ITMI20031265A1 - Procedimento per la gestione del credito/debito memorizzato su supporti elettronici utilizzati per operazioni commerciali. - Google Patents

Procedimento per la gestione del credito/debito memorizzato su supporti elettronici utilizzati per operazioni commerciali.

Info

Publication number
ITMI20031265A1
ITMI20031265A1 IT001265A ITMI20031265A ITMI20031265A1 IT MI20031265 A1 ITMI20031265 A1 IT MI20031265A1 IT 001265 A IT001265 A IT 001265A IT MI20031265 A ITMI20031265 A IT MI20031265A IT MI20031265 A1 ITMI20031265 A1 IT MI20031265A1
Authority
IT
Italy
Prior art keywords
credit
procedure
commercial operations
supports used
electronic supports
Prior art date
Application number
IT001265A
Other languages
English (en)
Inventor
Maurizio Denna
Alessandro Ratti
Original Assignee
Vesiel S P A
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 Vesiel S P A filed Critical Vesiel S P A
Priority to IT001265A priority Critical patent/ITMI20031265A1/it
Publication of ITMI20031265A0 publication Critical patent/ITMI20031265A0/it
Priority to EP20040011662 priority patent/EP1492067A1/en
Publication of ITMI20031265A1 publication Critical patent/ITMI20031265A1/it

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
    • G07F7/10—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 together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • 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
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • 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
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4093—Monitoring of device authentication
    • 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

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)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
IT001265A 2003-06-23 2003-06-23 Procedimento per la gestione del credito/debito memorizzato su supporti elettronici utilizzati per operazioni commerciali. ITMI20031265A1 (it)

Priority Applications (2)

Application Number Priority Date Filing Date Title
IT001265A ITMI20031265A1 (it) 2003-06-23 2003-06-23 Procedimento per la gestione del credito/debito memorizzato su supporti elettronici utilizzati per operazioni commerciali.
EP20040011662 EP1492067A1 (en) 2003-06-23 2004-05-17 Method for managing credit/debit stored on electronic media used for commercial operations

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
IT001265A ITMI20031265A1 (it) 2003-06-23 2003-06-23 Procedimento per la gestione del credito/debito memorizzato su supporti elettronici utilizzati per operazioni commerciali.

Publications (2)

Publication Number Publication Date
ITMI20031265A0 ITMI20031265A0 (it) 2003-06-23
ITMI20031265A1 true ITMI20031265A1 (it) 2004-12-24

Family

ID=30131268

Family Applications (1)

Application Number Title Priority Date Filing Date
IT001265A ITMI20031265A1 (it) 2003-06-23 2003-06-23 Procedimento per la gestione del credito/debito memorizzato su supporti elettronici utilizzati per operazioni commerciali.

Country Status (2)

Country Link
EP (1) EP1492067A1 (it)
IT (1) ITMI20031265A1 (it)

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP3184196B2 (ja) * 1989-09-06 2001-07-09 株式会社富士通総研 電子財布システム
US5557516A (en) * 1994-02-04 1996-09-17 Mastercard International System and method for conducting cashless transactions
FR2762118B1 (fr) * 1997-04-11 1999-07-16 Gemplus Card Int Procedure securisee de controle de transfert d'unites de valeur dans un systeme de jeu a carte a puce
CA2273309A1 (en) * 1998-06-01 1999-12-01 Harvey S. Gitlin Cashless vending system with logging of user card balances
JP2001222740A (ja) * 2000-02-09 2001-08-17 Sony Corp 電子マネーシステム及び電子マネー端末装置

Also Published As

Publication number Publication date
EP1492067A1 (en) 2004-12-29
ITMI20031265A0 (it) 2003-06-23

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