BE1016829A3 - Electronic payment card for e.g. product, has unique number and component storing information required for utilization of card, where card is loaded with preset amount and is not related to postal or bank account of carrier of card - Google Patents

Electronic payment card for e.g. product, has unique number and component storing information required for utilization of card, where card is loaded with preset amount and is not related to postal or bank account of carrier of card Download PDF

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Publication number
BE1016829A3
BE1016829A3 BE2002/0044A BE200200044A BE1016829A3 BE 1016829 A3 BE1016829 A3 BE 1016829A3 BE 2002/0044 A BE2002/0044 A BE 2002/0044A BE 200200044 A BE200200044 A BE 200200044A BE 1016829 A3 BE1016829 A3 BE 1016829A3
Authority
BE
Belgium
Prior art keywords
card
postal
utilization
loaded
carrier
Prior art date
Application number
BE2002/0044A
Other languages
French (fr)
Inventor
Pierre Defise
Original Assignee
Pierre Defise
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 Pierre Defise filed Critical Pierre Defise
Priority to BE2002/0044A priority Critical patent/BE1016829A3/en
Application granted granted Critical
Publication of BE1016829A3 publication Critical patent/BE1016829A3/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
    • G07F7/0866—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
    • 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
    • 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
    • G06Q20/343—Cards including a counter
    • G06Q20/3433—Cards including a counter the counter having monetary units
    • 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
    • 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
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices

Abstract

The card has an electronic component such as a chip or a microchip, for storing information required for utilization of the card, where the card has a unique number. The electronic component is completed by a magnetic track based on the standard of a terminal that exchanges data with the component, where the card is loaded with a predetermined amount in determined currency such as euro, and is not related to a postal or bank account of a carrier of the card.

Description

       

  Carte monnaie

  
La présente invention concerne une carte de paiement électronique qui n'est

  
pas liée au compte bancaire, postal ou autre du porteur de la carte et qui est chargée d'un montant prédéterminé d'une devise déterminée.

  
Cette carte monnaie peut être utilisée partout dans le monde où un terminal permettant l'échange de données avec le composant électronique -puce ou microplaquette, ou tout autre type de mémoire réinscriptible- est possible permettant ainsi, par le débit de la carte même, le paiement de toute marchandise ou service de quelque nature qu'ils soient.

  
La carte monnaie est vendue chargée avec un montant déterminé, en euro ou toute autre devise et conçue en fonction du pays d'utilisation. Le type de composant (puce, ...) est fonction du standard en vigueur dans le pays de résidence de l'acheteur ou du standard propre à un autre pays.

  
Le composant électronique permet de stocker toutes les informations nécessaires à l'émission et à l'utilisation de carte monnaie multi-devises et multistandards.

  
Le composant électronique (puce) peut être remplacé ou complété par une piste magnétique ou une autre technologie (mémoire chimique, ...) en fonction

  
du standard de terminal choisi.

  
L'invention offre les principaux avantages suivants:

  
La carte monnaie offre un nouveau moyen de paiement (complémentaire aux autres) permettant l'accès aux caisses automatiques, terminaux, automates ou autres distributeurs et d'une manière générale en tout lieu ou la Carte monnaie est acceptée.

  
La carte monnaie permet de limiter fortement le besoin de monnaie

  
métallique locale ou étrangère.

  
N'étant pas liée au compte financier du porteur, la carte n'est pas rechargeable par celui-ci, mais peut être utilisée sans que le porteur ne possède un compte bancaire ou autre dans son pays de résidence ou tout autre pays visité.

  
La carte monnaie peut être vendue via les organismes bancaires, de crédit, la poste, les agences de voyage, Internet ou tout autre organisme. La délivrance de la carte ne s'effectue qu'après paiement du montant chargé, des frais de carte et de distribution. Il ne s'agit donc pas d'une forme de crédit.

  
Les cartes étant numérotées individuellement, l'acheteur est donc identifié et une éventuelle opposition en cas de perte ou de vol et le remplacement ou remboursement de celles-ci est possible.

  
Le solde non utilisé d'une carte monnaie peut être, le cas échéant, racheté par l'émetteur de la carte, mais en principe, la carte monnaie sera utilisée jusqu'à épuisement du solde.

  
La carte monnaie peut être achetée et utilisée jusqu'à épuisement de son solde par des personnes mineures ou ne possédant pas de comptes financiers
(bancaires ou autres) Revendications:

  
1. Carte de paiement électronique caractérisée par le fait qu'elle n'est pas liée aux comptes financiers (bancaires ou autres) du porteur de la carte, et le fait qu'elle est chargée d'un montant prédéterminé, en Euro ou toute autre devise.



  Currency card

  
The present invention relates to an electronic payment card which is not

  
not linked to the bank account, postal account or other of the cardholder and which is responsible for a predetermined amount of a given currency.

  
This currency card can be used anywhere in the world where a terminal allowing the exchange of data with the electronic component - chip or chip, or any other type of rewritable memory - is possible thus allowing, by the flow of the card itself, the payment for any merchandise or service of any kind.

  
The coin is sold charged with a fixed amount, in Euro or any other currency and designed according to the country of use. The type of component (chip, ...) depends on the standard in force in the country of residence of the buyer or the standard of another country.

  
The electronic component makes it possible to store all the information necessary for issuing and using multi-currency and multistandard currency cards.

  
The electronic component (chip) can be replaced or supplemented by a magnetic strip or another technology (chemical memory, ...) depending

  
the chosen terminal standard.

  
The invention offers the following main advantages:

  
The currency card offers a new means of payment (complementary to others) allowing access to automatic cash registers, terminals, ATMs or other distributors and in general in any place where the Currency Card is accepted.

  
The currency card greatly limits the need for money

  
local or foreign metal.

  
Not being linked to the holder's financial account, the card is not rechargeable by it, but can be used without the holder has a bank account or other in his country of residence or any other country visited.

  
The currency card can be sold through banking, credit, post office, travel agencies, Internet or any other organization. The card is issued only after payment of the amount charged, card fees and distribution. It is therefore not a form of credit.

  
The cards are numbered individually, the buyer is identified and a possible opposition in case of loss or theft and replacement or refund of them is possible.

  
The unused balance of a currency card may be redeemed by the issuer of the card, but in principle the currency card will be used until the balance is exhausted.

  
The currency card can be purchased and used until its balance is exhausted by minors or without financial accounts
(bank or otherwise) Claims:

  
1. Electronic payment card characterized in that it is not linked to the financial accounts (bank or otherwise) of the cardholder, and the fact that it is charged with a predetermined amount, in Euro or any other currency.

Claims (1)

2. Carte de paiement électronique suivant revendication 1 techniquement compatible avec les terminaux de paiement électronique suivant les 2. Electronic payment card according to claim 1 technically compatible with the electronic payment terminals according to the différents standards en vigueur qui déterminent le type de composant électronique (microplaquette,...), de piste magnétique ou toute autre technologie à mettre en oeuvre pour la fabrication de la carte. different standards in force which determine the type of electronic component (chip, ...), magnetic strip or any other technology to implement for the manufacture of the card.
BE2002/0044A 2002-01-25 2002-01-25 Electronic payment card for e.g. product, has unique number and component storing information required for utilization of card, where card is loaded with preset amount and is not related to postal or bank account of carrier of card BE1016829A3 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
BE2002/0044A BE1016829A3 (en) 2002-01-25 2002-01-25 Electronic payment card for e.g. product, has unique number and component storing information required for utilization of card, where card is loaded with preset amount and is not related to postal or bank account of carrier of card

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
BE2002/0044A BE1016829A3 (en) 2002-01-25 2002-01-25 Electronic payment card for e.g. product, has unique number and component storing information required for utilization of card, where card is loaded with preset amount and is not related to postal or bank account of carrier of card

Publications (1)

Publication Number Publication Date
BE1016829A3 true BE1016829A3 (en) 2007-08-07

Family

ID=37671011

Family Applications (1)

Application Number Title Priority Date Filing Date
BE2002/0044A BE1016829A3 (en) 2002-01-25 2002-01-25 Electronic payment card for e.g. product, has unique number and component storing information required for utilization of card, where card is loaded with preset amount and is not related to postal or bank account of carrier of card

Country Status (1)

Country Link
BE (1) BE1016829A3 (en)

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH08120985A (en) * 1994-10-19 1996-05-14 Hitachi Ltd Electronic locker system
WO1996025828A1 (en) * 1995-02-15 1996-08-22 Nokia Mobile Phones Ltd. A method for using applications in a mobile station, a mobile station, and a system for effecting payments
DE29814177U1 (en) * 1998-08-07 1999-05-12 Riemer Werner Check card for the cashless stamp purchase
JP2000011052A (en) * 1998-06-24 2000-01-14 Misato Syst:Kk Leisure hotel charge adjustment system
JP2001291039A (en) * 2000-04-05 2001-10-19 Nec Corp Electronic wallet settlement system

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH08120985A (en) * 1994-10-19 1996-05-14 Hitachi Ltd Electronic locker system
WO1996025828A1 (en) * 1995-02-15 1996-08-22 Nokia Mobile Phones Ltd. A method for using applications in a mobile station, a mobile station, and a system for effecting payments
JP2000011052A (en) * 1998-06-24 2000-01-14 Misato Syst:Kk Leisure hotel charge adjustment system
DE29814177U1 (en) * 1998-08-07 1999-05-12 Riemer Werner Check card for the cashless stamp purchase
JP2001291039A (en) * 2000-04-05 2001-10-19 Nec Corp Electronic wallet settlement system

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