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
  • G07F7/0866—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
  • 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
  • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless 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
  • G06Q20/04—Payment circuits
• • 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
  • G06Q20/22—Payment schemes or models
  • G06Q20/26—Debit schemes, e.g. "pay now"
• • 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
• • H—ELECTRICITY
  • H04—ELECTRIC COMMUNICATION TECHNIQUE
  • H04M—TELEPHONIC COMMUNICATION
  • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems

Definitions

• the present invention relates to a portable electronic transaction terminal, in particular portable payment terminal, comprising a memory card reader, a computer for controlling the procedures for controlling the card, authenticating the user and transaction with a center.
• remote server thus believes remote connection means.
• terminals comprising short-range HF link means making it possible to transmit data between the terminal and a dedicated local relay connected to the switched telephone network are known.
• An example of such a terminal is disclosed by European patent application EP484198.
• terminals are described, each comprising means for entering transaction data, a wireless communication interface with a remote central station and with electronic initialization and means arranged, during the transaction, to communicate with the central station.
• These terminals allow certain professionals and traders not to require their customers to travel to enter their confidential code.
• This solution consists simply of replacing the wired link with a remote link. It requires the installation of a special installation, and confines the use to a small area of use.
• the object of the present invention is to provide a device avoiding this drawback, and moreover making it possible to reduce the cost, the weight and the bulk, and to improve the ergonomics.
• the invention also aims to improve ergonomics by advanced automation of tasks and the possibility of controlling in a programmed manner the interactive and automatic sequence of electronic payment functions and telecommunications functions.
• the invention relates to a terminal in which the connection means are constituted by a cellular telephone circuit incorporated in the housing of said terminal, and the data entry means of which and the display means are common to electronic payment functions and telecommunication functions.
• the terminal comprises a screen manager circuit receiving the digital signals originating on the one hand from the cellular telephone circuit and on the other hand from the computer assigned to executing the transaction programs.
• the terminal according to the invention comprises a common electrical supply for all of the circuits.
• the terminal includes a storage circuit containing the information relating to the communication protocols. electronic transactions executed by the computer and information relating to the connection to the servers operated by the cellular telephone circuit.
• the terminal further includes a second card reader.
• Figure 1 shows a schematic view of a terminal according to the invention
• Figure 2 shows a view of an exemplary block diagram
• Figure 1 shows a schematic view of a terminal according to the invention. It is made up of a single box (1) having a liquid crystal display screen (2) and a numeric or alphanumeric keyboard (3).
• the housing has two slots (4, 5) for the insertion of memory cards.
• the housing is surmounted by an antenna (6).
• FIG. 2 shows a block diagram of such a terminal.
• the electronic circuit comprises a cellular telephone circuit (7) of known type and a computer (8) for the execution of the transaction functions.
• the two circuits are supplied by a common source of electricity (9), for example a Lithium Ion battery.
• the circuit further comprises a common memory (10) and a common display screen (2).
• the computer (8) is connected to two memory card readers (11, 12).
• the memory (10) can contain the information relating to the protocol for connection to a server.
• the user can enter the information relating to a transaction using the keyboard (3).
• the computer activates the connection via the cellular telephone circuit (7).
• the data relating to the connection for example the telephone number of the server, are stored in the memory (10).
• the data received by the cellular telephone circuit (7) is transmitted to the computer (8) for the continuation of the transaction.
• the second reader can be used for different purposes. According to an operating mode, the second reader
• (12) is a reader intended to receive the identification card of the device from the telecommunications operator.
• the integration of electronic payment and telecommunication functions makes it possible to unify the identification and authorization protocols of the user and to avoid any risk of error or fraud due to divergence between the identity of the user such as referenced with the telecommunications operator, and the identity of the user as referenced with the banking or financial organization.
• the second reader (12) thus serves to completely personalize the device by the use of a single card, property of a user.
• the second reader can also be intended to receive cards such as the "merchant” card for electronic payment systems, or “doctor” cards for operating systems of the health card.
• the invention is described in the foregoing by way of nonlimiting example.

Landscapes

• Business, Economics & Management (AREA)
• Engineering & Computer Science (AREA)
• Physics & Mathematics (AREA)
• General Physics & Mathematics (AREA)
• Accounting & Taxation (AREA)
• General Business, Economics & Management (AREA)
• Strategic Management (AREA)
• Theoretical Computer Science (AREA)
• Computer Networks & Wireless Communication (AREA)
• Computer Security & Cryptography (AREA)
• Signal Processing (AREA)
• Finance (AREA)
• Telephone Function (AREA)
• Mobile Radio Communication Systems (AREA)
• Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Applications Claiming Priority (3)

Publications (1)

Family

ID=9492713

Family Applications (1)

Country Status (3)

Families Citing this family (38)

Family Cites Families (6)

• 1996
  • 1996-06-04 FR FR9606890A patent/FR2749424B1/fr not_active Expired - Lifetime
• 1997
  • 1997-06-04 WO PCT/FR1997/000992 patent/WO1997046986A1/fr active Application Filing
  • 1997-06-04 EP EP97927237A patent/EP0951703A1/de not_active Ceased

Non-Patent Citations (1)

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