FR2749424A1 - PORTABLE ELECTRONIC TRANSACTION TERMINAL, IN PARTICULAR PORTABLE PAYMENT TERMINAL - Google Patents

PORTABLE ELECTRONIC TRANSACTION TERMINAL, IN PARTICULAR PORTABLE PAYMENT TERMINAL Download PDF

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Publication number
FR2749424A1
FR2749424A1 FR9606890A FR9606890A FR2749424A1 FR 2749424 A1 FR2749424 A1 FR 2749424A1 FR 9606890 A FR9606890 A FR 9606890A FR 9606890 A FR9606890 A FR 9606890A FR 2749424 A1 FR2749424 A1 FR 2749424A1
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FR
France
Prior art keywords
terminal
electronic transaction
portable
portable electronic
payment terminal
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.)
Granted
Application number
FR9606890A
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French (fr)
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FR2749424B1 (en
Inventor
Philippe Daury
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.)
Banks and Acquirers International Holding SAS
Original Assignee
CKD SA
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 CKD SA filed Critical CKD SA
Priority to FR9606890A priority Critical patent/FR2749424B1/en
Priority to PCT/FR1997/000992 priority patent/WO1997046986A1/en
Priority to EP97927237A priority patent/EP0951703A1/en
Publication of FR2749424A1 publication Critical patent/FR2749424A1/en
Application granted granted Critical
Publication of FR2749424B1 publication Critical patent/FR2749424B1/en
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

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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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • 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
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Signal Processing (AREA)
  • Telephone Function (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses a portable electronic transaction terminal, in particular a portable payment terminal, comprising a memory card reader (4, 5), a computer (8) for controlling the procedures for card control, user authentication and transaction with a remote server center, as well as remote linking means. The linking means comprise a cellular telephone circuit (7) incorporated in the said terminal housing (1), and the data acquisition means (3) as well as the display means (2) are common to the monetary function and to the telecommunication functions.

Description

TERMINAL DE TRANSACTION ELECTRONIQUE
PORTABLE, NOTAMMENT TERMINAL DE PAIEMENT
PORTABLE.ELECTRONIC TRANSACTION TERMINAL
PORTABLE, IN PARTICULAR TERMINAL OF PAYMENT
PORTABLE.

La présente invention concerne un terminal de transaction électronique portable, notamment terminal de paiement portable, comportant un lecteur de carte à mémoire, un calculateur pour commander les procédures de contrôle de la carte, d'authentification de lutilisateur et de transaction avec un centre serveur distant, ainsi que des moyens de liaison à distance. The present invention relates to a portable electronic transaction terminal, in particular a portable payment terminal, comprising a memory card reader, a computer for controlling the card control, user authentication and transaction procedures with a remote server center. as well as remote connection means.

On connaît dans l'état de la technique des terminaux comportant des moyens de liaison H.F. de faible portée permettant d'assurer la transmission des données entre le terminal et un relais local dédié relié au réseau téléphonique commuté. Un exemple d'un tel terminal est divulgué par la demande de brevet européen
EP484198. Dans ce document, on décrit des terminaux comportant, chacun, des moyens de saisie de données de transaction, une interface de communication sans fil avec un poste central distant et à initialisation électronique et des moyens agencés pour, en cours de transaction, communiquer avec le poste central. Ces terminaux permettent à certains professionnels et commerçants de ne pas exiger de leurs clients qu'ils se déplacent pour saisir leur code confidentiel. Cette solution consiste simplement remplacer la liaison filaire par une liaison à distance. Elle nécessite la mise en place d'une installation spéciale, et cantonne l'utilisation à une faible zone d'utilisation.In the state of the art, there are known terminals comprising short-range HF connection means making it possible to ensure the transmission of data between the terminal and a dedicated local relay connected to the switched telephone network. An example of such a terminal is disclosed by the European patent application
EP484198. In this document, terminals are described, each comprising means for capturing transaction data, a wireless communication interface with a remote central station and with electronic initialization, and means arranged for communicating with the user during the transaction. central station. These terminals allow certain professionals and merchants not to require their customers to move to enter their PIN. This solution simply replaces the wired link with a remote link. It requires the installation of a special installation, and limits the use to a small area of use.

On a également proposé d'exploiter la sortie numérique d'un téléphone cellulaire pour raccorder un équipement péri-informatique, par exemple par l'intermédiaire d'une carte PCMCIA. L'un des inconvénients de ces solutions est la consommation électrique globale préjudiciable pour un équipement à vocation portable. Un autre inconvénient important concerne la fiabilité et la facilité d'utilisation des équipements. Dans le cas d'équipements complémentaires, il est nécessaire de raccorder les deux appareillages par des cordons de liaison, ce qui introduit inévitablement un risque de déconnexion. Cela réduit aussi l'agrément d'utilisation, tant pour le transport que pour l'exploitation. It has also been proposed to use the digital output of a cellular telephone to connect peri-computing equipment, for example via a PCMCIA card. One of the disadvantages of these solutions is the overall power consumption that is detrimental to portable equipment. Another important drawback concerns the reliability and the ease of use of the equipment. In the case of additional equipment, it is necessary to connect the two devices by connecting cords, which inevitably introduces a risk of disconnection. It also reduces the usability for both transport and operation.

L'objet de la présente invention est de proposer un dispositif évitant cet inconvénient, et permettant par ailleurs de réduire le coût, le poids et l'encombrement, et d'améliorer l'ergonomie. L'invention vise en outre à améliorer l'ergonomie par une automatisation poussée de tâches et la possibilité de commander de manière programmée l'enchaînement interactif et automatique des fonctions monétiques et des fonctions télécommunications. The object of the present invention is to provide a device avoiding this disadvantage, and also to reduce the cost, weight and bulk, and improve ergonomics. The invention also aims to improve the ergonomics by extensive automation of tasks and the ability to programmatically control the interactive and automatic sequence of electronic money and telecommunications functions.

L'invention concerne à cet effet un terminal dans lequel les moyens de liaison sont constitués par un circuit de téléphonie cellulaire incorporé dans le boîtier dudit terminal, et dont les moyens de saisie de données ainsi que les moyens d'affichage sont communs aux fonctions monétiques et aux fonctions de télécommunication. To this end, the invention relates to a terminal in which the connection means are constituted by a cellular telephone circuit incorporated in the housing of said terminal, and whose data acquisition means and the display means are common to the electronic functions. and telecommunication functions.

Avantageusement, le terminal comporte un circuit gestionnaire d'écran recevant les signaux numériques provenant d'une part du circuit de téléphonie cellulaire et d'autre part du calculateur affecté à l'exécution des programmes de transactions. Advantageously, the terminal comprises a screen manager circuit receiving the digital signals coming from the cellular telephone circuit and from the computer assigned to the execution of the transaction programs.

De préférence, le terminal selon l'invention comporte une alimentation électrique commune pour l'ensemble des circuits. Preferably, the terminal according to the invention comprises a common power supply for all the circuits.

Selon un mode de réalisation avantageux, le terminal comporte un circuit de mémorisation contenant les informations relatives aux protocoles de transactions électroniques exécutés par le calculateur et les informations relatives à la connexion aux serveurs exploités par le circuit de téléphonie cellulaire. According to an advantageous embodiment, the terminal comprises a storage circuit containing the information relating to the electronic transaction protocols executed by the computer and the information relating to the connection to the servers operated by the cellular telephone circuit.

Selon une variante, le terminal comporte en outre un second lecteur de carte. According to one variant, the terminal furthermore comprises a second card reader.

L'invention sera mieux comprise à la lecture de la description qui suit, faisant référence aux figures annexées relatives à des exemples non limitatifs de réalisation où
- la figure 1 représente une vue schématique d'un terminal selon l'invention ;
- la figure 2 représente une vue d'un exemple de schéma de principe.The invention will be better understood on reading the description which follows, with reference to the appended figures relating to nonlimiting examples of embodiment in which
FIG. 1 represents a schematic view of a terminal according to the invention;
FIG. 2 represents a view of an example of a schematic diagram.

La figure 1 représente une vue schématique d'un terminal selon l'invention. I1 est composé par un boîtier unique (1) présentant un écran d'affichage (2) à cristaux liquides et un clavier numérique ou alphanumérique (3). Le boîtier présente deux fentes (4, 5) pour l'introduction de cartes à mémoire. Le boîtier est surmonté par une antenne (6). FIG. 1 represents a schematic view of a terminal according to the invention. I1 is composed of a single housing (1) having a display screen (2) liquid crystal and a numeric keypad or alphanumeric (3). The housing has two slots (4, 5) for the introduction of memory cards. The housing is surmounted by an antenna (6).

La figure 2 représente un schéma de principe d'un tel terminal. Le circuit électronique comporte un circuit de téléphonie cellulaire (7) de type connu et un calculateur (8) pour l'exécution des fonctions de transaction. Les deux circuits sont alimentés par une source d'électricité commune (9), par exemple une batterie Lithium Ion. Le circuit comprend en outre une mémoire commune (10) et un écran d'affichage (2) commun. Figure 2 shows a block diagram of such a terminal. The electronic circuit comprises a cellular circuit (7) of known type and a computer (8) for executing the transaction functions. Both circuits are powered by a common source of electricity (9), for example a Lithium Ion battery. The circuit further comprises a common memory (10) and a common display screen (2).

Le calculateur (8) est relié à deux lecteurs de cartes à mémoire (11, 12). The computer (8) is connected to two memory card readers (11, 12).

La mémoire (10) peut contenir les informations relatives au protocole de connexion à un serveur. L'utilisateur peut saisir les informations relatives à une transaction à l'aide du clavier (3).  The memory (10) may contain the information relating to the connection protocol to a server. The user can enter the information relating to a transaction using the keyboard (3).

Lorsque le protocole de transaction nécessite une liaison avec le serveur, le calculateur active la connexion par l'intermédiaire du circuit de téléphonie cellulaire (7) . Les données relatives à la connexion, par exemple le numéro de téléphone du serveur, sont mémorisés dans la mémoire (10). Les données reçues par le circuit de téléphonie cellulaire (7) sont transmises au calculateur (8) pour la poursuite de la transaction.When the transaction protocol requires a connection with the server, the computer activates the connection via the cellular telephone circuit (7). The data relating to the connection, for example the telephone number of the server, is stored in the memory (10). The data received by the cellular telephone circuit (7) is transmitted to the computer (8) for the continuation of the transaction.

Le deuxième lecteur peut servir à différents usages. Selon un mode d'exploitation, le second lecteur (12) est un lecteur destiné à recevoir la carte d'identification du dispositif auprès de l'opérateur de télécommunication. L'intégration des fonctions monétiques et télécommunication permet d'unifier les protocoles d'identification et d'autorisation de l'utilisateur et d'éviter tout risque d'erreur ou de fraude du fait de divergence entre l'identité de l'utilisateur telle que référencée auprès de l'opérateur de télécommunication, et l'identité de l'utilisateur telle que référencée auprès de l'organisme bancaire ou financier. The second reader can be used for different purposes. According to one mode of operation, the second reader (12) is a reader intended to receive the identification card of the device from the telecommunication operator. The integration of the electronic and telecommunications functions makes it possible to unify the identification and authorization protocols of the user and to avoid any risk of error or fraud due to divergence between the identity of the user as referenced to the telecommunication operator, and the identity of the user as referenced to the banking or financial institution.

Le deuxième lecteur (12) sert ainsi à personnaliser totalement le dispositif par l'utilisation d'une carte unique, propriété d'un utilisateur. The second reader (12) thus serves to fully customize the device by the use of a single card, property of a user.

Le deuxième lecteur peut également être destiné à recevoir des cartes telles que la carte "commerçant" pour des systèmes de paiement électronique, ou des cartes "médecin" pour des systèmes d'exploitation de la carte santé. The second reader may also be intended to receive cards such as the "merchant card" for electronic payment systems, or "doctor" cards for health card operating systems.

L'invention est décrite dans ce qui précède à titre d'exemple non limitatif.  The invention is described in the foregoing by way of non-limiting example.

Claims (6)

REVENDICATIONS 1 - Terminal de transaction électronique portable, notamment terminal de paiement portable, comportant un lecteur de carte à mémoire (4, 5), un calculateur (8) pour commander les procédures de contrôle de la carte, d'authentification de l'utilisateur et de transaction avec un centre serveur distant, ainsi que des moyens de liaison à distance, caractérisé en ce que les moyens de liaison sont constitués par une circuit de téléphonie cellulaire (7) incorporé dans le boîtier (1) dudit terminal, et en ce que les moyens de saisie de données (3) ainsi que les moyens d'affichage (2) sont communs aux fonctions monétiques et au fonctions de télécommunication. 1 - portable electronic transaction terminal, in particular portable payment terminal, comprising a memory card reader (4, 5), a computer (8) for controlling the card control procedures, user authentication and transaction system with a remote server center, as well as remote connection means, characterized in that the connection means are constituted by a cellular telephone circuit (7) incorporated in the housing (1) of said terminal, and in that the data acquisition means (3) as well as the display means (2) are common to the electronic functions and to the telecommunication functions. 2 - Terminal de transaction électronique portable, notamment terminal de paiement portable, selon la revendication 1 caractérisé en ce qu'il comporte un circuit gestionnaire d'écran recevant les signaux numériques provenant d'une part du circuit de téléphonie cellulaire (V > et d'autre part du calculateur (8) affecté à l'exécution des programmes de transactions. 2 - portable electronic transaction terminal, in particular portable payment terminal, according to claim 1 characterized in that it comprises a screen manager circuit receiving the digital signals from the one part of the cellphone circuit (V> and d the other hand of the calculator (8) assigned to the execution of the transaction programs. 3 - Terminal de transaction électronique portable, notamment terminal de paiement portable, selon la revendication 1 ou 2 caractérisé en ce qu'il comporte une alimentation électrique commune pour l'ensemble des circuits. 3 - portable electronic transaction terminal, including portable payment terminal, according to claim 1 or 2 characterized in that it comprises a common power supply for all the circuits. 4 - Terminal de transaction électronique portable, notamment terminal de paiement portable, selon lune quelconque des revendications précédentes caractérisé en ce qu'il comporte un circuit de mémorisation contenant les informations relatives aux protocoles de transactions électroniques exécutés par le calculateur (8) et les informations relatives à la connexion aux serveurs exploités par le circuit de téléphonie cellulaire (7).  4 - portable electronic transaction terminal, including portable payment terminal, according to any one of the preceding claims characterized in that it comprises a storage circuit containing the information relating to the electronic transaction protocols executed by the computer (8) and the information relating to the connection to the servers operated by the cellular telephone circuit (7). 5 - Terminal de transaction électronique portable, notamment terminal de paiement portable, selon l'une quelconque des revendications précédentes caractérisé en ce qu'il comporte en outre un second lecteur de carte (12). 5 - portable electronic transaction terminal, including portable payment terminal, according to any one of the preceding claims characterized in that it further comprises a second card reader (12). 6 - Terminal de transaction électronique portable, notamment terminal de paiement portable, selon l'une quelconque des revendications précédentes caractérisé en ce qu'il comporte en outre un lecteur de carte (12) destiné à recevoir une carte d'identification de l'utilisateur auprès de l'opérateur de télécommunication.  6 - portable electronic transaction terminal, including portable payment terminal, according to any one of the preceding claims characterized in that it further comprises a card reader (12) for receiving a user identification card from the telecommunication operator.
FR9606890A 1996-06-04 1996-06-04 PORTABLE ELECTRONIC TRANSACTION TERMINAL, ESPECIALLY PORTABLE PAYMENT TERMINAL Expired - Lifetime FR2749424B1 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
FR9606890A FR2749424B1 (en) 1996-06-04 1996-06-04 PORTABLE ELECTRONIC TRANSACTION TERMINAL, ESPECIALLY PORTABLE PAYMENT TERMINAL
PCT/FR1997/000992 WO1997046986A1 (en) 1996-06-04 1997-06-04 Portable electronic transaction terminal, in particular portable payment terminal
EP97927237A EP0951703A1 (en) 1996-06-04 1997-06-04 Portable electronic transaction terminal, in particular portable payment terminal

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
FR9606890A FR2749424B1 (en) 1996-06-04 1996-06-04 PORTABLE ELECTRONIC TRANSACTION TERMINAL, ESPECIALLY PORTABLE PAYMENT TERMINAL

Publications (2)

Publication Number Publication Date
FR2749424A1 true FR2749424A1 (en) 1997-12-05
FR2749424B1 FR2749424B1 (en) 1998-07-10

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FR9606890A Expired - Lifetime FR2749424B1 (en) 1996-06-04 1996-06-04 PORTABLE ELECTRONIC TRANSACTION TERMINAL, ESPECIALLY PORTABLE PAYMENT TERMINAL

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EP (1) EP0951703A1 (en)
FR (1) FR2749424B1 (en)
WO (1) WO1997046986A1 (en)

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EP0951703A1 (en) 1999-10-27
FR2749424B1 (en) 1998-07-10

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