Bank card and response process to a transaction request

a bank card and transaction request technology, applied in the field of micro-circuit bank cards, can solve the problems of fastidious operation, minimal security and difficult to use, and specific equipment, and achieve the effect of avoiding the fastidious step, and quick use of bank cards

Inactive Publication Date: 2013-07-04
IDEMIA FRANCE
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Benefits of technology

[0018]Therefore, of other advantages cited by way of non-limitation, the invention allows the deployment of a contactless bank payment solution at less cost because of equipment for input and information processing already widely deployed in user devices or individual public equipment (mobile telephones, computers, tablets equipped with camera).
[0019]It also implements a secure and contactless payment solution which is quick to use for bank transactions. The user avoids the fastidious step of inputting banking information, or information for executing a transaction. He is also protected against possible fraudulent copy of banking information in alphanumeric form on the card which, in the absence of a pictogram coding it, must be recopied during use of the latter in commerce.

Problems solved by technology

This operation is fastidious and requires the user to concentrate and not input incorrect numbers which are long.
The disadvantage of these different solutions is primarily first that of being minimally secure and difficult to utilise for a busy user who is obliged to position his card precisely in front of the camera, and secondly is that it needs specific equipment.

Method used

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  • Bank card and response process to a transaction request
  • Bank card and response process to a transaction request
  • Bank card and response process to a transaction request

Examples

Experimental program
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Embodiment Construction

[0029]FIG. 1 illustrates a bank card 100 according to the invention. This is a card of dimensions 54×85.6×0.76 mm, but other dimensions can be used. It comprises a microcircuit 110 including a controller and memory in a secure assembly with flush contacts.

[0030]On one of its surfaces, here the surface on which the contacts of the microcircuit 110 are flush, the card also presents a two-dimensional barcode 120, responding to the QR standard (Quick Response). Other two-dimensional barcode standards could be used, and a one-dimensional barcode is also a possible variant. A pictogram responding to other coding conventions can also be used, provided it codes information for a transaction.

[0031]This barcode 120 is affixed to the surface of the card via an attached sticker, ink printing on the upper layer of the card, laser etching of the upper layer, or laser processing of a photosensitive layer covered by a protective layer or another physical action which forms a visible diagram by a re...

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PUM

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Abstract

The invention relates to a bank card (100) comprising a presentation surface of a pictogram (120) coding at least one item of information for executing a transaction.

Description

TECHNICAL FIELD AND PRIOR ART[0001]The invention relates to the field of secure payment means, such as for example bank cards, especially microcircuit bank cards.[0002]When a transaction is made in the absence of a payment terminal capable of reading the card by itself, the holder of the card must input his card number on a keypad, and often the security number of the card and the validity date of the latter. This operation is fastidious and requires the user to concentrate and not input incorrect numbers which are long.[0003]Document US2010 / 0008535 discloses a portable electronic device for making payment by bank card simply by optical reading of the surface of the card. The device can be a mobile telephone and utilises recognition of characters printed on the card by means of a camera, application of segmentation of the surface of the card and recognition of characters on the different segments.[0004]Document WO01 / 58080 also discloses a payment card fitted with a ultrasonic transd...

Claims

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Application Information

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Patent Type & Authority Applications(United States)
IPC IPC(8): G06K5/00G06K19/06
CPCG06Q20/3274G06Q20/34G06Q20/342G07F7/025G06K19/06028G06K5/00G06K19/06009G06K19/06037G07F7/0846G06Q20/3223G06Q20/3276G06Q20/4014
Inventor GOUESSANT, HERVE
Owner IDEMIA FRANCE
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