WO2002075675A2 - Système et méthode de renouvellement de données d'identification sur un dispositif d'identification portatif - Google Patents
Système et méthode de renouvellement de données d'identification sur un dispositif d'identification portatif Download PDFInfo
- Publication number
- WO2002075675A2 WO2002075675A2 PCT/IB2002/000652 IB0200652W WO02075675A2 WO 2002075675 A2 WO2002075675 A2 WO 2002075675A2 IB 0200652 W IB0200652 W IB 0200652W WO 02075675 A2 WO02075675 A2 WO 02075675A2
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- dip
- edi
- transaction
- valid
- active
- 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
- G07F7/08—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
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
-
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
-
- 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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
- G07C9/00—Individual registration on entry or exit
- G07C9/20—Individual registration on entry or exit involving the use of a pass
- G07C9/22—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder
- G07C9/25—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition
- G07C9/257—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition electronically
Definitions
- the card number represents the data which is used for identification purposes of the account of the card holder in the financial institution which issued the card, by example the credit company in the case of a credit card.
- These identification data are therefore used to apply financial transactions carried out using the credit card to the account associated with the credit card.
- the permanent identification data associated with it is useful in particular when loading money into the electronic wallet. Indeed, one must then have access to an account number of a financial company, and permanent identification data recorded in the electronic wallet are used to link the electronic wallet to the account of the holder of the electronic wallet in the financial company. It would therefore be possible for a third party to gain fraudulent access to the account of a person who holds an electronic wallet if another electronic wallet is programmed using the permanent identification data of the other person's electronic wallet for allow access to that other person's account.
- the invention also relates to a method for renewing an active EDI on a DIP, said DIP having at least a first EDI having active and valid initial states and a second EDI having initial states inactive and valid, all EDIs having a valid state on said DIP being intended to identify and have transaction data applied to an account associated with said DIP which is not located on said DIP, said EDI having an active state on said DIP being used to accomplish a transaction, said method comprising the following steps:
- the active EDI can be chosen at random from the EDI valid at the time the transaction is carried out, or a specific order can be followed, in which case the active EDI is not necessarily affixed with a specific condition in the memory of chip 12 of DIP 10; but it is understood that an EDI is considered active when it is transmitted by DIP 10 for the purpose of identifying the account corresponding to DIP 10.
- any form of securing of the transactions for example by coding or encryption of the data exchanged, and or any form of securing the use of the DIP 10, for example by adding on the DIP 10 a biometric reader which will compare biometric data read with prerecorded biometric data representative of a biometric parameter of the holder of the DIP 10.
- a biometric reader could be provided on the DIP 10, and each use of the DIP 10 should be validated beforehand by the reading by this fingerprint reader of the fingerprint of the holder of the DIP 10.
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Human Computer Interaction (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Hardware Redundancy (AREA)
Abstract
Description
Claims
Priority Applications (6)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
EP02702617A EP1371032A2 (fr) | 2001-03-16 | 2002-03-05 | Syst me et m thode de renouvellement de donn es d'identification sur un dispositif d'identification portatif |
AU2002236137A AU2002236137A1 (en) | 2001-03-16 | 2002-03-05 | System and method for replacing identification data on a portable identification device |
BR0207533-4A BR0207533A (pt) | 2001-03-16 | 2002-03-05 | Método e sistema para a renovação de um elemento de dados de identificação e dispositivo de identificação portátil |
CA002434196A CA2434196A1 (fr) | 2001-03-16 | 2002-03-05 | Systeme et methode de renouvellement de donnees d'identification sur un dispositif d'identification portatif |
MXPA03007781A MXPA03007781A (es) | 2001-03-16 | 2002-03-05 | Sistema y metodo para remplazar datos de identificacion en un dispositivo de identificacion portatil. |
US10/646,650 US20040035924A1 (en) | 2001-03-16 | 2003-08-21 | System and method for replacing identification data on a portable identification device |
Applications Claiming Priority (6)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US27611901P | 2001-03-16 | 2001-03-16 | |
US60/276,119 | 2001-03-16 | ||
IBPCT/IB01/00940 | 2001-05-28 | ||
PCT/IB2001/000940 WO2002075674A2 (fr) | 2001-03-16 | 2001-05-28 | Systeme et methode de renouvellement de donnees d'identification sur un dispositif de transaction portatif |
US29444801P | 2001-05-30 | 2001-05-30 | |
US60/294,448 | 2001-05-30 |
Related Child Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US10/646,650 Continuation US20040035924A1 (en) | 2001-03-16 | 2003-08-21 | System and method for replacing identification data on a portable identification device |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2002075675A2 true WO2002075675A2 (fr) | 2002-09-26 |
WO2002075675A3 WO2002075675A3 (fr) | 2003-02-13 |
Family
ID=26957785
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/IB2002/000652 WO2002075675A2 (fr) | 2001-03-16 | 2002-03-05 | Système et méthode de renouvellement de données d'identification sur un dispositif d'identification portatif |
Country Status (8)
Country | Link |
---|---|
US (1) | US20040035924A1 (fr) |
EP (1) | EP1371032A2 (fr) |
CN (1) | CN1527991A (fr) |
AU (1) | AU2002236137A1 (fr) |
BR (1) | BR0207533A (fr) |
CA (1) | CA2434196A1 (fr) |
MX (1) | MXPA03007781A (fr) |
WO (1) | WO2002075675A2 (fr) |
Families Citing this family (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US7992792B2 (en) * | 2006-12-18 | 2011-08-09 | Fundamo (Proprietary) Limited | Portable payment device |
SG11202003208WA (en) * | 2017-12-20 | 2020-05-28 | Inventio Ag | Access control system having radio authentication and password recognition |
Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5770843A (en) * | 1996-07-02 | 1998-06-23 | Ncr Corporation | Access card for multiple accounts |
US5956699A (en) * | 1996-10-03 | 1999-09-21 | Jaesent Inc. | System for secured credit card transactions on the internet |
EP1028401A2 (fr) * | 1999-02-12 | 2000-08-16 | Citibank, N.A. | Méthode et système pour exécuter une transaction avec cartes bancaires |
US6178409B1 (en) * | 1996-06-17 | 2001-01-23 | Verifone, Inc. | System, method and article of manufacture for multiple-entry point virtual point of sale architecture |
Family Cites Families (26)
Publication number | Priority date | Publication date | Assignee | Title |
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US4658147A (en) * | 1985-04-03 | 1987-04-14 | Baird Corporation | Remote optically readable system and method |
JPS62179994A (ja) * | 1986-02-04 | 1987-08-07 | カシオ計算機株式会社 | 電子カ−ド |
US4916296A (en) * | 1987-10-29 | 1990-04-10 | Jerry R. Iggulden | Light modulating smart card |
EP0435438B1 (fr) * | 1989-12-28 | 1998-03-04 | Gunze Limited | Système d'entrée avec écran tactile à film résistif |
JP2822624B2 (ja) * | 1990-07-03 | 1998-11-11 | 三菱電機株式会社 | 非接触icカード |
IL96764A (en) * | 1990-12-23 | 1994-07-31 | Zuta Marc | Smart card integrated in a wristwatch and having logic unit controlling the automatic identification process and the data transfer |
US5317137A (en) * | 1992-02-24 | 1994-05-31 | Comproducts Inc. | Magnetic debit card reader fraudulent use prevention |
US5268963A (en) * | 1992-06-09 | 1993-12-07 | Audio Digital Imaging Inc. | System for encoding personalized identification for storage on memory storage devices |
GB2278085B (en) * | 1993-05-21 | 1997-06-04 | Motorola Inc | Signal coupler |
US5880769A (en) * | 1994-01-19 | 1999-03-09 | Smarttv Co. | Interactive smart card system for integrating the provision of remote and local services |
JP3571383B2 (ja) * | 1994-10-19 | 2004-09-29 | 株式会社日立製作所 | Icカード、icカードリードライト装置及び電子財布システム |
JP3343771B2 (ja) * | 1995-03-13 | 2002-11-11 | 株式会社東芝 | 電子決済装置、および、電子決済判定方法 |
US5689100A (en) * | 1995-03-21 | 1997-11-18 | Martiz, Inc. | Debit card system and method for implementing incentive award program |
JPH0962882A (ja) * | 1995-08-30 | 1997-03-07 | Matsushita Electric Ind Co Ltd | チケット発行、利用システム |
EP0775990A3 (fr) * | 1995-11-21 | 2000-08-23 | Hitachi, Ltd. | Terminal pour transactions automatisées avec carte à circuit intégré et carte utilisée dans ce terminal |
US5777903A (en) * | 1996-01-22 | 1998-07-07 | Motorola, Inc. | Solar cell powered smart card with integrated display and interface keypad |
US5777305A (en) * | 1996-01-24 | 1998-07-07 | Incomm | Package assembly and method for activating prepaid debit cards |
CA2197930A1 (fr) * | 1996-02-29 | 1997-08-29 | Masayuki Ohki | Portefeuille electronique et methode pour s'en servir |
US5867795A (en) * | 1996-08-23 | 1999-02-02 | Motorola, Inc. | Portable electronic device with transceiver and visual image display |
JPH1079733A (ja) * | 1996-09-03 | 1998-03-24 | Kokusai Denshin Denwa Co Ltd <Kdd> | Icカードを用いた認証方法及び認証システム |
US5789733A (en) * | 1996-09-20 | 1998-08-04 | Motorola, Inc. | Smart card with contactless optical interface |
JPH10143570A (ja) * | 1996-11-15 | 1998-05-29 | Susumu Miyake | 信用供与カードの個人情報の電子的受渡方法、及びそのためのミニicカード、アダプタカード、端末アダプタ、伝票発行機、携帯端末 |
EP0872816B1 (fr) * | 1997-04-18 | 2006-04-12 | Fujitsu Limited | Dispositif pour le traitement de cartes |
US6636833B1 (en) * | 1998-03-25 | 2003-10-21 | Obis Patents Ltd. | Credit card system and method |
US6108789A (en) * | 1998-05-05 | 2000-08-22 | Liberate Technologies | Mechanism for users with internet service provider smart cards to roam among geographically disparate authorized network computer client devices without mediation of a central authority |
US6473500B1 (en) * | 1998-10-28 | 2002-10-29 | Mastercard International Incorporated | System and method for using a prepaid card |
-
2002
- 2002-03-05 AU AU2002236137A patent/AU2002236137A1/en not_active Abandoned
- 2002-03-05 BR BR0207533-4A patent/BR0207533A/pt not_active Application Discontinuation
- 2002-03-05 CA CA002434196A patent/CA2434196A1/fr not_active Abandoned
- 2002-03-05 WO PCT/IB2002/000652 patent/WO2002075675A2/fr not_active Application Discontinuation
- 2002-03-05 MX MXPA03007781A patent/MXPA03007781A/es unknown
- 2002-03-05 EP EP02702617A patent/EP1371032A2/fr not_active Withdrawn
- 2002-03-05 CN CNA028067126A patent/CN1527991A/zh active Pending
-
2003
- 2003-08-21 US US10/646,650 patent/US20040035924A1/en not_active Abandoned
Patent Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6178409B1 (en) * | 1996-06-17 | 2001-01-23 | Verifone, Inc. | System, method and article of manufacture for multiple-entry point virtual point of sale architecture |
US5770843A (en) * | 1996-07-02 | 1998-06-23 | Ncr Corporation | Access card for multiple accounts |
US5956699A (en) * | 1996-10-03 | 1999-09-21 | Jaesent Inc. | System for secured credit card transactions on the internet |
EP1028401A2 (fr) * | 1999-02-12 | 2000-08-16 | Citibank, N.A. | Méthode et système pour exécuter une transaction avec cartes bancaires |
Also Published As
Publication number | Publication date |
---|---|
MXPA03007781A (es) | 2003-12-08 |
AU2002236137A1 (en) | 2002-10-03 |
WO2002075675A3 (fr) | 2003-02-13 |
EP1371032A2 (fr) | 2003-12-17 |
CN1527991A (zh) | 2004-09-08 |
BR0207533A (pt) | 2004-03-09 |
CA2434196A1 (fr) | 2002-09-26 |
US20040035924A1 (en) | 2004-02-26 |
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