FR2739322A1 - Network payment card esp. for Internet payment - Google Patents

Network payment card esp. for Internet payment Download PDF

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Publication number
FR2739322A1
FR2739322A1 FR9515032A FR9515032A FR2739322A1 FR 2739322 A1 FR2739322 A1 FR 2739322A1 FR 9515032 A FR9515032 A FR 9515032A FR 9515032 A FR9515032 A FR 9515032A FR 2739322 A1 FR2739322 A1 FR 2739322A1
Authority
FR
France
Prior art keywords
payment
sub
card
discovered
internet
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.)
Pending
Application number
FR9515032A
Other languages
French (fr)
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
Priority to FR9515032A priority Critical patent/FR2739322A1/en
Publication of FR2739322A1 publication Critical patent/FR2739322A1/en
Priority to FR9706061A priority patent/FR2747962A1/en
Pending 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
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • B—PERFORMING OPERATIONS; TRANSPORTING
    • B42—BOOKBINDING; ALBUMS; FILES; SPECIAL PRINTED MATTER
    • B42D—BOOKS; BOOK COVERS; LOOSE LEAVES; PRINTED MATTER CHARACTERISED BY IDENTIFICATION OR SECURITY FEATURES; PRINTED MATTER OF SPECIAL FORMAT OR STYLE NOT OTHERWISE PROVIDED FOR; DEVICES FOR USE THEREWITH AND NOT OTHERWISE PROVIDED FOR; MOVABLE-STRIP WRITING OR READING APPARATUS
    • B42D25/00—Information-bearing cards or sheet-like structures characterised by identification or security features; Manufacture thereof
    • B42D25/20—Information-bearing cards or sheet-like structures characterised by identification or security features; Manufacture thereof characterised by a particular use or purpose
    • B42D25/29—Securities; Bank notes
    • 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
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • 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
    • G06Q20/343—Cards including a counter
    • G06Q20/3437—Cards including a counter the counter having non-monetary units, e.g. trips

Landscapes

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

Abstract

The card has a serial number which is used for identification. The sale cost of the card (2) and the amount payable (1) are displayed. A number of square areas within the card (7) cover hidden codes. Above each square area is a monetary value (6) which is associated with that code. When the covered area is scratched, the monetary value can be read off. A covered area (4) is also used which contains hidden control numbers.

Description

La présente invention concerne un titre de paiement sur réseaux et en particulier le réseau Internet.The present invention relates to a payment voucher on networks and in particular the Internet.

Le paiement est actuellement effectué à travers les réseaux et en particulier le réseau Internet en communiquant son numéro de carte de crédit. Or, ce numéro ou tout autre mot de passe permanent peut être piraté.Payment is currently made through networks and in particular the Internet by communicating their credit card number. However, this number or any other permanent password can be hacked.

Le titre de paiement selon l'invention permet de remédier à cet inconvénient.The payment order according to the invention overcomes this drawback.

Chaque titre de paiement est unique, son support en carton par exemple, est de format rectangulaire type carte de crédit.Each payment document is unique, its cardboard support, for example, is rectangular, such as a credit card.

C'est un titre de paiement dont la valeur est diminuée à chaque transaction.It is a payment instrument whose value is reduced with each transaction.

I1 comporte un numéro de série apparent à saisir par l'acheteur à travers les réseaux et en particulier le réseau Internet pour une première identification. I1 has an apparent serial number to be entered by the buyer through networks and in particular the Internet for a first identification.

Le titre de paiement est composé d'un ensemble de sous-montants(6) dont la somme constitue le montant total (1).The payment order is composed of a set of sub-amounts (6), the sum of which constitutes the total amount (1).

Chaque sous-montant (6) est apparent et lui est associé une case (7) sur laquelle est masqué un numéro de code qu'il faut gratter pour le lire.Each sub-amount (6) is visible and associated with it a box (7) on which is hidden a code number which must be scratched to read it.

Pour effectuer une transaction, il faut communiquer sur les réseaux et en particulier le réseau Internet le sous-montant (6) et le numéro de code associé (7).To carry out a transaction, it is necessary to communicate on the networks and in particular the Internet network the sub-amount (6) and the associated code number (7).

Chaque case grattée (7) rendant le numéro de code apparent auquel lui est associé un sous-montant (6) diminue de celui-ci la valeur du titre de paiement (l). Each scratched box (7) rendering the apparent code number with which a sub-amount (6) is associated with it decreases the value of the payment order (l) by this amount.

Le titre de paiement comprend d'autres zones recouvertes (4) sous lesquelles se trouvent masqués d'autres numéros pour contrôle.The payment order includes other covered areas (4) under which are hidden other numbers for checking.

Ces zones (4) peuvent être grattées à la demande du serveur ou du centre de traitement informatique pour sécuriser la transaction et s'assurer de l'authenticité du titre de paiement.These areas (4) can be scratched at the request of the server or the computer processing center to secure the transaction and ensure the authenticity of the payment order.

D'autres zones masquées (5) ne devront pas être grattées sous peine de rendre nul le titre de paiement notamment pour une demande de remboursement.Other hidden areas (5) must not be scratched, otherwise the payment voucher will be void, in particular for a reimbursement request.

En cas de non utilisation de la totalité des sous-montants le client peut être remboursé de la différence entre la somme totale du titre de paiement (1) et la somme des sous-montants grattés. If all of the sub-amounts are not used, the customer can be reimbursed for the difference between the total sum of the payment order (1) and the sum of the scraped sub-amounts.

Le montant du titre de paiement (1) apparait clairement.The amount of the payment order (1) is clearly visible.

Lorsque le prix de vente dudit titre (2) est différent, celui-ci apparait aussi sur le titre de paiement.When the sale price of said security (2) is different, it also appears on the payment security.

Les sous-montants (6) d'un même titre de paiement peuvent s'additionner. I1 faut, après avoir communiqué le numéro de série du titre de paiement (3) , saisir le numéro de code (7) de chaque sous-montant (6).The sub-amounts (6) of the same payment order can add up. After communicating the serial number of the payment document (3), you must enter the code number (7) for each sub-amount (6).

Les sous-montants de plusieurs titres de paiement peuvent s'additionner.The sub-amounts of several payment vouchers can add up.

Avec un ou plusieurs titres de paiement, l'acheteur de biens ou services à travers tout type de réseaux et en particulier le réseau Internet peut directement payer son ou ses achats ou alimenter un ou plusieurs comptes électroniques.With one or more payment vouchers, the buyer of goods or services through any type of network and in particular the Internet can directly pay for his or her purchases or supply one or more electronic accounts.

En cas d'incident, le titre de paiement est remboursé de la somme des sous-montants des cases non grattées majorée du sous-montant le plus élevé gratté figurant sur le titre de paiement. In the event of an incident, the payment voucher is reimbursed for the sum of the sub-amounts of the non-scratched boxes plus the highest scratched sub-amount appearing on the payment slip.

Claims (3)

REVENDICATIONS 1. Titre de paiement sur réseaux, en particulier le réseau Internent, comprenant un support rectangulaire plat portant un numéro de série (3) en tant que moyen d'identification, caractérisé en ce que ledit support comporte en outre la mention d'un certain nombre de sous-montants (6) dont la somme constitue la valeur (1) dudit titre de paiement, une case (7) étant associée à chacun des sous-montants (6) et cette case (7) portant un numéro de code masqué pouvant être découvert par grattage, la valeur dudit titre de paiement étant diminuée du ou de(s) sous-montant(s) associé(s) à la ou aux case(s) dont le numéro de code a été découvert par grattage. 1. Payment voucher on networks, in particular the Internet network, comprising a flat rectangular support bearing a serial number (3) as a means of identification, characterized in that said support also includes the mention of a certain number of sub-amounts (6) the sum of which constitutes the value (1) of said payment document, a box (7) being associated with each of the sub-amounts (6) and this box (7) bearing a masked code number can be discovered by scraping, the value of said payment voucher being reduced by the sub-amount (s) associated with the box (es) whose code number was discovered by scraping. 2. Titre de paiement selon la revendication 1, caractérisé en ce que ledit support comporte de plus des zones (4) pourvues chacune d'un numéro de contrôle masqué pouvant être découvert par grattage. 2. Payment document according to claim 1, characterized in that said support further comprises zones (4) each provided with a masked control number which can be discovered by scratching. 3. Titre de paiement selon la revendication 1 ou 2, caractérisé en ce que ledit support comporte également des zones masquées (5) qui, si elles sont découvertes, entachent de nullité le titre de paiement.  3. Payment document according to claim 1 or 2, characterized in that said support also comprises masked areas (5) which, if they are discovered, vitiate the payment document.
FR9515032A 1995-12-19 1995-12-19 Network payment card esp. for Internet payment Pending FR2739322A1 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
FR9515032A FR2739322A1 (en) 1995-12-19 1995-12-19 Network payment card esp. for Internet payment
FR9706061A FR2747962A1 (en) 1995-12-19 1997-05-16 Method of sending payment over computer networks particularly the internet

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
FR9515032A FR2739322A1 (en) 1995-12-19 1995-12-19 Network payment card esp. for Internet payment

Publications (1)

Publication Number Publication Date
FR2739322A1 true FR2739322A1 (en) 1997-04-04

Family

ID=9485631

Family Applications (1)

Application Number Title Priority Date Filing Date
FR9515032A Pending FR2739322A1 (en) 1995-12-19 1995-12-19 Network payment card esp. for Internet payment

Country Status (1)

Country Link
FR (1) FR2739322A1 (en)

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2796741A1 (en) * 1999-07-22 2001-01-26 Alexandre Rado Secure cheque payment method uses cheques pre-printed with monetary values selected by erasing adhesive masking from selected areas
FR2806192A1 (en) * 2000-03-13 2001-09-14 Guy Favreau Trustee instrument of gift-voucher type for use as a conventional gift voucher or for paying for goods over the Internet has an identifying zone that can be uncovered by scratching and then used to authenticate the voucher
FR2806190A1 (en) * 2000-03-13 2001-09-14 Guy Favreau Trustee instrument of gift-voucher type for use as a conventional gift voucher or for paying for goods over the Internet has an identifying zone that can be uncovered by scratching and then used to authenticate the voucher
GB2369915A (en) * 2000-12-11 2002-06-12 En Squared Ltd Public key encryption
EP1488936A1 (en) * 2003-06-10 2004-12-22 Nimax S.r.l. Making an article presenting a secret code hidden by a layer of opaque removable material
EP1717766A1 (en) * 2005-04-27 2006-11-02 Hewlett-Packard Development Company, L.P. Card kit, card system and validation method

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2665006A3 (en) * 1990-07-17 1992-01-24 Kourtchevsky Georges Measures proposed for protection against the fraudulent use of stolen or lost cheques or anonymous investments (treasury bills, etc.)
EP0519374A1 (en) * 1991-06-18 1992-12-23 MANTEGAZZA ANTONIO ARTI GRAFICHE S.r.l. Document, such as a check and the like, with forgery prevention means

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2665006A3 (en) * 1990-07-17 1992-01-24 Kourtchevsky Georges Measures proposed for protection against the fraudulent use of stolen or lost cheques or anonymous investments (treasury bills, etc.)
EP0519374A1 (en) * 1991-06-18 1992-12-23 MANTEGAZZA ANTONIO ARTI GRAFICHE S.r.l. Document, such as a check and the like, with forgery prevention means

Cited By (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2796741A1 (en) * 1999-07-22 2001-01-26 Alexandre Rado Secure cheque payment method uses cheques pre-printed with monetary values selected by erasing adhesive masking from selected areas
WO2001008109A1 (en) * 1999-07-22 2001-02-01 Alexandre Rado Secure payment system, enabling to select any amount
FR2806192A1 (en) * 2000-03-13 2001-09-14 Guy Favreau Trustee instrument of gift-voucher type for use as a conventional gift voucher or for paying for goods over the Internet has an identifying zone that can be uncovered by scratching and then used to authenticate the voucher
FR2806190A1 (en) * 2000-03-13 2001-09-14 Guy Favreau Trustee instrument of gift-voucher type for use as a conventional gift voucher or for paying for goods over the Internet has an identifying zone that can be uncovered by scratching and then used to authenticate the voucher
WO2001068381A1 (en) * 2000-03-13 2001-09-20 Guy Favreau Internet payment method and means
GB2369915A (en) * 2000-12-11 2002-06-12 En Squared Ltd Public key encryption
EP1488936A1 (en) * 2003-06-10 2004-12-22 Nimax S.r.l. Making an article presenting a secret code hidden by a layer of opaque removable material
US7287691B2 (en) 2003-06-10 2007-10-30 Nimax S.R.L. Method and machine for making an article presenting a secret code hidden by a layer of opaque removable material
EP1717766A1 (en) * 2005-04-27 2006-11-02 Hewlett-Packard Development Company, L.P. Card kit, card system and validation method

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