FR2792442A1 - TERMINAL, METHOD AND SYSTEM FOR MANAGING MONETARY TRANSACTIONS AND PROVIDING SERVICE - Google Patents

TERMINAL, METHOD AND SYSTEM FOR MANAGING MONETARY TRANSACTIONS AND PROVIDING SERVICE Download PDF

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Publication number
FR2792442A1
FR2792442A1 FR9904605A FR9904605A FR2792442A1 FR 2792442 A1 FR2792442 A1 FR 2792442A1 FR 9904605 A FR9904605 A FR 9904605A FR 9904605 A FR9904605 A FR 9904605A FR 2792442 A1 FR2792442 A1 FR 2792442A1
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France
Prior art keywords
service
terminal
company
monetary
hand
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Granted
Application number
FR9904605A
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French (fr)
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FR2792442B1 (en
Inventor
Francis Orengo
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.)
Manufacture dAppareillage Electrique de Cahors SA
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Manufacture dAppareillage Electrique de Cahors SA
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Application filed by Manufacture dAppareillage Electrique de Cahors SA filed Critical Manufacture dAppareillage Electrique de Cahors SA
Priority to FR9904605A priority Critical patent/FR2792442B1/en
Priority to MA25802A priority patent/MA25000A1/en
Priority to OA1200100262A priority patent/OA11928A/en
Priority to AU36651/00A priority patent/AU3665100A/en
Priority to PCT/FR2000/000838 priority patent/WO2000062261A1/en
Publication of FR2792442A1 publication Critical patent/FR2792442A1/en
Application granted granted Critical
Publication of FR2792442B1 publication Critical patent/FR2792442B1/en
Priority to MA26352A priority patent/MA25349A1/en
Anticipated expiration legal-status Critical
Expired - Fee Related legal-status Critical Current

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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
    • G07F7/0866—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 by active credit-cards adapted therefor
    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/04—Forecasting or optimisation specially adapted for administrative or management purposes, e.g. linear programming or "cutting stock problem"
    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/08—Logistics, e.g. warehousing, loading or distribution; Inventory or stock management
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/229—Hierarchy of users of accounts
    • 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
    • G06Q20/36—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
    • 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
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
    • 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
    • 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

Abstract

La présente invention concerne un terminal (6) de gestion de transactions monétaires et de fourniture de services.Selon l'invention, le terminal de gestion (6) est caractérisé en ce qu'il comporte en outre au moins un module de traitement (10) des informations de services fournis par au moins une société de service (4), ledit module de traitement (10) communiquant de façon bidirectionnelle avec un module de contrôle (18) des équipements techniques (19) de la société de service (4) et coopérant avec l'unité de paiement (7) pour, d'une part, effectuer le paiement des services fournis, et d'autre part, transmettre à ladite société (4), via un deuxième réseau de transmission, des informations relatives aux services fournis.The present invention relates to a terminal (6) for managing monetary transactions and for providing services. According to the invention, the management terminal (6) is characterized in that it further comprises at least one processing module (10 ) service information provided by at least one service company (4), said processing module (10) communicating bidirectionally with a control module (18) of the technical equipment (19) of the service company (4) and cooperating with the payment unit (7) to, on the one hand, make the payment for the services provided, and on the other hand, transmit to said company (4), via a second transmission network, information relating to services provided.

Description

-fq 2792442-fq 2792442

TERMINAL, PROCEDE ET SYSTEME DE GESTION DE  TERMINAL, METHOD AND SYSTEM FOR MANAGING

TRANSACTIONS MONETAIRES ET DE FOURNITURE DE  MONETARY AND SUPPLY TRANSACTIONS

SERVICESSERVICES

La présente invention concerne un terminal de gestion de transactions monétaires et de fourniture de services comportant au moins une unité de paiement munie d'un premier lecteur d'une première carte à puce monétaire, ladite unité de paiement étant reliée à au moins un établissement bancaire et à au moins une compagnie de service via un premier réseau de communication. L'invention concerne également un procédé et un système de gestion de transactions entre un établissement bancaire et au moins une société de service. 20. L'utilisation d'un terminal de traitement de données équipé d'un lecteur de cartes à puce pour effectuer des opérations commerciales est connue notamment par la demande de brevet n0 2 407 518. Le dispositif décrit dans ce document permet l'envoi ou la réception de données respectivement en direction ou en provenance d'une unité de traitement de données distante, mais ne permet pas de réaliser simultanément un transfert bidirectionnel d'informations de façon indépendante et sécurisée entre une ou plusieurs compagnies de services et les équipements de services contrôlés par carte à puce. On connaît également à travers la demande de brevet EP 0 114 773 A2 un dispositif et un procédé pour habiliter le détenteur d'une carte à accéder par cette carte à au moins un service. Ce document a pour objet uniquement le contrôle de l'accès au service et ne décrit pas non plus la  The present invention relates to a terminal for managing monetary transactions and providing services comprising at least one payment unit provided with a first reader of a first monetary chip card, said payment unit being connected to at least one banking establishment. and to at least one service company via a first communication network. The invention also relates to a method and a system for managing transactions between a banking establishment and at least one service company. 20. The use of a data processing terminal equipped with a smart card reader for carrying out commercial operations is known in particular from patent application No. 2 407 518. The device described in this document allows sending or the reception of data respectively to or from a remote data processing unit, but does not allow simultaneous two-way transfer of information independently and securely between one or more service companies and the equipment smart card controlled services. Also known from patent application EP 0 114 773 A2 is a device and a method for enabling the holder of a card to access by this card at least one service. The purpose of this document is only to control access to the service and does not describe the

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possibilité de réaliser le transfert bidirectionnel d'informations entre une ou plusieurs compagnies de services et les équipements de services contrôlés par  possibility of carrying out the bidirectional transfer of information between one or more service companies and the service equipment controlled by

carte à puce.Smartcard.

Le but de l'invention est de réaliser un terminal capable d'assurer simultanément et de façon sécurisée des transactions entre un ou plusieurs organismes bancaires reliés via un premier réseau dédié à la transmission de données monétaires, et une ou plusieurs sociétés de service reliées via un ou plusieurs réseaux indépendants dédiés à la transmission  The object of the invention is to provide a terminal capable of simultaneously and securely ensuring transactions between one or more banking organizations linked via a first network dedicated to the transmission of monetary data, and one or more service companies linked via one or more independent networks dedicated to transmission

de données techniques relatives aux services fournis.  technical data relating to the services provided.

A cet effet, outre l'unité de paiement, le terminal selon l'invention comporte au moins un module de traitement des informations de services fournis par au moins une société de service, ledit module de traitement communiquant de façon bidirectionnelle avec un module de contrôle des équipements techniques de la société de service et coopérant avec l'unité de paiement pour, d'une part, effectuer le paiement des services fournis, et d'autre part, transmettre à ladite société, via un deuxième réseau de transmission, des informations  To this end, in addition to the payment unit, the terminal according to the invention comprises at least one module for processing service information provided by at least one service company, said processing module communicating bidirectionally with a control module. technical equipment of the service company and cooperating with the payment unit to, on the one hand, make the payment for the services provided, and on the other hand, transmit to said company, via a second transmission network, information

relatives aux services fournis.relating to the services provided.

Le procédé selon l'invention est caractérisé en ce que l'on charge sur une carte à puce dédiée aux informations de services une valeur représentative de la prestation de service autorisée, et simultanément ou successivement, on débite une carte à puce monétaire d'un montant correspondant au coût de la prestation autorisée, puis on transmet les informations monétaires via un premier réseau, à l'établissement bancaire, et lesdites informations monétaires ainsi que des informations techniques relatives aux services fournis,  The method according to the invention is characterized in that a value representative of the authorized service provision is loaded onto a smart card dedicated to service information, and a monetary smart card is debited simultaneously or successively amount corresponding to the cost of the authorized service, then the monetary information is transmitted via a first network to the banking establishment, and said monetary information as well as technical information relating to the services provided,

via un deuxième réseau, à la société de service.  via a second network, to the service company.

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Selon une caractéristique importante de l'invention, le module de traitement et le module de contrôle comportent chacun des moyens de sécurisation amovibles. Préférentiellement, le module de traitement comporte une unité de lecture d'une deuxième carte à puce destinée à gérer au moins un service fourni par au  According to an important characteristic of the invention, the processing module and the control module each comprise removable securing means. Preferably, the processing module comprises a unit for reading a second smart card intended to manage at least one service provided by the

moins une société de service.minus a service company.

D'autres caractéristiques et avantages de  Other features and benefits of

l'invention ressortiront de la description qui va  the invention will emerge from the description which goes

suivre, prise à titre d'exemple non limitatif, en référence aux figures annexées dans lesquelles: - La figure 1 représente un schéma illustrant un système global de communication utilisant un terminal conforme à l'invention; - la figure 2 représente schématiquement un mode particulier de réalisation d'un terminal conforme à l'invention. La figure 1 représente un système de gestion d'au moins une transaction entre au moins un établissement bancaire 2 communiquant via un premier réseau de transmission et au moins une société de service 4 communiquant via un deuxième réseau de transmission. Ce système comporte un terminal 6 de gestion des transactions monétaires et de fourniture de services comportant une unité de paiement 7 munie d'un premier lecteur 8 d'une première carte à puce monétaire 9, ladite unité de paiement 7 étant reliée à l'établissement bancaire 2 via un premier réseau de communication. Le terminal 6 comporte en outre un module de traitement des informations de services fournies par la société de service 4. Ledit module de traitement 10 communiquant de façon bidirectionnelle avec un module de contrôle 18 des équipements techniques 19 de la  follow, taken by way of nonlimiting example, with reference to the appended figures in which: - Figure 1 represents a diagram illustrating a global communication system using a terminal according to the invention; - Figure 2 schematically shows a particular embodiment of a terminal according to the invention. FIG. 1 represents a system for managing at least one transaction between at least one banking establishment 2 communicating via a first transmission network and at least one service company 4 communicating via a second transmission network. This system comprises a terminal 6 for managing monetary transactions and for providing services comprising a payment unit 7 provided with a first reader 8 of a first monetary chip card 9, said payment unit 7 being connected to the establishment banking 2 via a first communication network. The terminal 6 also comprises a module for processing the service information supplied by the service company 4. Said processing module 10 communicating bidirectionally with a control module 18 of the technical equipment 19 of the

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société de service et coopère avec l'unité de paiement 7 pour, d'une part, effectuer le paiement à la société de service 4 des services fournis, et d'autre part, transmettre à ladite société 4, via un deuxième réseau de transmission, des informations relatives auxdits services effectivement fournis. Ladite société de service est une compagnie de distribution d'énergie  service company and cooperates with the payment unit 7 to, on the one hand, make payment to the service company 4 for the services provided, and on the other hand, transmit to said company 4, via a second transmission network , information relating to said services actually provided. Said service company is an energy distribution company

et/ou d'eau par exemple.and / or water for example.

Selon un mode préféré de réalisation de Io l'invention, les modules de traitement 10 et de contrôle 18 comportent chacun des moyens de sécurisation amovibles'20 du type SAM à carte à puce, qui contiennent un programme et un code spécifiques à la société qui fournit les services et peuvent également contenir des paramètres relatifs aux services délivrés tels que par exemple des tarifs ou des limitations. Une horloge 21 permet de dater les événements dans le terminal 6 et  According to a preferred embodiment of Io the invention, the processing 10 and control modules 18 each comprise removable security means 20 of the SAM type with smart card, which contain a program and a code specific to the company which provides the services and may also contain parameters relating to the services delivered, such as for example tariffs or limitations. A clock 21 makes it possible to date the events in the terminal 6 and

dans le module de contrôle 18.in the control module 18.

En outre, le module de traitement 10 comporte une unité de lecture 14 d'une carte à puce 16 destinée à gérer au moins un service fourni par la société de  In addition, the processing module 10 comprises a unit 14 for reading a smart card 16 intended to manage at least one service provided by the communications company.

service 4.service 4.

En fonctionnement, on charge sur la carte à puce 16 dédiée aux informations de services une valeur représentative de la prestation de service autorisée on enregistre dans le terminal 6 les informations préalablement chargées à partir du module de contrôle 18 sur ladite carte à puce 16, et simultanément ou successivement on débite la carte à puce monétaire 9 d'un montant correspondant à la prestation autorisée, puis on transmet les informations monétaires à l'établissement bancaire 2 via un premier réseau et les informations de service, à la société de service 4 via un deuxième réseau. Les informations transmises à la société de service peuvent être la quantité consommée dans le cas de distribution d'énergie, l'état des  In operation, a value representative of the authorized service is loaded onto the smart card 16 dedicated to the service information. The information previously loaded from the control module 18 is stored on said smart card 16, and simultaneously or successively, the monetary chip card 9 is debited with an amount corresponding to the authorized service, then the monetary information is transmitted to the banking establishment 2 via a first network and the service information to the service company 4 via a second network. The information transmitted to the service company may be the quantity consumed in the case of energy distribution, the status of

27924422792442

équipements, l'identité des utilisateurs et  equipment, user identity and

d'éventuelles tentatives de fraudes.  possible fraud attempts.

Le terminal 6 comporte en outre un clavier de commande 22, un écran 23 et une imprimante 24 permettant d'afficher et d'imrhprimer les caractéristiques techniques  The terminal 6 furthermore comprises a control keyboard 22, a screen 23 and a printer 24 making it possible to display and print the technical characteristics

et monétaires de la transaction.and monetary of the transaction.

De façon connue en soi, l'établissement bancaire 2, la société de service 4 et le terminal 6 sont équipés  In a manner known per se, the banking establishment 2, the service company 4 and the terminal 6 are equipped

de moyens de transmission de données 25.  data transmission means 25.

Dans un mode particulier de réalisation de l'invention illustré à la figure 2, l'unité de paiement 7 comporté un lecteur supplémentaire 26 d'une deuxième carte à-puces monétaire 28. Ce mode de réalisation est particulièrement adapté au cas o le terminal de gestion 6 est installé chez un commerçant. Dans ce cas, le paiement de la prestation est réalisé en débitant le montant correspondant à partir de la carte 28 du commerçant au moyen du lecteur supplémentaire 26. Le paiement peut également être effectué en espèces auprès du commerçant. La recharge du montant de la prestation  In a particular embodiment of the invention illustrated in FIG. 2, the payment unit 7 includes an additional reader 26 of a second monetary chip card 28. This embodiment is particularly suitable for the case where the terminal 6 is installed at a merchant. In this case, payment for the service is made by debiting the corresponding amount from the merchant's card 28 using the additional reader 26. Payment can also be made in cash to the merchant. Recharge of the amount of the benefit

se fait alors par débit sur la carte du commerçant.  is then made by debit on the merchant's card.

Le terminal de gestion 6 peut également être  The management terminal 6 can also be

installé dans une borne publique.installed in a public terminal.

La carte à puce 16 dédiée aux informations techniques relatives aux services peut être spécifique à chaque société de service ou être commune à plusieurs sociétés. Dans ce dernier cas, ladite carte 16 comporte plusieurs zones mémoires indépendantes associées chacune  The smart card 16 dedicated to technical information relating to services can be specific to each service company or be common to several companies. In the latter case, said card 16 comprises several independent memory zones each associated

à un code d'accès spécifique à chaque société.  to an access code specific to each company.

Le terminal 6 selon l'invention peut être utilisé dans un système d'autorisation d'accès à une zone ou à un local tel que par exemple un parc pour voiture ou un local d'activités sportives. Il peut également être utilisé pour le contrôle d'un équipement tel que par exemple une machine de distribution automatique de produits consommables ou un appareil mis  The terminal 6 according to the invention can be used in an authorization system for access to an area or to a room such as for example a car park or a room for sports activities. It can also be used to control equipment such as for example an automatic dispensing machine for consumables or a device

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à la disposition de l'utilisateur par la société de service.  made available to the user by the service company.

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Claims (12)

REVENDICATIONS 1. Terminal (6) de gestion de transactions monétaires et de fourniture de services comportant au moins une unité de paiement (7) munie d'un premier lecteur (8) d'une première carte à puce monétaire (9), ladite unité de paiement (7) étant reliée à au moins un établissement bancaire (2) via un premier réseau de communication, caractérisé en ce qu'il comporte en outre au moins un module de traitement (10) des informations de services fournis par au moins une société de service (4), ledit module de traitement (10) communiquant de façon bidirectionnelle avec un module de contrôle (18) des équipements techniques (19) de la société de service (4) et coopérant avec l'unité de paiement (7) pour, d'une part, effectuer le paiement des services fournis, et d'autre part, transmettre à ladite société (4), via un deuxième réseau de transmission, des informations  1. Terminal (6) for managing monetary transactions and providing services comprising at least one payment unit (7) provided with a first reader (8) with a first monetary chip card (9), said unit payment (7) being connected to at least one banking establishment (2) via a first communication network, characterized in that it also comprises at least one module (10) for processing service information provided by at least one company service (4), said processing module (10) communicating bidirectionally with a control module (18) of the technical equipment (19) of the service company (4) and cooperating with the payment unit (7) to, on the one hand, make payment for the services provided, and on the other hand, transmit to said company (4), via a second transmission network, information relatives aux services fournis.relating to the services provided. 2. Terminal selon la revendication 1, caractérisé en ce que le module de traitement (10) et le module de contrôle (18) comportent chacun des moyens de  2. Terminal according to claim 1, characterized in that the processing module (10) and the control module (18) each include means for sécurisation amovibles (20).removable securing (20). 3. Terminal selon la revendication 2, caractérisé en ce que lesdits moyens de sécurisation amovibles (20) contiennent un programme et un code  3. Terminal according to claim 2, characterized in that said removable securing means (20) contain a program and a code spécifiques à la société de service (4).  specific to the service company (4). 4. Terminal selon la revendication 2, caractérisé en ce que le module de traitement (10) comporte une unité de lecture (14) d'une deuxième carte à puce (16) destinée à gérer au moins un service fourni  4. Terminal according to claim 2, characterized in that the processing module (10) comprises a reading unit (14) of a second smart card (16) intended to manage at least one service provided par au moins une société de service (4).  by at least one service company (4). 8 27924428 2792442 5. Terminal selon l'une des revendications 1 à  5. Terminal according to one of claims 1 to 4, caractérisé en ce qu'il comporte un clavier (22), un écran (23) et une imprimante (24) destinés à afficher et à imprimer les caractéristiques techniques et monétaires  4, characterized in that it comprises a keyboard (22), a screen (23) and a printer (24) intended to display and print the technical and monetary characteristics des transactions.transactions. 6. Terminal selon la revendication 1, caractérisé en ce que ladite unité de paiement (7) comporte un lecteur supplémentaire (26) d'une deuxième  6. Terminal according to claim 1, characterized in that said payment unit (7) comprises an additional reader (26) of a second carte à puce monétaire (28).monetary smart card (28). 7. Procédé de gestion de transactions entre un établissement bancaire (2) et au moins une société de service (4), ledit procédé utilisant un terminal (6)  7. Method for managing transactions between a banking establishment (2) and at least one service company (4), said method using a terminal (6) conforme à l'une des revendications 1 à 7, caractérisé  according to one of claims 1 to 7, characterized en ce que l'on charge sur une carte à puce (16) dédiée aux informations de services une valeur représentative de la prestation de service autorisée, et on débite une carte à puce monétaire (9) d'un montant correspondant au coût de la prestation autorisée, puis on transmet, d'une part via un premier réseau, les informations monétaires à l'établissement bancaire (2), et d'autre part via un deuxième réseau, lesdites informations monétaires et des informations techniques relatives aux services fournis à  in that a value representative of the authorized service is loaded onto a chip card (16) dedicated to service information, and a monetary chip card (9) is debited with an amount corresponding to the cost of the authorized service, then we transmit, on the one hand via a first network, the monetary information to the banking establishment (2), and on the other hand via a second network, said monetary information and technical information relating to the services provided to la société de service (4).the service company (4). 8. Procédé selon la revendication 7, caractérisé en ce que l'on enregistre dans le terminal (6) les informations préalablement chargées à partir du module  8. Method according to claim 7, characterized in that the information previously loaded from the module is recorded in the terminal (6) de contrôle (18) sur la carte à puce (16).  control (18) on the smart card (16). 9. Système de gestion d'au moins une transaction entre au moins un établissement bancaire (2) communiquant via un premier réseau de transmission et au moins une société de service (4) communiquant via un  9. Management system for at least one transaction between at least one banking establishment (2) communicating via a first transmission network and at least one service company (4) communicating via a 9 27924429 2792442 deuxième réseau de transmission, caractérisé en ce qu'il comporte un terminal (6) de gestion des transactions monétaires et de services conforme à l'une des  second transmission network, characterized in that it comprises a terminal (6) for managing monetary transactions and services in accordance with one of the revendications 1 à 8 communiquant, d'une part, avec des  claims 1 to 8 communicating, on the one hand, with équipements techniques de la société de service (4) et  technical equipment of the service company (4) and d'autre part, avec l'établissement bancaire (2).  on the other hand, with the banking establishment (2). 10. Système selon la revendication 9, caractérisé en ce que ladite société de service (4) est  10. System according to claim 9, characterized in that said service company (4) is une compagnie de distribution d'énergie et/ou d'eau.  an energy and / or water distribution company. 11. Utilisation d'un terminal conforme à l'une  11. Use of a terminal in accordance with one des revendications 1 à 6 pour le contrôle de l'accès à  of claims 1 to 6 for the control of access to une zone ou à un local.an area or a room. 12. Utilisation d'un terminal conforme à l'une  12. Use of a terminal in accordance with one des revendications 1 à 6 pour le contrôle de  of claims 1 to 6 for the control of l'utilisation d'un équipement.the use of equipment.
FR9904605A 1999-04-13 1999-04-13 TERMINAL, METHOD AND SYSTEM FOR MANAGING MONETARY TRANSACTIONS AND PROVIDING SERVICE Expired - Fee Related FR2792442B1 (en)

Priority Applications (6)

Application Number Priority Date Filing Date Title
FR9904605A FR2792442B1 (en) 1999-04-13 1999-04-13 TERMINAL, METHOD AND SYSTEM FOR MANAGING MONETARY TRANSACTIONS AND PROVIDING SERVICE
MA25802A MA25000A1 (en) 1999-04-13 1999-10-05 TERMINAL, METHOD AND SYSTEM FOR MANAGING MONETARY TRANSACTIONS AND PROVIDING SERVICE
OA1200100262A OA11928A (en) 1999-04-13 2000-04-04 Terminal, procédé et système de gestion de transactions monétaires et de fourniture de services.
AU36651/00A AU3665100A (en) 1999-04-13 2000-04-04 Terminal method and system for managing monetary transactions and supply of services
PCT/FR2000/000838 WO2000062261A1 (en) 1999-04-13 2000-04-04 Terminal method and system for managing monetary transactions and supply of services
MA26352A MA25349A1 (en) 1999-04-13 2001-10-09 TERMINAL, METHOD AND SYSTEM FOR MANAGING MONETARY TRANSACTIONS AND PROVIDING SERVICES

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FR9904605A FR2792442B1 (en) 1999-04-13 1999-04-13 TERMINAL, METHOD AND SYSTEM FOR MANAGING MONETARY TRANSACTIONS AND PROVIDING SERVICE

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FR2827058B1 (en) 2001-07-09 2005-05-27 A S K ELECTRONIC CASH SYSTEM FOR ELECTRONIC COIN PURSE
CN103310536B (en) * 2013-06-03 2016-06-08 安徽富煌和利时科技股份有限公司 A kind of multi-functional IC-card card-punching system

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FR2407518A1 (en) 1977-10-28 1979-05-25 Int Standard Electric Corp Computer terminal recording transactions at sales point - has card scanner, display unit and remote control station and display for purchaser
EP0114773A2 (en) 1983-01-20 1984-08-01 Bull S.A. Method and device for authorizing the holder of a portable object, such as a card, access by means of this card, to at least one service delivered by at least one authorizing organisation
WO1996001459A1 (en) * 1994-07-01 1996-01-18 Skidata Computer Gesellschaft M.B.H. Controlling device
EP0740275A2 (en) * 1986-09-02 1996-10-30 Pitney Bowes, Inc. Automated transaction system with modular printhead having print authentication feature
WO1997010575A1 (en) * 1995-09-14 1997-03-20 Francisco Mathieu Prepaid rated utility supply controller device
WO1997028510A1 (en) * 1996-02-01 1997-08-07 Imaging Technologies Pty. Ltd. Improved electronic ordering device and electronic retailing and vending systems
WO1997031480A1 (en) * 1996-02-26 1997-08-28 E Guide, Inc. Cordless phone back link for interactive television system
WO1998037524A1 (en) * 1997-06-27 1998-08-27 Swisscom Ag Transaction method using a mobile device

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Publication number Priority date Publication date Assignee Title
FR2407518A1 (en) 1977-10-28 1979-05-25 Int Standard Electric Corp Computer terminal recording transactions at sales point - has card scanner, display unit and remote control station and display for purchaser
EP0114773A2 (en) 1983-01-20 1984-08-01 Bull S.A. Method and device for authorizing the holder of a portable object, such as a card, access by means of this card, to at least one service delivered by at least one authorizing organisation
EP0740275A2 (en) * 1986-09-02 1996-10-30 Pitney Bowes, Inc. Automated transaction system with modular printhead having print authentication feature
WO1996001459A1 (en) * 1994-07-01 1996-01-18 Skidata Computer Gesellschaft M.B.H. Controlling device
WO1997010575A1 (en) * 1995-09-14 1997-03-20 Francisco Mathieu Prepaid rated utility supply controller device
WO1997028510A1 (en) * 1996-02-01 1997-08-07 Imaging Technologies Pty. Ltd. Improved electronic ordering device and electronic retailing and vending systems
WO1997031480A1 (en) * 1996-02-26 1997-08-28 E Guide, Inc. Cordless phone back link for interactive television system
WO1998037524A1 (en) * 1997-06-27 1998-08-27 Swisscom Ag Transaction method using a mobile device

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WO2000062261A1 (en) 2000-10-19
MA25000A1 (en) 2000-07-01
AU3665100A (en) 2000-11-14
FR2792442B1 (en) 2001-06-29
MA25349A1 (en) 2001-12-31
OA11928A (en) 2006-04-12

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