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WO1998045818A2 - Procede pour l'utilisation d'unites memoires de cartes a puce - Google Patents

Procede pour l'utilisation d'unites memoires de cartes a puce Download PDF

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Publication number
WO1998045818A2
WO1998045818A2 PCT/EP1998/002044 EP9802044W WO9845818A2 WO 1998045818 A2 WO1998045818 A2 WO 1998045818A2 EP 9802044 W EP9802044 W EP 9802044W WO 9845818 A2 WO9845818 A2 WO 9845818A2
Authority
WO
WIPO (PCT)
Prior art keywords
data
units
chip card
institution
chip
Prior art date
Application number
PCT/EP1998/002044
Other languages
German (de)
English (en)
Other versions
WO1998045818A3 (fr
Inventor
Hans-Diedrich Kreft
Michael Jenning
Uwe Wittig
Original Assignee
Angewandte Digital Elektronik Gmbh
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 Angewandte Digital Elektronik Gmbh filed Critical Angewandte Digital Elektronik Gmbh
Priority to AU74300/98A priority Critical patent/AU7430098A/en
Publication of WO1998045818A2 publication Critical patent/WO1998045818A2/fr
Publication of WO1998045818A3 publication Critical patent/WO1998045818A3/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
    • G06Q20/355—Personalisation of cards for use
    • G06Q20/3552—Downloading or loading of personalisation data
    • 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
    • G06Q20/36—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 invention relates to a method for using memory units in at least one electronic memory of different chip cards with at least one semiconductor chip, the chip cards being coupled in a contactless manner by means of alternating electromagnetic fields and / or in contact form by means of galvanic contacts with read / write terminals and exchanging energy and data, according to the Preamble of claim 1.
  • Payment by chip card with electronic memory is a widely used payment method. For example, telephone units are paid for by debiting an electronic memory of the chip card. With the ec money card, monetary units are debited from a cardholder's account and credited to the ec money card as electronically stored units in an electronic memory. When a service is used by means of the chip card at a read / write terminal, the units are read from the electronic memory of the chip card and credited to the service provider via an evidence center. All of these processes are units which have a fixed, unchangeable relation to monetary units, which is why it is also spoken of electronic monetary units.
  • Chip cards are increasingly being used, which give their holder additional benefits.
  • multi-storey car park uses are made possible by chip cards in that the chip card stores a number of storage units, i.e. saved units, has been credited by a department store and these units can be used for parking.
  • the chip card stores a number of storage units, i.e. saved units, has been credited by a department store and these units can be used for parking.
  • units are debited from the chip card's electronic memory.
  • the chip cards available on the market today work for debiting or rebooking or for billing monetary units or usage units and for electronic storage in the memory of the chip card according to different methods of the different card issuers, these methods being incompatible with one another with different codes.
  • the so-called MONDEX chip card which is only available with terminals in, is predominant on the American market Data exchange that the MONDEX programs can handle.
  • the ZKA procedure Central Credit Committee
  • ZKA chip cards cannot work with MONDEX terminals and vice versa.
  • the invention is based on the object of specifying a method with which the different chip card systems can be made compatible with one another and the various possibilities of a chip card for the use of services from a wide variety of service providers can be handled in a uniform manner without restriction by relations of monetary units to usage units; no monetary units should be used at the time the benefit is claimed; Rather, the method should be usable independently of special exchanges of certain providers and be usable between providers of different chip cards as well as different providers of chip card services, so that the usage units of chip cards from different providers should be universally billable.
  • the solution of the task according to the invention consists in the features that 1. one or more programs (A ... F) are contained in chip cards of the CA type, 2. an exchange of electronic data (bits ) DC is provided in the memory of the chip card with electronic data (bits) DT in terminals of the type TA, 3. wherein the programs (A ... F) serve to transfer data and / or identifiers DG for monetary benefits according to different methods (VI ... Vn) between a terminal and chip cards of type A, 4. where an additional program ZP is available in cards of type A as a supplement to the existing programs (A ... F), which fulfills a data adaptation function, 5.
  • a chip card of a certain type can always connect to its terminal for this particular type and to terminals that are equipped for the ZP program.
  • the programs (A ... F) exchange data with a terminal before the program ZP or the program ZP exchanges data with a terminal before the programs (A ... F).
  • the chip card comes into contact with its originally designed terminal, in the second case with the new terminal for recognizing the ZP program.
  • the ZP program thus represents a transformation program.
  • the interposed program ZP advantageously simulates the data communication of a terminal in the chip of a chip card and makes it available on chip-internal software interfaces, the different programs (A ... F) receiving their data at the interfaces in the same way as it does at the hardware interfaces between the originally designed terminal TA and chip card CA is provided. In this way, different codes can be adapted.
  • MONDEX chip cards can be used in European terminals which are equipped for the data exchange with the ZP transformation program, which can be carried out in a simple manner by means of an additional hardware module which is integrated into existing terminals.
  • the transformation program ZP works additively and in this way establishes the link between an original program in the chip card or the remaining original programs and the program ZP with the new terminals, which contain programs for data exchange according to this standardizing method VZ, so that different ones Smart cards from different providers can communicate in the terminals in the same, compatible and interoperable way.
  • VZ standardizing method
  • A) usage units in the form of electronic data (bits) are loaded into the memory or parts of the memory of the chip card as stored units by an institution using an identifier such as a PIN code and a first multiplier, this institution usually is also the issuer of the chip card, b) when using a service by chip card, the usage units are electronically debited as exchange units from the memory of the chip card by a service provider using a read / write terminal using an identifier and sent to one or another institution, c) the institution uses the exchange units using a second multiplier as a measure for a number of service units of the service provider, d) service units such as usage units are specified in different or the same monetary units and offset against cash accounts.
  • an institution using an identifier such as a PIN code and a first multiplier, this institution usually is also the issuer of the chip card
  • the usage units are electronically debited as exchange units from the memory of the chip card by a service provider using a read / write terminal using an identifier and sent to
  • the method allows usage units to be billed for a use which is claimed with a chip card equipped with an electronic memory on an electrical, preferably also with a memory reader GX, also equipped with an electronic memory.
  • the method can be divided into different actions: master data A2 in the chip card and in the write reading terminal ensure that an institution P can clearly assign usage units to service providers as exchange units. The relationships between exchange units at the service provider and usage units at the card user are guaranteed by different multipliers. Ml stands for billing usage units and M2 for billing service units.
  • the institution P is the issuer of the chip cards, which the institution P also loads accordingly. However, the chip cards can also be loaded from institutions other than institution P with which billing exists. Institution in the sense used here can be a service provider, a financial institution or generally a chip card issuer, such as a bank, or a clearing institution, MASTER-CARD.
  • Usage units are booked into the electronic memory of the chip card using an identifier and a first multiplier, the card applications not being known at the time of booking, or being unspecifiable by specifying a service or a service provider.
  • a uniform identifier is loaded into the different chip cards.
  • the identifiers are loaded by an institution, i.e. As a rule, certain secure data exchange procedures are followed in order to load chip card memories with values.
  • Security measures include PIN numbers, but also electronic encryption methods with keys, some of which are with the card user and some with the institution.
  • the electronic memory can be loaded at the read / write terminals of the institution, but it can also be done on PCs with an online connection to the institution.
  • the loaded electronic storage units in the electronic memory of the chip card represent units of use when using a service by means of a chip card. If units of use are debited from the memory by means of a read / write terminal, they represent exchange units for the provider of a service that are sent to the institution which also loaded the usage units. However, it can also be another institution that has not loaded the usage units into the chip card, but has a billing basis for exchange units with the loading institution. The institution can use the exchange units using a second multiplier as a measure of a set of service units of the service provider. While only use or exchange units without reference to monetary units were used in the use of services at the read / write terminal, the reference to monetary units can be established at a later point in time at a clearing institution. It is quite possible that the usage units are in currency A and the service units are calculated in a currency B. This procedure ensures the compatibility between service, electronic billing and monetary unit.
  • actions u, v, w, x, y, z can be distinguished: ul) in a first action u at time T1, a card user M receives a chip card from an institution P, u2) Institution P has an electronic user identification Ni in the electronic memory of the chip card, u3) institution P manages an assignment of a first multiplier
  • Read / write terminals (GX) during a period of time ⁇ t data AX by electromechanical contacts or by electromagnetic
  • Coupling exchanges, v2) the read / write terminals (GX) are devices that are set up and operated by providers of services (L) and for people
  • Store data A2 which is a read / write terminal to a group
  • Tl is, v5) the data AX consist of two data parts AI, A2, v6) during the time period ⁇ t the read / write terminal (GX) identifies itself with the data A2 (identifier A2) as the device of the group (G)
  • Actions u are the establishment of fixed data, master data, between institution P - also called service provider in technical language, with which companies such as Telecom companies are meant that enable services with a chip card - and card users M.
  • the fixed data are specified by the institution P when the chip card is issued.
  • the identification Ni of the card user counts to the fixed data.
  • the institution P electronically identifies a card user when the user loads loading units into the memory of his chip card on a device GP.
  • the institution specifies a multiplier that is used to calculate the number of usage units AI that are charged to the cardholder's account at institution P. For example, the larger the value Ml, the more usage units the card user can receive on his chip card for 100 usage units in his account.
  • Action v is used to exchange data between a read / write terminal of a service provider and the chip card of a card described.
  • a chip card exchanges data with a read / write terminal GX, which preferably also contains an electronic memory.
  • the chip card contains, inter alia, an electronic memory and exchanges data AX with the memory of a write / read terminal GX for a period of time ⁇ t.
  • the read / write terminals GX are read / write terminals that are set up and operated by providers of services L and offer people access to a benefit and / or a service.
  • the benefit can be a benefit that is usually valued and offset in monetary units and could also be claimed in cash, such as tickets, cinema tickets or canteen meals or other things.
  • the data can be exchanged galvanically via electromechanical contacts on the chip card, as is the case with contact-based chip cards, or a contact-free data exchange via electromagnetic coupling, e.g. optical data transmission, data transmission via electromagnetic waves, can only be carried out via coils in accordance with the local transformer principle or electromagnetic Oscillating circuits according to the principle of remote control.
  • the read / write terminal GX contains data A2 in its electronic memory, which usually serves as an identifier for an institution P. With this identifier A2, the read / write terminal GX is assigned to a group G of devices which contain comparable data A2 in their memory, ie contain the identifier of the same institution P. A chip card with the identification A2 can be used on all these devices.
  • the data exchange begins at a time T2 which is later than Tl, ie the fixed data are already contained in the chip card.
  • the data part A2 serves as an identifier with which the service provider L recognizes that the data associated with this identifier is data for which the institution establishes a legal relationship between the service provider and the cardholder, namely in favor of the provider of the service by write reading terminal GX and at the expense of Smart card user.
  • P is able to credit the service provider L with exchange units. If at the read / write terminal of the L a user with the identifier A2 has made use of a monetary value, that is to say payable also in monetary units, P can also credit the exchange units to the L in monetary units.
  • a second function of A2 is that GX reveals itself to the chip card at the beginning of a communication with the coding A2, and the chip card allows access to its memory, in which the values AI are located, for example by opening the memory.
  • the identifier A2 must remain unchanged if a clear assignment is to be guaranteed.
  • the data AI, usage units are changed by the exchange units ⁇ A within the time span ⁇ t.
  • the exchange units are stored in the memory of the read / write terminal until they are transferred to P in a time period ⁇ t '.
  • the change in the card user's memory i.e. the number of electronic storage units of ⁇ A is in a specific relation to the power used by the chip card at the read / write terminal. It can represent ⁇ A, for example, for a number of kilometers traveled by a traffic provider or for hours of swimming pool use.
  • devices GX can belong to the group of devices G, i.e. be identified as devices with a relationship to institution P. If all devices in group G can exchange data with the institution P, the data ⁇ A with the data A2 can be sent to the institution P. Data can be sent online, by radio or by post.
  • Action x specifies that a multiplier M2 for linking with exchange units ⁇ A of the service provider is already present at P.
  • This multiplier M2 is assigned at the time Tz when the service provider receives the identifier from the institution P for offering its services by means of a write reading terminal for chip cards from P.
  • the data ⁇ A1, A2 buffered in the read / write terminal are sent to P.
  • the exchange units ⁇ A at P are implicitly linked arithmetically with the value Ml, since the action u links Ml to usage units of the chip card.
  • the memory works as an account of the exchange units ⁇ AI.
  • the data ⁇ AI are transmitted to institution P in a time period ⁇ t 'following ⁇ t as a data combination ⁇ A1A2.
  • the exchange units ⁇ AI can be used in the institution P using the multiplier M2 for billing services between providers of services L - with their M2 - and users of chip cards.
  • the multiplier Ml is implicitly contained in the usage units that the service provider sends the P through the action u that has already been completed. Both multipliers are therefore applied to ⁇ AI at different times and at different locations. Ml is used when the card user reloads his chip card with usage units, M2 when the service provider presents the exchange units at P.
  • quantities of exchange units ⁇ Ai from distinguishable card users Ni can be transmitted to the institution P by different service providers Li, the institution P linking the ⁇ Ai to the same or different multiplier M2-Mi - and thereby the institution P using different or the same multiplier M2n different service providers are used.
  • certain ⁇ Ak from the set of ⁇ Ai are linked to additional information ⁇ I, the linked data ⁇ Ak ⁇ l being transmitted to the institution P and at the institution P further multipliers M2n, which are distinguishable from M2, are used to calculate services when the information of the ⁇ I is available .
  • Additional data ⁇ Ak can be present in the AI, these ⁇ Ak serving to block certain services and / or service providers and thus data exchange with a screaming reading terminal GX of a service provider LX does not take place.
  • different identifiers A2i from different institutions Pi can be present in the read / write terminal GX, the identifiers serving to ensure the data linkage at a specific institution PA2i.
  • Usage units are transferred from a chip card to a second chip card, identifiers A2i of one chip card having to match identifiers of institutions PA2i of the other chip card or additional information ⁇ I being added to the usage units ⁇ Aki, and the additional information being used by the institutions for billing the units serve between different card users.
  • the assignment of monetary units to usage units and / or exchange units, service units, can be done in different currencies.
  • Figure 1 is a schematic representation of two terminals ZP and A, each with a chip card with the program A or with the
  • Program ZP are able to work together and Figure 2 is a chip card with different programs A, B ... F, which also has the program ZP and can connect to terminals TA equipped for this.
  • a chip card CA 1 has contacts 2, a coil 3 for the contactless function and a semiconductor chip 4 with memories 5, 6, the chip card 1 according to program A, which is located, for example, in program memory 5, Data can be exchanged with an associated terminal 12 via a physical chip card interface 10, which represents a hardware interface of contacts or coils or capacitors or also optical elements.
  • a program ZP is implemented in the chip 4 in a memory 7, which on the one hand cooperates with the program A and thereby provides a unifying transformation method VZ at the physical chip card interface 10.
  • a terminal 11 prepared for reading this method VZ or the program ZP is now capable of being equipped with a chip card 1 in such a manner Communication. From the perspective of the program memory 5 for the program A, the chip card 1 operates according to its program mode A. From the perspective of the terminal 11, however, the chip card 1 operates according to the program ZP.
  • the chip card 1 also has an optical display 8 for the optical display of the monetary, or usage, or power or exchange units stored in the memories 5 or 6 or other memories. Furthermore, the chip card 1 has a hardware part 9, which is, for example, an arithmetic unit and which can of course also be part of the chip 4.
  • a chip card CA 13 in FIG. 2 is intended to show that different programs A, B,... F are present in different program memories 14, 15, 16 in a chip card 13 or different chip cards, each of which has a program ZP in the program memory 7 assigned to it, which communicates via the physical interface 10 with a terminal 17 which is able to interpret the program ZP without being set up for the programs A, B, ... F itself.
  • type CA Conventional chip cards, referred to here as type CA, usually contain one or more software programs A ... F for the purpose of exchanging data DC or identifiers in the memory of the chip card with data DT in terminals of the category TA, the programs AF for exchanging data and / or identifiers DG are used for monetary benefits according to the most varied of methods VI to Vn between a terminal TA and chip cards of type CA, these different methods not being compatible with one another.
  • a chip card CA1 cannot use the method VA 1 for a monetary benefit at a terminal TA2, provided that the terminal can only use the method VA2.
  • this ZP program can provide the same method for data exchange between the chip card and the terminal.
  • the additional program ZP must fulfill a data adaptation function with which the data DG are converted into units DZ.
  • all chip cards that contain this program ZP have a new uniform method VZ, which can be designed in such a way that the different methods VI to Vn, which are still processed at the terminals TA, by the combination with ZP a procedure VZ, which with all terminals, the Programs for data exchange according to the VZ procedure contain, communicate in the same, compatible, interoperable way.
  • Programs A to F are those that exchange data and programs with TA-type terminals. If these terminals continue to be used, the data communication between the terminal and the card takes place in the usual way according to programs A to F without program exchange in the terminal, in that programs A to F exchange data with a terminal TA before the program ZP. Only after an opening procedure can you switch to the ZP program, for example.
  • the ZP program can also exchange data with a terminal before the A bus F programs, after which the terminal is switched to data communication with A to F.
  • Software interfaces 10 which simulate hardware interfaces can be present in the semiconductor chip 4 of the chip card 1, 13.
  • smart cards can send data from software in the same form over a bus as they would from a hardware interface, even though the connection to the outside world is blocked via a hardware interface, for example a port.
  • the program ZP can also simulate the data communication of a terminal in chip 4 by providing software interfaces within the chip. Programs A to F receive their data at the software interfaces in the same way as is the case at the hardware interfaces between the terminal and the chip card.
  • a card holder A has received the chip card from the institution P, for example one of a credit card organization.
  • the identification A2 of the institution P is contained in the chip card.
  • Ml the value of the chip card.
  • Cardholder A books 100.4 AI units in the memory of his chip card. A is charged with 100 units in his unit account at P for these 100.4 units. The institution would like to win many card customers and therefore gives the value 100.4, the card customer benefits from the Ml> 100.
  • a service provider offers L units, e.g. Driving units.
  • the chip card is held in the vicinity of the read / write terminal GX, GX reports with its identifier A2, which matches the identifier A2 in the chip card.
  • the chip card and read / write terminal have thus found that they have an identifier of an institution in common, it being assumed that different institutions do not use the same identifier.
  • the write / read terminal GX debits the units ⁇ AI from the memory of the chip card and sends them, possibly with a time delay, together with many other collected and possibly added ⁇ An from other chip cards to the institution P.
  • quantities of exchange units ⁇ Ai from distinguishable card users Ni are sent to the institution P by different service providers Li.
  • the ⁇ Ai can be linked to the same - or different - multiplier M2 - Mi - at P.
  • the institution P can also use different multipliers M2n for different service providers n when the same service is provided.
  • the chip card 1, 13 in FIG. 1 or 2 has a hardware part 9, which is, for example, an arithmetic unit or a simple processor which has exactly one multiplier Ml or coding operator of many possible multipliers Mn or coding operators, the multiplier Ml or coding operator is permanently linked in the hardware part.
  • the hardware part 9 enables the chip card 1, 13 to use this multiplier Ml or coding operator exclusively for identification. In this way, the multiplier can be identified in terms of hardware.
  • the first-mentioned multiplier when an entity writes or loads usage units, namely stored units, in the form of electronic data (bits) using an identifier, such as a PIN code, into the memory or parts of the memory of the semiconductor chip of the chip card is one those that exist between the provider or service provider, e.g. B. Bank ⁇ customer who uses the chip card.
  • Certain ⁇ Ak from the set of ⁇ Ai can be linked with additional information ⁇ I in order to prepare usage units for special billing.
  • the linked data ⁇ Ak ⁇ I can be transmitted to the institution P, for example in order to grant discounts for frequent users of services.
  • the institution P has other multipliers M2n, which can be distinguished from M2, for billing services which use the information of the ⁇ I.
  • Data ⁇ Ak in the AI can also be used to block certain services and / or service providers. Use of the service does not take place at a read / write terminal. For example, certain television programs could be blocked for young people in this way.
  • identifiers A2 are present on two chip cards, it may be possible to transfer user units from one chip card to a second chip card using suitable devices. It could be within the P's range of services to satisfy both card users with this service, even if there are different multipliers M2 for the card users. Additional information ⁇ I can be added to the use units ⁇ Aki in order to provide P with information about the method used.
  • a chip card can also be loaded with currency units g in the area of the currency g and the usage units can be debited in the area of the currency h if the service provider L has received the A2 from P or a contractual partner of P.

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • 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)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Credit Cards Or The Like (AREA)
  • Techniques For Improving Reliability Of Storages (AREA)

Abstract

L'invention concerne un procédé pour l'utilisation d'unités mémoires dans au moins une mémoire électronique de cartes à puce différentes comportant au moins une puce semi-conductrice. Les cartes à puce sont couplées sans contact au moyen de champs alternatifs électromagnétiques et/ou avec des contacts au moyen de contacts avec des terminaux de lecture/écriture, et échangent de l'énergie et des données. Des cartes à puce du type CA renferment un ou plusieurs programmes (A...F), un échange de données électroniques (bits) DC contenues dans la mémoire de la carte à puce s'effectuant avec des données électroniques (bits) DT contenues dans des terminaux du type TA, et les programmes (A...F) servent à échanger des données/ou des identificateurs DG concernant des transactions en argent selon diverses techniques (V1...Vn) entre un terminal et des cartes à puce du type A. Il existe dans des cartes du type A un programme supplémentaire ZP à titre de complément des programmes existants (A...F), lequel remplit une fonction d'adaptation de données grâce à laquelle les données DG sont converties en unités DZ et les cartes disposent, avec le programme ZP, d'une nouvelle technique homogène VZ. Cette dernière permet de normaliser en une seule technique standard les différentes techniques (V1...Vn) en les associant avec le programme ZP. Cette technique VZ permet la communication identique, compatible et interopérable avec tous les terminaux contenant des programmes pour l'échange de données selon la technique standard VZ.
PCT/EP1998/002044 1997-04-08 1998-04-08 Procede pour l'utilisation d'unites memoires de cartes a puce WO1998045818A2 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU74300/98A AU7430098A (en) 1997-04-08 1998-04-08 Method for using chip card memory units

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
DE1997114259 DE19714259C2 (de) 1997-04-08 1997-04-08 Verfahren zum Nutzen von Werten als elektronische Speichereinheiten in Chipkarten
DE19714259.1 1997-04-08
DEPCT/EP98/00020 1998-01-05

Publications (2)

Publication Number Publication Date
WO1998045818A2 true WO1998045818A2 (fr) 1998-10-15
WO1998045818A3 WO1998045818A3 (fr) 1999-05-20

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AU (1) AU7430098A (fr)
DE (1) DE19714259C2 (fr)
WO (1) WO1998045818A2 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
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WO2003102881A1 (fr) * 2002-05-31 2003-12-11 Infineon Technologies Ag Systeme comprenant un terminal, un module de securite et un dispositif d'authentification
DE10224209B4 (de) * 2002-05-31 2004-09-23 Infineon Technologies Ag Autorisierungseinrichtung-Sicherheitsmodul-Terminal-System
US7295832B2 (en) 2002-05-31 2007-11-13 Infineon Technologies Ag Authorization means security module terminal system

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DE19714259A1 (de) 1999-02-04
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WO1998045818A3 (fr) 1999-05-20

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