EP1344194A2 - Procede et dispositif de transmission d'unites de valeurs electroniques - Google Patents

Procede et dispositif de transmission d'unites de valeurs electroniques

Info

Publication number
EP1344194A2
EP1344194A2 EP01985859A EP01985859A EP1344194A2 EP 1344194 A2 EP1344194 A2 EP 1344194A2 EP 01985859 A EP01985859 A EP 01985859A EP 01985859 A EP01985859 A EP 01985859A EP 1344194 A2 EP1344194 A2 EP 1344194A2
Authority
EP
European Patent Office
Prior art keywords
user
subscriber
coordination center
information
user terminal
Prior art date
Legal status (The legal status 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 status listed.)
Ceased
Application number
EP01985859A
Other languages
German (de)
English (en)
Inventor
Tschangiz Scheybani
Stefan Grünzig
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Giesecke and Devrient GmbH
Original Assignee
Giesecke and Devrient 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 Giesecke and Devrient GmbH filed Critical Giesecke and Devrient GmbH
Publication of EP1344194A2 publication Critical patent/EP1344194A2/fr
Ceased legal-status Critical Current

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
    • G06Q20/38—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
    • G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners

Definitions

  • the invention relates to making payments in the form of electronic money between two network users connected via a data network.
  • a method of this kind is described in the conference documentation OMNICARD 1999, pages 78 to 84.
  • a chip card reader and a home computer then enable a user to make a payment to a dealer via the Internet using a "money card".
  • the amount and the merchant identity are shown on the display of the chip card reader Both must be confirmed by the user using the keyboard of the chip card reader before the amount to be paid is debited from the cash card and forwarded to a clearing house via the merchant.
  • the procedure is based on the exchange of certificates. This ensures that only valid cards for On the retailer side, however, the method requires the establishment of tamper-proof merchant cards which, among other things, communicate the merchant identity to the chip card reader. The system does not allow payments to users without such merchant cards.
  • an e-mail-based method for performing electronic payment transactions is also known. This procedure is based on a coordination center that is accessible via the Internet and where users can register by entering their credit card number and email address. The user can then initiate payments to a third party via the coordination center via mobile phone, e-mail or any other data connection Users of the coordination center designate the amount to be paid and the recipient. After the feasibility of the payment has been checked by the coordination center, the coordination center sends the recipient a cell phone or e-mail with an acknowledgment signal about a payment amount that is ready for it. The recipient then determines the payment method for the transfer of the amount to him.
  • One possible payment method is that the recipient in turn can register with the coordination center by giving his credit card number and his email address.
  • the system enables credit card payments to be made without the payer physically holding money or units of value or having to disclose his credit card number.
  • the paying user transfers the execution of the payment process to the coordination center.
  • the system is not suitable for the transmission of monetary values in electronic form.
  • the invention is based on the Abe to specify a method for executing payments using a cash card, which allows the execution of payment transactions between two over one. Allows users connected to the data network.
  • the object is achieved by a method with the features of the main claim.
  • the object is further achieved by a transaction system according to independent claim 9.
  • the method according to the invention enables electronic value units to be transmitted from a paying user to a recipient who does not need to have a dealer card or a comparable certification facility.
  • the process quickly ensures for the recipient that a payment is due and is also straightforward.
  • the paying user receives by clearly identifying the recipient the certainty that a payment will only be sent to the recipient.
  • the establishment of a transaction system suitable for carrying out the method requires on the part of a user only a commercially available chip card reader which meets the existing security requirements, and on the part of a recipient network access to the data network used.
  • the method according to the invention has the advantage that orders for requested services can only be activated after confirmation of the receipt of payment and also allows value transfers to a recipient without consideration.
  • the transaction system according to the invention is suitable for setting up data network cash registers.
  • it allows the establishment of a cash register system operated via the Internet.
  • a chip card reader of a user is connected directly to a terminal of a receiver, which was set up by means of preferably retrofittable software and hardware modules for handling payment processes via a coordination center.
  • the recipient can use the terminal like a cash register and thus carry out normal purchase transactions.
  • Such a checkout system does not require any special equipment on the part of the user or the recipient, but can be control center is available, easily and flexibly set up wherever there is access to the coordination center via a data network.
  • a particular advantage of such a cash register system is that the recipient does not have to take any special measures to start it up, such as obtaining and setting up a merchant card in order to be authorized to receive payments in the form of electronic units of value.
  • FIG. 3 shows a transaction system that can be used as a cash register system.
  • FIG. 1 shows a transaction system with a first participant 10 named below as a user, a coordination center 40, two further participants 60, 62, a background system 70 assigned to the coordination center 40 and two account-keeping account assigned to the participants 60, 62 and referred to in the following account Devices 80, 82.
  • the user 10, the coordination center 40 and the further participants 60, 62 are connected to one another via a first data network 30, preferably the Internet. All components 10, 40, 60, 62 can also be res communication network 32, such as a cellular network, are connected to each other.
  • the second communication network 32 does not have to be technically uniform, but also includes physically different connections, e.g. B. Mobile networks of different operators and / or landline lines.
  • Coordination center 40 and background system 70 are connected to one another via a data connection 34, which is implemented separately or can be implemented via one of the networks 30, 32.
  • the connections between the background system 70 and the accounts 80, 82 of the subscribers 60, 62 are also formed in the context of the networks 30, 32 or in the form of separate lines.
  • the user 10 is formed by a user terminal 12, hereinafter referred to as a card reader, a portable data carrier 24, which can be loaded with value units and a home computer 28, referred to below as a money card.
  • the card reader 12 includes a microcomputer 15 with a central processor unit 13 and a memory arrangement 14, an operator interface 21 for inputting information to the operator, a display unit 20 for displaying data processed by the microcomputer 15, and a data carrier interface 22 for exchanging data with a money card 24.
  • a keypad is assumed for the operator interface 21, a design as a display for the display device 20.
  • Microcomputer 15, keypad 21 and display 20 are logically and physically connected to one another in such a way that manipulation of data exchanged between these elements is excluded.
  • the core of the money card 24 is a chip 26 with a memory into which electronic value units representing money can be loaded or from which such value units can be removed.
  • the cash card 24 is, for example, an electronic wallet as described in the manual of the chip cards, Rankl, Effing, 3rd edition, Hanser Verlag, Kap. 12.3.
  • the card reader 12 is preferably a “class 3” chip card reader, ie a card reader with a tamper-proof connection of the keyboard and the display.
  • the memory device 14 of the card reader 12 is expediently prepared to hold information 16 for identifying the card reader 12, for example a serial number, transaction security information 17, for example a sequence number, and a key 18 for encrypting the data exchange taking place via the card reader 12.
  • the identification information 16, such as the key 18, is advantageously introduced into the memory device 14 during the manufacture of the card reader 12, by the operator of a coordination center 40 or by a service provider.
  • Identification information 16 and key 18 are stored when the card reader 12 is handed over to a user 10 at a location accessible via the data network 30, for example when the information 16, 18 is generated, with the card reader 12 issuer or in a background system as a registration reference.
  • the card reader 12 is then personalized by the user 10 establishing a connection via the data network 30 to the location where the registration reference is stored, that is to say approximately to the manufacturer of the card reader 12 or the issuing coordination center 40, and a registration routine is executed.
  • the identification information 16 assigned to the card reader 12 is compared with the stored registration reference. If the two agree, the card reader 12 receives first transaction security information 17, which is also stored in the background system or at another location accessible via the data network 30. As an alternative to such a reader personalization of the card reader 12 after a card reader 12 has been handed over to a user 10, provision can be made for the transaction security information 17 to be created and stored immediately when the card reader 12 is handed over.
  • the transaction security information 17 is continuously changed after the initial creation.
  • the change is preferably made in such a way that at no time do two card readers 12 carry identical transaction security information 17. This ensures that it is not possible to execute a transaction with a copied transaction security information 17 without authorization.
  • the combination of identification information 16 and transaction security information 17 permits unambiguous identification of a card reader 12, thus a user 10, connected via a data network 30 at any time. As a result, there are no special security requirements for the storage device 14 with regard to the storage of the identification information 16 and the transaction security information 17.
  • the two items of information 16, 17 can be stored in particular in unprotected areas.
  • Key 18 and identification information 16 do not have to be created and stored together. Rather, the key 18 can be created and stored as a separate measure.
  • the storage device 14 itself and / or the entries 16, 17, 18 located therein can also be present several times in order to, for. B. enable payment transactions with several different coordination centers 40.
  • the home computer 28 is of a conventional type and connects the card reader 12 to the data network 30. It contains the hardware and software necessary for this.
  • the coordination center 40 is, for example, the server of a dealer or service provider who is authorized to receive value units from a money card 24 and has the required security measures. These can be implemented in particular in the form of a dealer card, as described in the introduction - mentioned conference documentation OMNICARD 1999. Part of such a dealer card is the provision of a certificate, by means of which the coordination center 40 proves a user 10 to their identity. As a physical manifestation of the coordination center 40, a conventional computer arrangement with increased performance is used in the following. On the one hand, the service functionalities 42 which are peculiar to the operating service provider and the functionality for handling cash card payment transactions, including the merchant card, are implemented.
  • the coordination center 40 has a directory 48 of the users 10 assigned to the operator of the coordination center 40.
  • the directory 48 contains the registered user 10 each the identification information 16 of the card reader 12 used by the user 10 and / or the transaction security information 17 located in the memory device 14 of the card reader 12.
  • a reference to another storage location can be, for example, a background system 70 or another coordination center 40.
  • the coordination center 40 there is also a second directory 52, referred to below as the recipient directory, which is managed by a registration and playback device 51.
  • Registration information for identifying subscribers 60, 62 is stored in the recipient directory 52.
  • the registration information consists on the one hand of an identifier 54 assigned to each subscriber 60, 62, and on the other hand of an additional subscriber security information associated with each subscriber 60, 62, the alias information 56.
  • the identifier 54 expediently comprises the name of the subscriber 60, 62 and an Connection to an associated account 80, 82; the alias information 56 is assigned by the coordination center 40 and consists, for. B. from a four or more digit number.
  • an access portal 50 is set up in the coordination center 40, ie a device which enables users 10 and subscribers 60, 62 to exchange data with the coordination center 40 via the data network 30.
  • the access portal 50 is an Internet portal.
  • Coordination center 40 can also be set up a plurality of access portals 50, which can be used alternatively and / or are tailored to different user or subscriber groups.
  • the coordination center 40 has a signaling device 58 for sending signals to a subscriber . 60, 62 via email, SMS or the like via the communication network 32
  • the background system 70 is a bank, the computing center of a payment network operator or an information technology service provider, or a comparable device for processing payment transactions.
  • the participants 60, 62 are connected to the data network 30 via suitable terminals, preferably via conventional home computers.
  • the transaction system shown can also have a plurality of different service providers and thus a plurality of coordination centers 40. Different, also overlapping groups of users 10 or subscribers 60, 62 can be registered in the directories 48, 52.
  • the coordination centers 40 can also be connected to different background systems 70.
  • a payment process is initiated by establishing a contact between between a user 10 and one of the participants 60, 62 named below via the data network 30, step 100.
  • the receiver 60, 62 can be a service provider that offers software for sale, for example; but also a person or a group of people to whom a monetary value is to be added without consideration.
  • the establishment of contact is expediently carried out via the data network 30, ie generally via the Internet, but can also be carried out via the communication network 32, for example via telephone, or via any other communication channel.
  • the recipient 60, 62 informs the user of 10 information about his identity.
  • user 10 and recipient 60, 62 agree on an amount to be paid. If he has one, the receiver 60, 62 also informs the user 10 of alias information 56 assigned to him by a specific coordination center 40.
  • the establishment of contact 100 can immediately precede a subsequent payment, but can also take place separately from the payment process.
  • step 102 If the user 10 knows which recipient 60, 62 he wants to transmit which amount, he establishes contact via the data network 30 and the access portal 50 with a suitable coordination center 40, step 102. This can typically be done by the user 10 on the Home computer 28 calls an application that automatically establishes contact with a coordination center 40.
  • the coordination center 40 responds to the establishment of contact by transmitting an opening signal sequence to the user 10, step 104, which prompts him to specify a receiver 60, 62 and an amount to be credited to the receiver. Furthermore, the opening signal sequence causes the card reader 12 to read the identification information 16 and the transaction security information 17 from the memory device 14.
  • the opening signal sequence 104 preferably appears to the user 10 in the form of a on the display 20 reproduced input mask, which he fills out in a dialog-guided manner using the keypad 21, step 106.
  • the filling-in includes the entry of an indication of the identity of a recipient 60, 62 and the entry of an amount to be transmitted.
  • the alias information 56 which the recipient 60, 62 communicated to the user 10 during the previous establishment of contact, is to be entered.
  • the card reader 12 also provides the identification information 16 and transaction security information 17, which he reads from the memory device 14 for this purpose. After confirmation by the user 10, the card reader 12 sends the resulting data block with the designation of a recipient identity, an amount, identification information 16 and transaction security information 17 via the data network 30 to the coordination center 40, step 108.
  • the coordination center 40 asks the user 10 to send the opening signal sequence again to repeat the entry and then checks it again entered information for correctness. A limited number of repetitions is expediently provided for steps 104 to 110. If there is still no identification or transaction security information 16, 17 corresponding to the reference information stored in the user directory 48, the coordination center 40 blocks the continuation of the payment process for the transmitted identification information 16.
  • the coordination center 40 determines the correctness of the identification and transaction security information 16, 17, but if the recipient 60, 62 specified by the user 10 is not registered in the recipient directory 52, the coordination center 40 sends the user 10 a message requesting him, in turn cause the receiver 60, 62 to register with the coordination center 40. If the information on the receiver 60, 62 transmitted to the coordination center 40 by the user 10 permits this, it can also be provided that the coordination center 40 sends a registration request via the data network 30 or the communication network 32 directly to the designated receiver 60, 62.
  • the recipient 60, 62 If the recipient 60, 62 has been informed by the user 10 or by the coordination center 40 that his registration is necessary, he establishes a connection to the coordination center 40 via the data network 30 and the access portal 50 and initiates his registration.
  • the receiver 60, 62 transmits to the coordination center 40 information on its identity and on an account 80, 82 assigned to it, step 115.
  • the coordination center 40 also generates alias information, ie one, for the identifier 54 consisting of identity and account information Additional subscriber security information, which it stores on the one hand with the identifier and on the other hand communicates to the receiver 60, 62, step 116.
  • alias information 56 Since the alias information 56 is known only to the respective subscriber 60, 62 and a coordination center 40, it enables the subscriber to be secured
  • the register of recipients 52 stored registrations against unlimited queries by a user 10.
  • the coordination center 40 then takes over identifier 54 and alias information 56 as registration of the subscriber 60, 62 in the recipient register 52, step 114.
  • a recipient 60, 62 has registered after the coordination center 40 had initially determined, when checking the recipient 60, 62 specified by a user 10, that the recipient 60 is not registered in the recipient directory 52, it proceeds to step 118 after the registration and transmits to the user 10 the now available identity information of the recipient 60, 62, the amount to be paid and a new transaction security information 17.
  • the card reader 12 transfers the transmitted new transaction security information 17 into the storage device 14 and thus replaces the transaction security information 17 last stored there, recipient identity information, amount to be paid and the identity of the coordination center 40 contained in the certificate, ie for example the name of the operator the card reader 12 on its display 20 for display. Do the information shown on the display 20 correspond to the data desired, he confirms it with the keypad 18. The confirmed details of the recipient 60, 62 and amount are sent back from the card reader 12 to the coordination center 40.
  • the card reader 12 now debits the electronic value units corresponding to the amount from the money card 24, step 126.
  • the card reader 12 transmits the resulting value data record signed by the money card 24 to the coordination center 40, step 128.
  • the coordination center 40 Upon receipt of the value data record, the coordination center 40 generates and transmits an acknowledgment signal confirming the input, e.g. via e-mail or SMS, via the data network 30 or via the communication network 32 to the recipient 60, 62, step 130.
  • an acknowledgment signal confirming the input, e.g. via e-mail or SMS, via the data network 30 or via the communication network 32 to the recipient 60, 62, step 130.
  • Receipt of the acknowledgment signal guarantees the receiver 60, 62 that the user 10 will receive the specified amount. If the payment amount received serves to pay a consideration to be paid by the recipient 60, 62, the receipt of the receipt signal from the coordination center 40 activates the order placed by the user 10, step 132, and the recipient 60 initiates the delivery of the committed performance, step 134. Then the coordination dimerizing center 40 effects the forwarding of the received value data record to the assigned background system 70, step 136. The forwarding preferably takes place promptly in direct connection with the sending of the acknowledgment signal, but it can also take place at any later point in time. The background system 70 then causes the payment amount designated by the value data record to be credited to the account 80, 82 assigned to the recipient 60, 62, step 138.
  • a transaction security information 17 is already present in the card reader 12 of the user 10 at the start of the transaction.
  • the card reader 12 is a device that has not yet been personalized, such as a new device, this need not be the case.
  • the user 10 must first carry out reader personalization before a payment transaction can be carried out.
  • the access portal 50 of the coordination center 40 expediently offers the separate execution of a special personalization routine.
  • steps 102 and 104 are also carried out therein.
  • the opening signal sequence only requires the card reader 12 to provide its identification information 16.
  • the coordination center 40 compares it with the stored registration reference, which it may request for this purpose via the data networks 30, 32, 34. If the two agree, it generates a transaction security information 17 and transmits this to the card reader 12, which stores it in the storage device 14. Furthermore, the coordination center 40 causes the storage of the transaction security information 17 in the user zerverzeichnis 48. Following this, 12 payment transactions can be carried out as described with the card reader.
  • the information transmitted in step 118 is encrypted, preferably using an asymmetrical encryption method.
  • the coordination center 40 encrypts the information sent with a secret, asymmetrical key.
  • An associated public key 18 is stored in the card reader 12, by means of which the information received there is decrypted again.
  • the transaction system described can be used as a data network cash register.
  • 3 illustrates such a modified system. It differs from that shown in FIG. 1 in that the user 11 in the sense of an independent subscriber 10 is only represented by the cash card 24 and the person handling it, while the other components 12 forming the user 10 in FIG. 28 belong to your receiver 60, 62 and are each directly connected to it.
  • the components 12, 28 are referred to in FIG. 3 as the user access unit 19.
  • User access unit 19 and receivers 60, 62 have an adapted internal structure that takes their togetherness into account.
  • Data network 30, coordination center 40 and background system 70 correspond in structure and function to that shown in FIG. 1.
  • the provision of a home computer 28 for establishing a connection to a data network 30, 32 can be omitted for the user access unit 19; the groove zerzugangsaku 19 is expediently reduced to a card reader 12.
  • the personalization of the user access unit 19, for example by executing a personalization routine for a device that has not yet been personalized, as described above, is carried out by the person of the recipient 60, 62 to whom it is assigned.
  • the receivers 60, 62 are in the form of a conventional terminal or home computer.
  • the service offered through them now consists in the direct processing of a business transaction between a recipient 60, 62 and a user 11, which on the one hand includes the receipt of a payment by the recipient 60, 62 and, on the other hand, the transfer of goods to the person of a user 11 .
  • the terminal used by the receiver 60, 62 is equipped with a corresponding business application software 64 for carrying out the business transaction. This is expediently set up to complete the input mask provided in step 106 by entering the identity of the recipient 60, 62, an amount to be transmitted and alias information instead of the user 11.
  • the transaction-specific software and hardware elements are expediently accommodated in a special transaction module 65 which can be subsequently combined with an existing business application software 64 and which is set up to carry out a data exchange with the coordination center 40.
  • the terminal used by the receiver 60, 62 has hardware and software means 66 for establishing a data connection to the data network 30.
  • the hardware and software means 66 have the form of a conventional Internet browser, for example.
  • a cash register applet 68 which contains the transaction-specific functionalities and which serves, among other things, for Need to set up a direct connection between user 11 and data network 30.
  • the cash register applet 68 can expediently be reloaded via the data network 30 and allows a receiver 60, 62 to be set up retrospectively at any time for use in the transaction system according to FIG. 3.
  • the transaction system shown in FIG. 3 is used to carry out a payment process in the same way as described with reference to FIG. 2.
  • An advantageous deviation from this, however, is appropriate for filling in the input mask, steps 104, 106, 108, which is sent with the opening signal sequence.
  • the input mask can be filled in by the receiver 60, 62, and the person of the user 11 can therefore be freed from it.
  • the user access unit 19 then only transmits the identification information 16 and the transaction security information 17 to the recipient 60, 62.
  • the steps 106 and 108 can thereby be carried out essentially automatically, for example reduced to a confirmation via the keypad 21, and do not require any active content-related participation by the person of the user 11. The execution of a transaction process can thus be held very comfortably for a user 11.
  • the method described above and the associated transaction system allow further modifications that do not change the basic method concept.
  • the information 16, 17, 18 stored in the storage device 14 can thus be dispensed with in whole or in part. It is also conceivable to dispense with the formation and assignment of alias information 56 by the coordination center in order to prevent undesired access to the recipient directory 52.
  • the concept of using a sequence that is changed in every transaction is number not limited to use in connection with payment transactions. Rather, it is generally useful for preventing simple copying of software used to execute transactions. For example, it provides an easy-to-implement option for quick, first identification of a transaction or communication partner.

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

Abstract

L'invention concerne un procédé et un système de transaction destinés à la transmission d'unités de valeurs électroniques entre un utilisateur (10) et un abonné (60, 62), l'utilisateur et l'abonné étant reliés à une centrale de coordination (40) par l'intermédiaire d'un réseau de données (30). Sur demande de l'utilisateur, la centrale de coordination (40) transmet (118) audit utilisateur (10) une information d'identité désignant l'abonné, ledit utilisateur ajoutant une somme de paiement à cette information par l'intermédiaire d'un terminal utilisateur (12). Après entrée dans la centrale de coordination (40), de l'information d'identité abonné confirmée par l'utilisateur (10) et pourvue d'une somme de paiement, ladite centrale de coordination transmet à l'abonné désigné (60, 62) un signal de quittance (130) concernant l'entrée d'une somme de paiement. Lorsque l'abonné (60, 62) n'est pas connu de la centrale de coordination (40), ledit abonné (60, 62) est enregistré dans la centrale de coordination (40) avec un code (54).
EP01985859A 2000-12-12 2001-12-10 Procede et dispositif de transmission d'unites de valeurs electroniques Ceased EP1344194A2 (fr)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
DE2000161906 DE10061906A1 (de) 2000-12-12 2000-12-12 Verfahren und Vorrichtung zur Übertragung von elektronischen Werteinheiten
DE10061906 2000-12-12
PCT/EP2001/014474 WO2002048978A2 (fr) 2000-12-12 2001-12-10 Procede et dispositif de transmission d'unites de valeurs electroniques

Publications (1)

Publication Number Publication Date
EP1344194A2 true EP1344194A2 (fr) 2003-09-17

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Family Applications (1)

Application Number Title Priority Date Filing Date
EP01985859A Ceased EP1344194A2 (fr) 2000-12-12 2001-12-10 Procede et dispositif de transmission d'unites de valeurs electroniques

Country Status (4)

Country Link
EP (1) EP1344194A2 (fr)
AU (1) AU2002235760A1 (fr)
DE (1) DE10061906A1 (fr)
WO (1) WO2002048978A2 (fr)

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WO1997002539A1 (fr) * 1995-07-06 1997-01-23 Hitachi, Ltd. Systeme d'envoi de monnaie electronique
DE19604876C1 (de) * 1996-02-10 1997-09-04 Deutsche Telekom Ag Verfahren zur Transaktionskontrolle elektronischer Geldbörsensysteme
US5917913A (en) * 1996-12-04 1999-06-29 Wang; Ynjiun Paul Portable electronic authorization devices and methods therefor
FR2757661B1 (fr) * 1996-12-24 1999-01-22 Gemplus Card Int Procede de transfert securise de donnees par un reseau de communication
FR2762118B1 (fr) * 1997-04-11 1999-07-16 Gemplus Card Int Procedure securisee de controle de transfert d'unites de valeur dans un systeme de jeu a carte a puce

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Also Published As

Publication number Publication date
WO2002048978A3 (fr) 2002-09-19
WO2002048978A2 (fr) 2002-06-20
AU2002235760A1 (en) 2002-06-24
DE10061906A1 (de) 2002-10-31

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