Smart card system for providing financial, travel, and entertainment-related services

• US 6,609,655 B1
• Filed: 06/26/2000
• Issued: 08/26/2003
• Est. Priority Date: 06/26/2000
• Status: Expired due to Fees

• Current Assignee: MFH LLC (Service Corporation International)
• Original Assignee: Martha F. Harrell
• Inventors: Harrell, Martha F.
• Primary Examiner(s): Lee, Michael G.
• Assistant Examiner(s): LEE, SEUNG H
• Application Number:
  US09/604,117
• Time in Patent Office: 1,156 Days
• Field of Search: 235/375, 235/376, 235/378, 235/382, 235/383, 235/384, 705/13, 705/14
• US Class Current: 235/380
• CPC Class Codes: G07B 15/063 using wireless information transmission between the vehicle and a fixed station identification of vehicles G08G
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence

Abstract

A smart card system for providing travel-and entertainment-related resources and associated methods is provided. The smart card system includes a smart card payment processing facility for communicating with the smart card for automated payments of fares and/or fees and/or tolls. The smart card comprises a contactless and a contact interface for collecting payments for travel-and entertainment-related functions. The smart card system may be used to pay other types of travel and entertainment charges, such as airline fares, bus fares, entertainment park entrance fees and parking fees. The card may further include tools for purchasing travel-and entertainment-related products.

Claims

1. A multi-purpose smart card system for interactively performing at least one of financial, travel-and entertainment-related functions, the system comprising:

a smart card automated payment means disposed on a smart card for providing automated payment of at least one of a purchase price, fees, fares and tolls;

automated payment means within a payment facility for communicating with the smart card automated payment means to facilitate payment, said payment facility associated with at least one of a toll booth, and a network or Internet site;

storage means on the smart card and/or at least one smart card host system for storing such data as user identification, available funds, and card transaction information;

processing means for updating funds information on the smart card and the at least one smart card host system; and

information reading and writing means in the smart card system for interfacing and communicating, based on information stored in the smart card and/or the at least one smart card host system, with;

an authorized network or Internet site wherein at least one of financial, travel, and entertainment account records and related information may be accessed and/or downloaded, the authorized network or Internet site being determined based on valid smart card identification data;

a transportation network or Internet site providing at least one of commercial fleet management, traffic monitoring, and highway advisory information;

a traveler assistance network or Internet site providing at least one of tourist traveler assistance and general traveler information regarding attractions, services, directions, route guidance, and traffic conditions and restrictions;

an authorized funds management network or Internet site wherein cash, credit, or debit value may be added to the smart card, the authorized funds management network or Internet site being determined based on valid smart card identification data;

an information network or Internet site for receiving and sending electronic mail and messages by a user and/or host of the smart card;

a purchasing network or Internet site for purchasing goods and services of companies and organizations;

and

a telephony network or Internet site for accessing information services.

2. The multi-purpose smart card system of claim 1, wherein the smart card automated payment means and the automated payment means within the payment facility comprise a contactless payment means.

3. The multi-purpose smart card system of claim 2, wherein the contactless payment means comprises light emitting diodes and phototransistors.

4. The multi-purpose smart card system of claim 2, wherein the information reading and writing means and the payment means within the smart card are provided on a single chip.

5. The multi-purpose smart card system of claim 2, wherein the information reading and writing means and the payment means within the smart card are provided on two separate chips.

6. The multi-purpose smart card system of claim 1, wherein the smart card automated payment means and the automated payment means within the payment facility comprise a contact payment means.

7. The multi-purpose smart card system of claim 1, wherein the information reading and writing means comprises a magnetic stripe.

8. The multi-purpose smart card system of claim 1, wherein the storage means comprises an electrically erasable programmable read only memory.

9. The multi-purpose smart card system of claim 1, wherein the traveler assistance network or Internet site further provides travel information including at least one of road conditions, weather conditions, and airline schedules.

10. The multi-purpose smart card system of claim 1, wherein the information reading and writing means further comprises means for changing a monetary value on the smart card.

11. The multi-purpose smart card system of claim 10, wherein the means for changing the monetary value comprises means for adding a cash, credit or debit value to the smart card.

12. The multi-purpose smart card system of claim 1, wherein the information reading and writing means further comprises means for providing access to technical and customer support.

13. The multi-purpose smart card system of claim 1, wherein the storage means stores card transaction information.

14. The multi-purpose smart card system of claim 1, wherein the smart card comprises further means for wireless communication.

15. The multi-purpose smart card system of claim 1, wherein the information reading and writing means comprises contact means for interfacing and communicating through the use of a card reader.

16. The multi-purpose smart card system of claim 1, wherein the information reading and writing means further interfaces and communicates with a vehicle diagnostics network or Internet site for providing systems check-ups and vehicle-related messaging.

27. The multi-purpose smart card system of claim 1, further comprising processing means for processing at least one of financial, travel, and entertainment payment records.

17. A multi-purpose smart card for communicating with a payment central processing unit for facilitating automatic payment of at least one of a purchase price, fees, fares and tolls, the smart card comprising:

receiving means for receiving a wakeup signal and a payment amount from the payment central processing unit;

storage means for storing such data as user identification data and financial data;

information reading and writing means for transmitting a user identification number and a card balance upon receipt of the wakeup signal, and for communicating with;

an authorized network or Internet site wherein at least one of financial, travel, and entertainment account records and related information may be accessed and/or downloaded, the authorized network or Internet site being determined based on valid smart card identification data;

a transportation network or Internet site providing at least one of commercial fleet management, traffic monitoring, and highway advisory information;

a traveler assistance network or Internet site providing at least one of tourist traveler assistance and general traveler information regarding attractions, services, directions, route guidance, and traffic conditions and restrictions;

an authorized funds management network or Internet site wherein cash, credit, or debit value may be added to the smart card, the authorized funds management network or Internet site being determined based on valid smart card identification data;

an information network or Internet site for receiving and sending electronic mail and messages by a user and/or host of the smart card;

a purchasing network or Internet site for purchasing goods and services of companies and organizations;

and

a telephony network or Internet site for accessing information services;

processing means for processing the payment amount transmitted by the payment central processing unit.

18. The multi-purpose smart card of claim 17, wherein the storage means comprises an electrically erasable programmable read only memory.

19. The multi-purpose smart card of claim 17, wherein the information reading and writing means comprise contactless means.

20. The multi-purpose smart card of claim 17, wherein the information reading and writing means comprise contact means.

21. The multi-purpose smart card of claim 17, wherein the storage means additionally stores card transaction data.

22. A multi-purpose smart card toll payment system comprising:

a central toll payment processing unit, wherein in a steady state, the central toll payment processing unit emits a signal, the signal maintaining a steady state comprising a red light being illuminated and a toll gate being closed, the central toll payment processing unit including infrared transmission means; and

a smart card positioned within a vehicle that interrupts the signal, the smart card including storage means for storing such data as user identification and account balance data, processing means for updating account balance data, and contact and/or contactless transmission and reception means for communicating with the central toll payment processing unit and for communicating with;

an authorized network or Internet site wherein at least one of financial, travel, and entertainment account records and related information may be accessed and/or downloaded, the authorized network or Internet site being determined based on valid smart card identification data;

a transportation network or Internet site providing at least one of commercial fleet management, traffic monitoring, and highway advisory information;

a traveler assistance network or Internet site providing at least one of tourist traveler assistance and general traveler information regarding attractions, services, directions, route guidance, and traffic conditions and restrictions;

an authorized funds management network or Internet site wherein cash, credit, or debit value may be added to the smart card, the authorized funds management network or Internet site being based on valid smart card identification data;

an information network or Internet site for receiving and sending electronic mail and messages by a user and/or host of the smart card;

a purchasing network or Internet site for purchasing goods and services of companies and organizations;

and

a telephony network or Internet site for accessing information services;

wherein, upon triggering of an interrupt, the central payment processing unit wakes up the smart card, receives smart card data, sends a payment amount, and when the payment amount is satisfied, activates a green light and raises the toll gate.

23. The multi-purpose smart card system of claim 22, wherein the signal is an infrared signal, such that the vehicle interrupts a photodetector beam.

24. The smart card system of claim 22, wherein the signal is a radio frequency signal.

25. A multi-purpose smart card system for performing at least one of financial, travel- and entertainment-related functions, the system comprising:

a smart card automated, payment means within a smart card for providing for payment of at least one of a purchase price, fares, fees and tolls for the financial, travel- and entertainment-related functions;

an automated payment facility for communicating with the smart card automated payment means to facilitate automated payment;

storage means on the smart card and/or its host system for storing such data as user identification, available funds and card transaction information;

information reading and writing means in the smart card system for interfacing with;

an authorized network or Internet site wherein at least one of financial, travel, and entertainment account records and related information may be accessed and/or downloaded, the authorized network or Internet site being determined based on valid smart card identification data;

a transportation network or Internet site providing at least one of commercial fleet management, traffic monitoring, and highway advisory information;

a traveler assistance network or Internet site providing at least one of tourist traveler assistance and general traveler information regarding attractions, services, directions, route guidance, and traffic conditions and restrictions;

an authorized funds management network or Internet site wherein cash, credit, or debit value may be added to the smart card, the authorized funds management network or Internet site being determined based on valid smart card identification data;

an information network or Internet site for receiving and sending electronic mail and messages by a user and/or host of the smart card;

a purchasing network or Internet site for purchasing goods and services of companies and organizations; and

a telephony network or Internet site for accessing information services; and

processing means in the smart card system for updating financial information on the smart card and a smart card host system,

wherein the smart card automated payment means includes contactless payment means and/or contact payment means for collecting payments for airlines, buses and other travel- and entertainment-related functions.

26. A method for collecting payments of at least one of a purchase price, fares, fees and tolls with a payment system comprising a smart card and a payment facility processing unit, the method comprising the steps of:

creating a steady state condition in which the smart card is in a low power state, the payment facility processing unit is in a wait state and wherein when a photodetector beam is emitted, a red light is activated and a gate is down;

triggering an interrupt when a vehicle breaks the emitted photodetector beam;

transmitting a signal from the payment facility processing unit to the smart card to wake up the smart card;

transmitting identification and balance information from a contactless and/or contact communication means on the smart card to the payment facility processing unit;

processing the transmitted information and assessing a payment amount;

transmitting the payment amount to the smart card;

subtracting the payment amount from an initial amount stored within the smart card;

transmitting a verification signal from the contactless and/or contact communication means on the smart card to the payment facility processing unit;

activating a green light and raising the gate upon receiving the verification signal at the payment facility processing unit; and

using the smart card to perform;

adding cash, credit, or debit value to the smart card by interfacing with an authorized funds management network or Internet site wherein cash, credit, or debit value may be added to the smart card, the authorized funds management network or Internet site being determined based on valid smart card identification data;

accessing and/or downloading at least one of financial, travel, and entertainment account records and related information by interfacing with an authorized network or Internet site, the authorized network or Internet site being determined based on valid smart card identification data;

obtaining at least one of commercial fleet management, traffic monitoring, and highway advisory information by interfacing with a transportation network or Internet site;

obtaining at least one of tourist traveler assistance and general traveler information regarding attractions, services, directions, route guidance, and traffic conditions and restrictions by interfacing with a traveler assistance network or Internet site;

receiving and sending electronic mail and messages by a user and/or host of the smart card by interfacing with an information network or Internet site;

purchasing goods and services of companies and organizations by interfacing with a purchasing network or Internet site;

and

accessing information services by interfacing with a telephony network or Internet site.

28. A method for collecting payments of at least one of a purchase price, fares, fees and tolls with a payment system comprising a smart card and a payment facility processing unit, the method comprising the steps of-creating a steady state condition in which the smart card is in a low power state, the payment facility processing unit is in a wait state;

transmitting a signal from the payment facility processing unit to the smart card to wake up the smart card;

transmitting identification and balance information from a contactless and/or contact communication means on the smart card to the payment facility processing unit;

processing the transmitted information and assessing a payment amount;

transmitting the payment amount to the smart card;

subtracting the payment amount from an initial amount stored within the smart card;

transmitting a verification signal from the contactless and/or communication means on the smart card to the payment facility processing unit; and

using the smart card to perform;

adding cash, credit, or debit value to the smart card by interfacing with an authorized funds management network or Internet site wherein cash, credit, or debit value may be added to the smart card, the authorized funds management network or Internet site being determined based on valid smart card identification data;

accessing and/or downloading at least one of financial, travel, and entertainment account records and related information by interfacing with an authorized network or Internet site, the authorized network or Internet site being determined based on valid smart card identification;

data;

obtaining at least one of commercial fleet management, traffic monitoring, and highway advisory information by interfacing with a transportation network or Internet site;

obtaining at least one of tourist traveler assistance and general traveler information regarding attractions, services, directions, route guidance, and traffic conditions and restrictions by interfacing with a traveler assistance network or Internet site;

receiving and sending electronic mail and messages by a user and/or host of the smart card by interfacing with an information network or Internet site;

purchasing goods and services of companies and organizations by interfacing with a purchasing network or Internet site; and

accessing information services by interfacing with a telephony network or Internet site.