WO2002077936A1 - Procede de realisation de transactions electroniques a l'aide d'un terminal lecteur de carte a puce - Google Patents

Procede de realisation de transactions electroniques a l'aide d'un terminal lecteur de carte a puce Download PDF

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Publication number
WO2002077936A1
WO2002077936A1 PCT/EP2002/003396 EP0203396W WO02077936A1 WO 2002077936 A1 WO2002077936 A1 WO 2002077936A1 EP 0203396 W EP0203396 W EP 0203396W WO 02077936 A1 WO02077936 A1 WO 02077936A1
Authority
WO
WIPO (PCT)
Prior art keywords
chip card
card reader
amount
reader terminal
entered
Prior art date
Application number
PCT/EP2002/003396
Other languages
German (de)
English (en)
Inventor
Christophe Genevois
Original Assignee
Scm Microsystems Gmbh
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 Scm Microsystems Gmbh filed Critical Scm Microsystems Gmbh
Publication of WO2002077936A1 publication Critical patent/WO2002077936A1/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
    • G07F7/10—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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • 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
    • G07F7/1025—Identification of user by a PIN code

Definitions

  • the invention relates to a method for carrying out electronic transactions with a chip card reader terminal which is connected to a personal computer. These transactions are in particular online legal transactions with cashless payment by debiting chip cards provided with a credit, which are also known as cash cards.
  • Terminals are available for such transactions, which have a chip card reader and a keyboard. Depending on the level of security, these terminals are divided into different classes. Class 1 and 2 terminals only have a keyboard with numeric keys and a confirmation key in addition to the chip card reader. The keyboard is only used to enter the PTN code and confirm. These terminals can be implemented with little effort, but also involve a risk. The user has no certainty that the amount of money to be paid displayed on the screen of the personal computer for the selected transaction corresponds to the amount that is debited from his chip card. Class 3 and higher terminals have a display field that shows the amount to be paid. The displayed amount cannot be manipulated within the terminal, so that the displayed amount matches the amount debited from the chip card. Due to the required display field, however, there is an increased effort that hinders the spread of these terminals.
  • the invention provides a method for carrying out electronic transactions with a chip card reader terminal, in which the terminal does not require a display field and nevertheless offers the same security as a terminal with a display field.
  • embodiments of the method according to the invention are specified which differ only in the consideration of a currency and in the way in which they are taken into account. All embodiments have in common that on the one hand the function of the display panel necessary for terminals of class 3 and higher is replaced by the screen of the personal computer, but on the other hand security is maintained because the amount displayed for confirmation on the screen - and, if appropriate, the corresponding one Currency - entered using the terminal keyboard.
  • the keyboard of the terminal has an additional function: that of entering an amount and possibly a currency.
  • the keyboards of conventional terminals do not have a key for entering a decimal separator (period, comma).
  • a decimal separator period, comma
  • the decimal places of the amounts to be compared are therefore disregarded.
  • the keyboard of the terminal is equipped with an additional decimal separator key.
  • FIG. 1 shows a schematic representation of the hardware environment of the method according to the invention
  • FIG. 2 shows a block diagram of the method according to the invention
  • FIG. 3 shows the method steps of the authentication and selection block of FIG. 2;
  • FIG. 4 shows the method steps of the amount and currency block of FIG. 2 according to a first embodiment of the invention
  • 5 shows the method steps of the amount and currency block of FIG. 2 according to a second embodiment of the invention.
  • FIG. 6 shows the method steps of the amount and currency block of FIG. 2 according to a third embodiment of the invention.
  • a personal computer 10 which includes a screen 12, a mouse 13 and a keyboard 14, a chip card reader terminal 18, which contains a keyboard 22 and a slot 20 for receiving a chip card 24 and with the personal Computer 10 is connected via a bidirectional connection 16, and a chip card 24 in the form of a money card.
  • the chip card reader terminal 18 belongs to security class 2 and, in contrast to terminals in class 3 and higher, does not have a display for displaying the amount to be paid.
  • the sequence of the method according to the invention generally includes an authentication and selection block 26, an amount and currency block 28 and a debit block 30.
  • the authentication and selection block 26 and the debiting block 30 are common to all embodiments of the method. The different
  • Embodiments differ only in the method steps of the amount and currency block 28, that in FIGS. 4 to 6 of the corresponding one
  • Embodiments with 28a to 28c is designated.
  • the amount of money to be paid for the respective transaction is displayed on the screen 12 of the personal computer 10 in addition to the possible online transactions.
  • step 3 shows the method steps of the authentication and selection block 26 common to all embodiments.
  • the PIN code is entered in a step 102 using the keyboard 22 of the chip card reader terminal 18 and in a further step 104 the input is compared with the PIN code stored on the chip card 24. If both PIN codes match, an online transaction that is offered for selection on the screen 12 can be selected in a step 106 using the mouse 13 or the keyboard 14 of the personal computer 10.
  • step 4 shows the method steps of the amount and currency block 28a according to a first embodiment of the method.
  • the amount to be paid for the selected transaction is entered via the keyboard 22 of the chip card reader terminal 18 in step 300 and confirmed with a confirmation key in step 302 .
  • the amount entered is displayed on the screen 12 in plain text.
  • the currency selected for the transaction is entered in the same way, the currency entered being displayed on the screen 12, and in step 306 the entry is confirmed with the confirmation key.
  • Both information is checked by the chip card reader terminal 18, that is to say it is checked in a step 308 whether the amount entered and the amount to be paid for the selected transaction match, and in a step 310 it is checked whether the currency has been correctly specified , If both apply, a debit command is sent to the chip card 24 as in the first embodiment of the method. Otherwise the process is canceled.
  • the third embodiment of the method shown in FIG. 6 differs from the second only in that the input data are summarized in a step 400 or the verification of these input data in a step 404. In this embodiment, too, the entry must be confirmed with the confirmation key before the check, step 402.
  • each digit of the PIN code entered via the keyboard 22 of the terminal 18 has the same special character, in particular an asterisk, displayed on the screen.
  • all decimal places of the compared amounts are disregarded, so that a simple keyboard can be used, whereby the costs are kept to a minimum.
  • Embodiment of the chip card reader terminal 18 may be adapted so that the keyboard 22 of the terminal 18 additionally has currency symbols. This can e.g. with an additional key, double labeling of one or more numeric keys or software switching.
  • the design of the chip card reader terminal 18 can also be adapted such that the chip card reader terminal 18 has a key for a decimal separator.

Abstract

Afin de réaliser des transactions électroniques au moyen d'un terminal lecteur de carte à puce (18), raccordé à un ordinateur personnel (PC) (10), l'utilisateur introduit une carte à puce (24) sécurisée par son code PIN dans ledit terminal lecteur de carte à puce. Dans une application en ligne, une sélection de transactions est proposée à l'utilisateur sur l'écran du PC et les montants à régler pour ces transactions sont affichés. L'utilisateur sélectionne la transaction de son choix et saisit son code PIN sur le terminal lecteur de carte à puce (18). Ensuite, l'utilisateur saisit sur le clavier (22) du terminal lecteur de carte à puce (18) le montant à régler pour la transaction sélectionnée, le montant saisi étant libellé en clair sur l'écran (12) du PC. Le montant saisi est confirmé par l'utilisateur à l'aide d'une touche de confirmation sur le clavier (22) du terminal lecteur de carte à puce. Le montant saisi est ensuite comparé au montant à régler et, si les montants concordent, un ordre de prélèvement correspondant sur la carte à puce (24) est envoyé par le biais du terminal lecteur de carte à puce (18).
PCT/EP2002/003396 2001-03-26 2002-03-26 Procede de realisation de transactions electroniques a l'aide d'un terminal lecteur de carte a puce WO2002077936A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE2001114826 DE10114826A1 (de) 2001-03-26 2001-03-26 Verfahren zur Durchführung elektronischer Transaktionen mit einem Chipkartenleser-Terminal
DE10114826.7 2001-03-26

Publications (1)

Publication Number Publication Date
WO2002077936A1 true WO2002077936A1 (fr) 2002-10-03

Family

ID=7679098

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/EP2002/003396 WO2002077936A1 (fr) 2001-03-26 2002-03-26 Procede de realisation de transactions electroniques a l'aide d'un terminal lecteur de carte a puce

Country Status (2)

Country Link
DE (1) DE10114826A1 (fr)
WO (1) WO2002077936A1 (fr)

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5815577A (en) * 1994-03-18 1998-09-29 Innovonics, Inc. Methods and apparatus for securely encrypting data in conjunction with a personal computer
WO1999048038A2 (fr) * 1998-03-13 1999-09-23 Celo Communications R & D Ltd. Terminal pour cartes a puce
US6016957A (en) * 1995-12-08 2000-01-25 Hitachi, Ltd. IC card reader/writer and method of operation thereof
WO2000074007A1 (fr) * 1999-05-28 2000-12-07 Utm Systems Corporation Identification de reseau par puce intelligente et bande magnetique

Family Cites Families (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE19905169C2 (de) * 1999-02-08 2001-10-31 Towitoko Ag Vorrichtung zur Anzeige von Signaturdaten

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5815577A (en) * 1994-03-18 1998-09-29 Innovonics, Inc. Methods and apparatus for securely encrypting data in conjunction with a personal computer
US6016957A (en) * 1995-12-08 2000-01-25 Hitachi, Ltd. IC card reader/writer and method of operation thereof
WO1999048038A2 (fr) * 1998-03-13 1999-09-23 Celo Communications R & D Ltd. Terminal pour cartes a puce
WO2000074007A1 (fr) * 1999-05-28 2000-12-07 Utm Systems Corporation Identification de reseau par puce intelligente et bande magnetique

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
HENKEL J: "BEZAHLEN AUF DRAHT E-PAYMENT: WIE DER RUBEL INS ROLLEN KOMMT", CT MAGAZIN FUER COMPUTER TECHNIK, VERLAG HEINZ HEISE GMBH., HANNOVER, DE, no. 6, 12 March 2001 (2001-03-12), pages 270 - 272,274,276-278,280-281, XP001001885, ISSN: 0724-8679 *

Also Published As

Publication number Publication date
DE10114826A1 (de) 2002-10-10

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