EP2070061A1 - Procédé et installation pour la liquidation de transactions de paiement par carte au moyen d'un module qui remplace toutes les cartes de paiement et/ou de crédit d'un utilisateur - Google Patents

Procédé et installation pour la liquidation de transactions de paiement par carte au moyen d'un module qui remplace toutes les cartes de paiement et/ou de crédit d'un utilisateur

Info

Publication number
EP2070061A1
EP2070061A1 EP06805660A EP06805660A EP2070061A1 EP 2070061 A1 EP2070061 A1 EP 2070061A1 EP 06805660 A EP06805660 A EP 06805660A EP 06805660 A EP06805660 A EP 06805660A EP 2070061 A1 EP2070061 A1 EP 2070061A1
Authority
EP
European Patent Office
Prior art keywords
user
terminal
arrangement
card
payment
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Withdrawn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
EP06805660A
Other languages
German (de)
English (en)
Inventor
Claudia Von Heesen
Harald Spiegel
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 EP2070061A1 publication Critical patent/EP2070061A1/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Withdrawn legal-status Critical Current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
    • G06Q20/34—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
    • G06Q20/357—Cards having a plurality of specified features

Definitions

  • a deputy identification device for example a type of collective money or credit card (MoneyCombiCard), instead of several conventional money and credit cards.
  • the user (10) has an identification device (20), preferably in the form and size of a conventional money or credit card, in this exemplary embodiment also called MoneyCombiCard (20).
  • the identification device (20) may be read at the point of acceptance by a terminal (21), (preferably, for a quick launch, a conventional card terminal).
  • the central processing device (32) to which all other components are connected,
  • the user data storage device (33) and the user data storage device (33) are The user data storage device (33) and the user data storage device (33) and the user data storage device (33) and
  • the user data storage device (33) stores the user master data belonging to a user (10) in a user account (35).
  • Each user account (35) is assigned one or more user financial account records (37, 38, 39) according to the financial accounts (cash card, credit card account, etc.) a user (10) wishes to use.
  • the operator of an acceptance point (11) must have assigned to his user account (33) for each accepted financial account type (for example, VISA card, MASTER card EC / Maestro card, etc.) exactly one user financial account record (37, 38, 39) ,
  • accepted financial account type for example, VISA card, MASTER card EC / Maestro card, etc.
  • a credit note is prepared for the corresponding financial account by the central processing device (32) in the financial transaction processing device (41, 42, 43) belonging to the financial account of the operator of the acceptance point (11) (payee).
  • the central processing device (32) receives a positive feedback from the financial transaction handling device (41, 42, 43) of the user (10) that the debit of the user's financial account (10) has been successfully completed, the central processing device (32 ) instructed the completion of the already prepared credit note on the financial account of the operator of the acceptance point (11).
  • the central processing unit (32) sends a payment success message via the terminal communication device (32). 31), the terminal (21) and its display device (24) to the user (10).
  • the requested method according to the invention is completed with the receipt of the payment success message at the terminal and the corresponding display of the message.

Landscapes

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

Abstract

Dans le procédé selon l'invention pour la liquidation de transactions de paiement par carte, un module d'identification qui remplace tous les modules d'identification appartenant à un utilisateur est utilisé.
EP06805660A 2006-09-06 2006-09-06 Procédé et installation pour la liquidation de transactions de paiement par carte au moyen d'un module qui remplace toutes les cartes de paiement et/ou de crédit d'un utilisateur Withdrawn EP2070061A1 (fr)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/EP2006/008697 WO2008028505A1 (fr) 2006-09-06 2006-09-06 Procédé et installation pour la liquidation de transactions de paiement par carte au moyen d'un module qui remplace toutes les cartes de paiement et/ou de crédit d'un utilisateur

Publications (1)

Publication Number Publication Date
EP2070061A1 true EP2070061A1 (fr) 2009-06-17

Family

ID=38007925

Family Applications (1)

Application Number Title Priority Date Filing Date
EP06805660A Withdrawn EP2070061A1 (fr) 2006-09-06 2006-09-06 Procédé et installation pour la liquidation de transactions de paiement par carte au moyen d'un module qui remplace toutes les cartes de paiement et/ou de crédit d'un utilisateur

Country Status (2)

Country Link
EP (1) EP2070061A1 (fr)
WO (1) WO2008028505A1 (fr)

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5590038A (en) * 1994-06-20 1996-12-31 Pitroda; Satyan G. Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions
US5859419A (en) * 1995-09-28 1999-01-12 Sol H. Wynn Programmable multiple company credit card system
WO2005052871A1 (fr) * 2003-11-26 2005-06-09 Acostada Castaneda Jose Manuel Systeme de calcul et carte universelle d'identification a usages multiples
US20050125343A1 (en) * 2003-12-03 2005-06-09 Mendelovich Isaac F. Method and apparatus for monetizing personal consumer profiles by aggregating a plurality of consumer credit card accounts into one card

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See references of WO2008028505A1 *

Also Published As

Publication number Publication date
WO2008028505A1 (fr) 2008-03-13

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