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WO1993007596A1 - Porte-monnaie electronique - Google Patents

Porte-monnaie electronique Download PDF

Info

Publication number
WO1993007596A1
WO1993007596A1 PCT/EP1992/002281 EP9202281W WO9307596A1 WO 1993007596 A1 WO1993007596 A1 WO 1993007596A1 EP 9202281 W EP9202281 W EP 9202281W WO 9307596 A1 WO9307596 A1 WO 9307596A1
Authority
WO
WIPO (PCT)
Prior art keywords
memory
above mentioned
impulses
operations
electronic
Prior art date
Application number
PCT/EP1992/002281
Other languages
English (en)
Inventor
Dino Condolf
Original Assignee
Dino Condolf
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 Dino Condolf filed Critical Dino Condolf
Publication of WO1993007596A1 publication Critical patent/WO1993007596A1/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
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4093—Monitoring of device authentication
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G5/00—Receipt-giving machines

Definitions

  • the inventor has attempted to provide a new, modern and advantageous solution to the problem of the circulation of the above mentioned "liquid,” by creating an electronic device which essentially makes it possible to be able to eliminate the above mentioned monetary mass, if desired.
  • This device in whose memory the situation of the liquidities is recorded, or else the number of accounting units that are available to its owner, is designed so as to be able to execute and record all cash operations of any amount (contained in the above named number) , both debit and credit, by acting in tune with another identical device carried by the counterpart who is participating in the above mentioned operations.
  • the device which is thus called “electronic wallet,” is designed so that, for example if person A needs to make a payment to person B who also has the same kind of wallet, the payment takes place electronically, subtracting the desired amount from the balance in the memory of A's wallet and adding the same amount to the balance in the memory of B's wallet.
  • the wallets of both persons if they are presented in the financial institution, for example a bank, that issued them, attest at any given time, through the balance stored in the memory, to the situation of the real credit balance of A and B.
  • the invention is comprised of a calculating electronic device and a display equipped with memory, characterized in that it is provided with first means capable of emitting and receiving impulses, and second means capable of causing both the emission and the reception of these impulses having certain physical characteristics to induce analogous numerical signals in the device itself that would modify to a pre-determined extent a number entered into the memory; this device would be called an electronic wallet.
  • the drawing represents a front view of the device that is the object of the invention.
  • the wallet is activated in its memory 3, by card 6, with the preset number of accounting units of credit available in the financial institution that issues the wallet itself.
  • Owner A of the wallet then, for example, in order to make a payment to another person B, presses entry button
  • the above mentioned impulses are received and translated into a analogous numerical signal by B's wallet, which operates by assigning a credit, and the above mentioned entry key 10 will have also have to have been pressed previously, twice for example, to predispose the device to receive a credit, and the owner will have also entered on his keypad 4 the number equal to the amount of the operation in question, and then push the operation key. The number in the memory of this latter wallet will then be increased by the amount entered.
  • Both wallets will remain activated for possible additional operations for a limited time, for example 3 to 5 minutes, and then they will turn off automatically.
  • the device may execute other functions, such as correction key (13) to change the number before emitting or receiving impulses from the other wallet, or the like.
  • a further function is, for example, exchange key 18; by pressing this key and then by pressing another key 14 a certain number of times, it will be possible to multiply or divide an amount by the exchange rate of other currencies in relation to the base currency with which the wallet operates.
  • a small printing device 2 is contained that is capable of transcribing, then storing everything it prints, every variation in the number is recorded in the memory as well as the characteristic parameters - operation number, date, type of operation, result in the memory and the like - of all the operations that have induced the above mentioned variations.
  • the function of this unit carries out, in a certain sense, the task of the "black box" in aircraft.
  • additional unit 7 capable of printing and issuing sheets of paper and cards containing desired data and/or numbers.
  • the owner can issue true mini-checks of his own that are securely covered in that they cannot be issued unless a corresponding credit exists in the memory, and these mini-checks can serve as cash for making payments to persons or companies that do not have an electronic wallet.
  • the device be equipped with an electronic unit capable of distinguishing among a large number of impulses with identical characteristics, and to allow for the reception only of the closest signal. This makes it possible to avoid illicit intrusions into the operations by third parties.
  • two wallets cannot exchange impulses when they are placed at a distance greater than a certain reference distance. This distance can be set to about 1 m, for example.
  • the inventor has also provided that the frequencies and the other physical characteristics of the emitted signal vary automatically over time according to a secret preset logical sequence.
  • This mechanism also serves to avoid intrusions and unauthorized uses by third parties.
  • a final mechanism to achieve maximum security is the fact that all the circuits with which the device is equipped are connected to an internal part (for example a covering or a frame) of shell 1 of the device itself so that any event that causes it to break also cause the circuits themselves to be interrupted or short-circuited.
  • outlets 12 which serve either for long-distance operations or for other connections, for example for the transmission of data to the institution that issued the wallet.
  • the device is portable, it is obvious that it is powered by batteries (8) .

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Purses, Travelling Bags, Baskets, Or Suitcases (AREA)

Abstract

Un porte-monnaie électronique est constitué d'une calculette dotée d'un affichage, d'une mémoire et d'un dispositif pouvant émettre ou recevoir des impulsions. Il comporte des circuits d'émission et de réception de ces impulsions et pouvant induire des variations de même valeur absolue mais de signes opposés dans le nombre mémorisé. Un code électronique connu du seul propriétaire protège l'accès aux opérations et la fréquence et les autres caractéristiques des impulsions varient automatiquement dans le temps en fonction d'une séquence logique secrète préréglée. Le porte-monnaie est muni d'une imprimante (2), qui transcrit et mémorise toutes les opérations effectuées, et d'un deuxième dispositif (7) pouvant émettre des mini-chèques.
PCT/EP1992/002281 1991-10-04 1992-10-02 Porte-monnaie electronique WO1993007596A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CH2940/91-6 1991-10-04
CH294091A CH686912A5 (it) 1991-10-04 1991-10-04 Portafoglio elettronico.

Publications (1)

Publication Number Publication Date
WO1993007596A1 true WO1993007596A1 (fr) 1993-04-15

Family

ID=4245059

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/EP1992/002281 WO1993007596A1 (fr) 1991-10-04 1992-10-02 Porte-monnaie electronique

Country Status (3)

Country Link
AU (1) AU2645892A (fr)
CH (1) CH686912A5 (fr)
WO (1) WO1993007596A1 (fr)

Cited By (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6038549A (en) * 1997-12-22 2000-03-14 Motorola Inc Portable 1-way wireless financial messaging unit
US6041314A (en) * 1997-12-22 2000-03-21 Davis; Walter Lee Multiple account portable wireless financial messaging unit
US6105006A (en) * 1997-12-22 2000-08-15 Motorola Inc Transaction authentication for 1-way wireless financial messaging units
WO2001027885A1 (fr) * 1999-10-14 2001-04-19 Berg Jon N Systeme de transfert de valeurs monetaires d'une carte sur une autre carte
US6311167B1 (en) 1997-12-22 2001-10-30 Motorola, Inc. Portable 2-way wireless financial messaging unit
US6314519B1 (en) 1997-12-22 2001-11-06 Motorola, Inc. Secure messaging system overlay for a selective call signaling system
US6378073B1 (en) 1997-12-22 2002-04-23 Motorola, Inc. Single account portable wireless financial messaging unit
CN1100303C (zh) * 1996-02-29 2003-01-29 株式会社日立制作所 电子钱夹及其操作方法

Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2066540A (en) * 1979-12-20 1981-07-08 Lethaby & Co Ltd Transaction device
WO1981002070A1 (fr) * 1980-01-03 1981-07-23 W Benton Systeme modulaire de transfert de fonds
US4320387A (en) * 1978-12-28 1982-03-16 Powell William S Information communicating apparatus and method
WO1982003484A1 (fr) * 1981-04-07 1982-10-14 William M Benton Systeme de verification de transactions utilisant une liaison de communication de donnees optiques
WO1983003694A1 (fr) * 1982-04-05 1983-10-27 Benton, William, M. Systeme de transfert de fonds utilisant des modules portatifs couples optiquement
WO1985004035A1 (fr) * 1984-03-07 1985-09-12 Corpra Research, Inc. Systeme et dispositif electroniques portatifs de transaction
EP0172670A2 (fr) * 1984-07-27 1986-02-26 Technion Research & Development Foundation Dispositif pour effectuer et enregistrer des transactions monétaires
EP0251619A2 (fr) * 1986-06-26 1988-01-07 Visa International Service Association Carte à transactions portative

Patent Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4320387A (en) * 1978-12-28 1982-03-16 Powell William S Information communicating apparatus and method
GB2066540A (en) * 1979-12-20 1981-07-08 Lethaby & Co Ltd Transaction device
WO1981002070A1 (fr) * 1980-01-03 1981-07-23 W Benton Systeme modulaire de transfert de fonds
WO1982003484A1 (fr) * 1981-04-07 1982-10-14 William M Benton Systeme de verification de transactions utilisant une liaison de communication de donnees optiques
WO1983003694A1 (fr) * 1982-04-05 1983-10-27 Benton, William, M. Systeme de transfert de fonds utilisant des modules portatifs couples optiquement
WO1985004035A1 (fr) * 1984-03-07 1985-09-12 Corpra Research, Inc. Systeme et dispositif electroniques portatifs de transaction
EP0172670A2 (fr) * 1984-07-27 1986-02-26 Technion Research & Development Foundation Dispositif pour effectuer et enregistrer des transactions monétaires
EP0251619A2 (fr) * 1986-06-26 1988-01-07 Visa International Service Association Carte à transactions portative

Cited By (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1100303C (zh) * 1996-02-29 2003-01-29 株式会社日立制作所 电子钱夹及其操作方法
US6038549A (en) * 1997-12-22 2000-03-14 Motorola Inc Portable 1-way wireless financial messaging unit
US6041314A (en) * 1997-12-22 2000-03-21 Davis; Walter Lee Multiple account portable wireless financial messaging unit
US6105006A (en) * 1997-12-22 2000-08-15 Motorola Inc Transaction authentication for 1-way wireless financial messaging units
US6311167B1 (en) 1997-12-22 2001-10-30 Motorola, Inc. Portable 2-way wireless financial messaging unit
US6314519B1 (en) 1997-12-22 2001-11-06 Motorola, Inc. Secure messaging system overlay for a selective call signaling system
US6378073B1 (en) 1997-12-22 2002-04-23 Motorola, Inc. Single account portable wireless financial messaging unit
WO2001027885A1 (fr) * 1999-10-14 2001-04-19 Berg Jon N Systeme de transfert de valeurs monetaires d'une carte sur une autre carte
FR2799860A1 (fr) * 1999-10-14 2001-04-20 Jon N Berg Systeme pour des transferts de carte a carte de valeurs monetaires
US6394343B1 (en) 1999-10-14 2002-05-28 Jon N. Berg System for card to card transfer of monetary values
US6502748B2 (en) 1999-10-14 2003-01-07 Jon N. Berg System for card to card transfer of secure data

Also Published As

Publication number Publication date
AU2645892A (en) 1993-05-03
CH686912A5 (it) 1996-07-31

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