Non-contacting transaction system

• US 5,550,358 A
• Filed: 02/21/1995
• Issued: 08/27/1996
• Est. Priority Date: 01/31/1991
• Status: Expired due to Fees

• Current Assignee: International Transact Systems Management Limited
• Original Assignee: International Transact Systems Limited
• Inventors: Tait, Elizabeth M., Tait, Robert A. R.
• Primary Examiner(s): Hajec, Donald T.
• Assistant Examiner(s): FILIPEK, JEFFER
• Application Number:
  US08/392,023
• Time in Patent Office: 553 Days
• Field of Search: 235/379, 235/382, 235/375, 235/380, 235/472, 235/381
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• 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 20/4097 using mutual authentication between devices and transaction partners
• CPC Class Codes: G07B 15/02 taking into account a variable factor such as distance or time, e.g. for passenger transport, parking systems or car rental systems G07B15/06 takes precedence; taximeters G07B13/00; parking meters per se G07F17/24; car rental systems per se G07B15/00
• 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: G07G 1/0036 Checkout procedures

Abstract

A remote wireless transaction system has a hand-held transmitter which contains a digital memory device storing information unique to the user. The transmitter has a keypad to allow the user to key-in a unique PIN number, this PIN number also being stored in the transmitter. If the keyed-in PIN number corresponds to the stored PIN number the transmitter transmits the stored, user-unique, information. The system also includes a receiver which is arranged to receive the transmitted information and to log that information in a receiver memory. If the receiver information correlates with a valid user the transaction is completed. Communication between the transmitter and the receiver is exclusively one-way.

Claims

1. A non-contacting transaction system comprising,

transmitter means having a memory for storage of data identifying the user therein, and a wireless transmitter for transmitting the stored data to a remote location upon actuation of the transmitter means by the user, and

receiver means for receiving the transmitted data and also having indicator means for indicating that the data transmitted is received and that the transaction can proceed,

said transmitter means having no receiver to receive data from a remote location whereby said transmitter means only transmits data to said receiver means and said receiver means having no transmitter means for transmitting data to said transmitter means.

2. A system as claimed in claim 1 wherein the transmitter means includes a keypad for the user to insert details of a PIN number.

3. A system as claimed in claim 1 or claim 2 wherein the transmitter means includes a terminal coupled to said memory whereby the transmitter is coupled to a control means whereby the information in said memory is alterable.

4. A system as claimed in claim 2 wherein the transmitter includes a switch actuatable by the user which results in the stored data being continually transmitted or transmitted in bursts during the transmitting actuation.

5. A system as claimed in claim 1 wherein the receiver is coupled by a modem or the like over the telephone network to a central data processing and storage unit where details of the transactions are allocated to the user'"'"'s account for subsequent billing.

6. A system has claimed in claim 1 wherein the receiver includes disk storage means or other suitable mass storage means for storing validated transactions for subsequent despatching of the stored transaction data to the central data processing and storage unit at a later date.

7. A system as claimed in claim 1 wherein the receiver includes a display for displaying to the vendor the transmitted information.

8. A system as claimed in claim 1 wherein the receiver includes parity and code check means for rectifying the correctness of the received code prior to transmitting it to the modem.

9. A transmitter for use in a non-contacting transaction system, said transmitter comprising a memory for storing data identifying the user, a data transmitter coupled to the memory for wireless transmission of said stored data to a remote location, and switch means actable by the user for causing said stored data to be transmitted, said transmitter having no receiver for receiving data from a remote location, whereby said transmitted only transmits data from said data transmitter to said receiver means.

10. A transmitter as claimed in claim 9 wherein the transmitter includes a keypad for the user to insert details of a personal identification number (PIN), and said data being transmitted only if the correct PIN number is keyed in.

11. A transmitter as claimed in claim 9 or claim 10 wherein the transmitter includes a terminal coupled to the memory whereby the transmitter can be coupled to a control means to change the information in said memory.

12. A transmitter as claimed in claim 9 wherein the transmitter includes a plurality of keys representative of different user accounts and the user can nominate which account a transaction is to be attributed to by selecting the appropriate key.

13. A transmitter as claimed in claim 9 wherein the transmitter is an infra-red transmitter.

14. A transmitter as claimed in claim 9 wherein the transmitter may include a remote telephone console interfaced to said memory and keys whereby a user may remotely conduct a transaction using radio frequency communications or any part of the electro-magnetic spectrum for communications.

15. A receiver for use in a non-contacting transaction system, said receiver comprising a data receiver for receiving a wireless transmission from a user actuated remote transmitter means, means for indicating that the data has been received, means for processing the received data for display, means for verifying the correctness of the data received, and display means for displaying to a vendor details of the user stored in said transmitter means, the receiver having no transmitter for transmitting data to said transmitter means, whereby the receiver receives wireless transmitted data only from said transmitter means.

16. A receiver as claimed in claim 15 wherein the receiver is coupled to a card swipe machine.

17. A receiver as claimed in claim 15 or 16 wherein the receiver and/or card swipe machine are coupled to a cellular telephone network for receiving said data by radio frequency communication.

18. A receiver as claimed in claim 15 wherein the receiver is coupled by a modem or the like over the telephone network to a central data processing and storage unit where details of the transactions are allocated to the user'"'"'s account for subsequent billing.

19. A receiver as claimed in claim 15 wherein the receiver includes disk storage means or other suitable storage means for storing validated transactions for subsequent despatching of the stored transaction data to the central data processing and storage unit at a later date.