WO2004066223A1 - Systeme, procede a carte d'acces ou de prepaiement pour internet - Google Patents
Systeme, procede a carte d'acces ou de prepaiement pour internet Download PDFInfo
- Publication number
- WO2004066223A1 WO2004066223A1 PCT/FR2002/004416 FR0204416W WO2004066223A1 WO 2004066223 A1 WO2004066223 A1 WO 2004066223A1 FR 0204416 W FR0204416 W FR 0204416W WO 2004066223 A1 WO2004066223 A1 WO 2004066223A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- card
- code
- codes
- serial number
- transaction
- Prior art date
Links
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
- G06Q20/04—Payment circuits
-
- B—PERFORMING OPERATIONS; TRANSPORTING
- B42—BOOKBINDING; ALBUMS; FILES; SPECIAL PRINTED MATTER
- B42D—BOOKS; BOOK COVERS; LOOSE LEAVES; PRINTED MATTER CHARACTERISED BY IDENTIFICATION OR SECURITY FEATURES; PRINTED MATTER OF SPECIAL FORMAT OR STYLE NOT OTHERWISE PROVIDED FOR; DEVICES FOR USE THEREWITH AND NOT OTHERWISE PROVIDED FOR; MOVABLE-STRIP WRITING OR READING APPARATUS
- B42D15/00—Printed matter of special format or style not otherwise provided for
- B42D15/02—Postcards; Greeting, menu, business or like cards; Letter cards or letter-sheets
- B42D15/025—Postcards; Greeting, menu, business or like cards; Letter cards or letter-sheets with peel-away layer hiding information
-
- 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
- G06Q20/29—Payment schemes or models characterised by micropayments
-
- 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
- G06Q20/342—Cards defining paid or billed services or quantities
-
- 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
- G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
- G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
Definitions
- the present invention relates to remote transactions, secure access to networks, remote payments and micro-payments by means of a prepaid card delivering unique disposable scratch codes. It is not currently possible to make micro-purchases on
- the aim of the present invention is therefore to secure remote transactions and access to networks anonymously.
- a medium paper card, plastic, CR-ROM, optical disc ! which contains a series of predetermined codes.
- Each card is unique, identified by a unique number. It has disposable codes, all different, hidden by a scratch-off film or protected in reading. These codes are used to validate the transaction, or access in progress, using a remote server.
- the user With each transaction, the user discovers a disposable code by scratching the film which hides it, or by means of a device allowing its reading, and transmits it, with the number of the card to the supplier of goods or services.
- the remote server has in its database all the numbers and codes of each card and thus allows to validate or not the transaction.
- the invention relates to a card for prepaid transactions on the Internet, the card comprising:
- the serial number is accessible to a user, - the set includes more than one masked code,
- the transaction is a payment
- - the transaction is anonymous access to a network and / or a website
- serial number and / or the codes consist of Arabic numerals and / or barcode
- the invention also relates to a system for prepaid transactions on the Internet, characterized in that it comprises at least one card according to any one of the preceding claims, software allowing at least the entry and transfer to a server of a number of serial and card code, the server containing all card numbers and codes for comparison.
- the invention finally relates to a method for prepaid transaction on the Internet characterized in that for a user having a card according to any one of the preceding characteristics possibly combined, during a transaction the user scratches the mask of a code and provides the serial number of his card and the code unmasked to a server containing in a database all the card numbers and the corresponding codes, the transaction being validated in case of correspondence between the code and the number of the card supplied and the base of data, the code associated with the serial number then being invalidated in the database in order to be for single use.
- the invalidation of the code corresponds to the deletion in the database of the code for the serial number supplied.
- the card in FIG. 1 is a support made of plastic or paper of business or bank card format, or even other shapes or sizes.
- the support includes a user-readable serial number and a set greater than one of hidden single-use codes.
- the code mask can be scratched and has a serial number.
- the validation of the transaction is carried out by comparison of the serial number and the unmasked code of the card transmitted to the server with the database of the server comprising all the codes with their serial numbers.
- the correspondence search is carried out in the database with the first code for the serial number in question.
- the corresponding code can be deleted from the database (the correspondence search is then always carried out on the first element of the code list), a validity / expiration field of the code positioned at expired (the search for correspondence is then carried out on the first valid code) or any other method preventing the reuse of a code after a validated transaction.
- the serial number of the card is printed at the top on the first line.
- Arabic numerals and / or a bar code may be used in case optical reading means are available.
- the rest of the card surface has a set of code areas covered by a mask which can be removed by scratching.
- the user By the use of such a card, the user is guaranteed to carry out his transaction or access to a particular network or site anonymously. He also has the assurance of making payments for the amount related to the use of the disposable code. This code being unique, it cannot be used for another transaction. Thus, the user has the assurance that only the amount of the transaction corresponding to the disposable code will be debited from the account of this prepaid card.
- the seller of goods or services then contacts the distributor of the prepaid Internet card in order to be paid.
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
Claims
Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
AU2002364457A AU2002364457A1 (en) | 2002-12-18 | 2002-12-18 | System, access card or prepayment method for internet |
PCT/FR2002/004416 WO2004066223A1 (fr) | 2002-12-18 | 2002-12-18 | Systeme, procede a carte d'acces ou de prepaiement pour internet |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
PCT/FR2002/004416 WO2004066223A1 (fr) | 2002-12-18 | 2002-12-18 | Systeme, procede a carte d'acces ou de prepaiement pour internet |
Publications (1)
Publication Number | Publication Date |
---|---|
WO2004066223A1 true WO2004066223A1 (fr) | 2004-08-05 |
Family
ID=32749527
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/FR2002/004416 WO2004066223A1 (fr) | 2002-12-18 | 2002-12-18 | Systeme, procede a carte d'acces ou de prepaiement pour internet |
Country Status (2)
Country | Link |
---|---|
AU (1) | AU2002364457A1 (fr) |
WO (1) | WO2004066223A1 (fr) |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US7134594B2 (en) * | 2000-03-16 | 2006-11-14 | Daniel Thompson | Pre-paid purchasing card and method |
Citations (12)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5577109A (en) * | 1994-06-06 | 1996-11-19 | Call Processing, Inc. | Pre-paid card system and method |
FR2747962A1 (fr) * | 1995-12-19 | 1997-10-31 | Ittah Aaron | Titre de paiement sur tous les types de reseaux electroniques et en particulier le reseau internet |
WO2000010140A1 (fr) * | 1998-08-17 | 2000-02-24 | Shem Ur Jonathan | Procede destine a eviter l'utilisation frauduleuse de cartes de credit dans les paiements a distance et carte a code supplementaire facultatif |
WO2000062214A1 (fr) * | 1999-04-08 | 2000-10-19 | Cleartogo.Com | Technique de securite pour carte de credit |
WO2000074006A1 (fr) * | 1999-06-01 | 2000-12-07 | Ic Company | Systeme |
FR2798028A1 (fr) * | 1999-08-25 | 2001-03-02 | Gemplus Card Int | Methode et systeme de paiement avec cartes a gratter |
EP1111560A1 (fr) * | 1999-11-26 | 2001-06-27 | Netcard Cash Limited | Système de paiement |
WO2001067407A1 (fr) * | 2000-03-07 | 2001-09-13 | Technocash, Inc. | Systeme de paiement de commerce electronique |
WO2001069546A2 (fr) * | 2000-03-16 | 2001-09-20 | Daniel Thompson | Carte d'achat prepayee et procede associe |
FR2812739A1 (fr) * | 2000-08-02 | 2002-02-08 | Ride I | Procede et systeme permettant aux utilisateurs d'un reseau de communication, notamment du type internet, d'effectuer des paiements securises |
FR2823882A1 (fr) * | 2001-04-23 | 2002-10-25 | New Access Sa | Procede et systeme de validation de paiement |
FR2827062A1 (fr) * | 2001-07-03 | 2003-01-10 | Thierry Baillie | Systeme, procede a carte prepayee internet securisee |
-
2002
- 2002-12-18 AU AU2002364457A patent/AU2002364457A1/en not_active Abandoned
- 2002-12-18 WO PCT/FR2002/004416 patent/WO2004066223A1/fr not_active Application Discontinuation
Patent Citations (12)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5577109A (en) * | 1994-06-06 | 1996-11-19 | Call Processing, Inc. | Pre-paid card system and method |
FR2747962A1 (fr) * | 1995-12-19 | 1997-10-31 | Ittah Aaron | Titre de paiement sur tous les types de reseaux electroniques et en particulier le reseau internet |
WO2000010140A1 (fr) * | 1998-08-17 | 2000-02-24 | Shem Ur Jonathan | Procede destine a eviter l'utilisation frauduleuse de cartes de credit dans les paiements a distance et carte a code supplementaire facultatif |
WO2000062214A1 (fr) * | 1999-04-08 | 2000-10-19 | Cleartogo.Com | Technique de securite pour carte de credit |
WO2000074006A1 (fr) * | 1999-06-01 | 2000-12-07 | Ic Company | Systeme |
FR2798028A1 (fr) * | 1999-08-25 | 2001-03-02 | Gemplus Card Int | Methode et systeme de paiement avec cartes a gratter |
EP1111560A1 (fr) * | 1999-11-26 | 2001-06-27 | Netcard Cash Limited | Système de paiement |
WO2001067407A1 (fr) * | 2000-03-07 | 2001-09-13 | Technocash, Inc. | Systeme de paiement de commerce electronique |
WO2001069546A2 (fr) * | 2000-03-16 | 2001-09-20 | Daniel Thompson | Carte d'achat prepayee et procede associe |
FR2812739A1 (fr) * | 2000-08-02 | 2002-02-08 | Ride I | Procede et systeme permettant aux utilisateurs d'un reseau de communication, notamment du type internet, d'effectuer des paiements securises |
FR2823882A1 (fr) * | 2001-04-23 | 2002-10-25 | New Access Sa | Procede et systeme de validation de paiement |
FR2827062A1 (fr) * | 2001-07-03 | 2003-01-10 | Thierry Baillie | Systeme, procede a carte prepayee internet securisee |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US7134594B2 (en) * | 2000-03-16 | 2006-11-14 | Daniel Thompson | Pre-paid purchasing card and method |
Also Published As
Publication number | Publication date |
---|---|
AU2002364457A1 (en) | 2004-08-13 |
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