EP0951703A1 - Portable electronic transaction terminal, in particular portable payment terminal - Google Patents
Portable electronic transaction terminal, in particular portable payment terminalInfo
- Publication number
- EP0951703A1 EP0951703A1 EP97927237A EP97927237A EP0951703A1 EP 0951703 A1 EP0951703 A1 EP 0951703A1 EP 97927237 A EP97927237 A EP 97927237A EP 97927237 A EP97927237 A EP 97927237A EP 0951703 A1 EP0951703 A1 EP 0951703A1
- Authority
- EP
- European Patent Office
- Prior art keywords
- terminal
- electronic transaction
- portable electronic
- portable
- payment terminal
- 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.)
- Ceased
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
- G07F7/0866—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)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Signal Processing (AREA)
- Telephone Function (AREA)
- Mobile Radio Communication Systems (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
Claims
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
FR9606890 | 1996-06-04 | ||
FR9606890A FR2749424B1 (en) | 1996-06-04 | 1996-06-04 | PORTABLE ELECTRONIC TRANSACTION TERMINAL, ESPECIALLY PORTABLE PAYMENT TERMINAL |
PCT/FR1997/000992 WO1997046986A1 (en) | 1996-06-04 | 1997-06-04 | Portable electronic transaction terminal, in particular portable payment terminal |
Publications (1)
Publication Number | Publication Date |
---|---|
EP0951703A1 true EP0951703A1 (en) | 1999-10-27 |
Family
ID=9492713
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
EP97927237A Ceased EP0951703A1 (en) | 1996-06-04 | 1997-06-04 | Portable electronic transaction terminal, in particular portable payment terminal |
Country Status (3)
Country | Link |
---|---|
EP (1) | EP0951703A1 (en) |
FR (1) | FR2749424B1 (en) |
WO (1) | WO1997046986A1 (en) |
Families Citing this family (38)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CA2295043A1 (en) * | 1997-06-27 | 1999-01-07 | Swisscom Ag | Transaction method carried out with a mobile apparatus |
KR100315947B1 (en) * | 1998-03-23 | 2002-02-28 | 성인용 | Handy terminal for banking account |
US6424845B1 (en) | 1998-06-19 | 2002-07-23 | Ncr Corporation | Portable communication device |
FR2781325B1 (en) * | 1998-07-20 | 2000-10-06 | France Telecom | TELEPHONE APPARATUS HAVING AUTOMATIC NUMBERING MEANS |
FR2784531B1 (en) * | 1998-10-13 | 2000-12-29 | France Telecom | DEVICE FOR ACQUIRING AND TRANSFERRING INFORMATION RELATING TO MEANS OF PAYMENT TO A BANKING ORGANIZATION |
WO2000032547A1 (en) * | 1998-12-03 | 2000-06-08 | Toray Industries, Inc. | Method of converting aromatic compound |
ATE362154T1 (en) * | 1999-06-03 | 2007-06-15 | Gemplus Card Int | PREPARATION AND EXECUTION OF A PROGRAM IN AN ADDITIONAL CHIP CARD OF A TERMINAL DEVICE |
FR2794547B1 (en) | 1999-06-03 | 2001-08-24 | Gemplus Card Int | PREPARATION AND EXECUTION OF A PROGRAM IN AN ADDITIONAL CHIP CARD OF A TERMINAL |
DE20007254U1 (en) * | 2000-04-19 | 2001-05-31 | Scm Microsystems Gmbh | Card terminal |
US7333947B2 (en) | 2000-11-13 | 2008-02-19 | Anoto Ab | Network-based system |
FR2819128B1 (en) * | 2001-01-04 | 2003-09-12 | Sagem | ELECTRONIC PAYMENT TERMINAL AND METHOD |
KR20020070040A (en) * | 2001-02-28 | 2002-09-05 | 진용민 | Wire and wireless communication terminal equipment having card reading system therein |
KR20020093405A (en) * | 2001-06-08 | 2002-12-16 | 김유신 | A Hand Point of Sales with Telephone Function and Settling Accounts Function with Credit Card |
KR20030005984A (en) * | 2001-07-11 | 2003-01-23 | 함한경 | Card reading machine for multifunction |
JPWO2003023672A1 (en) * | 2001-09-10 | 2004-12-24 | 佐川急便株式会社 | Portable card reader and card payment system |
KR100452161B1 (en) * | 2002-07-25 | 2004-10-12 | 주식회사 우심시스템 | A credit-card checker combining cellular phone |
AU2003271923A1 (en) * | 2002-10-17 | 2004-05-04 | Vodafone Group Plc. | Facilitating and authenticating transactions |
GB2396707B (en) * | 2002-10-17 | 2004-11-24 | Vodafone Plc | Facilitating and authenticating transactions |
KR20050011782A (en) * | 2003-07-23 | 2005-01-31 | 엘지전자 주식회사 | A method and a apparatus of locking communication status with sms for mobile phone |
US8244611B2 (en) | 2007-12-19 | 2012-08-14 | Metabank | Private label promotion card system, program product, and associated computer-implemented methods |
US8108272B2 (en) | 2007-12-21 | 2012-01-31 | Metabank | Transfer account systems, computer program products, and computer-implemented methods to prioritize payments from preselected bank account |
US8583515B2 (en) | 2007-12-21 | 2013-11-12 | Metabank | Transfer account systems, computer program products, and associated computer-implemented methods |
US8108279B2 (en) | 2007-12-21 | 2012-01-31 | Metabank | Computer-implemented methods, program product, and system to enhance banking terms over time |
US10515405B2 (en) | 2008-03-03 | 2019-12-24 | Metabank | Person-to-person lending program product, system, and associated computer-implemented methods |
US8738451B2 (en) | 2008-04-04 | 2014-05-27 | Metabank | System, program product, and method for debit card and checking account autodraw |
WO2009140520A1 (en) | 2008-05-14 | 2009-11-19 | Metabank | A pre-paid card transaction computer to load a loan on a pre-paid card |
US11227331B2 (en) | 2008-05-14 | 2022-01-18 | Metabank | System, program product, and computer-implemented method for loading a loan on an existing pre-paid card |
US8538879B2 (en) | 2008-05-14 | 2013-09-17 | Metabank | System, program product, and computer-implemented method for loading a loan on an existing pre-paid card |
US8024242B2 (en) | 2008-09-04 | 2011-09-20 | Metabank | System, method, and program product for foreign currency travel account |
US8403211B2 (en) | 2008-09-04 | 2013-03-26 | Metabank | System, program product and methods for retail activation and reload associated with partial authorization transactions |
WO2010028266A1 (en) | 2008-09-04 | 2010-03-11 | Metabank | System, program product and methods for retail activation and reload associated with partial authorization transactions |
US8371502B1 (en) | 2008-10-28 | 2013-02-12 | Metabank | Shopping center gift card offer fulfillment machine, program product, and associated methods |
US8108977B1 (en) | 2008-10-31 | 2012-02-07 | Metabank | Machine, methods, and program product for electronic order entry |
US9213965B1 (en) | 2008-11-26 | 2015-12-15 | Metabank | Machine, methods, and program product for electronic inventory tracking |
US8090649B2 (en) | 2008-12-18 | 2012-01-03 | Metabank | Computerized extension of credit to existing demand deposit accounts, prepaid cards and lines of credit based on expected tax refund proceeds, associated systems and computer program products |
US8175962B2 (en) | 2008-12-18 | 2012-05-08 | Metabank | Computerized extension of credit to existing demand deposit accounts, prepaid cards and lines of credit based on expected tax refund proceeds, associated systems and computer program products |
US8286863B1 (en) | 2009-02-04 | 2012-10-16 | Metabank | System and computer program product to issue a retail prepaid card including a user-designed external face using a chit and related computer implemented methods |
US20110082737A1 (en) | 2009-09-28 | 2011-04-07 | Crowe Andrew B | Computer-implemented methods, computer program products, and systems for management and control of a loyalty rewards network |
Family Cites Families (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5208446A (en) * | 1991-09-19 | 1993-05-04 | Martinez Jerry R | Method and apparatus for validating credit information during home delivery of order |
US5359182A (en) * | 1992-10-06 | 1994-10-25 | Interdigital Technology Corporation | Wireless telephone debit card system and method |
FI107678B (en) * | 1992-11-11 | 2001-09-14 | Sonera Smarttrust Oy | Mobile Phone system |
US5608778A (en) * | 1994-09-22 | 1997-03-04 | Lucent Technologies Inc. | Cellular telephone as an authenticated transaction controller |
FI100137B (en) * | 1994-10-28 | 1997-09-30 | Vazvan Simin | Real-time wireless telecom payment system |
SE506506C2 (en) * | 1995-04-11 | 1997-12-22 | Au System | Electronic transaction terminal, telecommunication system including an electronic transaction terminal, smart card as electronic transaction terminal and method of transferring electronic credits |
-
1996
- 1996-06-04 FR FR9606890A patent/FR2749424B1/en not_active Expired - Lifetime
-
1997
- 1997-06-04 EP EP97927237A patent/EP0951703A1/en not_active Ceased
- 1997-06-04 WO PCT/FR1997/000992 patent/WO1997046986A1/en active Application Filing
Non-Patent Citations (1)
Title |
---|
See references of WO9746986A1 * |
Also Published As
Publication number | Publication date |
---|---|
WO1997046986A1 (en) | 1997-12-11 |
FR2749424A1 (en) | 1997-12-05 |
FR2749424B1 (en) | 1998-07-10 |
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Legal Events
Date | Code | Title | Description |
---|---|---|---|
PUAI | Public reference made under article 153(3) epc to a published international application that has entered the european phase |
Free format text: ORIGINAL CODE: 0009012 |
|
17P | Request for examination filed |
Effective date: 19981215 |
|
AK | Designated contracting states |
Kind code of ref document: A1 Designated state(s): AT BE CH DE DK ES FI FR GB GR IE IT LI LU MC NL PT SE |
|
RAP1 | Party data changed (applicant data changed or rights of an application transferred) |
Owner name: MONEYLINE PAYMENT SYSTEMS |
|
RAP1 | Party data changed (applicant data changed or rights of an application transferred) |
Owner name: MONEYLINE |
|
RAP1 | Party data changed (applicant data changed or rights of an application transferred) |
Owner name: COMPAGNIE INDUSTRIELLE ET FINANCIERE D'INGENIERIE |
|
17Q | First examination report despatched |
Effective date: 20070807 |
|
RBV | Designated contracting states (corrected) |
Designated state(s): AT BE CH DE DK ES FI GB GR IE IT LI NL PT SE |
|
RAP1 | Party data changed (applicant data changed or rights of an application transferred) |
Owner name: INGENICO GROUP |
|
REG | Reference to a national code |
Ref country code: DE Ref legal event code: R003 |
|
STAA | Information on the status of an ep patent application or granted ep patent |
Free format text: STATUS: THE APPLICATION HAS BEEN REFUSED |
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18R | Application refused |
Effective date: 20190826 |