CN100580720C - Method for managing electronic transaction by samart card, terminal and smart card implementing same - Google Patents
Method for managing electronic transaction by samart card, terminal and smart card implementing same Download PDFInfo
- Publication number
- CN100580720C CN100580720C CN99811776A CN99811776A CN100580720C CN 100580720 C CN100580720 C CN 100580720C CN 99811776 A CN99811776 A CN 99811776A CN 99811776 A CN99811776 A CN 99811776A CN 100580720 C CN100580720 C CN 100580720C
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- Prior art keywords
- value
- counter
- card
- dealing money
- transaction
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- Expired - Lifetime
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- 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
- G06Q20/30—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
- G06Q20/40—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
- G06Q20/4093—Monitoring of device authentication
-
- 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
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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)
- Computer Networks & Wireless Communication (AREA)
- Finance (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
- Credit Cards Or The Like (AREA)
Abstract
The invention concerns a method for managing an electronic transaction using a client card with microprocessor chip and a reading terminal capable of interacting with said card, whereby the reading terminal transmits to said card a signal indicating thereto the amount of the transaction and whereby the card compares said amount to a threshold value of amount for transaction and commands a procedure for authenticating the bearer when said amount is greater than said threshold. The invention is characterised in that, when said amount is less than said threshold, said smart card compares to a threshold value a counter value, called summation of small amounts, which it increments by the value of the amount of the transaction and a procedure for authenticating the bearer is commanded by said card based on the result of said comparison.
Description
Technical field
The present invention relates to the electronic transaction undertaken by chip card.
A terminal and a chip card that it proposes management a kind of method of this electronic transaction and carries out this method.
Background technology
Usually, during with chip card transaction, chip card is inserted the program that reading terminals management wherein is used to differentiate this card and holder's thereof program and is used to confirm conclude the business.
Especially, the holder of the terminal regular request card of reading terminals shows his/her authentication code to it.When if dealing money is crossed a certain threshold value, the outside authentication center of reading terminals decision inquiry.
Yet, wish from now on to carry out electronic transaction soon, it can very short time-for example be less than take place in the 100ms-and for this reason holder's discriminating can not realize.
Nowadays, can carry out electronic transaction fast by so-called " stored value card " system.
Stored value card is a device that comprises storer, wherein stores a value corresponding to amount of currency, and this amount of currency is reduced when concluding the business by described wallet.
EP829 830 discloses stored value card, wherein when the amount of money of the transaction of having carried out or the total dealing money that carried out during greater than given threshold value, carries out holder's evaluator.
Yet stored value card also has shortcoming.Especially, they can't guarantee and the capable card of the money same safety of concluding the business.Especially, with stored value card by chance the latter write down a debit, although do not consider transaction at the reading terminals place.
Summary of the invention
The method that the purpose of this invention is to provide a kind of managing electronic transaction can be concluded the business it as stored value card is quick, and can with the same safety of transaction of being carried out with now known bank card business dealing agreement.
According to the solution of the present invention comprise by means of the bank card of microprocessor chip type and can with a kind of method of the reading terminals managing electronic transaction of described card dialogue, wherein this reading terminals sends its dealing money of signal indicating to described card, and wherein said card is carried out first comparison step of this dealing money and a first threshold, and when surpassing described first threshold, this dealing money starts holder's evaluator, it is characterized in that: when this dealing money is lower than described first threshold, described chip card carry out one second threshold value and one first counter increase second comparison step of value, described first counter is the counter that so-called small amount adds up to, and is lower than at described dealing money under the situation of described first threshold and is increased the dealing money value continuously; And the program that is the holder of authenticating card is started by described card according to this second comparative result.
Therefore, the holder of card has benefited from service with his bank card, is similar to stored value card with regard to his related service, but safer, because it uses existing foundation structure about bank card.
Therefore, from then on eliminate traditional function of supplementing with money again, in the utilization of card, provide bigger convenience thus.
Following various characteristics by independent employing or according to technical they presumable all make up this method of replenishing valuably:
-when the number of deals value was lower than first threshold, first counter is the described value that has increased of storage automatically;
-automatic described the value that has increased of storage of described first counter before described second comparison step, described second step is the storing value and described second threshold value of more described first counter;
-described the value that has increased of described first counter storage after described second comparison step;
Evaluator of differentiating the holder of-startup, wherein holder's identification code is verified, and when holder's identification code is verified, card is carried out the 3rd comparison step between the value that has been increased in one second higher limit and one second counter, the value that wherein has been increased corresponding to the preceding value of second counter be increased being increased of first counter value, and card starts the inquiry of reading terminals to authentication center according to the 3rd comparative result;
-two counters of card replacement are zero when described central authority;
-according to comparative result, if card decision does not go for when asking reading terminals inquiry authentication center, the value that this second counter storage has increased, it is zero that this first counter is reset;
-the increase carried out by chip card is just to increase;
-the increase carried out by chip card is negative increasing.
The present invention also relates to be used to carry out the microprocessor chip card of electronic transaction, it is characterized in that it comprises the device of carrying out said method.
Valuably, this chip card comprises the memory storage and the comparison means of one or more threshold values of storage and/or Counter Value.
The present invention also relates to be used to carry out electronic transaction, read a terminal of microprocessor chip card, it is characterized in that it comprises the device of carrying out said method.
Description of drawings
The present invention other characteristic and the explanation of advantage several embodiments below the present invention will become clearer.This explanation only is illustrative and nonrestrictive.Therefore must read in conjunction with the accompanying drawings, wherein:
Fig. 1 illustrates a kind of process flow diagram of possible embodiment according to the proposed method;
Fig. 2 illustrates the process flow diagram of the embodiment that another kind is possible.
Embodiment
During sticking into capable electronic transaction, carry out the several steps of the management method that in Fig. 1 and 2, illustrates by bank's cake core.
This chip card comprises the microprocessor that is programmed corresponding to the such mode of the agreement of this several steps to carry out, and ROM, the EPROM, EEPROM or the RAM storer that wherein are stored in various calculating during this several steps (dealing money, Counter Value, the upper limit etc.) or consideration value.
This reading terminals is programmed to carry out said method, chip card and described terminal comprise the device that they are talked with mutually, these devices may be any kind (use by the bus of the connection track that chip card carried, via the interchanger of radio frequency transmission/reception, or the like).
In Fig. 1, the step performed by chip card is described in the frame represented by C, and those steps performed by reading terminals are described in the frame represented by L.
Transaction is along with the initialization of the chip card that is started by reading terminals begins (step 1).
Subsequently, this card sends its identification code (step 2) to reading terminals.
Then, reading terminals requires the operator to import dealing money M (step 3).Send this dealing money M to card.
The latter carries out a test 4 to this amount of money M value.
If this amount of money M is lower than first threshold VP1, this card increases this amount of money M value (step 5) with counter COMPT.
This card compares this counter COMPT value and one the second threshold value VP2 that is different from first threshold VP1 then.
If counter COMPT value is lower than the second threshold value VP2, the microprocessor of card calculates the signature ST of transaction and sends (step 7) and with thin file (step 8 and 9) of the dealing money and the latter's name to its reading terminals of check.
On the contrary, if, blocking the request reading terminals greater than the second threshold value VP2, the value of counter COMPT shows holder's sign indicating number (step 10).
The holder imports its sign indicating number (step 11).
Send this sign indicating number (step 12) by reading terminals to its card of check.
After the check, trading signature ST (step 7) is handled and calculated to the microprocessor recovery of card.Between checking procedure 12 and calculation procedure 7, counter COMPT is re-set as zero.Therefore, after each password was checked fully, counter COMPT was re-set as zero (step 20).
At amount of money M during greater than first threshold VP1 (corresponding to test 4 "Yes"), also by this card request holder sign indicating number.
In this case, holder's sign indicating number is verified and amount of money M is not added up on counter COMPT.
The conventional steps of bank card business dealing is moved.
At random or as a kind of modification, can get ready for card connects reading terminals with request to financial sector and differentiates so that obtain transaction thus.
Differentiate that by transaction reading terminals can send the first threshold VP1 of change again and the instruction of the second threshold value VP2 to card according to the information that is provided by financial sector.
As understanding, just in the described different embodiments of reference Fig. 1, Payment Card is adding up to the dealing money that is lower than a certain threshold value and only when amount of money M is higher than this threshold value or in the Amount in Total of transaction early request holder's during greater than given threshold value discriminating on the internal counter COMPT.
As a modification, only the value of hypothesis counter COMPT of check in step 6 on the second threshold value VP2 and the input of sign indicating number when being identified as correct sign indicating number by card with counter COMPT zero setting again.
According to this hypothesis, if at the amount of money M of step 4 intermediate survey on first threshold VP1, counter COMPT can be by zero setting again.
If as long as be lower than first threshold VP1 and the counter COMPT of check in step 6 is higher than the second threshold value VP2 and check code when correct, its just quilt zero setting again as amount of money M.
Therefore, the summation of having only the on the one hand little amount of money reaches the second threshold value VP2 and when the holder is differentiated by his sign indicating number on the other hand, the zero setting again of counter COMPT ability quilt.
As another modification, the payment that this card can be used to increase progressively is for example in the occasion by the telephone booth communication.
In this case, the circulation that increases progressively is added between step 7 and 3, and signs when communication finishes according to the summation (∑ M) that increases, and when identification step 2 was finished, ∑ M is quilt zero setting again in card.
Therefore, when communication finishes, only keep a signal transmission instruction ST who comprises the collection cost summation; According to the duration of communication and when expense is imposed, user-pay.
The embodiment of another variation is illustrated in Fig. 2.
This second modification is to manage the second counter CPT2 in the card of the total that increase by the first smallest number counter CPT1 is finished.If the value of counter CPT2 reach bank's defined and in card in advance during one second higher limit VP2 of record, card will require to check the checking of being calculated by authentication center.
This program is as follows:
Card adds dealing money M for the value of reading from CPT1.
If (test 13) summation CPT1+M reaches a higher limit VP1, card request is checked holder's password ( step 10,11 and 12).
If password is correct, card adds the value of CPT1+M to the value of reading from CPT2.
The new value that obtains compare with a threshold value VP2 (testing 14).
If summation CPT1+M+CPT2 reaches higher limit VP2, card request (the step 15) inspection by the terminal of reading terminals L inquire by checking (step 16) that authentication center calculated.
If checking is correct, card is with counter CPT1 and CPT2 zero setting (step 17) again and calculate and send the signature (step 7 and later or the like) of transaction subsequently.
If password bad, card can not submitted the signature of transaction to and not change the value of counter CPT1 and CPT2.
If summation CPT1+M+CPT2 does not reach higher limit VP2, card resets to zero and by replace the value refresh counter CPT2 (step 18) before it with CPT2+CPT1+M with counter CPT1.Then it calculates and transmits the signature (step 7,8 and 9) of transaction.
If password bad, card C can not send the signature of transaction and make and not change counter CPT1 and CPT2.
If summation CPT1+M does not reach higher limit VP1, cartoon is crossed with summation CPT1+M and is replaced its value refresh counter CPT1 (step 19) in the past, and submits the signature (step 7,8 and 9) of transaction subsequently to.
The card of just having described can be used to borrow back (postdebit) pattern.According to holder's account number, add up to such as the amount of money of debit that is no more than 30 days at the most, and exceeding behind the second threshold value VP2 or when the last debit with the account began to finish 30 days total number value, holder's account was by debit.Can add up to this amount of money:
-on transaction terminal, collect after the transaction of storage, can collect this amount of money of total on the server.In this case, the second threshold value VP2's exceeds in card the discriminating request that causes the amount of money that is equivalent to the new second threshold value VP2 that can be stipulated again by bank via terminal.
-can the card self in Amount in Total.In this case, exceeding in card of the second threshold value VP2 causes resetting of total and differentiates request via terminal.In this case, be necessary to make client's payment deposit when obtaining its card, with prevent " malice " usurp or block lose (avoiding the debit aggregate value thus).Can hide this deposit, be included in other words in the annual fee of card.
This card also can be used to borrow premode.In this case, the second threshold value VP2 and the value VP2 that is used for Fig. 2 modification are prepay by the holder and are updated by means of the checking that receives at card, and the amount of money that the user prepays is depended in this checking.
If user oneself finds not have the identification keyboard or be not connected to communication network on a terminal, and when reaching the second threshold values VP2, the higher limit VP1 that prepay, he must be the device (ATM (Automatic Teller Machine)-voucher automatic vending machine or public telephone) of bank, so that check the checking of being sent by authentication center.Transaction is virtual in this case, except borrowing preceding application, do not have the amount of money from clients' accounts by debit.
As another modification, card needn't utilize holder's authentication code.
In this case, do not carry out the comparison of number of transaction and first threshold VP1 and do not use first threshold VP1.Value COMPT in being stored in card is during more than or equal to the second threshold value VP2, and card can not submitted trading signature ST to.
The feasible acceptance of deviate of stipulating the second threshold value VP2 is slightly larger than the COMPT value of the second threshold value VP2 and allows above the COMPT that makes the second useless threshold value VP2 value of card.
This card is discardable, and card is die on when reaching the second threshold value VP2.Yet especially hypothesis card is restorable, and the holder may return bank with card, being introduced into before the new use circulation, is set to zero by means of security procedure COMPT value again.
Otherwise this card can being used by bank's recovery at sequence of threads by a safety.In this program, for example differentiate the holder, and after through the checking of being calculated by card check bank, COMPT is by zero setting again by means of one second Payment Card or by the sign indicating number that bank server is checked.
In the above example, counter CPT1 and CPT2 are added to higher limit from 0.It also may be counted downwards, and counter is predisposed to first threshold VP1 and the second threshold value VP2 reduces to 0 value then downwards, and counting also can carry out on negative value etc.
As understanding, with the management method that the present invention proposes, Amount in Total is not to compare with the amount of money of supplementing with money in advance in the card, but compares with the determined maximal value of emitting according to publisher's preparation of card of risk.This means that relatively the restriction client spends the long time, and this is except differentiating, another function of card.The maximal value of having selected can be considered to give solvent client's a kind of long-term credit, and bank is such as obtaining remuneration by means of the commission in transaction.
The trust of penny ante:
-a small amount of transaction is as the transaction of the normal amount of money or by being subjected to card device (trader) to use the foundation structure of bank to carry out separately.In card, have only client's total function to limit client's consumption (speed reduction unit effect) at that time;
-or, suppose that client's total also submits to (by being stuck in the process of exchange) to open invoice with bank with being subjected to card device to add up to scheme.This scheme can not make inspection the same with first significantly.
The management of depositing in card can be as follows:
-transaction effectively must be confirmed by card.The signature ST1 that prints on client's receipt is with solving any dispute.
The data storage of-transaction was collected once in the presenting a paper of terminal and by the bank that the is subjected to card device center of collecting in one day.Penny ante is sent to holder's bank and can be by latter's individual processing: store them so that system checks, resolve a dispute and with the transaction bank clearing.
-be subjected to the card device bank account to add up to come credit according to the small amount amount of money of collecting in terminal every day.
-dealing money is added up in the credit counter of card, the value and the credit of this card verification credit counter.
Provide at following form by the example that blocks the transaction of handling:
Table I
The credit counter of card has reached the determined higher limit by bank.Management table data in card.Transaction data, dealing money are provided to card by terminal.
| Transaction Identification Number | Dealing money | Credit counter | Trade date | By the definite upper limit of bank | The maximum duration of |
| 1 2 3 4 5 | 10 20 40 20 30 | 10 30 70 90 120 0 | 02/08/1999 03/08/1999 05/08/1999 05/08/1999 07/08/1999 | 100 100 100 100 100 | 1 month |
Table II
Reach the maximum duration of card credit.
| Transaction Identification Number | Dealing money | Credit counter | Trade date | By the definite upper limit of bank | The maximum duration of |
| 1 2 3 4 5 | 10 20 15 20 0 | 10 30 45 65 70 0 | 02/08/1999 10/08/1999 15/08/1999 25/08/1999 03/09/1999 | 100 100 100 100 100 | 1 month |
The method of commerce that the present invention proposes has many advantages:
-safety is the advantage of bank card, because debit is subject to the holder, is subjected to the afterwards verification of card device and bank;
-can be done with contactless card with the payment of debit/credit card, in addition, end contactless interchanger because no longer including any customary password input, transaction can be cancelled easily;
-do not revise bankcard network and server increases pay phone dealing money more than month by bank card the ability of reusing is arranged;
-no longer may cheat the terminal relevant with the response of holder's code, because only have the correctly ability continuous business of holder's code.
Claims (7)
- One kind by means of the bank card of microprocessor chip type and can with the method for the reading terminals managing electronic transaction of described card dialogue, wherein this reading terminals sends its dealing money of signal indicating to described card, and wherein said card is carried out first comparison step of this dealing money and a first threshold, and when surpassing described first threshold, this dealing money starts holder's evaluator, it is characterized in that: when this dealing money is lower than described first threshold, described chip card carry out one second threshold value and one first counter increase second comparison step of value, described first counter is the counter that so-called small amount adds up to, and being lower than at dealing money under the situation of described first threshold is increased described dealing money value continuously, and the described value that has increased is increased the dealing money value corresponding to the preceding value of described first counter; And the program that is the holder of authenticating card is started by described card according to this second comparative result.
- 2. the method for claim 1 is characterized in that when the dealing money value is lower than first threshold, and first counter is the described value that has increased of storage automatically.
- 3. method according to claim 2 is characterized in that before the described second comparison step described first counter described value that has increased of storage automatically, and described second step is the storing value and described second threshold value of more described first counter.
- 4. method according to claim 1 is characterized in that the described value that has increased of after described second comparison step described first counter storage.
- 5. the method for claim 1 is characterized in that being one by the increase that chip card is carried out just increases.
- 6. the method for claim 1 is characterized in that by the increase that chip card is carried out be negative increasing.
- One kind by means of the bank card of microprocessor chip type and can with the method for the reading terminals managing electronic transaction of described card dialogue, wherein this reading terminals sends its dealing money of signal indicating to described card, said method comprising the steps of:Value and dealing money addition with first counter;If the value of first counter and dealing money sum reach first higher limit, check holder's password;If password is correct, with the value of first counter, the value and the dealing money addition of second counter;The value of first counter, value, dealing money sum and second higher limit of second counter are compared;If the value of the value of first counter, second counter and dealing money sum reach second higher limit, then check to inquire by reading terminals by checking that authentication center calculated;If checking is correct,, and calculate and send the signature of transaction subsequently with the value zero setting again of first counter and second counter;If verify incorrectly, do not send the signature of transaction and do not change the value of counter first counter and second counter;If the value of the value of first counter, second counter and dealing money sum do not reach second higher limit, the value of first counter is reset to zero and the value of second counter is updated to the value of first counter, the value and the dealing money sum of second counter, calculate and transmit the signature of transaction;If password bad, the signature that does not send transaction does not change the value of first counter and second counter;If the value of first counter and dealing money sum do not reach first higher limit, upgrade first counter with the value and the dealing money sum of first counter, and send the signature of transaction subsequently.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| FR9811706A FR2783623B1 (en) | 1998-09-18 | 1998-09-18 | METHOD FOR MANAGING AN ELECTRONIC TRANSACTION BY CHIP CARD, TERMINAL AND CHIP CARD IMPLEMENTING THIS METHOD |
| FR98/11706 | 1998-09-18 |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN1322336A CN1322336A (en) | 2001-11-14 |
| CN100580720C true CN100580720C (en) | 2010-01-13 |
Family
ID=9530612
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN99811776A Expired - Lifetime CN100580720C (en) | 1998-09-18 | 1999-09-17 | Method for managing electronic transaction by samart card, terminal and smart card implementing same |
Country Status (6)
| Country | Link |
|---|---|
| EP (1) | EP1114403A1 (en) |
| JP (2) | JP4411781B2 (en) |
| CN (1) | CN100580720C (en) |
| FR (1) | FR2783623B1 (en) |
| HK (1) | HK1039673A1 (en) |
| WO (1) | WO2000017827A1 (en) |
Families Citing this family (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2001043274A (en) * | 1999-08-03 | 2001-02-16 | Fujitsu Ltd | Account settlement system and card |
| JP2010507151A (en) * | 2006-10-11 | 2010-03-04 | ビザ・インターナショナル・サービス・アソシエーション | Method and system for processing micropayment transactions |
| US10068220B2 (en) | 2006-10-11 | 2018-09-04 | Visa International Service Association | Systems and methods for brokered authentication express seller links |
| FR2986889B1 (en) * | 2012-02-09 | 2014-10-17 | Thales Sa | PAYMENT SYSTEM, PAYMENT TERMINAL OF THE SYSTEM, AND PAYMENT METHOD THEREOF |
| US9292858B2 (en) | 2012-02-27 | 2016-03-22 | The Nielsen Company (Us), Llc | Data collection system for aggregating biologically based measures in asynchronous geographically distributed public environments |
| US9451303B2 (en) | 2012-02-27 | 2016-09-20 | The Nielsen Company (Us), Llc | Method and system for gathering and computing an audience's neurologically-based reactions in a distributed framework involving remote storage and computing |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| FR2589268B1 (en) * | 1985-10-28 | 1991-04-19 | Toshiba Kk | PORTABLE ELECTRONIC DEVICE IN THE FORM OF A CARD |
| EP0440549B1 (en) * | 1990-01-30 | 1997-09-17 | Gemplus Card International | Apparatus and method for managing IC-card transactions |
| EP0829830A2 (en) * | 1996-08-14 | 1998-03-18 | Kabushiki Kaisha Toshiba | Card medium for determining necessity of preforming identification, system therefor and method of processing said card |
| US5793027A (en) * | 1994-12-19 | 1998-08-11 | Samsung Electronics Co., Ltd. | IC card for credit transactions and credit transaction apparatus and method using the same |
Family Cites Families (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| EP0203542A3 (en) * | 1985-05-31 | 1987-08-26 | Siemens Aktiengesellschaft Berlin Und Munchen | Method and apparatus for verifying ic cards |
| EP0232058B1 (en) * | 1986-01-21 | 1994-03-16 | Fujitsu Limited | Automatic transaction machine |
| JPH09128601A (en) * | 1995-10-31 | 1997-05-16 | Universal Denshi Keisan Kk | Postpaid card system |
| JPH1027196A (en) * | 1996-07-09 | 1998-01-27 | Hitachi Ltd | Electronic transaction settlement system |
| JPH1063722A (en) * | 1996-08-14 | 1998-03-06 | Toshiba Corp | Card transaction system and its method |
| JP3667519B2 (en) * | 1998-02-04 | 2005-07-06 | 日本信販株式会社 | Credit card issuing system |
-
1998
- 1998-09-18 FR FR9811706A patent/FR2783623B1/en not_active Expired - Fee Related
-
1999
- 1999-09-17 JP JP2000571412A patent/JP4411781B2/en not_active Expired - Lifetime
- 1999-09-17 EP EP99942993A patent/EP1114403A1/en not_active Ceased
- 1999-09-17 CN CN99811776A patent/CN100580720C/en not_active Expired - Lifetime
- 1999-09-17 WO PCT/FR1999/002214 patent/WO2000017827A1/en active Application Filing
-
2002
- 2002-01-11 HK HK02100228.2A patent/HK1039673A1/en unknown
-
2009
- 2009-05-07 JP JP2009112692A patent/JP2009245442A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| FR2589268B1 (en) * | 1985-10-28 | 1991-04-19 | Toshiba Kk | PORTABLE ELECTRONIC DEVICE IN THE FORM OF A CARD |
| EP0440549B1 (en) * | 1990-01-30 | 1997-09-17 | Gemplus Card International | Apparatus and method for managing IC-card transactions |
| US5793027A (en) * | 1994-12-19 | 1998-08-11 | Samsung Electronics Co., Ltd. | IC card for credit transactions and credit transaction apparatus and method using the same |
| EP0829830A2 (en) * | 1996-08-14 | 1998-03-18 | Kabushiki Kaisha Toshiba | Card medium for determining necessity of preforming identification, system therefor and method of processing said card |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2000017827A1 (en) | 2000-03-30 |
| FR2783623A1 (en) | 2000-03-24 |
| CN1322336A (en) | 2001-11-14 |
| FR2783623B1 (en) | 2003-05-09 |
| EP1114403A1 (en) | 2001-07-11 |
| JP4411781B2 (en) | 2010-02-10 |
| HK1039673A1 (en) | 2002-05-03 |
| JP2009245442A (en) | 2009-10-22 |
| JP2002525766A (en) | 2002-08-13 |
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