WO2001075815A2 - Kartenterminal und verfahren zum betreiben eines kartenterminals - Google Patents
Kartenterminal und verfahren zum betreiben eines kartenterminals Download PDFInfo
- Publication number
- WO2001075815A2 WO2001075815A2 PCT/EP2001/003055 EP0103055W WO0175815A2 WO 2001075815 A2 WO2001075815 A2 WO 2001075815A2 EP 0103055 W EP0103055 W EP 0103055W WO 0175815 A2 WO0175815 A2 WO 0175815A2
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- card
- card terminal
- function
- terminal
- network
- Prior art date
Links
Classifications
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/355—Personalisation of cards for use
- G06Q20/3552—Downloading or loading of personalisation data
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/357—Cards having a plurality of specified features
- G06Q20/3576—Multiple memory zones on card
Definitions
- Card terminal and method for operating a card terminal
- the invention is based on a method for operating a card terminal according to the preamble of claim 1 and a card terminal with the features mentioned in the preamble of claim 13.
- the invention further relates to the use of a card having at least one card function with at least one non-volatile data memory.
- Card terminals of this type have a card reader and a data processing device, card readers and this device being connected to one another. These card terminals are implemented, for example, as automated teller machines, in which a customer can carry out banking transactions with a corresponding card.
- Cards of this type which are also referred to as smart cards, have at least one card function.
- the cards have a function, for example, to receive cash from these machines.
- the card has a non-volatile data memory in which customer-specific data are stored. This includes, for example, the account number or the like. In most cases they are on the Card stored data stored encrypted, so that undesired access by third parties is at least difficult.
- the known card terminal In order to be able to use the card function, the known card terminal has an execution or application program correspondingly stored in it. This program supports the card function or enables it to be executed at the card terminal.
- the known card terminal is thus defined for a specific card function. The known card terminal is therefore not very flexible.
- This card terminal is provided for a card which has at least one card function and has a non-volatile data memory.
- the method according to the invention is characterized in that the card terminal first determines the card function and that the card terminal is then configured in software as a function of the card function. After inserting the card into the card terminal - as mentioned above - the card function is first determined, in order to then load a corresponding configuration means into the card terminal depending on this card function. sen.
- Such configuration means can be, for example, so-called card drivers, which enable the card terminal to communicate with the inserted card.
- the software configuration therefore consists in reading at least one configuration means into the card terminal.
- the method according to the invention is thus characterized in that the card terminal has a high degree of flexibility, since the corresponding configuration means is loaded into the card terminal only after the card function has been determined.
- the same card terminals can thus be made available in hardware terms for different cards or different card functions. It is only through the software configuration according to the invention that the card terminal is then adapted to the corresponding card function, so that the desired user function can be carried out.
- a particularly preferred exemplary embodiment is distinguished by the fact that for the configuration via a network interface of the card terminal a communication connection to one of the Map function assignable network element is built.
- the configuration means can then be stored in this network element and is then loaded into the card terminal via the network in order to be able to be processed there. It is therefore possible to always be able to provide or execute the desired card function at any location of the card terminals in a network which has several card terminals.
- the network element transmits at least one configuration means to the card terminal depending on the card function determined.
- This configuration means can be a card driver that enables communication between the card terminal or card reader and the card. It is therefore possible in a particularly preferred embodiment to equip the card terminal with a “minimal software” which only allows the card function to be determined when the card is inserted. The card driver is then loaded to enable further communication with the card.
- the card function is determined by means of at least one identification stored on the card.
- Each card has at least one identification assigned only to this card, it being possible for each identification to be stored in the non-volatile data memory as a combination of letters and / or numbers.
- the at least one identification can also be stored in encrypted form.
- this at least one identification is read out via the card terminal and at least one card function is determined as a function thereof. It can therefore be provided that the at least one identification stored on the card is designed in such a way that the card function can be clearly identified.
- the card terminal determines the network address of the network element from the identification.
- the identification can therefore be coded accordingly, so that there is a clear assignment to a network address in order to be able to easily determine and also address the corresponding network element.
- the card terminal uses the identification to determine request parameters which are forwarded to the network element in order to receive from the network element at least the configuration means assigned to the card function, which is then processed in the card terminal. If, for example, several card functions are stored on the card or if a single card function requires several configuration means, these can be obtained from the network element via the corresponding request parameters.
- the card terminal establishes a communication connection to several network elements, preferably one after the other, depending on the card function and / or the configuration means already received. It is thus possible, after reading out the identification, to determine a network element via which configuration means can be obtained, and then to establish a communication link to another network element in order to obtain further configuration means.
- At least one of the configuration means is a configuration program, which is also referred to as a card driver, with which the card terminal can communicate with the card.
- At least another of the configuration means can be an execution or application program with which the card function can be executed or supported. These execution programs are also referred to as applications.
- the desired card function can therefore be provided at any card terminal in the network.
- At least one of the configuration means can be a network address of the one network element or a further network element.
- the network address of a network element is determined, for example to which several network addresses assigned to the corresponding card function are stored. Accordingly, the network address assigned to the card function is selected and transmitted to the card terminal, which can then use this network address to address the further network element in order to obtain an execution program assigned to this card function.
- At least one of the configuration means mentioned above is stored on the card.
- At least one execution program can also be stored on the card.
- This object is also achieved with a card terminal which has the features mentioned in claim 13.
- This card terminal has a card reader and a data processing device in which at least one configuration means can be processed.
- the card terminal is provided for a card having at least one card function with a non-volatile data memory.
- the card terminal according to the invention is characterized in that it has a device for determining the card function and that the data processing device is designed to be software-configurable depending on the card function.
- This data processing facility can therefore comprise a working memory into which at least one configuration means can be loaded, which can then be processed in a computing unit in order to be able to carry out or support the card function.
- the card terminal according to the invention is also characterized by a high degree of flexibility. It is particularly intended for carrying out the above-mentioned method.
- the card terminal In order to be able to configure the card terminal in software, in a further development of the invention it has a network interface which enables a communication connection to be established to a network element in which at least one of the configuration means is stored.
- This object is also achieved using a card having at least one card function with at least one data memory, the software configuration of a card terminal being carried out when the card is used.
- the card at least allows access to the card terminal in order to be able to determine the card function.
- At least one configuration means can be stored on the card or in the data memory.
- the identification stored on the card can be read out by a card terminal, whereupon the software configuration of the card terminal is carried out as a function of this identification. It is of course possible to store, preferably encrypted, security codes on the card, which are queried by the card terminal before various procedural steps in order to avoid unauthorized use of the card.
- FIG. 1 shows a card terminal
- FIG. 2 shows a procedure for the software configuration of the card terminal according to FIG. 1, and
- FIG. 3 shows a network with at least one card terminal according to FIG. 1.
- FIG. 1 shows a card terminal 1 which has a data processing device 2 which comprises a working memory 3, an arithmetic unit 4 and a device 5 for determining a card function.
- the device 2 is connected to a card reader 6, which forms a hardware interface between the device 2 and a card 7 that can be inserted into the card reader 6.
- the card reader 6 forms a hardware interface between the device 2 and a card 7 that can be inserted into the card reader 6.
- the card terminal 1 can be implemented as an external device or can be integrated into the card terminal 1, as is indicated by dashed lines in FIG. 1.
- the card terminal 1 also has a network interface 8 on, which is connected on the one hand to the device 2 and on the other hand to a network 9, which can be designed as a local area network (LAN) or also as a long-distance network, for example the Internet.
- LAN local area network
- At least one further network element 10 is connected to the network 9 in addition to the card terminal 1. Data transmission between the network 9 and the card terminal 1 and between the network 9 and the network element 10 is possible in each case in a bidirectional direction.
- the card 7 has a non-volatile data memory 11, which can be designed as a magnetic strip or, as shown in FIG.
- the card 7 has at least one card function 12, 13 or 14, the information unit associated with the card function 12, 13 or 14 being stored in the data memory 11 as a program code.
- the card 7 has three card functions; Of course, more or fewer card functions 12, 13, 14 can be contained on the card 7.
- the data memory 11 is implemented as a chip, it can also include a data processing processor, so that an "intelligent" card 7 is present.
- a method for operating the card terminal 1 is described below with reference to FIG. 2: After the card 7 has been inserted into the card reader 6, the device 5 first determines the at least one card function 12, 13 or 14. This is preferably done by Data storage 11 stored identification I, which is also referred to as an identification string, from the Card 7 is read out. This takes place in particular in that the card or the data memory 11 is reset to a defined state, whereupon the data memory 11 delivers the aforementioned identification I to the device 5.
- This identification I which is also referred to as the ATR (Answer To Reset) string, is thus delivered as a result as part of the standardized reset process of the card 7.
- the card terminal 1 maps at least the following information units: the network address ADR 1 of the network element 10 and parameters for a request to this network element 10.
- the card terminal 1 uses this network address ADRI to establish a communication connection with this network element 10 and gives one Request for this item 10 on.
- This request comprises the parameters and information about the device 2, for example in order to receive information from the network 10 in a corresponding format.
- information assigned to these parameters is selected from the network element 10 and sent back to the card terminal.
- This information contains at least one configuration means K, which is processed in the device 2.
- a configuration means K1 is, for example, a configuration program, which is also referred to as a card driver. This configuration means K1 is implemented in the device 2.
- the device 2 uses communication with the card 7 to determine at least one further network address ADR2, ADR3 or the ADR4 and corresponding request parameters in order to receive at least one further configuration means K from at least one further network element 15, 16 or 17, which can be an execution program K2, for example.
- the execution program K2 (application) enables the terminal-side execution of at least one of the card functions 12, 13 or 14.
- the configuration means K obtained from the network elements 10, 15, 16, 17 are processed in the device 2, also referred to as the execution platform, in order to be able to support the desired card function.
- Each configuration means K is given access to communication with the corresponding card function 12, 13 or 14, also referred to as an application.
- Each configuration means can also have access to the network interface 8 in order to be able to independently request further configuration means K via the network 9.
- all configuration means K1 and K2 can be requested by a single network element 10, 17, 16 or 15.
- each configuration means K - as shown in FIG. 2 - is offered by one of the network elements 10, 15, 16 or 17.
- the card terminal 1 has at least one ATR (Answer To Reset) mapping mechanism which is implemented in the device 5.
- the card terminal 1 has the execution platform 2 in order to be able to execute quasi mobile code, that is to say the configuration means K.
- the Written card terminal 1 is thus versatile software configurable, especially as a result of inserting the card 7 into the card reader 6, whereby the corresponding card function 12, 13 or 14 can be determined via the device 5.
- the configuration means K to be processed for communication with the card 7 and the execution platform 2 to be processed can then be downloaded via the network 9, so that the card terminal 1, which is virtually inoperative before the card is inserted, is only activated by the software configuration.
- the card terminal 1 therefore only has "minimal software” which makes it possible to determine the card function 12, 13 or 14. Only after this card function has been determined and corresponding configuration means have been received via the network 9 is the card terminal 1 "intelligent" and can support the at least one card function 12, 13, 14 on the terminal side.
- the ATR mapping mechanism to be carried out with the device 5 could be imagined as the mapping of the identification I to at least one specifiable network address ADRI, ADR2, ADR3 or ADR4, behind which a server accessible in the network 9 is concealed with this fixed address.
- the request to this network element 10, 15, 16, 17 could be implemented with an HTTP request parameterized by the ATR string and the information from the execution platform 2, to which the server returns the corresponding configuration means K dynamically, that is to say independently. If several ATR mapping mechanisms are provided, each mapping mechanism can be assigned at least one identification I (ATR string), which can in each case be assigned to at least one network address ADR.
- the execution platform 2 could, for example, be similar to a Java applet platform of an ordinary web browser (Netscape, Internet Explorer etc.), into which Java applications can be dynamically downloaded and activated.
- the essential difference here is the possibility of the configuration means K in the card terminal 1 being able to communicate with the corresponding card function 12, 13 or 14 or the corresponding card.
- Other execution platforms are equally conceivable.
- Information about the execution platform could be used, for example, to deliver a driver suitable for the execution platform.
- the card terminal 1 can therefore potentially operate all cards for which suitable configuration means K, preferably in the network 9, are stored and which can be localized via the ATR mapping mechanism, that is to say via the identification I. However, it would also be possible to store at least one configuration means K on the card 7.
- configuration means K are activated in the execution platform 2, this can be able to carry out further activities independently. These include, for example, Find out the applications 12, 13, 14 available on the card and initiate the activation of the corresponding configuration means K.
- the configuration means K can offer a service interface in the network 9, by means of which the applications 12, 13, 14 on the card 7 are addressed by another network element in the network 9.
- the configuration means K which can be assigned to the corresponding applications 12, 13, 14 on the card 7 to operate proactively, that is to carry out further activities independently, and to take the necessary actions to enable their range of services.
- these applications 12, 13, 14 could ensure that the service of the card 7 is offered within a network.
- This means that applications 12, 13, 14 stored on a card 7 can also be offered via the network 9 to other card terminals 1 connected to the network 9.
- the applications 12, 13 or 14 stored on the card 7 can thus form the software configuration means for at least one further card terminal.
- FIG. 3 shows a network 18 which comprises at least two card terminals 1 and at least one network element 10 to 17. These elements are connected to one another via a local network 9 '.
- the network 9 ' can be connected to a wide area network 9'', preferably the Internet, via a network server 19.
- configuration means K can be addressed via the network elements 10 to 17 of the local network 9 'and / or also via network elements 10' to 17 'of the Internet 9'', in order to configure the means at least one of the card terminals 2 to be able to provide.
- at least one card terminal 1 is connected to the Internet 9 ′′.
Abstract
Description
Claims
Priority Applications (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
JP2001573416A JP4870311B2 (ja) | 2000-03-30 | 2001-03-16 | カード端末およびカード端末を動作させるための方法 |
EP01923676.9A EP1350230B1 (de) | 2000-03-30 | 2001-03-16 | Kartenterminal und verfahren zum betreiben eines kartenterminals |
ES01923676.9T ES2583954T3 (es) | 2000-03-30 | 2001-03-16 | Terminal de tarjetas y procedimiento para operar un terminal de tarjetas |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
DE10015775.0 | 2000-03-30 | ||
DE10015775A DE10015775A1 (de) | 2000-03-30 | 2000-03-30 | Kartenmaterial und Verfahren zum Betreiben eines Kartenterminals |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2001075815A2 true WO2001075815A2 (de) | 2001-10-11 |
WO2001075815A3 WO2001075815A3 (de) | 2003-07-24 |
Family
ID=7636940
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/EP2001/003055 WO2001075815A2 (de) | 2000-03-30 | 2001-03-16 | Kartenterminal und verfahren zum betreiben eines kartenterminals |
Country Status (6)
Country | Link |
---|---|
US (1) | US20030056019A1 (de) |
EP (1) | EP1350230B1 (de) |
JP (1) | JP4870311B2 (de) |
DE (1) | DE10015775A1 (de) |
ES (1) | ES2583954T3 (de) |
WO (1) | WO2001075815A2 (de) |
Cited By (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
EP1376457A1 (de) * | 2002-06-26 | 2004-01-02 | Nokia Corporation | Verfahren, System und Computerprogrammprodukt zur Personalisierung der Funktionen eines persönlichen Kommunikationsgerätes |
WO2004003863A1 (en) * | 2002-06-27 | 2004-01-08 | Igt | Scan based configuration control in a gaming environment |
US8170615B2 (en) | 2002-06-17 | 2012-05-01 | Nokia Corporation | Method and device for storing and accessing personal information |
US8323103B2 (en) | 2005-08-17 | 2012-12-04 | Igt | Scan based configuration control in a gaming environment |
US9311772B2 (en) | 2004-10-04 | 2016-04-12 | Igt | Jackpot interfaces and services on a gaming machine |
Families Citing this family (7)
Publication number | Priority date | Publication date | Assignee | Title |
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DE10215005A1 (de) * | 2002-04-05 | 2003-10-23 | Giesecke & Devrient Gmbh | Konfigurieren eines Zahlungsverkehrsterminals |
US20040010446A1 (en) * | 2002-07-08 | 2004-01-15 | Marko Vanska | Mobile customer relationship management |
US7274909B2 (en) * | 2002-10-31 | 2007-09-25 | Nokia Corporation | Method and system for selecting data items for service requests |
US7072672B1 (en) | 2002-11-01 | 2006-07-04 | Nokia Corporation | Disposable mini-applications |
US20040093274A1 (en) * | 2002-11-08 | 2004-05-13 | Marko Vanska | Method and apparatus for making daily shopping easier |
US7304585B2 (en) * | 2004-07-02 | 2007-12-04 | Nokia Corporation | Initiation of actions with compressed action language representations |
JP6374666B2 (ja) * | 2014-02-19 | 2018-08-15 | キヤノン株式会社 | 通信装置およびその制御方法、ならびにプログラム |
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-
2000
- 2000-03-30 DE DE10015775A patent/DE10015775A1/de not_active Ceased
-
2001
- 2001-03-16 JP JP2001573416A patent/JP4870311B2/ja not_active Expired - Fee Related
- 2001-03-16 US US10/240,033 patent/US20030056019A1/en not_active Abandoned
- 2001-03-16 ES ES01923676.9T patent/ES2583954T3/es not_active Expired - Lifetime
- 2001-03-16 EP EP01923676.9A patent/EP1350230B1/de not_active Expired - Lifetime
- 2001-03-16 WO PCT/EP2001/003055 patent/WO2001075815A2/de active Application Filing
Patent Citations (3)
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EP0446081A1 (de) | 1990-01-25 | 1991-09-11 | Gemplus Card International | Verfahren zum Anwenderprogrammladen in einem Speicherkartenleser mit Mikroprozessor sowie System zur Durchführung dieses Verfahrens |
WO1998009256A1 (de) | 1996-08-30 | 1998-03-05 | Siemens Aktiengesellschaft | Verfahren zur vorbereitung der durchführung einer chipkarten-applikation und vorrichtungen zur durchführung dieses verfahrens |
GB2326010A (en) | 1997-06-07 | 1998-12-09 | Ibm | Data processing system using active tokens |
Cited By (7)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US8170615B2 (en) | 2002-06-17 | 2012-05-01 | Nokia Corporation | Method and device for storing and accessing personal information |
EP1376457A1 (de) * | 2002-06-26 | 2004-01-02 | Nokia Corporation | Verfahren, System und Computerprogrammprodukt zur Personalisierung der Funktionen eines persönlichen Kommunikationsgerätes |
WO2004003863A1 (en) * | 2002-06-27 | 2004-01-08 | Igt | Scan based configuration control in a gaming environment |
US7909699B2 (en) | 2002-06-27 | 2011-03-22 | Igt | Scan based configuration control in a gaming environment |
US9311772B2 (en) | 2004-10-04 | 2016-04-12 | Igt | Jackpot interfaces and services on a gaming machine |
US9640035B2 (en) | 2004-10-04 | 2017-05-02 | Igt | Jackpot interfaces and services on a gaming machine |
US8323103B2 (en) | 2005-08-17 | 2012-12-04 | Igt | Scan based configuration control in a gaming environment |
Also Published As
Publication number | Publication date |
---|---|
WO2001075815A3 (de) | 2003-07-24 |
JP4870311B2 (ja) | 2012-02-08 |
DE10015775A1 (de) | 2001-10-04 |
EP1350230A2 (de) | 2003-10-08 |
US20030056019A1 (en) | 2003-03-20 |
JP2004513407A (ja) | 2004-04-30 |
ES2583954T3 (es) | 2016-09-23 |
EP1350230B1 (de) | 2016-05-11 |
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