Combined smartcard and magnetic-stripe card and reader and associated method
AssigneeSmart Card Integrators, Inc.
InventorPhilippe A. Charrin
Life of this patent
Estimating the term…
Abstract
A multi-functional portable data device (preferably a combined smart card and magnetic-stripe card) is used for exchanging money with a financial institution in a cashless (i.e., credit or debit) transaction, and to credit or debit an electronic purse (“e-purse”) resident on the portable data device. An integrated data reading device can be used to conduct the various monetary transactions electronically so as to transfer money between the financial institutions and the e-purse on the portable data device. The portable data device preferably can be presented to gaming devices in a cashless gaming environment to allow the customers to use the gaming devices.
Claims35
A data device reader for reading portable data devices having a smart card portion and a readable static media portion, the smart card portion comprising an electronic purse, the data device reader comprising:
- a smart card interface for communicating with the smart card portion of a portable data device;
- a magnetic stripe reading head for reading the readable static media portion of the portable data device;
- a processor configured to perform money transfers between an account indicated by the readable static media portion of the portable data device and the electronic purse of the portable data device;
- a communication link to a financial institution computer system, said processor programmed to communicate with the financial institution computer system in order to conduct credit or debit transactions;
- and
- a communication link to a gaming establishment computer system having an account associated with the electronic purse of the portable data device.
An electronic device, comprising:
- a data device reader adapted to receive portable data devices having a smart card portion and a readable static media portion, said smart card portion comprising an electronic purse;
- a communication link to a financial institution transaction processor;
- a processor configured to perform money transfers between a customer account managed by said financial institution transaction processor and the electronic purse of a portable data device presented to said data device reader;
- a smart card interface for communicating with the smart card portion of the portable data device;
- a magnetic stripe reading head for reading the readable static media portion of the portable data device;
- and
- a communication link to a gaming establishment accounting system having an account associated with the electronic purse of the smart card portion of the portable data device.
A method, comprising the steps of:
- receiving, in a data device reader, a portable data device having a smart card portion and a readable static media portion, said smart card portion comprising an electronic purse;
- communicating between a smart card interface in the data device reader and the smart card portion of the portable data device;
- reading the readable static media portion of the portable data device with a magnetic stripe reading head;
- establishing a communication link from said data device reader to a financial institution computer system;
- establishing a communication link from the data device reader to a gaming establishment accounting system having an account associated with the electronic purse of the smart card portion of the portable data device;
- and
- performing a monetary transfer between a customer account managed by said financial institution computer system and the electronic purse of said portable data device.
A system for conducting electronic monetary transfers to and from an electronic purse stored on a portable data device, said portable data device including a smart card portion comprising the electronic purse and a magnetic stripe portion, the system comprising:
- at least one electronic gaming machine adapted to receive the portable data device and communicate with the smart card portion thereof, said electronic gaming machine transferring money to and from the electronic purse of the smart card portion of the portable data device via electronic commands;
- and
- a data device reader adapted to receive the portable data device, said data device reader comprising
- a smart card interface for communicating with the smart card portion of the portable data device;
- a magnetic stripe reading head for reading the magnetic stripe portion of the portable data device;
- a communication link to a financial institution transaction processor;
- a communication link to a gaming establishment computer system having an account associated with the electronic purse;
- and
- a processor configured to performing a monetary transfer between a customer account managed by said financial institution transaction processor and the electronic purse of said portable data device.
The system of 28, wherein said electronic gaming machine authenticates the portable data device by carrying out an authentication process with the smart card portion of the portable data device, said electronic gaming machine comprising a smart card communication interface, said authentication process being completed when a processor of said gaming machine generates a first random number, enciphers said first random number using a common key to generate a first enciphered random number, sends said first enciphered random number to said smart card portion of the portable data device over said smart card communication interface, receives a second enciphered random number from said smart card portion of the portable data device over said smart card communication interface, deciphers said second enciphered random number using said common key to generate a second random number, generates a session key from said first random number and said second random number, receives a third enciphered number from said smart card portion of the portable data device over said smart card communication interface, deciphers said third enciphered number using said session key to generate an authentication test value, and verifies that said authentication test value matches said second random number.
Apparatus for conducting electronic monetary transfers to and from an electronic purse stored on a portable data device, said portable data device including a smart card portion comprising the electronic purse and a magnetic stripe portion, the apparatus comprising:
- a smart card interface for communicating with the smart card portion of the portable data device;
- a magnetic stripe reading head for reading the magnetic stripe portion of the portable data device;
- a processor configured to perform monetary transactions in two different domains, a first domain associated with the smart card portion of the portable data device, and a second domain associated with the magnetic stripe portion of the portable data device;
- a communication link to a financial institution transaction processor associated with the second domain;
- and
- a communication link to a gaming establishment accounting system associated with the first domain.
Dependencies are inferred from the claim text.