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WO1990015382A1 - Carte de debit a micro-ordinateur - Google Patents

Carte de debit a micro-ordinateur Download PDF

Info

Publication number
WO1990015382A1
WO1990015382A1 PCT/US1990/002592 US9002592W WO9015382A1 WO 1990015382 A1 WO1990015382 A1 WO 1990015382A1 US 9002592 W US9002592 W US 9002592W WO 9015382 A1 WO9015382 A1 WO 9015382A1
Authority
WO
WIPO (PCT)
Prior art keywords
debit card
memory
zone
accordance
account field
Prior art date
Application number
PCT/US1990/002592
Other languages
English (en)
Inventor
Joseph F. Schuler
William W. Haeuser
Original Assignee
Datacard Corporation
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Datacard Corporation filed Critical Datacard Corporation
Publication of WO1990015382A1 publication Critical patent/WO1990015382A1/fr

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3572—Multiple accounts on card
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3576—Multiple memory zones on card
    • G06Q20/35765—Access rights to memory zones
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user

Definitions

  • the present invention relates to debit cards, and more particularly, to a debit card having a first protected account having restricted access and a second unprotected account having less restricted access.
  • the present invention relates to a debit card apparatus and the method for programming the same. More particularly, the present invention relates to a debit card apparatus and a method for programming the same to be used in applications where funds must be transferred routinely.
  • the debit cards are substantially flat, thin plastic articles, such as credit cards, bank cards, drivers licenses, membership cards, etc., currently in widespread use. Recently, manufacturers of these cards have provided such cards with their own integrated circuit or their own microcomputer.
  • the debit cards may contain the same external qualities of the credit card, including the magnetic stripe, photo ID, printing, and embossing.
  • a debit card contains one or more integrated circuits (IC) chips. The chips provide microprocessing, memory, and an input/output capability.
  • the memory in most types of debit cards has a nonvolatile property found in some of the best hand-held calculators. This nonvolatile memory remembers stored data without a constant power supply.
  • the size of the memory in microcomputers continues to increase as technology evolves.
  • Uses for cards comprising microcomputers include documenting an individual's entire medical history, financial information, etc. Furthermore, such cards may be used to automatically debit one's bank account when purchasing such items such as groceries, clothes, etc.
  • the food service and vending industries are more competitive than ever. These industries are in search of ways to attract new customers and to reduce operational costs.
  • One primary way to reduce operational costs is to reduce the costs of cash handling and labor costs.
  • a first generation of debit card systems provided some relief and promise to the food service and vending industries. Debit cards were credited with an initial amount and, with every transaction, the cards were debited with the price of the purchase. It was reduction of coin handling and the speed-up of checkout services.
  • the present invention relates to a debit card having two accounts. A first protected account having restricted access and a second account having less restricted access.
  • access to the restricted account requires use of a personal identifier number (PIN) whereas access to the second account does not require use of a PIN.
  • PIN personal identifier number
  • the second account is accessible by a vending machine having an appropriate access key or access code.
  • the present invention relates to a debit card apparatus, including a microcomputer. Memory in the microcomputer is programmed to include a plurality of zones. A first zone has a more restricted access than a second zone. There is a funds transfer means for transferring a funds amount from an external source into an account field of at least one of the zones. The funds transfer means may also transfer a funds amount from an account field of one zone to the account field of another zone.
  • a particularly advantageous feature of the present invention is that use of the debit card enables rapid transaction and debiting of an account. More specifically, in the food service and vending industries, the present invention allows a user to quickly choose a menu item, have an account debited, and receive the card and the food item back.
  • the present invention provides a debit card with a first protected account in a first memory zone that is accessible only by a personal identification number and a second unprotected account in a second memory zone that is accessible without a personal identification number.
  • Other memory zones may be included in the microcomputer.
  • a third zone may have the lowest access restrictions.
  • a fourth zone may be merely a record zone to record transaction data.
  • a common data zone including data common to various transactions may be included. This memory would be accessible for reading by the various application terminals.
  • the preferred embodiment of the present invention provides a safety feature such that an upper limit may be placed on the amount of funds that may be readily transferred from the debit card without a personal identification number.
  • the user of the card programs an upper limit on funds available from the second account which is located in the second memory zone.
  • a low upper limit may be set such that if the card is lost or stolen, the user could potentially lose a minimal amount in the unprotected zone.
  • the safety feature occurs with the fact that the amount of funds available in the first protected account of the first protected memory zone, which are usually greater than the amount in the unprotected zone, would remain protected, except by a user with knowledge of the card's personal identification number.
  • the present invention provides a debit card with a built-in security time lapse feature in case the card is lost or stolen. Funds in the protected zone may be set to automatically lapse after a predetermined time of nonuse of the card. This feature protects both the user and the debit card vendor.
  • the benefits to the customer of the present invention are numerous.
  • the customer has more purchase convenience and can carry less change and make change less often.
  • the customer can budget funds by placing a specific amount on the debit card at the beginning of each budget cycle.
  • the present card offers more security than cash.
  • the present invention offers a protected account on the card that can only be accessed with a personal identification number or other such identification means. If the card is lost or stolen, the protected account cannot be accessed without the personal identification number.
  • vendors may offer bonuses and awards to the card holder based on the number of transactions or level of deposits. These bonuses are an added incentive for the customer to use the debit card.
  • Figure 1 is a schematic drawing of a debit card system of the present invention
  • Figure 2 is a diagrammatic view of the memory zone of a debit card of the present invention
  • Figure 3 is a diagrammatic view of the access keys to the memory zones of the present invention
  • Figure 4 is a flow diagram of the debit card of the present invention being utilized in a transaction terminal; and Figure 5 is a flow diagram of the debit card of the present invention being used in a vending machine.
  • a debit card will be issued by a vendor of a product or service to a user.
  • the user will have certain information programmed into the debit card via a terminal.
  • the types of memory may be ROM, EPROM, EEPROM, RAM, to name a few.
  • One zone, a first protected zone includes a first protected account field which allows the user to store an unlimited amount of monetary funds in the first account field on the debit card.
  • the protected account field is only accessible through some sort of identifier, such as a personal identification number.
  • the second zone is an unprotected zone.
  • the second unprotected memory zone also stores a monetary amount of funds in a second account field having less restricted access.
  • the unprotected account will have a maximum amount of funds which could be set by the user.
  • a terminal debits the amount from the second account in the unprotected zone.
  • the user may choose from an external source, or internally from the protected zone to the unprotected zone. If the user chooses to transfer funds from the protected zone to the unprotected zone, the user must input some identifier, such as a personal identification number, into the terminal to access the protected funds. In this manner, if the debit card is lost or stolen, the only funds available to a finder or thief or a card are the funds in the unprotected zone. Thus, the user of the card has limited liability in carrying such a card.
  • a debit card system 10 in accordance with the principles of the present invention is shown in Figure 1. It will be appreciated that numerous other debit card systems 10 will also be in keeping with the principles of the present invention and that this system is but one embodiment of such a system.
  • a debit card 12 which might generically be referred to as a smart card or integrated circuit (IC) card, is shown with external contacts 14 electrically interconnected to one or more integrated circuits (IC) embedded in the card 12.
  • the integrated circuits include a central processor unit (CPU) 16, reusable nonvolatile memory 189, and an input/output capability.
  • the size of the memory can vary with a range of 256 to 2000 being preferred. Of course as more memory is made available, additional applications and functions can be added to the debit card 12.
  • the debit card 12 will preferably use a standard ISO format for its interface function with other intelligent sites.
  • the debit card 12 may include external features typically present on credit cards, cash cards, identification cards, etc. These features might include a magnetic stripe having information magnetically stored thereon, a photo identifier, printed information, embossed information, etc.
  • the debit card 12 shown is preferably pocket sized; e.g., roughly the size of a standard credit card. Its carrier material might be the same type of plastic card stock used for credit cards. While the embodiment of the debit card 12 shown does not include a display, keypad, and battery, other embodiments of the debit card 12 might include a display, keypad, and/or battery and still be in keeping with the principles of the present invention.
  • the debit card 12 is shown as being used with a vending machine 20 and a credit/debit terminal 22.
  • Use of the debit card 12 with the vending machine 20 allows the user to purchase a menu selection from the vending machine 20.
  • the credit/debit terminal 22 shown allows the user to transfer funds in and out of the debit card 12, as well as from memory zone to memory zone within the debit card 12.
  • the credit/debit terminal shown has a CPU 24, associated memory 256 and interfaces with a remote central computer 28.
  • the interconnection between the credit/debit terminal 22 might be accomplished by any number of ways; e.g., conventional telephone lines 27 as shown, dedicated lines, wireless transmission, etc.
  • the central computer 28 will typically be under control of the card issuer or vendor. In some systems, there may not be an interconnection with a remote computer, so that the debit card 12 is used without the user ever accessing a remote central computer.
  • the vending machine 20 and the credit/debit terminal 22 will include a debit card receptor device and a debit card read/write device for accepting the debit card 12 and reading/writing information from and to the memory of the debit card 12.
  • the read/write device will include electronics to power the smart integrated circuits of the debit card 12 and to perform the read/write of the debit card 12.
  • the receptor device will interface with the vending machine dispenser controls in a conventional manner.
  • the vending machine 20 might include an optional bill acceptor thereby enabling operation of the vending machine 20 by use of cash or the debit card 12.
  • a display which will preferably be an integrated part of the vending machine 20 and the credit/debit terminal 22, will display card data and menu selection.
  • a touch sensitive key pad will preferably be present to enable operator selection of the menu items.
  • the debit card 12 of the present invention provides security at two basic levels, physical and access control. Physical security protects against forgery or duplication of the card contents. Access control addresses the issue of cardholder confirmation; i.e., confirming that the cardholder the person using the card. Access control also protects the system from accidental or deliberate attempts to access privileged functions or data.
  • the debit card 12 includes intelligence for dividing its memory into protected zones or areas that are inaccessible to the system and cardholder. These memory zones would be utilized by the card issuer.
  • the debit card 12 further include intelligence for limiting access down to the field level. For example, there may be only certain fields within a memory zone which are accessible to a user. Zones may be shared by applications, e.g., there may be subzones set up within a given memory zone with each subzone being assigned to a different vendor. It will be appreciated that the debit card may take on numerous variations in its design.
  • FIG. 2 Diagrammatically illustrated in Figure 2 is a schematic flow diagram of schematic organization of an embodiment of microcomputer memory 30 of the present invention.
  • the protected memory zone 34 requires some sort of user identification such as a personal identification number (PIN) to access the first protected account field of the protected memory zone 34.
  • PIN personal identification number
  • a general terminal which interfaces with a card may access second unprotected account field of the unprotected memory zone 36.
  • the debit card 12 will include a plurality of memory zones having different fields of information. The memory zones of one embodiment will now be discussed.
  • the common data zone 32 is one of many zones envisioned in the present invention.
  • the purpose of the common data zone is to provide the user with a recognizable salutation when he or she inserts the debit card into a card reader system.
  • One possible field in the common data zone is the service company who is issuing the card or is responsible for the terminal on which the debit card is being used. This would typically be the food service or the vending service company. There also might be a field identifying the card as a debit card. Another field would be a service site code. The service site code would relate to the user, the service company, and the site where the user is presently using the card.
  • the protected memory zone including the protected account field is a food service application zone 34. Food service companies would likely be the issuer of such cards. This memory zone is accessible by the food service terminals having the appropriate access key.
  • the protected account field in this memory zone is unaccessible to all persons not knowing the user's personal identification number or any other identifiers which may be used in conjunction with the debit card. Each issuer of the card also has access to this from an application's viewpoint.
  • funds may be transferred into the protected account field of the service application protected zone. Possible fields for this transfer include payroll deduction plans and cash/change machines, wherein cash or change may be inserted into a terminal and recorded thereafter in the protected account of the service application protected zone.
  • Fields may be set up which allow the user to borrow against the service application protected memory zone such that IOU's are recorded. There also may be a maximum amount specified for the unprotected account field.
  • a drop-dead data field may be implemented into the service application protected memory zone.
  • the purpose of the drop-dead data field is to disable the card after a predetermined length of time. After a designated period of nonuse elapses, that amount of funds in the protected zone of the card becomes unavailable through the user of the card. This protects both the user and the issuer of the card. If the user were to lose the card and the period of time elapsed, the card would become useless to anyone attempting to use the debit card. Furthermore, this feature protects the issuer of the card from reimbursing a user who claimed the card was stolen, but later finds that the user uses the card after reimbursement from the issuer of the card. This feature allows the issuer of the card to wait until the period of nonuse occurs before reimbursing the user. After this period, the card becomes useless.
  • Promotional programs may be set up such that if the user frequents a specific terminal, transfers a certain amount of funds, or buys certain products, the user may get a specified percentage discount. The possibilities are infinite.
  • the unprotected memory zone including the unprotected account field is a vending application zone 36.
  • the vending application unprotected zone 36 is readily accessible for vending applications.
  • the user would insert the debit card into a vending machine and would choose an item to purchase.
  • the purchase price of the item would be debited against the user's amount in the unprotected zone.
  • Fields or possible fields included in the unprotected zone are the amount in the unprotected account, the total amount of vending purchases for a specified period of time, total number of vending purchases over a specified period of time, and the date of the last vending purchase.
  • a useful field in the unprotected zone would allow a user to select a maximum amount that he or she would be comfortable with in the unprotected zone. This is the amount that the user would be willing to possibly lose if the card was stolen. There might be some users who would choose a low maximum amount. These users would minimize the amount lost when a card was stolen. Other users may set a rather high maximum amount such that they need not transfer money from either an external source or the protected zone into the unprotected zone so frequently. This feature allows the user grater flexibility in the use of the debit card.
  • the shared protected application zone 38 allows the debit card to be used in more than one set of terminals or applications.
  • the original issuer of the debit card would provide a second party with a format code key which accesses the shared protected zone 38 and which in turn provides the access key to the protected memory zone.
  • Multiple applications could be used in each card.
  • other services such as check cashing, health care, ticket purchasing, equipment checkout, and building access are among the few that could be implemented into the present invention.
  • Additional shared protection application zones 46 might be present.
  • a fourth memory zone, the shared vending application unprotected zone 40 may be formatted for a different use.
  • the issuer of the card provides a third vendor of services or products with a format key for accessing the shared unprotected zone which in turn provides access to the unprotected zone such that the funds in the unprotected account may be accessed for various applications.
  • the third vendor may then provide an application, such as vending applications, such that the user may use the debit card in the third vendor's vending machines.
  • the third party would have access to the amount in the unprotected zone, but would not have access to the amount in the protected zone.
  • an access application memory zone 42 which comprises fields which allow access to a restricted area.
  • the fields include the access data requiring a personal identification entry number, as well as a field that allows data to be shifted. Restricted building access is one application in the preferred embodiment.
  • a transaction record zone 44 provides a zone with fields that record transaction data.
  • the transaction data recorded could include the time/date of a transaction, the terminal identification, transaction codes, the amount of transaction, the unprotected balance, and a completion code.
  • the time/date field could be divided into subfields into seconds, minutes, hours, days, months, or years. Number of fields in the transaction record zone are unlimited with any data necessary to the vendor being recorded.
  • Figure 3 is a memory key table.
  • the memory zones require a key to access the memory zones.
  • the key is known to the issuer of the cards.
  • the terminal or vending machine in which the debit card is being used must supply the associated key e.g., A2, before the debit card would allow access to, e.g., the vending protected zone.
  • the microcomputer of the debit and 12 Upon receipt of the key the microcomputer of the debit and 12 will locate the appropriate zone by use of its memory key table. It is envisioned there could be memory zones accessible by more than a key, or the same key may access more than memory .
  • Figure 4 is a flow diagram describing the events occurring at a transaction terminal.
  • a card user inserts a card in a transaction terminal. The card user
  • the card user has a choice whether to transfer funds to the first protected account from an external source or transfer funds from the first protected account to the second unprotected account. If the user chooses to transfer 0 funds from an external source, the external source must be designated. Possible external sources of funds may be cash, payroll deductions, bank savings, checking accounts, credit cards, etc. The amount to be transferred must be less than or equal to the amount
  • the amount to be transferred must be less than or equal to the amount available in the first zone.
  • Figure 5 is a flow diagram describing the events
  • the user inserts a debit card into the vending machine and selects a menu selection.
  • the vending machine accesses the unprotected account of the second memory zone to see if there are sufficient funds. If there are not sufficient funds, the transaction is not allowed. If there are sufficient funds, the unprotected account of the second zone is debited with the amount of the transaction, and the user receives the debit card back.
  • the debit card of the present invention is designed for application expansion. Through the use of the shared zones, multiple applications may share one card in a secure manner. Multiple applications may be integrated or have no access to the other applications. If desired, generic debit cards of the present invention with no photo ID or customer-printed names may be issued. These cards may be reused by other customers. Recalled cards may be reformatted and issued to new customers. These types of generic debit cards are appropriate for student meal cards, temporary employee cafeteria cards, or general issue vending cards.

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Finance (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

Carte de débit (12) comprenant un micro-ordinateur (16) programmé de sorte qu'une pluralité de zones de mémoire présentant divers niveaux d'accessibilité à chaque zone soient disponibles. On peut transférer des fonds soit d'une source externe auxdites zones, soit d'une zone à l'autre.
PCT/US1990/002592 1989-05-31 1990-05-09 Carte de debit a micro-ordinateur WO1990015382A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US35938489A 1989-05-31 1989-05-31
US359,384 1989-05-31

Publications (1)

Publication Number Publication Date
WO1990015382A1 true WO1990015382A1 (fr) 1990-12-13

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Application Number Title Priority Date Filing Date
PCT/US1990/002592 WO1990015382A1 (fr) 1989-05-31 1990-05-09 Carte de debit a micro-ordinateur

Country Status (2)

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AU (1) AU5654690A (fr)
WO (1) WO1990015382A1 (fr)

Cited By (29)

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EP0605070A3 (fr) * 1992-12-23 1995-02-08 Deutsche Bundespost Telekom Méthode de transfert de sommes de monnaie vers ou à partir de cartes à puce.
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EP0789335A2 (fr) 1996-02-07 1997-08-13 Deutsche Telekom AG Méthode de décompte pour systèmes à porte-monnaie électroniques avec des cartes à puce
EP0794648A2 (fr) 1996-03-09 1997-09-10 Deutsche Telekom AG Méthode et dispositif pour l'accès universel et sécurisé aux services multimédias offerts par le réseau téléphonique
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EP0856819A1 (fr) * 1997-02-04 1998-08-05 Koninklijke KPN N.V. Système de communication pour la mise en oeuvre de services relatifs à un numéro PIN, avec une carte à puce; une carte à puce apte à un tel système de communication et méthode de mise en oeuvre d'un service relatif à un numéro PIN, avec la carte à puce
FR2762918A1 (fr) * 1997-05-02 1998-11-06 Gemplus Card Int Carte a puce munie d'un dispositif de comptage
EP0784301A3 (fr) * 1996-01-08 1998-11-11 Jürgen Dethloff Méthode et système pour le paiement de services et support de données portable à utiliser dans un tel système
EP0878784A3 (fr) * 1997-05-13 2000-02-02 Hitachi, Ltd. Carte à monnaie électronique, machine électronique pour la réception/paiement de monnaie, et dispositif d'émission de cartes à monnaie
FR2786904A1 (fr) * 1998-12-07 2000-06-09 Jean Pierre Crenn Procede et dispositif d'autorisation par carte a memoire pour l'utilisation et l'acces a des services sur un site donne
WO2000039758A1 (fr) 1998-12-24 2000-07-06 Deutsche Telekom Ag Procede de manipulation fiable de monnaie ou d'unites de valeurs avec des supports de donnees prepayes
US6145739A (en) * 1993-10-26 2000-11-14 Intellect Australia Pty Ltd. System and method for performing transactions and an intelligent device therefor
EP0907154A3 (fr) * 1997-10-01 2000-11-29 Fujitsu Limited Système de porte-monnaie électronique avec porte-monnaie à structure double, carte à puce applicable au système de porte-monnaie électronique, dispositif pour transactions avec carte à puce avec porte-monnaie à structure double, système pour transactions avec carte à puce avec porte-monnaie à structure double et carte à puce applicable au système de carte à puce
EP0806747A3 (fr) * 1996-05-08 2002-05-15 Deutsche Telekom AG Méthode et installation pour transférer des sommes d'argent entre mémoires transférables d'une carte à puce
EP0910052A3 (fr) * 1997-10-16 2002-06-05 Fujitsu Limited Système et méthode de gestion et de possession de monnaie électronique, et le dispositif et les moyens pour l'application desdits
EP1182627A4 (fr) * 1999-04-30 2003-03-05 Fujitsu Ltd Guichet automatique
EP1131783A4 (fr) * 1998-11-20 2003-03-12 Keycorp Ltd Systeme de caisse electronique a schemas multiples
EP0950991A3 (fr) * 1998-04-15 2003-03-26 Siemens Metering Limited Système de paiement
EP1072997A4 (fr) * 1998-03-13 2003-04-02 Fujitsu Ltd Systeme de porte-monnaie electronique et porte-monnaie electronique
EP0967582A3 (fr) * 1998-06-24 2003-10-08 Fujitsu Limited Système de règlement pour cartes électroniques de valeur
EP1184820A3 (fr) * 2000-08-03 2004-02-04 Fujitsu Limited Méthode et système pour gérer de la monnaie électronique, support pour gérer/stocker de la monnaie électronique, support d'enregistrement lisible par ordinateur, dans lequel le programme de gestion de la monnaie électronique est enregistré, support pour gérer/stocker des valeurs électroniques et méthode pour gérer des valeurs électroniques
US6698661B1 (en) 1997-04-17 2004-03-02 Gemplus Chip card equipped with a counter device
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EP0789335A2 (fr) 1996-02-07 1997-08-13 Deutsche Telekom AG Méthode de décompte pour systèmes à porte-monnaie électroniques avec des cartes à puce
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EP0794648A2 (fr) 1996-03-09 1997-09-10 Deutsche Telekom AG Méthode et dispositif pour l'accès universel et sécurisé aux services multimédias offerts par le réseau téléphonique
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US6370517B2 (en) 1997-05-13 2002-04-09 Hitachi, Ltd. Electronic money card, electronic money receiving/paying machine, and electronic money card editing device
EP0907154A3 (fr) * 1997-10-01 2000-11-29 Fujitsu Limited Système de porte-monnaie électronique avec porte-monnaie à structure double, carte à puce applicable au système de porte-monnaie électronique, dispositif pour transactions avec carte à puce avec porte-monnaie à structure double, système pour transactions avec carte à puce avec porte-monnaie à structure double et carte à puce applicable au système de carte à puce
EP0910052A3 (fr) * 1997-10-16 2002-06-05 Fujitsu Limited Système et méthode de gestion et de possession de monnaie électronique, et le dispositif et les moyens pour l'application desdits
EP1072997A4 (fr) * 1998-03-13 2003-04-02 Fujitsu Ltd Systeme de porte-monnaie electronique et porte-monnaie electronique
EP0950991A3 (fr) * 1998-04-15 2003-03-26 Siemens Metering Limited Système de paiement
EP0967582A3 (fr) * 1998-06-24 2003-10-08 Fujitsu Limited Système de règlement pour cartes électroniques de valeur
US7346578B1 (en) 1998-06-24 2008-03-18 Fujitsu Limited Electronic cashing card settlement system
EP1131783A4 (fr) * 1998-11-20 2003-03-12 Keycorp Ltd Systeme de caisse electronique a schemas multiples
FR2786904A1 (fr) * 1998-12-07 2000-06-09 Jean Pierre Crenn Procede et dispositif d'autorisation par carte a memoire pour l'utilisation et l'acces a des services sur un site donne
WO2000039758A1 (fr) 1998-12-24 2000-07-06 Deutsche Telekom Ag Procede de manipulation fiable de monnaie ou d'unites de valeurs avec des supports de donnees prepayes
US6745940B1 (en) 1998-12-24 2004-06-08 Deutsche Telekom Ag Method for the secure handling of monetary or value units using prepaid data carriers
EP1182627A4 (fr) * 1999-04-30 2003-03-05 Fujitsu Ltd Guichet automatique
US7363274B2 (en) 1999-04-30 2008-04-22 Fujitsu Limited Automatic teller machine
EP1184820A3 (fr) * 2000-08-03 2004-02-04 Fujitsu Limited Méthode et système pour gérer de la monnaie électronique, support pour gérer/stocker de la monnaie électronique, support d'enregistrement lisible par ordinateur, dans lequel le programme de gestion de la monnaie électronique est enregistré, support pour gérer/stocker des valeurs électroniques et méthode pour gérer des valeurs électroniques
US7337145B2 (en) 2000-08-03 2008-02-26 Fujitsu Limited E-money managing method and system, e-money managing/holding medium, computer-readable recording medium in which e-money managing program is recorded, e-value managing/holding medium, and e-value managing method
EP1560135A4 (fr) * 2002-10-18 2006-05-31 Matsushita Electric Ind Co Ltd Dispositif de traitement d'argent electronique
WO2006090176A1 (fr) * 2005-02-25 2006-08-31 Discount Computer Supplies Ltd Système de paiement de machine de vente
EP1960938A4 (fr) * 2005-12-09 2011-04-13 Mastercard International Inc Techniques assurant la coexistence d'une pluralite d'applications de montants memorises sur un dispositif de paiment unique assurant la gestion d'un solde partage
US8827158B2 (en) 2011-12-21 2014-09-09 International Business Machines Corporation Multi-chip card
US8925816B2 (en) 2011-12-21 2015-01-06 International Business Machines Corporation Multi-chip card

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