WO2001018756A1 - Instantly rechargeable electronic purse - Google Patents

Instantly rechargeable electronic purse Download PDF

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Publication number
WO2001018756A1
WO2001018756A1 PCT/FR2000/000072 FR0000072W WO0118756A1 WO 2001018756 A1 WO2001018756 A1 WO 2001018756A1 FR 0000072 W FR0000072 W FR 0000072W WO 0118756 A1 WO0118756 A1 WO 0118756A1
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WO
WIPO (PCT)
Prior art keywords
reserve
card
balance
payment
electronic purse
Prior art date
Application number
PCT/FR2000/000072
Other languages
French (fr)
Inventor
Pierre Fersztand
Original Assignee
Societe Europeenne De La Monnaie Electronique
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 Societe Europeenne De La Monnaie Electronique filed Critical Societe Europeenne De La Monnaie Electronique
Priority to AU30542/00A priority Critical patent/AU3054200A/en
Publication of WO2001018756A1 publication Critical patent/WO2001018756A1/en

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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
    • G07F7/0866—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 active credit-cards adapted therefor
    • 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
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • 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

Definitions

  • the present invention relates to a device for adding to any chip or microprocessor payment cards, an electronic purse actuated according to the amount of the purchase and rechargeable immediately and at any time at the point of sale.
  • the method of replenishing the electronic purse by loading at the point of sale cannot be carried out offline, but only online, with interrogation of the central system.
  • This compulsory mode has the disadvantage of requiring for those purchases of small importance settled today in cash and which require a preliminary reconstitution of the electronic value (available amount), penalizing delays for buyers and traders.
  • the device of the invention overcomes these drawbacks.
  • a first characteristic it in fact allows an electronic replenishment of the wallet, which is carried out according to two modes, namely a classic mode (online) and a new mode by the reserve reserve (offline).
  • the replenishment that results from one or other of its modes is immediate and transparent to the user.
  • Replenishment at the point of sale can only be offered on a card backed by a bank account.
  • the top-up is of a predefined fixed amount and is only offered on the occasion of a payment made either by electronic purse or by bank card, the online call being in the latter case an opportunity to '' immediate recharging.
  • the immediate top-up is made up of alternating top-ups online at points of sale and off-line reserve arrangements, allowing security and speed to be reconciled.
  • Reloading takes place at the sight of the display of a single balance which is the algebraic sum of two electronic purses with possibilities on the one hand, to modify from the central system the commercial parameters or the security keys of the card, to which is assigned a "file" of information entered in post-personalization by entities equipped with adequate equipment and, on the other hand, to use the data in this file at the time of payment by electronic wallet, for example to determine a specific tariff.
  • the device combines two wallets, one with contact (online), the other without contact (offline) but the use of which is limited in amount or in number of consecutive uses.
  • the purse which can have a negative balance is of limited use in amount or in number of consecutive uses.
  • the electronic purse which does not allow incremental payment is of limited use in amount or in number of consecutive uses.
  • the device according to the invention comprises in the first place a reserve of the electronic purse, which is practically presented as an electronic purse complementary to the existing electronic purse, and which at the level of the card, materializes by the existence a second balance, the content of which varies according to use.
  • the algebraic sum of card balances is never negative.
  • the essential innovation is that, unlike the electronic purse previously developed, in which the loading is carried out online and under superior security conditions, the increment of the balance of the reserve is carried out offline and to the point of sale, in a secure environment of the level of payment, the load then qualifying as "reserve reserve".
  • the reserve is a fixed amount per card, known to the holder and capped at a certain number of occurrences.
  • online loading is necessary.
  • the reserve proposal can only take place when a payment is made (bank card or electronic wallet).
  • Point-of-sale payment terminals can offer online loading onto cards whose reserve-building capacity has been exhausted.
  • the replenishment of an electronic purse at the point of sale is automated (triggering of the proposal and fixed amount).
  • the proposal to set up a reserve (or loading) is made when either the balance of the electronic purse is small, or the amount of a payment is greater than the balance of the electronic purse.
  • the type of replenishment of the card (reserve or loading) is transparent to the holder.
  • the reserve can only be set up in an automated proposal mechanism for replenishment at the point of sale when paying by electronic wallet or bank card. It cannot be carried out on an anonymous card. Access to the reserve functionality in a card is customizable to the personalization of the issuer's choice. In these cards, the reserve function is an addition to the existing application. Additional keys are created to initialize and build the pool. A reserve transaction certificate is calculated by the security module of the merchant card.
  • a reserve creation operation takes place as follows.
  • An automatic proposal algorithm is carried out by the payment terminal, for example the card during a payment transaction.
  • a proposal to immediately load a fixed amount (reserve reserve) is then made to the bearer if the balance of his electronic wallet is low, that is to say of a value less than a predefined amount. In the case of a payment by electronic wallet, it is the balance after payment which is used for control to offer this reload.
  • a reserve results in the creation of a specific and identifiable record, in a format close to that of payment.
  • This record contains all the information relating to the operation, including the amount, time stamp, certificates and values of the meters after the reserve operation.
  • Reserve movements are telecollected by the company that proposed and developed this process, at the same time as the unit payments made on the terminal, at least once a day.
  • the native electronic wallet is requested in priority. Any payment transaction, whether or not using the reserve, results in the creation of a classic payment record, the amount of which is that of the payment transaction, regardless of the source of the economic value: balance of the wallet native electronic or reserve balance.
  • Certificates are calculated conventionally on this amount.
  • the two balances (native and reserve) are requested and decremented by the respective amounts of the payments taken from the conventional balance and from the payments taken from the balance of the reserve.
  • the payment record therefore contains, as payment amount, on the one hand the algebraic sum of the two previous amounts and on the other hand, the amount of payments taken from the balance of the reserve, the current value of the counter indicating the number reserve sequence, the two card balances, the classic balance and the balance of the reserve.
  • the device according to the invention secondly comprises a system for monitoring reserve stocks which is carried out at two levels by:
  • the history of reserve constitutions is monitored at the level of a separate module, ie centralized monitoring of reserve constitutions.
  • the data indicating the sequence number of the reserve and the balance concerning the reserve of the card are also systematically reported during each payment and loading.
  • the system enables the central system to have immediate knowledge of the reserves created.
  • Centralized monitoring of electronic wallet balances takes into account reserves whose traceability is unitary.
  • the device comprises, thirdly, a system for recovering reserve operations. With each transaction of the electronic wallet received by the central system, the following processing is carried out:
  • the device comprises a payment terminal, a payment card, a native electronic purse carried on the card with contact, an electronic purse constituting the reserve and without contact, an overall balance of the purses electronic money, two counters, a system for linking with the central system for monitoring electronic purses, and a system for collecting reserve transactions.
  • the method has the advantage of combining two electronic purses, one with very secure, but not immediate, recharging, the other with immediate but less secure loading and limited use in amount or number of consecutive recharges.
  • the process is more particularly intended for the banking sector and for all retail activities.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention concerns a device for enable to add to all chip or microprocessor pay cards an electronic purse actuated on the basis of the value of the purchase and instantly rechargeable at any time on the site of the sale outlet. The device firstly comprises reserve funds for the electronic purse, which is almost in the form of a complementary electronic purse for the current electronic purse, and which, at the card level, is physically represented by a second balance whereof the content varies according to use.

Description

Porte-monnaie électronique immédiatement rechargeable Instantly rechargeable electronic wallet
La présente invention concerne un dispositif pour permettre d'adjoindre à toutes cartes de paiement à puce ou à microprocesseur, un porte-monnaie électronique actionné en fonction du montant de l'achat et rechargeable immédiatement et à tout moment au point de vente. Selon l'état de la technique antérieure, le mode de réapprovisionnement du porte- monnaie électronique par chargement au point de vente ne peut s'effectuer hors ligne, mais seulement en ligne, avec interrogation du système central.The present invention relates to a device for adding to any chip or microprocessor payment cards, an electronic purse actuated according to the amount of the purchase and rechargeable immediately and at any time at the point of sale. According to the state of the prior art, the method of replenishing the electronic purse by loading at the point of sale cannot be carried out offline, but only online, with interrogation of the central system.
Ce mode obligé présente l'inconvénient d'exiger pour ceux des achats de faible importance réglés aujourd'hui en espèces et qui nécessitent une reconstitution préalable de la valeur électronique (montant disponible), des délais pénalisants pour les acheteurs et les commerçants.This compulsory mode has the disadvantage of requiring for those purchases of small importance settled today in cash and which require a preliminary reconstitution of the electronic value (available amount), penalizing delays for buyers and traders.
Le dispositif de l'invention permet de remédier à ces inconvénients.The device of the invention overcomes these drawbacks.
Il permet en effet selon une première caractéristique un réapprovisionnement en valeur électronique du porte-monnaie, qui se réalise selon deux modes, à savoir un mode classique (en ligne) et un mode nouveau par la constitution de réserve (hors ligne). Le réapprovisionnement qui résulte de l'un ou l'autre de ses modes est immédiat et transparent au yeux de l'utilisateur.According to a first characteristic, it in fact allows an electronic replenishment of the wallet, which is carried out according to two modes, namely a classic mode (online) and a new mode by the reserve reserve (offline). The replenishment that results from one or other of its modes is immediate and transparent to the user.
Le réapprovisionnement au point de vente ne peut être proposé que sur une carte adossée à un compte bancaire.Replenishment at the point of sale can only be offered on a card backed by a bank account.
Le rechargement est d'un montant fixe prédéfini et n'est proposé qu'à l'occasion d'un paiement réalisé indifféremment par porte-monnaie électronique ou par carte bancaire, l'appel en ligne étant dans ce dernier cas l'occasion d'un rechargement immédiat. Le rechargement immédiat est composé d'une alternance de rechargements en ligne aux points de vente et de constitutions de réserve hors ligne, permettant de concilier sécurité et rapidité.The top-up is of a predefined fixed amount and is only offered on the occasion of a payment made either by electronic purse or by bank card, the online call being in the latter case an opportunity to '' immediate recharging. The immediate top-up is made up of alternating top-ups online at points of sale and off-line reserve arrangements, allowing security and speed to be reconciled.
Le rechargement s'effectue à la vue de l'affichage d'un seul solde qui est la somme algébrique de deux porte-monnaie électroniques avec possibilités d'une part, de modifier à partir du système central les paramètres commerciaux ou les clés sécuritaires de la carte, à laquelle est affectée un « dossier » d'informations entrées en postpersonnalisation par des entités dotées d'un matériel adéquat et, d'autre part d'utiliser les données de ce dossier au moment du paiement par porte-monnaie électronique, par exemple pour déterminer un tarif spécifique. Le dispositif combine deux porte-monnaie, l'un à contact (en ligne), l'autre sans contact (hors ligne) mais dont l'utilisation est limitée en montant ou en nombre d'utilisations consécutives.' Le porte-monnaie pouvant avoir un solde négatif est d'utilisation limitée en montant ou en nombre d'utilisations consécutives. Le porte- monnaie électronique ne permettant pas le paiement incrémental est d'utilisation limitée en montant ou en nombre d'utilisations consécutives.Reloading takes place at the sight of the display of a single balance which is the algebraic sum of two electronic purses with possibilities on the one hand, to modify from the central system the commercial parameters or the security keys of the card, to which is assigned a "file" of information entered in post-personalization by entities equipped with adequate equipment and, on the other hand, to use the data in this file at the time of payment by electronic wallet, for example to determine a specific tariff. The device combines two wallets, one with contact (online), the other without contact (offline) but the use of which is limited in amount or in number of consecutive uses. ' The purse which can have a negative balance is of limited use in amount or in number of consecutive uses. The electronic purse which does not allow incremental payment is of limited use in amount or in number of consecutive uses.
Le dispositif selon l'invention comprend en premier lieu une réserve du porte- monnaie électronique, qui se présente pratiquement comme un porte-monnaie électronique complémentaire du porte-monnaie électronique existant, et qui au niveau de la carte, se matérialise par l'existence d'un deuxième solde dont le contenu varie en fonction de l'utilisation. La somme algébrique des soldes de la carte n'est jamais négative. L'innovation essentielle est que, contrairement au porte-monnaie électronique mis au point antérieurement, dans lequel le chargement s'effectue en ligne et dans des conditions sécuritaires supérieures, l'incrémentation du solde de la réserve s'effectue hors ligne et au point de vente, dans un environnement sécuritaire du niveau de celui du paiement, le chargement se qualifiant alors de « constitution de réserve ».The device according to the invention comprises in the first place a reserve of the electronic purse, which is practically presented as an electronic purse complementary to the existing electronic purse, and which at the level of the card, materializes by the existence a second balance, the content of which varies according to use. The algebraic sum of card balances is never negative. The essential innovation is that, unlike the electronic purse previously developed, in which the loading is carried out online and under superior security conditions, the increment of the balance of the reserve is carried out offline and to the point of sale, in a secure environment of the level of payment, the load then qualifying as "reserve reserve".
La réserve est un montant fixe par carte, connu du porteur et plafonné à un certain nombre d'occurrences. Pour que la réserve soit initialisée de nouveau, un chargement en ligne est nécessaire. La proposition de réserve ne peut avoir lieu qu'à l'occasion d'un paiement (carte bancaire ou porte-monnaie électronique). Les terminaux de paiement au point de vente peuvent proposer un chargement en ligne sur des cartes dont la capacité de constitution de réserve est épuisée. Que ce soit en constitution de réserve ou en chargement en ligne, le réapprovisionnement d'un porte-monnaie électronique au point de vente est automatisé (déclenchement de la proposition et montant fixe). La proposition de constitution de réserve (ou de chargement) se fait lorsque soit le solde du porte-monnaie électronique est faible, soit le montant d'un paiement est supérieur au solde du porte-monnaie électronique. Le type de réapprovisionnement de la carte (réserve ou chargement) est transparent pour le porteur. La constitution de réserve ne peut être effectuée que dans un mécanisme de proposition automatisée de réapprovisionnement au point de vente à l'occasion d'un paiement par porte-monnaie électronique ou par carte bancaire. Elle ne peut être réalisée sur une carte anonyme. L'accès à la fonctionnalité réserve dans une carte est paramétrable à la personnalisation au choix de l'émetteur. Dans ces cartes, la fonction réserve est un ajout dans l'application existante. Des clés supplémentaires sont créées pour initialiser et constituer la réserve. Un certificat de transaction de réserve est calculé par le module de sécurité de la carte commerçant.The reserve is a fixed amount per card, known to the holder and capped at a certain number of occurrences. In order for the reserve to be initialized again, online loading is necessary. The reserve proposal can only take place when a payment is made (bank card or electronic wallet). Point-of-sale payment terminals can offer online loading onto cards whose reserve-building capacity has been exhausted. Whether in reserve or online loading, the replenishment of an electronic purse at the point of sale is automated (triggering of the proposal and fixed amount). The proposal to set up a reserve (or loading) is made when either the balance of the electronic purse is small, or the amount of a payment is greater than the balance of the electronic purse. The type of replenishment of the card (reserve or loading) is transparent to the holder. The reserve can only be set up in an automated proposal mechanism for replenishment at the point of sale when paying by electronic wallet or bank card. It cannot be carried out on an anonymous card. Access to the reserve functionality in a card is customizable to the personalization of the issuer's choice. In these cards, the reserve function is an addition to the existing application. Additional keys are created to initialize and build the pool. A reserve transaction certificate is calculated by the security module of the merchant card.
Une opération de constitution de réserve se déroule comme suit. Un algorithme de proposition automatique est déroulé par le terminal de paiement, par exemple la carte à l'occasion d'une transaction de paiement. Une proposition de chargement immédiat d'un montant fixe (constitution de réserve) est ensuite faite au porteur si le solde de son porte-monnaie électronique est faible, c'est à dire d'une valeur inférieure à un montant prédéfini. Dans le cas d'un paiement par porte-monnaie électronique, c'est le solde après paiement qui sert au contrôle pour proposer ce rechargement.A reserve creation operation takes place as follows. An automatic proposal algorithm is carried out by the payment terminal, for example the card during a payment transaction. A proposal to immediately load a fixed amount (reserve reserve) is then made to the bearer if the balance of his electronic wallet is low, that is to say of a value less than a predefined amount. In the case of a payment by electronic wallet, it is the balance after payment which is used for control to offer this reload.
Si le porteur accepte la proposition de constitution de réserve, il doit valider en composant son code confidentiel. La constitution de réserve se traduit par la création d'un enregistrement spécifique et identifiable, d'un format proche de celui du paiement. Cet enregistrement contient toutes les informations relatives à l'opération, parmi lesquelles les montant, horόdotage, certificats et valeurs des compteurs après opération de réserve.If the holder accepts the proposal to set up a reserve, he must validate it by entering his confidential code. The creation of a reserve results in the creation of a specific and identifiable record, in a format close to that of payment. This record contains all the information relating to the operation, including the amount, time stamp, certificates and values of the meters after the reserve operation.
Les certificats font l'objet de procédures de vérification.Certificates are subject to verification procedures.
Les mouvements de réserve sont télécollectés par la société ayant proposé et mis au point le présent procédé, en même temps que les paiements unitaires effectués sur le terminal, au moins une fois par jour.Reserve movements are telecollected by the company that proposed and developed this process, at the same time as the unit payments made on the terminal, at least once a day.
Pris en compte par les systèmes centraux, notamment bancaires, des mouvements de réserve alimentent les comptes miroirs des réserves et servent à générer le mouvement financier de débit de la banque porteur au profit de la SFPMEI. La procédure de rechargement express en ligne est identique pour le porteur (validation de la proposition + proposition + saisie du code).Taken into account by central systems, in particular banking systems, reserve movements feed the reserve mirror accounts and are used to generate the debit financial movement of the lead bank for the benefit of SFPMEI. The procedure for express reloading online is identical for the holder (validation of the proposal + proposal + entry of the code).
Lors d'un paiement, le porte-monnaie électronique natif est sollicité en priorité. Toute opération de paiement, utilisant ou non la réserve, aboutit à la création d'un enregistrement classique de paiement, dont le montant est celui de l'opération de paiement, quelle que soit la provenance de la valeur économique : solde du porte- monnaie électronique natif ou solde de la réserve.During a payment, the native electronic wallet is requested in priority. Any payment transaction, whether or not using the reserve, results in the creation of a classic payment record, the amount of which is that of the payment transaction, regardless of the source of the economic value: balance of the wallet native electronic or reserve balance.
Les certificats sont calculés de manière classique sur ce montant. Sur un terminal de la société proposant le présent procédé, pour une carte du pilote, les deux soldes (natif et réserve) sont sollicités et décrémentés des montants respectifs des paiements pris sur le solde classique et des paiements pris sur le solde de la réserve. L'enregistrement de paiement contient donc, comme montant du paiement, d'une part la somme algébrique des deux montants précédents et d'autre part, le montant des paiements pris sur le solde de la réserve, la valeur courante du compteur indiquant le numéro de séquence de réserve, les deux soldes de la carte, soit le solde classique et le solde de la réserve.Certificates are calculated conventionally on this amount. On a terminal of the company offering the present process, for a pilot card, the two balances (native and reserve) are requested and decremented by the respective amounts of the payments taken from the conventional balance and from the payments taken from the balance of the reserve. The payment record therefore contains, as payment amount, on the one hand the algebraic sum of the two previous amounts and on the other hand, the amount of payments taken from the balance of the reserve, the current value of the counter indicating the number reserve sequence, the two card balances, the classic balance and the balance of the reserve.
Lors d'une opération de chargement en ligne, l'existence de la réserve est sans incidence sur le mécanisme de chargement classique du porte-monnaie électronique natif. En revanche, deux adjonctions s'imposent, à savoir, la remise à zéro sur la carte du compteur indiquant le nombre de constitutions de réserve hors-ligne et la transmission vers le central des informations, valeur en numéro de séquence de la réserve et solde de la réserve. Au niveau des systèmes centraux, la seule nouveauté est la prise en compte en différé de ces informations par les comptes miroirs de la réserve.During an online loading operation, the existence of the reserve has no effect on the conventional loading mechanism of the native electronic purse. However, two additions are necessary, namely, resetting to zero on the counter card indicating the number of off-line reserve constitutions and the transmission to the central office of information, value in sequence number of the reserve and balance of the reserve. At the level of central systems, the only novelty is the deferred consideration of this information by the mirror accounts of the reserve.
Le dispositif selon l'invention comprend en deuxième lieu un système de suivi des encours de Réserve qui s'effectue à deux niveaux par :The device according to the invention secondly comprises a system for monitoring reserve stocks which is carried out at two levels by:
- une adjonction sur la carte bancaire de paiement de deux nouveaux compteurs, l'un indiquant combien de constitutions de réserve ont été effectuées par la carte depuis la dernière opération (de chargement) en ligne, l'autre indiquant séquentiellement combien de constitutions de réserve ont été effectuées par la carte, depuis sa fabrication,- an addition to the payment card of two new counters, one indicating how many reserve constitutions have been made by the card since the last online (loading) operation, the other indicating sequentially how many reserve constitutions have been made by the card, since its manufacture,
- une remontée et un traitement au niveau du système central, d'informations nouvelles : • un numéro de séquence de réserve, indiquant séquentiellement combien de constitutions de réserve ont été effectuées par la carte depuis sa fabrication,- feedback and processing at the central system level, of new information: • a reserve sequence number, sequentially indicating how many reserve constitutions have been made by the card since its manufacture,
. accessoirement, le solde de réserve de la carte et le solde de chargements en ligne (natif) de la carte.. incidentally, the reserve balance of the card and the online load balance (native) of the card.
Selon le système de suivi des réserves dans le système central, l'historique des constitutions de réserve est suivi au niveau d'un module séparé, soit un suivi centralisé des constitutions de réserve. Les données indiquant le numéro de séquence de la réserve et le solde concernant la réserve de la carte sont également remontées systématiquement lors de chaque paiement et chargement.According to the reserve monitoring system in the central system, the history of reserve constitutions is monitored at the level of a separate module, ie centralized monitoring of reserve constitutions. The data indicating the sequence number of the reserve and the balance concerning the reserve of the card are also systematically reported during each payment and loading.
Le dispositif permet au système central d'avoir connaissance sans délai des réserves constituées. Le suivi centralisé des soldes des porte-monnaie électronique tient compte des réserves dont la traçabilité est unitaire. Le dispositif comprend en troisième lieu un système de recouvrement des opérations de réserve. A chaque transaction du porte-monnaie électronique reçue par le système central, le traitement suivant est effectué :The system enables the central system to have immediate knowledge of the reserves created. Centralized monitoring of electronic wallet balances takes into account reserves whose traceability is unitary. The device comprises, thirdly, a system for recovering reserve operations. With each transaction of the electronic wallet received by the central system, the following processing is carried out:
- contrôle de la nouvelle valeur portant numéro de séquence de Réserve par rapport à celle connue.- control of the new value carrying sequence number Reserve compared to that known.
- sur un flux de type paiement, si la valeur de la constitution de réserve du dernier mouvement reçu est supérieure à celle connue, cela signifie qu'il y a eu constitution de réserve depuis la dernière reçue par le système central. De cette information connue, le processus suivant est mis en oeuvre : crédit immédiat de la SFPME1 par le débit d'un compte technique de la banque émetteur du porte-monnaie électronique à la société proposant le présent procédé, envoi des débits porteurs directs que sur réception d'une transaction de réserve (intégrant son certificat) ou expiration d'un délai d'attente, constitution d'un fichier suivi des réserves en attente (débitées à l'émetteur mais non dénouées vers le porteur). - historisation des opérations pour leur suivi.- on a payment type flow, if the value of the reserve constitution of the last movement received is greater than that known, this means that there has been a reserve constitution since the last received by the central system. From this known information, the following process is implemented: immediate credit of the SFPME1 by debiting a technical account of the bank issuing the electronic purse to the company offering the present process, sending direct carrier debits only on receipt of a reserve transaction (including its certificate) or expiration of a waiting period, constitution of a file followed by pending reserves (debited to the issuer but not settled to the holder). - historization of operations for their follow-up.
Le schéma annexé illustre l'invention.The attached diagram illustrates the invention.
En référence à ce dessin, le dispositif comporte un terminal de paiement, une carte de paiement, un porte-monnaie électronique natif porté sur la carte avec contact, un porte-monnaie électronique constituant la réserve et sans contact, un solde global des porte-monnaie électroniques, deux compteurs, un système de liaison avec le système central de suivi des porte-monnaie électroniques, et un système de recouvrement des opérations de réserve.With reference to this drawing, the device comprises a payment terminal, a payment card, a native electronic purse carried on the card with contact, an electronic purse constituting the reserve and without contact, an overall balance of the purses electronic money, two counters, a system for linking with the central system for monitoring electronic purses, and a system for collecting reserve transactions.
Le procédé présente l'avantage de combiner deux porte-monnaie électroniques, l'un à rechargement très sécurisé, mais non immédiat, l'autre à chargement immédiat mais moins sécurisé et à utilisation limitée en montant ou en nombre de rechargements consécutifs.The method has the advantage of combining two electronic purses, one with very secure, but not immediate, recharging, the other with immediate but less secure loading and limited use in amount or number of consecutive recharges.
Le procédé est plus particulièrement destiné au secteur bancaire et à toutes les activités de commerce de détail. The process is more particularly intended for the banking sector and for all retail activities.

Claims

REVENDICATIONS
1 ) Dispositif pour adjoindre à toute carte de paiement à puce ou à microprocesseur un porte-monnaie électronique rechargeable immédiatement et à tout moment, au point de vente.1) Device for adding any rechargeable electronic card to any chip or microprocessor payment card immediately and at any time, at the point of sale.
2) Dispositif selon la revendication qui précède, caractérisé en ce que le réapprovisionnement permettant d'augmenter le solde du porte-monnaie électronique a lieu soit par chargement « classique » en ligne (1), soit par constitution de réserve hors ligne (2). 3) Dispositif selon l'une quelconque des revendications qui précèdent, caractérisé en ce que l'usage de l'un ou l'autre des deux modes alternatifs en ligne ou hors ligne, de chargement immédiat du porte-monnaie électronique au point de vente, s'opère de façon transparente pour le client.2) Device according to the preceding claim, characterized in that the replenishment making it possible to increase the balance of the electronic purse takes place either by “conventional” loading online (1), or by constitution of reserve offline (2) . 3) Device according to any one of the preceding claims, characterized in that the use of one or the other of the two alternative modes online or offline, of immediate loading of the electronic purse at the point of sale , operates transparently for the client.
4) Dispositif selon l'une des revendications qui précèdent, caractérisé en ce que l'inscription « fin » apparaît lorsque la carte n'est pas ou plus autorisée à constituer des réserves (3).4) Device according to one of the preceding claims, characterized in that the inscription "end" appears when the card is not or no longer authorized to constitute reserves (3).
5) Dispositif selon l'une quelconque des revendications qui précèdent, caractérisé en ce que la constitution de réserve est proposée de façon automatisée par des terminaux de paiement au point de vente, sous certains critères. 6) Dispositif selon l'une quelconque des revendications qui précèdent, caractérisé en ce que la proposition de constitution de réserve (ou de chargement) n'est présentée que lorsque le montant du solde du porte-monnaie électronique est faible ou lorsque le montant d'un achat est supérieur au solde du porte-monnaie électronique (4). 7) Dispositif selon l'une quelconque des revendications qui précèdent, caractérisé en ce qu'un système de traitement des constitutions de réserves hors ligne dans le système central regroupe les informations suivantes : identifiant d'une constitution de réserve, nombre de réserves déjà constituées pour la carte depuis le dernier chargement en ligne, identifiant d'un paiement, date de la constitution de la réserve.5) Device according to any one of the preceding claims, characterized in that the reserve reserve is offered automatically by payment terminals at the point of sale, under certain criteria. 6) Device according to any one of the preceding claims, characterized in that the proposal to set up a reserve (or loading) is only presented when the amount of the balance of the electronic purse is low or when the amount of '' a purchase is greater than the balance of the electronic purse (4). 7) Device according to any one of the preceding claims, characterized in that a system for processing off-reserve reserves in the central system includes the following information: identifier of a reserve constitution, number of reserves already constituted for the card since the last online loading, identifier of a payment, date of the constitution of the reserve.
8) Dispositif selon l'une quelconque des revendications qui précèdent, caractérisé en ce que toute opération de paiement, même si elle utilise la réserve, aboutit à la création d'un enregistrement classique de paiement, dont le montant est celui de l'opération de paiement, quelle que soit la provenance de la valeur électronique, solde du porte-monnaie électronique natif ou solde la réserve (5).8) Device according to any one of the preceding claims, characterized in that any payment transaction, even if it uses the reserve, results in the creation of a conventional payment record, the amount of which is that of the transaction regardless of the origin of the electronic value, balance of the native electronic wallet or balance of the reserve (5).
9) Dispositif selon l'une quelconque des revendications qui précèdent, caractérisé en ce que le réapprovisionnement au point de vente ne puisse être proposé que sur une carte adossée à un compte bancaire, la constitution de réserve étant impossible sur toute carte anonyme (6). 9) Device according to any one of the preceding claims, characterized in that replenishment at the point of sale can only be offered on a card backed by a bank account, the reserve reserve being impossible on any anonymous card (6) .
PCT/FR2000/000072 1999-09-09 2000-01-14 Instantly rechargeable electronic purse WO2001018756A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU30542/00A AU3054200A (en) 1999-09-09 2000-01-14 Instantly rechargeable electronic purse

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
FR99/11266 1999-09-09
FR9911266A FR2798496B1 (en) 1999-09-09 1999-09-09 EXPRESS OR IMMEDIATELY RECHARGEABLE ELECTRONIC COIN PURSE

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WO2001018756A1 true WO2001018756A1 (en) 2001-03-15

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AU (1) AU3054200A (en)
FR (1) FR2798496B1 (en)
WO (1) WO2001018756A1 (en)

Cited By (1)

* Cited by examiner, † Cited by third party
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EP1983480A1 (en) 2007-04-20 2008-10-22 Ingenico Payment terminal, associated method and program

Citations (4)

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Publication number Priority date Publication date Assignee Title
WO1996009592A1 (en) * 1994-09-25 1996-03-28 Brun, Heidi, M. A vending machine, a vending system and methods of operating same
EP0724238A1 (en) * 1995-01-24 1996-07-31 Europay International S.A. Card apparatus and cashless transaction system
EP0775990A2 (en) * 1995-11-21 1997-05-28 Hitachi, Ltd. IC card automated transaction terminal and IC card used therein
WO1998025237A1 (en) * 1996-12-06 1998-06-11 American Express Travel Related Services Company, Inc. Methods and apparatus for regenerating a prepaid transaction account

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1996009592A1 (en) * 1994-09-25 1996-03-28 Brun, Heidi, M. A vending machine, a vending system and methods of operating same
EP0724238A1 (en) * 1995-01-24 1996-07-31 Europay International S.A. Card apparatus and cashless transaction system
EP0775990A2 (en) * 1995-11-21 1997-05-28 Hitachi, Ltd. IC card automated transaction terminal and IC card used therein
WO1998025237A1 (en) * 1996-12-06 1998-06-11 American Express Travel Related Services Company, Inc. Methods and apparatus for regenerating a prepaid transaction account

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1983480A1 (en) 2007-04-20 2008-10-22 Ingenico Payment terminal, associated method and program

Also Published As

Publication number Publication date
FR2798496A1 (en) 2001-03-16
AU3054200A (en) 2001-04-10
FR2798496B1 (en) 2005-01-07

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