OA11928A - Terminal, procédé et système de gestion de transactions monétaires et de fourniture de services. - Google Patents

Terminal, procédé et système de gestion de transactions monétaires et de fourniture de services. Download PDF

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Publication number
OA11928A
OA11928A OA1200100262A OA1200100262A OA11928A OA 11928 A OA11928 A OA 11928A OA 1200100262 A OA1200100262 A OA 1200100262A OA 1200100262 A OA1200100262 A OA 1200100262A OA 11928 A OA11928 A OA 11928A
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OAPI
Prior art keywords
service
terminal
company
monetary
information
Prior art date
Application number
OA1200100262A
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French (fr)
Inventor
Francis Orengo
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Cahors App Elec
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Publication of OA11928A publication Critical patent/OA11928A/en

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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
    • G07F7/08—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
    • G06Q10/00—Administration; Management
    • G06Q10/04—Forecasting or optimisation specially adapted for administrative or management purposes, e.g. linear programming or "cutting stock problem"
    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/08—Logistics, e.g. warehousing, loading or distribution; Inventory or stock management
    • 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
    • G06Q20/229—Hierarchy of users of accounts
    • 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
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
    • 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
    • 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

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Economics (AREA)
  • Human Resources & Organizations (AREA)
  • Development Economics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Finance (AREA)
  • Marketing (AREA)
  • Operations Research (AREA)
  • Quality & Reliability (AREA)
  • Tourism & Hospitality (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Game Theory and Decision Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

The invention concerns a terminal (6) for managing monetary transactions and supply of services. The invention is characterised in that the management terminal (6) further comprises at least a processing module (10) for service data supplied by at least a service company (4), said processing module (10) provided with a two-way communication with a module controlling (18) technical equipment (19) of the service company (4) an co-operating with the payment unit (7) for carrying out payment for services supplied and transmitting to said company (4), via a second transmission network, data concerning the services supplied.

Description

'4·~ 119 2 8'4 · ~ 119 2 8

TERMINAL, PROCEDE ET SYSTEME DE GESTION DETRANSACTIONS MONETAIRES ET DE FOURNITURE DETERMINAL, METHOD AND SYSTEM FOR MANAGING MONEY TRANSACTIONS AND SUPPLYING

SERVICESSERVICES

La présente invention concerne un terminal degestion de transactions monétaires et de fourniture deservices comportant au moins une unité de paiement munied'un premier lecteur d'une première carte à pucemonétaire, ladite unité de paiement étant reliée à aumoins un établissement bancaire et à au moins unecompagnie de service via un premier réseau decommunication. L'invention concerne également un procédé et unsystème de gestion de transactions entre unétablissement bancaire et au moins une société deservice. L'utilisation d'un terminal de traitement dedonnées équipé d'un lecteur de cartes à puce poureffectuer des opérations « commerciales est connuenotamment par la demande de brevet n* 2 407 518. Ledispositif décrit dans ce document permet l'envoi ou laréception de données respectivement en direction ou enprovenance d'une unité de traitement de donnéesdistante, mais ne permet pas de réaliser simultanémentun transfert bidirectionnel d'informations de façonindépendante et sécurisée entre une ou plusieurscompagnies de services et les équipements de servicescontrôlés par carte à puce. On connaît également àtravers la demande de brevet EP 0 114 773 A2 un dispositif et un procédé pour habiliter le détenteurd'une carte à accéder par cette carte à au moins unservice. Ce document a pour objet uniquement le contrôlede l'accès au service et ne décrit pas non plus la 2 H92ô possibilité de réaliser le transfert bidirectionneld'informations entre une ou plusieurs compagnies deservices et les équipements de services contrôlés parcarte à puce. 5The present invention relates to a terminal for managing money transactions and providing services comprising at least one payment unit provided with a first reader of a first credit card, said payment unit being connected to at least one banking establishment and at least one company. service via a first communication network. The invention also relates to a method and a system for managing transactions between a bank and at least one service company. The use of a data processing terminal equipped with a smart card reader for carrying out commercial operations is known in particular from the patent application No. 2 407 518. The device described in this document allows the sending or the reception of data. respectively in direction or from a remote data processing unit, but does not make it possible to simultaneously achieve a bidirectional transfer of information independently and securely between one or more service companies and the services equipment controlled by smart card. Patent application EP 0 114 773 A2 also discloses a device and a method for enabling the holder of a card to access this card to at least one service. The purpose of this document is solely to control access to the service and also does not describe the possibility of making two-way information transfer between one or more service companies and the controlled services equipment. 5

Le but de l'invention est de réaliser unterminal capable d'assurer simultanément et de façonsécurisée des transactions entre un ou plusieursorganismes bancaires reliés via un premier réseau dédié 10 à la transmission de données monétaires, et une ouplusieurs sociétés de service reliées via un ouplusieurs réseaux indépendants dédiés à la transmissionde données techniques relatives aux services fournis. A cet effet, outre l'unité de paiement, le 15 terminal selon l'invention comporte au moins un modulede traitement des informations de services fournis parau moins une société de service, ledit module detraitement communiquant de façon bidirectionnelle avecun module de contrôle des équipements techniques de la 20 société de service et coopérant avec l'unité de paiementpour, d'une part, effectuer le paiement des servicesfournis, et d'autre part, transmettre à ladite société,via un deuxième réseau de transmission, des informationsrelatives aux services fournis. 25The object of the invention is to provide a terminal capable of simultaneously and securely securing transactions between one or more bank organizations connected via a first dedicated network 10 for the transmission of monetary data, and one or more service companies connected via one or more networks. dedicated to the transmission of technical data relating to the services provided. For this purpose, in addition to the payment unit, the terminal according to the invention comprises at least one service information processing module provided by at least one service company, said processing module communicating bi-directionally with a control module for the technical equipment. of the service company and cooperating with the payment unit to, on the one hand, make the payment for services provided, and on the other hand, transmit to the said company, via a second transmission network, information relating to the services provided. 25

Le procédé selon l'invention est caractérisé ence que l'on charge sur une carte à puce dédiée auxinformations de services une valeur représentative de laprestation de service autorisée, et simultanément ou 30 successivement, on débite une carte à puce monétaired'un montant correspondant au coût de la prestationautorisée, puis on transmet les informations monétairesvia un premier réseau, à l'établissement bancaire, etlesdites informations monétaires ainsi que des 35 informations techniques relatives aux services fournis,via un deuxième réseau, à la société de service. 3 11928The method according to the invention is characterized in that a value representative of the authorized service service is loaded on a smart card dedicated to the service information, and simultaneously or successively, a monetized smartcard is debited with an amount corresponding to the cost of the authorized service, and then transmitting the monetary information through a first network, to the banking establishment, and said monetary information as well as technical information relating to the services provided, via a second network, to the service company. 3 11928

Selon une caractéristique importante del'invention, le module de traitement et le module decontrôle comportent chacun des moyens de sécurisationamovibles.According to an important feature of the invention, the processing module and the control module each comprise movable security means.

Préférentiellement, le module de traitementcomporte une unité de lecture d'une deuxième carte àpuce destinée à gérer au moins un service fourni par aumoins une société de service. D'autres caractéristiques et avantages del'invention ressortiront de la description qui vasuivre, prise à titre d'exemple non limitatif, enréférence aux figures annexées dans lesquelles: - La figure 1 représente un schéma illustrant unsystème global de communication utilisant un terminalconforme à l'invention ; - la figure 2 représente schématiquement un modeparticulier de réalisation d'un terminal conforme àl'invention.Preferably, the processing module comprises a reading unit of a second smart card for managing at least one service provided by at least one service company. Other characteristics and advantages of the invention will emerge from the description which follows, taken by way of non-limiting example, with reference to the appended figures in which: FIG. 1 represents a diagram illustrating a global communication system using a terminal that complies with FIG. invention; - Figure 2 schematically shows a particular embodiment of a terminal according to the invention.

La figure 1 représente un système de gestiond'au moins une transaction entre au moins unétablissement bancaire 2 communiquant via un premierréseau de transmission et au moins une société deservice 4 communiquant via un deuxième réseau detransmission.FIG. 1 represents a system for managing at least one transaction between at least one banking institution 2 communicating via a first transmission network and at least one service company 4 communicating via a second transmission network.

Ce système comporte un terminal 6 de gestion destransactions monétaires et de fourniture de servicesconfortant une unité de paiement 7 munie d'un premierlecteur 8 d'une première carte à puce monétaire 9,ladite unité de paiement 7 étant reliée àl'établissement bancaire 2 via un premier réseau decommunication. Le terminal 6 comporte en outre un module10 de traitement des informations de services fourniespar la société de service 4. Ledit module de traitement10 communiquant de façon bidirectionnelle avec un modulede contrôle 18 des équipements techniques 19 de la 4 119 2 8 société de service et coopère avec l'unité de paiement 7pour, d'une part, effectuer le paiement à la société deservice 4 des services fournis, et d'autre part,transmettre à ladite société 4, via un deuxième réseau 5 de transmission, des informations relatives auxditsservices effectivement fournis. Ladite société deservice est une compagnie de distribution d'énergieet/ou d'eau par exemple.This system comprises a terminal 6 for managing money transactions and providing servicesconforting a payment unit 7 provided with a first reader 8 of a first monetary smart card 9, said payment unit 7 being connected to the bank 2 via a first communication network. The terminal 6 further comprises a service information processing module 10 provided by the service company 4. Said processing module 10 bi-directionally communicating with a control module 18 of the technical equipment 19 of the service company 4 119 2 8 and cooperating with the payment unit 7 for, on the one hand, make the payment to the company of the service 4 of the services provided, and on the other hand, transmit to said company 4, via a second transmission network 5, information relating to said services actually provided . Said service company is a distribution company of energy and / or water for example.

Selon un mode préféré de réalisation de 10 l'invention, les modules de traitement 10 et de contrôle18 comportent chacun des moyens de sécurisationamovibles 20 du type SAM à carte à puce, qui contiennentun programme et un code spécifiques à la société quifournit les services et peuvent également contenir des 15 paramètres relatifs aux services délivrés tels que parexemple des tarifs ou des limitations. Une horloge 21permet de dater les événements dans le terminal 6 etdans le module de contrôle 18.According to a preferred embodiment of the invention, the processing and control modules 18 each includeamenable security means 20 of the smart card type SAM, which contain a program and code specific to the company providing the services and can also contain parameters relating to the delivered services such as for example tariffs or limitations. A clock 21 allows to date the events in the terminal 6 and in the control module 18.

En outre, le module de traitement 10 comporte 20 une unité de lecture 14 d'une carte à puce 16 destinée àgérer au moins un service fourni par la société deservice 4.In addition, the processing module 10 comprises a reading unit 14 of a smart card 16 for managing at least one service provided by the service company 4.

En fonctionnement, on charge sur la carte à puce16 dédiée aux informations de services une valeur 25 représentative de la prestation de service autorisée onenregistre dans le terminal 6 les informations préalablement chargées à partir du module de contrôle 18sur ladite carte à puce 16, et simultanément ousuccessivement on débite la carte à puce monétaire 9 30 d'un montant correspondant à la prestation autorisée,puis on transmet les informations monétaires àl'établissement bancaire 2 via un premier réseau et lesinformations de service, à la société de service 4 viaun deuxième réseau. Les informations transmises à la 35 société de service peuvent être la quantité consommée•dans le cas de distribution d'énergie, l'état des 5 119 2 8 équipements, l'identité des utilisateurs etd'éventuelles tentatives de fraudes.In operation, a value representative of the authorized service service is loaded onto the smart card16 dedicated to the service information and the information previously loaded from the control module 18 on said smart card 16 is recorded in the terminal 6 and simultaneously or successively the monetary smart card 9 30 is debited with an amount corresponding to the authorized service, then the monetary information is transmitted to the banking institution 2 via a first network and the service information to the service company 4 via a second network. The information transmitted to the service company may be the quantity consumed in the case of power distribution, the state of the equipment, the identity of the users and possible attempts at fraud.

Le terminal 6 comporte en outre un clavier decommande 22, un écran 23 et une imprimante 24 permettant 5 d'afficher et d'imprimer les caractéristiques techniqueset monétaires de la transaction.The terminal 6 further comprises a remote keypad 22, a screen 23 and a printer 24 for displaying and printing the technical and monetary characteristics of the transaction.

De façon connue en soi, l'établissement bancaire2, la société de service 4 et le terminal 6 sont équipésde moyens de transmission de données 25. 10 Dans un mode particulier de réalisation de l'invention illustré à la figure 2, l'unité de paiement7 comporte un lecteur supplémentaire 26 d'une deuxièmecarte à puces monétaire 28. Ce mode de réalisation estparticulièrement adapté au cas où le terminal de gestion 15 6 est installé chez un commerçant. Dans ce cas, le paiement de la prestation est réalisé en débitant lemontant correspondant à partir de la carte 28 ducommerçant au moyen du lecteur supplémentaire 26. Lepaiement peut également être effectué en espèces auprès 20 du commerçant. La recharge du montant de la prestationse fait alors par débit sur la carte du commerçant.In a manner known per se, the banking establishment2, the service company 4 and the terminal 6 are equipped with data transmission means 25. In a particular embodiment of the invention illustrated in FIG. payment7 comprises an additional reader 26 of a second monetary chip card 28. This embodiment is particularly adapted to the case where the management terminal 6 is installed at a merchant. In this case, the payment of the service is carried out by debiting the corresponding amount from the merchant card 28 by means of the additional reader 26. The payment may also be made in cash with the merchant. The recharge of the amount of the benefit is then made by debit on the card of the merchant.

Le terminal de gestion 6 peut également êtreinstallé dans une borne publique.The management terminal 6 can also be installed in a public terminal.

La carte à puce 16 dédiée aux informations 25 techniques relatives aux services peut être spécifique àchaque société de service ou être commune à plusieurssociétés. Dans ce dernier cas, ladite carte 16 comporte . . plusieurs zones mémoires indépendantes associées chacune à un code d'accès spécifique à chaque société. ; 30 ; ? - Le terminal 6 selon l'invention peut être ’ ’ utilisé dans un système d'autorisation d'accès à une zone ou à un local tel que par exemple un parc pourvoiture ou un local d'activités sportives. Il peutî : également être utilisé pour le contrôle d'un équipement ; 35 — tel 1 que par exemple une machine de distribution - î aùtofiiàtique de produits consommables ou un appareil mis 6 1Î928 à la disposition de l'utilisateur par la société deservice.The smart card 16 dedicated to the technical information relating to the services may be specific to each service company or may be common to several companies. In the latter case, said card 16 comprises. . several independent memory areas each associated with an access code specific to each company. ; 30 ; ? The terminal 6 according to the invention can be used in a system for authorizing access to an area or a room such as, for example, a service park or a sports activity room. It can also be used for control of equipment; Such as, for example, a machine for distributing consumable products or an apparatus made available to the user by the service company.

Claims (11)

7 11928 REVENDICATIONS7 11928 CLAIMS 1. Terminal (6) de gestion de transactions5 monétaires et de fourniture de services comportant aumoins une unité de paiement (7) munie d'un premierlecteur (8) d'une première carte à puce monétaire (9),ladite unité de paiement (7) étant reliée à au moins unétablissement bancaire (2) via un premier réseau de 10 communication, caractérisé en ce qu'il comporte en outreau moins un module de traitement (10) des informationsde services fournis par au moins une société de service(4), ledit module de traitement (10) comportant uneunité de lecture (14) d’une deuxième carte à puce (16) 15 dans laquelle on charge une valeur représentative de laprestation de service autorisée, pour débiter,simultanément ou successivement, la carte à puce (9)d’un montant correspondant à ladite prestationautorisée, ledit module (10) communiquant de façon 20 bidirectionnelle avec un module de contrôle (18) deséquipements techniques (19) de la société de service(4), et coopérant avec l'unité de paiement (7) pour,d'une part, effectuer le paiement des services fournis,et d'autre part, transmettre à ladite société (4), via 25 un deuxième réseau de transmission, des informationsrelatives aux services fournis.1. Money management and service providing terminal (6) comprising at least one payment unit (7) provided with a first reader (8) of a first monetary chip card (9), said payment unit ( 7) being connected to at least one banking establishment (2) via a first communication network, characterized in that it furthermore comprises at least one processing module (10) of the service information provided by at least one service company (4). ), said processing unit (10) having a reading unit (14) of a second chip card (16) in which a value representative of the authorized service delivery is loaded for simultaneously or successively feeding the card to chip (9) of an amount corresponding to said authorized service, said module (10) bi-directionally communicating with a control module (18) of the technical equipment (19) of the service company (4), and cooperating with the payment unit (7) for, on the one hand, making the payment for the services provided, and, on the other hand, transmitting to the said company (4), via a second transmission network, information relating to the services provided. 2. Terminal selon la revendication 1, caractérisé en ce que le module de traitement (10) et le 30 module de contrôle (18) confortent chacun des moyens desécurisation amovibles (20).2. Terminal according to claim 1, characterized in that the processing module (10) and the control module (18) consolidate each removable securing means (20). 3. Terminal selon la revendication 2,caractérisé en ce que lesdits moyens de sécurisation 35 amovibles (20) contiennent un programme et un codespécifiques à la société de service (4) . 8 119 2 83. Terminal according to claim 2, characterized in that said removable securing means (20) contain a program and codes specific to the service company (4). 8 119 2 8 4. Terminal selon l'une des revendications l à3, caractérisé en ce qu'il comporte un clavier (22), un 5 écran (23) et une imprimante (24) destinés à afficher età imprimer les caractéristiques techniques et monétairesdes transactions.4. Terminal according to one of claims l to3, characterized in that it comprises a keyboard (22), a screen (23) and a printer (24) for displaying and printing the technical characteristics and monetary transactions. 5. Terminal selon la revendication i, 10 caractérisé en ce que ladite unité de paiement (7) comporte un lecteur supplémentaire (26) d'une deuxièmecarte à puce monétaire (28).Terminal according to claim 1, characterized in that said payment unit (7) comprises an additional reader (26) of a second monetary chip card (28). 6. Procédé de gestion de transactions entre un15 établissement bancaire (2) et au moins une société de service (4), ledit procédé utilisant un terminal (6)conforme à l'une des revendications 1 à 7, caractériséen ce que l'on charge sur une carte à puce (16) dédiéeaux informations de services une valeur représentative 20 de la prestation de service autorisée, et on débite unecarte- à puce monétaire (9) d'un montant correspondant aucoût de la prestation autorisée, puis on transmet, d'unepart via un premier réseau, les informations monétairesà l'établissement bancaire (2), et d'autre part via un 25 deuxième réseau, lesdites informations monétaires et desinformations techniques relatives aux services fournis à jdür· la société de service (4).6. Method for managing transactions between a bank (2) and at least one service company (4), said method using a terminal (6) according to one of claims 1 to 7, characterized in that one charge a service charge card (16) dedicated to the service information with a value representative of the authorized service delivery, and charge a monetary chip card (9) in an amount corresponding to the cost of the authorized service, and then transmit, firstly via a first network, the monetary information to the bank (2), and secondly via a second network, said monetary information and technical information relating to the services provided to jdür · the service company (4) . 7. Procédé selon la revendication 6, caractérisé 30 en ce que l'on enregistre dans le terminal (6) les informations préalablement chargées à partir du modulede contrôle (18) sur la carte à puce (16).7. Method according to claim 6, characterized in that the information previously loaded from the control module (18) on the chip card (16) is recorded in the terminal (6). 8. Système de gestion d'au moins une transaction 35 entre au moins un établissement bancaire (2) communiquant via un premier réseau de transmission et au 9 119 2 8 moins une société de service (4) communiquant via undeuxième réseau de transmission, caractérisé en ce qu'ilcomporte un terminal (6) de gestion des transactionsmonétaires et de services conforme à l'une des 5 revendications 1 à 8 communiquant, d'une part, avec deséquipements techniques de la société de service (4) etd'autre part, avec l'établissement bancaire (2).8. System for managing at least one transaction between at least one banking establishment (2) communicating via a first transmission network and at least one service company (4) communicating via a second transmission network, characterized in that it comprises a terminal (6) for the management of monetary transactions and services in accordance with one of the claims 1 to 8 communicating, on the one hand, with the technical equipment of the service company (4) and on the other hand , with the banking establishment (2). 9. Système selon la revendication 8, caractérisé 10 en ce que ladite société de service (4) est une compagnie de distribution d'énergie et/ou d'eau.9. System according to claim 8, characterized in that said service company (4) is a power and / or water distribution company. 10. Utilisation d'un terminal conforme à l'unedes revendications 1 à 6 pour le contrôle de l'accès à 15 une zone ou à un local. ·«10. Use of a terminal according to one of claims 1 to 6 for controlling access to a zone or a room. · " 11. Utilisation d'un terminal conforme à l'unedes revendications 1 à 6 pour le contrôle dél'utilisation d'un équipement.11. Use of a terminal according to one of claims 1 to 6 for the control of use of equipment.
OA1200100262A 1999-04-13 2000-04-04 Terminal, procédé et système de gestion de transactions monétaires et de fourniture de services. OA11928A (en)

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Application Number Priority Date Filing Date Title
FR9904605A FR2792442B1 (en) 1999-04-13 1999-04-13 TERMINAL, METHOD AND SYSTEM FOR MANAGING MONETARY TRANSACTIONS AND PROVIDING SERVICE

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OA11928A true OA11928A (en) 2006-04-12

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FR (1) FR2792442B1 (en)
MA (2) MA25000A1 (en)
OA (1) OA11928A (en)
WO (1) WO2000062261A1 (en)

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2827058B1 (en) 2001-07-09 2005-05-27 A S K ELECTRONIC CASH SYSTEM FOR ELECTRONIC COIN PURSE
CN103310536B (en) * 2013-06-03 2016-06-08 安徽富煌和利时科技股份有限公司 A kind of multi-functional IC-card card-punching system

Family Cites Families (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AU4088778A (en) 1977-10-28 1980-04-24 Int Standard Electric Corp Transaction terminal
FR2539897B1 (en) 1983-01-20 1988-12-30 Cii Honeywell Bull METHOD AND DEVICE FOR ENABLING THE HOLDER OF A PORTABLE OBJECT SUCH AS A CARD, TO BE ACCESSED BY THIS CARD TO AT LEAST ONE SERVICE PROVIDED BY AT LEAST ONE AUTHORIZING ORGANIZATION
DE3752146T3 (en) * 1986-09-02 2004-09-02 Pitney Bowes, Inc., Stamford Automated transaction system with insertable cards for transferring account data
WO1996001459A1 (en) * 1994-07-01 1996-01-18 Skidata Computer Gesellschaft M.B.H. Controlling device
BR9504661A (en) * 1995-09-14 1997-10-07 Francisco Mathieu Controlling device for the supply of pre-paid tariffed inputs
EP0956544A1 (en) * 1996-02-01 1999-11-17 Imaging Technologies Pty Limited Improved electronic ordering device and electronic retailing and vending systems
JP2000505616A (en) * 1996-02-26 2000-05-09 イー グイド インコーポレイテッド Cordless phone backlinks for interactive television systems
HUP0003100A3 (en) * 1997-06-27 2003-01-28 Swisscom Mobile Ag Transaction method using a mobile device and identifier device

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AU3665100A (en) 2000-11-14
MA25349A1 (en) 2001-12-31
WO2000062261A1 (en) 2000-10-19
MA25000A1 (en) 2000-07-01
FR2792442A1 (en) 2000-10-20
FR2792442B1 (en) 2001-06-29

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