ES2142331T3 - Metodo de transferencia de sumas de dinero hacia o desde tarjetas electronicas. - Google Patents

Metodo de transferencia de sumas de dinero hacia o desde tarjetas electronicas.

Info

Publication number
ES2142331T3
ES2142331T3 ES93250344T ES93250344T ES2142331T3 ES 2142331 T3 ES2142331 T3 ES 2142331T3 ES 93250344 T ES93250344 T ES 93250344T ES 93250344 T ES93250344 T ES 93250344T ES 2142331 T3 ES2142331 T3 ES 2142331T3
Authority
ES
Spain
Prior art keywords
exchange
debiting
crediting
smart card
money
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.)
Expired - Lifetime
Application number
ES93250344T
Other languages
English (en)
Inventor
Reinhard Endler
Reinhard Westphal
Siegfried Hartleif
Herbert Niehaus
Peter Schafer
Detlev Mergemeier
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.)
GAD GES fur AUTOMATISCHE DATEN
ORGA DATENTECH GmbH
Deutsche Bundespost Telekom
International Business Machines Corp
Original Assignee
GAD GES fur AUTOMATISCHE DATEN
ORGA DATENTECH GmbH
Deutsche Bundespost Telekom
International Business Machines Corp
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 GAD GES fur AUTOMATISCHE DATEN, ORGA DATENTECH GmbH, Deutsche Bundespost Telekom, International Business Machines Corp filed Critical GAD GES fur AUTOMATISCHE DATEN
Application granted granted Critical
Publication of ES2142331T3 publication Critical patent/ES2142331T3/es
Anticipated expiration legal-status Critical
Expired - Lifetime 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
    • G07F7/0866—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
    • G06Q20/34—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
    • G06Q20/3572—Multiple accounts on card
    • 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

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Vending Machines For Individual Products (AREA)
  • Devices For Checking Fares Or Tickets At Control Points (AREA)

Abstract

2.1.CIONES DE BOLSA DE CREDITOS Y DE DEBITOS TRABAJAN INDEPENDIENTES MAS DE OTRAS. LA SOLUCION CON ARREGLO A LA INVENCION SIRVE DE BASE PARA LA MISION DE REUNIR LA VENTAJA DE LA BOLSA DE CREDITOS CON LA VENTAJA DE LA BOLSA DE DEBITOS. CON ARREGLO A LA INVENCION PLAZAS ALMACENADORAS TRANSFERIDAS EN UN TARJETA CHIP SE DISTRIBUYEN EN UNA PLAZA ALMACENADORA PARA FUNCIONES DE BOLSAS DE CREDITOS Y POR TANTO UNA PLAZA ALMACENADORA PARA FUNCIONES DE BOLSA DE DEBITOS. PARA EL PROGRAMA DE APLICACION DE LA TARJETA CHIP EN UNION CON EL PROGRAMA DE UN SISTEMA DE AUTORIZACION SE TRANSFIERE DE UNA VEZ O EN VARIAS VECES REQUERIDAS UNA CANTIDAD MONETARIA ASENTADA EN EL LIBRO DE LA BOLSA DE CREDITOS A LA BOLSA DE DEBITOS. A TRAVES DE LA SOLUCION CON ARREGLO A LA INVENCION EL USUARIO DE SERVICIO EN POSICION MEDIANTE SOLAMENTE UNA TARJETA CHIP MULTIFUNCIONAL RELLENA EN TODO MOMENTO LA BOLSA DE DEBITOS DE LA TARJETA CHIP CON EL CREDITO CONTINUADO EN EL MARCO DE LA BOLSA DE CREDITOS.
ES93250344T 1992-12-23 1993-12-13 Metodo de transferencia de sumas de dinero hacia o desde tarjetas electronicas. Expired - Lifetime ES2142331T3 (es)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
DE4243851A DE4243851A1 (de) 1992-12-23 1992-12-23 Verfahren zum Transferieren von Buchgeldbeträgen auf und von Chipkarten

Publications (1)

Publication Number Publication Date
ES2142331T3 true ES2142331T3 (es) 2000-04-16

Family

ID=6476401

Family Applications (1)

Application Number Title Priority Date Filing Date
ES93250344T Expired - Lifetime ES2142331T3 (es) 1992-12-23 1993-12-13 Metodo de transferencia de sumas de dinero hacia o desde tarjetas electronicas.

Country Status (4)

Country Link
EP (1) EP0605070B1 (es)
AT (1) ATE185213T1 (es)
DE (2) DE4243851A1 (es)
ES (1) ES2142331T3 (es)

Families Citing this family (30)

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Publication number Priority date Publication date Assignee Title
DE4333388A1 (de) * 1993-09-30 1995-04-06 Giesecke & Devrient Gmbh System zur Durchführung von Transaktionen mit einer Multifunktionskarte mit elektronischer Börse
DE4441038A1 (de) * 1994-11-18 1996-05-23 Deutsche Telekom Ag Verfahren zum Erwerb und Speichern von Berechtigungen mit Hilfe von Chipkarten
DE19545705C2 (de) * 1995-12-07 2002-11-21 Deutsche Telekom Ag Verfahren und Vorrichtung zur Zahlung aus Chipkarten mit Börsenfunktion
DE19548581C2 (de) * 1995-12-28 2003-02-27 Deutsche Telekom Ag Verfahren zum Abrechnen elektronischer Geldbörsensysteme auf Chipkarten
EP0784301B1 (de) * 1996-01-08 2002-10-16 Jürgen Dethloff Verfahren und System zum Bezahlen von Leistungen sowie tragbarer Datenträger für ein derartiges System
DE19604691A1 (de) * 1996-02-09 1997-08-14 Sel Alcatel Ag Chip-Karte, Verfahren und System zur Nutzung von kostenpflichtigen Diensten
DE19604876C1 (de) * 1996-02-10 1997-09-04 Deutsche Telekom Ag Verfahren zur Transaktionskontrolle elektronischer Geldbörsensysteme
DE19609232C2 (de) * 1996-03-09 2001-07-12 Deutsche Telekom Ag Verfahren und Vorrichtung zum universellen und gesicherten Zugang zu angebotenen Multimediadiensten über das Telefonnetz
DE19611632A1 (de) * 1996-03-25 1997-10-02 Deutsche Telekom Ag Off-Line-Datenstationen mit virtueller On-Line-Fähigkeit
DE19615303A1 (de) * 1996-04-18 1997-10-23 Deutsche Telekom Ag Verfahren und Vorrichtung zur Zahlung aus Chipkarten mit Börsenfunktion
DE19618471C2 (de) * 1996-05-08 1998-06-04 Deutsche Telekom Ag Verfahren zum Transferieren von Geldbeträgen zwischen überschreibbaren Speichern einer Chipkarte
DE19622533A1 (de) 1996-06-05 1997-12-11 Deutsche Telekom Ag Verfahren und Vorrichtung zum Laden von Inputdaten in einen Algorithmus bei der Authentikation
AT405468B (de) 1996-12-02 1999-08-25 Ulrich Ewald Ing Vorrichtung zum thermischen einbringen von informationen und informationsträger
US5991748A (en) * 1996-12-06 1999-11-23 American Express Travel Related Services Company, Inc. Methods and apparatus for regenerating a prepaid transaction account
DE19714259C2 (de) * 1997-04-08 2000-08-31 Angewandte Digital Elektronik Verfahren zum Nutzen von Werten als elektronische Speichereinheiten in Chipkarten
JPH11110461A (ja) * 1997-10-01 1999-04-23 Fujitsu Ltd 二重財布を有する電子財布システム、その電子財布システムに適用されるｉｃカード、二重財布を有するｉｃカード取引装置、二重財布を有するｉｃカード取引システムおよびそのｉｃカード取引システムに適用されるｉｃカード
WO1999019843A2 (de) 1997-10-15 1999-04-22 Angewandte Digital Elektronik Gmbh Verfahren zur nutzung von speichereinheiten von chipkarten
JP3483441B2 (ja) * 1997-10-16 2004-01-06 富士通株式会社 電子マネーの管理所有装置および管理所有方法
US6038552A (en) * 1997-12-10 2000-03-14 The Chase Manhattan Bank Method and apparatus to process combined credit and debit card transactions
EP0963097A1 (de) * 1998-06-05 1999-12-08 Siemens Aktiengesellschaft Kommunikationsendgerät zur wahlweisen Aufnahme und Auswertung von Wertkarten oder Münzen
FR2782435B1 (fr) * 1998-08-13 2000-09-15 Bull Cp8 Procede de communication entre une station d'utilisateur et un reseau, notamment de type internet, et architecture de mise en oeuvre
US6359270B1 (en) * 1998-09-04 2002-03-19 Ncr Corporation Communications module mounting for domestic appliance
CA2347460C (en) * 1998-10-13 2009-12-29 Mordechai Teicher Processing system and method for a heterogeneous electronic cash environment
HRP980597A2 (en) * 1998-11-18 2001-06-30 Lada Sokota Multifunctional bank card
DE19860203A1 (de) 1998-12-24 2000-06-29 Deutsche Telekom Ag Verfahren für die sichere Handhabung von Geld- oder Werteeinheiten mit vorausbezahlten Datenträgern
DE20003157U1 (de) 2000-02-22 2000-07-06 ISH electronic GmbH, 30916 Isernhagen Selbstbedienungs-Münzzähler
DE10048642A1 (de) * 2000-09-22 2002-06-20 Deutsche Telekom Ag Elektronisches Zahlungssystem mit hoher Sicherheit
WO2002101664A2 (de) * 2001-06-12 2002-12-19 Siemens Aktiengesellschaft Einrichtungen und methoden zur aufbuchung für eine elektronische wertkarte mit positionsbestimmung für duales gps-basiertes mautsystem
DE10148468A1 (de) * 2001-10-01 2003-04-24 Siemens Ag Verfahren für elektronischen Austausch von Werten und serverbasierte Vorrichtung zur Durchführung des Verfahrens
IES20020712A2 (en) * 2002-09-04 2004-03-10 Mainline Corporate Holdings A method and system for transferring funds

Family Cites Families (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2304965A2 (fr) * 1974-03-25 1976-10-15 Innovation Ste Int Procede et dispositif de commande electronique
ATE93078T1 (de) * 1984-04-03 1993-08-15 Omron Tateisi Electronics Co Finanzielle transaktionen verarbeitendes system, das eine karte mit integrierten schaltkreisen verwendet.
DE3412663A1 (de) * 1984-04-04 1985-10-17 Siemens AG, 1000 Berlin und 8000 München Chipkartensystem
IL75702A0 (en) * 1984-07-27 1985-11-29 Technion Res & Dev Foundation Apparatus for effecting and recording monetary transactions
JPS6332658A (ja) * 1986-07-28 1988-02-12 Casio Comput Co Ltd Ｉｃカ−ドシステム
US4859837A (en) * 1987-03-23 1989-08-22 Halpern John Wolfgang Portable data carrier incorporating manually presettable processing modes
JP2595314B2 (ja) * 1988-06-30 1997-04-02 三菱電機株式会社 誤書き込み防止機能を備えたｉｃカ―ド
WO1990015382A1 (en) * 1989-05-31 1990-12-13 Datacard Corporation Microcomputer debit card
DE4013147A1 (de) * 1990-04-25 1991-10-31 Schreiber Hans Verfahren und vorrichtung zum betanken von kraftfahrzeugen mittels elektronisch lesbarer abbuchvorrichtung
DE4119924C3 (de) * 1991-06-17 1996-06-20 Siemens Ag Verfahren zur Sicherung von ladbaren Guthaben in Chipkarten
DE4218923A1 (de) * 1992-06-10 1992-10-22 Haiss Ulrich Wertkarte mit elektronik-wert-chip

Also Published As

Publication number Publication date
ATE185213T1 (de) 1999-10-15
EP0605070A3 (de) 1995-02-08
EP0605070A2 (de) 1994-07-06
EP0605070B1 (de) 1999-09-29
DE4243851A1 (de) 1994-06-30
DE59309806D1 (de) 1999-11-04

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