DE4309942A1 - Debit-card system - Google Patents
Debit-card systemInfo
- Publication number
- DE4309942A1 DE4309942A1 DE19934309942 DE4309942A DE4309942A1 DE 4309942 A1 DE4309942 A1 DE 4309942A1 DE 19934309942 DE19934309942 DE 19934309942 DE 4309942 A DE4309942 A DE 4309942A DE 4309942 A1 DE4309942 A1 DE 4309942A1
- Authority
- DE
- Germany
- Prior art keywords
- debit
- machines
- card
- cards
- money
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Ceased
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
- G07F7/02—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
-
- 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
-
- 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
- G06Q20/3437—Cards including a counter the counter having non-monetary units, e.g. trips
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
Die Erfindung betrifft ein Abbuchungskartensystem entsprechend dem Oberbegriff des Anspruchs 1.The invention relates to a debit card system according to the preamble of claim 1.
Bekannte Systeme dieser Art sind z. B. auf dem Gebiete der Fernmeldetechnik bekannt. Die dabei verwendeten Telefonkarten können an Automaten z. B. durch Münzeinwurf auf einen bestimmten Betrag aufgeladen werden. Die Fernsprechgeräte sind gleichzeitig als Abbuchungstomaten ausgebildet, die entsprechend den Fernsprechgebühren von den Telefonkarten abbuchen.Known systems of this type are e.g. B. in the field the telecommunications technology known. The used here Phonecards can be found on machines e.g. B. by inserting a coin be charged to a certain amount. The Telephone sets are also used as direct debit tomatoes trained according to the telephone charges of debit the phone cards.
Im Waren- und Dienstleistungsverkehr gegen Entgeld wie z. B. im Fernsprechverkehr unter Verwendung derartiger Telefonkarten ist stets die Verfügbarkeit kleiner Münz- Geldbeträge zum Laden erforderlich, d. h., daß sowohl Kleingeld in erheblichen Mengen mitgeführt werden muß, in Form von Wechselgeld verfügbar sein muß und zahlreiche Buchungsvorgänge kleiner Geldbeträge durchgeführt werden müssen.In goods and services for a fee like e.g. B. in telephony using such Telephone cards are always the availability of small coin Amounts of money required to load, d. that is, both Small change must be carried in significant quantities, must be available in the form of change and numerous booking processes of small amounts of money must be carried out.
Der Erfindung liegt die Aufgabe zugrunde, ein bargeldfreies Abbuchungskartensystem zu schaffen, bei dem es nicht mehr erforderlich ist, über kleine Geldbeträge, insbesondere Münzbeträge verfügen zu müssen.The invention is based on the object to create a cash free debit card system at which is no longer required, via small ones Amounts of money, especially coin amounts, are available have to.
Gelöst wird diese Aufgabe gemäß der Erfindung durch die im kennzeichnenden Teil des Anspruchs 1 angegebenen Merkmale. Zweckmäßige Ausgestaltungen der Erfindung ergeben sich aus den Unteransprüchen.This object is achieved according to the invention by specified in the characterizing part of claim 1 Characteristics. Useful embodiments of the invention result from the subclaims.
Die vorgeschlagenen Abbuchungskundenkarten können, da sie mit üblichen Scheckkartenautomaten kompatibel sind, an Scheckkartenautomaten durch Eingabe einer Identifizierungszahl, d. h., der üblichen Geheimzahl vom entsprechenden Konto des Karteninhabers geladen werden. Da die Karten, die zweckmäßigerweise nur auf einen relativ niedrigen Betrag aufladbar sind, übertragbar sind, eignen sie sich nicht nur für den üblichen bargeldfreien Waren- und Dienstleistungsverkehr, sondern speziell auch für die Verwendung durch bestimmte Personengruppen, wie z. B. Kindern. Unter Scheckkartenautomaten sind auch solche Geräte zu verstehen, in denen die erforderliche Abtastung von Daten auf den Karten durchgeführt und die Übertragung dieser Daten und der erforderlichen Identi fizierungsdaten über Fernsprech- und Datenleitungen bzw. -kanäle zu einem Bankunternehmen erfolgt.The proposed debit customer cards can, because they are compatible with standard credit card machines, at credit card machines by entering a Identification number, d. that is, the usual PIN from corresponding account of the cardholder. Because the cards that are expedient only on one are relatively chargeable, transferable are not only suitable for the usual non-cash goods and services, but especially for use by certain Groups of people, such as B. children. Under Credit card machines are also such devices too understand in which the required sampling of Data carried out on the cards and the transfer this data and the required identi Identification data via telephone and data lines or -channels to a banking company.
Beim Warenkauf können z. B. "runde" Geldbeträge durch Geldscheine bezahlt werden, während kleinere Beträge mittels der Kundenkarte entrichtet werden können. Diese Beträge können dann der in den Abbuchungsautomaten eingeschobenen Buchungsgutschrift-Empfängerkarte gutge schrieben werden. Diese Empfängerkarten sind ähnlich den üblichen, nicht übertragbaren Scheckkarten ausgebildet, so daß sie nur von autorisierten Personen verwendet werden können, um z. B. nach Geschäftsschluß den auf der Empfängerkarte aufgelaufenen Geldbetrag an einem Scheck karten-Automaten einem bestimmten Konto gutzuschreiben oder sich in bar auszahlen zu lassen.When purchasing goods such. B. "round" amounts of money Banknotes are paid while smaller amounts can be paid using the customer card. This Amounts can then be in the automatic debit machines inserted booking credit recipient card be written. These receiver cards are similar to those usual, non-transferable check cards, so that it is used only by authorized persons can be to z. B. after business hours on the Recipient card accrued amount of money on a check credit card machines to a specific account or to be paid out in cash.
Die Abbuchungsautomaten können z. B. üblichen Registrierkassen zugeordnet oder in diese integriert sein; es ist aber auch möglich, die Abbuchungsautomaten als portable, unabhängig arbeitende Geräte auszubilden, die den bargeldlosen Waren- und Dienstleistungsverkehr ermöglichen.The automatic debit machines can e.g. B. usual Cash registers assigned or integrated into this be; but it is also possible to use the automatic debit machines to be trained as portable, independently working devices, the cashless movement of goods and services enable.
Claims (3)
- a) die Kundenkarten mit Scheckkartenautomaten kompatibel sind und durch Eingabe einer Identifizierungszahl vom zugehörigen Konto wieder aufladbar ist,
- b) jedem Abbuchungsautomaten wenigstens eine Buchungsgutschrift-Empfängerkarte zugeordnet ist, auf der mittels der Kundenkarten Geldbeträge gutschrieben werden können,
- c) die Empfängerkarten mit den Scheckkartenautomaten kompatibel sind und die darauf gutgeschriebenen Geldbeträge durch Eingabe einer Identifizierungszahl einem bestimmten Konto gutgeschrieben oder in bar ausgezahlt werden können.
- a) the customer cards are compatible with credit card machines and can be recharged from the associated account by entering an identification number,
- b) at least one booking credit recipient card is assigned to each debiting machine, on which amounts of money can be credited by means of the customer cards,
- c) the recipient cards are compatible with the credit card machines and the amounts of money credited thereon can be credited to a specific account by entering an identification number or paid out in cash.
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
DE19934309942 DE4309942A1 (en) | 1993-03-26 | 1993-03-26 | Debit-card system |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
DE19934309942 DE4309942A1 (en) | 1993-03-26 | 1993-03-26 | Debit-card system |
Publications (1)
Publication Number | Publication Date |
---|---|
DE4309942A1 true DE4309942A1 (en) | 1994-09-29 |
Family
ID=6483983
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
DE19934309942 Ceased DE4309942A1 (en) | 1993-03-26 | 1993-03-26 | Debit-card system |
Country Status (1)
Country | Link |
---|---|
DE (1) | DE4309942A1 (en) |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2000067216A1 (en) * | 1999-05-03 | 2000-11-09 | The Chase Manhattan Bank | A banking card associated with a cash account |
Citations (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
DE2512902A1 (en) * | 1974-03-25 | 1975-10-02 | Innovation Ste Int | SYSTEM FOR TRANSFERRING DATA WITH THE HELP OF AN INDEPENDENT PORTABLE OBJECT AND AN AUTONOMOUS REGISTRATION DEVICE |
DE4119924A1 (en) * | 1991-06-17 | 1992-12-24 | Siemens Ag | Protecting credit balance stored in chip=card - using certificate generated by particular party to validate balance transferred from chip=card to debit-card point |
-
1993
- 1993-03-26 DE DE19934309942 patent/DE4309942A1/en not_active Ceased
Patent Citations (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
DE2512902A1 (en) * | 1974-03-25 | 1975-10-02 | Innovation Ste Int | SYSTEM FOR TRANSFERRING DATA WITH THE HELP OF AN INDEPENDENT PORTABLE OBJECT AND AN AUTONOMOUS REGISTRATION DEVICE |
DE4119924A1 (en) * | 1991-06-17 | 1992-12-24 | Siemens Ag | Protecting credit balance stored in chip=card - using certificate generated by particular party to validate balance transferred from chip=card to debit-card point |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2000067216A1 (en) * | 1999-05-03 | 2000-11-09 | The Chase Manhattan Bank | A banking card associated with a cash account |
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Legal Events
Date | Code | Title | Description |
---|---|---|---|
OP8 | Request for examination as to paragraph 44 patent law | ||
8131 | Rejection |