Method, a smart card and terminals for effecting transactions through a telecommunication network

• US 6,557,753 B1
• Filed: 05/19/2000
• Issued: 05/06/2003
• Est. Priority Date: 11/20/1997
• Status: Expired due to Term

• Current Assignee: Gemalto SA (Thales SA)
• Original Assignee: Gemplus (Thales SA)
• Inventors: Beaujard, Olivier, Imbert, Patrick
• Primary Examiner(s): Lee, Michael G.
• Assistant Examiner(s): Sanders, Allyson
• Application Number:
  US09/573,179
• Time in Patent Office: 1,082 Days
• Field of Search: 235/375, 235/380, 455/426, 455/428, 455/432, 455/435
• US Class Current: 235/375
• CPC Class Codes: G06K 7/065 for conductive marks
• CPC Class Codes: G06Q 20/229 Hierarchy of users of accounts
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile 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 20/3574 Multiple applications on card
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A method for effecting transactions through a telecommunication network by smart cards and telecommunication terminals provided with at least two smart card reading interfaces, one for receiving a subscriber identification smart card dedicated to telephony, the other for receiving a smart card dedicated to one or more applications other than telephony. Communication facilities are added to the subscriber identification card to enable it to control any application card through the telecommunication terminal.

Claims

1. A method for effecting transactions through a telecommunication network by means of a telecommunications terminal having at least two smart card interfaces, one of which receives a subscriber identification smart card that is associated with telephony and that communicates with said terminal by means of a first protocol, and another of which receives a second smart card having at least one application that is not associated with telephony and that communicates via a second protocol different from said first protocol, comprising the steps of:

storing in said subscriber identification smart card a set of commands that pertain to said application and that are formatted in accordance with said second protocol;

transmitting one of said formatted commands from said subscriber identification smart card to said terminal in accordance with said first protocol; and

transmitting said formatted command from said terminal to said second smart card.

2. The method of claim 1 wherein said stored set of commands includes the following commands:

a command to send data to the second smart card by means of an incoming command; and

a command to retrieve data from the second smart card by means of an outgoing command.

3. The method of claim 2 wherein said command set further includes commands to the terminal to energize and de-energize the second smart card.

4. The method of claim 1 further including the step of sending a command from the terminal to the subscriber identification smart card that indicates a smart card is present in the other interface.

5. The method of claim 1 wherein said commands are associated with a program that is stored in a program memory of the subscriber identification smart card and that pertains to said application.

6. The method of claim 5 further including the step of downloading said program into said program memory from an application server accessible by said terminal over the telecommunication network.

7. The method of claim 1 wherein said telecommunication network is a mobile radio telephony network.

8. The method of claim 1 wherein said telecommunication network is a switched telephone network.

9. The method of claim 1 wherein said telecommunication network is an integrated services digital network.

10. The method of claim 1 wherein said subscriber identification smart card encapsulates said formatted commands into commands associated with said first protocol, for transmission to said terminal.

11. The method of claim 1 wherein said first protocol is defined by GSM standard 11.14, and said second protocol corresponds to the APDU format for smart cards.

12. A subscriber identification telephony smart card that communicates with a second smart card, having at least one application that is not associated with telephony, by means of a terminal, comprising:

a memory storing a set of commands that pertain to said application and that are formatted in accordance with a first protocol via which said second smart card communicates; and

means for transmitting said formatted commands to a terminal in accordance with a second protocol via which said terminal communicates.

13. The smart card of claim 12 wherein said set of commands are stored in a program memory of the subscriber identification smart card as part of a first program that pertains to said application, and further including a second program stored in said program memory for downloading said first program to said memory from a server accessible by a terminal with which said smart card is communicating.

14. The smart card of claim 13 wherein said first program manages a user interface associated with said application and manages communication with said second smart card.

15. The smart card of claim 12 wherein said transmitting means encapsulates said formatted commands into commands associated with said second protocol, for transmission to a terminal.

16. The smart card of claim 12 wherein said first protocol corresponds to the APDU format for smart cards, and the second protocol is defined by GSM standard 11.14.