Payment system and sim card and smart card substrate set. RU patent 2520324.
 Complex system for counterfeit protection of commodity / 2519564System comprises a rights holder client office, a consumer interface, an intellectual property audit and registration unit, a unit for producing identification labels, a system administrator unit equipped with a database forming module, an identification label verification module and a statistics and analysis module, a unit for detecting and intercepting distribution points of counterfeit products, a marketing communications unit and a consumer information support unit. |
 Combinatorial portfolio aggregations in electronic trade / 2518995Invention relates to data processing means, particularly combinatorial portfolio aggregation in electronic trade. The method involves receiving data associated with an offer for possession of at least one part of an item for a period of time, receiving additional data associated with at least one additional offer for possession of the at least one part of the item for at least one additional period of time, said period of time and the at least one additional period of time being non-concurrent, selectively aggregating said offer with the at least one additional offer into a portfolio offer for the at least one part of the item, and based on predetermined criteria, determining that the portfolio offer is a winning portfolio offer. |
 System and method for processing card fees / 2518983Invention relates to processing systems for issuance of cards with fee options applicable to a group of fee types. The processing system includes a processing module, a secure card network, an issuer fee database and card account database. The card issuance database is operable to store a fee record associated with a card, wherein the fee record includes the fee options configured to apply to the group of fee types. The card account database contains card account records for the card, wherein the card account record includes a universal fee access counter for tracking parameters associated with the fee options configured to apply to the group of fee types. |
 System and method for processing payment transaction receipts / 2518931Invention relates to methods and a server computer for processing electronic payment receipts. The server computer has an enrolment module, having enrolment information associated with an account for a portable consumer device of a consumer and indicating enrolment in a program for processing electronic payment receipts, a payment processing module for receiving an authorisation request message associated with the transaction of the portable consumer device, wherein the authorisation request message includes transaction information associated with the portable consumer device and for determining if the account associated with the portable consumer device is enrolled in the program for processing electronic payment receipts, and a mobile gateway module for sending an electronic payment receipt to the consumer if the enrolment information indicates that the account is enrolled in the program for processing electronic payment receipts, wherein the electronic payment receipt has financial data associated with the transaction. |
 Verification of portable consumer devices / 2518680Invention relates to verification of portable consumer devices. A verification token is connected to a computer by a USB connection in order to use networking facilities of the computer. The verification token reads identification information from a user portable consumer device and sends the information to a validation entry over a communication network using the networking facilities of the computer. The validation entity applies one or more validation tests to the information which it receives from the verification token. If a selected number of tests are passed, the validation entity sends a device verification value to the verification token, and optionally to a payment processing network. The verification token may enter the device verification value into a CVV field of a web page appearing on the computer display, or may display the value to the user using the computer display. |
 Method and apparatus for providing content via network, method and apparatus for receiving content via network, method and apparatus for backing up data via network, device for providing backup data and backup system / 2518675Invention relates to methods and apparatus for providing content via a network. The method comprises: storing original content in a predetermined storage device; modifying attributes of the original content to generate modified content; generating metadata including location information of the storage device in which the original content is stored; and providing the modified content and the metadata to a device interconnected via a network, wherein the metadata further include device metadata relating to information about transfer history details when modified content is transferred between different devices, and editing history relating to information about edited details of modified content. |
 System and method of preparing, arranging and packaging of foodstuffs / 2518543System comprises a point of arranging and packaging of foodstuffs, having a first working area of arranging of the foodstuff and packaging the arranged foodstuff, and a point of arranging the orders for dishes, having a second working area of arranging the orders for dishes, in which the foodstuff is placed, packed on the first working surface. Below the first working area the conveyor is located, which extends from a position near the first working area to a position near the second work area. Near the first working area there is an opening for access to the conveyor, allowing the personnel access to the conveyor for the purpose of manual loading of the foodstuff on the conveyor, arranged and packed in the first working area, for its transportation below the first working area to a position near the point of arranging the orders for dishes. |
 Data exchange method / 2517697Invention relates to exchange of data between at least two servers using a gateway. Each server has a unique federative identifier, said identifier identifying a single patient (P). By creating one session pseudonym for each pair of a providing server (12), which stores relevant patient data, and a requesting server (10) and by formatting the input session identifier associated with the requesting server and the output session identifier associated with the providing server for each session pseudonym, the servers can exchange anonymous data with each other. Patient data are transmitted from at least one providing server to a requesting server, and all session pseudonyms are replaced at the requesting server with an identifier of the requesting server for the patient (P). |
 Dispensation of medicines in hospital / 2517680Invention relates to computation, particularly, to dispensation of medicines in hospitals. Method of distribution of different medicines between several patients comprises the steps that follow. Receipt of request from individual patient for medicine. Definition if requested medicine is an extra medicine. Confirmation via protected device arranged in individual patient cubicle of compatibility of requested medicine with medicines taken by individual patient at present. Selective dispensation of requested medicine solely in the case if requested medicine is the extra medicine compatible with medicines taken by individual patient at present, via protected stationary device. Displacement of the mobile device carrying obligatory medicines for several patients between cubicles. Dispensation of one of obligatory medicines via said mobile device. |
 Info system for industrial machines / 2517334Invention relates to computer-aided allotment of priorities for timely maintenance of controlled industrial machine fleet. Proposed method comprises receipt by server computer of data on industrial machine via wireless channel from multiple industrial machines. Received data is stored in data storage to be accessed from the server computer. Hierarchical organisation structure is used which includes final level, multiple mid levers and multiple detailed levels for description of said fleet. Adjustable reference magnitude is stored for detailed level index. Mid and summary state indices are associated with mid and final levels. States are set and mid and final state indices are related with preset selected states. Previous data on industrial machine is processed to define said mid and final indices. Data is transmitted to user's interface for fleet control priorities allotment on the basis of final and mid indices. |
 System for situation-based analysis of passenger transportations / 2267810System has block for selection of database addresses, block for forming recording signals and reading server database, block for controlling selection of data, first and second registers, block for comparing codes, five blocks for selecting record parameters, memory block, first group memory block, second group memory block, third group memory block. |
| Method for realization of additional useful effect of consumer goods, consumer goods and data bank / 2268492 Method for realization of additional useful effect includes dispensing an individual code to consumer, providing access to commonly accessed data transfer network by means of appropriate data processing device, while wherein a software storage is present. Access to storage is performed by means of individual code, launched selected software remains accessible for a certain time, and after anticipated number of accesses individual code is blocked for any further access. |
 Method for remote selling of goods and system for performing the same / 2268635Method involves selling goods by way of selling system comprising stores, distributing center and selling terminal chain; transmitting signals from buyer communication means to store communication means, said signals containing information on goods ordered by buyers, and transmitting signals from buyer communication means to store and/or distributing center, said signals containing information on selling terminals selected by buyers; preparing in stores ordered goods for sending and sending said goods to distributing center and further from distributing center to selling terminals selected by buyers; also transmitting signals from store communication means to selling terminal communication means, said signals containing information on buyers orders, and/or transmitting information carriers from stores to selling terminals, said information carriers containing information on buyers orders, with goods being stored in selling terminals and dispensed therefrom to buyers. Also disclosed is goods remote selling system. |
 Method and device for rule notification / 2269156Method includes stages: transferring from system to user computer a notification, that object confirmed agreement to sanctioned confidentiality and data protection rules; receipt by system of confirmation of individual of receipt of object by server or confirmation, that object will receive and use personal data in accordance to laws active in the country where individual or object is located; transferring by system to server of data object about agreement of individual to aforementioned receipt; receipt of data object from server, containing personal data of individual; periodical check of agreement of object. |
| Method for performing computerized economic subjects exam / 2269157 Method includes forming on machine-readable carrier of database of simplified informative-mathematical models of operation of industries or organizations, aforementioned carrier is given to examinee with notification of variant, data are selected from database for forming more precise model of operation of organization or industry. From server along Internet network information about current values of macro- and micro-economical coefficients of country and the world are received, on basis of which examinee develops dependencies, allowing process calculations pertaining to financial and managing activities of organization or industry in given time interval, recording aforementioned dependencies on machine-readable carrier and checking these by examiner. |
 Methods and device for optimization of feeding of house pets / 2269158Device is made for producing care products for house pets in accordance to client requests, including food for house pets, wherein integrated client interface is used, based on the Internet, and controlling process for a series of actions, device is configured for receipt of individual data about house pets, receipt of orders for appropriate care product for house pets for each buyer, controlling equipment operation during production for processing each request, care products for house pets in accordance to requirements of each client, and for tracking product delivery through delivery system to house of client. |
 Method for performing an interactive game / 2269159Each user is provided with means for identification as game participant, provided with a mark. As a mark, optical signal source is used. Positioning of device for receiving optical signals is performed relatively to multiple users. Source position of identification means of game participant is held relatively to means for receiving optical signals in accordance to game conditions. Game objects and rules are given to participants and game start signal is given. User targets his mark to appropriate means for receiving optical signals. Optical signals are received from game participants and received optical signals are registered in registration device. Signals are processed in accordance to given program and results are outputted on an information carrier. |
 Device for processing documents / 2269160Device has detector system for detecting characteristic signs of documents, controlling system for realization functions, connected to information, received by detector system and/or to documents processing method, aforementioned system includes memorizing device for storing a set of codes, each of which corresponds to appropriate function, and is made with possible permission of function use, if it is confirmed that transferred permitting code corresponds to one of stored function codes. |
 Trading information-analytic system / 2271571System has authorization and registration block, roles block, block for controlling price offers, price forming block, block for controlling formulas, logistics block, block for controlling agreements, block for finding goods and making agreements, ordering block, block for accepting, block for forming goods movement graphs, display block, block for forming characteristics of goods and goods batches, block for controlling goods, block for purchasing goods, payment block, block for registering goods at warehouses, balances block, notifications block, documents registration block, block for payments and determining payments, automatic procedures block, activation block, analytics block, goods card block, marketing block, participants block, sells block. |
 Information effect system of information-marketing centers in integrated infrastructure of electronic trading / 2271572System has three registration devices, two adders, block for selecting supporting recording address, block for selecting supporting reading address, block for selecting query source address, block for selecting current record address, block for forming temporal period address, block for forming database addresses, block for controlling recording and reading of data and data dispensing block. |
FIELD: radio engineering, communication.
SUBSTANCE: payment system comprises a payment terminal, an information processing centre connected to said payment terminal, a smart card and a mobile communication means. The information processing centre is capable of transmitting and receiving messages by mobile communication. The SIM card of the mobile communication means is provided with a substrate having a microcontroller and a transceiver with an antenna and is formed with contact interfaces for connection to the SIM card and to the mobile communication means, wherein the substrate is fit into a socket of the mobile communications means. The smart card is equipped with an analogous transceiver with an antenna for data exchange with the substrate of the SIM card over a radio channel.
EFFECT: using of any mobile communication means which uses a SIM card when making payments.
11 cl, 3 dwg
The technical field
The present invention relates to payment systems, which provide for the use of smart cards and mobile communications.
Prior art
From the technical level, see the international publication WO 2009/039419 from 26.03.2009 the international application PCT/US2008/077089 known payment system, including payment terminals, the associated information processing center, smart card and means of mobile communication while processing center made with the possibility of sending and receiving messages by mobile communication and means of mobile communication and smart card made with the ability to communicate with each other over the air.
The disadvantage of the payment system is the need for mandatory use of the mobile means of communication, made with bluetooth (Bluetooth), which limits the use of this payment system.
In the existing level of technology is not identified a set of smart card and a substrate for the SIM (SIM - Subscriber Identification Module) card. However, known smart card made with the possibility of communicating with the means of mobile connection, see the international publication WO 2009/039419 from 26.03.2009 the international application PCT/US2008/077089, and the substrate for a SIM card with an embedded microcontroller, for example, see the patent US 6775725 from 10.08.2004 and patent US 7303137 from 04.12.2007.
The disadvantage of smart cards and known substrates for SIM cards is that they can't communicate, and between them there is no radio channel.
Disclosure of the invention
The technical result, to achieve the stated payment system, is the possibility of using this system of any means of mobile connection that uses a SIM card. This technical result is achieved thanks to a universal means of a base for the SIM card, which provides data exchange with the smart card, and more precisely, thanks to the set of smart card and a substrate for the SIM card.
The technical result, achieved in the proposed set of smart card and a substrate for the SIM card, is that between them implemented data exchange. Meanwhile, the application of universal because it can be used in the payment system practically any user mobile communications.
This technical result is achieved in the payment system, including payment terminals, the associated information processing center, smart card and means of mobile communication with SIM card, while the processing center made with the possibility of sending and receiving messages by mobile communication and means of mobile communication and smart card made with the ability to communicate with each other over the air, because the SIM card of the mobile communication is equipped with a wafer made with the contact interfaces, printed on both sides of the substrate, to connect to the SIM card and the means of mobile communication, chip and transceiver with antenna to communicate with the smart card over the air.
Communication between the smart card and mobile means of communication can be carried out in the high frequency range radio waves at distances of up to 10 m
A smart card can be accomplished with the contact and/or contactless interfaces to communicate with the readers of payment terminals and contain the microcontroller, the battery is flat spiral antenna and transceiver with built-in antenna for data exchange via radio with the backing of the SIM card of the mobile means of communication.
This technical result is achieved in a set of smart card and a substrate for the SIM card installed in the slot mobile phones with SIM card and made contact with interfaces to connect to SIM card and the means of mobile connection, and a substrate for SIM cards and smart card for data exchange between them via radio performed with chip and transceiver with antenna.
Substrate for SIM cards and smart card can be made with the possibility of data exchange between them in the high frequency range radio waves, at a range of up to 10 meters
A smart card can be accomplished with the contact and/or contactless interface for interaction with the appropriate reader payment terminal.
Substrate for the SIM card installed SIM card in the slot mobile communications, made contact with interfaces to connect to SIM card and the means of mobile communication and mounted substrate chip and transceiver with antenna connected to the microcontroller.
The substrate can be made of two layers of polyimide film, and the wiring from the contact interface and transceiver to the microcontroller can be made between layers of polyimide.
The microcontroller and the transceiver with antenna can be mounted in a substrate on the part of the contact interface to connect to SIM.
The microcontroller and the transceiver with antenna can be mounted in a substrate on the part of the contact interface to connect to a mobile means of communication.
The substrate can be made of double-layer polyimide.
The substrate may include additional layer of glue applied in the form of stripes along the edges of the substrate, to connect to SIM card.
Brief description of drawings
Figure 1 shows a diagram of the payment system, which shows a set of smart card and a substrate for the SIM card.
Figure 2 and figure 3 shows options substrate for the SIM card.
Embodiments of the invention
Figure 1 presents the scheme of the payment system, including the payment terminal 1, the associated information processing center 2, smart card 3 and mobile phone 4 installed in the socket of the phone's SIM card 5 and substrate 6 SIM card, and the information processing center 2 made with the possibility of sending and receiving messages by mobile phone and a substrate for the SIM card 6 and smart card 3 is configured to communicate with each other over the air. Substrate for the SIM card 6 and smart card 3 are set using the user of the phone becomes a user of the payment system. Smart card 3 includes the microcontroller 7 and United with him transceiver with 8 antenna operating in the high frequency range of the radio waves to communicate with the substrate 6 SIM card and secure microcontroller 9 transceiver and antenna operating at a frequency of 13.56 MHz, for data exchange with a reader of the payment terminal.
Shown in figure 2 substrate 6 installed in Jack on the phone with SIM card 5, made of double-layer thick polyimide with contact interface 10 to connect to SIM card 5, and on the reverse side of the contact interface similar SIM card to connect to a mobile phone, the microprocessor (chip) 11 and transceiver 12 with antenna 13 operating in the high frequency range of the radio waves to communicate with the smart card over the air. 14 - adhesive layer deposited on a substrate and private film shot before connecting to the substrate with a SIM card. The interconnection interface to the microcontroller (chip) and from the micro-controller to the transceiver is made between layers of polyimide. The thickness of the substrate included with the SIM card does not exceed 1,36 mm, which provides accommodation set in Jack on the phone to the SIM card.
Alternatively host microcontroller chip and transceiver, as shown in Figure 3, where the 6 - substrate made of double-layer polyimide. The substrate can be also made of textolite, or fiberglass, or getinaks and PTFE, ceramic, polyimide materials, such as Kapton etc. On the substrate caused pin interface 15, similar to the interface of the SIM card, designed to connect the microcontroller 11 (chip) in the phone wiring from the interface to the microcontroller (chip) is made between the layers of polyimide. Also mounted transceiver 12, with built-in antenna 13 operating in the high frequency range radio waves. On the reverse side of the substrate is made contact interface to connect the microcontroller chip to SIM card 5. 16 - adhesive layer deposited on a substrate on the adjacent to the SIM party.
It is also possible for another 2 variants of location of the microcontroller chip and transceiver. The microcontroller can be embedded in a substrate on the part of the contact interface to connect to a mobile communication transceiver with antenna on the part of the contact interface to connect to SIM-card. And Vice versa: the microcontroller can be embedded in a substrate on the part of the contact interface to connect to the SIM card, and transceiver with antenna on the part from the contact interface to connect to a mobile means of communication.
The microcontroller 11 is able to communicate with the server software information processing center 2 (2) using a mobile phone 4 (2) through the network of the cellular operator. In the microcontroller 11 loaded software (operating system), which, in fact, is a software platform for accommodation in microcontroller 11 corporate client applications (services), intended for the end user.
Transceiver 8 in the smart card contactless credit card) is similar to the built in substrate transceiver 12. Data transfer between two transceivers organized over a secure channel frequency range radio waves. The range up to 10 meters
Secure microcontroller 9 in contactless credit card is intended for classified information storage. This microcontroller has two interfaces (Dual Interface Security Controller). The first interface pin, compliant IS07816 for Bank cards.
The second interface - contactless corresponds to ISO 14443. Contactless interface operates at a frequency of 13.56 MHz using a flat spiral antenna attached to a secure microcontroller. This interface allows you to interact with your existing infrastructure contactless reader Bank cards and access systems in public transport. Steam works as follows. Reader contains a generator that powers the scanner antenna. Radiation antenna reader is taken antenna smart card and is used to power the chip (chip), which is when a voltage is applied using a modulator (M) begins to modulate the signal reader code written in permanent memory (ROM) card. The modulated signal the reader is detected, amplified and fed to the microcontroller, which converts taken from contactless cards signal to the form suitable for transmission to the external device connected to the reader. Contactless cards interact with a reader on the Protocol, defined by ISO 14443, at distance 10 cm
Proximity between the substrate 6 microcontroller 11 in the phone and contactless card is carried out through built-in transceivers on the distance of 10 meters.
Thus, there is a possibility of data exchange between the server software platform, mobile phone and contactless credit card.
The described system of interaction devices: substrate 6 microcontroller 11 and contactless card (smart card) allows:
client (user) access to information on their contactless card via the interface of the mobile phone;
- service providers (banks, systems of public transport, retail, mobile operators) to secure access to the customer's card via wireless communications channels (for example, GPRS, Wi-Fi) to transfer classified information.
The client receives the following features use your card, including through control card via the interface of mobile phone:
- to make payments;
- to manage accounts and payment of services in online and offline modes;
- to use the contactless Bank cards;
- to withdraw/Deposit card terminals and ATMs;
- securely transfer funds between clients in online and offline modes;
- to exercise control of access;
- to buy and use e-tickets for public transport;
- to buy and use electronic Parking cards and stamps;
- use personal data in a contactless throughput systems;
- to carry out marketing.
1. Payment system which includes a payment terminal, the associated information processing center, smart card and means of mobile communication, and the information processing center made with the possibility of sending and receiving messages by mobile communication and means of mobile communication and smart card made with the ability to communicate with each other via radio, wherein the SIM card of mobile phones is equipped with a substrate that is installed in the socket mobile phones with SIM card and made contact with interfaces to connect to SIM card and the means of mobile communication and mounted her chip and transceiver with antenna to communicate with the smart card over the air.
2. The system of claim 1, characterized in that the communication between the smart card and mobile means of communication is carried out in high-frequency radio wave range, at the distance up to 10 meters
3. The system of claim 1, characterized in that the smart card is made contact with and/or contactless interfaces to interact with the reader payment terminal and contains a microcontroller, a flat battery, flat helical antenna and transceiver with built-in antenna for data exchange via radio with the backing of the SIM card of the mobile means of communication.
4. A set of smart card and a substrate for the SIM card installed in the slot mobile phones with SIM card and made contact with interfaces to connect to SIM card and the means of mobile communication and mounted her chip and transceiver with antenna to communicate with the smart card, which is also made with chip and transceiver with antenna.
5. Set according to claim 4, wherein the substrate for SIM cards and smart card made with the possibility of data exchange between them in the high frequency range radio waves, at a range of up to 10 meters
6. Set according to claim 4, wherein the smart card is made contact with and/or contactless interface for interacting with a reader of the payment terminal.
7. Set according to claim 4, wherein the substrate for the SIM card is made of two layers of polyimide film, and the wiring from the contact interface and transceiver to the microcontroller is made between layers of polyimide.
8. Set according to claim 7, wherein the microcontroller and the transceiver with antenna mounted in a substrate on the part of the contact interface to connect to SIM.