Cyril LALO

The present invention is a packaged electronic module with embedded electronics for use in smart cards. This invention assembles a plurality of electronics components on a flexible printed circuit, together with an integrated circuit chip and a contact plate, into a module. This module can then be embedded into a plastic card, using regular milling techniques, by a card manufacturer. This method packages the plurality of electronics components into a module. The present invention provides a… Show more

The present invention is a packaged electronic module with embedded electronics for use in smart cards. This invention assembles a plurality of electronics components on a flexible printed circuit, together with an integrated circuit chip and a contact plate, into a module. This module can then be embedded into a plastic card, using regular milling techniques, by a card manufacturer. This method packages the plurality of electronics components into a module. The present invention provides a business with the capability to avoid additional capital expenditure required for special equipment and enables all existing card manufacturers to manufacture smart cards with embedded electronics.
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The present invention is a packaged electronic module with embedded electronics for use in smart cards. This invention assembles a plurality of electronics components on a flexible printed circuit, together with an integrated circuit chip and a contact plate, into a module. This module can then be embedded into a plastic card, using regular milling techniques, by a card manufacturer. This method packages the plurality of electronics components into a module. The present invention provides a… Show more

The present invention is a packaged electronic module with embedded electronics for use in smart cards. This invention assembles a plurality of electronics components on a flexible printed circuit, together with an integrated circuit chip and a contact plate, into a module. This module can then be embedded into a plastic card, using regular milling techniques, by a card manufacturer. This method packages the plurality of electronics components into a module. The present invention provides a business with the capability to avoid additional capital expenditure required for special equipment and enables all existing card manufacturers to manufacture smart cards with embedded electronics.
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This invention is a comprehensive “Dynamic Security Code” (“DSC”) System (“DSC System”) that can change the security code of a prepaid, debit, or credit card (“Payment Card”). In an effort to thwart Card-Not-Present (“CNP”) fraud, the DSC System provides dynamic security code values (“DSC Values”) that have a limited use. The DSC Values provided by this DSC System can be calculated by various methodologies and can be used within existing standard payment card infrastructures. The DSC System can… Show more

This invention is a comprehensive “Dynamic Security Code” (“DSC”) System (“DSC System”) that can change the security code of a prepaid, debit, or credit card (“Payment Card”). In an effort to thwart Card-Not-Present (“CNP”) fraud, the DSC System provides dynamic security code values (“DSC Values”) that have a limited use. The DSC Values provided by this DSC System can be calculated by various methodologies and can be used within existing standard payment card infrastructures. The DSC System can also be used with other form factors and in other environments not related to payments such as balance inquiries. The DSC Values can be calculated by a DSC Generator Server or on the card itself. Show less

This invention is a comprehensive “Dynamic Security Code” (“DSC”) System (“DSC System”) that can change the security code of a prepaid, debit, or credit card (“Payment Card”). In an effort to thwart Card-Not-Present (“CNP”) fraud, the DSC System provides dynamic security code values (“DSC Values”) that have a limited use. The DSC Values provided by this DSC System can be calculated by various methodologies and can be used within existing standard payment card infrastructures. The DSC System can… Show more

This invention is a comprehensive “Dynamic Security Code” (“DSC”) System (“DSC System”) that can change the security code of a prepaid, debit, or credit card (“Payment Card”). In an effort to thwart Card-Not-Present (“CNP”) fraud, the DSC System provides dynamic security code values (“DSC Values”) that have a limited use. The DSC Values provided by this DSC System can be calculated by various methodologies and can be used within existing standard payment card infrastructures. The DSC System can also be used with other form factors and in other environments not related to payments such as balance inquiries. The DSC Values can be calculated by a DSC Generator Server or on the card itself. Show less

This invention is a comprehensive “Dynamic Security Code” (“DSC”) System (“DSC System”) that can change the security code of a prepaid, debit, or credit card (“Payment Card”). In an effort to thwart Card-Not-Present (“CNP”) fraud, the DSC System provides dynamic security code values (“DSC Values”) that have a limited use. The DSC Values provided by this DSC System can be calculated by various methodologies and can be used within existing standard payment card infrastructures. The DSC System can… Show more

This invention is a comprehensive “Dynamic Security Code” (“DSC”) System (“DSC System”) that can change the security code of a prepaid, debit, or credit card (“Payment Card”). In an effort to thwart Card-Not-Present (“CNP”) fraud, the DSC System provides dynamic security code values (“DSC Values”) that have a limited use. The DSC Values provided by this DSC System can be calculated by various methodologies and can be used within existing standard payment card infrastructures. The DSC System can also be used with other form factors and in other environments not related to payments such as balance inquiries. The DSC Values can be calculated by a DSC Generator Server or on the card itself. Show less

This invention provides a dynamically generated security code for smart, debit and credit cards as a way to thwart fraudulent use of these cards in financial transactions. The card internally contains a processor connected to a viewable display powered by a battery where the processor is capable of generating security codes on a periodic basis. The card can generate the security code by encrypting certain data is a way that the card issuer as the same security codes so that when the security… Show more

This invention provides a dynamically generated security code for smart, debit and credit cards as a way to thwart fraudulent use of these cards in financial transactions. The card internally contains a processor connected to a viewable display powered by a battery where the processor is capable of generating security codes on a periodic basis. The card can generate the security code by encrypting certain data is a way that the card issuer as the same security codes so that when the security code is used in a financial transaction, the card issuer can ascertain whether the transaction is valid and authorized or potentially fraudulent. To prevent unwanted denials of transactions when the security code is changed, a time period window can be created on the card issuer's network that compares the card security code with the current valid security code stored on the card issuer's server as well as the previous security code in case the transaction was processed over a longer period of time than the life of the dynamically generated security code. Show less

Abstract
An electronic tip calculator for providing an instant tip calculation to a user is disclosed. The electronic tip calculator comprises a touch keypad located on a front surface, a display screen located on the front surface and a power button located on the front surface. The touch keypad includes a plurality of touch buttons. The display screen is configured to display a tip amount and a total bill amount to the user and the power button is configured to activate the electronic tip… Show more

Abstract
An electronic tip calculator for providing an instant tip calculation to a user is disclosed. The electronic tip calculator comprises a touch keypad located on a front surface, a display screen located on the front surface and a power button located on the front surface. The touch keypad includes a plurality of touch buttons. The display screen is configured to display a tip amount and a total bill amount to the user and the power button is configured to activate the electronic tip calculator. The display screen allows the user to instantly retrieve the tip amount by navigating through the touch keypad. The touch keypad and the display screen are configured to provide a simple and convenient means of tip calculation to the user. The electronic tip calculator can be easily configured to calculate any tip rate as desired by the user.
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An electronic information card for retrieving information pertaining to a banking account of a user is disclosed. The electronic information card comprises a casing having a front surface and a rear surface, a payment chip and a memory chip located inside the casing, a touch keypad located on the front surface, a display screen located on the front surface and an activate button located on the front surface. The payment chip initiates transaction between the user and the transaction terminal… Show more

An electronic information card for retrieving information pertaining to a banking account of a user is disclosed. The electronic information card comprises a casing having a front surface and a rear surface, a payment chip and a memory chip located inside the casing, a touch keypad located on the front surface, a display screen located on the front surface and an activate button located on the front surface. The payment chip initiates transaction between the user and the transaction terminal. The memory chip allows the user to access financial services such as checking account balance, checking monthly expenses, checking transaction information in an offline mode by navigating through the touch keypad. The display screen displays information pertaining to the banking account when a user navigates through the touch keypad. The electronic information card provides an enhanced security to the user while making online transactions. Show less

An electronic information card for retrieving information pertaining to a banking account of a user is disclosed. The electronic information card comprises a casing having a front surface and a rear surface, a payment chip and a memory chip located inside the casing, a touch keypad located on the front surface, a display screen located on the front surface and an activate button located on the front surface. The payment chip initiates transaction between the user and the transaction… Show more

An electronic information card for retrieving information pertaining to a banking account of a user is disclosed. The electronic information card comprises a casing having a front surface and a rear surface, a payment chip and a memory chip located inside the casing, a touch keypad located on the front surface, a display screen located on the front surface and an activate button located on the front surface. The payment chip initiates transaction between the user and the transaction terminal. The memory chip allows the user to access financial services such as checking account balance, checking monthly expenses, checking transaction information in an offline mode by navigating through the touch keypad. The display screen displays information pertaining to the banking account when a user navigates through the touch keypad. The electronic information card provides an enhanced security to the user while making online transactions. Show less

L'invention concerne une carte électronique comprenant des moyens pour transmettre un signal à un utilisateur de cette carte électronique, une unité électronique, une source d'énergie électrique, un interrupteur actionnable par l'utilisateur de la carte électronique et une application introduite dans ladite unité électronique. La carte comprend en outre des moyens de détection de l'activation dudit interrupteur agencés pour déterminer si cette activation se termine à l'intérieur d'un premier… Show more

L'invention concerne une carte électronique comprenant des moyens pour transmettre un signal à un utilisateur de cette carte électronique, une unité électronique, une source d'énergie électrique, un interrupteur actionnable par l'utilisateur de la carte électronique et une application introduite dans ladite unité électronique. La carte comprend en outre des moyens de détection de l'activation dudit interrupteur agencés pour déterminer si cette activation se termine à l'intérieur d'un premier intervalle temporel dès le début de l'activation (t0), la fin de ce premier intervalle de temps intervenant après la transmission (t1) d'un signal perceptible par l'utilisateur de la carte, ou pour déterminer si cette activation de l'interrupteur se termine à l'intérieur d'un deuxième intervalle de temps (T2max) dès la transmission (t1) dudit signal perceptible par l'utilisateur, ladite application étant activée ou son activation validée lorsque lesdits moyens de détection ont détecté la fin (t2) de ladite activation de l'interrupteur à l'intérieur dudit premier intervalle ou dudit deuxième intervalle de temps. Show less

A portable electronic device, for example an electronic card, includes at least one electronic unit associated to an optical switch which can be actuated by a user and which includes two photo-detectors arranged sufficiently far from each other in the electronic device to enable the user to cover only one of the two photo-detectors with one finger. The switch includes a logical circuit to which are provided a first and a second light reception signal respectively coming from the two… Show more

A portable electronic device, for example an electronic card, includes at least one electronic unit associated to an optical switch which can be actuated by a user and which includes two photo-detectors arranged sufficiently far from each other in the electronic device to enable the user to cover only one of the two photo-detectors with one finger. The switch includes a logical circuit to which are provided a first and a second light reception signal respectively coming from the two photo-detectors. The logical circuit is arranged to supply a signal which only indicates actuation of the optical switch when the first and second light reception signals correspond to two different logical states for the logic circuit. Show less

Le dispositif électronique portable, en particulier une carte électronique, comprenant au moins une unité électronique (4) associé à un interrupteur optique (12) pouvant être activé par un utilisateur et formé par deux photo-détecteurs indépendants (6,8) qui sont agencés suffisamment éloignés l'un de l'autre au sein du dispositif électronique pour permettre audit utilisateur de couvrir avec un doigt seulement l'un de ces deux photo-détecteurs. L'interrupteur comprend un circuit logique (14)… Show more

Le dispositif électronique portable, en particulier une carte électronique, comprenant au moins une unité électronique (4) associé à un interrupteur optique (12) pouvant être activé par un utilisateur et formé par deux photo-détecteurs indépendants (6,8) qui sont agencés suffisamment éloignés l'un de l'autre au sein du dispositif électronique pour permettre audit utilisateur de couvrir avec un doigt seulement l'un de ces deux photo-détecteurs. L'interrupteur comprend un circuit logique (14) auquel sont fournis un premier et un second signal de réception de lumière (S1,S2) provenant respectivement des deux photo-détecteurs. Le circuit logique est agencé de manière à fournir un signal (S3) indiquant l'activation dudit interrupteur optique seulement lorsque ledit premier et ledit second signal de réception de lumière correspondent à deux états logiques différents pour ledit circuit logique. Show less

The electronic card (2) includes an electronic unit (6), an electric energy source (10), a switch (12) that can be actuated by a user of the electronic card and an application introduced into said electronic unit. It further includes means for detecting actuation of said switch, which determine whether said actuation corresponds to a pulse whose duration is comprised within a certain predetermined time range or to a series of pulses defining a digital signal with a time profile wherein at least… Show more

The electronic card (2) includes an electronic unit (6), an electric energy source (10), a switch (12) that can be actuated by a user of the electronic card and an application introduced into said electronic unit. It further includes means for detecting actuation of said switch, which determine whether said actuation corresponds to a pulse whose duration is comprised within a certain predetermined time range or to a series of pulses defining a digital signal with a time profile wherein at least one given parameter has a value comprised within a certain predetermined time range, said application being actuated or the actuation thereof validated when said detection means have detected said pulse or said series of pulses. In particular, the switch is associated with a push-button or an elastically deformable zone (14) of the electronic card. Show less

The invention relates to a memory and/or microprocessor (24) card (10) comprising: a plurality of keys (16) for introducing a personal code of the owner/user of the card, said personal code being stored in the memory of the card; a display (14) for displaying information; an acoustic emission module (22) emitting a characteristic audible sound signal when a key is correctly actuated; an electrical energy generator (20) for the power supply to the display (14), the acoustic emission module (22),… Show more

The invention relates to a memory and/or microprocessor (24) card (10) comprising: a plurality of keys (16) for introducing a personal code of the owner/user of the card, said personal code being stored in the memory of the card; a display (14) for displaying information; an acoustic emission module (22) emitting a characteristic audible sound signal when a key is correctly actuated; an electrical energy generator (20) for the power supply to the display (14), the acoustic emission module (22), and the memory and/or microprocessor (24); and means for ensuring that the display is only activated if the code inputted by the user is identical to the code stored in the card. Show less

L'invention concerne une carte de format normalisé autoalimentée incluant des touches (201) placées sur au moins une zone non attribuée par le format normalisé, un module fonctionnel (203), un module d'activation (202) destiné à activer le module fonctionnel (203) lorsqu'un code correct est saisi à l'aide des touches (201). L'invention permet de sécuriser l'usage de telles cartes.

Abstract
The invention relates to a standard-format, self-powered card comprising keys (201) which are provided in at least one zone that is not defined by the standard format, a functional module (203) and an activation module (202) which is intended to activate the functional module (203) when the correct code is entered using the keys (201). The invention can be used to render the use of such cards secure.

The invention relates to a self-powered card of standardized format including keys (201) placed on at least one zone not allocated by the standardized format, a functional module (203) and an activation module (202) designed to activate the functional module (203) when a correct code is entered by means of the keys (201). The invention secures the use of such cards.

The invention relates to a method of securing operations carried out in a network between a user (1) and a service provider (2) and to the associated devices. For the user (1), the inventive method comprises the following steps, namely: a step (33) in which a dynamic encryption key is generated, a step (33) in which an authentication datum (15) received from the service provider (2) is encrypted with the aid of the dynamic encryption key, and step (35) in which the encrypted authentication… Show more

The invention relates to a method of securing operations carried out in a network between a user (1) and a service provider (2) and to the associated devices. For the user (1), the inventive method comprises the following steps, namely: a step (33) in which a dynamic encryption key is generated, a step (33) in which an authentication datum (15) received from the service provider (2) is encrypted with the aid of the dynamic encryption key, and step (35) in which the encrypted authentication datum (4) is sent to the service provider (2). For the service provider (2), the method comprises the following steps, namely: a step comprising the dynamic decryption (5) of the encrypted authentication datum (4) and a step comprising the verification (5) of the decrypted authentication datum, in order to authorise the operation in secure mode (13). Show less