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Portable electronic transaction terminal, in particular portable payment terminal

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Publication number
WO1997046986A1
WO1997046986A1 PCT/FR1997/000992 FR9700992W WO1997046986A1 WO 1997046986 A1 WO1997046986 A1 WO 1997046986A1 FR 9700992 W FR9700992 W FR 9700992W WO 1997046986 A1 WO1997046986 A1 WO 1997046986A1
Authority
WO
Grant status
Application
Patent type
Prior art keywords
terminal
portable
means
transaction
card
Prior art date
Application number
PCT/FR1997/000992
Other languages
French (fr)
Inventor
Philippe Daury
Original Assignee
Ckd (S.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

Links

Classifications

    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • G07F7/0866Mechanisms 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
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/26Debit schemes, e.g. "pay now"
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
    • G06Q20/363Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes with the personal data files for a user
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M17/00Prepayment of wireline communication systems, wireless communication systems or telephone systems

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. TERMINAL PORTABLE ELECTRONIC TRANSACTION, INCLUDING MOBILE PAYMENT TERMINAL.

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 l'utilisateur et de transaction avec un centre serveur distant, ainsi crue des moyens de liaison à distance. The present invention relates to a terminal of portable electronic transaction, including portable payment terminal including a memory card reader, a computer for controlling the card control procedures, user authentication and transaction center remote server and flood remote connection means.

On connaît dans l'état de la technique des terminaux comportant des moyens de liaison HF de faible portée permettant d'assurer la transmission des données entre le terminal et un relais local dédié relié au réseau téléphonique commuté. Known in the prior art terminals having connecting means HF short-range to ensure the data transmission between the terminal and a local dedicated relay connected to the switched telephone network. Un exemple d'un tel terminal est divulgué par la demande de brevet européen EP484198. An example of such a device is disclosed by the European patent application 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. In this paper describes terminals each including transaction data input means, a wireless communication interface with a remote central station and to electronic initialization and means arranged to, during the transaction, to communicate with the central station. Ces terminaux permettent à certains professionnels et commerçants de ne pas exiger de leurs clients qu'ils se déplacent pour saisir leur code confidentiel . These terminals allow some professionals and shopkeepers not to require their customers to move to enter their PIN. Cette solution consiste simplement remplacer la liaison filaire par une liaison à distance. This solution consists simply replace the wired connection by a remote link. Elle nécessite la mise en place d'une installation spéciale, et cantonne l'utilisation à une faible zone d'utilisation. It requires the establishment of a special installation and use confined to low use area. 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. It has also been proposed to operate the digital output of a cell phone to connect a peri-computer equipment, for example via a PCMCIA card. L'un des inconvénients de ces solutions est la consommation électrique globale préjudiciable pour un équipement à vocation portable. One disadvantage of these solutions is detrimental overall power consumption for portable oriented equipment. Un autre inconvénient important concerne Ja fiabilité et la facilité d'utilisation des équipements. Another important disadvantage is Ja reliability and ease of use of equipment. 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. In the case of additional equipment, it is necessary to connect the two devices by connecting cables, which inevitably introduces a risk of disconnection. Cela réduit aussi l'agrément d'utilisation, tant pour le transport que pour l'exploitation. This also reduces the pleasure of use, both for transport and for exploitation.

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. The object of the present invention is to provide a device to prevent this drawback, and to otherwise reduce the cost, weight and bulk, and to improve the ergonomics. 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 invention further aims to improve the ergonomics by extensive automation of tasks and the ability to control in a programmed manner the interactive sequence and automatic electronic payment function 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. Provided for this purpose a device wherein the connecting means are constituted by a cellular telephone circuit incorporated in the housing of said terminal, and whose data input means and the display means are common to electronic banking 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 1 ' exécution des programmes de transactions . Advantageously, the terminal comprises a screen handler circuit receiving the digital signals from a portion of the cellular system and secondly of the computer assigned to one execution of transactions programs. De préférence, le terminal selon l'invention comporte une alimentation électrique commune pour l'ensemble des circuits. Preferably, the terminal of the invention includes a common power supply for all 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 memory circuit containing information regarding electronic transaction protocols executed by the computer and the information on the connection to the servers operated by the cellular telephone circuit. Selon une variante, le terminal comporte en outre un second lecteur de carte. Alternatively, the terminal further includes 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 : The invention will be better understood from reading the description that follows, referring to the appended figures relating to non-limiting embodiments in which:

- la figure 1 représente une vue schématique d'un terminal selon l'invention ; - Figure 1 shows a schematic view of a terminal according to the invention; la figure 2 représente une vue d'un exemple de schéma de principe. 2 shows a view of an example of block diagram. La figure 1 représente une vue schématique d'un terminal selon l'invention. 1 shows a schematic view of a terminal according to the invention. Il est composé par un boîtier unique (1) présentant un écran d'affichage (2) à cristaux liquides et un clavier numérique ou alphanumérique (3) . It is composed by a single housing (1) having a display screen (2) liquid crystal and a numeric or alphanumeric keypad (3). Le boîtier présente deux fentes (4, 5) pour l'introduction de cartes à mémoire. The housing has two slits (4, 5) for the introduction of smart cards. Le boîtier est surmonté par une antenne (6) . The housing is overcome by an antenna (6).

La figure 2 représente un schéma de principe d'un tel terminal. 2 shows a block diagram of such a 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. The electronic circuit includes a cellphone circuit (7) known type and a computer (8) for the execution of transaction functions. Les deux circuits sont alimentés par une source d'électricité commune (9), par exemple une batterie Lithium Ion. Both circuits are fed by a common power source (9), for example a Lithium Ion battery. Le circuit comprend en outre une mémoire commune (10) et un écran d'affichage (2) commun. The circuit further comprises a common memory (10) and a display screen (2) together. Le calculateur (8) est relié à deux lecteurs de cartes à mémoire (11, 12) . The computer (8) is connected to two chip card readers (11, 12).

La mémoire (10) peut contenir les informations relatives au protocole de connexion à un serveur. The memory (10) can contain information about the connection protocol to a server. L'utilisateur peut saisir les informations relatives à une transaction à l'aide du clavier (3) . The user can enter the information for a transaction using the keyboard (3). Lorsque le protocole de transaction nécessite une liaison avec le serveur, le calculateur active la connexion par 1 ' intermédiaire du circuit de téléphonie cellulaire (7) . When the transaction protocol requires a connection to the server, the computer activates the connection 1 via the cellular telephone circuit (7). Les données relatives à la connexion, par exemple le numéro de téléphone du serveur, sont mémorisés dans la mémoire (10) . The data relating to the connection, for example the server's telephone number, are stored in the memory (10). Les données reçues par le circuit de téléphonie cellulaire (7) sont transmises au calculateur (8) pour la poursuite de la transaction. The data received by the cellular telephone circuit (7) are transmitted to the computer (8) for the continuation of the transaction.

Le deuxième lecteur peut servir à différents usages. The second player can serve various purposes. Selon un mode d'exploitation, le second lecteur According to an operating mode, the second player

(12) est un lecteur destiné à recevoir la carte d'identification du dispositif auprès de l'opérateur de télécommunication. (12) is a reader for receiving the identification card of the device from the telecommunications operator. 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 integration of electronic banking and telecommunication functions unifies the identification and authorization of the user protocols and avoid any risk of error or fraud because of a discrepancy between the identity of the user such as referenced from the telecommunications operator, and the identity of the user as referenced to the bank 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 drive (12) and used to fully customize the device through the use of a single card, a user property. 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 player can also be designed to receive cards such as the card "trader" for electronic payment systems, or "doctor" cards for the 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

REVENDICATIONS CLAIMS
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 - Terminal portable electronic transaction, including portable payment terminal comprising a smart card reader (4, 5), a computer (8) for controlling the control procedures of the card, user authentication and transaction with a remote host, and the remote connection means, characterized in that the connecting means are constituted by a cellular phone circuit (7) incorporated in the housing (1) of said terminal, and in that data entry means (3) and the display means (2) are common to electronic payment functions and the telecommunications 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 (7) et d'autre part du calculateur (8) affecté à l'exécution des programmes de transactions. 2 - Terminal portable electronic transaction, including portable payment terminal according to claim 1 characterized in that it comprises a screen handler circuit receiving the digital signals from a part of the cellular circuit (7) and Moreover the computer (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 - Terminal portable electronic transaction, including portable payment terminal according to claim 1 or 2 characterized in that it comprises a common power supply for all circuits.
4 - Terminal de transaction électronique portable, notamment terminal de paiement portable, selon l'une 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 caJ culateur (8) et les informations relatives à la connexion aux serveurs exploités par le circuit de téléphonie cellulaire (7) . 4 - Terminal portable electronic transaction, including portable payment terminal, according to any one of the preceding claims characterized in that it comprises a memory circuit containing information regarding electronic transaction protocols executed by the CAJ culateur (8) and information relating to the connection to the servers operated by the cellular telephone circuit (7).
b - 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) . b - Terminal portable electronic transaction, including portable payment terminal, according to any one of the preceding claims characterized in that it further includes 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 - Terminal portable electronic transaction, 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 with the telecommunications operator.
PCT/FR1997/000992 1996-06-04 1997-06-04 Portable electronic transaction terminal, in particular portable payment terminal WO1997046986A1 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
FR9606890A FR2749424B1 (en) 1996-06-04 1996-06-04 Terminal portable electronic transaction, including portable payment terminal
FR96/06890 1996-06-04

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
EP19970927237 EP0951703A1 (en) 1996-06-04 1997-06-04 Portable electronic transaction terminal, in particular portable payment terminal

Publications (1)

Publication Number Publication Date
WO1997046986A1 true true WO1997046986A1 (en) 1997-12-11

Family

ID=9492713

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/FR1997/000992 WO1997046986A1 (en) 1996-06-04 1997-06-04 Portable electronic transaction terminal, in particular portable payment terminal

Country Status (3)

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

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WO1999000773A1 (en) * 1997-06-27 1999-01-07 Swisscom Ag Transaction method carried out with a mobile apparatus
FR2784531A1 (en) * 1998-10-13 2000-04-14 France Telecom System for acquisition and transfer of monetary payment data to a banking system server, has manual operated switch for establishing an automatically dialed connection via wireless or wired means with a server
FR2794547A1 (en) * 1999-06-03 2000-12-08 Gemplus Card Int Preparation and execution of a program in a smart card has an additional terminal
DE20007254U1 (en) * 2000-04-19 2001-05-31 Scm Microsystems Gmbh card terminal
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US7011246B2 (en) * 2001-09-10 2006-03-14 Sagawa Express Co., Ltd. Portable card reader and card settlement system
CN1310551C (en) * 2003-07-23 2007-04-11 乐金电子(中国)研究开发中心有限公司 Portable terminal locking device and method utilizing short message
EP1808831A1 (en) * 1999-06-03 2007-07-18 Gemplus Preparing and executing a programme in a terminal supplementary chip card
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Cited By (43)

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WO1999000773A1 (en) * 1997-06-27 1999-01-07 Swisscom Ag Transaction method carried out with a mobile apparatus
US7474904B1 (en) 1998-10-13 2009-01-06 France Telecom Device for acquiring and transferring data concerning payment means to a banking institution
FR2784531A1 (en) * 1998-10-13 2000-04-14 France Telecom System for acquisition and transfer of monetary payment data to a banking system server, has manual operated switch for establishing an automatically dialed connection via wireless or wired means with a server
WO2000022582A1 (en) * 1998-10-13 2000-04-20 France Telecom Device for acquiring and transferring data concerning payment means to a banking institution
US6822129B1 (en) * 1998-12-03 2004-11-23 Toray Industries, Inc. Method of converting aromatic compound
FR2794547A1 (en) * 1999-06-03 2000-12-08 Gemplus Card Int Preparation and execution of a program in a smart card has an additional terminal
WO2000075882A1 (en) * 1999-06-03 2000-12-14 Gemplus Preparing and executing a programme in a terminal supplementary chip card
US6775725B1 (en) 1999-06-03 2004-08-10 Gemplus Preparation and execution of a program in an additional chip card of a terminal
EP1808831A1 (en) * 1999-06-03 2007-07-18 Gemplus Preparing and executing a programme in a terminal supplementary chip card
DE20007254U1 (en) * 2000-04-19 2001-05-31 Scm Microsystems Gmbh card terminal
US7333947B2 (en) 2000-11-13 2008-02-19 Anoto Ab Network-based system
US7011246B2 (en) * 2001-09-10 2006-03-14 Sagawa Express Co., Ltd. Portable card reader and card settlement system
US8825928B2 (en) 2002-10-17 2014-09-02 Vodafone Group Plc Facilitating and authenticating transactions through the use of a dongle interfacing a security card and a data processing apparatus
CN1310551C (en) * 2003-07-23 2007-04-11 乐金电子(中国)研究开发中心有限公司 Portable terminal locking device and method utilizing short message
US8244611B2 (en) 2007-12-19 2012-08-14 Metabank Private label promotion card system, program product, and associated computer-implemented methods
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Also Published As

Publication number Publication date Type
EP0951703A1 (en) 1999-10-27 application
FR2749424B1 (en) 1998-07-10 grant
FR2749424A1 (en) 1997-12-05 application

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