MULTI-APPLICATION CONTACTLESS SMART CARD

• US 20110042464A1
• Filed: 08/18/2009
• Published: 02/24/2011
• Est. Priority Date: 08/18/2009
• Status: Active Grant

• Current Assignee: On Track Innovations Limited (Nayax Ltd.)
• Original Assignee: On Track Innovations Limited (Nayax Ltd.)
• Inventors: Itay, Nehemya, Binur, Aharon, Bashan, Oded
• Granted Patent: US 8,186,602 B2
• Time in Patent Office: Days
• US Class Current: 235/492
• CPC Class Codes: G06F 9/445 Program loading or initiating bootstrapping G06F9/4401; security arrangements for program loading or initiating G06F21/57
• 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: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/3574 Multiple applications on card
• CPC Class Codes: G06Q 20/3576 Multiple memory zones 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 multi-application contactless smart card system and method. The user may select application using selection mechanism located on the smart card or at the contactless reader. The selection means may be connected to the contact I/O pin of the processor of the smart card. In some embodiments, the processor of the smart card may read the user selection through the contact I/O pin during a simulated contact transaction, evoke the desired application and perform the contactless transaction. During the simulated contact transaction power up sequence is preserved by extracting power signals to the contact VDD pin from the RF signal. Alternatively, the state of the selection mechanism may be sampled continuously or at convenient time intervals, enabling further switching between applications during a single contactless session.

Claims

1. A contactless multi-application smart card system comprising:

a processor having stored thereon a plurality of applications;

a selection mechanism to enable a user to select a state among of a plurality of states, each one of said states corresponding to a respective application among said plurality of applications; and

circuitry to enable said processor to sample the state of said selection mechanism, wherein said circuitry is to sample the state of the selection mechanism if a radio frequency (RF) signal from a contactless reader is present,

wherein said processor is to run said selected application based upon the sampled state of the selection mechanism.

2. The smart card of claim 1, wherein said selection mechanism is mounted on said card.

3. The smart card of claim 1, wherein said selection mechanism is located on said contactless reader.

4. The smart card of claim 2, wherein said selection mechanism comprises a switch having a plurality of states.

5. The smart card of claim 4, wherein said circuitry is to produce a respective voltage level for each state of said switch, and to translate said voltage level to a digital signal at an input to said processor, and wherein said processor is to determine said respective application among said plurality of applications, based on said respective digital signal at said input.

6. The smart card of claim 4, wherein said switch has two terminals, the first terminal of said switch being connected to a ground pin of said smart card and the second terminal of said switch being connected to an input/output pin of said circuitry.

7. The smart card of claim 4, wherein said circuitry is to produce a respective combination of digital signals for each state of said switch at multiple inputs to said processor, and wherein said processor is to determine said respective application, selected from said plurality of applications, based on said respective combination of digital signals at said multiple inputs.

8. The smart card of claim 4 wherein said processor is to operate in any of a contact mode, a contactless mode, or a mixed contact-contactless mode, and wherein upon the presence of a radio frequency (RF) signal from a contactless reader, said circuitry is further to engage said processor in said mixed contact-contactless mode operation so as to enable said processor to determine based thereupon the state of said switch.

9. The smart card of claim 1, wherein the processor is able to operate in any of a contact mode, a contactless mode, or a mixed contact-contactless mode, and wherein said circuitry is to enable operation in mixed contact-contactless mode by extracting contact supply voltage from the RF signal.

10. A method of operating a contactless multi-application smart card containing a processor having stored thereon a plurality of applications, said method comprising:

providing a selection mechanism having a plurality of states, each of said states corresponding to respective application;

upon presence of a radio frequency (RF) signal from a contactless reader proximate to said card, determining the state of said selection mechanism by said processor; and

initiating by said processor said corresponding application based on said determined state.

11. The method of claim 10, wherein said selection mechanism is mounted on said card.

12. The method of claim 10, wherein said selection mechanism is located on said contactless reader.

13. The method of claim 11, wherein providing said selection mechanism comprises providing a switch having a plurality of states.

14. The method of claim 13, wherein determining the state of said selection mechanism comprises:

producing a respective voltage level based on the state of said switch;

translating said voltage level to a digital signal at an input to said processor; and

determining by said processor said respective application, out of said plurality of applications, based on said respective digital signal at said input.

15. The method of claim 13, wherein said switch has two terminals, the first terminal of said switch is connected to ground pin of said smart card and the second terminal of said switch is connected to an input/output pin of said circuitry.

16. The method of claim 10, wherein said processor is able to operate in a contact mode, in a contactless mode and in a mixed contact-contactless mode.

17. The method of claim 16, further comprising:

extracting contact supply voltage from said RF signal;

maintaining contact mode power up sequence; and

engaging said processor in said mixed contact-contactless mode operation so as to enable said processor to determine thereafter the state of said selection mechanism.