METHOD AND SYSTEM OF CONTACTLESS INTERFACING FOR SMART CARD BANKING

• US 20020062284A1
• Filed: 01/28/1999
• Published: 05/23/2002
• Est. Priority Date: 01/30/1998
• Status: Active Grant

• Current Assignee: Citicorp Credit Services Incorporated (Citigroup Incorporated)
• Original Assignee: Citicorp Development Center Incorporated (Citigroup Incorporated)
• Inventors: KAWAN, JOSEPH C.
• Granted Patent: US 8,346,663 B2
• Time in Patent Office: Days
• US Class Current: 705/43
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• 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 20/352 Contactless payments by cards
• 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 20/40145 Biometric identity checks
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/202 Depositing operations within ATMs depositing in general G07D11/00
• 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: G07F 7/1025 Identification of user by a PIN code

Abstract

A method and system of smart card banking utilizes a contactless communication interface, such as infrared or a wireless or radio frequency interface, including, for example, a proximity interface. A contactless communication is initiated for a smart card user between a smart card application and the on-line system of a financial institution, such as a bank, the system verifies authorization for the communication, the information is communicated for the user to the on-line system. The contactless communication is initiated, and the information is communicated, for example, between a contactless interface transceiver of a personal data assistant, into which the smart card is inserted, and the contactless interface transceiver of an on-line terminal. Alternatively, the contactless communication is initiated, and the information is communicated between a contactless interface transceiver of the smart card and the contactless interface transceiver of the terminal.

Claims

1. A method of contactless interfacing for a smart card, comprising:

initiating a contactless communication for a user between a smart card application and an on-line system;

verifying authorization for the communication for the user; and

communicating information for the user to the on-line system.

2. The method of claim 1, wherein initiating the communication further comprises initiating an infrared communication interface.

3. The method of claim 1, wherein initiating the communication further comprises initiating a wireless communication interface.

4. The method of claim 3, wherein initiating the wireless communication interface further comprises initiating a radio frequency communication interface.

5. The method of claim 4, wherein initiating the radio frequency communication interface further comprises initiating a proximity communication interface.

6. The method of claim 1, wherein initiating the communication further comprises initiating the communication between the smart card application on a smart card microcomputer and the on-line system.

7. The method of claim 1, wherein initiating the communication further comprises initiating the communication between the smart card application and the on-line system of a financial institution.

8. The method of claim 7, wherein the financial institution further comprises a bank.

9. The method of claim 1, wherein initiating the communication further comprises initiating the communication at a terminal.

10. The method of claim 9, wherein initiating the communication at the terminal further comprises initiating the communication through a contactless communication transceiver of the terminal.

11. The method of claim 10, wherein initiating the communication further comprises initiating the communication through an infrared transceiver of the terminal.

12. The method of claim 11, wherein the terminal comprises an automated teller machine.

13. The method of claim 11, wherein the terminal comprises a personal computer.

14. The method of claim 11, wherein the terminal comprises a telephone.

15. The method of claim 11, wherein the terminal comprises a wireless telephone.

16. The method of claim 10, wherein initiating the communication further comprises initiating the communication through a wireless transceiver of the terminal.

17. The method of claim 16, wherein the wireless transceiver further comprises a radio frequency transceiver of the terminal.

18. The method of claim 17, wherein the terminal comprises an automated teller machine.

19. The method of claim 17, wherein the terminal comprises a personal computer.

20. The method of claim 17, wherein the terminal comprises a telephone

21. The method of claim 20, wherein the telephone further comprises a wireless telephone.

22. The method of claim 10, wherein initiating the communication further comprises initiating the communication through a proximity transceiver of the terminal.

23. The method of claim 22, wherein the terminal comprises an automated teller machine.

24. The method of claim 22, wherein the terminal comprises a personal computer.

25. The method of claim 22, wherein the terminal comprises a telephone.

26. The method of claim 25, wherein the telephone further comprises a wireless telephone.

27. The method of claim 10, wherein initiating the communication further comprises initiating the communication between the contactless communication transceiver of the terminal and a contactless communication transceiver of a personal data assistant.

28. The method of claim 27, wherein the terminal comprises an automated teller machine.

29. The method of claim 27, wherein the terminal comprises a personal computer.

30. The method of claim 27, wherein the terminal comprises a telephone.

31. The method of claim 30, wherein the telephone further comprises a wireless telephone.

32. The method of claim 27, wherein initiating the communication further comprises initiating a physical contact communication between the smart card and the personal data assistant.

33. The method of claim 27, wherein the personal data assistant further comprises an electronic purse or wallet.

34. The method of claim 10, wherein initiating the communication further comprises initiating the communication between the contactless communication transceiver of the terminal and a contactless communication transceiver of the smart card.

35. The method of claim 34, wherein the terminal comprises an automated teller machine.

36. The method of claim 34, wherein the terminal comprises a personal computer.

37. The method of claim 34, wherein the terminal comprises a telephone.

38. The method claim 37, wherein the telephone further comprises a wireless telephone.

39. The method of claim 1, wherein verifying the authorization further comprises verifying the authorization by a personal data assistant.

40. The method of claim 1, wherein verifying the authorization further comprises verifying the authorization by a terminal.

41. The method of claim 40, wherein verifying the authorization further comprises verifying the authorization by a terminal of the on-line system.

42. The method of claim 1, wherein verifying the authorization further comprises verifying the authenticity of the smart card.

43. The method of claim 1, wherein verifying the authorization further comprises checking security information for the user.

44. The method of claim 43, wherein checking security information further comprises receiving security information for the user.

45. The method of claim 44, wherein receiving security information further comprises receiving a PIN number for the user.

46. The method of claim 44, wherein receiving security information further comprises receiving biometric information for the user.

47. The method of claim 44, wherein receiving security information further comprises receiving the security information on an input/output device.

48. The method of claim 47, wherein receiving the security information further comprises receiving the security information through the input/output device of a personal data assistant.

49. The method of claim 48, wherein the personal data assistant comprises an electronic purse or wallet.

50. The method of claim 47, wherein receiving the security information further comprises receiving the information through the input/output device of a terminal.

51. The method of claim 50, wherein the terminal comprises an automated teller machine.

52. The method of claim 50, wherein the terminal comprises a personal computer.

53. The method of claim 50, wherein the terminal comprises a telephone.

54. The method of claim 52, wherein the telephone further comprises a wireless telephone.

55. The method of claim 1, wherein communicating the information further comprises receiving the information through an input/output device.

56. The method of claim 55, wherein receiving the information further comprises receiving the information through the input/output device of a personal data assistant.

57. The method of claim 56, wherein the personal data assistant comprises an electronic purse or wallet.

58. The method of claim 55, wherein receiving the information further comprises receiving the information through the input/output device of a terminal.

59. The method of claim 58, wherein the terminal comprises an automated teller machine.

60. The method of claim 58, wherein the terminal comprises a personal computer.

61. The method of claim 58, wherein the terminal comprises a telephone.

62. The method of claim 61, wherein the telephone further comprises a wireless telephone.

63. A contactless interface system for a smart card, comprising:

means for initiating a contactless communication between a smart card application and an on-line system;

means associated with the initiating means for verifying authorization for the communication; and

means associated with the verifying means for communicating information to the on-line system.

64. The system of claim 63, wherein the initiating means comprises an infrared interface communication device.

65. The system of claim 63, wherein the initiating means comprises a wireless interface communication device.

66. The system of claim 63, wherein the initiating means comprises a radio frequency interface communication device.

67. The system of claim 63, wherein the remote application comprises the smart card application on a smart card microprocessor.

68. The system of claim 63, wherein the initiating mean comprises a terminal.

69. The system of claim 68, wherein the terminal comprises an automated teller machine.

70. The system of claim 68, wherein the terminal comprises a personal computer.

71. The system of claim 68, wherein the terminal comprises a telephone.

72. The system of claim 63, wherein the on-line system comprises a bank host on-line system.

73. The system of claim 63, wherein the communicating means comprises a personal data assistant.

74. The system of claim 73, wherein the personal data assistant comprises an electronic purse or wallet.

75. The system of claim 63, wherein the communicating means comprises a terminal.

76. The system of claim 75, wherein the terminal comprises an automated teller machine.

77. The system of claim 75, wherein the terminal comprises a personal computer.

78. The system of claim 75, wherein the terminal comprises a telephone.