WO2010132963A1 - Equipment for transfer of electronic transactions - Google Patents

Equipment for transfer of electronic transactions Download PDF

Info

Publication number
WO2010132963A1
WO2010132963A1 PCT/BR2009/000219 BR2009000219W WO2010132963A1 WO 2010132963 A1 WO2010132963 A1 WO 2010132963A1 BR 2009000219 W BR2009000219 W BR 2009000219W WO 2010132963 A1 WO2010132963 A1 WO 2010132963A1
Authority
WO
WIPO (PCT)
Prior art keywords
transfer
equipment
card
electronic transactions
buyer
Prior art date
Application number
PCT/BR2009/000219
Other languages
French (fr)
Inventor
Ivan Rocha Rodrigues
Original Assignee
Ivan Rocha Rodrigues
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 Ivan Rocha Rodrigues filed Critical Ivan Rocha Rodrigues
Priority to PCT/BR2009/000219 priority Critical patent/WO2010132963A1/en
Publication of WO2010132963A1 publication Critical patent/WO2010132963A1/en

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
    • 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
    • G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
    • 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
    • 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
    • G07F7/0873—Details of the card reader
    • 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
    • G07F7/1075—PIN is checked remotely

Definitions

  • This invention refers to an unpublished and functional portable device for the transfer of online and offline electronic transactions, in order to make payment of bills, services, goods and other ones without using paper money, through a buyer's smart card.
  • the card effectiveness will be checked, and afterwards the device requests the amount of the operation and the safety password of both cards, which must be entered in order to transfer the sum from the buyer's to the seller's card.
  • the present object is intended to facilitate financial transactions that users perform daily, without using paper money, thus avoiding the transport and circulation of cash.
  • the smart card has data of its owner, name, unique code with specific identification of each country, numeric or biometric password.
  • Each person will have a unique and nontransferable card; each individual will have only one card.
  • Each businessperson, whether natural or legal person, will have a transfer equipment to consummate the receipts of his sales or payment to suppliers - offline payment.
  • Legal entities will receive payments on demand, as if it were cash, and the credits will be stored in their smart card.
  • Natural persons, such as physicians, salespersons, street vendors, independent contractors and others will have an equipment for the transfer of amounts and a smart card to store their receipts and make their payments.
  • the transfer equipment has two inlets to insert the smart cards, one for the buyer's card and the other for the seller's card.
  • the equipment does not have memory; thus, it does not store the transactions made; it creates a debit transaction to the buyer's card and credit to the seller's card.
  • the equipment analyzes if the cards are r valid, if the payer's card has balance and checks the passwords to only then perform the operation with digital certification.
  • the card is connected to an equipment, it analyzes if such equipment is an authorized one, and only after this operation it will allow the equipment to read its data and proceed with the operation.
  • the equipment has a USB output for connection to a computer or equipment of your bank branch. This procedure allows to enter credits in the card or make deposit in your checking account. A datacenter will evaluate and validate the transactions.
  • the cards In order to be marketed, the cards will be recorded in the datacenter in the name of the owner that is acquiring it, with personal data and numeric or biometric passwords. Additionally, the equipment will also be registered in the datacenter in the name of its owner (natural or legal person). Online transactions may occur in case the equipment, during a transaction, is connected to a computer with access to the datacenter or your bank branch. Cards must be revalidated from time to time to keep the safety of the transactions, of the parties involved and the reliability in the system. This transaction system has multiple advantages, among which: more safety, faster operations, reduction and even extinction of the transport of cash by armored cars. Transactions may be carried out at any time and any place, since they can be both online and offline, among others.
  • the equipment When identifying a fraud, the datacenter will automatically block the card, which will be cleared only after attendance of its owner to an accredited store for clarifications.
  • the equipment consists of a portable device, similar to a pocket calculator, powered by electrical energy or battery, supplied with alphanumeric keys, browsing buttons, screen, inlet for two cards (the buyer's and seller's) and USB output.
  • the card has a magnetic strip, a chip containing all information of the holder's registration, with processing capacity, in view of an embedded microprocessor and memory, with sophisticated safety mechanisms.
  • Fig. 1 Presents a front perspective view of the object in question
  • Fig. 2 Presents a rear perspective view of the object in question
  • Fig. 3 Presents a front perspective view of the object in question, with the embedded cards
  • Fig. 4 Presents a front view of the card of the object in question.
  • the "EQUIPMENT FOR TRANSFER OF ELECTRONIC TRANSACTIONS” now in question is characterized for being formed by a device for online and offline electronic transactions (1) having two inlets (2-3) for inserting the purchase and sale cards (4), one screen for viewing information (5), alphanumeric keys (6), direction keys (7) and USB output (8), powered by electrical energy (9) or battery, packaged in the rear compartment (1) and a Bluetooth transfer device(14).
  • the purchase and sale card (4) has a magnetic strip (11 ), security chip with all registration information of its owner (12) and printed data (13).
  • the "EQUIPMENT FOR TRANSFER OF ELECTRONIC TRANSACTIONS' gathers the necessary conditions for earning the Patent of Invention.

Landscapes

  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (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

This invention refers to an unpublished and functional portable device for the transfer of online and offline electronic transactions (1 ) in order to make payment of bills, services, goods and other ones without using paper money, through a buyer's smart card (4). By connecting it to the device, the card effectiveness will be checked, and afterwards the device requests the amount of the operation and the safety password of both cards, which must be entered in order to transfer the sum from the buyer's to the seller's card.

Description

Title: "EQUIPMENT FOR TRANSFER OF ELECTRONIC TRANSACTIONS." This invention refers to an unpublished and functional portable device for the transfer of online and offline electronic transactions, in order to make payment of bills, services, goods and other ones without using paper money, through a buyer's smart card. By connecting it to the device, the card effectiveness will be checked, and afterwards the device requests the amount of the operation and the safety password of both cards, which must be entered in order to transfer the sum from the buyer's to the seller's card. The present object is intended to facilitate financial transactions that users perform daily, without using paper money, thus avoiding the transport and circulation of cash. The smart card has data of its owner, name, unique code with specific identification of each country, numeric or biometric password. Each person will have a unique and nontransferable card; each individual will have only one card. Each businessperson, whether natural or legal person, will have a transfer equipment to consummate the receipts of his sales or payment to suppliers - offline payment. Legal entities will receive payments on demand, as if it were cash, and the credits will be stored in their smart card. Natural persons, such as physicians, salespersons, street vendors, independent contractors and others will have an equipment for the transfer of amounts and a smart card to store their receipts and make their payments. The transfer equipment has two inlets to insert the smart cards, one for the buyer's card and the other for the seller's card. The equipment does not have memory; thus, it does not store the transactions made; it creates a debit transaction to the buyer's card and credit to the seller's card. To make the transaction, the equipment analyzes if the cards are r valid, if the payer's card has balance and checks the passwords to only then perform the operation with digital certification. When the card is connected to an equipment, it analyzes if such equipment is an authorized one, and only after this operation it will allow the equipment to read its data and proceed with the operation. The equipment has a USB output for connection to a computer or equipment of your bank branch. This procedure allows to enter credits in the card or make deposit in your checking account. A datacenter will evaluate and validate the transactions. In order to be marketed, the cards will be recorded in the datacenter in the name of the owner that is acquiring it, with personal data and numeric or biometric passwords. Additionally, the equipment will also be registered in the datacenter in the name of its owner (natural or legal person). Online transactions may occur in case the equipment, during a transaction, is connected to a computer with access to the datacenter or your bank branch. Cards must be revalidated from time to time to keep the safety of the transactions, of the parties involved and the reliability in the system. This transaction system has multiple advantages, among which: more safety, faster operations, reduction and even extinction of the transport of cash by armored cars. Transactions may be carried out at any time and any place, since they can be both online and offline, among others. When identifying a fraud, the datacenter will automatically block the card, which will be cleared only after attendance of its owner to an accredited store for clarifications. The equipment consists of a portable device, similar to a pocket calculator, powered by electrical energy or battery, supplied with alphanumeric keys, browsing buttons, screen, inlet for two cards (the buyer's and seller's) and USB output. The card has a magnetic strip, a chip containing all information of the holder's registration, with processing capacity, in view of an embedded microprocessor and memory, with sophisticated safety mechanisms. Thus, an equipment has been developed which offers practicality, safety and industrial applicability. For a perfect view and understanding of the "EQUIPMENT FOR TRANSFER OF ELECTRONIC TRANSACTIONS," in question, below are the illustrative drawings, where: Fig. 1 - Presents a front perspective view of the object in question; Fig. 2 - Presents a rear perspective view of the object in question; Fig. 3 - Presents a front perspective view of the object in question, with the embedded cards; Fig. 4 - Presents a front view of the card of the object in question. According to the illustration and in its details, the "EQUIPMENT FOR TRANSFER OF ELECTRONIC TRANSACTIONS," now in question is characterized for being formed by a device for online and offline electronic transactions (1) having two inlets (2-3) for inserting the purchase and sale cards (4), one screen for viewing information (5), alphanumeric keys (6), direction keys (7) and USB output (8), powered by electrical energy (9) or battery, packaged in the rear compartment (1) and a Bluetooth transfer device(14). The purchase and sale card (4) has a magnetic strip (11 ), security chip with all registration information of its owner (12) and printed data (13). For the advantages it offers and for possessing truly innovative features, the "EQUIPMENT FOR TRANSFER OF ELECTRONIC TRANSACTIONS' gathers the necessary conditions for earning the Patent of Invention.

Claims

C L A I M S
1) "EQUIPMENT FOR TRANSFER OF ELECTRONIC TRANSACTIONS," now in question is characterized for being formed by a device for online and offline electronic transactions (1) having two inlets (2- 3) for inserting the purchase and sale cards (4), one screen for viewing information (5), alphanumeric keys (6), direction keys (7) and USB output (8), powered by electrical energy (9) or battery, packaged in the rear compartment (10) and a bluetooth transfer device (14).
PCT/BR2009/000219 2009-05-18 2009-07-22 Equipment for transfer of electronic transactions WO2010132963A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/BR2009/000219 WO2010132963A1 (en) 2009-05-18 2009-07-22 Equipment for transfer of electronic transactions

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
BR018090025118 2009-05-18
PCT/BR2009/000219 WO2010132963A1 (en) 2009-05-18 2009-07-22 Equipment for transfer of electronic transactions

Publications (1)

Publication Number Publication Date
WO2010132963A1 true WO2010132963A1 (en) 2010-11-25

Family

ID=43125679

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/BR2009/000219 WO2010132963A1 (en) 2009-05-18 2009-07-22 Equipment for transfer of electronic transactions

Country Status (1)

Country Link
WO (1) WO2010132963A1 (en)

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2013182067A1 (en) * 2012-06-06 2013-12-12 中国银联股份有限公司 Method and system for off-line credit for load
CN104464114A (en) * 2014-12-11 2015-03-25 上海富友支付服务有限公司 System and method for managing and monitoring safety of application of financial terminals
CN106023433A (en) * 2016-05-11 2016-10-12 广州海鹚网络科技有限公司 IC card applied on-line payment terminal and payment method thereof
US10915884B2 (en) 2017-10-27 2021-02-09 International Business Machines Corporation Processing mobile payments when disconnected from payment servers

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0546584A1 (en) * 1991-12-13 1993-06-16 Matsushita Electric Industrial Co., Ltd. Data transfer method
WO2005119608A1 (en) * 2004-06-03 2005-12-15 Tyfone, Inc. System and method for securing financial transactions

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0546584A1 (en) * 1991-12-13 1993-06-16 Matsushita Electric Industrial Co., Ltd. Data transfer method
WO2005119608A1 (en) * 2004-06-03 2005-12-15 Tyfone, Inc. System and method for securing financial transactions

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2013182067A1 (en) * 2012-06-06 2013-12-12 中国银联股份有限公司 Method and system for off-line credit for load
US20150339660A1 (en) * 2012-06-06 2015-11-26 China Unionpay Co., Ltd. Method and system for off-line credit for load
CN104464114A (en) * 2014-12-11 2015-03-25 上海富友支付服务有限公司 System and method for managing and monitoring safety of application of financial terminals
CN106023433A (en) * 2016-05-11 2016-10-12 广州海鹚网络科技有限公司 IC card applied on-line payment terminal and payment method thereof
US10915884B2 (en) 2017-10-27 2021-02-09 International Business Machines Corporation Processing mobile payments when disconnected from payment servers
US11074573B2 (en) 2017-10-27 2021-07-27 International Business Machines Corporation Processing mobile payments when disconnected from payment servers
US11687914B2 (en) 2017-10-27 2023-06-27 Edison Vault, Llc Processing mobile payments when disconnected from payment servers

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