WO2015083093A1 - Smart card support for virtual integration of multiple electronic and magnetic cards - Google Patents

Smart card support for virtual integration of multiple electronic and magnetic cards Download PDF

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Publication number
WO2015083093A1
WO2015083093A1 PCT/IB2014/066547 IB2014066547W WO2015083093A1 WO 2015083093 A1 WO2015083093 A1 WO 2015083093A1 IB 2014066547 W IB2014066547 W IB 2014066547W WO 2015083093 A1 WO2015083093 A1 WO 2015083093A1
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WO
WIPO (PCT)
Prior art keywords
card
chip
cards
community
payment
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PCT/IB2014/066547
Other languages
French (fr)
Inventor
Toudie Roger GBOHOU
Original Assignee
Gbohou Toudie Roger
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Application filed by Gbohou Toudie Roger filed Critical Gbohou Toudie Roger
Publication of WO2015083093A1 publication Critical patent/WO2015083093A1/en

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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
    • G07F7/0806—Details of the card
    • G07F7/0833—Card having specific functional components
    • 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
    • G06Q20/357—Cards having a plurality of specified features
    • 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
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3572—Multiple accounts on card

Definitions

  • the present invention relates to a support for electronic and magnetic cards that can be used in digital payment systems.
  • (n) define the number of microcontroller or memory cards in possession of (P).
  • (P) defines as carrier of n cards will have to choose the card (a) among n cards in his possession, he tries an action (i) on a card reader (i '), the issued request is brought to the server Exterior (SE) for information processing.
  • SE server Exterior
  • another choice of card (b) is required if (p) wants to satisfy his need. So on until the map n for an uth choice of map (en) and the nth attempt (n) on a device ( ⁇ ') for a response of (ES).
  • the invention of the smart card has today enabled a presence on the market of multitudes of bank cards and services. All these cards bring each one his solutions in relation to our daily needs. In general, the problems mentioned below arise:
  • the invention is characterized by Figure 2 as follows.
  • n cards A number of n cards is digitized on the medium (1). According to the claim, the card possessor (p) does one and only one action (i) to satisfy his need (even if there were several attempts at the 1st Exploitation Device).
  • the solution is to offer (P) the following solutions provided by the invention:
  • N ⁇ A ⁇ 2
  • the main chip chip A FIG. 3 makes it possible to process the information of conventional routines (card authentication, identification of the cardholder) of electronic cards
  • the second chip B FIG. 3) enables the management of community reference applications (virtual cards and community services linked to these cards).
  • the invention according to Figure 3 technically the device is composed of 2 chips.
  • the chip A exploits the conventional information said earlier, the chip B information about the virtualization and exploitation of the N virtual cards.
  • the methods for the exploitation of data of the conventional routine are transmitted by (16) according to FIG. 5 of the chip (A) to the (15) for validation of the conventional routine.
  • the acceptance of the information of the classic routine implies continuation of the process.
  • the (15) allows the (16) and (27) to carry the instructions and information to (28) according to the scheme (B) of Figure 5.
  • the chip (B) of FIG. 3 of the electronic payment smart card (1) after the conventional routine of the chip (A) of FIG. 3 and the acceptance of the data of (3 ') of FIG. 3, coming from a scan reader;
  • the chip (B) visualizes each of the virtual cards stored in its memory and analyzes the conditions of their operation. It proposes, in case of request, the operating conditions of the other virtual cards which are part of the system and which are identifiable at the level of the main server of the system. It proposes the exploitation of community services defined at the server level.
  • Figure (3 ') showing instructions for recognizing the membership of the physical card to the community network.
  • the 2 nd microcontroller (30) consisting of 31, 32, 33, 34 according to Figure 5, prepare the following information according to claim 11 and according to FIG.
  • interpellation of the priority virtual card a first choice card of the virtual cards integrated with the possession of (P) according to FIG. card should be supposed to provide a priori solution to the need of (P). It is put into operation automatically according to the invention. If accepted, traditional card-related services and community services preliminaries are exploitable at its level.
  • the secondary data of the community services are processed at the level of a TPEC and the sensitive data of the card and the community services remain at the management of the external servers (community server and server of issuer of the card (Visa, Master card etc. which according to the cooperation and partnership agreements allow its exploitation according to the rules necessary to the rules of security of transaction).
  • the choice of the card to be executed is at the secondary level, ie smaller exploitation cards or considered as second choice cards, the same process as at the level of the first choice cards is applied. only these cards come into play by validating the keyboard key of the card reader device.
  • the choice of level 3 of the card occurs when the first choice and the second choice do not provide a solution to (P).
  • the (30) in Figure 5 offers purchase options (the service is purchased to be operated when needed, it can be renewed at any time following a new request for service purchase. for an exploitation is linked to a given period All the choices are subject to rules that (p) a priori is supposed to know before the signature of the exploitation contract or by an operator in presence, (p) makes its choice of purchase of service or loan of service Here the cost of the operation becomes higher than the other previous costs The data transmission procedures remain the same.
  • the chip (B) is created for the processing of the basic information of the management of the virtual cards and to allow a speed of response of the overall system. It will have more efficient processor and coprocessor and EEP OM and RAM memories more powerful than the chip (A).
  • the identification number of the universal card will be the information to be transmitted in order to operate the procedure for accepting a transaction.
  • a protection procedure according to the claims is put in place to give more protection to the sensitive data.
  • the Community identification (3 ') is taken into account by the card reader TPE / C or DAB / C.
  • Figure 7 shows the connections between the chip (A) and the chip (B) the two chips being defined according to ISO 7816-3.
  • (39) is the connection of the C1 doors of the two chips according to Figure 7, they correspond to the positive supply voltage (VCC) of the chip (according to Figure 6).
  • (40) is the connection of C2 doors of the two chips according to Figure 7, they correspond to the reset command (ST) of the chip (according to Figure 6).
  • (41) is the connection of the C3 doors of the two chips according to Figure 7, they correspond to the clock (CLK) (according to Figure 6). They punctuate the exchange of data between the card and its reader.
  • (45) is the bidirectional connection of the C7 gates of the two chips according to FIG. 7 which correspond to the signal of the inputs and outputs (I / O) of data coming from the outside to the card and between the two cards (according to FIG. 6).
  • the invention presents the standardized dimensions of bank cards according to the ISO 7816-1 standard specifying the physical characteristics of the card.
  • the ISO 7816-2 standard defining the position and the pin assignment of the card contacts.
  • the ISO 7816-3 standard defines the electrical levels and low-level timing diagrams that govern the dialogue with smart cards.
  • the ISO 7816-4 standard defining the various basic commands of the cards.
  • the invention in its manufacture according to Figure 6, will integrate a chip (A) Titanium Smartcard os version 1.06 Ram: 1024 Byte, Eeprom: 32kb programmable or other similar.
  • the position of (A) will be in accordance with ISO 7816-2 and that of (B) for the management of community level first level information at the same level as (A).
  • the chip (B) would be a FUN chip 6 with an Atmel 8515A microcontroller and a 24C1024 memory or the like.
  • the (3 ') of FIG. 3 represents the reading code by laser scan integrated in the TPEC, it is arranged on the PVC plastic covering the chip (B) according to (3) of FIG. , the chip (B) will have its connection only from (2) of Figure 3 which will be the only connection to the card reader.
  • the (3 ') will house the recognition information of the community membership physical map.
  • the ISO dimensions 7816-1 of (1) to the face (la) of Figure 3 composed of (2), (3) and (3 ') are as follows:
  • the width (7) according to FIG. 3 will be 54 mm
  • the length (6) according to FIG. 3 will be 85.6 mm
  • the thickness (5) according to FIG. 3 will be 0.76 mm
  • the (2) according to Figure 3 will comply with ISO 7816-1.
  • the (3) according to FIG. 3 will be at a length of approximately 57 mm along (6 ') of FIG. 3 and will be positioned at the same level of width at (2) according to FIG. 3 which will comply with the ISO 7816-1 standard.
  • the (8) and (9) of (A) are integrated in (14) according to Figure 4, as in the normal manufacture of a card.
  • the (10), (11) placed above (8) and (9) of (B) integrate with the dimensional change at (14).
  • the invention and its claims (14 ') represents the connection link between the pins of (A) and (B).
  • the PVC manufacturing (11) will separate the (8) from the (10).
  • the smart card has on its back according to Figure 3a, a magnetic strip (la) which complies with the 7816-1 standards with use subject to ISO 7811.
  • the space below (A) according to FIG. 3 is the embossing space where the affiliation number of the card will be highlighted, the identification of the wearer (P), date card issue.
  • the present invention is TPE / C (Community Electronic Payment Terminal), is related to that of the electronic smart card support, the ATM (Automatic Ticket Dispenser with Community Option) and the dedicated virtual space for the management of electronic cards. services developed for the economic development of a community network.
  • the invention is technologically characterized by a Dual Core, a dual RAM memory for data storage, card reader device such as pin-contact reader, scanner reading and magnetic reading. The integration of these technologies with the previous system allows the exploitation of the intelligent support of electronic cards.
  • Payment terminal according to the invention has for object:
  • TPEC terminal with devices (5) of Figure (8)
  • TPEC these devices allowing contact reading of the smart card pins and card reading technology of the TPEC and reading by an embedded scanner system
  • At the extreme entrance of the TPEC card reader is made to identify certain information printed on the physical card that is introduced to be in contact with the TPEC card reader technology.
  • the contact reading of the pins of the smart support card is made for the execution of the previous routine and the execution of community routines.
  • the scanner reading of certain physical information printed on the card is a second routine implemented to give the system another dimension of securing the system. This information read by the scanner will allow after acceptance of their authenticity, secondary routines.
  • the TPE / C FIG. 8 presents a microcontroller composed of an eprom, a processor and memories that can be adapted to the requirements of good system operation.
  • the terminal is provided with keyboard figure 16 with a new configuration as follows: the green key becomes a combined color key Green / Violet (V / Vi). The green performs the previous operation only and the Violette allows the classic / community operation (choice of cards). The yellow key becomes a yellow / blue (J / B) combination key. yellow executes the previous operation only and the blue allows the classico / community operation (choice of services).
  • the keyboard is described by the simplified logic diagram of Figure 16.
  • the keys are represented by push plugs in the block diagram.
  • the input linked to this key is activated (takes the potential 5v or the numerical value 1).
  • the encoder returns the activated input number in binary value on 5 bits (o or 1) to the outputs. This data is returned by the converter to the microcontroller functions.
  • the (Vi) and (B) by two pressures returns another input number for other functions different from those of (J) and (V).
  • the device (1) of Figure (8) the microcontroller is composed of device (2), device (3) and device (4).
  • the device (3) being a Dual-core processor
  • the device (4) being a dual memory array.
  • the device (1) of Figure (9) communicates with the (3) which is the M l and the device (2) communicates with the (3 ') which is the M2.
  • M l and M2 being physically distinct.
  • the device (1) and Ml deal with the tasks which are the conventional routines of the state prior to the invention.
  • the device (2) and M2 deal with tasks that are the community service management routines.
  • the capacity (see (5) of FIG. (9)) of M2 is greater than that of Ml, but in operation M2 could, however, if necessary, benefit from a part of the space of Ml if this this is obviously available.
  • the present invention is DAB / C (Community Automatic Banknote Cash Dispenser), designed with the option of fast processing of routines related to the operation of smart electronic card support, and processes integrated into the dedicated virtual space. for the management of services developed for the economic development of a community network, as described in the claims.
  • the invention is technologically characterized by a core processor 4, multi Ram memory for data storage, card reader device such as: pin contact reading, scanner reading and a keyboard with combined keys ( Yellow / Violet) and (Green / Blue).
  • the subject of the invention is: The provision of a technological instrument suitable for the exploitation of intelligent support figure 3 for a fundamental support to the economic development of a community network.
  • the arrangement of a technology making it possible to exploit the information of the invention 1 is, at level 1 of the invention 1, and in parallel function with the locally integrated levels 3 and 4 of the present method.
  • the method is characterized by a banknote dispenser in addition to performing routine routine operations, a community economy virtual management option.
  • the contact reading of the pins of the smart card is made for the execution of the routine routine and the execution of community routines.
  • FIG. 13 which represents the new DAB / C system in a Kmelia architecture.
  • the keyboard (FIG. 16) from which the request (1), request for the virtual exploitation of community economy starts, is defined by two color keys (J / Vi) and (V / B).
  • (J) means yellow
  • (Vi) means violet
  • (J / Vi) means the key composed of half Yellow and half Violet color and is respectively defined (J) as an action for the execution of the routine routine 1 previous routine), (Vi) in 2 actions for l Execution of the new and routine Community Environment routine routine 1 (choice of cards).
  • V means Green
  • B means Blue
  • V / B means the key composed of half green and half blue color and is respectively defined as V in 1 action for classical routine execution 2 previous, B in two actions for a routine new routine routine and environment routine Community 2 Choice of Services).
  • FIG. 13 representing the functional diagram in Kmelia of our DAB / C system and the request (1) of the keyboard activated from (J / Vi) or (V / B), introduced (P) on the virtual community space.
  • the interface allows it (P) to have in addition to the previous routines of the DABs a vision of choice of the new routines brought by the DAB / Cs. ie a vision on the choice of exploitation of the community economy, (la) allows a field of exploitation (request, withdraw, amount, code, request_ident, consultation, deposit).
  • the Community Economy Operating System allows the exploitation of virtual cards or the operation of services integrated into the community economy.
  • the DAB / C to a device also characterized by Figure (1) called microcontroller is composed of device (2), device (3) and device (4).
  • the device (3) being a Bi-core processor, the device (4) being a dual memory array.
  • the device (1) of Figure (9) communicates with the (3) which is the M l and the device (2) communicates with the (3 ') which is the M2. Ml and M2 being physically distinct.
  • the device (1) and Ml deal with the tasks which are the conventional routines of the state prior to the invention.
  • the device (2) and M2 deal with tasks that are the community service management routines.
  • the capacity (see (5) of FIG. (9)) of M2 is greater than that of Ml, but in operation M2 could, however, if necessary, benefit from a part of the space of Ml if this this is obviously available.
  • a digital space defined by inventions 1, 2, 3, linked together to be exploitable for a specific purpose of development, promotion of the community economy.
  • the space being represented by a set of servers, whose pivot server (s) recognized as the operating masters of the system, the servers belonging to the bank, main partner, the servers belonging to the secondary partner banks, the commercial customers, the servers of the private partners, public etc. the end customers.
  • a number of dedicated innovative services are implemented, digitized mainly for the benefit of the community.
  • the characteristic of this innovation is the set of services containing non-existent operating systems in the state of the prior art. These services are performed on space and applicable to technologies and systems of inventions, 1, 2, 3.
  • the invention results from putting the technologies and systems of the individual inventions 1, 2, 3 together on a technology and system (a suitably constructed set of servers) able from a virtual space, to produce results favorable to the development of a Community economy.
  • the invention has the particularity of switching technology and systems to the benefit of a digital development of the community economy.
  • This space contains, according to FIG. 17, the device (1) called the pivot server (main device for the operation of the space), provided with a device (2) composed of the technology (3), the technology ( 4) which is equipped with quad-core multi-spot processor and multi memory technology (5) also with shared tasks.
  • the hub server according to FIG. 18 integrates technology (2) and functions (6), (7), (8), (9), (10). Outside (2), the space (20) according to FIG.
  • the environment of the Community Economic Area takes into account the presence of a main bank (17), this bank also a leading actress, is a direct means of dissemination, savings and community investment where (P ) integrated.
  • the environment takes into account the presence of secondary bank (s) (18), a bank (s) which complements the main bank according to the Community banking commitments.
  • secondary bank s
  • s bank
  • Figure 24 which titles (6) and (10) of Figure 17.
  • the (6) is characterized by virtual services such that: OkSi applies to the defined by figure 18 which represents the system of control by generation of code executed in local environment server pivot: from the traditional code (1) figure 18 emitted by the previous systems Visas, Master card etc.
  • FIG. 23 represents a transfer procedure based on the compensating system defined in Fig. 24 and applicable to certain transfer levels to reset the transfer costs to zero.
  • the E.Pub defined in Figure 26 is a virtual advertisement that intensifies the compensatory system (Figure 24).
  • UnivCard defined by Figure 25 which allows to move from one operator to another for telephone recharging and call management.
  • the AU defined by Figure 27 which digitizes the help desk and universalizes it for the resolution of a need for (P).

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Abstract

The present invention concerns an electronic and magnetic card characterised by a device comprising a card having two chips (1) integrated into a single physical support and used for digitising N virtual memory cards, the first chip (A) is a standard chip and is used to identify the carrier (P) of the card and for recognising the card (3 ') and the second chip (B) is for processing the instructions coming from the first chip (A) and for choosing at least one of the N virtual memory cards.

Description

CARTE SUPPORT INTELLIGENT D'INTEGRATION VIRTUELLE MULTI CARTES ELECTRONIQUES ET MAGNETIQUES  INTELLIGENT VIRTUAL INTEGRATION SUPPORT BOARD MULTI ELECTRONIC AND MAGNETIC BOARDS
DOMAINE TECHNIQUE TECHNICAL AREA
La présente invention concerne un support de cartes électroniques et magnétiques exploitable au niveau des systèmes de paiement digital. The present invention relates to a support for electronic and magnetic cards that can be used in digital payment systems.
ETAT D'ART ANTERIEUR STATE OF PRIOR ART
Comme représenté à la figure 1 (1), (2), ,(n) définissent le nombre de cartes à microcontrôleur ou à mémoires à la possession de (P). (P) définit comme porteur de n cartes devra faire le choix de la carte (a) parmi n cartes en sa possession, il tente une action (i) sur un lecteur de carte (i'), la demande émise est portée au Serveur Extérieur (SE) pour traitement d'informations. Au cas d'un refus, un autre choix de carte (b) s'impose si (p) veut satisfaire son besoin. Ainsi de suite jusqu'à avoir la carte n pour un énième choix de carte (en) et de la énième tentative (n) sur un dispositif (Ν') pour une réponse du (ES).  As shown in FIG. 1 (1), (2),, (n) define the number of microcontroller or memory cards in possession of (P). (P) defines as carrier of n cards will have to choose the card (a) among n cards in his possession, he tries an action (i) on a card reader (i '), the issued request is brought to the server Exterior (SE) for information processing. In the case of a refusal, another choice of card (b) is required if (p) wants to satisfy his need. So on until the map n for an uth choice of map (en) and the nth attempt (n) on a device (Ν ') for a response of (ES).
L'invention de la carte à mémoire a permis aujourd'hui une présence sur le marché de multitudes de cartes d'utilisations bancaires et de services. Toutes ces cartes apportent chacune ses solutions par rapport à nos besoins quotidiens. De manière générale des problèmes ci-dessous cités se posent:  The invention of the smart card has today enabled a presence on the market of multitudes of bank cards and services. All these cards bring each one his solutions in relation to our daily needs. In general, the problems mentioned below arise:
a) L'espace rangement des cartes à notre disposition voir (β) de la figure 1 b) Le temps à effectuer pour satisfaire notre besoin voir (a) de la figure 1 c) Le désagrément causé par l'insatisfaction du besoin immédiat  a) The storage space of the cards at our disposal see (β) of Figure 1 b) The time required to satisfy our need see (a) of Figure 1 c) The inconvenience caused by the dissatisfaction of the immediate need
d) Le cout d'acquisition et d'exploitation des N cartes  d) The cost of acquiring and exploiting the N cards
e) Une sécurité limitée à celle de l'émetteur  e) Security limited to that of the issuer
L'invention se caractérise par la figure 2 de la façon suivante. The invention is characterized by Figure 2 as follows.
Un nombre de n cartes est numérisé sur le support (1). Selon la revendication, le possesseur de cartes (p) fait une et une seule action (i) pour satisfaire son besoin (même s'il arrivait une exécution de plusieurs tentatives au niveau du 1er Dispositif d'Exploitation). La solution est d'offrir à (P) les solutions suivantes apportées par l'invention : A number of n cards is digitized on the medium (1). According to the claim, the card possessor (p) does one and only one action (i) to satisfy his need (even if there were several attempts at the 1st Exploitation Device). The solution is to offer (P) the following solutions provided by the invention:
a) Gain d'espace (1 carte pour = n cartes virtuelles)  a) Gain of space (1 card for = n virtual cards)
b) Gain de temps (zéro répétition d'actions par (p)) c) Universalité de solutions b) Time saving (zero repetition of actions by (p)) c) Universality of solutions
d) Satisfaction du besoin de (p) a 99%  d) Satisfaction of the need for (p) to 99%
e) Supplément de sécurité des données sensibles des cartes  e) Supplement for the security of sensitive card data
f) Cout d'exploitation faible (dispositif d'exploitation doté de systèmes globaux de compensations selon la revendication).  f) Low operating cost (operating device with global compensation systems according to the claim).
La présente invention va maintenant être décrite en conformité avec les caractéristiques d'utilisation en se référant aux figures annexées 1 à 27.  The present invention will now be described in accordance with the use characteristics with reference to the accompanying figures 1 to 27.
La présente invention a pour objet l'intégration et le traitement de n cartes à puce virtuelle dans un support carte à n puces (N > = 2) avec un code d'identification communautaire. Dans ce cas N=<A<2, la puce principale (puce A figure 3) permet de traiter les informations de routines classiques (authentification de la carte, identification du porteur de la carte) de cartes électroniques, la deuxième (puce B figure 3) permet de gérer les applications de référence communautaire (cartes virtuelles et services communautaires liés à ces cartes).  The present invention relates to the integration and the processing of n virtual smart cards in a support card with n chips (N> = 2) with a Community identification code. In this case, N = <A <2, the main chip (chip A FIG. 3) makes it possible to process the information of conventional routines (card authentication, identification of the cardholder) of electronic cards, the second (chip B FIG. 3) enables the management of community reference applications (virtual cards and community services linked to these cards).
L'invention selon la figure 3 techniquement le dispositif est compose de 2 puces. Une puce (A) et une puce B. La puce A exploite les informations classiques dites antérieures, la puce B les informations concernant la virtualisation et l'exploitation des N cartes virtuelles. The invention according to Figure 3 technically the device is composed of 2 chips. A chip (A) and a chip B. The chip A exploits the conventional information said earlier, the chip B information about the virtualization and exploitation of the N virtual cards.
Selon l'invention l'activation de la carte qui advient au contact du lecteur du TPEC ou (Terminal de Paiement Electronique option Communautaire) à adaptable aussi aux TPE (Terminal de Paiement Electronique) antérieur ou d'un DAB/C (Distributeur Automatique de billet option Communautaire), adaptable au DAB (Distributeur Automatique de Billets) lorsque le (15) et le (16) entrent en contact, par le (23) de 24,25,26 pour le pilotage des composants I/O, CLK, RTS, VCC, GND et le (18) composé de 19,20,21,22 pour traiter les informations de routines classiques et les transmettre au contact extérieur. Les procédés pour l'exploitation de données de la routine classique sont transmises par (16) selon la figure 5 de la puce (A) vers le (15) pour validation de la routine classique. L'acceptation des informations de la routine classique implique poursuite du processus. Le (15) permet par le (16) et le (27) de porter les instructions et informations au (28) selon le schéma (B) de la figure 5. Selon l'invention et la revendication caractérisée en ce qui concerne la puce (B) de la figure 3 de la carte intelligente de paiement électronique (1), après la routine classique de la puce (A) de la figure 3 et l'acceptation des données de (3') de la figure 3, venant d'un lecteur scan ; La puce (B) visualise au besoin chacune des cartes virtuelles enregistrées en sa mémoire et analyse les conditions de leur exploitation. Elle propose en cas de demande, les conditions d'exploitation des autres cartes virtuelles qui font partie du système et qui sont repérables au niveau du serveur principal du système. Elle propose l'exploitation des services communautaires définis au niveau du serveur. According to the invention the activation of the card that occurs in contact with the TPEC reader or (Electronic Payment Terminal option Community) to adaptable also to the TPE (Electronic Payment Terminal) previous or a DAB / C (Automatic Dispenser of Community option ticket), adaptable to ATM (Automatic Cash Dispenser) when (15) and (16) come into contact, by (23) of 24,25,26 for controlling I / O components, CLK, RTS, VCC, GND and (18) composed of 19,20,21,22 to process conventional routine information and transmit it to the outside contact. The methods for the exploitation of data of the conventional routine are transmitted by (16) according to FIG. 5 of the chip (A) to the (15) for validation of the conventional routine. The acceptance of the information of the classic routine implies continuation of the process. The (15) allows the (16) and (27) to carry the instructions and information to (28) according to the scheme (B) of Figure 5. According to the invention and the claim characterized with respect to the chip (B) of FIG. 3 of the electronic payment smart card (1), after the conventional routine of the chip (A) of FIG. 3 and the acceptance of the data of (3 ') of FIG. 3, coming from a scan reader; The chip (B) visualizes each of the virtual cards stored in its memory and analyzes the conditions of their operation. It proposes, in case of request, the operating conditions of the other virtual cards which are part of the system and which are identifiable at the level of the main server of the system. It proposes the exploitation of community services defined at the server level.
La figure (3') représentant des instructions de reconnaissance de l'appartenance de la carte physique au réseau communautaire.  Figure (3 ') showing instructions for recognizing the membership of the physical card to the community network.
En ce qui concerne à son recto outre la bande magnétique, un numéro vert qui permet à (P) d'accéder à l'espace assistance universelle de la figure 28 prévu dans les services disponibles au niveau (3 ) de la figure 11.  With regard to its front side in addition to the magnetic strip, a green number that allows (P) to access the universal assistance space of Figure 28 provided in the services available in (3) of Figure 11.
Selon l'invention et la revendication caractérisée en ce qui concerne l'exploitation de la carte intelligente sur internet est décrite à la figure 10 de la façon suivante : 100, 110 initialisation et lecture, 120 repérage de la carte Cl directement ou indirectement (par Emetteur : Visa, Master Card etc..) dans la page commerciale internet, 150, 160, 240, 250, routines de reconnaissance de (P), 170, 180, 260, 270, routine de gestion pour exploitation des cartes virtuelles prioritaires (CP) ou secondaires (S), 190, 200, 260, 270 routines de gestion des cartes virtuelles d'achat, 210, 220, 260, 270, routine de gestion des cartes virtuelles d'emprunt, 230, 260, 270 routine gestion des cartes de promotion. Selon l'invention et la revendication caractérisée en ce qui concerne le (8) et le (9) de (A) de la figure 4 s'intègrent dans le (14) représentant la carte comme dans la fabrication normale d'une carte antérieure. Le (10), le (11) placés au-dessus du (8) et du (9) de (B) s'intègrent selon la figure 4 avec modification de dimension (13) où nous avons X+Y par rapport à 12 avec X seulement comme dimension. Selon l'invention le (14') de la figure 4 représente le lien de connexion entre les broches de (A) et de (B). Le (11) de fabrication PVC séparera le (8) du (10). Le (10) invisible à l'œil et lisible par scan intégré au TPE/C. il représente (10) un ensemble d'informations d'appartenance de (1) selon la figure 3, au système digital de gestion communautaire.  According to the invention and the claim characterized with regard to the operation of the smart card on the internet is described in Figure 10 as follows: 100, 110 initialization and reading, 120 locating the card Cl directly or indirectly (by Issuer: Visa, Master Card etc.) in the internet sales page, 150, 160, 240, 250, (P), 170, 180, 260, 270 recognition routines for the management of priority virtual cards ( CP) or secondary (S), 190, 200, 260, 270 purchase virtual card management routines, 210, 220, 260, 270, virtual credit card management routine, 230, 260, 270 routine management promotional cards. According to the invention and the characterized claim with respect to (8) and (9) of (A) of Fig. 4 fit into the (14) representing the card as in the normal manufacture of an earlier card . (10), (11) placed above (8) and (9) of (B) are integrated according to Figure 4 with modification of dimension (13) where we have X + Y compared to 12 with X only as dimension. According to the invention, the (14 ') of FIG. 4 represents the connection link between the pins of (A) and (B). The PVC manufacturing (11) will separate the (8) from the (10). The (10) invisible to the eye and readable by scan integrated in the TPE / C. it represents (10) a set of membership information of (1) according to FIG. 3, to the digital system of community management.
Selon l'invention, le 2ieme microcontrôleur, (30) composé de 31, 32, 33, 34 selon la Figure 5, élaborera les informations suivantes selon la revendication et selon la figure 11. According to the invention, the 2 nd microcontroller (30) consisting of 31, 32, 33, 34 according to Figure 5, prepare the following information according to claim 11 and according to FIG.
*) Choix de la carte prioritaire et des premiers critères qui l'accompagnent pour une meilleur exploitation au niveau du système global (les cartes prioritaires sont les cartes en possession de (P), qu'il définit comme carte par défaut. Elles sont N Cartes>=l ou<=2) **) Choix de carte parmi N cartes secondaires et des premiers critères qui l'accompagnent pour une meilleur exploitation au niveau du système global (les cartes secondaires sont les N Cartes en possession de (P), qu'il définit comme carte de choix après les cartes prioritaires. Elles sont limitées à N cartes = 10. *) Choice of the priority map and the first criteria that accompany it for a better exploitation at the level of the global system (the priority maps are the maps in possession of (P), which it defines as the default map. Cards> = 1 or <= 2) **) Choice of map among N secondary cards and first criteria which accompany it for a better exploitation at the level of the global system (the secondary cards are the N Cards in possession of (P), which it defines like card of choice after the priority cards, they are limited to N cards = 10.
***) Choix de carte parmi N cartes d'achats de services et des premiers critères qui l'accompagne pour une meilleur exploitation au niveau du système global. Il s'agit de cartes de (P) non prioritaires, non secondaires dont (P) pour exploiter devra les acheter (le service est acheté pour être exploité au moment du besoin, il peut être renouvelé à tout moment suite à une nouvelle demande d'achat de service selon les règles de ventes établies entre le générateur du système, les banques et l'émetteurs de cartes. ***) Choice of card among N cards of purchases of services and the first criteria which accompanies it for a better exploitation at the level of the global system. These are non-priority, non-secondary (P) cards to be used by (P) operators to purchase (the service is purchased to be operated when needed, it can be renewed at any time following a new request for purchase of service according to the sales rules established between the system generator, the banks and the card issuers.
****) Choix de carte parmi N cartes d'emprunt et des premiers critères qui l'accompagne pour une meilleur exploitation au niveau du système global. Il s'agit de cartes de (P) non prioritaires, non secondaires dont (P) pour exploiter devra les emprunter pour une exploitation liée à une période donnée selon les règles définies entre le générateur du système, les banques et l'émetteur de cartes.  ****) Choice of map among N borrowing cards and the first criteria which accompanies it for a better exploitation at the level of the global system. These are non-priority, non-secondary (P) cards from which (P) to exploit will have to borrow them for exploitation related to a given period according to the rules defined between the system generator, the banks and the card issuer .
*****) Choix de carte parmi N cartes de fidélisations.  *****) Choice of map among N loyalty cards.
Et des premiers critères qui les accompagnent pour une meilleure exploitation au niveau du système global. Il s'agit des cartes non bancaires exploitées dans le commerce ou les promotions d'activités.  And the first criteria that accompany them for a better exploitation at the level of the global system. These are non-bank cards used in the trade or activity promotions.
En concomitance avec l'interface (35) composé de 36, 37, 38 selon la figure 5. Ce travail fait localement sur (B) permet de réduire le temps d'élaboration d'une procédure dans la gestion du temps sur le système global. In concomitance with the interface (35) composed of 36, 37, 38 according to FIG. 5. This work done locally on (B) makes it possible to reduce the time of elaboration of a procedure in the time management on the global system .
Selon l'invention au niveau du (30) de la figure 5, il advient l'élaboration suivante: interpellation de la carte virtuelle prioritaire, une carte de premier choix des cartes virtuelles intégrées à la possession de (P) selon figure 2. Cette carte devrait être sensée apporter à priori une solution au besoin de (P). Elle est mise en exploitation automatiquement selon l'invention. Si elle est acceptée, les services classiques liés à la carte et les préliminaires des services communautaires sont exploitables à son niveau. Selon l'invention les données secondaires des services communautaires sont traitées au niveau d'un TPEC et celles sensibles de la carte et des services communautaires restent à la gestion des serveurs extérieurs (serveur communautaire et serveur d'émetteur de la carte (Visa, Master card etc.. qui selon les accords de coopération et de partenariat autorisent son exploitation selon les règles nécessaires aux règles de sécurité de transaction). According to the invention at (30) of FIG. 5, the following elaboration occurs: interpellation of the priority virtual card, a first choice card of the virtual cards integrated with the possession of (P) according to FIG. card should be supposed to provide a priori solution to the need of (P). It is put into operation automatically according to the invention. If accepted, traditional card-related services and community services preliminaries are exploitable at its level. According to the invention, the secondary data of the community services are processed at the level of a TPEC and the sensitive data of the card and the community services remain at the management of the external servers (community server and server of issuer of the card (Visa, Master card etc. which according to the cooperation and partnership agreements allow its exploitation according to the rules necessary to the rules of security of transaction).
Selon l'invention si le choix de la carte à exécuter est du niveau secondaire c-à-d des cartes d'exploitation moins importantes ou considérées comme cartes de second choix, le même processus qu'au niveau des cartes de premier choix est appliqué, seulement que ces cartes entrent en jeu par validation de la touche de clavier du dispositif lecteur de la carte.  According to the invention, if the choice of the card to be executed is at the secondary level, ie smaller exploitation cards or considered as second choice cards, the same process as at the level of the first choice cards is applied. only these cards come into play by validating the keyboard key of the card reader device.
Selon l'invention le choix du niveau 3 de la carte advient lorsque le 1er choix et le 2s choix n'apportent pas de solution à (P). Le (30) de la figure 5 propose des choix d'achat (le service est acheté pour être exploité au moment du besoin, il peut être renouvelé à tout moment suite à une nouvelle demande d'achat de service. L'emprunt de carte pour une exploitation est lié à une période donnée. Tous les choix sont soumis à des règles que (p) à priori est sensé savoir avant la signature du contrat d'exploitation ou par un opérateur en présence, (p) fait son choix d'achat de service ou d'emprunt de service. Ici le cout de l'opération devient supérieur aux autres coûts précédents. Les procédures de transmission de données restent les mêmes.  According to the invention, the choice of level 3 of the card occurs when the first choice and the second choice do not provide a solution to (P). The (30) in Figure 5 offers purchase options (the service is purchased to be operated when needed, it can be renewed at any time following a new request for service purchase. for an exploitation is linked to a given period All the choices are subject to rules that (p) a priori is supposed to know before the signature of the exploitation contract or by an operator in presence, (p) makes its choice of purchase of service or loan of service Here the cost of the operation becomes higher than the other previous costs The data transmission procedures remain the same.
Selon l'invention, selon la figure 5 la puce (B) est créée pour le traitement des informations basilaires de la gestion des cartes virtuelles et pour permette une rapidité de réponse du système global. Elle sera dotée de processeur et de coprocesseur plus efficaces et de Mémoires EEP OM et RAM plus puissants que la puce (A).  According to the invention, according to FIG. 5 the chip (B) is created for the processing of the basic information of the management of the virtual cards and to allow a speed of response of the overall system. It will have more efficient processor and coprocessor and EEP OM and RAM memories more powerful than the chip (A).
Selon l'invention pour toutes exploitations par internet selon la figure 10, le numéro d'identification de la carte universelle sera l'information à transmettre pour actionner la procédure d'acceptation d'une transaction. Une procédure de protection selon les revendications, est mise en place pour donner un plus de protection aux données sensibles.  According to the invention for all internet operations according to FIG. 10, the identification number of the universal card will be the information to be transmitted in order to operate the procedure for accepting a transaction. A protection procedure according to the claims is put in place to give more protection to the sensitive data.
Selon l'invention, l'identification communautaire (3') est pris en compte par le lecteur de carte TPE/C ou DAB/C.  According to the invention, the Community identification (3 ') is taken into account by the card reader TPE / C or DAB / C.
La figure 7 montre les connexions entre la puce (A) et la puce (B) les 2 puces étant définies selon la norme ISO 7816-3.  Figure 7 shows the connections between the chip (A) and the chip (B) the two chips being defined according to ISO 7816-3.
(39) est la connexion des portes Cl des 2 puces selon la figure 7, ils correspondent à la tension d'alimentation positive (VCC) de la puce (selon la figure 6). (40) est la connexion des portes C2 des 2 puces selon la figure 7, ils correspondent à la commande de reset ( ST) de la puce (selon la figure 6). (39) is the connection of the C1 doors of the two chips according to Figure 7, they correspond to the positive supply voltage (VCC) of the chip (according to Figure 6). (40) is the connection of C2 doors of the two chips according to Figure 7, they correspond to the reset command (ST) of the chip (according to Figure 6).
(41) est la connexion des portes C3 des 2 puces selon la figure 7, ils correspondent à l'horloge (CLK) (selon la figure 6). Ils rythment les échanges de données entre la carte et son lecteur.  (41) is the connection of the C3 doors of the two chips according to Figure 7, they correspond to the clock (CLK) (according to Figure 6). They punctuate the exchange of data between the card and its reader.
(42) et (46) sont des connexions des portes C4, C8 des 2 puces selon la figure 7 qui sont des contacts (RFU) (selon la figure 6), réservés aux futures utilisations.  (42) and (46) are gate connections C4, C8 of the two chips according to Figure 7 which are contacts (RFU) (according to Figure 6), reserved for future uses.
(43) est la connexion des portes C5 des 2 puces selon la figure 7 qui correspondent à la massa électrique de la carte (GND) (selon la figure 6).  (43) is the connection of the C5 doors of the two chips according to Figure 7 which correspond to the electric massa of the card (GND) (according to Figure 6).
(44) est la connexion des portes C6 des 2 puces selon la figure 7 qui correspondent à la tension de programmation de la carte (VPP) (selon la figure 7). Elle ne sera pas utilisable par l'existence de l'EEPROM des 2 puces. (44) is the connection of the C6 gates of the two chips according to Figure 7 which correspond to the programming voltage of the card (VPP) (according to Figure 7). It will not be usable by the existence of the EEPROM of the 2 chips.
(45) est la connexion bidirectionnelle des portes C7 des 2 puces selon la figure 7 qui correspondent au signal des entrées et sorties (I/O) de données en provenance de l'extérieure à la carte et entre les 2 cartes (selon la figure 6).  (45) is the bidirectional connection of the C7 gates of the two chips according to FIG. 7 which correspond to the signal of the inputs and outputs (I / O) of data coming from the outside to the card and between the two cards (according to FIG. 6).
L'invention présente les dimensions normalisées des cartes bancaires selon la norme ISO 7816-1 précisant les caractéristiques physiques de la carte. La norme ISO 7816-2 définissant la position et le brochage des contacts de la carte. La norme ISO 7816-3 définissant les niveaux électriques et les chronogrammes de bas niveau qui régissent le dialogue avec les cartes à puce. Et enfin la norme ISO 7816-4 définissant les différentes commandes de base des cartes.  The invention presents the standardized dimensions of bank cards according to the ISO 7816-1 standard specifying the physical characteristics of the card. The ISO 7816-2 standard defining the position and the pin assignment of the card contacts. The ISO 7816-3 standard defines the electrical levels and low-level timing diagrams that govern the dialogue with smart cards. And finally the ISO 7816-4 standard defining the various basic commands of the cards.
L'invention dans sa fabrication selon la figure 6, intégrera une puce (A) Titanium Smartcard os version 1.06 de Ram: 1024 Byte, Eeprom: 32kb programmable ou autre similaire. La position de (A) se fera en respect avec les normes ISO 7816-2 et celle de (B) destinée à la gestion des informations de premier niveau de services communautaires en largeur au même niveau que (A). La puce (B) serait une puce FUN 6 avec un microcontrôleur Atmel 8515A et une mémoire 24C1024 ou autre similaire.  The invention in its manufacture according to Figure 6, will integrate a chip (A) Titanium Smartcard os version 1.06 Ram: 1024 Byte, Eeprom: 32kb programmable or other similar. The position of (A) will be in accordance with ISO 7816-2 and that of (B) for the management of community level first level information at the same level as (A). The chip (B) would be a FUN chip 6 with an Atmel 8515A microcontroller and a 24C1024 memory or the like.
Selon l'invention, le (3') de la figure 3, représente le code de lecture par scan laser intégré au TPEC, il est disposé sur le plastic PVC couvrant la puce (B) selon (3) de la figure 3. Ainsi, la puce (B) aura sa connexion uniquement à partir de (2) de la figure 3 qui sera la seule avoir la connexion avec le lecteur de carte. Le (3') abritera les informations de reconnaissance de la carte physique d'appartenance communautaire. Les dimensions ISO 7816-1 de (1) à la face (la) de la figure 3 composée de (2), (3) et (3') sont les suivantes: According to the invention, the (3 ') of FIG. 3, represents the reading code by laser scan integrated in the TPEC, it is arranged on the PVC plastic covering the chip (B) according to (3) of FIG. , the chip (B) will have its connection only from (2) of Figure 3 which will be the only connection to the card reader. The (3 ') will house the recognition information of the community membership physical map. The ISO dimensions 7816-1 of (1) to the face (la) of Figure 3 composed of (2), (3) and (3 ') are as follows:
La largeur (7) selon la figure 3 sera de 54 mm  The width (7) according to FIG. 3 will be 54 mm
La longueur (6) selon la figure 3 sera de 85,6 mm The length (6) according to FIG. 3 will be 85.6 mm
Les courbes (8) selon la figure 3 sera de = 3,18 mm The curves (8) according to FIG. 3 will be of = 3.18 mm
L'épaisseur (5) selon la figure 3 sera de 0,76 mm The thickness (5) according to FIG. 3 will be 0.76 mm
Selon l'invention, le (2) selon la figure 3 respectera la norme ISO 7816-1. Le (3) selon la figure 3 sera à une longueur d'environ 57 mm selon (6') de la figure 3 et se positionnera au même niveau de largeur à (2) selon la figure 3 qui respectera la norme ISO 7816-1. Selon l'invention, selon la figure 4, le (8) et le (9) de (A) s'intègrent dans le (14) selon la figure 4, comme dans la fabrication normale d'une carte. Selon l'invention et ses revendications, le (10), le (11) placés au-dessus du (8) et du (9) de (B) s'intègrent avec la modification de dimensions au niveau du (14). Selon l'invention et ses revendications le (14') représente le lien de connexion entre les broches de (A) et de (B). Le (11) de fabrication PVC séparera le (8) du (10). Le (10) invisible à l'œil et lisible par scan intégré au TPEC selon l'unité d'invention. Il représente (10) un ensemble d'informations d'appartenance de (1) selon la figure 3, au système digital de gestion communautaire. Selon l'invention, la carte intelligente dispose à son verso selon LA Figure 3 bis, une piste magnétique (la) qui respecte les normes 7816-1 avec une utilisation soumise à la norme ISO 7811.  According to the invention, the (2) according to Figure 3 will comply with ISO 7816-1. The (3) according to FIG. 3 will be at a length of approximately 57 mm along (6 ') of FIG. 3 and will be positioned at the same level of width at (2) according to FIG. 3 which will comply with the ISO 7816-1 standard. . According to the invention, according to Figure 4, the (8) and (9) of (A) are integrated in (14) according to Figure 4, as in the normal manufacture of a card. According to the invention and its claims, the (10), (11) placed above (8) and (9) of (B) integrate with the dimensional change at (14). According to the invention and its claims (14 ') represents the connection link between the pins of (A) and (B). The PVC manufacturing (11) will separate the (8) from the (10). The (10) invisible to the eye and readable by scan integrated in the TPEC according to the unit of invention. It represents (10) a set of membership information of (1) according to Figure 3, the digital system of community management. According to the invention, the smart card has on its back according to Figure 3a, a magnetic strip (la) which complies with the 7816-1 standards with use subject to ISO 7811.
Selon l'invention l'espace en dessous de (A) selon la figure 3, est l'espace d'embossage où seront mis en relief le N° d'affiliation de la carte, l'identification du porteur (P), date d'émission de la carte.  According to the invention the space below (A) according to FIG. 3, is the embossing space where the affiliation number of the card will be highlighted, the identification of the wearer (P), date card issue.
L'invention présente TPE/C (Terminal de paiement électronique communautaire), est liée à celle du support intelligent de cartes électroniques, au DAB/C (Distributeur Automatique de billet avec option Communautaire) et de l'espace virtuel dédié pour la gestion de services élaborés pour le développement économique d'un réseau communautaire. L'invention est caractérisée technologiquement par un Dual Core, une double mémoire Ram pour le stockage de données, de dispositif de lecteur de cartes tel que lecteur par contact des broches, lecture par système scanner et par lecture magnétique. L'intégration de ces technologies au système antérieur permet l'exploitation du support intelligent de cartes électroniques. Il Terminal de paiement selon l'invention a pour objet: The present invention is TPE / C (Community Electronic Payment Terminal), is related to that of the electronic smart card support, the ATM (Automatic Ticket Dispenser with Community Option) and the dedicated virtual space for the management of electronic cards. services developed for the economic development of a community network. The invention is technologically characterized by a Dual Core, a dual RAM memory for data storage, card reader device such as pin-contact reader, scanner reading and magnetic reading. The integration of these technologies with the previous system allows the exploitation of the intelligent support of electronic cards. Payment terminal according to the invention has for object:
la disposition d'un instrument technologique adéquat à l'exploitation du support d'intelligente figure 3 pour un appui fondamental au développement économique d'un réseau communautaire.  the provision of a technological instrument suitable for the exploitation of smart support figure 3 for a fundamental support to the economic development of a community network.
- la disposition d'une technologie permettant l'exploitation des informations de l'invention 1 soit, au niveau 1 (figure 11), et en fonction parallèle aux niveaux 3 (figure 11), et 4 (figure 11) intégrés en local de la présente invention, the arrangement of a technology making it possible to exploit the information of the invention 1 is, at level 1 (FIG. 11), and in parallel function at levels 3 (FIG. 11), and 4 (FIG. the present invention,
le gain en temps d'exploitation dans le fonctionnement des DAB/C  the gain in operating time in the operation of DAB / C
Elle se caractérise par un terminal avec des dispositifs (5) de la figure (8) TPEC ces dispositifs permettant la lecture par contact des broches de la carte intelligente et de la technologie de lecture de carte du TPEC et la lecture par un système scanner incorporé à l'extrême entrée du lecteur de carte du TPEC est faite pour identifier certaines informations imprimées sur la carte physique qui s'introduit pour être en contact avec la technologie lecteur de carte du TPEC.  It is characterized by a terminal with devices (5) of Figure (8) TPEC these devices allowing contact reading of the smart card pins and card reading technology of the TPEC and reading by an embedded scanner system At the extreme entrance of the TPEC card reader is made to identify certain information printed on the physical card that is introduced to be in contact with the TPEC card reader technology.
Selon l'invention la lecture par contact des broches de la carte de support intelligente est faite pour l'exécution de la routine antérieure et de l'exécution des routines communautaires. According to the invention the contact reading of the pins of the smart support card is made for the execution of the previous routine and the execution of community routines.
Selon l'invention la lecture par scanner de certaines informations physiques imprimées sur la carte est une seconde routine implémentée pour donner au système une autre dimension de sécurisation du système. Ces informations lues par le scanner permettront après acceptation de leur authenticité, des routines secondaires.  According to the invention the scanner reading of certain physical information printed on the card is a second routine implemented to give the system another dimension of securing the system. This information read by the scanner will allow after acceptance of their authenticity, secondary routines.
Selon l'invention, le TPE/C figure 8 présentes un microcontrôleur composé d'un eprom, de processeur et de mémoires adaptables aux exigences de bon fonctionnement du système.  According to the invention, the TPE / C FIG. 8 presents a microcontroller composed of an eprom, a processor and memories that can be adapted to the requirements of good system operation.
Selon l'invention, le terminal est doté de clavier figure 16 avec une nouvelle configuration suivante : la touche verte devient une touche de couleur combinée Verte/Violette (V/Vi). La verte exécute l'opération antérieure uniquement et la Violette permet l'opération classique/communautaire (choix des cartes). La touche jaune devient une touche de couleur combinée Jaune/Bleue (J/B). la jaune exécute l'opération antérieure uniquement et la bleue permet l'opération classico/communautaire (choix des services). According to the invention, the terminal is provided with keyboard figure 16 with a new configuration as follows: the green key becomes a combined color key Green / Violet (V / Vi). The green performs the previous operation only and the Violette allows the classic / community operation (choice of cards). The yellow key becomes a yellow / blue (J / B) combination key. yellow executes the previous operation only and the blue allows the classico / community operation (choice of services).
Selon l'invention le clavier est décrit par le schéma logique simplifié de la figure 16. Les touches sont représentées par des bouchons poussoir sur le schéma fonctionnel. Lorsqu'une touche est pressée, l'entrée liée à cette touche s'active (prend le potentiel 5v ou la valeur numérique 1). Dans notre cas nous avons les touches (J/Vi) et (V/B) dont J et V par une pression, le codeur renvoie le numéro d'entrée activée en valeur binaire sur 5 bits (o ou 1) aux sorties. Ces données sont renvoyées par le convertisseur au microcontrôleur des fonctions. Le (Vi) et (B) par deux pressions renvoie un autre numéro d'entrée pour d'autres fonctions différentes de celles de (J) et (V). According to the invention the keyboard is described by the simplified logic diagram of Figure 16. The keys are represented by push plugs in the block diagram. When a key is pressed, the input linked to this key is activated (takes the potential 5v or the numerical value 1). In our case we have the keys (J / Vi) and (V / B) with J and V pressed, the encoder returns the activated input number in binary value on 5 bits (o or 1) to the outputs. This data is returned by the converter to the microcontroller functions. The (Vi) and (B) by two pressures returns another input number for other functions different from those of (J) and (V).
Selon l'invention le dispositif (1) de la figure (8) le microcontrôleur est composé de dispositif (2), de dispositif (3) et de dispositif (4). Le dispositif(3) étant un processeur Dual- cceur, le dispositif(4) étant un ensemble à double mémoire.  According to the invention the device (1) of Figure (8) the microcontroller is composed of device (2), device (3) and device (4). The device (3) being a Dual-core processor, the device (4) being a dual memory array.
Selon l'invention le dispositif (1) de la figure (9) communique avec la (3) qui est la M l et le dispositif (2) communique avec la (3') qui est la M2. La M l et la M2 étant distinctes physiquement. According to the invention the device (1) of Figure (9) communicates with the (3) which is the M l and the device (2) communicates with the (3 ') which is the M2. M l and M2 being physically distinct.
Selon l'invention le dispositif (1) et Ml traitent les tâches qui sont les routines classiques de l'Etat antérieur à l'invention.  According to the invention the device (1) and Ml deal with the tasks which are the conventional routines of the state prior to the invention.
Selon l'invention le dispositif (2) et M2 traitent des tâches qui sont les routines de gestion des services communautaires. According to the invention the device (2) and M2 deal with tasks that are the community service management routines.
Selon l'invention la capacité (voir le (5) de la figure (9)) de M2 est majeure de celle de Ml, mais en exploitation M2 pourrait toutefois au besoin bénéficier d'une partie de l'espace de Ml si celle-ci est évidemment disponible.  According to the invention, the capacity (see (5) of FIG. (9)) of M2 is greater than that of Ml, but in operation M2 could, however, if necessary, benefit from a part of the space of Ml if this this is obviously available.
L'invention présente DAB/C (Distributeur Automatique de Billets de banque option communautaire), conçue avec l'option de traitement rapide des routines liée à l'exploitation du support intelligent de cartes électroniques, et des procédées intégrées à l'espace virtuel dédié pour la gestion de services élaborés pour le développement économique d'un réseau communautaire, selon les descriptions dans les revendications. L'invention caractérisée technologiquement par un processeur 4 cœur, de multi mémoires Ram pour le stockage de données, de dispositif de lecteur de cartes tel que : lecture par contact des broches, lecture par système scanner et d'un clavier avec des touches combinées (Jaune/Violette) et (Vert/Bleue). L'intégration de ces technologies au système antérieur permet l'exploitation du support intelligent de cartes électroniques et l'exploitation de l'espace digital d'économie communautaire. The present invention is DAB / C (Community Automatic Banknote Cash Dispenser), designed with the option of fast processing of routines related to the operation of smart electronic card support, and processes integrated into the dedicated virtual space. for the management of services developed for the economic development of a community network, as described in the claims. The invention is technologically characterized by a core processor 4, multi Ram memory for data storage, card reader device such as: pin contact reading, scanner reading and a keyboard with combined keys ( Yellow / Violet) and (Green / Blue). The integration of these technologies with the previous system allows the exploitation of the intelligent support of electronic cards and the exploitation of the digital space of community economy.
L'invention a pour objet: La disposition d'un instrument technologique adéquat à l'exploitation du support intelligent figure 3 pour un appui fondamental au développement économique d'un réseau communautaire. The subject of the invention is: The provision of a technological instrument suitable for the exploitation of intelligent support figure 3 for a fundamental support to the economic development of a community network.
La disposition d'une technologie permettant l'exploitation des informations de l'invention 1 soit, au niveau 1 de l'invention 1, et en fonction parallèle aux niveaux 3, et 4 intégrés en local du présent procédé.  The arrangement of a technology making it possible to exploit the information of the invention 1 is, at level 1 of the invention 1, and in parallel function with the locally integrated levels 3 and 4 of the present method.
Le gain en temps d'exploitation dans le fonctionnement des terminaux de paiement électronique  The gain in operating time in the operation of electronic payment terminals
Le gain en cout d'exploitation dans les systèmes de paiement électronique.  The gain in operating costs in electronic payment systems.
Le procédé se caractérise par un Distributeur de billets de banque a en plus d'exécuter les opérations de routines classiques, une option de gestion virtuelle d'économie communautaire. The method is characterized by a banknote dispenser in addition to performing routine routine operations, a community economy virtual management option.
Selon l'invention la lecture par contact des broches de la carte intelligente est faite pour l'exécution de la routine classique et de l'exécution des routines communautaires.  According to the invention the contact reading of the pins of the smart card is made for the execution of the routine routine and the execution of community routines.
Selon l'invention caractérisée par la figure 13 qui représente le nouveau système DAB/C dans une architecture en Kmelia. Le clavier (figure 16) d'où part la requête (1), requête pour l'exploitation virtuelle d'économie communautaire est définie par deux touches de couleur (J/Vi) et (V/B).  According to the invention characterized by FIG. 13 which represents the new DAB / C system in a Kmelia architecture. The keyboard (FIG. 16) from which the request (1), request for the virtual exploitation of community economy starts, is defined by two color keys (J / Vi) and (V / B).
Selon l'invention, selon le (A) de (la figure 16), (J) signifie le jaune, (Vi) signifie le violet. (J/Vi) signifie la touche composée de couleur à moitié Jaune et à moitié Violette et elle se définie respectivement (J) en une action pour l'exécution de la routine classique 1 routine antérieure), (Vi) en 2 actions pour l'exécution de la routine classique nouvelle et de routine d'environnement communautaire 1 (choix des cartes). According to the invention, according to (A) of (Figure 16), (J) means yellow, (Vi) means violet. (J / Vi) means the key composed of half Yellow and half Violet color and is respectively defined (J) as an action for the execution of the routine routine 1 previous routine), (Vi) in 2 actions for l Execution of the new and routine Community Environment routine routine 1 (choice of cards).
Selon l'invention, selon le (B) de la figure 16, V signifie la Verte, B signifie la Bleue. V/B signifie la touche composée de couleur à moitié verte et à moitié Bleue et elle se définie respectivement V en 1 action pour exécution de routine classique 2 antérieure, B en deux actions pour une exécution de routine classique nouvelle et de routine d'environnement communautaire 2 Choix des services). According to the invention, according to (B) of Figure 16, V means Green, B means Blue. V / B means the key composed of half green and half blue color and is respectively defined as V in 1 action for classical routine execution 2 previous, B in two actions for a routine new routine routine and environment routine Community 2 Choice of Services).
Selon l'invention et selon la figure 13 représentant le schéma fonctionnel en Kmelia de notre système DAB/C et la requête (1) du clavier activée à partir de (J/Vi) ou de (V/B), introduit (P) sur l'espace virtuel communautaire. Selon l'invention et selon la figure 13 l'interface la permet à (P) d'avoir en plus des routines antérieures des DAB une vision de choix des routines nouvelles apportées par les DAB/C. c-à-d une vision sur le choix d'exploitation de l'économie communautaire, (la) permet un champ d'exploitation (requête, retirer, montant, code, demande_ident, consultation, dépôt). According to the invention and according to FIG. 13 representing the functional diagram in Kmelia of our DAB / C system and the request (1) of the keyboard activated from (J / Vi) or (V / B), introduced (P) on the virtual community space. According to the invention and according to FIG. 13 the interface allows it (P) to have in addition to the previous routines of the DABs a vision of choice of the new routines brought by the DAB / Cs. ie a vision on the choice of exploitation of the community economy, (la) allows a field of exploitation (request, withdraw, amount, code, request_ident, consultation, deposit).
Selon l'invention et selon la figure 13 le système de base (laa) introduit la requête de (P) dans le système de gestion des routines d'économie communautaire, (laa) permet un champ d'exploitation (retrait, demande_mtant = demande de montant, demande code = dem_code, identification = ident, dépôt = dépôt de somme, transfert, consultation, dem_auto = demande autorisation, débit/crédit, Eject_carte, Avale_carte, affiche, dem_solde).  According to the invention and according to FIG. 13 the basic system (laa) introduces the request of (P) into the management system of the community economy routines, (laa) allows a field of exploitation (withdrawal, demand_than = request of amount, request code = dem_code, identification = ident, deposit = deposit of sum, transfer, consultation, dem_auto = request authorization, debit / credit, Eject_carte, Avale_card, poster, dem_solde).
Selon l'invention et selon la figure 13 le Système d'exploitation d'économie communautaire (lab) permet l'exploitation des cartes virtuelles ou l'exploitation des services intégré à l'économie communautaire.  According to the invention and according to FIG. 13 the Community Economy Operating System (lab) allows the exploitation of virtual cards or the operation of services integrated into the community economy.
Selon l'invention le DAB/C à un dispositif caractérisé aussi par la figure (1) appelé microcontrôleur est composé de dispositif (2), de dispositif (3) et de dispositif (4). Le dispositif(3) étant un processeur Bi-cceur, le dispositif(4) étant un ensemble à double mémoire. According to the invention the DAB / C to a device also characterized by Figure (1) called microcontroller is composed of device (2), device (3) and device (4). The device (3) being a Bi-core processor, the device (4) being a dual memory array.
Selon l'invention le dispositif (1) de la figure (9) communique avec la (3) qui est la M l et, le dispositif (2) communique avec la (3') qui est la M2. La Ml et la M2 étant distinctes physiquement.  According to the invention the device (1) of Figure (9) communicates with the (3) which is the M l and the device (2) communicates with the (3 ') which is the M2. Ml and M2 being physically distinct.
Selon l'invention le dispositif (1) et Ml traitent les tâches qui sont les routines classiques de l'Etat antérieur à l'invention.  According to the invention the device (1) and Ml deal with the tasks which are the conventional routines of the state prior to the invention.
Selon l'invention le dispositif (2) et M2 traitent des tâches qui sont les routines de gestion des services communautaires.  According to the invention the device (2) and M2 deal with tasks that are the community service management routines.
Selon l'invention la capacité (voir le (5) de la figure (9)) de M2 est majeure de celle de Ml, mais en exploitation M2 pourrait toutefois au besoin bénéficier d'une partie de l'espace de Ml si celle-ci est évidemment disponible.  According to the invention, the capacity (see (5) of FIG. (9)) of M2 is greater than that of Ml, but in operation M2 could, however, if necessary, benefit from a part of the space of Ml if this this is obviously available.
Un espace digital, défini par les inventions 1, 2, 3, liées entre elles pour être exploitables dans un but précis de développement, de promotion de l'économie communautaire. L'espace étant représenté par un ensemble de serveurs, dont le ou les serveurs pivots reconnus comme les maîtres d'exploitation du système, les serveurs appartenant à la banque, partenaire principal, les serveurs appartenant aux banques partenaires secondaires, les clients commerçants, les serveurs des partenaires privées, publiques etc.. les clients finaux. Un certain nombre de services innovés dédiés sont implémentés, digitalisés au profit principalement de la communauté. La caractéristique de cette innovation est l'ensemble des services contenant des systèmes d'exploitation inexistants dans l'état d'art antérieur. Ces services sont exécutés sur l'espace et applicables sur les technologies et systèmes des inventions, 1, 2, 3. A digital space, defined by inventions 1, 2, 3, linked together to be exploitable for a specific purpose of development, promotion of the community economy. The space being represented by a set of servers, whose pivot server (s) recognized as the operating masters of the system, the servers belonging to the bank, main partner, the servers belonging to the secondary partner banks, the commercial customers, the servers of the private partners, public etc. the end customers. A number of dedicated innovative services are implemented, digitized mainly for the benefit of the community. The characteristic of this innovation is the set of services containing non-existent operating systems in the state of the prior art. These services are performed on space and applicable to technologies and systems of inventions, 1, 2, 3.
L'invention résulte de la mise ensemble des technologies et systèmes individuels des inventions 1, 2, 3 sur une technologie et système (un ou ensemble de serveurs adéquatement construit) capables à partir d'un espace virtuel, de produire des résultats favorables au développement d'une économie communautaire.  The invention results from putting the technologies and systems of the individual inventions 1, 2, 3 together on a technology and system (a suitably constructed set of servers) able from a virtual space, to produce results favorable to the development of a Community economy.
En un mot l'invention à une particularité de commuter technologie et systèmes au profit d'un développement digital d'économie communautaire.  In a word, the invention has the particularity of switching technology and systems to the benefit of a digital development of the community economy.
Selon l'invention défini par la mise ensemble technique des dispositifs (1,11, llbis, 12, 13, 14, 14bis, 15) de la figure 17 et des systèmes et procédures (16, 20) de la figure 17 pour permettre le fonctionnement d'un espace digital dédié et lié au développement d'une économie communautaire. C'est espace contient selon la figure 17, le dispositif (1) appelé serveur pivot (dispositif principal pour le fonctionnement de l'espace), muni d'un dispositif (2) composé de la technologie (3), de la technologie (4) qui est dotée de processeur Quad-core multi taches et d'une technologie multi mémoire (5) elle aussi avec des taches partagées. Le serveur pivot selon la figure 18 intègre la technologie (2) et les fonctions (6), (7), (8), (9), (10). A l'extérieur de (2), l'espace (20) selon la figure 17, prend aussi en compte le (llbis) représenté par (P), et identifiable par une carte appelée carte intelligente, la possession de cette carte donne a (P), des avantages exclusifs par rapport à un (P) sans carte qui paie plus pour bénéficier de l'exploitation de l'espace. (P) avec sa carte intelligente fait partie de l'économie communautaire, il accède aux TPE/C (11) et DAB/C (13) par l'introduction de la carte dans les lecteurs disponibles sur ces dispositifs. Pour ce qui est de l'exploitation de la carte par (P) sur internet (12) et (14) il suffit de respecter les règles considérées dans l'exploitation prévue dans l'invention.  According to the invention defined by the technical assembly of the devices (1,11, llbis, 12, 13, 14, 14a, 15) of FIG. 17 and the systems and procedures (16, 20) of FIG. functioning of a dedicated digital space linked to the development of a community economy. This space contains, according to FIG. 17, the device (1) called the pivot server (main device for the operation of the space), provided with a device (2) composed of the technology (3), the technology ( 4) which is equipped with quad-core multi-spot processor and multi memory technology (5) also with shared tasks. The hub server according to FIG. 18 integrates technology (2) and functions (6), (7), (8), (9), (10). Outside (2), the space (20) according to FIG. 17, also takes into account the (11bis) represented by (P), and identifiable by a card called a smart card, the possession of this card gives a (P), exclusive advantages over a (P) cardless card that pays more to benefit from the exploitation of space. (P) With its smart card is part of the community economy, it accesses the TPE / C (11) and DAB / C (13) by introducing the card in the drives available on these devices. Regarding the exploitation of the card by (P) on the internet (12) and (14) it suffices to respect the rules considered in the exploitation provided for in the invention.
L'environnement de l'espace d'économie communautaire prend en compte la présence d'une banque principale (17), cette banque aussi actrice principale, résulte être un moyen direct de diffusion, d'épargne et d'investissement communautaire où (P) intègre. L'environnement prend en compte la présence de banque (s) secondaires(s) (18), une banque (s) qui vient en complémentaire à la banque principale selon les engagements bancaires communautaires. En plus des banques des partenaires économiques (19) qui intègrent aussi l'espace. Il a été inventé pour la nécessité du bon fonctionnement de l'espace digital communautaire, le système compensatoire définit par la figure 24 qui intitulés (6) et (10) de la figure 17. Le (6) est caractérisé par les services virtuels tels que: OkSi s'applique aux défini par la figure 18 qui représente le système de contrôle par génération de code exécutée en environnement locale serveur pivot: à partir du code traditionnel (1) figure 18 émis par les systèmes antérieurs Visas, Master card etc.. un code périodique ((2), (3), (4), (5) figure 18) est généré et transmis (le code (5) figure 18) au mobile dont l'identifiant est déjà enregistré par défaut jusqu'à la fin de la période t. De ce fait, chaque confirmation par retransmission du code à partir du mobile pour la validation de la demande de (P) comme le prévoit le système, devrait se faire dans le temps (t). Le Digitton (Digitalisation du système tontine*) défini dans les figures 19, 20, 21, 22. Il s'agit de la digitalisation de la micro finance tontine pour la rendre internationale sans une limite d'espace résidentiel des participants. Elle garantit aux participants une pluralité et une universalité de choix d'investissements. Le Get (Gestion électronique des transferts) défini par la figure 23 représente une procédure de transfert basée sur le système compensatoire défini par la figure 24 et applicable à certains niveaux de transfert pour rendre à zéro les frais de transfert. L'E.Pub défini par la figure 26 est une publicité virtuelle venant intensifier le système compensatoire (figure 24). UnivCard défini par la figure 25 qui permet de passer d'un opérateur à un une autre pour les rechargements téléphoniques et gestion d'appel. L'AU défini par la figure 27 qui digitalise le service d'assistance et l'universalise pour la résolution d'un besoin de (P). The environment of the Community Economic Area takes into account the presence of a main bank (17), this bank also a leading actress, is a direct means of dissemination, savings and community investment where (P ) integrated. The environment takes into account the presence of secondary bank (s) (18), a bank (s) which complements the main bank according to the Community banking commitments. In addition to banks of economic partners (19) that also integrate space. It was invented for the need of the proper functioning of the digital community space, the compensatory system defined by Figure 24 which titles (6) and (10) of Figure 17. The (6) is characterized by virtual services such that: OkSi applies to the defined by figure 18 which represents the system of control by generation of code executed in local environment server pivot: from the traditional code (1) figure 18 emitted by the previous systems Visas, Master card etc. a periodic code ((2), (3), (4), (5) figure 18) is generated and transmitted (the code (5) appears in figure 18) to the mobile whose identifier is already registered by default until the end of period t. Therefore, each confirmation by retransmission of the code from the mobile for the validation of the request of (P) as provided by the system, should be done in time (t). The Digitton (Digitization of the tontine system *) defined in Figures 19, 20, 21, 22. It is the digitization of the micro finance tontine to make it international without a limit of residential space of the participants. It guarantees participants a plurality and a universality of investment choices. The Get (Electronic Transfer Management) defined in Fig. 23 represents a transfer procedure based on the compensating system defined in Fig. 24 and applicable to certain transfer levels to reset the transfer costs to zero. The E.Pub defined in Figure 26 is a virtual advertisement that intensifies the compensatory system (Figure 24). UnivCard defined by Figure 25 which allows to move from one operator to another for telephone recharging and call management. The AU defined by Figure 27 which digitizes the help desk and universalizes it for the resolution of a need for (P).

Claims

REVENDICATIONS
1. Carte électronique et magnétique caractérisée par un dispositif comprenant une carte ayant deux puces (1) intégrées en un seul support physique et utilisé pour la numérisation de N cartes de mémoire virtuelle, la première puce (A) est de type classique et est utilisée pour l'identification de la porteuse (P) de la carte et pour la reconnaissance de la carte (3 ') et la deuxième puce (B) est pour le traitement des instructions provenant de la première puce (A) et pour le choix d'au moins un des N cartes de mémoires, virtuelles. 1. An electronic and magnetic card characterized by a device comprising a card having two chips (1) integrated into a single physical medium and used for scanning N virtual memory cards, the first chip (A) is of conventional type and is used for the identification of the carrier (P) of the card and for the recognition of the card (3 ') and the second chip (B) is for the processing of instructions from the first chip (A) and for the choice of at least one of the N virtual memory cards.
2. Carte de paiement selon la revendication 1, où la carte est activée par contact avec un dispositif de type TPE/c dispositif communautaire de lecture / ou DAB/c. 2. A payment card according to claim 1, wherein the card is activated by contact with a device type TPE / c community reading device / or DAB / c.
3. Carte de paiement selon la revendication 1, où la carte dispose aussi d'un code qui peut être activé sur le dispositif de lecture disposé au moins partiellement à partir d'un téléphone mobile par exemple par l'intermédiaire d'un message. 3. The payment card of claim 1, wherein the card also has a code that can be activated on the reading device arranged at least partially from a mobile phone for example via a message.
4. Carte de paiement selon la revendication 3, où le message est transmis par le téléphone en appuyant sur le '#'. 4. Payment card according to claim 3, wherein the message is transmitted by the phone by pressing the '#'.
5. Carte de paiement selon la revendication 1, où la deuxième puce (B) est insérée dans la carte en position non visible. 5. A payment card according to claim 1, wherein the second chip (B) is inserted in the card in the non-visible position.
6. Carte de paiement selon la revendication 5, où le circuit intégré (B) de l'objet de la deuxième puce est revêtue d'un film spécial qui empêche le contact avec l'extérieur. 6. A payment card according to claim 5, wherein the integrated circuit (B) of the object of the second chip is coated with a special film which prevents contact with the outside.
7. Carte de paiement selon la revendication 1, où la deuxième puce (B) est connectée électriquement avec l'extérieur à travers la première puce (A). The payment card of claim 1, wherein the second chip (B) is electrically connected to the outside through the first chip (A).
8. Carte de paiement selon la revendication 1, où N représentent des cartes de paiement virtuel de la carte mémoire (VISA, MASTERCARD, etc ...), cartes de fidélité, cartes d'achat, carte de prêt. 8. A payment card according to claim 1, wherein N represent virtual payment cards of the memory card (VISA, MASTERCARD, etc ...), loyalty cards, acquisition cards, loan card.
9. Carte de paiement selon la revendication 2, où la carte communique avec un serveur central de pivotement qui est en mesure de recevoir les données de la carte dans le dispositif lecteur. 9. A payment card according to claim 2, wherein the card communicates with a central pivot server which is able to receive the data from the card in the reader device.
10. Carte de paiement selon la revendication 1, où le dispositif de lecture au moyen des touches appropriées permet le choix de la carte mémoire virtuelle. 10. The payment card according to claim 1, wherein the reading device by means of the appropriate keys allows the choice of the virtual memory card.
11. Système électronique pour la gestion des cartes de paiement selon la revendication 1, caractérisé en ce qu'il comporte un serveur central de pivotement qui est en mesure de recevoir les données de la carte dans un dispositif de lecture TPE /C ou DAB / C. 11. Electronic payment card management system according to claim 1, characterized in that it comprises a central pivot server which is able to receive the data from the card in a TPE / C or DAB / reader device. vs.
12. Système électronique pour la gestion de services selon la revendication 1 et 2, caractérisé en ce qu'il active (l'opérativité sur les TPE/C ou DAB/C et autre dispositif mobile lié à l'ensemble du système), le digisystine (digitalisation du système de la tontine), le système compensatoire, la carte téléphonique internationale, le service Epub et le service d'assistance universelle. 12. Electronic system for service management according to claim 1 and 2, characterized in that it activates (the operation on the TPE / C or DAB / C and other mobile device linked to the entire system), the digisystine (digitalization of the tontine system), the compensatory system, the international phone card, the Epub service and the universal assistance service.
PCT/IB2014/066547 2013-12-03 2014-12-03 Smart card support for virtual integration of multiple electronic and magnetic cards WO2015083093A1 (en)

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FR1302802A FR3014226A1 (en) 2013-12-03 2013-12-03 UNIT OF SYSTEMS AND TECHNOLOGIES FOR DIGITAL MODEL OF ECONOMIC DEVELOPMENT COMMUNITY

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Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0982692A2 (en) * 1998-08-26 2000-03-01 International Business Machines Corporation Expanded smart card communication architecture and procedure for communicating between smart card application and data carrier
WO2002047022A1 (en) * 2000-12-06 2002-06-13 First Usa Bank, N.A. Selectable multi-purpose card
CN102087716A (en) * 2011-03-02 2011-06-08 武汉天喻信息产业股份有限公司 Multi-application Java smart card
SG181184A1 (en) * 2010-11-19 2012-06-28 Wuhan Tianyu Inf Industry Co A mobile payment smart card and its control method

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0982692A2 (en) * 1998-08-26 2000-03-01 International Business Machines Corporation Expanded smart card communication architecture and procedure for communicating between smart card application and data carrier
WO2002047022A1 (en) * 2000-12-06 2002-06-13 First Usa Bank, N.A. Selectable multi-purpose card
SG181184A1 (en) * 2010-11-19 2012-06-28 Wuhan Tianyu Inf Industry Co A mobile payment smart card and its control method
CN102087716A (en) * 2011-03-02 2011-06-08 武汉天喻信息产业股份有限公司 Multi-application Java smart card

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