EP0524186A1 - Procede de traitement electronique de donnees relatives a l'arge nt liquide et d'autres donnees confidentielles - Google Patents

Procede de traitement electronique de donnees relatives a l'arge nt liquide et d'autres donnees confidentielles

Info

Publication number
EP0524186A1
EP0524186A1 EP19910904882 EP91904882A EP0524186A1 EP 0524186 A1 EP0524186 A1 EP 0524186A1 EP 19910904882 EP19910904882 EP 19910904882 EP 91904882 A EP91904882 A EP 91904882A EP 0524186 A1 EP0524186 A1 EP 0524186A1
Authority
EP
European Patent Office
Prior art keywords
smartcard
transacting device
information
transacting
transfer
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.)
Withdrawn
Application number
EP19910904882
Other languages
German (de)
English (en)
Inventor
Matti Villikari
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.)
Individual
Original Assignee
Individual
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 Individual filed Critical Individual
Publication of EP0524186A1 publication Critical patent/EP0524186A1/fr
Withdrawn legal-status Critical Current

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
    • G07F7/10—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
    • 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
    • G07F7/0873—Details of the card reader
    • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction

Definitions

  • This invention concerns a method for handling cash or other confidential information electronically, where the information is transferred electronically through a smart ⁇ card or a similar device with programmable memory.
  • value cards for automatic charging devices.
  • the method of the invention is charac- terized by that the transfer of funds -r information to or from the smartcard is registered with the aid of a separate transacting device associated and communicating with each smartcard as its own pair, in which information about funds or information transfers via the smartcard is stored.
  • the system according to the present invention for handling cash or other information to be protected electro ⁇ nically, based on an electronically programmable smartcard or equivalent is characterized by that the system consists of the smartcard and of a transacting device operating as its own pair, into which the sr ⁇ rtcard is insertable in order to effect electronic transfer of funds or information between the smartcard and the transacting device.
  • One preferred embodiment of the system according to the invention is characterized by that the smartcard and the transacting device associated with it have an essen ⁇ tially similar logic, so that the logic part of the trans ⁇ acting device consists essentially of a duplicate of the smartcard.
  • figure 1 shows the smartcard reader device used in the invention in actual size
  • figure 2 shows the basic parts of the system accord ⁇ ing to the invention seen from above
  • figure 3 shows the parts of figure 2 as seen from a side view
  • figure 4 shows schematically the registers of the smartcard.
  • the invention thus concerns such an electronic pay ⁇ ment method and system, where a card or equivalent provided with its own logic is used.
  • these cards has been called intelligent cards or transaction cards. Further denominations in English are Smart Card, IC Card and Chip Card.
  • the card can be used as a cash payment means, because it contains up-to-date information about the owner's cash funds, which can be maintained in a payment transaction situation.
  • this kind of payment and cash transac- tion service is supplied by an organization which is in close cooperation with banks and possibly with credit card companies, using their distribution network.
  • Cash can be loaded and unloaded at automatic teller machines (ATMs) which are equipped with smartcard readers and which are programmed with the functions required for handling electronic funds. Also the working stations and data transfer services can be provided with programs to support transfer of electronic funds.
  • a connection to the account system of the bank can also be accomplished with the aid of the so called telebanking exchange connections.
  • a prerequisite for using a smartcard in an ATM is that the card owner has a bank account and -card activated for usage with ATM.
  • the bank card information and the per ⁇ sonal identification number (PIN) are stored in connection with the delivery of the card on the safety area of the smartcard.
  • the smartcard can act itself as a bank card.
  • the electronic cash handling system thus consists in addition to the smartcard 4 of a transacting device 6 operating as its own pair, into which, as is shown in figures 2 and 3, the smartcard is insertable in order to effect electronic transfer of funds.
  • the transacting device 6 contains a display 1, a numeric keyboard 2 and a function keyboard 3 of the trans- acting device. Additionally, the transacting device has a changeable battery and a clock and calendar, which are needed for the maintenance functions. With the calculator ⁇ like transacting device it is thus possible to read the smartcard, to give commands to the smartcard in order to make and receive payments, and to perform other functions as well, such as calculator and calendar operations.
  • the logic of the transacting device 6 consists essentially of a duplicate 5 of the smartcard 4, whereby a complete copy of the data in the smartcard can be easily stored in the logic of the transacting device.
  • the transacting device 6 and the smart ⁇ card 4 operates as a pair in order to make payment possible only when both are in use. This feature has the consequen ⁇ ce, that when one part of the pair is lost, the service supplier can transfer the funds from the part left back to the client's account, and invalidate the half without a pair. For this reason, the card 4 is not kept continuously in the transacting device 6, but separately for instance in a wallet, like a regular bank or credit card.
  • the smartcard 4 is the actual operational card, with the aid of which the communication with the service sup ⁇ plier's network can be handled, upon loading or unloading funds and when making payments to other transaction devi ⁇ ces.
  • the smartcard 5 is situated inside the trarsacting devics in a fixed fashion.
  • the smartcards 4 and 5 communi ⁇ cate with each other through readers 4a and 5a.
  • the infor ⁇ mation exchange between the cards is crypted.
  • External communications may be performed also with the aid of the transacting device's serial port 7.
  • the figure 4 is a schematic presentation of the registers in the smartcards 4 and 5, which are used in funds transfers.
  • the smart ⁇ card 5 When the smartcard is thereafter inserted in the transacting device 6, the smart ⁇ card 5 first checks that the smartcard 4 is its own pair by comparing the PIN and other identification data stored in the registers 9a and 9b. The balance information in the re ⁇ gisters 11a and lib are also compared. Then the smartcard 5 reads the field 10a and notices that there is an activa ⁇ ted cash amount. The amount data is copied to field 10b in card 5. After this, the amounts in the fields 10a and 10b are added to the balance fields 11a and lib, and it is checked that the balance of both cards are equal. If they are, the transfer is accepted and the balance and possible transaction logs are updated and the fields 10a, 10b are cleared. Transaction log
  • the smartcard 4 and the account associated with it can thus be in any bank that is connected to the ATM network.
  • a "normal" transaction is entered to the ATM network.
  • For the accountkeeping account it makes no difference whether the notes have been withdrawn or funds have been loaded to the card.
  • the accountkeeping bank handles the inter-bank clearing etc. like cash had been withdrawn.
  • a smartcard customer can choose to have a transac ⁇ tion log function associated to his cash handling system.
  • the function is similar to a passbook, ie. all transactions are logged.
  • Logged information include for instance time, explanation text and the amount.
  • the log can be continuous showing for instance the 50 latest transactions, or it can be transferred to other systems for uploading. It is also possible to have the transaction log printed out by the printer in the ATM.
  • the smartcard 4 is inserted in the card terminal of the transacting device 6 and the amount of the payment is keyed in. For the payment order, the pin number of the smartcard must be entered. After this, the payment is activated in field 10a of card 4, which means that the balances both in the smartcard 4 and the transaction device 6 have been reduced, and that the amount now can be transferred to the transaction device of the receiver.
  • the transaction can also take place via a data transmission link by connecting the transacting device via its serial port 7 to a computer provided with data transmission software.
  • Receiving payment The smartcard 4, having been activated with the amount to be transferred, is given to the receiver of the payment, which inserts the smartcard 4 into his own transacting device 6.
  • the payment's receiver can now with a simple command transfer the amount to his own transacting device.
  • the name of the receiver is transferred to the card of the payer, and the name of the payer is transferred to the transacting device of the re ⁇ DCver. This information is used for maintaining the trans ⁇ action log, if the user has defined such in his transaction devi e.
  • the activated amount can be pulled back by inserting the smartcard 4 into its own transacting device 6 and acting like receiving a payment from a foreign card. If the amount already was transferred to the receiver's device, the procedure of the reversal is the one of normal payment. Transfer from card to own account
  • Funds can be transferred from the smartcard 4 to ones own account by entering the amount to be transferred in the transaction device 6 and by issuing a transfer command.
  • the function is similar to the payment routine.
  • the card is inser ⁇ ted to an ATM, and the function "transfer to account" is chosen.
  • the ATM makes an account transfer operation in the bank's payment exchange system, in which the electronic funds transfer account is debited and the bank account whose number is defined on the smartcard's safety area is credited.
  • the serial port can be used.
  • An uploading to a bank account can be made by data transfer as well.
  • the question of security is the foundation-stone of all the operations of the transacting device. The issue is just as important as that notes should be difficult to falsify.
  • the security of the transacting device is based on both physi ⁇ cal and logical protection qualities of the smartcards on one hand and the fact that the service supplier has the possibility of controlling the state of the smartcards in the network with automatic (and secrc-.-;) checks the other hand.
  • the system mentioned above can be used for instance in access control or in the storage and forwarding of per ⁇ sonal data (medical- and authority files).
  • per ⁇ sonal data medical- and authority files.
  • the checking of a person's identity and access authoriza- tion within an access control system is easy with the aid of transaction devices carried by the guards.

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

On décrit un procédé et un système de traitement électronique de données relatives à l'argent liquide ou d'autres données confidentielles, dans lesquels les données sont transférées de manière électronique à l'aide d'une carte à puce (4) ou autre dispositif ayant une mémoire programmable. Dans ce nouveau procédé de traitement sûr, qui est basé sur l'utilisation de cartes à puce, le transfert de sommes d'argent ou de données de la carte à puce (4), ou vers celle-ci, est enregistré à l'aide d'un dispositif de transaction séparé (6) associé à chaque carte à puce et communiquant avec celle-ci, les deux éléments formant une paire. Le dispositif stocke des informations concernant les sommes disponibles ou les transferts d'informations à l'aide de la carte à puce (4).
EP19910904882 1990-02-21 1991-02-19 Procede de traitement electronique de donnees relatives a l'arge nt liquide et d'autres donnees confidentielles Withdrawn EP0524186A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
FI900865A FI88222C (fi) 1990-02-21 1990-02-21 Elektroniskt behandlingsfoerfarande foer kontanta medel eller andra data som skall skyddas
FI900865 1990-02-21

Publications (1)

Publication Number Publication Date
EP0524186A1 true EP0524186A1 (fr) 1993-01-27

Family

ID=8529916

Family Applications (1)

Application Number Title Priority Date Filing Date
EP19910904882 Withdrawn EP0524186A1 (fr) 1990-02-21 1991-02-19 Procede de traitement electronique de donnees relatives a l'arge nt liquide et d'autres donnees confidentielles

Country Status (4)

Country Link
EP (1) EP0524186A1 (fr)
AU (1) AU7315691A (fr)
FI (1) FI88222C (fr)
WO (1) WO1991013411A1 (fr)

Families Citing this family (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR0125095B1 (ko) * 1991-12-13 1997-12-15 다니이 아끼오 전자자산데이터이전방법
EP0724238A1 (fr) * 1995-01-24 1996-07-31 Europay International S.A. Dispositif à cartes et système pour transactions sans espèces
EP0790588A1 (fr) * 1996-02-12 1997-08-20 Koninklijke KPN N.V. Méthode pour stocker et récupérer en sécurité des données monétaires
JPH09237298A (ja) * 1996-02-29 1997-09-09 Hitachi Ltd 電子通貨決済システム
EP0818749A3 (fr) * 1996-07-12 1999-05-12 Jürgen Dethloff Procédé et système pour la protection de données
CA2279248A1 (fr) * 1997-02-13 1998-08-20 Koninklijke Kpn N.V. Procede de stockage et d'extraction en toute securite de donnees monetaires
GB9824420D0 (en) 1998-11-07 1998-12-30 Ncr Int Inc Smart card and method of operating the smart card
JP2000172796A (ja) * 1998-12-09 2000-06-23 Hitachi Ltd 電子財布及びその操作方法
JP4320481B2 (ja) 1999-03-05 2009-08-26 ソニー株式会社 電子マネーシステム
GB2406826A (en) * 2003-10-08 2005-04-13 Afzal Muhammad Khan Wrist watch and smart card combination.

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4277837A (en) * 1977-12-30 1981-07-07 International Business Machines Corporation Personal portable terminal for financial transactions
US4454414A (en) * 1982-06-16 1984-06-12 Vericard Corporation Funds transfer system using optically coupled, portable modules
IL75702A0 (en) * 1984-07-27 1985-11-29 Technion Res & Dev Foundation Apparatus for effecting and recording monetary transactions
US4719338A (en) * 1985-08-12 1988-01-12 Ncr Corporation Pocket calculator with credit card controller and dispenser
US4837422A (en) * 1987-09-08 1989-06-06 Juergen Dethloff Multi-user card system

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See references of WO9113411A1 *

Also Published As

Publication number Publication date
FI900865A0 (fi) 1990-02-21
FI88222C (fi) 1993-04-13
WO1991013411A1 (fr) 1991-09-05
FI900865A (fi) 1991-08-22
FI88222B (fi) 1992-12-31
AU7315691A (en) 1991-09-18

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