Display device and funds transaction device including the display device

• US 7,904,338 B2
• Filed: 05/07/2003
• Issued: 03/08/2011
• Est. Priority Date: 05/30/2002
• Status: Active Grant

• Current Assignee: S Aqua Semiconductor LLC (Intellectual Ventures LLC)
• Original Assignee: Calabro Services Co LLC (Intellectual Ventures LLC)
• Inventors: Jamieson, Andrew
• Primary Examiner(s): Frenel; Vanel
• Application Number:
  US10/516,445
• Publication Number:
  US 20050222925A1
• Time in Patent Office: 2,862 Days
• Field of Search: 705/16, 705/35, 705/44, 235/380
• US Class Current: 705/16
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3415 Cards acting autonomously as pay-media
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• 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 display device is disclosed which may be used in a mobile telephone or other article which is intended to make secure transactions such as financial transactions, as well as other personal transactions such as telephone calls. The device includes a display (24) for displaying information, a financial transaction controller (26) including a processor (28), a display driver (30) for driving the display (24) and a secure memory (32). The financial transaction controller allows the display section (24), and an input keypad (12), to operate under the control of the device to enable personal functions other than financial transactions to be performed. However, in the event of a financial transaction, the financial transaction controller takes over control of the display section (24) and the input keypad (12) so that the financial transaction can be performed while the device is under the control of the financial transaction controller to thereby prevent tampering with or tapping off of data, and also the display of information other than under the control of the financial controller.

Claims

1. A display device for a personal device intended to perform financial transactions as well as personal functions other than financial transactions, the display device comprising:

a display for displaying information to a user; and

a financial transaction controller coupled to the display, wherein the financial transaction controller selectively allows the display and an input device to operate under the control of the personal device to enable personal functions other than financial transactions to be performed, and wherein the financial transaction controller assumes control of the display and the input device to prevent tampering with or tapping off of data entered into the input device or stored in the financial transaction controller during a financial transaction.

2. The display device of claim 1, wherein the financial transaction controller is an electronic funds transfer point of sale (EFTPOS) controller that includes a processor, a display driver connected to the processor and a secure memory coupled to the processor, and wherein the secure memory stores secure data and the processor is coupled to the display by the display driver.

3. The display device of claim 2, wherein the personal device includes controlling electronics, and wherein the display device includes circuitry for coupling the processor to the input device and the controlling electronics of the personal device.

4. The display device of claim 3, wherein the display device is coupled to the controlling electronics of the personal device by a zero insertion force connector, and wherein disconnection of the display device from the controlling electronics provides a trigger signal that causes data within the financial transaction controller to be erased to prevent unauthorized access of the data.

5. The display device of claim 4, wherein a circuit loop-back in the zero insertion force connector provides the trigger signal to the financial transaction controller, and wherein the data includes a banking key.

6. The display device of claim 1, wherein the financial transaction controller is physically attached to the display.

7. The display device of claim 1, wherein the financial transaction controller is integrated with the display.

8. The display device of claim 1, wherein the financial transaction controller is integrated with the display by connecting the financial transaction controller to a printed circuit board (PCB) that includes a display driver for controlling the display.

9. The display device of claim 1, wherein the display is a liquid crystal display (LCD) having a glass face and the financial transaction controller is directly mounted onto the glass face of the LCD by a chip on glass process.

10. The display device of claim 1, wherein the input device is a keypad.

11. The display device of claim 1, wherein the financial transaction controller is an application specific integrated circuit (ASIC).

12. The display device of claim 1, wherein the financial transaction controller is a hybrid circuit.

13. The display device of claim 1, wherein the financial transaction controller is configured to selectively control a plurality of different displays that may be used in different types of personal devices.

14. The display device of claim 1, wherein the personal device includes a communication circuit for transmitting data relating to the financial transactions to a financial transaction network and for receiving data from the financial transaction network.

15. The display device of claim 1, wherein the personal device includes an input for activation by an operator to place the display device in a secure condition for performing a financial transaction.

16. The device of claim 15, wherein the financial transaction controller includes a processor, a display driver coupled to the processor and a secure memory coupled to the processor, and wherein the secure memory stores secure data and the processor is coupled to the display by the display driver.

17. A financial transaction device for performing financial transactions as well as personal functions other than financial transactions, the device comprising:

an input device for the entry of data into the financial transaction device;

a display for displaying information to a user;

a financial transaction controller coupled to the display and the input device; and

a personal device including controlling electronics coupled to the financial transaction controller,

wherein the personal device is configured to control the financial transaction device to perform personal functions other than financial transactions, and

wherein the financial transaction controller selectively allows the display and the input device to operate under the control of the controlling electronics to enable personal functions other than financial transactions, where the financial transaction controller assumes control of the display and the input device to prevent the controlling electronics from accessing the display and the input device to prevent tampering with or tapping off of data entered into the input device or stored in the financial transaction controller during a financial transaction.

18. The device of claim 17, wherein the financial transaction controller is physically attached to the display.

19. The device of claim 17, wherein the financial transaction controller is integrated with the display.

20. The device of claim 17, wherein the financial transaction controller is integrated with the display by connecting the financial transaction controller to a printed circuit board (PCB) that includes a display driver for controlling the display.

21. The device of claim 17, wherein the display is a liquid crystal display (LCD) having a glass face and the financial transaction controller is directly mounted onto the glass face of the LCD by a chip on glass process.

22. The device of claim 17, wherein the controlling electronics include a communication circuit for transmitting and receiving information.

23. A mobile telephone for performing financial transactions as well as mobile telephone calls other than financial transactions, the mobile telephone comprising:

an input device for the entry of data into the mobile telephone;

a display for displaying information to a user;

controlling electronics for enabling a mobile telephone call to be performed with the mobile telephone;

a financial transaction controller coupled to the display,

wherein the financial transaction controller selectively allows the input device and the display to be coupled to the controlling electronics to enable mobile telephone calls other than financial transactions, and wherein the financial transaction controller disconnects the controlling electronics from the display and the input device and assumes control of the display and the input device to perform a financial transaction.

24. The telephone of claim 23, wherein the financial transaction controller is an electronic funds transfer point of sale (EFTPOS) controller that includes a processor, a display driver coupled to the processor and a secure memory coupled to the processor, and wherein the secure memory stores secure data and the processor is coupled to the display by the display driver.

25. The telephone of claim 24, wherein the processor is also coupled to the input device and the controlling electronics of the personal device.

26. The telephone of claim 23, wherein the financial transaction controller is physically attached to the display.

27. The telephone of claim 23, wherein the financial transaction controller is integrated with the display.

28. The telephone of claim 23, wherein the financial transaction controller is integrated with the display by connecting the financial transaction controller to a printed circuit board (PCB) that includes a display driver for controlling the display.

29. The telephone of claim 23, wherein the display is a liquid crystal display (LCD) having a glass face and the financial transaction controller is directly mounted onto the glass face of the LCD by a chip on glass process.

30. The telephone of claim 23, wherein the financial transaction controller enables communication between the controlling electronics, the display and the input device during the performance of personal functions other than financial transactions.

31. The telephone of claim 23, wherein the controlling electronics cannot access the display or the input device during a financial transaction, and wherein the financial transaction controller communicates with the controlling electronics to facilitate data transmission and reception for a financial transaction in a mobile telephone call to a financial system network.

32. The telephone of claim 23, wherein the input device is a keypad.