WO1998045818A3 - Method for using chip card memory units - Google Patents

Method for using chip card memory units Download PDF

Info

Publication number
WO1998045818A3
WO1998045818A3 PCT/EP1998/002044 EP9802044W WO9845818A3 WO 1998045818 A3 WO1998045818 A3 WO 1998045818A3 EP 9802044 W EP9802044 W EP 9802044W WO 9845818 A3 WO9845818 A3 WO 9845818A3
Authority
WO
WIPO (PCT)
Prior art keywords
data
cards
chip
programs
program
Prior art date
Application number
PCT/EP1998/002044
Other languages
German (de)
French (fr)
Other versions
WO1998045818A2 (en
Inventor
Hans-Diedrich Kreft
Michael Jenning
Uwe Wittig
Original Assignee
Angewandte Digital Elektronik
Kreft Hans Diedrich
Michael Jenning
Uwe Wittig
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 Angewandte Digital Elektronik, Kreft Hans Diedrich, Michael Jenning, Uwe Wittig filed Critical Angewandte Digital Elektronik
Priority to AU74300/98A priority Critical patent/AU7430098A/en
Publication of WO1998045818A2 publication Critical patent/WO1998045818A2/en
Publication of WO1998045818A3 publication Critical patent/WO1998045818A3/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
    • G06Q20/355—Personalisation of cards for use
    • G06Q20/3552—Downloading or loading of personalisation data
    • 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
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3572—Multiple accounts on card
    • 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

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Credit Cards Or The Like (AREA)
  • Techniques For Improving Reliability Of Storages (AREA)

Abstract

The invention relates to a method for using memory units in at least one electronic memory of various chip cards, comprising a semi-conductor chip, whereby the chip cards are linked to read/write terminals either without using contacts i.e. by means of electromagnetic alternating fields, or by using contacts, to exchange energy and data. CA type chip cards contain one or several programs (A...F). Electronic data (Bits) (DC) in the chip card memory is exchanged with electronic data (Bits) (DT) in TA type terminals. The programs (A...F) are used to exchange data and/or answer codes (DG) for financial operations between a terminal and A type chip card according to various methods (V1...Vn). An additional program (ZP) is available in type A cards, complementing existing programs (A...F). Said program carries out a data adjustment function whereby the data (DG) is converted into units (DZ) and the program (ZP) provides the cards with a new single method (VZ). Said method (VZ) enables the various other methods (V1...Vn) to be combined with the program (ZP) into a single method (VZ) which communicates in an identical, compatible and interoperable manner with all terminals containing programs for data exchange according to the single method (VZ).
PCT/EP1998/002044 1997-04-08 1998-04-08 Method for using chip card memory units WO1998045818A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU74300/98A AU7430098A (en) 1997-04-08 1998-04-08 Method for using chip card memory units

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
DE19714259.1 1997-04-08
DE1997114259 DE19714259C2 (en) 1997-04-08 1997-04-08 Method for using values as electronic storage units in chip cards
DEPCT/EP98/00020 1998-01-05

Publications (2)

Publication Number Publication Date
WO1998045818A2 WO1998045818A2 (en) 1998-10-15
WO1998045818A3 true WO1998045818A3 (en) 1999-05-20

Family

ID=7825663

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/EP1998/002044 WO1998045818A2 (en) 1997-04-08 1998-04-08 Method for using chip card memory units

Country Status (3)

Country Link
AU (1) AU7430098A (en)
DE (1) DE19714259C2 (en)
WO (1) WO1998045818A2 (en)

Families Citing this family (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1999019843A2 (en) 1997-10-15 1999-04-22 Angewandte Digital Elektronik Gmbh Method for using chip card memory units
DE19860203A1 (en) * 1998-12-24 2000-06-29 Deutsche Telekom Ag Procedure for the safe handling of monetary or value units with prepaid data carriers
DE10224209B4 (en) * 2002-05-31 2004-09-23 Infineon Technologies Ag Authorization means security module terminal system
DE10332682A1 (en) * 2003-07-18 2005-02-17 Giesecke & Devrient Gmbh Payment system for use with public transport tickets, especially electronic passes, has data carrier pass with integrated circuit and memory comprising number of discount units that can be applied to ticket purchases

Citations (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0159651A2 (en) * 1984-04-16 1985-10-30 Omron Tateisi Electronics Co. IC card and financial transaction processing system using IC card
DE4334152A1 (en) * 1993-05-28 1994-12-01 Mannesmann Ag Procedure for billing user fees for services using a value memory card
EP0662674A1 (en) * 1994-01-10 1995-07-12 France Telecom Transactions system comprising terminals and memory cards and corresponding memory cards
EP0666549A1 (en) * 1994-02-04 1995-08-09 Mastercard International, Inc. System and method for conducting cashless transactions
EP0717381A1 (en) * 1994-12-16 1996-06-19 Mastercard International, Inc. System and method for processing customized financial transaction card
EP0723240A1 (en) * 1995-01-23 1996-07-24 France Telecom Terminal with card reader and multiple application processing method with this terminal
WO1996036024A1 (en) * 1995-05-12 1996-11-14 Koninklijke Ptt Nederland N.V. Electronic payment system having several calculation units, electronic payment means, as well as a method for electronic payment
WO1996038825A1 (en) * 1995-05-30 1996-12-05 Syseca S.A. Protected smart card
WO1997005582A1 (en) * 1995-07-31 1997-02-13 Keycorp Limited Remote smartcard terminal link

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE3628253A1 (en) * 1986-08-20 1988-02-25 Bosch Gmbh Robert Dispensing system for goods or services which has electronic storage and control devices operable by means of value cards (chip cards)
FR2632752B1 (en) * 1988-06-08 1991-12-06 Parienti Raoul MEMORY BI-MODULE CHIP CARD
DE4243851A1 (en) * 1992-12-23 1994-06-30 Deutsche Bundespost Telekom Method for transferring amounts of book money to and from chip cards

Patent Citations (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0159651A2 (en) * 1984-04-16 1985-10-30 Omron Tateisi Electronics Co. IC card and financial transaction processing system using IC card
DE4334152A1 (en) * 1993-05-28 1994-12-01 Mannesmann Ag Procedure for billing user fees for services using a value memory card
EP0662674A1 (en) * 1994-01-10 1995-07-12 France Telecom Transactions system comprising terminals and memory cards and corresponding memory cards
EP0666549A1 (en) * 1994-02-04 1995-08-09 Mastercard International, Inc. System and method for conducting cashless transactions
EP0717381A1 (en) * 1994-12-16 1996-06-19 Mastercard International, Inc. System and method for processing customized financial transaction card
EP0723240A1 (en) * 1995-01-23 1996-07-24 France Telecom Terminal with card reader and multiple application processing method with this terminal
WO1996036024A1 (en) * 1995-05-12 1996-11-14 Koninklijke Ptt Nederland N.V. Electronic payment system having several calculation units, electronic payment means, as well as a method for electronic payment
WO1996038825A1 (en) * 1995-05-30 1996-12-05 Syseca S.A. Protected smart card
WO1997005582A1 (en) * 1995-07-31 1997-02-13 Keycorp Limited Remote smartcard terminal link

Also Published As

Publication number Publication date
DE19714259A1 (en) 1999-02-04
DE19714259C2 (en) 2000-08-31
WO1998045818A2 (en) 1998-10-15
AU7430098A (en) 1998-10-30

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