WO1998043825A1 - Titre de paiement sur tous types de reseaux electroniques et en particulier le reseau internet - Google Patents
Titre de paiement sur tous types de reseaux electroniques et en particulier le reseau internet Download PDFInfo
- Publication number
- WO1998043825A1 WO1998043825A1 PCT/FR1997/000585 FR9700585W WO9843825A1 WO 1998043825 A1 WO1998043825 A1 WO 1998043825A1 FR 9700585 W FR9700585 W FR 9700585W WO 9843825 A1 WO9843825 A1 WO 9843825A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- payment
- sub
- box
- internet
- networks
- Prior art date
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
- G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
-
- B—PERFORMING OPERATIONS; TRANSPORTING
- B42—BOOKBINDING; ALBUMS; FILES; SPECIAL PRINTED MATTER
- B42D—BOOKS; BOOK COVERS; LOOSE LEAVES; PRINTED MATTER CHARACTERISED BY IDENTIFICATION OR SECURITY FEATURES; PRINTED MATTER OF SPECIAL FORMAT OR STYLE NOT OTHERWISE PROVIDED FOR; DEVICES FOR USE THEREWITH AND NOT OTHERWISE PROVIDED FOR; MOVABLE-STRIP WRITING OR READING APPARATUS
- B42D25/00—Information-bearing cards or sheet-like structures characterised by identification or security features; Manufacture thereof
- B42D25/20—Information-bearing cards or sheet-like structures characterised by identification or security features; Manufacture thereof characterised by a particular use or purpose
- B42D25/29—Securities; Bank notes
-
- 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
-
- 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
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
-
- 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
- G06Q20/22—Payment schemes or models
- G06Q20/29—Payment schemes or models characterised by micropayments
-
- 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
- G06Q20/343—Cards including a counter
- G06Q20/3433—Cards including a counter the counter having monetary units
-
- 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
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
-
- 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
- G07F7/086—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 passive credit-cards adapted therefor, e.g. constructive particularities to avoid counterfeiting, e.g. by inclusion of a physical or chemical security-layer
Definitions
- the present invention relates to a payment voucher on networks and in particular the Internet.
- Payment is currently made through networks and in particular the Internet - by communicating your credit card number. However, this number or any other permanent password can be hacked.
- the payment voucher according to the invention overcomes this drawback.
- Each payment document is unique, its cardboard support, for example, is rectangular, such as a credit card.
- It includes an apparent serial number to be entered by the buyer through networks and in particular the Internet for a first identification.
- the payment order is composed of a set of sub-amounts (6), the sum of which constitutes the total amount (1).
- Each sub-amount (6) is visible and associated with it a box (7) on which is hidden a code number which must be scratched to read it. To carry out a transaction, it is necessary to communicate on the networks and in particular the Internet network the sub-amount (6) and the associated code number (7).
- Each scratched box (7) rendering the apparent code number with which a sub-amount (6) is associated with it decreases the value of the payment order (1) thereof.
- the payment order includes other covered areas (4) under which are hidden other numbers for checking.
- These areas (4) can be scratched at the request of the server or the computer processing center to secure the transaction and ensure the authenticity of the payment order.
- the customer can be reimbursed for the difference between the total sum of the payment order (1) and the sum of the scraped sub-amounts.
- the amount of the payment order (1) is clearly visible.
- the sub-amounts of several payment vouchers can add up.
- the buyer of goods or services through any type of network and in particular the Internet can directly pay for his purchase or purchases or supply one or more electronic accounts.
- the payment voucher is reimbursed for the sum of the sub-amounts of the non-scratched boxes plus the highest scratched sub-amount appearing on the payment slip.
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
Claims
Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
PCT/FR1997/000585 WO1998043825A1 (fr) | 1997-04-02 | 1997-04-02 | Titre de paiement sur tous types de reseaux electroniques et en particulier le reseau internet |
AU23925/97A AU2392597A (en) | 1997-04-02 | 1997-04-02 | Payment instrument on all types of networks and particularly on internet |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
PCT/FR1997/000585 WO1998043825A1 (fr) | 1997-04-02 | 1997-04-02 | Titre de paiement sur tous types de reseaux electroniques et en particulier le reseau internet |
Publications (1)
Publication Number | Publication Date |
---|---|
WO1998043825A1 true WO1998043825A1 (fr) | 1998-10-08 |
Family
ID=9502812
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/FR1997/000585 WO1998043825A1 (fr) | 1997-04-02 | 1997-04-02 | Titre de paiement sur tous types de reseaux electroniques et en particulier le reseau internet |
Country Status (2)
Country | Link |
---|---|
AU (1) | AU2392597A (fr) |
WO (1) | WO1998043825A1 (fr) |
Cited By (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
GB2348036A (en) * | 1999-03-15 | 2000-09-20 | Tony Evans | Coded voucher for preventing transaction fraud |
GB2357730A (en) * | 1999-12-30 | 2001-07-04 | Ben Block | Pre-paid internet card |
GB2369800A (en) * | 2000-12-08 | 2002-06-12 | Post Office | Cash card with scratch off surfaces |
EP1423831A2 (fr) * | 2001-09-20 | 2004-06-02 | Igt | Point d'enregistrement de jeu sur un appareil de jeux de hasard |
GB2422935A (en) * | 2005-02-03 | 2006-08-09 | Marc Mckenzie | Pre-payment system for facilitating electronic commerce and anonymous transactions |
US10775895B2 (en) | 2011-11-07 | 2020-09-15 | Immersion Corporation | Systems and methods for multi-pressure interaction on touch-sensitive surfaces |
Citations (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
FR2665006A3 (fr) * | 1990-07-17 | 1992-01-24 | Kourtchevsky Georges | Mesures proposees pour la protection contre l'utilisation frauduleuse de cheques ou de placements anonymes (bons du tresor, etc...) voles ou perdus. |
EP0519374A1 (fr) * | 1991-06-18 | 1992-12-23 | MANTEGAZZA ANTONIO ARTI GRAFICHE S.r.l. | Document, tel un chèque ou similaire, avec moyens pour empêcher la contrefaçon |
-
1997
- 1997-04-02 AU AU23925/97A patent/AU2392597A/en not_active Abandoned
- 1997-04-02 WO PCT/FR1997/000585 patent/WO1998043825A1/fr active Application Filing
Patent Citations (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
FR2665006A3 (fr) * | 1990-07-17 | 1992-01-24 | Kourtchevsky Georges | Mesures proposees pour la protection contre l'utilisation frauduleuse de cheques ou de placements anonymes (bons du tresor, etc...) voles ou perdus. |
EP0519374A1 (fr) * | 1991-06-18 | 1992-12-23 | MANTEGAZZA ANTONIO ARTI GRAFICHE S.r.l. | Document, tel un chèque ou similaire, avec moyens pour empêcher la contrefaçon |
Cited By (9)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
GB2348036A (en) * | 1999-03-15 | 2000-09-20 | Tony Evans | Coded voucher for preventing transaction fraud |
GB2348036B (en) * | 1999-03-15 | 2001-03-28 | Tony Evans | Payment instruments |
GB2357730A (en) * | 1999-12-30 | 2001-07-04 | Ben Block | Pre-paid internet card |
GB2369800A (en) * | 2000-12-08 | 2002-06-12 | Post Office | Cash card with scratch off surfaces |
GB2369800B (en) * | 2000-12-08 | 2005-07-06 | Post Office | A cash card and a system and method using such a card |
EP1423831A2 (fr) * | 2001-09-20 | 2004-06-02 | Igt | Point d'enregistrement de jeu sur un appareil de jeux de hasard |
GB2422935A (en) * | 2005-02-03 | 2006-08-09 | Marc Mckenzie | Pre-payment system for facilitating electronic commerce and anonymous transactions |
GB2422935B (en) * | 2005-02-03 | 2009-08-19 | Marc Mckenzie | Payment means and system |
US10775895B2 (en) | 2011-11-07 | 2020-09-15 | Immersion Corporation | Systems and methods for multi-pressure interaction on touch-sensitive surfaces |
Also Published As
Publication number | Publication date |
---|---|
AU2392597A (en) | 1998-10-22 |
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