WO2003007201A2 - Systeme de caisse electronique pour porte-monnaie electronique - Google Patents
Systeme de caisse electronique pour porte-monnaie electronique Download PDFInfo
- Publication number
- WO2003007201A2 WO2003007201A2 PCT/FR2002/002407 FR0202407W WO03007201A2 WO 2003007201 A2 WO2003007201 A2 WO 2003007201A2 FR 0202407 W FR0202407 W FR 0202407W WO 03007201 A2 WO03007201 A2 WO 03007201A2
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- electronic
- payment
- memory
- electronic wallet
- transaction
- Prior art date
Links
- 238000013475 authorization Methods 0.000 claims abstract description 12
- 230000003247 decreasing effect Effects 0.000 claims 1
- 238000010586 diagram Methods 0.000 description 3
- 238000009434 installation Methods 0.000 description 3
- 230000006870 function Effects 0.000 description 2
- 230000005540 biological transmission Effects 0.000 description 1
- 230000008878 coupling Effects 0.000 description 1
- 238000010168 coupling process Methods 0.000 description 1
- 238000005859 coupling reaction Methods 0.000 description 1
- 238000004900 laundering Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
Classifications
-
- 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
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
- G07G1/00—Cash registers
- G07G1/12—Cash registers electronically operated
- G07G1/14—Systems including one or more distant stations co-operating with a central processing unit
-
- 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
Definitions
- the present invention relates to an electronic cash register system for debiting and recharging an electronic purse containing a certain amount of money in the form of electronic value (EV) and relates in particular to an electronic cash register system for a door - electronic money.
- EV electronic value
- the credit card system of allows payment for the purchase of products or services.
- the credit authorization amount of each card depends on many factors such as the creditworthiness of its owner, the type of contract signed between the card owner and the issuing bank, etc.
- the credit authorization limit is therefore variable according to the cards and can reach significant sums. Admittedly, this credit authorization limit represents the advantage for the card holder to be able to make purchases the amount of which may be greater than the balance of their bank account at the time of purchase.
- this system allows the thief or the fraudster to make multiple withdrawals of money or purchases from the account carrying the card without the amount of withdrawals or purchases being limited .
- PME electronic wallet system
- electronic purses are presented as conventional electronic memory cards, and therefore consist of a plastic card body in which is inserted an electronic module intended to be connected to a reading device.
- SMEs are disposable or refillable.
- the electronic module essentially consists of a simple memory whose content, representing the available balance, is decremented each time the amount of the transaction is used and this until the balance is exhausted.
- This type of electronic wallet works just like a prepaid phone card.
- the rechargeable SME has a more complex structure since it includes a rewritable memory in which is defined a balance file whose content is, as for the disposable PME, decremented with each transaction, or, on the contrary, incremented by the amount of the recharged sum , all these operations being carried out under the control of a microprocessor and with a degree of security non-existent in disposable SMEs.
- the management system of rechargeable SMEs requires an acquisition and recharging system and a system for controlling the circulation of electronic money.
- Today's existing SME systems require a new architecture compared to the existing CB system.
- the SME management system requires a system that controls both the issue and the acquisition of electronic value.
- the bank must be able to establish a daily statement of the SME and therefore establish a traceability of the circulation of electronic value so that the difference between the balance of the issuing system and the acquisition system is always positive or at least equal to zero, which it achieves by establishing a mirror account.
- Document EP 0.797.174 describes such a management system by simplifying it since the so-called "pool account" is deleted. However, this system still has the drawback of using centralized management at the bank level.
- SAM Security Application Module
- the security module acts equally at the level of the transmission system, the acquisition and recharging systems and the recharging and payment terminals. Its installation requires establishing new modules, new software and new connections.
- the existing credit card management system is based on a simple collection and authorization system. Unlike the PME system, there is no circulation of money, but a bank-to-bank clearing system.
- the clearing system consists in collecting, thanks to an acquisition system, the individual transactions carried out on the withdrawal or payment terminals from merchants, and then transferring the money by clearing between the bank from the bank account of the card Credit card to the bank of the merchant's bank account.
- the authorization system consists of checking whether the card is a "real" card and whether the card holder is creditworthy. This diagram does not require the installation of a security module.
- the SME systems currently developed are therefore complex to implement because they require a new architecture compared to the already existing CB system and a complex secure management system.
- the object of the invention is to provide an SME management system of the electronic cash register type allowing the debit and recharging of an electronic purse at the merchant who does not require a system. secure management complex nor a new architecture compared to the existing CB system.
- the object of the invention therefore relates to a payment system for an electronic purse in the form of a memory card or the like in which the payment of a purchase also called transaction made at a merchant is carried out using a payment terminal.
- the system comprises an electronic cash register located at the place of the transaction having at least one read / write device intended to read and write in the memory of the electronic purse, of a microprocessor, '' a memory and a security module to give the microprocessor the authorization to carry out the transaction, the content of the memory of the electronic cash register being increased by an amount equal to the amount of the purchase when the memory of the door -Electronic money is read by the read / write device, so that the management of a transaction carried out at the merchant is carried out at the very place of the transaction.
- FIG. 1 represents the complete diagram of the system of the electronic purse according to a preferred embodiment of the invention
- FIG. 2 is a block diagram of the electronic cash register according to the invention. Detailed description of the invention
- the electronic wallet system (PME) according to a preferred embodiment of the invention comprises on the one hand the circuit used by the existing banking system which is the CB 12 system but which could be any other equivalent system and on the other hand a set 10 which comprises an electronic cash register 14 which interfaces with the electronic purse 16 and a CB payment terminal 20, and the merchant card 18 which interfaces with the CB payment terminal 20 for carrying out the transactions on the existing CB circuit.
- the assembly 10 is described in detail in FIG. 2.
- the banking system and in particular the existing CB system 12 is based on a simple collection and authorization system.
- a blue card which represents the central element of the functional architecture of the CB system, allows its holder to pay for products or services via a payment terminal 20 at the merchant.
- An authorization center 22 mainly comprises a function for verifying the validity of the card and a function for verifying the creditworthiness of the card holder when the amount of the purchase exceeds a certain threshold.
- the payment terminal regularly connects to the bank card circuit by means of the PSTN telephone network and after the merchant has introduced his merchant card 18 into the payment terminal CB 20.
- An acquisition system 24 collects all the transactions carried out by means from the payment terminal 20.
- a compensation system 26 then transfers the electronic money, without any real circulation of money, from the bank account of the CB card to the merchant's bank account.
- the electronic cash register 14 is composed of a keyboard 32 and a display means 34 which allow the execution of transactions with PME, a microprocessor 36 and a memory 38.
- the memory 38 is a rewritable memory in which is defined a balance file, the content of which is decremented on each transaction, or, on the contrary, incremented by the amount of the reloaded sum, all these operations being carried out under the control of microprocessor 36. Note that debit operations by PME or reloading of the latter carried out using the keyboard 32 and the display means 34 of the electronic cash register, could also be done using the keyboard and the screen of the payment terminal 20 if the latter has been provided for that.
- the electronic cash register 14 is provided with an SME read / write device 40 connected to the microprocessor 36, in this embodiment, by a security module (SAM) 42.
- SAM security module
- the payment terminal CB 20 is connected to the microprocessor 36 thanks to an interface 44.
- the SAM 42 is a physical or logical functionality of the system and allows secure storage of data such as electronic value, encryption keys for the transfer of secure data, as well as authorization to perform the transaction. Note that this functionality could be implemented by software implemented in the microprocessor 36
- the SME read / write device 40 makes it possible to read SMEs by contact by inserting it into a slot.
- the PME is a contactless card provided with an integrated antenna and the read / write device 40 is also provided with an antenna to allow the exchange of electromagnetic signals and therefore the reading of PME without contact by electromagnetic coupling.
- the PME is read by the read / write device 40 in order to make a payment for the purchase of products or services or in order to recharge the PME. Thanks to the introduction into a slot arranged in the payment terminal 20 of the merchant card 18 which is a specific authorization card of the CB type, the merchant can at any time transfer the electronic value accumulated in the electronic cash register 14 to his bank account.
- the electronic cash register 14 can get money from his bank and recharge the electronic cash register 14 by converting money to EV.
- the merchant obtains an EV amount corresponding to the value of the products or services provided to the bearer of the SME card, which he returns to his bank in the form of money.
- the electronic cash register cannot issue more EV than it contains and can only store a limited capacity of EV.
- the interface 44 between the electronic cash register 14 and the payment terminal CB 20 can be either a permanent link, or a connection established at the time when the electronic cash register must be connected to the terminal. In this case, the electronic cash register has an interface in the form of a card which is plugged into the terminal slot.
- the electronic cash register itself establishes the traceability of the circulation of electronic value.
- the mirror account established in the bank for the management of existing SME systems is no longer necessary.
- the acquisition system 24 is the bank card system common to the economic interest group of banks.
- the system according to the invention is decentralized and can therefore be used by a cartel of traders or by a private chain.
- the circuit used is no longer the CB circuit but a specific circuit allowing the traders of the cartel or at the various points of sale of the private chain to be able to carry out transactions with the owners of PME having the authorization of the cartel or from the private channel.
- the installation of the system according to the invention requires only the modification of the payment terminals by the addition of the SME interface or electronic cash register and by the use of the merchant card of the current CB system in the management. SMEs.
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
Abstract
Description
Claims
Priority Applications (8)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
CA002434236A CA2434236A1 (fr) | 2001-07-09 | 2002-07-09 | Systeme de caisse electronique pour porte-monnaie electronique |
BR0205711-5A BR0205711A (pt) | 2001-07-09 | 2002-07-09 | Sistema de pagamento por porta-moedas eletrônico |
IL15674302A IL156743A0 (en) | 2001-07-09 | 2002-07-09 | Electronic cash system for an electronic wallet |
KR10-2003-7003414A KR20030029948A (ko) | 2001-07-09 | 2002-07-09 | 전자 지갑을 위한 전자 화폐 시스템 |
MXPA03006418A MXPA03006418A (es) | 2001-07-09 | 2002-07-09 | Sistema de caja electronica para cartera electronica. |
US10/250,316 US6959873B2 (en) | 2001-07-09 | 2002-07-09 | Electronic cash system for an electronic wallet |
EP02764959A EP1412902A2 (fr) | 2001-07-09 | 2002-07-09 | Systeme de caisse electronique pour porte-monnaie electronique |
JP2003512891A JP2004534338A (ja) | 2001-07-09 | 2002-07-09 | 電子財布用電子現金システム |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
FR0109102A FR2827058B1 (fr) | 2001-07-09 | 2001-07-09 | Systeme de caisse electronique pour porte-monnaie electronique |
FR01/09102 | 2001-07-09 |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2003007201A2 true WO2003007201A2 (fr) | 2003-01-23 |
WO2003007201A3 WO2003007201A3 (fr) | 2004-02-19 |
Family
ID=8865290
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/FR2002/002407 WO2003007201A2 (fr) | 2001-07-09 | 2002-07-09 | Systeme de caisse electronique pour porte-monnaie electronique |
Country Status (14)
Country | Link |
---|---|
US (1) | US6959873B2 (fr) |
EP (1) | EP1412902A2 (fr) |
JP (1) | JP2004534338A (fr) |
KR (1) | KR20030029948A (fr) |
CN (1) | CN1518726A (fr) |
BR (1) | BR0205711A (fr) |
CA (1) | CA2434236A1 (fr) |
FR (1) | FR2827058B1 (fr) |
IL (1) | IL156743A0 (fr) |
MX (1) | MXPA03006418A (fr) |
RU (1) | RU2003123790A (fr) |
TW (1) | TW580630B (fr) |
WO (1) | WO2003007201A2 (fr) |
ZA (1) | ZA200301558B (fr) |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US10121140B2 (en) | 2004-04-15 | 2018-11-06 | Hand Held Products, Inc. | Proximity transaction apparatus and methods of use thereof |
Families Citing this family (16)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6618705B1 (en) | 2000-04-19 | 2003-09-09 | Tiejun (Ronald) Wang | Method and system for conducting business in a transnational e-commerce network |
EP1557776A1 (fr) * | 2004-01-26 | 2005-07-27 | Paschalis Papagrigoriou | Procédé permettant l'exécution de transactions de paiement basées sur un serveur et assistées par ordinateur |
US7765128B2 (en) * | 2004-07-21 | 2010-07-27 | Smart Destinations Inc. | Programmable ticketing system |
US8096479B2 (en) | 2007-02-23 | 2012-01-17 | Newpage Wisconsin System Inc. | Multifunctional paper identification label |
FR2915302B1 (fr) | 2007-04-20 | 2009-07-03 | Ingenico Sa | Terminal de paiement,procede et programme associes |
US9177313B1 (en) | 2007-10-18 | 2015-11-03 | Jpmorgan Chase Bank, N.A. | System and method for issuing, circulating and trading financial instruments with smart features |
CA2728136C (fr) | 2008-05-18 | 2015-02-10 | Google Inc. | Systeme de transaction electronique securisee |
US20110066512A1 (en) * | 2009-04-21 | 2011-03-17 | Kanngard Lars O | Applications of Stored Value Card |
US10878404B2 (en) * | 2010-06-29 | 2020-12-29 | Feitian Technologies Co., Ltd. | Method for operating an e-purse |
ITFI20120118A1 (it) * | 2012-06-12 | 2013-12-13 | V N E S R L | "un dispositivo di sicurezza per la custodia di denaro in comunicazione con il registratore di cassa" |
US10387846B2 (en) | 2015-07-10 | 2019-08-20 | Bank Of America Corporation | System for affecting appointment calendaring on a mobile device based on dependencies |
US10387845B2 (en) | 2015-07-10 | 2019-08-20 | Bank Of America Corporation | System for facilitating appointment calendaring based on perceived customer requirements |
CN107230072B (zh) * | 2016-03-25 | 2021-04-20 | 中国人民银行数字货币研究所 | 使用数字货币芯片卡进行网上支付的方法和系统 |
US10149565B2 (en) | 2016-10-04 | 2018-12-11 | Sonal Dave | Reconfigurable hanger |
US11438370B2 (en) | 2020-07-16 | 2022-09-06 | Capital One Services, Llc | Email security platform |
CN115689559A (zh) * | 2021-07-28 | 2023-02-03 | 聂明 | 数字钱包设备及其双离线交易方法 |
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EP0421808B1 (fr) * | 1989-10-06 | 1994-12-28 | André Peter Mansvelt | Système de transfert de fonds |
EP0797174A2 (fr) * | 1996-03-19 | 1997-09-24 | Fujitsu Limited | Méthode de transactions et infrastructure associée pour un système de fonds électroniques |
US6112984A (en) * | 1997-03-14 | 2000-09-05 | Snavely; John D. | Electronic wallet or purse with means for funds transfer |
WO2000062261A1 (fr) * | 1999-04-13 | 2000-10-19 | Manufacture D'appareillage Electrique De Cahors Regourd | Terminal, procede et systeme de gestion de transactions monetaires et de fourniture de services |
Family Cites Families (8)
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US5744787A (en) * | 1994-09-25 | 1998-04-28 | Advanced Retail Systems Ltd. | System and method for retail |
SE506506C2 (sv) * | 1995-04-11 | 1997-12-22 | Au System | Elektronisk transaktionsterminal, telekommunikationssystem innefattande en elektronisk transaktionsterminal, smart kort som elektronisk transaktionsterminal samt metod för överföring av elektroniska krediter |
GB9509582D0 (en) * | 1995-05-11 | 1995-07-05 | Jonhig Ltd | Value transfer system |
US6021944A (en) * | 1996-10-18 | 2000-02-08 | Hewlett-Packard Company | Transaction terminal for electronic purse transactions and the like |
IL121192A0 (en) * | 1997-06-30 | 1997-11-20 | Ultimus Ltd | Processing system and method for a heterogeneous electronic cash environment |
US6510983B2 (en) * | 1997-07-03 | 2003-01-28 | Citicorp Development Center, Inc. | System and method for transferring value to a magnetic stripe on a transaction card |
US6250557B1 (en) * | 1998-08-25 | 2001-06-26 | Telefonaktiebolaget Lm Ericsson (Publ) | Methods and arrangements for a smart card wallet and uses thereof |
US6505772B1 (en) * | 2000-06-22 | 2003-01-14 | First Data Corporation | System for utilizing a single card to provide multiple services in an open network environment |
-
2001
- 2001-07-09 FR FR0109102A patent/FR2827058B1/fr not_active Expired - Fee Related
-
2002
- 2002-06-24 TW TW091113731A patent/TW580630B/zh not_active IP Right Cessation
- 2002-07-09 MX MXPA03006418A patent/MXPA03006418A/es unknown
- 2002-07-09 WO PCT/FR2002/002407 patent/WO2003007201A2/fr not_active Application Discontinuation
- 2002-07-09 RU RU2003123790/09A patent/RU2003123790A/ru not_active Application Discontinuation
- 2002-07-09 CN CNA028042883A patent/CN1518726A/zh active Pending
- 2002-07-09 KR KR10-2003-7003414A patent/KR20030029948A/ko not_active Application Discontinuation
- 2002-07-09 EP EP02764959A patent/EP1412902A2/fr not_active Withdrawn
- 2002-07-09 BR BR0205711-5A patent/BR0205711A/pt not_active IP Right Cessation
- 2002-07-09 JP JP2003512891A patent/JP2004534338A/ja active Pending
- 2002-07-09 US US10/250,316 patent/US6959873B2/en not_active Expired - Fee Related
- 2002-07-09 IL IL15674302A patent/IL156743A0/xx unknown
- 2002-07-09 CA CA002434236A patent/CA2434236A1/fr not_active Abandoned
-
2003
- 2003-02-26 ZA ZA200301558A patent/ZA200301558B/en unknown
Patent Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
EP0421808B1 (fr) * | 1989-10-06 | 1994-12-28 | André Peter Mansvelt | Système de transfert de fonds |
EP0797174A2 (fr) * | 1996-03-19 | 1997-09-24 | Fujitsu Limited | Méthode de transactions et infrastructure associée pour un système de fonds électroniques |
US6112984A (en) * | 1997-03-14 | 2000-09-05 | Snavely; John D. | Electronic wallet or purse with means for funds transfer |
WO2000062261A1 (fr) * | 1999-04-13 | 2000-10-19 | Manufacture D'appareillage Electrique De Cahors Regourd | Terminal, procede et systeme de gestion de transactions monetaires et de fourniture de services |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US10121140B2 (en) | 2004-04-15 | 2018-11-06 | Hand Held Products, Inc. | Proximity transaction apparatus and methods of use thereof |
Also Published As
Publication number | Publication date |
---|---|
BR0205711A (pt) | 2003-07-15 |
KR20030029948A (ko) | 2003-04-16 |
ZA200301558B (en) | 2004-05-03 |
MXPA03006418A (es) | 2004-04-20 |
WO2003007201A3 (fr) | 2004-02-19 |
JP2004534338A (ja) | 2004-11-11 |
FR2827058B1 (fr) | 2005-05-27 |
CA2434236A1 (fr) | 2003-01-23 |
US20040056082A1 (en) | 2004-03-25 |
CN1518726A (zh) | 2004-08-04 |
RU2003123790A (ru) | 2005-02-10 |
IL156743A0 (en) | 2004-02-08 |
FR2827058A1 (fr) | 2003-01-10 |
TW580630B (en) | 2004-03-21 |
US6959873B2 (en) | 2005-11-01 |
EP1412902A2 (fr) | 2004-04-28 |
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