EP0811957A2 - Méthode pour payer des produits et des service - Google Patents

Méthode pour payer des produits et des service Download PDF

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Publication number
EP0811957A2
EP0811957A2 EP97100832A EP97100832A EP0811957A2 EP 0811957 A2 EP0811957 A2 EP 0811957A2 EP 97100832 A EP97100832 A EP 97100832A EP 97100832 A EP97100832 A EP 97100832A EP 0811957 A2 EP0811957 A2 EP 0811957A2
Authority
EP
European Patent Office
Prior art keywords
memory
point
data card
sale
data
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.)
Granted
Application number
EP97100832A
Other languages
German (de)
English (en)
Other versions
EP0811957A3 (fr
EP0811957B1 (fr
Inventor
Rolf Heinrich Sigg
Luigi Munafo
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.)
Landis and Gyr AG
Original Assignee
Landis and Gyr Technology Innovation AG
Landis and Gyr AG
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 Landis and Gyr Technology Innovation AG, Landis and Gyr AG filed Critical Landis and Gyr Technology Innovation AG
Publication of EP0811957A2 publication Critical patent/EP0811957A2/fr
Publication of EP0811957A3 publication Critical patent/EP0811957A3/fr
Application granted granted Critical
Publication of EP0811957B1 publication Critical patent/EP0811957B1/fr
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

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Classifications

    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • G07F7/0866Mechanisms 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
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F15/00Coin-freed apparatus with meter-controlled dispensing of liquid, gas or electricity
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F17/00Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/0014Coin-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
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • G07F7/0873Details of the card reader

Definitions

  • the invention relates to a method for paying for goods and services and a device for carrying out the method according to the preamble of claim 1.
  • Such methods are suitable for the sale of wired consumer goods, such as cold and hot water, gas, gasoline, electrical energy, heating energy etc. or information, measured by means of a measuring device.
  • EP-256'768 B1 describes in detail the methods for paying for goods and services and the necessary registration devices and data cards.
  • Examples of water and gas measuring devices in connection with a prepayment system are described in GB-2'261'978 A and GB-2'261'979 A.
  • Prepaid tokens with an electronic memory for debiting instead of coins serve to release the measuring devices and are therefore only a further development of the measuring devices to be released with coins.
  • These measuring devices release the flow of water or gas as long as the inserted token has a value greater than zero.
  • a valve on the measuring device interrupts the flow of the flowing medium.
  • EP-354'975B1 which uses magnetically writable cards instead of coins as tokens. With these systems, the prepaid tokens are used once and then thrown away.
  • the object of the invention is to provide a secure and cost-effective method for paying for goods and services which is transparent and verifiable for customers and sellers and which keeps fraud losses to a minimum, and to provide a facility for carrying out the method.
  • the method according to the invention for paying for line-bound goods and / or services using a data card begins with the purchase of a data card from a point of sale.
  • the data card is then inserted in a read / write device in at least one measuring device for the line-bound goods and its identification and characteristic values are used to describe its state.
  • the data card is connected to a point of sale device.
  • the point of sale device allocates space in its data memory for the information of the relevant data card and transmits a number of value units, which correspond to a paid amount of money, and command values into the data card.
  • the data card with this new information is transported to the measuring device and read out in its read / write device.
  • the measuring device releases a flow rate of the goods predetermined by the number of value units.
  • the data card can be overwritten again in the point of sale with the value units and the command values after the point of sale device has read the new characteristic values about the state of the measuring device from the data card.
  • the device in FIG. 1 comprises an autonomous measuring device 1, a data card 2, a point of sale device 3 and a central service 4.
  • the autonomous measuring device 1 is used to measure a flow rate Q of a flowable product 5, such as gas, water, electrical energy, Coolant, thermal energy in the form of hot water, etc., which is delivered through a line 6 to the location of a customer 7.
  • a flowable product 5 such as gas, water, electrical energy, Coolant, thermal energy in the form of hot water, etc.
  • Each measuring device 1 has a read / write device 8 for the data cards 2, for which the terms “electronic wallets” or “smart cards” are also used.
  • the read / write device 8 is set up for the authorized transmission of information between a memory 9 of the data card 2 and the measuring device 1.
  • the data card 2 is brought by the customer to a point of sale 10 equipped with a point of sale device 3, where the data card 2 is inserted into a receiving device 11 of the point of sale device 3.
  • the point of sale 10 is located in easily accessible, central locations, for example kiosks, tobacco shops, shopping centers, post offices, etc., where point of sale devices 3 for the goods 5 are set up.
  • the authorized transfer of information between the memory 9 of the data card 2 and the point of sale device 3 takes place.
  • One of the points of sale 10 accepts a cash amount from the customer and effects an authorized transfer of measuring device information from the memories 9 in via an input keyboard 12 a memory page 13 of the point of sale device 3 and a retransmission of point of sale information into the memory 9 of the data card 2.
  • the data card 2 is inserted into the read / write device 8, so that the new information from the memory 9 into the Measuring device 1 are transmitted.
  • the measuring device 1 releases an amount of the goods 5 to be drawn which corresponds to the amount of cash.
  • the central service 4 is via bidirectional connections 14, e.g. Telephone lines, light guides or radio channels, connected to the sales outlets 10 and their outlets 3.
  • the point of sale devices 3, which are cyclically queried via the connections 14, inform the central service 4 of the quantities of the goods 5 measured to the customer, the value of the goods 5 and the amount of money received by the point of sale 10, etc.
  • the central service 4 transmits command values to the point of sale 3 that get to the measuring devices 1 via the data card 2.
  • customers receive a compilation 15 at least once a year in writing of the information important to the customer, such as the quantity and type of goods 5 obtained in the past period and the amount paid for it.
  • the central service 4 comprises, for example, a data collector 16, at least one goods supplier 17 and banking institutions 18, 19 and 20, which are connected to one another via communication channels.
  • the point of sale 10 brings the cash it has taken in a route 21 to the retail bank 18 and has it credited to its account. Later there is an instruction from the point of sale 10 that the retail bank 18 has to transfer the amount requested by the data collector 16 to the data collector bank 19.
  • the data collector bank institute 19 transmits the credit note to the data collector 16, which in turn relieves the point of sale 10 for the sales of goods it arranges.
  • the data collector 16 instructs its banking institution 19 to send the goods supplier banking institution 20 an amount in favor of the goods supplier 17 which corresponds to the value of the quantity of goods 5 used less the costs of collecting the data.
  • the goods supplier 17 receives all relevant information about the measuring devices 1.
  • the goods supplier 17 relieves the data collector 16 after receipt of the credit note from the goods supplier bank 20.
  • the central service 4 comprises a number of service providers 16 to 20, usually spatially separate. In the drawing in FIG. 1, the communication channels within the central service 4 are shown as arrows which indicate the direction of transactions between the service providers.
  • the central service 4 can also include several associated goods suppliers 17 and their banking institutions 20, since the provision and delivery of the goods 5 (gas, water, electrical energy, coolant, thermal energy, etc.) is usually carried out by independent providers.
  • several measuring devices 1 are necessary at the customer's location 7. This group of measuring devices 1 installed at the location of the customer 7 can be operated by means of a single data card 2 of the customer if the memory 9 is organized accordingly.
  • employees of the goods supplier 17 have the possibility of direct access to the measuring device 1 for his goods 5 at the location of the customer 7.
  • a service card of these employees can connect to the measuring device 1 via the read / write device.
  • the service cards have access to all data and results of periodic self-tests stored in measuring device 1. This information channel is used to monitor the undisturbed functionality or, if necessary, to localize malfunctions and attempts to defraud.
  • the information about the state of the measuring devices 1, which is periodically provided by the data collector 16, allows the goods supplier 17 to plan the deployment of the service personnel in an advantageous manner and thus to minimize visits to the customer 7.
  • the measuring device 1 of FIG. 2 is autonomous because the measurement results and / or the state of the measuring device 1 are not recorded via additional and expensive information channels.
  • the measuring device 1 has an electronic block 22 which has a control unit 23 and four Register groups R1, R2, R3 and R4 includes.
  • the identification (for example the type of measuring device 1 and supplier of goods 17 (FIG. 1) and the device number) is stored in register group R1.
  • the register group R2 contains command values (type of goods, price of the unit quantity, unit of measure, residual values of devices, payment method, etc.).
  • Register group R3 contains the number of value units that represent prepaid or payable value units depending on the payment method and register group R4 the status of the measuring device.
  • the flow rate Q of the goods 5 flowing through the line 6 is measured in a measuring device 24 connected to the electronic block 22 in predetermined measurement units, which are counted as "counter reading" in the register group R4 and form part of the information about the state of the measuring device.
  • the change in the meter reading causes a change in the number of value units with the price of the unit quantity.
  • a shut-off device 25 is connected to the electronic block 22 via a control line and is controlled in such a way that the flow of the goods 5 can be interrupted or released again at the command of the control unit 23.
  • the shut-off device 25 is closed when the number of value units in the register group R3 reaches a predetermined number, for example zero, and opened again as soon as the register group R3 again contains a number of value units.
  • the register group R4 also contains key figures on the state of the measuring apparatus 1 and a log of all attempts to establish a connection with the data cards 2. This information is also used, for example, to detect attempts at fraud.
  • the following example describes the method using a data card 2 (for example as in US Pat. No. 5,440,634 mentioned at the beginning) in credit card format with an electronic circuit on a microchip 26, which is characterized by an access control to the memory 9.
  • the access control prevents a change in the memory content of the data card 2 by unauthorized persons.
  • the memory 9 is organized in the same way as the register groups R1 to R4 in memory groups S1 to S4 and additionally has an independent memory space for storing a flag F1 which identifies the state of the data card 2.
  • the storage groups S1, S2, S3 and S4 contain the identification, the command values, the number of value units and the measuring device status in the same order.
  • an arithmetic unit 28 controls a corresponding large number of memories 9, which are assigned to each measuring device 1 via the content of the corresponding memory group S1.
  • the information about electrical contact fields 27, induction loops as antennas or by means of light pulses can be conveyed between the data card 2 and the measuring device 1 or the point of sale device 3.
  • the process for a single measuring device 1 is described below.
  • the data card 2 or the service card of the goods supplier 17 (FIG. 1) is inserted into the read / write device 8 at the location of the customer 7 (FIG. 1) such that the electronic block 22 exchanges information about the electrical contact fields 27 with the microchip 26 can.
  • the arithmetic unit 28 of the microchip 26 checks whether the read / write device 8 or the recording device 11 (FIG. 1) is authorized for this process.
  • F1 the flag value
  • all the memories 9 present and the flag F1 are set to zero.
  • the data card 2 must therefore be made identifiable for the point of sale devices 3 before use in the measuring device 1 by copying the contents of the register groups R1 to R4 into the storage groups S1 to S4.
  • steps a) to k) described above are shown in a flow chart.
  • a computer 29 is with the recording device 11, the input keyboard 12, a data memory 30 with a plurality of memory pages 13 with space groups P1 to P4, a screen 31 (or another display device) for displaying sales data, credit, credits, etc., a working memory 32 with working memory locations A1 to A4 and, for example via a modem 33 and the connection 14, bi-directionally connected to the central service 4 (FIG. 1).
  • the space group P1 and the working space A1 are intended for identification, the space group P2 and the working space A2 for the command values, the space group P3 and the working space A3 for the number of value units as well as the space group P4 and the working space A4 for the measuring device status at the time the return of the data card 2 by the measuring device 1.
  • the content of the working memory locations A1 to A4 which is important for the transaction in the sales point 10 (FIG. 1) and the amount entered via the input keyboard 12 are shown on the screen 31.
  • the point of sale device 3 is connected to a machine 37, either a cashier for coins or a credit card terminal, instead of manually entering the amount of money via the input keyboard 12, the amount that is accepted by the machine 37 and for the point of sale device 3 corresponds to the amount of money released, transferred directly via a connecting line 38 to the computer 29 and credited to the data card 2 from there.
  • the advantage of this arrangement is the error-free transmission of the amount of money.
  • a combination of the sales point device 3 and the machine 37 can be designed as a self-service unit.
  • the method for paying for the line-bound goods 5 and / or services has an information transport by means of the data card between the measuring device 1 for the goods 5 and the point of sale device 3 of the point of sale 10 and back.
  • This information includes the identification and the state of the measuring device 1, which are written into the memory 9 by the measuring device 1 and transported to the point of sale device 3 with the data card 2.
  • the point of sale device 3 reads out the stored information and stores it in the data memory 30.
  • the memory 9 contains a number of value units which correspond to the amount of money paid to the point of sale 10 and the command values for the measuring device 1.
  • the central service 4 can periodically query the content of the data memory 30 of all sales point devices 3 via the connections 14 and renew the command values stored in the data memories 30.
  • the advantage of the method lies in the simple operation, the clear overview of the sales processes, the feedback from autonomous measuring devices 1 without cable connections.
  • the amounts of money transported with the data card 2 are small.
  • the data cards 2 cannot be read out by a measuring device 1 other than the authorized one and the value units can be used up.
  • a personal identification number PIN
  • a lost data card 2 is thus worthless for the finder, so that it is very likely to be returned to a sales point 10 and thus to the customer. Any losses due to negligence are also limited to the freshly loaded amount of money and the cost of a new data card 2 and must be borne by the customers themselves.
  • devices prefinanced by the central service 4 such as the measuring device 1 (FIG. 1) or consumer devices 34 supplied via the line 6 (FIG. 1) (cooker, heating, light generation, etc.), can advantageously be used for the consumption of the goods 5 be paid off.
  • the customer can view the content of the Query register group R2 or R3 on an electronic display board 35, for example by means of keys 36.
  • the customer can read off the residual value of his consumer devices 34 stored in register group R2 at any time.
  • the two registers R1 and R4 can only be read when the service card mentioned at the beginning is inserted in the read / write device 8.
  • the method according to the invention described above can also be used to pay for wired or wirelessly transmitted information, such as e.g. TV programs ("Pay TV") or information from databases, the Internet, etc. are used.
  • the measuring device 24 (FIG. 2) can also decode the type of mail item instead of metering a time span and accordingly apply a predetermined tariff.
  • the method according to the invention can also be carried out by means of a data card 2 with magnetizable data tracks known from EP-354'975B1 mentioned at the beginning.
  • the data tracks take over the function of the memory 9. Since all test steps have to be carried out in the measuring device 1 or in the point of sale device 3, the magnetic card system has less security against fraud.
  • the read / write device 8 and the recording device 11 must of course be equipped with a magnetic read / write head.

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  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Time Recorders, Dirve Recorders, Access Control (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Cash Registers Or Receiving Machines (AREA)
EP19970100832 1996-06-05 1997-01-21 Méthode pour payer des produits et des services Expired - Lifetime EP0811957B1 (fr)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
CH1417/96 1996-06-05
CH141796 1996-06-05
CH141796 1996-06-05

Publications (3)

Publication Number Publication Date
EP0811957A2 true EP0811957A2 (fr) 1997-12-10
EP0811957A3 EP0811957A3 (fr) 2002-04-10
EP0811957B1 EP0811957B1 (fr) 2003-10-15

Family

ID=4209970

Family Applications (1)

Application Number Title Priority Date Filing Date
EP19970100832 Expired - Lifetime EP0811957B1 (fr) 1996-06-05 1997-01-21 Méthode pour payer des produits et des services

Country Status (5)

Country Link
EP (1) EP0811957B1 (fr)
DE (1) DE59710847D1 (fr)
ES (1) ES2208776T3 (fr)
PT (1) PT811957E (fr)
TR (1) TR199600586A2 (fr)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2000021044A1 (fr) * 1998-10-07 2000-04-13 Manufacture D'appareillage Electrique De Cahors Systeme et procede de communication par carte a puce dans un reseau de distribution d'energie ou de fluide
EP1115096A1 (fr) * 2000-01-07 2001-07-11 Schneider Electric Industries SA Dispositif de contrôle d'énergie à prépaiement permettant d'effectuer un relevé
WO2002099759A2 (fr) * 2001-06-01 2002-12-12 Siemens Metering Limited Systemes ameliores de prepaiement de services

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2261979A (en) 1991-11-30 1993-06-02 Schlumberger Ind Ltd Prepayment systems.
GB2261978A (en) 1991-11-30 1993-06-02 Schlumberger Ind Ltd Prepayment water supply systems.
EP0256768B1 (fr) 1986-08-05 1994-03-02 Oki Electric Industry Company, Limited Dispositif pour le traitement de transactions
EP0354975B1 (fr) 1987-07-18 1994-12-28 Smith Meters Limited Compteur de consommation
US5440634A (en) 1991-10-16 1995-08-08 Jonhig Limited Value transfer system

Family Cites Families (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4240030A (en) * 1978-12-14 1980-12-16 Bateman Jess R Intelligent electric utility meter
GB8614620D0 (en) * 1986-06-16 1986-07-23 Schlumberger Electronics Uk Commodity metering systems
GB2208955A (en) * 1987-08-19 1989-04-19 Gen Electric Plc Prepayment systems for supply of a commodity
US4795892A (en) * 1987-12-09 1989-01-03 Cic Systems, Inc. Pre-paid commodity system
DE9110840U1 (de) * 1991-08-02 1992-03-05 Barth, Detlef, 6072 Dreieich Gebühreneinziehendes Freischaltgerät für Stromverbraucher
ATE148800T1 (de) * 1991-09-27 1997-02-15 Schlumberger Ind Ltd Vorausbezahlungssystem
GB2285705B (en) * 1993-11-30 1998-04-15 Schlumberger Ind Ltd Prepayment systems

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0256768B1 (fr) 1986-08-05 1994-03-02 Oki Electric Industry Company, Limited Dispositif pour le traitement de transactions
EP0354975B1 (fr) 1987-07-18 1994-12-28 Smith Meters Limited Compteur de consommation
US5440634A (en) 1991-10-16 1995-08-08 Jonhig Limited Value transfer system
GB2261979A (en) 1991-11-30 1993-06-02 Schlumberger Ind Ltd Prepayment systems.
GB2261978A (en) 1991-11-30 1993-06-02 Schlumberger Ind Ltd Prepayment water supply systems.

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2000021044A1 (fr) * 1998-10-07 2000-04-13 Manufacture D'appareillage Electrique De Cahors Systeme et procede de communication par carte a puce dans un reseau de distribution d'energie ou de fluide
FR2784484A1 (fr) * 1998-10-07 2000-04-14 Cahors App Elec Systeme et procede de communication par carte a puce dans un reseau de distribution d'energie ou de fluide
EP1115096A1 (fr) * 2000-01-07 2001-07-11 Schneider Electric Industries SA Dispositif de contrôle d'énergie à prépaiement permettant d'effectuer un relevé
WO2002099759A2 (fr) * 2001-06-01 2002-12-12 Siemens Metering Limited Systemes ameliores de prepaiement de services
WO2002099759A3 (fr) * 2001-06-01 2003-12-11 Siemens Metering Ltd Systemes ameliores de prepaiement de services

Also Published As

Publication number Publication date
PT811957E (pt) 2004-03-31
TR199600586A3 (tr) 1997-12-21
ES2208776T3 (es) 2004-06-16
DE59710847D1 (de) 2003-11-20
EP0811957A3 (fr) 2002-04-10
EP0811957B1 (fr) 2003-10-15
TR199600586A2 (xx) 1997-12-21

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