System and method for using a smart card

• US 6,955,299 B1
• Filed: 12/17/1999
• Issued: 10/18/2005
• Est. Priority Date: 12/17/1999
• Status: Expired due to Fees

• Current Assignee: Centre For Wireless Communications of National University of Singapore
• Original Assignee: Centre For Wireless Communications of National University of Singapore
• Inventors: Tan, Cheng Lin, Pathmasuntharan, Jaya Shankar
• Primary Examiner(s): Le, Thien M.
• Assistant Examiner(s): LE, UYEN CHAU N
• Application Number:
  US09/466,144
• Time in Patent Office: 2,132 Days
• Field of Search: 235/380, 235/379, 235/382, 235/375, 235/492, 235/381, 705 41- 44
• US Class Current: 235/492
• CPC Class Codes: G06K 19/0723 the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
• CPC Class Codes: G06K 19/07336 Active means, e.g. jamming or scrambling of the electromagnetic field
• CPC Class Codes: G06K 7/0008 General problems related to the reading of electronic memory record carriers, independent of its reading method, e.g. power transfer
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/0833 Card having specific functional components
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence
• CPC Class Codes: G07F 7/0893 the card reader reading the card in a contactless manner
• CPC Class Codes: G07F 7/125 Offline card verification

Abstract

A system and method for using a smart card. The system includes a smart card enabler receiving a first identification key from a smart card. The smart card enabler compares the first identification key with a second identification key. If the first identification key matches the second identification key, the smart card enabler enables the smart card to function with a smart card reader. Also, if information stored in a smart card is incapable of being retrieved from the smart card, the transaction information stored in the smart is recovered by using information stored in a smart card enabler.

Claims

1. A smart card comprising:

an interface with a smart card reader;

first circuitry configured to receive a first enable signal from a portable smart card enabler device, wherein the first enable signal is transmitted to the first circuitry without passing through the smart card reader;

second circuitry coupled with the interface and the first circuitry and configured to allow the smart card to function with the smart card reader upon receiving the first enable signal from the portable smart card enabler device by the first circuitry, and to disable the smart card to function with the smart card reader if the first circuitry does not receive the first enable signal from the portable smart card enabler device; and

wherein the first circuitry is also configured to receive a second enable signal from the portable smart card enabler device, and wherein the second circuitry is also configured to allow the smart card to perform a transaction with the smart card reader upon receiving the second enable signal from the portable smart card enabler device by the first circuitry, and to disable the smart card to perform the transaction with the smart card reader if the first circuitry does not receive the second enable signal from the portable smart card enabler device.

2. The smart card of claim 1, wherein the first enable signal and the second enable signal are radio frequency signals.

3. The smart card of claim 1, wherein the second circuitry is also configured to disable the smart card to perform the transaction after a predetermined time period.

4. The smart card of claim 1, wherein the second circuitry performs the transaction with the smart card reader through the interface after receiving the first enable signal and the second enable signal from the portable smart card enabler device.

5. The smart card of claim 4, wherein the second circuitry performs the transaction for the smart card that is within a close proximity of the smart card enabler.

6. The smart card of claim 1, wherein the second circuitry includes:

a memory storing first identification key and a first transaction key; and

a central processing unit coupled to the memory and configured to send the first identification key and a first transaction key to the portable smart card enabler device, and wherein the first enable signal and the second enable signal are received from the portable smart card enabler device based on the a first identification key and first transaction key.

7. The smart card of claim 6, wherein the memory also stores a first transaction value, the first transaction value representing an available amount of hard currency in electronic form for the smart card, and wherein the central processing unit is also configured to send the first transaction value to the portable smart card enabler device such first transaction value is stored in the portable smart card enabler device.

8. The smart card of claim 7, wherein the central processing unit is also configured to generate a second transaction value as a result of a transaction and replace the first transaction value with the second transaction value.

9. The smart card of claim 8, wherein the central processing unit is also configured to generate a second transaction key to replace the first transaction key and transmit the second transaction key and second transaction value to the portable smart card enabler device.

10. A smart card, comprising:

a) a first interface through which communications with a portable smart card enabler device are transported;

b) a second interface through which communications with a smart card reader are transported;

c) memory to store an identification key, a transaction key and a transaction value; and

d) a processor to;

1) send said identification key to said portable smart card enabler device through said first interface;

2) send said transaction key to said portable smart card enabler device through said first interface as a consequence of said smart card receiving a first enable signal from said portable smart card enabler device without passing through the smart card reader, said first enable signal sent in response to said sending of said identification key;

3) send said transaction value to said smart card reader through said second interface in order to entertain a transaction, said transaction value being sent as a consequence of said smart card receiving a second enable signal from said portable smart card enabler device, said second enable signal sent in response to said sending of said transaction key.

11. The smart card of claim 10 wherein said second interface further comprises a contact interface.

12. The smart card of claim 11 wherein said first interface further comprises an RF interface.

13. The smart card of claim 10 wherein said first interface further comprises an RF interface.

14. The smart card of claim 10 wherein said smart card further comprises an I/O interface coupled to said processing unit.

15. The smart card of claim 14 wherein said I/O interface further comprises a key pad.

16. The smart card of claim 14 wherein said I/O interface further comprises a display.

17. The smart card of claim 10 wherein said smart card is further configured to create and store a new transaction key as a consequence of a new transaction value having been received from said smart card reader, said new transaction key stored into said memory resource, said new transaction value reflecting said transaction value less a cost for said transaction.

18. The smart card of claim 17 wherein said smart card is further configured to send said new transaction key and said new transaction value to said portable smart card enabler device.

19. The smart card of claim 18 wherein said smart card is further configured to generate said new transaction key by generating a random number.

20. A method, comprising:

a) sending an identification key from a smart card to a portable smart card enabler device through a first smart card interface;

b) sending a transaction key from said smart card to said portable smart card enabler device through said first interface as a consequence of said smart card receiving a first enable signal from said portable smart card enabler device, said first enable signal sent in response to said sending of said identification key; and

,

c) sending a transaction value from said smart card to a smart card reader through a second smart card interface in order to entertain a transaction, said transaction value being sent as a consequence of said smart card receiving a second enable signal from said portable smart card enabler device, said second enable signal sent in response to said sending of said transaction key without passing through the smart card reader.

21. The method of claim 20 wherein said second smart card interface further comprises a contact interface.

22. The method of claim 21 wherein said first smart card interface further comprises an RF interface.

23. The method of claim 20 wherein said first smart card interface further comprises an RF interface.

24. The method of claim 20 further comprising creating and storing a new transaction key on said smart card as a consequence of a new transaction value having been received from said smart card reader, said new transaction value reflecting said transaction value less a cost for said transaction.

25. The method of claim 24 further comprising sending said new transaction key and said new transaction value from said smart card to said portable smart card enabler device

26. The method of claim 25 wherein said creating said new transaction key further comprises generating a random number.