WO1994007216A1 - Systeme de gestion de credit pour equipement informatique - Google Patents

Systeme de gestion de credit pour equipement informatique Download PDF

Info

Publication number
WO1994007216A1
WO1994007216A1 PCT/EP1993/002448 EP9302448W WO9407216A1 WO 1994007216 A1 WO1994007216 A1 WO 1994007216A1 EP 9302448 W EP9302448 W EP 9302448W WO 9407216 A1 WO9407216 A1 WO 9407216A1
Authority
WO
WIPO (PCT)
Prior art keywords
credit
user
memory
computer
information
Prior art date
Application number
PCT/EP1993/002448
Other languages
English (en)
Inventor
Arrigo Battiston
Original Assignee
Arrigo Battiston
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 Arrigo Battiston filed Critical Arrigo Battiston
Priority to AU49595/93A priority Critical patent/AU4959593A/en
Priority to EP93919315A priority patent/EP0667974A1/fr
Publication of WO1994007216A1 publication Critical patent/WO1994007216A1/fr

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
    • 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

Definitions

  • This invention relates to a credit management device fo computerized equipment.
  • Data banks are known which a user can access to obtai required information in the most varied sectors of huma activity.
  • the relationship between the data bank and user i generally governed by an appropriate contract defining a cos per unit of time or per individual information item or base on other tariff criteria, this cost being debited eithe directly after each data bank access or cumulatively a predetermined time intervals or in another form previousl agreed between the data bank and user.
  • the user may also b required to set up a current account which the data bank ca directly debit and which the user tops up from time to time.
  • a drawback of this type of relationship is the fact tha the data bank is located far from the user, who to gai access requires suitable connection means and has to pay th cost of this connection.
  • Special data banks are also known created on th premises of the user, who is supplied with informatio contained in supports of various kinds such as hard disks, optical disks, magnetic tapes etc. and who then extracts from the thus created data bank the information which he requires at any given time.
  • the user is compelled to purchase a complex of information which in practice he can use only to a limited and partial extent, resulting in a cost which is not commensurate with its effective use.
  • the object of the present invention is to create on the premises of each user a data bank containing information on the specific sector of activity of the user, to allow the user to withdraw from this personalized data bank that information which he requires at any given time, and finally to handle the accounting procedure at an individual level in a dynamic form, in the sense of correlating the costs involved in obtaining given information with the effective utilization of the data bank from which this information is withdrawn.
  • Figure 1 shows a simplified block diagram of the device according to the invention
  • Figure 2 shows a functional scheme relative to the use of the device of Figure 1
  • Figure 3 shows a functional scheme relative to the debitin operation
  • Figure 4 shows a functional scheme relative to the credi incrementing operation.
  • the device according t the invention comprises an input/output circuit 2 connecte to a user computer 4, which is connected to a bulk memory storing the coded information to be extracted on the basis o the specific user requirements.
  • the input/output circuit 2 i also connected to a processor unit 8 connected to a ROM 1 storing the credit management programs and a table of secre codes 12 for access to a RAM 14 storing the informatio relative to the user credit.
  • the operation of the device according to the inventio firstly requires the bulk memory 6 to be loaded with th information to be later extracted by the user on the basis o his specific requirements.
  • This information is coded and it decoding requires the use of the programs stored in the RO 10.
  • This coded information can be stored on hard disks, o magnetic tapes or on any other memory support.
  • the bulk memory 6 and the ROM 10 are loaded by usua installation procedures.
  • Thi information can consist for example of a value correspondin to the amount which the user has previously paid to th information distributor or the provider of the service, an is subject to downward or upward variation depending o whether the user has extracted information from the bul memory 6 or has incremented his credit by further payments generally when this credit has fallen below a predetermine minimum value.
  • Thi debiting operation is shown schematically in Figure 3; afte receiving from the computer 4 the command and the secret cod to access the RAM 14, the CPU 8 checks that the code is exac by comparison with those stored in the table 12, and if th result is positive causes the debiting operation to tak place by reducing the amount of user credit held in the RA 14. After this operation the CPU 8 causes the computer 4 t decode the information extracted from the bulk memory 6 an to make it available externally. The information can be mad available in various ways according to its nature, and Figur 2 shows three examples of its utilization.
  • the information can consist of a series of data or image which can be displayed and/or printed, or can consist of program, for example for causing an embroidery machine t form a particular design in which case the information can b provided on punched tape or on a disk for use in thi machine.
  • This operator provides coded information to the RAM 14 which then increments the stored value.
  • the operation whic involves (see Figure 4) feeding the computer 4 with th enabling code for that user, then checking its correctness b the CPU 8, and if positive accessing the RAM 14 to change th credit value, can be effected by the operator directly on th computer 4 by a keyboard or disk or via a modem. It can als be effected directly by the user, to whom the operator wil then have previously provided the necessary code instructions. In this case it is preferable that th instructions which the user feeds to the RAM 14 at th appropriate time to increment his credit should also includ an instruction for changing the RAM access code at eac credit incrementation, in order to prevent misuse by th user.
  • This change can also be made to occur automatically a each incrementation of credit to the RAM 14 by modifying th access code to the RAM using a particular algorithm stored i the ROM 10.
  • the device o the invention totally attains the stated object, in that i enables each user to have available on his own premises complex of information to be extracted and used on the basi of his requirements and to pay for such information i relation to its effective utilization.

Landscapes

  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Wing Frames And Configurations (AREA)

Abstract

L'invention concerne un système de gestion de crédit pour équipement informatique, destiné à être raccordé à l'ordinateur d'un utilisateur, caractérisé en ce qu'il comprend: une interface de raccordement avec l'ordinateur (4); une mémoire de masse (6) contenant des informations codées et pouvant être raccordée audit ordinateur; une unité centrale (8); une première mémoire (12) contenant les programmes de gestion de crédit et les programmes de décodage pour les données stockées dans la mémoire de masse (6); une seconde mémoire à accès sélectif (14) contenant les informations relatives au crédit de l'utilisateur concerné; et des moyens permettant d'augmenter, depuis l'extérieur, ledit crédit.
PCT/EP1993/002448 1992-09-14 1993-09-10 Systeme de gestion de credit pour equipement informatique WO1994007216A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
AU49595/93A AU4959593A (en) 1992-09-14 1993-09-10 Credit management device for computerized equipment
EP93919315A EP0667974A1 (fr) 1992-09-14 1993-09-10 Systeme de gestion de credit pour equipement informatique

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ITVE920037A IT1260844B (it) 1992-09-14 1992-09-14 Dispositivo di gestione del credito per apparecchiature computerizzate
ITVE92A000037 1992-09-14

Publications (1)

Publication Number Publication Date
WO1994007216A1 true WO1994007216A1 (fr) 1994-03-31

Family

ID=11423865

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/EP1993/002448 WO1994007216A1 (fr) 1992-09-14 1993-09-10 Systeme de gestion de credit pour equipement informatique

Country Status (4)

Country Link
EP (1) EP0667974A1 (fr)
AU (1) AU4959593A (fr)
IT (1) IT1260844B (fr)
WO (1) WO1994007216A1 (fr)

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE3509914A1 (de) * 1985-03-19 1986-10-02 COPYTEX GmbH Sicherheitssysteme, 7730 Villingen-Schwenningen System zur uebertragung eines berechtigungsvolumens an eine verbrauchsstation wie z.b. elektrogeraete
EP0266798A2 (fr) * 1986-11-06 1988-05-11 Omron Tateisi Electronics Co. Terminal de paiement
EP0402302A2 (fr) * 1989-06-07 1990-12-12 Lipman Electronic Engineering Ltd. Système à carte de crédit
EP0402182B1 (fr) * 1988-06-08 1995-09-20 Raoul Parienti Système de paiement par cartes à circuits intégrés bi-module

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE3509914A1 (de) * 1985-03-19 1986-10-02 COPYTEX GmbH Sicherheitssysteme, 7730 Villingen-Schwenningen System zur uebertragung eines berechtigungsvolumens an eine verbrauchsstation wie z.b. elektrogeraete
EP0266798A2 (fr) * 1986-11-06 1988-05-11 Omron Tateisi Electronics Co. Terminal de paiement
EP0402182B1 (fr) * 1988-06-08 1995-09-20 Raoul Parienti Système de paiement par cartes à circuits intégrés bi-module
EP0402302A2 (fr) * 1989-06-07 1990-12-12 Lipman Electronic Engineering Ltd. Système à carte de crédit

Also Published As

Publication number Publication date
IT1260844B (it) 1996-04-23
ITVE920037A0 (it) 1992-09-14
AU4959593A (en) 1994-04-12
ITVE920037A1 (it) 1994-03-14
EP0667974A1 (fr) 1995-08-23

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