WO2001067403A1 - Procede de chargement de cartes a puce en credits et en donnees - Google Patents

Procede de chargement de cartes a puce en credits et en donnees Download PDF

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Publication number
WO2001067403A1
WO2001067403A1 PCT/TR2001/000010 TR0100010W WO0167403A1 WO 2001067403 A1 WO2001067403 A1 WO 2001067403A1 TR 0100010 W TR0100010 W TR 0100010W WO 0167403 A1 WO0167403 A1 WO 0167403A1
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WO
WIPO (PCT)
Prior art keywords
smart card
data
credit
client
station
Prior art date
Application number
PCT/TR2001/000010
Other languages
English (en)
Inventor
Salih Torun
Original Assignee
Enersis Enerji Sistemleri Mühendislik Hizmetleri Sanayi Ve Ticaret A.Ş.
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 Enersis Enerji Sistemleri Mühendislik Hizmetleri Sanayi Ve Ticaret A.Ş. filed Critical Enersis Enerji Sistemleri Mühendislik Hizmetleri Sanayi Ve Ticaret A.Ş.
Priority to AU45016/01A priority Critical patent/AU4501601A/en
Publication of WO2001067403A1 publication Critical patent/WO2001067403A1/fr

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
    • G07F7/0866—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

Definitions

  • the present invention is related to a method for loading credit on smart cards that provides the immediate transaction to obtain the credit to be loaded, from the bank, by using the communication tools.
  • the smart cards qualified as intelligent cards due to these characteristics are used in all areas of a daily life and particularly in the finance and communication sectors.
  • One of these areas of use is recording electronically, the amount of basic consumption objects such as gas, water or electricity, intended to be consumed and operating the prepayment meters by which the amounts of these materials consumed are measured.
  • the client who wants to load his or her smart card with credit has to go to the credit loading centers and pay cash to have the smart card loaded with a credit that corresponds to the amount paid.
  • a program that operates at the computer of the place where the loading procedure is realized. It is hard to provide technical service to this program.
  • the use and the data base safety is quite risky because it requires to assemble all transactions made at various sales and loading centers at a single database as well as to ensure safety during the transfer of these data.
  • payments have to be made in cash and at predetermined times.
  • the object of the present invention is to enable the client to load his (her) smart card with credit by himself, using the communication tools.
  • Figure 1 is the block diagram showing the method for loading smart cards with credit and data
  • FIG. 1 is the block diagram showing the telephone and the smart card loader
  • Figure 3a is the flow chart diagram the method for loading smart cards with credit and data by telephone
  • Figure 3b is the flow chart diagram the method for loading smart cards with credit and data through internet
  • the client who wants to load his smart card with credit or data is enabled to perform this loading by using the communication network and tools (such as telephone (wireless or not), internet, etc.) whenever he wants, without having to go to smart card loading centers.
  • the communication network and tools such as telephone (wireless or not), internet, etc.
  • the communication tools that provide the communication between the client and the smart card credit loading center (5); the smart card (1) containing the data related to the meter and the installation, and by means of which recording and reading can be made; the smart card loader (2) that provides the loading of the smart card (1); the data acquisition unit (8) provided at the smart card credit loading center (5), which provides the acquisition of the data entered by the client; the program processor (6) where data acquired by the data acquisition unit (8) are transmitted and processed; the data base processor (7) where data regarding the operations performed are stored and the bank (9) where the approval code regarding the payments, are brought together (Figure 1).
  • the smart card loader (2) is a device given to the client and operates by being connected to a telephone line in series.
  • the smart card loader (2) consists of a telephone line inlet (10) wherein the telephone line enters; a telephone line outlet (11) wherein the telephone line exits; the smart card driver (3) wherein the smart card (1) is inserted; the smart card micro-processor integrated circuit (4) that transmits data to the addresses on the smart card (1) or that modifies or deletes the loaded data; a tone decoder (12) that decodes the telephone signals; a tone generator (13); a telephone line circuit card (15) forming the energy source; a power lamp (16) showing that the device is "on” and a status lamp (17) showing that a transaction is being performed.
  • the telephone (14) DMTF, MF or their coded signals are used and said signals are programmed while the smart card (1) is being read, or while transmitting data to the smart card (1) or while controlling the smart card (1).
  • the smart card reader (2) receives the energy required for its operation, from the voltage at the telephone line. Thus an additional energy source is not needed.
  • the telephone line circuit card (15) in the smart card loader (2) provides the required energy by regulating the current required for the operation of the smart card microprocessor integrated circuit (4) to the current required for the operation of the tone generator (13), without distorting the telephone line impedance (Fig.2).
  • Said smart card loader (2) may be connected to the telephone in series or it may be connected to a computer which in turn is connected to the communication network.
  • the client reaches the smart card credit loading center (5), through internet.
  • the transmission of the data related to the client, the no. of the meter, the password of the client, the cost of the consumed amount, the credit card option; all signals associated with the termination of the transaction and the approval clicking of the client, are provided between the tone decoder (12) and tone generator (13) in the smart card loader (2) and the signal converters at the server (8), by the signals that are coded differently from normal telephone network signals.
  • the security of the smart card (1) loading method is provided by the smart card loader (2).
  • the monetary transactions are performed by the program processor (6) through an internet connection between the data base processor (7) and the bank (9). In this manner the operation is completed by using two different ways of communication. As a double-way communication method is used, the interruption of the loading operation due to any reason is immediately detected.
  • the data acquisition unit (8) is a unit where the data entered by the client are received.
  • this unit is a computer controlled exchange station (8); and in case said communication between the client and the smart card credit loading center (5) is realized through an internet connection, the unit (8) is a web server.
  • the client is connected to the exchange station which is the data acquisition unit (8) at the smart card credit loading center (5) by telephone (14) (100).
  • the station (8) asks sonically the client to insert his smart card (1) to be loaded with credit into the smart card driver (3) in the smart card loader connected in series to the telephone line, and to press a certain key on the phone (101).
  • the station (8) sends a signal loaded differently from the normal network signal, to the smart card loader (2) (102).
  • the tone decoder (12) waiting continuously for the signals that are coded differently from the DTMF or MF signals, detects this signal and transmits to the smart card microprocessor integrated circuit (4) (103), which resolves that this signal is related to the readings of meter no. and other client-related data that are contained in the smart card (1) placed in the smart card driver (3) and after completing the reading process, sends the data to the tone generator (13) (104).
  • the tone generator (13) codes these data differently from the normal DTMF or MF signals and transfers to the station (8) (105); wherein these data are resolved and transmitted sonically to the client by using normal telephone signals (106).
  • the client is asked to enter his password (107).
  • the client enters his password using the telephone keys and then presses a specified key button (108).
  • Each key pressed by the client generates a DTMF or MF signal and the station (8) upon detecting these codes, activates the program processor (6) (109) and asks the client to enter the quantity he wants to receive (110).
  • the station asks the client to make a choice of the credit card he wants use for payment (111).
  • the station (8) repeats sonically the requested amount and the credit card option and asks the client to press a certain key for approval (112).
  • the station (8) having obtained data regarding the amount requested and the credit card to be used for payment, activates the program processor (6) (113), which in turn sends the commands required to draw money from the client's credit card, to the data base processor (7) (114).
  • the data base processor (7) is connected to the computer of the bank (9) through internet (115).
  • the bank (9) sends an approval code to the data base processor (7) when money is drawn from the credit card (116).
  • the program processor (6) records this approval code to the related zone on the data base processor (7) and sends it to the station (8) to code this data (117).
  • the station (8) After converting this to a coded signal, the station (8) sends this signal to the smart card loader (2) (118).
  • the tone decoder (12) decodes the signal and transfers it to the smart card microprocessor integrated circuit (4) (119) which identifies this data, determines that it belongs to the credit data contained in the smart card (4) and realizes the transaction (120).
  • the operation status lamp (17) is illuminated as long as the credit writing process continues.
  • the smart card microprocessor integrated circuit (4) sends this information to the tone generator (13) wherein said data are converted into coded signals which are then sent to the station (8) (121). This signal is resolved at the station (8) and it is determined that the transaction is realized successfully (122).
  • the program processor (6) terminates the process by writing this information on the related zone on the data base processor (7) and informs the client sonically (123) (Fig. 3a).
  • the communication between the client and the smart card credit loading center (5) is provided by means of telephone (14).
  • Another implementation used by the method of the invention; wherein the communication between the client and the smart card credit loading center (5) is provided through internet connection, without having to go to the smart card credit loading center (5) consists of the following steps:
  • the smart card (1) to be loaded with credit is placed into the smart card driver (3) provided in the smart card loader (2) connected to the cline's computer which has an internet connection (200); by means of internet, a connection with the smart card credit loading center (5) is provided (201); required data are entered to this smart card credit loading centre (5) and are transferred to the program processor (6) for evaluation (202).
  • the queried and evaluated data are transferred to the data base processor (7), which are then transmitted to the bank (9) by the data base processor (7), (204).
  • the amount corresponding the price of the credit desired by the client to be loaded to the smart card (1) is drawn from the account mentioned by the client and transferred to the account of the smart card credit loading center (5) (205).
  • the bank (9) Upon the completion of this transaction, the bank (9) generates a code regarding this process and transmits it to the program processor (6) (206). After the program processor (6) approves this cod generated by the bank (9), the credit data to be loaded to the smart card (1) is transmitted to the smart cart loader (2) which is connected to the client's computer (207) and the loading of the smart card with credit is completed at the smart card loader (2) (208) (Fig 3b).
  • the smart card loader used here is operated by being connected to the com. port of the computer.
  • the smart card (1) thus loaded with credit by using this method is inserted in the meter and the use of gas, water or electricity in an amount corresponding to the amount paid for, is provided.

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  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Le procédé de chargement de cartes à puce (1) de l'invention permet à un client qui désire charger sa carte en crédits ou en données, de le faire en utilisant un réseau de télécommunications et un outil (par exemple un téléphone avec ou sans fil, Internet etc.) autant qu'il le souhaite, et sans avoir à aller dans un centre spécialisé dans ce type d'opérations. Pour effectuer la transaction, on recourt aux éléments suivants: des outils assurant les communications entre le client et le centre de chargement (5) des cartes; une carte (1) contenant les données relatives au compteur et à l'installation, et servant à l'enregistrement et à la lecture; un chargeur (2) de cartes (1); une unité d'acquisition de données (8) située au centre de chargement (5) et assurant l'acquisition des données entrées par le client; un processeur de programmes (6) transmettant et traitant les données acquises par l'unité d'acquisition (8); un processeur (7) de base de données où sont stockées les données relatives aux opérations effectuées; et une banque utilisant les codes d'approbation relatifs aux paiements.
PCT/TR2001/000010 2000-03-08 2001-03-02 Procede de chargement de cartes a puce en credits et en donnees WO2001067403A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU45016/01A AU4501601A (en) 2000-03-08 2001-03-02 Method for loading smart cards with credit and data

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
TR2000/681 2000-03-08
TR200000681A TR200000681A3 (tr) 2000-03-08 2000-03-08 Internet veya dial up network üstünden gaz satis yöntemi

Publications (1)

Publication Number Publication Date
WO2001067403A1 true WO2001067403A1 (fr) 2001-09-13

Family

ID=21622393

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/TR2001/000010 WO2001067403A1 (fr) 2000-03-08 2001-03-02 Procede de chargement de cartes a puce en credits et en donnees

Country Status (3)

Country Link
AU (1) AU4501601A (fr)
TR (1) TR200000681A3 (fr)
WO (1) WO2001067403A1 (fr)

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE10311995A1 (de) * 2003-03-19 2004-10-07 ITF Fröschl GmbH Wechselbares elektronisches Modell zur Messung der elektrischen Energie/Verbrauch/Leistung
FR2856541A1 (fr) * 2003-06-20 2004-12-24 Ascom Monetel Systeme de gestion de poste telephonique public a prepaiemen t
US7726579B2 (en) 2008-01-10 2010-06-01 Sony Corporation In-chassis TV chip with dynamic purse
WO2017203184A1 (fr) * 2016-05-27 2017-11-30 Bayard Procede de recharge d'une carte d'acces a une borne de distribution de fluide et systeme afferent

Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0623903A2 (fr) * 1993-05-06 1994-11-09 Pitney Bowes Inc. Système de rechargement du solde d'une carte à circuit intégré
WO1997045814A1 (fr) * 1996-05-24 1997-12-04 Behruz Vazvan Procede et systeme en temps reel servant a effectuer des transactions a distance de paiement de factures et d'achats et a transferer de la monnaie electronique et d'autres donnees
WO1998016908A1 (fr) * 1996-10-11 1998-04-23 Datelnet Intellectual Property B.V. Systeme comportant un ordinateur et plusieurs terminaux portables pour carte a puce, et terminal utilise dans un tel systeme
US5838773A (en) * 1995-08-08 1998-11-17 Belco Systems Technology Corp. Personal reader capture transfer technology
DE29822993U1 (de) * 1998-12-23 1999-02-25 ELME Elektronische Meßgeräte GmbH, 84072 Au Terminal zur Ladung von Geldkarten
DE19818726C1 (de) * 1998-04-27 1999-10-14 Esd Information Technology Ent Ladeterminal für Geldkarten sowie Verfahren zum Betrieb eines solchen
US5987118A (en) * 1997-10-21 1999-11-16 Mci Communiations Corporation Method and computer program logic for providing an intelligent network operator console with enhanced services
WO1999059108A1 (fr) * 1998-05-12 1999-11-18 Gemplus Procede pour effectuer une transaction securisee au moyen d'une carte a puce a travers un reseau de telecommunication

Patent Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0623903A2 (fr) * 1993-05-06 1994-11-09 Pitney Bowes Inc. Système de rechargement du solde d'une carte à circuit intégré
US5838773A (en) * 1995-08-08 1998-11-17 Belco Systems Technology Corp. Personal reader capture transfer technology
WO1997045814A1 (fr) * 1996-05-24 1997-12-04 Behruz Vazvan Procede et systeme en temps reel servant a effectuer des transactions a distance de paiement de factures et d'achats et a transferer de la monnaie electronique et d'autres donnees
WO1998016908A1 (fr) * 1996-10-11 1998-04-23 Datelnet Intellectual Property B.V. Systeme comportant un ordinateur et plusieurs terminaux portables pour carte a puce, et terminal utilise dans un tel systeme
US5987118A (en) * 1997-10-21 1999-11-16 Mci Communiations Corporation Method and computer program logic for providing an intelligent network operator console with enhanced services
DE19818726C1 (de) * 1998-04-27 1999-10-14 Esd Information Technology Ent Ladeterminal für Geldkarten sowie Verfahren zum Betrieb eines solchen
WO1999059108A1 (fr) * 1998-05-12 1999-11-18 Gemplus Procede pour effectuer une transaction securisee au moyen d'une carte a puce a travers un reseau de telecommunication
DE29822993U1 (de) * 1998-12-23 1999-02-25 ELME Elektronische Meßgeräte GmbH, 84072 Au Terminal zur Ladung von Geldkarten

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE10311995A1 (de) * 2003-03-19 2004-10-07 ITF Fröschl GmbH Wechselbares elektronisches Modell zur Messung der elektrischen Energie/Verbrauch/Leistung
FR2856541A1 (fr) * 2003-06-20 2004-12-24 Ascom Monetel Systeme de gestion de poste telephonique public a prepaiemen t
US7726579B2 (en) 2008-01-10 2010-06-01 Sony Corporation In-chassis TV chip with dynamic purse
WO2017203184A1 (fr) * 2016-05-27 2017-11-30 Bayard Procede de recharge d'une carte d'acces a une borne de distribution de fluide et systeme afferent
FR3051940A1 (fr) * 2016-05-27 2017-12-01 Bayard Procede de recharge d'une carte d'acces a une borne de distribution de fluide et systeme afferent

Also Published As

Publication number Publication date
TR200000681A2 (tr) 2001-01-22
AU4501601A (en) 2001-09-17
TR200000681A3 (tr) 2001-01-22

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