EP0420466B1 - Kreditversorgungssystem - Google Patents

Kreditversorgungssystem Download PDF

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Publication number
EP0420466B1
EP0420466B1 EP90310141A EP90310141A EP0420466B1 EP 0420466 B1 EP0420466 B1 EP 0420466B1 EP 90310141 A EP90310141 A EP 90310141A EP 90310141 A EP90310141 A EP 90310141A EP 0420466 B1 EP0420466 B1 EP 0420466B1
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EP
European Patent Office
Prior art keywords
code
consumer
entered
services
funds
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.)
Expired - Lifetime
Application number
EP90310141A
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English (en)
French (fr)
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EP0420466B2 (de
EP0420466A1 (de
Inventor
Jonathan Sinclair Youngleson
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
METER PATENT DEVELOPMENT (PROPRIETARY) LIMITED
Original Assignee
METER PATENT DEVELOPMENT Pty Ltd
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Application filed by METER PATENT DEVELOPMENT Pty Ltd filed Critical METER PATENT DEVELOPMENT Pty Ltd
Publication of EP0420466A1 publication Critical patent/EP0420466A1/de
Publication of EP0420466B1 publication Critical patent/EP0420466B1/de
Application granted granted Critical
Publication of EP0420466B2 publication Critical patent/EP0420466B2/de
Anticipated expiration legal-status Critical
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    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/0014—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for vending, access and use of specific services not covered anywhere else in G07F17/00

Definitions

  • This invention relates to a credit supply system. More particularly, the invention relates to an electronic credit supply system used for the pre-payment of goods or services and to a method of supplying credit.
  • FR-A-2575016 describes a system for use in a telephone network wherein an account number is issued by a central authority upon the payment of a sum of funds by a prospective user of a public telephone.
  • the account number has five alphanumeric characters.
  • Telephone apparatus are connected to a central processing unit which monitors a memory and decrements the stored value of funds against that account number according to the telephone usage.
  • EP-A-219577 describes a device for controlling the delivery of a utility to a subscriber in which the utility supplier generates a value code which can be used by the subscriber to operate a local device.
  • the value code includes information relating to an amount of the utility and a so-called "period code" which is a further code which is used to enable the local device, and a control number which is used at the local device to check the validity of the value code.
  • the value code includes information related to the period code which is stored at the local device. It is thus necessary for the utility supplier to maintain a record of the period codes of local devices.
  • the period code is a variable control number which must be duplicated at the central office and at the local devices.
  • An object of the invention is to provide a credit supply system where the operation of the local device is wholly independent of the utility supplier.
  • a system for supplying a consumer with prepaid goods or services which includes:
  • the code-generating means may include an input device by means of which an operator enters the said predetermined information.
  • the said predetermined information may comprise information relating to the value of funds required by the consumer, the date, and an identification number of the device connected to the operating means for which the consumer requires the funds.
  • the code-generating means may be operable either by the consumer personally or by a person manning the code-generating means. In the latter case, the said person will be supplied with the infomation by the consumer, the person then entering the information via the input device.
  • the code-generating means may also include a processing means, which may be in the form of a microprocessor, for analysing the information entered by the operator via the input device and for generating the code, the processing means having a memory means in which a crypto-algorithm is stored which encrypts the information to provide the code.
  • a processing means which may be in the form of a microprocessor, for analysing the information entered by the operator via the input device and for generating the code
  • the processing means having a memory means in which a crypto-algorithm is stored which encrypts the information to provide the code.
  • a printing means may be connected to the processing means for printing out the code in a visual format for the consumer.
  • the code may comprise a predetermined string of numerals, letters, or a combination thereof.
  • the consumer may be able to be placed in communication with the code-generating means via a telephone line. Then, the consumer may be provided with the code aurally by the person manning the code-generating means.
  • the processing means may be operable to verify that the amount entered by the consumer via the input device is the same as that paid in by the consumer.
  • the system in accordance with the invention is intended particularly for use in the provision of funds for utilities used by a consumer.
  • the system in accordance with the invention, could be used for purchasing goods or services such as, for example, bus or train tickets, or the like, transfer of funds in banks, etc.
  • the device to which the operating means is connected may be a utilities meter in a premises of the consumer, for example, an electricity meter or a water meter.
  • the processing means at the operating means can be connected to the entering means, the processing means including a memory means in which a crypto-algorithm is stored for deciphering the code entered into the processing means by the consumer via the entering means.
  • the processing means may then be operable to determine the value of funds purchased by the consumer and to credit the consumer's utilities meter with the said value of funds.
  • a storage means may be connected to the processing means, prior codes which have been entered being stored in the storage means.
  • this code is compared with the prior codes stored in the storage means by the processing means. If the code is the same as a previous code entered by the consumer, the processing means will cause the new code entered by the consumer to be rejected.
  • a method of supplying a consumer with prepaid goods or services which includes:
  • the method may then include, after the code has been entered into the operating means, deciphering the code to determine the value of the sum of funds to provide a store of credit for the device to enable the device to be operated.
  • the method may also include comparing the code entered into the operating means with prior codes stored in the operating means and, if the code is the same as any one of the prior codes, rejecting the code so entered and, if the code differs from the prior codes, accepting the code thereby to provide a store of credit for the device.
  • a credit supply system in accordance with the invention, is illustrated and is designated generally by the reference numeral 10.
  • the system 10 comprises a code generating means 12 for generating a unique code representative of predetermined information.
  • the system 10 further includes an operating means 14 operable by a consumer, the operating means 14 being connected to a device to be controlled as will be described below.
  • the code generating means 12 includes an input device 16 comprising a keypad 18 and a display 20.
  • the input device 16 is connected to a processing means 22 having a microprocessor 24 and a memory means 26.
  • a printer 28 is connected to the microprocessor 24.
  • the system 10 in accordance with the invention is intended particularly for use by a consumer wishing to utilize predetermined utilities such as, for example, electricity, water, gas, or the like, or a telephone service.
  • predetermined utilities such as, for example, electricity, water, gas, or the like, or a telephone service.
  • the example illustrated makes reference to the use of the system 10 with reference to the consumption of electricity by the consumer.
  • the system 10 can be used in other applications, such as, for example, the purchase of bus or train tickets, aeroplane tickets, or the like, the transfer of funds in banks, or the purchases of other goods or services.
  • the operating means 14 is connected to the device which, in the example illustrated, is an electricity meter 30 of the consumer's premises.
  • the operating means 14 comprises an entering means in the form of a keypad 32 having a plurality of keys 34 and a display 36.
  • the keypad 32 is connected to a processing means 38 which includes a microprocessor 40.
  • the processing means 38 has a memory means 42 in which a crypto-algorithm is stored and a storage means 44 in which previous codes entered by the consumer are stored.
  • the consumer provides the predetermined information which the consumer can either enter into the code-generating means 12 via the keypad 18 of the input device 16 personally or the information can be entered by an operator manning the code-generating means 12.
  • the consumer or operator would enter into the code-generating means via the keypad 18 information relating to the date, the value of electricity which the consumer wishes to purchase and an identification number of the consumer's electricity meter.
  • the microprocessor 24 verifies via an appropriate verification means (not shown) that the amount paid in by the consumer is the same as the amount entered via the keypad 18.
  • a crypto-algorithm is stored in the memory means 26 and the microprocessor 24 encrypts the information entered via the keypad 18 to generate the unique code.
  • the consumer is provided with the code via the printer 28.
  • the consumer then enters the code generated by the microprocessor 24 into the operating means 14 via the keypad 32.
  • the microprocessor 40 verifies, by comparing the code entered via the keypad 32 with previous codes stored in the storage means 44 that the code entered by the consumer is a new code. Should the code entered by the consumer be the same as a code entered previously and stored in the storage means 44, the microprocessor 40 rejects the code entered by the consumer.
  • the crypto-algorithm stored in the memory means 42 is employed by the microprocessor 40 to decipher the code to obtain therefrom the amount of utilities purchased by the consumer.
  • the microprocessor 40, utilising the crypto-algorithm in the memory means 42 also verifies that that portion of the code relating to the identification number of the electricity meter 30 in fact corresponds with the identification number of the meter 30. Should it not do so, the code will be rejected.
  • the microprocessor40 determines that the code is correct in all respects, the amount of utilities purchased is entered into the electricity meter 30 and this amount is displayed on a display 46 of the electricity meter 30.
  • the consumer may either directly or via a third party, such as a hawker, contact the operator telephonically to be provided with the code in an aural format.
  • the consumer would then enter the code so provided in the operating means 14 in the same manner as that described above.
  • the consumer's account which he has with the supplier of the utilities would be debited by the operator via the processing means 22. It will be appreciated that in such a case and to obviate the need to collect payment from the consumer the consumer's account would have to be in credit. If, however, the consumer deals through the third party, payment would be made by the consumer to the third party who would confirm that he has received payment, prior to the code being provided to the consumer.
  • a novel system for supplying credit by a supplier of goods or services to a consumer thereof.
  • the provision of the code in a printed format or an aural format obviates the need for sophisticated electronic equipment to encode and read devices such as magnetic or "smart" cards.

Landscapes

  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Acyclic And Carbocyclic Compounds In Medicinal Compositions (AREA)
  • Preparation Of Compounds By Using Micro-Organisms (AREA)
  • Medicines Containing Plant Substances (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Control Of Driving Devices And Active Controlling Of Vehicle (AREA)
  • Beverage Vending Machines With Cups, And Gas Or Electricity Vending Machines (AREA)
  • Adjustment And Processing Of Grains (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Claims (10)

1. System (10) zum Beliefern eines Vebrauchers mit vorbezahlten Waren oder Dienstleistungen, welches beinhaltet:
eine Codeerzeugungseinrichtung (12) zum Erzeugen eines Codes und zum Beliefern des Verbauchers mit dem Code in einem erkennbaren Format;
eine in den Räumlichkeiten des Verbrauchers befindliche Vorrichtung (30) zum Liefern der Waren oder Dienstleistungen;
eine ebenfalls in den Räumlichkeiten des Verbrauchers befindliche Betätigungseinrichtung (14), die durch den Verbraucher betätigbar und mit der Vorrichtung (30) verbunden ist, wobei die Betätigungseinrichtung (14) eine Eingabeeinrichtung (32), die es dem Verbraucher ermöglicht, den Code in die Betätigungseinrichtung einzugeben, und eine Verarbeitungseinrichtung (38) zum Verarbeiten des Codes und zum Ermöglichen des Betriebs der Vorrichtung (30), Waren oder Dienstleistungen zu liefern, umfaßt, wobei die Betätigungseinrichtung (14) betätigbar ist ohne mit der Codeerzeugungseinrichtung zu kommunizieren,
dadurch gekennzeichnet,
daß die Codeerzeugungseinrichtung (12) eine Einrichtung (16) umfaßt zum Eingeben von durch den Verbraucher gelieferter Information einschließlich einer Geldsumme, die festgelegt ist und verfügbar gemacht ist durch den Verbraucher, sowie einer Identifi kationsnummer der Vorrichtung und daß sie einen Code liefert, der für die Geldsumme und die Identifikationsnummer representative Daten beinhaltet; und
daß die Verarbeitungseinrichtung (38) Mittel umfaßt zum Vergleichen der von dem Code abgeleiteten Identifikationsnummer mit einer Identifikationsnummer der Vorrichtung und den Code zurückweist, wenn diese einander nicht entsprechen, und zum Zulassen einer Betätigung der Vorrichtung (30) zum Liefern von Waren oder Dienstleistungen zu dem Wert der Geldsumme, wenn die Identifikationsnummer sich entsprechen.
2. System nach Anspruch 1, bei dem eine Speichereinrichtung mit der Verarbeitungseinrichtung verbunden ist, wobei früher eingegebene Codes in der Speichereinrichtung gespeichert sind zum Vergleich mit nachfolgenden Codes, so daß, sollte der von dem Verbraucher eingegebene Code derselbe sein wie ein früherer Code, dereingegebene Code zurückgewiesen wird.
3. System nach Anspruch 1 oder 2, bei dem die Codeerzeugungseinrichtung eine Verarbeitungseinrichtung (22) zur Analyse der durch die Bedienperson über die Eingabeeinrichtung (16) eingegebenen Information und zum Erzeugen des Codes ist, wobei die Verarbeitungseinrichtung einen Speicher (26) aufweist, in dem ein Verschlüsselungsalgorithmus gespeichert ist, der die Information verschlüssel, um den Code bereitzustellen.
4. System nach Anspruch 3, bei dem eine Druckeinrichtung (28) mit der Verarbeitungseinrichtung (22) zum Ausdrucken des Codes in einem für den Verbraucher sichtbaren Format verbunden ist.
5. System nach einem der vorstehenden Ansprüche, bei dem die Verarbeitungseinrichtung (38) eine Speichereinrichtung (42) umfaßt, in dem ein Schlüsselalgorithmus gespeichert ist zum Entschlüsseln des von dem Verbraucher über die Eingabeeinrichtung (32) in die Verarbeitungseinrichtung (38) eingegebenen Codes.
6. System nach Anspruch 5, bei dem die Verarbeitungseinrichtung (38) denCode entschlüsselt, um hieraus die Menge der von dem Verbraucher erworbenen Güter zu erhalten.
7. Verfahren zum Versorgen eines Verbrauchers mit vorbezahlten Waren oder Dienstleistungen, welches umfaßt:
Erzeugen eines Codes mittels einer Codeerzeugungseinrichtung (12); Ausgeben des Codes an einen Verbraucher in einem erkennbaren Format; und
manuelles Eingeben des Codes in eine Betätigungseinrichtung (14), die durch den Verbraucher betätigbar ist und mit der eine zu bedienende Vorrichtung (30) verbunden ist, und Verarbeiten des Codes, um die Lieferung der Waren oder Dienstleistungen an den Verbraucher zu ermöglichen, wobei die Betätigungseinrichtung betätigbar ist, ohne mit der Codeerzeugungseinrichtung (12) zu kommunizieren, um den Verbraucher mit den Waren oder Dienstleistungen zu versorgen, dadurch gekennzeichnet,
daß der Verbraucher eine Geldsumme bestimmt und verfügbar macht und eine Identifikationsnummer der Vorrichtung (30) liefert, wobei diese Information codiert wird, so daß der Code die Geldsumme und die Identifikationsnummer repräsentierende Daten enthält; und
daß an der Betätigungseinrichtung Schritte ausgeführt werden, nach denen die von dem Code abgeleitete Identifikationsnummer mit der Identifikationsnummer der Vorrichtung (30) verglichen wird, der Code zurückgewiesen wird, wenn diese sich nicht entsprechen, und die Waren oder Dienstleistungen bis zu dem Wert der Geldsumme ausgeliefert werden, wenn sie sich entsprechen.
8. Verfahren nach Anspruch 7, welches ein Analysieren der Information und ein Verschlüsseln der Information mittels eines Verschlüsselungsalgorithmus zum Bereitstellen des Codes beinhaltet.
9. Verfahren nach Anspruch 7 oder 8, welches, nachdem der Code in die Betätigungseinrichtung eingegeben wurde, ein Entschlüsseln des Codes zur Bestimmung des Wertes der Geldsumme beinhaltet, um einen Guthabenspeicher für die Vorrichtung zu schaffen, damit die Vorrichtung betätigt werden kann.
10. Verfahren nach einem der Ansprüche 7 bis 9 einschließlich, welches ein Speichern jedes in die Betätigungseinrichtung eingegebenen Codes und ein Vergleichen eines Codes, der eingegeben wurde, mit den zuvor gespeicherten Codes beinhaltet sowie ein Zurückweisen des eingegebenen Codes, wenn der Code der selbe wie irgendeiner der vorherigen Codes ist, und ein Akzeptieren des Codes, wenn der Codes von den vorherigen Codes abweicht, um dadurch einen Guthabenspeicher für die Vorrichtung zu schaffen.
EP90310141A 1989-09-27 1990-09-17 Kreditversorgungssystem Expired - Lifetime EP0420466B2 (de)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ZA897354 1989-09-27
ZA897354 1989-09-27

Publications (3)

Publication Number Publication Date
EP0420466A1 EP0420466A1 (de) 1991-04-03
EP0420466B1 true EP0420466B1 (de) 1994-11-23
EP0420466B2 EP0420466B2 (de) 1999-04-07

Family

ID=25579837

Family Applications (1)

Application Number Title Priority Date Filing Date
EP90310141A Expired - Lifetime EP0420466B2 (de) 1989-09-27 1990-09-17 Kreditversorgungssystem

Country Status (8)

Country Link
EP (1) EP0420466B2 (de)
AT (1) ATE114377T1 (de)
DE (1) DE69014269T3 (de)
DK (1) DK0420466T4 (de)
ES (1) ES2064656T5 (de)
GR (1) GR3030613T3 (de)
UY (1) UY23843A1 (de)
ZA (1) ZA907311B (de)

Families Citing this family (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE29515869U1 (de) * 1995-10-08 1995-12-21 Bauer, Franz Hans Peter, 87719 Mindelheim Vorrichtung zur gesteuerten bargeldlosen Abgabe von elektrischer Energie, Gas, Wasser oder ähnlichen Medien
GB9607639D0 (en) * 1996-04-12 1996-06-12 Landis & Gyr Uk Ltd Metering systems
ATE203843T1 (de) * 1996-04-12 2001-08-15 Siemens Metering Ltd Mess-system mit einem ventil, das durch einen eingabecode gesteuert wird
FR2750273B1 (fr) * 1996-06-21 1998-07-17 Milano Sophie Procede de rechargement de cartes prepayees virtuelles
DE59605849D1 (de) * 1996-08-29 2000-10-12 Swisscom Ag Bern Verfahren zum Aufladen oder Nachladen einer Datenträgerkarte mit einem Geldbetragswert
GB2357356B (en) * 1999-12-17 2003-12-03 Pri Ltd Supply system
DE10048229B4 (de) * 2000-09-21 2006-08-10 Wolfram Doering Rechnergesteuertes Vermittlungssystem
WO2002047041A2 (en) * 2000-12-08 2002-06-13 Merlin Gerin S.A. (Proprietary) Limited Prepayment meter

Family Cites Families (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2575016B1 (fr) * 1984-12-13 1987-01-16 Grandmougin Michel Procede pour obtenir une communication a partir d'un appareil telephonique public suite a un prepaiement avec monnaie

Also Published As

Publication number Publication date
UY23843A1 (es) 1995-03-22
EP0420466B2 (de) 1999-04-07
GR3030613T3 (en) 1999-10-29
ZA907311B (en) 1991-10-30
DK0420466T4 (da) 1999-10-25
ES2064656T3 (es) 1995-02-01
DK0420466T3 (da) 1994-12-12
ES2064656T5 (es) 1999-08-16
ATE114377T1 (de) 1994-12-15
DE69014269T2 (de) 1995-04-06
DE69014269T3 (de) 1999-06-17
DE69014269D1 (de) 1995-01-05
EP0420466A1 (de) 1991-04-03

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