisation of cards for use
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

An apparatus for issuing a transaction card comprises a value receiving mechanism in the form of a card reader or a bank note acceptor or both. The apparatus includes a memory for storing the exchange rate for a plurality of currencies as compared to a local visitor'"'"'s voucher which can be issued by the apparatus. A mechanism is also provided for storing a maximum transaction limit corresponding to a selected number of visitor'"'"'s vouchers, which in turn corresponds to value of currency received. The transaction card is advantageously a smart card or chip card, which carries a program mechanism and central processing unit for manipulating the values which can be stored in the card.

Claims

1. An apparatus and transaction card combination comprising:

a currency value memory for storing exchange rates of a plurality of currencies as compared to a number of visitor'"'"'s vouchers that are issuable by said apparatus;

means for receiving and for detecting the value of any one of said currencies;

storing means connected to said currency value memory means for calculating a selected number of visitor'"'"'s vouchers which corresponds to a value of the currency received, and for storing the selected number as a transaction value limit in a transaction card;

code selection means for selecting a unique cardholder personal enabling code, said storing means operating to store said selected cardholder personal enabling code in said transaction card;

card dispensing means for dispensing said transaction card after the transaction value limit and the cardholder personal enabling code have been stored therein; and

said transaction card dispensable by said card dispensing means comprising a programmable cardholder memory means for storing the cardholder personal enabling code;

authenticity checking means for authenticating a personal enabling code as corresponding to the stored cardholder personal enabling code for permitting a cardholder to conduct activities with said transaction card; and

a programmable cardholder memory for storing the selected number of visitor'"'"'s vouchers corresponding to the transacting value limit in said transaction card.

2. An apparatus and transaction card combination comprising:

a currency value memory for storing exchange rates of a plurality of currencies as compared to a number of visitor'"'"'s vouchers that are issuable by said apparatus;

means for receiving and for detecting the value of any one of said currencies;

storing means connected to said currency value memory means for calculating a selected number of visitor'"'"'s vouchers which corresponds to a value of the currency received, and for storing the selected number as a transaction value limit in a transaction card;

card dispensing means for dispensing the card after the transaction value limit has been stored therein;

a transaction card return device comprising transaction card receiving means for receiving and reading said transaction card;

program means connected to said card receiving means for calculating an unused balance of the transaction value limit stored in said transaction card; and

value returning means connected to said program means for returning a value of currency corresponding to the remaining transaction value limit.

3. An apparatus according to claim 2 including authenticity checking means connected to said program means for receiving a cardholder personal enabling code and for comparing the personal enabling code to a stored personal enabling code in said transaction card, for activating one of said program means and said value returning means.

4. An apparatus and transaction card combination comprising:

a currency value memory for storing exchange rates of a plurality of currencies as compared to a number of visitor'"'"'s vouchers that are issuable by said apparatus;

means for receiving and for detecting the value of any one of said currencies;

storing means connected to said currency value memory means for calculating a selected number of visitor'"'"'s vouchers which corresponds to a value of the currency received, and for storing the selected number as a transaction value limit in a transaction card;

card dispensing means for dispensing the card after the transaction value limit and a cardholder personal enabling code have been stored therein; and

a transaction card which comprises cardholder memory means for storing a cardholder personal enabling code;

programmable sub-user memory means for storing a sub-user personal enabling code;

program means for programming said programmable sub-user memory means with at least one selected sub-user personal enabling code; and

authenticity checking means for authenticating a personal enabling code as corresponding to the stored cardholder personal enabling code and permitting access to said program means for programming said sub-user memory means, said authenticity checking means also authenticating a personal enabling code as corresponding to a sub-user personal enabling code stored in said sub-user memory means.

5. An apparatus for issuing a transaction card comprising:

a currency value memory for storing exchange rates of a plurality of currencies as compared to a number of visitor'"'"'s vouchers that are issuable by said apparatus;

storing means connected to said currency value memory means for calculating a selected number of visitor'"'"'s vouchers which corresponds to a value of currency received, and for storing the selected number as a transaction value limit in a transaction card;

card dispensing means for dispensing the card after the transaction value limit has been stored therein; and

value receiving and detecting means connected to said storing means for receiving a value of currency in any one of the plurality of currencies, said value receiving and detecting means comprises a card reader for reading the value of currency from a visitor'"'"'s card, and a note receiver for receiving and reading the value of currency in currency notes.

6. An apparatus according to claim 5 including a keypad connecting to said value receiving means for inputting the value of currency to be received by said value receiving means, and a currency selection keypad connected to said currency value memory for selecting the currency from among the plurality of currencies in the currency value memory.

7. An apparatus for an operator to issue a transaction card to a cardholder comprising:

a currency value memory for storing exchange rates of a plurality of currencies as compared to a number of visitor'"'"'s vouchers that are issuable by said apparatus;

means for receiving from a customer and for detecting the value of any one of said currencies;

storing means connected to said currency value memory means for calculating a selected number of visitor'"'"'s vouchers which corresponds to a value of the currency received from the cardholder, and for storing the selected number as a transaction value limit in a transaction card;

code selection means positioned to be accessible by the cardholder for selecting a unique cardholder personal enabling code, said selection means not being accessible to the operator, said storing means operating to store said selected cardholder personal enabling code in said transaction card; and

card dispensing means for dispensing the card to the cardholder after the transaction value limit and code have been stored therein.

8. An apparatus according to claim 7 wherein said code selection means comprises a keypad which is positioned to be accessible by the cardholder and to be inaccessible by the operator when operating the apparatus.

9. An apparatus according to claim 8 including a second keypad and display which is positioned to be accessible by the operator when operating the apparatus, and to be inaccessible by the cardholder.