DK0696021T3 - Method for determining the current amount of money in a data carrier and system for implementing the method - Google Patents

Method for determining the current amount of money in a data carrier and system for implementing the method

Info

Publication number
DK0696021T3
DK0696021T3 DK95111920T DK95111920T DK0696021T3 DK 0696021 T3 DK0696021 T3 DK 0696021T3 DK 95111920 T DK95111920 T DK 95111920T DK 95111920 T DK95111920 T DK 95111920T DK 0696021 T3 DK0696021 T3 DK 0696021T3
Authority
DK
Denmark
Prior art keywords
money
implementing
determining
data carrier
current amount
Prior art date
Application number
DK95111920T
Other languages
Danish (da)
Inventor
Dieter Weiss
Original Assignee
Giesecke & Devrient Gmbh
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 Giesecke & Devrient Gmbh filed Critical Giesecke & Devrient Gmbh
Application granted granted Critical
Publication of DK0696021T3 publication Critical patent/DK0696021T3/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
    • G07F7/0806—Details of the card
    • G07F7/0813—Specific details related to card security
    • G07F7/082—Features insuring the integrity of the data on or in the card
    • 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
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • 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
    • 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
    • G06Q20/403—Solvency checks
    • 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
    • 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

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Devices For Checking Fares Or Tickets At Control Points (AREA)
  • Digital Transmission Methods That Use Modulated Carrier Waves (AREA)
  • Near-Field Transmission Systems (AREA)
  • Inspection Of Paper Currency And Valuable Securities (AREA)

Abstract

The steps involved ae shown in the figure. The set of transaction data is stored with the certificate produced by card`s key. Then a certificate is calculated with the actual credit balance which is compared with the balance a the certificate stored. The transaction data in agreement with this is selected.
DK95111920T 1994-07-29 1995-07-28 Method for determining the current amount of money in a data carrier and system for implementing the method DK0696021T3 (en)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
DE4427039A DE4427039C2 (en) 1994-07-29 1994-07-29 Method for determining the current amount of money in a data carrier and system for carrying out the method

Publications (1)

Publication Number Publication Date
DK0696021T3 true DK0696021T3 (en) 2001-12-31

Family

ID=6524535

Family Applications (1)

Application Number Title Priority Date Filing Date
DK95111920T DK0696021T3 (en) 1994-07-29 1995-07-28 Method for determining the current amount of money in a data carrier and system for implementing the method

Country Status (6)

Country Link
EP (1) EP0696021B1 (en)
AT (1) ATE208938T1 (en)
DE (2) DE4427039C2 (en)
DK (1) DK0696021T3 (en)
ES (1) ES2166386T3 (en)
PT (1) PT696021E (en)

Families Citing this family (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH09269965A (en) * 1996-03-29 1997-10-14 Hitachi Ltd Electronic settling method and its device using fund information with identifier
EP0851396A1 (en) * 1996-12-23 1998-07-01 Koninklijke KPN N.V. System for increasing a value of an electronic payment card
FR2762118B1 (en) * 1997-04-11 1999-07-16 Gemplus Card Int SECURE PROCEDURE FOR CONTROLLING TRANSFER OF VALUE UNITS IN A CHIP CARD GAME SYSTEM
EP0917119A3 (en) * 1997-11-12 2001-01-10 Citicorp Development Center, Inc. Distributed network based electronic wallet
US8538801B2 (en) 1999-02-19 2013-09-17 Exxonmobile Research & Engineering Company System and method for processing financial transactions
CN1722166A (en) 1999-08-12 2006-01-18 松下电器产业株式会社 Electronic information backup system
AU3844900A (en) * 1999-09-22 2001-04-24 Ba Cards And Security B.V. (Bacs) Method and system for performing a transaction between a client and a server over a network
FR2827448B1 (en) * 2001-07-12 2003-12-19 Gemplus Card Int METHOD FOR PROVIDING A PAYMENT GUARANTEE FOR ELECTRONIC COMMERCE ESPECIALLY BY MOBILE TELEPHONE AND IMPLEMENTATION SYSTEM

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
IL75702A0 (en) * 1984-07-27 1985-11-29 Technion Res & Dev Foundation Apparatus for effecting and recording monetary transactions
JPH02100195A (en) * 1988-10-06 1990-04-12 Fuji Electric Co Ltd Card type automatic vending machine system
JP3184196B2 (en) * 1989-09-06 2001-07-09 株式会社富士通総研 Electronic wallet system
US5453601A (en) * 1991-11-15 1995-09-26 Citibank, N.A. Electronic-monetary system
US5396558A (en) * 1992-09-18 1995-03-07 Nippon Telegraph And Telephone Corporation Method and apparatus for settlement of accounts by IC cards

Also Published As

Publication number Publication date
ES2166386T3 (en) 2002-04-16
DE4427039A1 (en) 1996-02-01
DE4427039C2 (en) 2003-06-12
ATE208938T1 (en) 2001-11-15
DE59509826D1 (en) 2001-12-20
EP0696021B1 (en) 2001-11-14
EP0696021A3 (en) 1999-09-15
PT696021E (en) 2002-11-29
EP0696021A2 (en) 1996-02-07

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