WO1999019843A3 - Verfahren zur nutzung von speichereinheiten von chipkarten - Google Patents

Verfahren zur nutzung von speichereinheiten von chipkarten Download PDF

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Publication number
WO1999019843A3
WO1999019843A3 PCT/DE1998/003027 DE9803027W WO9919843A3 WO 1999019843 A3 WO1999019843 A3 WO 1999019843A3 DE 9803027 W DE9803027 W DE 9803027W WO 9919843 A3 WO9919843 A3 WO 9919843A3
Authority
WO
WIPO (PCT)
Prior art keywords
chip card
terminal
institution
units
identifier
Prior art date
Application number
PCT/DE1998/003027
Other languages
English (en)
French (fr)
Other versions
WO1999019843A2 (de
Inventor
Hans-Diedrich Kreft
Original Assignee
Angewandte Digital Elektronik
Kreft Hans Diedrich
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
Priority claimed from DE1997145267 external-priority patent/DE19745267A1/de
Application filed by Angewandte Digital Elektronik, Kreft Hans Diedrich filed Critical Angewandte Digital Elektronik
Priority to DE19881492T priority Critical patent/DE19881492D2/de
Publication of WO1999019843A2 publication Critical patent/WO1999019843A2/de
Publication of WO1999019843A3 publication Critical patent/WO1999019843A3/de

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)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General 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)

Abstract

Die Erfindung betrifft ein additives Verfahren zum Nutzen eines elektronischen Speichers von Chipkarten, die kontaktlos und/oder kontaktbehaftet mit Terminals gekoppelt werden und Energie und Daten austauschen. Eine Chipkarte tauscht mit einem Terminal einer ersten Institution Daten aus, indem das Terminal der Chipkarte eine Kennung und die Chipkarte dem Terminal ebenfalls eine Kennung übermittelt. Vom Terminal wird eine Anzahl von Nutzungseinheiten und/oder Geldeinheiten gemeinsam unter der Kennung in den Speicher der Chipkarte additiv geladen, wobei vom Terminal die NE/GE gemeinsam einer zweiten Institution zur Verfügung gestellt werden, die aus den empfangenen Daten die erste Institution und eindeutig ein Konto und/oder einen Karteninhaber ermittelt, so daß die NE/GE gutgeschrieben werden können.
PCT/DE1998/003027 1997-10-15 1998-10-15 Verfahren zur nutzung von speichereinheiten von chipkarten WO1999019843A2 (de)

Priority Applications (1)

Application Number Priority Date Filing Date Title
DE19881492T DE19881492D2 (de) 1997-10-15 1998-10-15 Verfahren zur Nutzung von Speichereinheiten von Chipkarten

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE19745267.1 1997-10-15
DE1997145267 DE19745267A1 (de) 1997-04-08 1997-10-15 Verfahren zur Nutzung von Speichereinheiten von Chipkarten

Publications (2)

Publication Number Publication Date
WO1999019843A2 WO1999019843A2 (de) 1999-04-22
WO1999019843A3 true WO1999019843A3 (de) 1999-10-14

Family

ID=7845454

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/DE1998/003027 WO1999019843A2 (de) 1997-10-15 1998-10-15 Verfahren zur nutzung von speichereinheiten von chipkarten

Country Status (2)

Country Link
DE (1) DE19881492D2 (de)
WO (1) WO1999019843A2 (de)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8719153B2 (en) 2002-09-04 2014-05-06 Mainline Corporate Holdings Limited Method and system for transferring funds

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6655587B2 (en) 2001-03-21 2003-12-02 Cubic Corporation Customer administered autoload

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0223213A2 (de) * 1985-11-19 1987-05-27 Siemens Aktiengesellschaft Verfahren zur Auswertung von auf Kreditkarten gespeicherten Einheiten
EP0253240A1 (de) * 1986-07-03 1988-01-20 OMRON Corporation Verkaufsstellenterminal
EP0363122A2 (de) * 1988-10-03 1990-04-11 Fujitsu Limited Transaktionsbeglaubigungssystem
US4941090A (en) * 1989-01-27 1990-07-10 Mccarthy Patrick D Centralized consumer cash value accumulation system for multiple merchants
WO1995021428A1 (en) * 1994-02-04 1995-08-10 Card One Development Company Method and system for allocating and redeeming incentive credits
GB2287565A (en) * 1994-03-18 1995-09-20 Transmo Limited Card charging system
EP0789337A2 (de) * 1996-02-09 1997-08-13 Alcatel Chip-Karte, Verfahren und System zur Nutzung von kostenpflichtigen Diensten

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2632752B1 (fr) 1988-06-08 1991-12-06 Parienti Raoul Carte a puce bi-module memoire
DE4243851A1 (de) 1992-12-23 1994-06-30 Deutsche Bundespost Telekom Verfahren zum Transferieren von Buchgeldbeträgen auf und von Chipkarten
DE19714259C2 (de) 1997-04-08 2000-08-31 Angewandte Digital Elektronik Verfahren zum Nutzen von Werten als elektronische Speichereinheiten in Chipkarten

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0223213A2 (de) * 1985-11-19 1987-05-27 Siemens Aktiengesellschaft Verfahren zur Auswertung von auf Kreditkarten gespeicherten Einheiten
EP0253240A1 (de) * 1986-07-03 1988-01-20 OMRON Corporation Verkaufsstellenterminal
EP0363122A2 (de) * 1988-10-03 1990-04-11 Fujitsu Limited Transaktionsbeglaubigungssystem
US4941090A (en) * 1989-01-27 1990-07-10 Mccarthy Patrick D Centralized consumer cash value accumulation system for multiple merchants
WO1995021428A1 (en) * 1994-02-04 1995-08-10 Card One Development Company Method and system for allocating and redeeming incentive credits
GB2287565A (en) * 1994-03-18 1995-09-20 Transmo Limited Card charging system
EP0789337A2 (de) * 1996-02-09 1997-08-13 Alcatel Chip-Karte, Verfahren und System zur Nutzung von kostenpflichtigen Diensten

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8719153B2 (en) 2002-09-04 2014-05-06 Mainline Corporate Holdings Limited Method and system for transferring funds

Also Published As

Publication number Publication date
DE19881492D2 (de) 2000-11-16
WO1999019843A2 (de) 1999-04-22

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