EP0933733A2
Expired / Lapsed
EP
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Method and system of contactless interfacing for smart card banking
Assignee: Citicorp Development Center Inc
•
Filing: 1999-01-29
•
Granted: —
•
Expires: 2019-01-29
Abstract
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.
Inventors
- 👤 Joseph C. Kawan
Bibliographic Details
Application Number
—
Jurisdiction
EP
Data Source
google_patents
Last Synchronized
2026-10-30 09:35
CPC Classifications
G; G06; G06Q; G06Q20/00; G06Q20/30; G06Q20/34; G06Q20/352; G06Q20/08; G06Q20/10; G06Q20/105; G06Q20/108; G06Q20/1085; G06Q20/32; G06Q20/322; G06Q20/3226; G06Q20/327; G06Q20/341; G06Q20/38; G06Q20/40; G06Q20/401; G06Q20/4014; G06Q20/40145; G07; G07F; G07F19/00; G07F19/20; G07F19/201; G07F19/202; G07F7/00; G07F7/08; G07F7/0873; G07F7/088; G07F7/0886; G07F7/10; G07F7/1008; G07F7/1025
Claims Analysis
Total Claims: 78
Claim 1
Independent Claim
44 words
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.
Claim 2
Dependent Claim
16 words
The method of claim 1, wherein initiating the communication
further comprises initiating an infrared communication interface.
Claim 3
Dependent Claim
16 words
The method of claim 1, wherein initiating the communication
further comprises initiating a wireless communication interface.
Claim 4
Dependent Claim
19 words
The method of claim 3, wherein initiating the wireless
communication interface further comprises initiating a radio frequency
communication interface.
Claim 5
Dependent Claim
19 words
The method of claim 4, wherein initiating the radio frequency
communication interface further comprises initiating a proximity communication
interface.
Claim 6
Dependent Claim
28 words
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.
Claim 7
Dependent Claim
27 words
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.
Claim 8
Dependent Claim
13 words
The method of claim 7, wherein the financial institution further
comprises a bank.
Claim 9
Dependent Claim
17 words
The method of claim 1, wherein initiating the communication
further comprises initiating the communication at a terminal.
Claim 10
Dependent Claim
25 words
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.
Claim 11
Dependent Claim
21 words
The method of claim 10, wherein initiating the communication
further comprises initiating the communication through an infrared transceiver of
the terminal.
Claim 12
Dependent Claim
13 words
The method of claim 11, wherein the terminal comprises an
automated teller machine.
Claim 13
Dependent Claim
12 words
The method of claim 11, wherein the terminal comprises a personal
computer.
Claim 14
Dependent Claim
11 words
The method of claim 11, wherein the terminal comprises a
telephone.
Claim 15
Dependent Claim
12 words
The method of claim 11, wherein the terminal comprises a wireless
telephone.
Claim 16
Dependent Claim
21 words
The method of claim 10, wherein initiating the communication
further comprises initiating the communication through a wireless transceiver of
the terminal.
Claim 17
Dependent Claim
18 words
The method of claim 16, wherein the wireless transceiver further
comprises a radio frequency transceiver of the terminal.
Claim 18
Dependent Claim
13 words
The method of claim 17, wherein the terminal comprises an
automated teller machine.
Claim 19
Dependent Claim
12 words
The method of claim 17, wherein the terminal comprises a personal
computer.
Claim 20
Dependent Claim
11 words
The method of claim 17, wherein the terminal comprises a
telephone
Claim 21
Dependent Claim
13 words
The method of claim 20, wherein the telephone further comprises a
wireless telephone.
Claim 22
Dependent Claim
21 words
The method of claim 10, wherein initiating the communication
further comprises initiating the communication through a proximity transceiver of
the terminal.
Claim 23
Dependent Claim
13 words
The method of claim 22, wherein the terminal comprises an
automated teller machine.
Claim 24
Dependent Claim
12 words
The method of claim 22, wherein the terminal comprises a personal
computer.
Claim 25
Dependent Claim
11 words
The method of claim 22, wherein the terminal comprises a
telephone.
Claim 26
Dependent Claim
13 words
The method of claim 25, wherein the telephone further comprises a
wireless telephone.
Claim 27
Dependent Claim
32 words
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.
Claim 28
Dependent Claim
13 words
The method of claim 27, wherein the terminal comprises an
automated teller machine.
Claim 29
Dependent Claim
12 words
The method of claim 27, wherein the terminal comprises a personal
computer.
Claim 30
Dependent Claim
11 words
The method of claim 27, wherein the terminal comprises a
telephone.
Claim 31
Dependent Claim
13 words
The method of claim 30, wherein the telephone further comprises a
wireless telephone.
Claim 32
Dependent Claim
25 words
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.
Claim 33
Dependent Claim
17 words
The method of claim 27, wherein the personal data assistant further
comprises an electronic purse or wallet.
Claim 34
Dependent Claim
31 words
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.
Claim 35
Dependent Claim
13 words
The method of claim 34, wherein the terminal comprises an
automated teller machine.
Claim 36
Dependent Claim
12 words
The method of claim 34, wherein the terminal comprises a personal
computer.
Claim 37
Dependent Claim
11 words
The method of claim 34, wherein the terminal comprises a
telephone.
Claim 38
Dependent Claim
12 words
The method claim 37, wherein the telephone further comprises a
wireless telephone.
Claim 39
Dependent Claim
19 words
The method of claim 1, wherein verifying the authorization further
comprises verifying the authorization by a personal data assistant.
Claim 40
Dependent Claim
17 words
The method of claim 1, wherein verifying the authorization further
comprises verifying the authorization by a terminal.
Claim 41
Dependent Claim
21 words
The method of claim 40, wherein verifying the authorization
further comprises verifying the authorization by a terminal of the on-line system.
Claim 42
Dependent Claim
18 words
The method of claim 1, wherein verifying the authorization further
comprises verifying the authenticity of the smart card.
Claim 43
Dependent Claim
17 words
The method of claim 1, wherein verifying the authorization further
comprises checking security information for the user.
Claim 44
Dependent Claim
17 words
The method of claim 43, wherein checking security information
further comprises receiving security information for the user.
Claim 45
Dependent Claim
18 words
The method of claim 44, wherein receiving security information
further comprises receiving a PIN number for the user.
Claim 46
Dependent Claim
17 words
The method of claim 44, wherein receiving security information
further comprises receiving biometric information for the user.
Claim 47
Dependent Claim
19 words
The method of claim 44, wherein receiving security information
further comprises receiving the security information on an input/output device.
Claim 48
Dependent Claim
25 words
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.
Claim 49
Dependent Claim
16 words
The method of claim 48, wherein the personal data assistant
comprises an electronic purse or wallet.
Claim 50
Dependent Claim
22 words
The method of claim 47, wherein receiving the security information
further comprises receiving the information through the input/output device of a
terminal.
Claim 51
Dependent Claim
13 words
The method of claim 50, wherein the terminal comprises an
automated teller machine.
Claim 52
Dependent Claim
12 words
The method of claim 50, wherein the terminal comprises a personal
computer.
Claim 53
Dependent Claim
11 words
The method of claim 50, wherein the terminal comprises a
telephone.
Claim 54
Dependent Claim
13 words
The method of claim 52, wherein the telephone further comprises a
wireless telephone.
Claim 55
Dependent Claim
18 words
The method of claim 1, wherein communicating the information
further comprises receiving the information through an input/output device.
Claim 56
Dependent Claim
23 words
The method of claim 55, wherein receiving the information further
comprises receiving the information through the input/output device of a personal
data assistant.
Claim 57
Dependent Claim
16 words
The method of claim 56, wherein the personal data assistant
comprises an electronic purse or wallet.
Claim 58
Dependent Claim
21 words
The method of claim 55, wherein receiving the information further
comprises receiving the information through the input/output device of a terminal.
Claim 59
Dependent Claim
13 words
The method of claim 58, wherein the terminal comprises an
automated teller machine.
Claim 60
Dependent Claim
12 words
The method of claim 58, wherein the terminal comprises a personal
computer.
Claim 61
Dependent Claim
11 words
The method of claim 58, wherein the terminal comprises a
telephone.
Claim 62
Dependent Claim
13 words
The method of claim 61, wherein the telephone further comprises a
wireless telephone.
Claim 63
Dependent Claim
50 words
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.
Claim 64
Dependent Claim
15 words
The system of claim 63, wherein the initiating means comprises an
infrared interface communication device.
Claim 65
Dependent Claim
15 words
The system of claim 63, wherein the initiating means comprises a
wireless interface communication device.
Claim 66
Dependent Claim
16 words
The system of claim 63, wherein the initiating means comprises a
radio frequency interface communication device.
Claim 67
Dependent Claim
19 words
The system of claim 63, wherein the remote application comprises
the smart card application on a smart card microprocessor.
Claim 68
Dependent Claim
12 words
The system of claim 63, wherein the initiating mean comprises a
terminal.
Claim 69
Dependent Claim
13 words
The system of claim 68, wherein the terminal comprises an
automated teller machine.
Claim 70
Dependent Claim
12 words
The system of claim 68, wherein the terminal comprises a personal
computer.
Claim 71
Dependent Claim
11 words
The system of claim 68, wherein the terminal comprises a
telephone.
Claim 72
Dependent Claim
15 words
The system of claim 63, wherein the on-line system comprises a
bank host on-line system.
Claim 73
Dependent Claim
14 words
The system of claim 63, wherein the communicating means
comprises a personal data assistant.
Claim 74
Dependent Claim
16 words
The system of claim 73, wherein the personal data assistant
comprises an electronic purse or wallet.
Claim 75
Dependent Claim
12 words
The system of claim 63, wherein the communicating means
comprises a terminal.
Claim 76
Dependent Claim
13 words
The system of claim 75, wherein the terminal comprises an
automated teller machine.
Claim 77
Dependent Claim
12 words
The system of claim 75, wherein the terminal comprises a personal
computer.
Claim 78
Dependent Claim
11 words
The system of claim 75, wherein the terminal comprises a
telephone.
References Cited (Backward Citations)
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