FI88222B - ELEKTRONISKT BEHANDLINGSFOERFARANDE FOER KONTANTA MEDEL ELLER ANDRA DATA SOM SKALL SKYDDAS - Google Patents

Description

Electronic method of processing cash or other protected data.

The present invention relates to an electronic method of processing cash or other secure data, in which the data is transmitted via a smart card with an electronically programmable memory or the like,

Current known cash-equivalent payment methods are 10 coins, banknotes, checks, bankers' drafts or other documents entitling the holder to a payment. Banking or postal transfer systems as well as debit and credit card methods are also known as payment methods in many countries.

Prepaid cards for automatic financial devices are also well known.

The most advanced and flexible means of payment would be cards containing cash in electronic form, ie smartcards, ic-cards. The technology for this type of card is already in place, but no single wallet system classified as a general 20 payment system is yet in use in any country. Weaknesses and barriers to the introduction of electronic wallet systems have been seen in e.g. the following problems: - with current cards, payment with a smart card is only possible with the equipment of the organization providing the service, e.g. a payment terminal.

- inadequate security solutions. If the card is lost or stolen, the cardholder will also lose the purchasing power loaded on it '.'30 - limited infrastructure - there are too few payment points and payment from private to private is not possible - lack of information for the payer. Purchasing power should be as easy to check as money in your wallet.

: 35 The object of the present invention is to provide a solution for 2 Q O 9 '* O u c.

improvement in the above disadvantages. To achieve this effect, the method according to the invention is characterized in that the transfer of funds or data to / from the smart card is registered by a separate actuator connected to and communicating with each smart card, in which information on transfers of funds or data through the smart card is stored.

The system according to the invention for electronically processing cash 10 or other data to be protected based on a smart card with an electronically programmable memory or the like is characterized in that the system consists of a smart card and its own paired actuator into which the smart card can be inserted for electronic money or data transfer. between the actuator.

A preferred embodiment of the system according to the invention is characterized in that the logic of the smart card and the associated actuator is substantially similar, so that the logic part of the actuator consists essentially of a duplicate of the smart card.

The main advantage of the invention is a safer and easier-to-use payment procedure than cash for both payers and payees. It can also be considered an advantage of the invention that it can be expected to become more widespread quickly, as shops do not have to change their cash register systems.

The invention will now be described in detail by way of example with reference to the accompanying drawings, in which Figure 1 schematically shows a smart card reader used in the invention on a 1: 1 scale, Figure 2 shows the basic parts of a system according to the invention, top view shows Figure 2 parts. Fig. 4 schematically shows the registration of a smart card.

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The invention thus relates to an electronic cash payment method and system in which a card with its own logic or the like is used. Usually these 5 cards are called smart cards or smart cards. The English designations are Smart Card, IC Card and Chip Card. The card can be used as a means of cash payment because it contains up-to-date and cash information of the holder, which can be maintained in the event of receipt of a payment or payment. The provider of this type of payment and money transmission service is usually an organization that works closely with banks and possibly also credit card companies, taking advantage of their distribution network.

15 Money can be loaded and unloaded at ATMs equipped with a smart card reader and programmed with the functions required for electronic money processing. The bank's workstations and data transfer services can also be equipped with electronic money processing programs. Joining the bank's account system can also be arranged, e.g. through telebank connections.

A prerequisite for using a smart card in an ATM is that the cardholder has a bank account and card activated for ATM use. The bank card information and 25 personal identification numbers (PINs) are stored in the security area of the smart card when the smart card is handed over. Of course, the smart card can also act as a debit card.

The electronic cash handling system according to the invention thus comprises, in addition to the smart card 4, an actuator 6 of its own pair, into which the smart card can be inserted, as shown in Figures 2 and 3, for electronic money transfer. Actuator 6 includes display screen 1, numeric keypad 2, and actuator function key -35 keyboard 3. In addition, the actuator has a replaceable 4 ΓΟΟ '' ·)) battery and a diary and clock required for maintenance. Thus, an actuator that looks and is the size of a calculator can be used to read a smart card, give it payment and payment receipt commands, and perform other functions, such as calculator and memory functions.

According to Figures 2 and 3, the main part of the logic of the actuator 6 consists essentially of a duplicate 5 of the smart card 4, whereby a complete copy of the data of the smart card can be easily stored in the logic of the actuator. Action-10 device 6 and the associated smart card 4 function in pairs so that, for example, payment is only possible when both are in use. The consequence of this is that if the other part of the pair disappears, the service provider can transfer the purchasing power from the stored pair back to the customer's account and amortise the odd side. For this reason, the card 4 is not stored permanently in the actuator 6, but separately, e.g. in a wallet, like a regular debit or credit card.

The smart card 4 is an actual operating card, which can be used to manage connections to the service provider's network, 20 when downloading and unloading funds, and when paying to other actuators. The smart card 5, in turn, is fixed inside the actuator. Cards 4 and 5 communicate with each other via readers 4a and 5a. The data transfer between the cards is encrypted. External connections can also be made via the serial communication port 7 of the actuator.

Figure 4 shows diagrammatically the registers in the memory of the smart cards 4 and 5 used for transferring funds. Various payment and transfer operations will now be described with reference to this figure and, if necessary, with reference to Figures 1-3.

Cash withdrawal from the machine

The customer enters his smart card and the associated pin (Personal Identification Number) number into the machine. 35 The machine reads the smart card 4 (Fig. 4) o O O '' ·; in a known manner.

O ’<- Z. <_ _ from the security area debit card information from register 9a, and perform a withdrawal as when withdrawing cash. Instead of handing over the banknotes, the machine transfers the amount to the "activated transfer" field 10a in the security area of the smart card 4.

5 The machine makes a bank transfer, in which the customer's account is debited and the electronic money transfer account (tied account) managed by the service provider is credited. When the smart card is then inserted into the actuator 6, the smart card 5 first identifies the surface and other identification data stored in the fields 9a and 9b of the card 4 as a separate pair of the card 4. Similarly, the balance data in registers 11a and 11b are compared. The smart card 5 then reads field 10a and states that it has an activated amount of money. The sum information is copied to the field 10b on the card 5. The sums in the fields 10a and 10b are then added to the balance fields 11a and 11b, and it is checked that the balances of both cards are consistent. If so, the transfer is accepted and the balance of any transaction notes is updated and fields 10a, 10b are reset.

The transaction memo 20 The smart card 4 and the associated account can thus be in any bank belonging to the ATM network. An "normal" event leaves the automatic (ATM) network. It does not matter to the accounting bank whether banknotes have been withdrawn or money has been loaded on the card. The accountant-25 bank acts on the bank clearing and other relationship as if the cash had been withdrawn.

If desired, the smart card customer can select the transaction log function in their cash handling system. The function resembles a counter-book, ie it records every 30 events. Transaction information includes, for example, time, explanatory text and the amount of money. The event memo can be current, showing e.g. the last 50 events, or it can be transferred to another system for unpacking. It is also possible to print an event memo with an ATM printer.

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Payment

The smart card 4 is inserted in the card slot of the actuator 6 and the amount of payment is entered. For a payment order, the smart card pin number must be entered. The payment is then activated in field 10a of the card 4, which means that the balance of both the smart card 4 and the actuator 6 has been deducted and that the amount can now be transferred to the beneficiary's actuator. The transfer can also take place via a data transfer connection by connecting the actuator via serial port 7 to a computer with 10 data transfer programs.

Receipt of payment

The smart card 4, in which the amount to be transferred is activated, is given to the payee, who enters it into his own actuator 6. The payee can now, with a simple command 15, transfer the amount to his own actuator. In addition to the transfer of the amount, the payer's name appears on the payer's card and the payer's name on the payee's actuator. This information is used to maintain an event log, if one has been defined by the user on his actuator.

20 Payment cancellation

If the payment is to be canceled before the payment is transferred to the payee, the activated amount can be withdrawn by inserting the card 4 back into its own actuator 6 and acting in the same way as when receiving the payment from a foreign card. 25 If the payment was already transferred to the payee's device, the normal payment procedure will be followed.

Transfer from the card to your own account The balance can be transferred from the smart card 4 to your own account by entering the amount to be transferred to the actuator 6 and issuing a transfer order. The operation corresponds to the payment routine. Once the amount to be transferred is activated, the card is inserted into the ATM, the "transfer to account" function is selected. The machine makes a bank transfer transaction transaction in the bank's payment intermediation system, in which the electronic money intermediation account 35 is debited and the bank defined in the security area of the smart card is credited 7 c> ο λ; ‘V. c C. · _ with putty. Dismantling to a bank account can also be done as a data transfer.

National handicapping

The advantage of the service provider and the bank for cash transactions via smart cards 5 is that the transfers of funds from the business card customers take place through intermediary accounts with the service provider's banks, which thus accumulate on average the bank's available capital (float). Settlement clearing refers to the daily receipt of brokerage accounts by a service provider in different banks in the same country. The clearing clearing program on the bank's central device writes a payment order (check) from the service provider's account in each payer's bank to the service provider's account at the redemption bank (statistical bank) and clears it like normal customer checks according to the policy of each country and bank.

Payment in foreign currency In order to pay in foreign currency, the payer must withdraw from the ATM in 20 foreign countries. country currency to its actuator. Withdrawals are only possible at those banks and ATMs where the payer's debit card can be used. · Withdraw cash. In this way, the withdrawal is directed to the payer's account as in the case of a cash currency withdrawal. In order to avoid 25 national equalization clearings in respect of foreign exchange purchases, the service provider's account will be credited only together. in the bank of the country. All the items in question will therefore be redeemed from this account. payments in the currency of the country. With the exception of currency conversion, the operating principles are the same as for loading-30 domestic money.

safety procedures

Safety is the cornerstone of all actuator operations. The issue is just as serious as the fact that banknotes must be difficult to counterfeit. The security of the actuator is based on the physical and logical security features of the smart cards on the one hand, and on the possibility for the service provider to control the status of the smart cards in the distribution network by automatic (and secret) checks.

5 All messaging between different units is encrypted by private algorithms controlled only by the service provider.

The same system described above can be used, for example, for access control or for the storage and disclosure of personal data (received and official data). In this case, for example in access control, it is easy to verify a person's identity and right of access with the help of actuators carried by the guards.

It will be apparent to those skilled in the art that the various embodiments of the invention are not limited to the examples set forth above, but may vary within the scope of the claims below.

Claims (7)

1. A method for electronic processing of means of payment, wherein the processing is carried out by means of a function card (4) provided with a programmable memory or equivalent and one with this communicating function device (6), characterized in that or from the function card (4), cash is transferred in connection with collection and payment transactions, such that each transfer of cash to or from the function card (4) is registered by means of a tili as a separate pair of functional device (6), and that in the function device (6) stores data about the cash funds that are willing via the function card (4). 15 2. A method according to claim 1, characterized in that, for the transfer of cash, the function card (4) is pushed into its own functional device (6), a charging area (10a) in the memory of the functional card (4) is activated by means of the function device for transferring the cash. relief of the cash to be transferred, functional:. the card is removed from the operating device and inserted into a bank ATM or equivalent system or into a functional device (6) which attaches to the cash card recipient's functional card, and the transfer of cash to the recipient is realized. 3. A method according to claim 1 or 2, characterized in that, when cash is lifted from a bank or equivalent, the function card (4) is inserted into a bank ATM or a corresponding system, whereby the ATM leaves a desired the cash amount to the charge area (10a) in the function card memory. 4. A method according to claim 2 or 3, characterized in that, after each transfer transaction, the function card (4) is inserted into its own function device (6) for updating balance data and for zeroing of the charging area (10a). 5. Electronic processing system for payment means based on an electronically programmable memory card (4) or its equivalent and a communication device (6) characterized by this, characterized in that the function card (4) ) is inserted into the functional device (6), which acts as its own pair, each transfer of cash to or from the functional card (4) is recorded in the functional device (6), and in this data regarding collection and payment transactions carried out with cash on the function card (4). 6. A system according to claim 5, characterized in that the logic of the function card (4) and the associated function device (6) are substantially similar, so that a copy can be stored by the card (4) data in the function device. (6). 7. A system according to claim 6, characterized in that the logic part of the functional device (6) consists essentially of a duplicate (5) of the functional card (4).