Methods and arrangements for a smart card wallet and uses thereof

• US 6,250,557 B1
• Filed: 08/25/1998
• Issued: 06/26/2001
• Est. Priority Date: 08/25/1998
• Status: Expired due to Term

• Current Assignee: Telefonaktiebolaget LM Ericsson
• Original Assignee: Telefonaktiebolaget LM Ericsson
• Inventors: Beckman, Hans, Forslund, Pär
• Primary Examiner(s): Lee, Michael G.
• Assistant Examiner(s): LE, UYEN CHAU N
• Application Number:
  US09/139,552
• Time in Patent Office: 1,036 Days
• Field of Search: 235/492, 235/375, 235/379, 235/380, 235/383, 235/451, 235/472.01, 235/472.02, 379/55, 379/56, 379/58
• US Class Current: 235/492
• CPC Class Codes: G06K 17/0022 arrangements or provisious for transferring data to distant stations, e.g. from a sensing device "transfer between computer elements G06F13/00 "; data-transmission H04L
• CPC Class Codes: G06K 19/005 the record carrier comprising an arrangement to facilitate insertion into a holding device, e.g. an arrangement that makes the record carrier fit into an etui or a casing ticket holders A45C11/18
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/229 Hierarchy of users of accounts
• 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 20/353 Payments by cards read by M-devices
• CPC Class Codes: G06Q 20/3572 Multiple accounts on card
• CPC Class Codes: G06Q 20/3574 Multiple applications on card
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• 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
• CPC Class Codes: H04W 8/26 Network addressing or numbering for mobility support
• CPC Class Codes: H04W 84/10 Small scale networks; Flat hierarchical networks
• CPC Class Codes: H04W 88/04 adapted for relaying to or from another terminal or user

Abstract

A smart card wallet with one or more smart cards. The smart card wallet includes a microcontroller connected to a data bus and one or more smart card readers. The smart card(s) in the wallet are connected to a respective reader. The microcontroller is also connected to a communication stage, such as, for example, a short range radiotelephone transceiver. The communication stage transfers data to/from the smart card(s) in the wallet to a mobile radiotelephone via a data channel over the radio air interface. The mobile radiotelephone is thus used to mediate transactions between the smart card(s) in the wallet and parties to the transactions (e.g., merchants, banks, other wallets, etc.). An embodiment provides each smart card(s) in the wallet with a separate internet protocol (IP) address. Consequently, in this case, the smart card wallet includes a local IP-based network.

Claims

1. A smart card wallet, comprising:

a controller;

a communication unit coupled to said controller, said communication unit for transferring data between the smart card wallet and a mobile radiotelephone via a wireless link;

at least one smart card reader coupled to said controller so as to transfer said data between at least one smart card and said controller,

said at least one smart card reader associated with an internet protocol (IP) address; and

wherein the smart card wallet is adapted to couple a first quantity of data from said at least one smart card to said communication unit, to transmit said first quantity of data from said communication unit to said mobile radiotelephone, to wait for an exchange of said first quantity of data for a second quantity of data between said mobile radiotelephone and a remote data transaction unit, to receive said second quantity of data at said communication unit from said mobile radiotelephone, and to couple said second quantity of data from said communication unit to said at least one smart card.

2. The smart card wallet of claim 1, wherein said at least one smart card reader is coupled to said controller by a data bus.

3. The smart card wallet of claim 2, wherein said data bus comprises an internet protocol (IP)-based network.

4. The smart card wallet of claim 1, wherein said controller comprises a data bus controller.

5. The smart card wallet of claim 1, wherein said communication unit comprises a radio transceiver.

6. The smart card wallet of claim 1, wherein said communication unit comprises an infrared transmitter and detector.

7. The smart card wallet of claim 1, wherein said communication unit comprises a radio transceiver on a single integrated circuit chip.

8. The smart card wallet of claim 1, wherein said at least one smart card reader is connected to a multi-application smart card.

9. The smart card wallet of claim 1, wherein said at least one smart card reader is connected to said at least one smart card, said at least one smart card including a smart interface.

16. The method of claim 1, wherein said communication unit comprises an infrared transmitter and detector.

10. A smart card wallet, comprising:

a controller;

a communication unit coupled to said controller, said communication unit for transferring data between the smart card wallet and a mobile radiotelephone via a wireless link;

a plurality of smart card readers coupled to said controller so as to transfer data therebetween, each smart card reader of said plurality of smart card readers being associated with a different internet protocol (IP) address; and

wherein the smart card wallet is adapted to couple a first quantity of data from at least one smart card reader of said plurality of smart card readers to said communication unit, to transmit said first quantity of data from said communication unit to said mobile radiotelephone, to wait for an exchange of said first quantity of data for a second quantity of data between said mobile radiotelephone and a remote data transaction unit, to receive said second quantity of data at said communication unit from said mobile radiotelephone, and to couple said second quantity of data from said communication unit to said at least one smart card reader.

11. A method for transferring a first quantity of data between a smart card arranged in a smart card wallet and a remote data transaction unit, comprising the steps of:

coupling said first quantity of data from said smart card to a communication unit arranged in said smart card wallet;

said communication unit transmitting said first quantity of data to a mobile radiotelephone via a wireless link;

said mobile radiotelephone receiving said transmitted first quantity of data, setting up a call with said remote data transaction unit, and transferring said first quantity of data therebetween;

said mobile radiotelephone receiving a second quantity of data from said remote data transaction unit, setting up a call with said communication unit, and transmitting said second quantity of data to said communication unit via said wireless link; and

coupling said second quantity of data from said communication unit to said smart card.

12. The method of claim 11, wherein said first quantity of data is coupled to said communication unit by a smart card reader, a data bus, and a controller.

13. The method of claim 12, wherein said controller comprises a data bus controller.

14. The method of claim 12, wherein said data bus comprises an internet protocol (IP)-based network.

15. The method of claim 12, wherein said communication unit comprises a radio transceiver.

17. The method of claim 11, wherein said communication unit comprises a radio transceiver on a single integrated circuit chip.

18. The method of claim 11, wherein said smart card comprises a multi-application smart card.

19. The method of claim 11, wherein said smart card is connected to a smart card reader, said smart card reader associated with an internet protocol (IP) address.

20. The method of claim 19, wherein said smart card reader comprises one of a plurality of smart card readers arranged in said smart card wallet, each smart card reader of said plurality of smart card readers associated with a different internet protocol (IP) address.

21. A method for identifying at least one service offered by a smart card wallet, comprising the steps of:

connecting a smart card associated with said at least one service to a smart card reader;

reading said at least one service from said smart card;

said smart card wallet transmitting data identifying said at least one service over a wireless link to a mobile radiotelephone;

coupling a first quantity of data from said smart card to a communication unit arranged in said smart card wallet;

said communication unit transmitting said first quantity of data to said mobile radiotelephone via said wireless link;

said mobile radiotelephone receiving said transmitted first quantity of data, setting up, a call with a remote data transaction unit, and transferring said first quantity of data therebetween;

said mobile radiotelephone receiving a second quantity of data from said remote data transaction unit, setting up a call with said communication unit, and transmitting said second quantity of data to said communication unit via said wireless link; and

coupling said second quantity of data from said communication unit to said smart card.

22. The method of claim 21, wherein said data identifying said at least one service is transmitted in response to a service request received from said mobile radiotelephone.

23. The method of claim 22, wherein said service request comprises a request for a list of services offered by said smart card wallet.

24. The method of claim 21, wherein at least one of said first quantity of data and said second quantity of data is related to performing a transaction associated with said at least one service.

25. A method for identifying at least one service offered by a smart card wallet, comprising the steps of:

connecting a smart card associated with said at least one service to a smart card reader, said smart card wallet associating an internet protocol (IP) address with said smart card reader;

reading said at least one service from said smart card;

said smart card wallet transmitting data identifying said at least one service over a wireless link to a mobile radiotelephone;

coupling a first quantity of data from said smart card to a communication unit arranged in said smart card wallet;

said communication unit transmitting said first quantity of data to said mobile radiotelephone via said wireless link;

said mobile radiotelephone receiving said transmitted first quantity of data, setting up a call with a remote data transaction unit, and transferring said first quantity of data therebetween;

said mobile radiotelephone receiving a second quantity of data from said remote data transaction unit, setting up a call with said communication unit, and transmitting said second quantity of data to said communication unit via said wireless link; and

coupling said second quantity of data from said communication unit to said smart card.