NL9401406A - Betaalsysteem met verbeterde integriteit. - Google Patents

Betaalsysteem met verbeterde integriteit. Download PDF

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Publication number
NL9401406A
NL9401406A NL9401406A NL9401406A NL9401406A NL 9401406 A NL9401406 A NL 9401406A NL 9401406 A NL9401406 A NL 9401406A NL 9401406 A NL9401406 A NL 9401406A NL 9401406 A NL9401406 A NL 9401406A
Authority
NL
Netherlands
Prior art keywords
payment
character
balance
card
telephone
Prior art date
Application number
NL9401406A
Other languages
English (en)
Dutch (nl)
Inventor
Albertus Feiken
Original Assignee
Nederland Ptt
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 Nederland Ptt filed Critical Nederland Ptt
Priority to NL9401406A priority Critical patent/NL9401406A/nl
Priority to US08/519,253 priority patent/US5635695A/en
Priority to EP95202353A priority patent/EP0700023A1/de
Publication of NL9401406A publication Critical patent/NL9401406A/nl
Priority to US09/324,686 priority patent/USRE37067E1/en

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
    • G06Q20/30—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
    • 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
    • G07F7/0806—Details of the card
    • G07F7/0813—Specific details related to card security
    • G07F7/082—Features insuring the integrity of the data on or in the card
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/47—Fraud detection or prevention means
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/48—Secure or trusted billing, e.g. trusted elements or encryption
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/10—Account details or usage
    • H04M17/106—Account details or usage using commercial credit or debit cards
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • H04M17/204—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment on-line recharging, e.g. cashless
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M2017/14—Prepayment of wireline communication systems, wireless communication systems or telephone systems using commercial credit/debit cards, e.g. VISA, AMEX
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M2017/24—Prepayment of wireline communication systems, wireless communication systems or telephone systems with on-line recharging of an account or card, e.g. cashless
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0148—Fraud detection or prevention means
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0156—Secure and trusted billing, e.g. trusted elements, encryption, digital signature, codes or double check mechanisms to secure billing calculation and information

Landscapes

  • Engineering & Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Signal Processing (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Business, Economics & Management (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
NL9401406A 1994-08-31 1994-08-31 Betaalsysteem met verbeterde integriteit. NL9401406A (nl)

Priority Applications (4)

Application Number Priority Date Filing Date Title
NL9401406A NL9401406A (nl) 1994-08-31 1994-08-31 Betaalsysteem met verbeterde integriteit.
US08/519,253 US5635695A (en) 1994-08-31 1995-08-25 Chip card based payment system having an on-card flag for specifying proper completion of a prior card balance replenishment session
EP95202353A EP0700023A1 (de) 1994-08-31 1995-08-31 Bezahlungssystem mit verbesserter Integrität
US09/324,686 USRE37067E1 (en) 1994-08-31 1999-06-03 Chip card based payment system having an on-card flag for specifying proper completion of a prior card balance replenishment session

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
NL9401406A NL9401406A (nl) 1994-08-31 1994-08-31 Betaalsysteem met verbeterde integriteit.
NL9401406 1994-08-31

Publications (1)

Publication Number Publication Date
NL9401406A true NL9401406A (nl) 1996-04-01

Family

ID=19864587

Family Applications (1)

Application Number Title Priority Date Filing Date
NL9401406A NL9401406A (nl) 1994-08-31 1994-08-31 Betaalsysteem met verbeterde integriteit.

Country Status (3)

Country Link
US (2) US5635695A (de)
EP (1) EP0700023A1 (de)
NL (1) NL9401406A (de)

Families Citing this family (32)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
SE506506C2 (sv) * 1995-04-11 1997-12-22 Au System Elektronisk transaktionsterminal, telekommunikationssystem innefattande en elektronisk transaktionsterminal, smart kort som elektronisk transaktionsterminal samt metod för överföring av elektroniska krediter
NL1001659C2 (nl) * 1995-11-15 1997-05-21 Nederland Ptt Werkwijze voor het afwaarderen van een elektronisch betaalmiddel.
DE19600081C2 (de) * 1996-01-03 1999-11-18 Ibm Sicherung der Datenintegrität bei Datenträgerkarten
EP0798673A1 (de) * 1996-03-29 1997-10-01 Koninklijke KPN N.V. Verfahren zum gesicherten Laden von Steuerbefehlen in eine Chipkarte
NL1004658C2 (nl) * 1996-12-02 1998-06-03 Clewits Beheer B V R Systeem en werkwijze voor het selectief activeren van één of meer software- en/of hardwarefuncties van een elektronische inrichting.
FR2757661B1 (fr) * 1996-12-24 1999-01-22 Gemplus Card Int Procede de transfert securise de donnees par un reseau de communication
DE19748757A1 (de) * 1997-11-05 1999-05-06 Cit Alcatel Verfahren zur Übernahme von Gebühren in einzelnen Verbindungen sowie Telefonnetz und Endgerät
FR2777371B1 (fr) * 1998-04-09 2001-10-26 Innovatron Electronique Procede pour modifier de maniere indivisible une pluralite d'emplacements de la memoire non volatile d'une carte a microcircuit
FR2784483B1 (fr) * 1998-10-13 2000-12-29 Innovatron Electronique Procede d'echange de donnees entre un automate et un objet portatif, notamment une carte a microcircuit, susceptible d'etre debite par l'automate en contrepartie de la delivrance d'un bien ou d'un service
EP1237112A4 (de) * 1999-08-23 2006-05-17 Li Dongsheng Verfahren zum ausführen sicherer transaktionen in einem elektronischen sparbuch
FR2803071B1 (fr) * 1999-12-23 2002-11-22 Sagem Terminal de paiement par carte a puce
JP2002123806A (ja) * 2000-10-17 2002-04-26 Fujitsu Ltd Ｉｃカード、データ更新制御方法、データ／メッセージ復元制御方法、および制御プログラムを記録した記録媒体
JP2002251524A (ja) * 2001-02-23 2002-09-06 Sony Corp 通信システム，カード，管理サーバ，通信方法，プログラム，および，プログラムを記録した記録媒体
US7108176B2 (en) * 2001-03-21 2006-09-19 Cubic Corporation Customer administered autoload
US9853759B1 (en) 2001-03-31 2017-12-26 First Data Corporation Staged transaction system for mobile commerce
WO2002079939A2 (en) * 2001-03-31 2002-10-10 First Data Corporation Electronic identifier payment system and methods
US7103577B2 (en) * 2001-03-31 2006-09-05 First Data Corporation Systems and methods for staging transactions, payments and collections
US7184989B2 (en) * 2001-03-31 2007-02-27 First Data Corporation Staged transactions systems and methods
US7117183B2 (en) * 2001-03-31 2006-10-03 First Data Coroporation Airline ticket payment and reservation system and methods
US7165052B2 (en) * 2001-03-31 2007-01-16 First Data Corporation Payment service method and system
US7822679B1 (en) 2001-10-29 2010-10-26 Visa U.S.A. Inc. Method and system for conducting a commercial transaction between a buyer and a seller
US20030154153A1 (en) * 2002-01-31 2003-08-14 Steidlmayer J. Peter Composite commodity financial product
TW200540671A (en) * 2004-04-27 2005-12-16 Bitwallet Inc Money terminal processing server, money terminal processing method, money terminal, calculation instruction input device, and price modification information input device
US20050283433A1 (en) * 2004-06-17 2005-12-22 Visa International Service Association Method and system for providing seller bank receivable discounting services
US7711639B2 (en) 2005-01-12 2010-05-04 Visa International Pre-funding system and method
US8818904B2 (en) 2007-01-17 2014-08-26 The Western Union Company Generation systems and methods for transaction identifiers having biometric keys associated therewith
US8504473B2 (en) 2007-03-28 2013-08-06 The Western Union Company Money transfer system and messaging system
US7865439B2 (en) 2007-10-24 2011-01-04 The Western Union Company Systems and methods for verifying identities
WO2012000438A1 (zh) * 2010-06-29 2012-01-05 飞天诚信科技股份有限公司 一种对电子钱包进行操作的方法
FR2968799B1 (fr) * 2010-12-09 2013-01-11 Oberthur Technologies Procede et dispositif de controle d'execution pour des fonctions internes et des applications protegees embarquees dans des cartes a microcircuits pour terminaux mobiles
US20140019275A1 (en) * 2012-07-12 2014-01-16 Thomas Mackenzie Fallows Processing payment information for online orders at a local merchant's point of sale via check payment
US10861007B2 (en) * 2014-06-04 2020-12-08 Mastercard International Incorporated Multi-account payment card

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1989002140A1 (en) * 1987-08-28 1989-03-09 Mars Incorporated Data carrying devices
FR2689662A1 (fr) * 1992-04-01 1993-10-08 Gemplus Card Int Procédé de protection d'une carte à puce contre la perte d'information.
NL9200857A (nl) * 1992-05-14 1993-12-01 Nederlanden Staat Werkwijze en stelsel voor het binnen het stelsel in opdracht van een tweede component laten uitvoeren van een opdracht door een eerste component.
DE4230866A1 (de) * 1992-09-16 1994-03-17 Venture Engineering Management Datenaustauschsystem

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US4845351A (en) * 1985-09-30 1989-07-04 Casio Computer Co., Ltd. IC card
JPS63120391A (ja) * 1986-11-10 1988-05-24 Hitachi Ltd Ｉｃカ−ド
JPH022475A (ja) * 1988-06-15 1990-01-08 Omron Tateisi Electron Co Ｉｃカード
JPH0346089A (ja) * 1989-07-13 1991-02-27 Brother Ind Ltd カードに印字可能なプリペイドカード管理装置
ZA907106B (en) * 1989-10-06 1991-09-25 Net 1 Products Pty Ltd Funds transfer system
DE69334149T2 (de) * 1992-04-02 2008-02-14 Kabushiki Kaisha Toshiba, Kawasaki Speicherkarte
EP0646892A3 (de) * 1993-09-30 1996-03-06 Toppan Printing Co Ltd Speicherkarte.

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1989002140A1 (en) * 1987-08-28 1989-03-09 Mars Incorporated Data carrying devices
FR2689662A1 (fr) * 1992-04-01 1993-10-08 Gemplus Card Int Procédé de protection d'une carte à puce contre la perte d'information.
NL9200857A (nl) * 1992-05-14 1993-12-01 Nederlanden Staat Werkwijze en stelsel voor het binnen het stelsel in opdracht van een tweede component laten uitvoeren van een opdracht door een eerste component.
DE4230866A1 (de) * 1992-09-16 1994-03-17 Venture Engineering Management Datenaustauschsystem

Also Published As

Publication number Publication date
EP0700023A1 (de) 1996-03-06
US5635695A (en) 1997-06-03
USRE37067E1 (en) 2001-02-27

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A1B A search report has been drawn up
BV The patent application has lapsed