Abstract: The invention relates to a mobile telephone and a smart card transaction system in combination, where the functionality of a mobile telephone is increased so that the phone can be used in a large range of transactions for which smart cards are normally used. The phone may also be provided with a slot to receive smart cards and recharge them with funds for cashless transactions, by communicating with a bank account or the like.

Abstract: The invention relates to a mobile telephone and a smart card transaction system in combination, where the functionality of a mobile telephone is increased so that the phone can be used in a large range of transactions for which smart cards are normally used. The phone may also be provided with a slot to receive smart cards and re-charge them with funds for cashless transactions, by communicating with a bank account or the like.

Abstract: An electronic value storage device and system which can be used for making valid payment of fares or purchases of services and goods, in which a transaction terminal detects a deficiency in stored value in the device upon presentation for a purchase, and automatically increases the stored value amount by debiting a credit account of the user. Different PIN numbers may be provided for different functions of the device, such as credit updating and transfer of credit from a protected credit account to a cash value storage medium on the device.

Abstract: Card and Card Reader contain a broadly m-shaped or twin looped antenna consisting of one or more thin conducting layers between plastic laminates wherein the middle branch 18 oscillates in anti-phase with the two outer branches 16 and 17 for proximity coupling applications, whereas all the said three branches oscillate in phase in distant read/write applications. The prevailingly capacitive positions 15, 13, 14 of the antenna can be utilised for card readers where it is preferred to draw a card through a slot into the interior of a sensor unit where the card may be tested, processed, or if need be, withdrawn. Capacitive transfer may be also useful in cases where the temporary clipping of the card to a piece of equipment will unite its data base to a digital system. The instructive component can best be utilized in informal proximity presentations of the card to a Reader area; and its electromagnetic manifestation can best be used in card identifications a distance of several meters.

Abstract: The essence of the invention is a socalled "data bit variable spacer generator", block 79, which contributes to the generation of a control output "c" from a combinatory logic circuit group 78. The logic level of "c" determines whether a clear data bit from the parity flip flop FF6 is to be sent out or a random bit from block RMG. The `variable data bit generator` is controlled by a number of parallel bit outputs from registers SH1 and SH2 which hold an encryption key after being conditioned by other logic inputs derived from key parity flip flops (FF1 and FF2) and clear data bit levels from block 81. Registers SH1 and SH2 shift and recirculate when the `c` output is high. Similar principles are used when data are decrypted. The circuit is suitable for integration with other functions on a single substrate chip.

Abstract: A self-contained purse-like electronic fund transfer device mainly for use in personal payment transactions, designed to be in the permanent possession of the user and featuring electromagnetic power injection from, and data transfer coupling with, a data terminal. A reader unit has a displaceable concave portion and the handheld personal payment device a convex portion in which the active flux carrying conductors are embedded in such a manner that relatively large angular shifts between the two parts do not interfere with the efficiency of the coupling or the speed of the transaction.

Abstract: A portable pocketsize data carrier, also referred to as pay token, stores more than one bank and/or credit account number in selectably accessable registers. The pay token is equipped with four or five selector buttons for carrying out a large variety of performance modifications. Aided by visual feedback through an integrated display window, the user may using a single button(a) insert a confidential number into the pay token for internal comparison with a factory-made number which cannot be read out(b) Select and activate one of 9 account or similar registers(c) Define a small cash amount in single figures currency units or a multiple thereof which the user desires to transfer from a selected token account to an uncommitted register, the rapid payment register or money register. The latter is electronically so connected that entry of the personal identifying number is not required prior to payment from that register--as is required when payment is made from any of the account registers directly.

Abstract: A proximity data transfer system for transferring data in digital form between a portable data carrying component and a data sensor component. The data carrying component includes a data store and circuitry for producing magnetic field disturbances of a form related to the data stored therein. The data sensor component includes circuitry capable of sensing the field disturbances, interpreting these disturbances as binary information and inserting the information in a register.

Abstract: In equipment which comprises a storage station or portable data carrier holding data and a control station for interaction with the storage station to alter the stored data, for example telephone equipment in which the user carries a pay token for use in pay phone equipment which changes the value recorded in the token in accordance with the call made, a security check operates by means of a reference signal and a test signal held in the storage station, the reference signal selecting a corresponding test signal in the control station for comparison with that of the storage station. The control station in one mode will present a valid test signal for comparison and in another mode will present an invalid test signal. These modes may occur in different sequences and the control station evaluates the responses of the storage station to both valid and invalid test signals before allowing use of the data held by the storage station.