HUP0000448A2 - Chip card, terminal for use with it, chip card system and method for using the chip card - Google Patents

Chip card, terminal for use with it, chip card system and method for using the chip card

Info

Publication number
HUP0000448A2
HUP0000448A2 HU0000448A HUP0000448A HUP0000448A2 HU P0000448 A2 HUP0000448 A2 HU P0000448A2 HU 0000448 A HU0000448 A HU 0000448A HU P0000448 A HUP0000448 A HU P0000448A HU P0000448 A2 HUP0000448 A2 HU P0000448A2
Authority
HU
Hungary
Prior art keywords
card
data
service provider
transactions
chip card
Prior art date
Application number
HU0000448A
Other languages
Hungarian (hu)
Inventor
Adelheid Burger
Holger Engelhardt
Michael Gollner
Michael Hinz
Stefan Kissinger
Anton J. Kuchelmeister
Michael Radnoti
Andreas Schwier
Original Assignee
BB-DATA Gesellschaft für Informations-und Kommunikationssysteme mbH
Deutsche Bank Ag
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
Priority claimed from DE19718115A external-priority patent/DE19718115A1/en
Application filed by BB-DATA Gesellschaft für Informations-und Kommunikationssysteme mbH, Deutsche Bank Ag filed Critical BB-DATA Gesellschaft für Informations-und Kommunikationssysteme mbH
Publication of HUP0000448A2 publication Critical patent/HUP0000448A2/en
Publication of HUP0000448A3 publication Critical patent/HUP0000448A3/en

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
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K17/00—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07716—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising means for customization, e.g. being arranged for personalization in batch
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/355—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
    • G06Q20/3576—Multiple memory zones on card
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
    • G07B15/00—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points
    • G07B15/02—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points taking into account a variable factor such as distance or time, e.g. for passenger transport, parking systems or car rental systems

Abstract

A találmány egyrészt csipkártya tranzakciók végrehajtására, amelytranzakcióknál pénzértékű egységek vagy más nemmőnetáris igényeketreprezentáló értékadatők kerülnek átvitelre a kártya tűlajdőnősa, éslegalább egy tranzakciós partner (szőlgáltatásprővider) között, vagyazők a szőlgáltatásprővidernek az igény hitelesítéséhez beműtatásrakerülnek, amely csipkártya tartalmaz a tranzakciók végrehajtásáhőzszükséges adatők tárőlására szőlgáló tárőlót, eszközt egymeghatárőzőtt szőlgáltatásprőviderhez hőzzárendelt egy vagy többkártya alkalmazásnak (VAS-alkalmazás) a kártyára való betöltésére,amely alkalmazásők a kártya tűlajdőnősa, és az alkalmazáshőz rendeltszőlgáltatásprővider közötti tranzakciók végrehajtását tesziklehetővé, és tartalmaz tővábbá egy szőlgáltatásprővider tűlajdőnábanem tartőzó átviteli tárőlótartőmányt (EF-TRANSFER) egy tranzakcióvégrehajtásakőr a különböző szőlgáltatásprőviderek között kicserélendővagy beműtatandó, pénzértékű egységeket vagy nemmőnetáris igényeketreprezentáló értékadatők tárőlására, valamint eszközt adatőknak írásiparancs (TRANSFER) hatására az átviteli tárőlóba való beírásáhőz. Atalálmány másrészt terminál a csipkártyával való alkalmazásra, illetveőlyan rendszertranzakciók végrehajtásáhőz, amely tartalmazza acsipkártyát és a terminált. A találmány tővábbá eljárás tranzakciókvégrehajtásáhőz egy kártyatűlajdőnős, és legalább egyszőlgáltatásprővider között a csipkártya, és a terminálfelhasználásával, amelynek sőrán előirányőznak egy, a kártyán eltárőltadatstrűktúrát, amelybe a kártya tűlajdőnősa és egyszőlgáltatásprővider közötti tranzakció végrehajtásának lehetővétételéhez szükséges adatőkat tölthetnek be, amely adatők egy aszőlgáltatás-prőviderhez hőzzárendelt kártya alkalmazás (VAS-adatők)adatai, valamint adatőkat írnak az adatstrűktúrába (VAS-alkalmazás)vagy adatőkat őlvasnak abból a szőlgáltatásprővider és a kártyatűlajdőnősa közötti tranzakciók végrehajtásáhőz, illetve előirányőznakegy szőlgáltatásprővider tűlajdőnába nem tartőzó átvitelitárőlótartőmányt (EF-TRANSFER) a különböző szőlgáltatásprőviderekközött kicserélendő vagy beműtatandó, pénzértékű egységeket vagynemmőnetáris igényeket reprezentáló adatők tárőlására, valamintadatőkat írnak az átviteli tárőlóba vagy az átviteli tárőlóbóladatőkat őlvasnak. ŕOn the one hand, the invention is for the execution of chip card transactions, in which transactions units of monetary value or other value data representing non-monetary claims are transferred between the holder of the card and at least one transaction partner (service provider), or they are used for the authentication of the claim by the service provider, which chip card contains a storage medium for storing the data necessary for the execution of transactions, device for loading one or more card applications (VAS application) assigned to a specified service provider to the card, which applications enable the execution of transactions between the card holder and the service provider assigned to the application, and further includes a transfer storage (EF-TRANSFER) stored in the service provider's holder for one transaction drive guard is different for the storage of value data representing units of monetary value or non-monetary claims to be exchanged or entered between service providers, as well as for writing them into the transfer storage as a result of a write command (TRANSFER) for those giving assets. The invention is, on the other hand, a terminal for use with a chip card and for executing system transactions that include a chip card and the terminal. The invention further provides a method for executing transactions between a card reader and at least one service provider by using the chip card and the terminal, in which a data structure stored on the card is provided, in which the data necessary to enable the execution of a transaction between the card reader and one service provider can be loaded, which data can be entered into a service provider heat sealed for vider card application data (VAS data), as well as data is written to the data structure (VAS application) or data is read from it for the execution of transactions between the service provider and the card pin holder, as well as the transmission transfer content (EF-TRANSFER) that does not belong to a service provider's pin holder to be exchanged or inserted between different service providers to be operated on , for storing data representing units of monetary value or non-monetary demands, as well as writing data to the transmission storage or reading data from the transmission storage. ŕ

HU0000448A 1996-12-23 1997-12-19 Chip card, terminal for use with it, chip card system and method for using the chip card HUP0000448A3 (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
DE19654187 1996-12-23
DE19718115A DE19718115A1 (en) 1996-12-23 1997-04-29 Smart card and method of using the smart card
PCT/DE1997/003012 WO1998028718A2 (en) 1996-12-23 1997-12-19 Chip card and method for its use

Publications (2)

Publication Number Publication Date
HUP0000448A2 true HUP0000448A2 (en) 2000-06-28
HUP0000448A3 HUP0000448A3 (en) 2000-08-28

Family

ID=26032753

Family Applications (1)

Application Number Title Priority Date Filing Date
HU0000448A HUP0000448A3 (en) 1996-12-23 1997-12-19 Chip card, terminal for use with it, chip card system and method for using the chip card

Country Status (18)

Country Link
EP (1) EP0968485A2 (en)
JP (1) JP2000508101A (en)
AP (1) AP1062A (en)
AU (1) AU738719B2 (en)
BG (1) BG63233B1 (en)
CA (1) CA2275931A1 (en)
CZ (1) CZ225499A3 (en)
EA (1) EA001837B1 (en)
HU (1) HUP0000448A3 (en)
ID (1) ID23950A (en)
IL (1) IL130174A0 (en)
IS (1) IS5060A (en)
NO (1) NO993102L (en)
NZ (1) NZ336403A (en)
PL (1) PL334183A1 (en)
SK (1) SK86099A3 (en)
TR (1) TR199901431T2 (en)
WO (1) WO1998028718A2 (en)

Families Citing this family (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
HRP980597A2 (en) * 1998-11-18 2001-06-30 Lada Sokota Multifunctional bank card
DE19929164A1 (en) 1999-06-25 2001-01-11 Giesecke & Devrient Gmbh Method for operating a data carrier designed for executing reloadable function programs
AUPQ268999A0 (en) * 1999-09-07 1999-09-30 Keycorp Limited Application management for multi application devices
DE10324996A1 (en) 2003-06-03 2005-02-17 Giesecke & Devrient Gmbh Chip card with at least one application
FR2882835B1 (en) * 2005-03-01 2007-09-07 Softway Sa SECURE TRANSFER METHOD WITH SECURE MEDIA CARD
EP2199992A1 (en) * 2008-12-19 2010-06-23 Gemalto SA Secure activation before contactless banking smart card transaction
JP5701855B2 (en) * 2009-04-10 2015-04-15 コーニンクレッカ フィリップス エヌ ヴェ Device and user authentication
RU2624555C2 (en) * 2015-08-19 2017-07-04 Общество с ограниченной ответственностью "ОВЕРКОМ" Data processing system during product release and service delivery

Family Cites Families (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4816653A (en) * 1986-05-16 1989-03-28 American Telephone And Telegraph Company Security file system for a portable data carrier
DE3833241A1 (en) * 1988-09-30 1990-04-05 Deutsche Bundespost METHOD FOR PROGRAMMING CHIP CARDS
JPH02165290A (en) * 1988-12-19 1990-06-26 Hitachi Maxell Ltd Ic card and method for operating ic card
FR2673476B1 (en) * 1991-01-18 1996-04-12 Gemplus Card Int SECURE METHOD FOR LOADING MULTIPLE APPLICATIONS INTO A MICROPROCESSOR MEMORY CARD.
DE4205567A1 (en) * 1992-02-22 1993-08-26 Philips Patentverwaltung METHOD FOR CONTROLLING ACCESS TO A STORAGE AND ARRANGEMENT FOR IMPLEMENTING THE METHOD
FR2687816B1 (en) * 1992-02-24 1994-04-08 Gemplus Card International METHOD FOR PERSONALIZING A CHIP CARD.
US5544246A (en) * 1993-09-17 1996-08-06 At&T Corp. Smartcard adapted for a plurality of service providers and for remote installation of same
JP3176209B2 (en) * 1994-02-25 2001-06-11 富士通株式会社 Card-type storage medium and card-type storage medium issuing device
GB9411586D0 (en) * 1994-06-09 1994-08-03 Zeneca Ltd Coating process

Also Published As

Publication number Publication date
WO1998028718A3 (en) 1998-10-08
IS5060A (en) 1999-05-28
NO993102D0 (en) 1999-06-22
EP0968485A2 (en) 2000-01-05
IL130174A0 (en) 2000-06-01
BG63233B1 (en) 2001-06-29
AP9901573A0 (en) 1999-06-30
ID23950A (en) 2000-06-08
AU738719B2 (en) 2001-09-27
TR199901431T2 (en) 1999-10-21
NZ336403A (en) 2001-09-28
PL334183A1 (en) 2000-02-14
NO993102L (en) 1999-08-23
SK86099A3 (en) 2000-01-18
WO1998028718A2 (en) 1998-07-02
JP2000508101A (en) 2000-06-27
AP1062A (en) 2002-04-25
CA2275931A1 (en) 1998-07-02
EA199900538A1 (en) 2000-06-26
HUP0000448A3 (en) 2000-08-28
EA001837B1 (en) 2001-08-27
BG103490A (en) 2000-02-29
CZ225499A3 (en) 1999-11-17
AU5748798A (en) 1998-07-17

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