FR2739322A1 - Network payment card esp. for Internet payment - Google Patents
Network payment card esp. for Internet payment Download PDFInfo
- 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
Links
Classifications
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- 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
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- 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
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- 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"
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- 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
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)
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)
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 |
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 |
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 |
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)
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 |
-
1995
- 1995-12-19 FR FR9515032A patent/FR2739322A1/en active Pending
Patent Citations (2)
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)
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 |
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 |
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 |
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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