Classifications

• • G—PHYSICS
  • G06—COMPUTING OR CALCULATING; COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
  • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
• • G—PHYSICS
  • G07—CHECKING-DEVICES
  • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
  • G07G1/00—Cash registers
  • G07G1/12—Cash registers electronically operated
  • G07G1/14—Systems including one or more distant stations co-operating with a central processing unit
• • G—PHYSICS
  • G06—COMPUTING OR CALCULATING; COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/08—Payment architectures
  • G06Q20/20—Point-of-sale [POS] network systems

Definitions

• the present invention relates to an electronic cash register system for debiting and recharging an electronic purse containing a certain amount of money in the form of electronic value (EV) and relates in particular to an electronic cash register system for a door - electronic money.
• EV electronic value
• the credit card system of allows payment for the purchase of products or services.
• the credit authorization amount of each card depends on many factors such as the creditworthiness of its owner, the type of contract signed between the card owner and the issuing bank, etc.
• the credit authorization limit is therefore variable according to the cards and can reach significant sums. Admittedly, this credit authorization limit represents the advantage for the card holder to be able to make purchases the amount of which may be greater than the balance of their bank account at the time of purchase.
• this system allows the thief or the fraudster to make multiple withdrawals of money or purchases from the account carrying the card without the amount of withdrawals or purchases being limited .
• PME electronic wallet system
• electronic purses are presented as conventional electronic memory cards, and therefore consist of a plastic card body in which is inserted an electronic module intended to be connected to a reading device.
• SMEs are disposable or refillable.
• the electronic module essentially consists of a simple memory whose content, representing the available balance, is decremented each time the amount of the transaction is used and this until the balance is exhausted.
• This type of electronic wallet works just like a prepaid phone card.
• the rechargeable SME has a more complex structure since it includes a rewritable memory in which is defined a balance file whose content is, as for the disposable PME, decremented with each transaction, or, on the contrary, incremented by the amount of the recharged sum , all these operations being carried out under the control of a microprocessor and with a degree of security non-existent in disposable SMEs.
• the management system of rechargeable SMEs requires an acquisition and recharging system and a system for controlling the circulation of electronic money.
• Today's existing SME systems require a new architecture compared to the existing CB system.
• the SME management system requires a system that controls both the issue and the acquisition of electronic value.
• the bank must be able to establish a daily statement of the SME and therefore establish a traceability of the circulation of electronic value so that the difference between the balance of the issuing system and the acquisition system is always positive or at least equal to zero, which it achieves by establishing a mirror account.
• Document EP 0.797.174 describes such a management system by simplifying it since the so-called "pool account" is deleted. However, this system still has the drawback of using centralized management at the bank level.
• SAM Security Application Module
• the security module acts equally at the level of the transmission system, the acquisition and recharging systems and the recharging and payment terminals. Its installation requires establishing new modules, new software and new connections.
• the existing credit card management system is based on a simple collection and authorization system. Unlike the PME system, there is no circulation of money, but a bank-to-bank clearing system.
• the clearing system consists in collecting, thanks to an acquisition system, the individual transactions carried out on the withdrawal or payment terminals from merchants, and then transferring the money by clearing between the bank from the bank account of the card Credit card to the bank of the merchant's bank account.
• the authorization system consists of checking whether the card is a "real" card and whether the card holder is creditworthy. This diagram does not require the installation of a security module.
• the SME systems currently developed are therefore complex to implement because they require a new architecture compared to the already existing CB system and a complex secure management system.
• the object of the invention is to provide an SME management system of the electronic cash register type allowing the debit and recharging of an electronic purse at the merchant who does not require a system. secure management complex nor a new architecture compared to the existing CB system.
• the object of the invention therefore relates to a payment system for an electronic purse in the form of a memory card or the like in which the payment of a purchase also called transaction made at a merchant is carried out using a payment terminal.
• the system comprises an electronic cash register located at the place of the transaction having at least one read / write device intended to read and write in the memory of the electronic purse, of a microprocessor, '' a memory and a security module to give the microprocessor the authorization to carry out the transaction, the content of the memory of the electronic cash register being increased by an amount equal to the amount of the purchase when the memory of the door -Electronic money is read by the read / write device, so that the management of a transaction carried out at the merchant is carried out at the very place of the transaction.
• FIG. 1 represents the complete diagram of the system of the electronic purse according to a preferred embodiment of the invention
• FIG. 2 is a block diagram of the electronic cash register according to the invention. Detailed description of the invention
• the electronic wallet system (PME) according to a preferred embodiment of the invention comprises on the one hand the circuit used by the existing banking system which is the CB 12 system but which could be any other equivalent system and on the other hand a set 10 which comprises an electronic cash register 14 which interfaces with the electronic purse 16 and a CB payment terminal 20, and the merchant card 18 which interfaces with the CB payment terminal 20 for carrying out the transactions on the existing CB circuit.
• the assembly 10 is described in detail in FIG. 2.
• the banking system and in particular the existing CB system 12 is based on a simple collection and authorization system.
• a blue card which represents the central element of the functional architecture of the CB system, allows its holder to pay for products or services via a payment terminal 20 at the merchant.
• An authorization center 22 mainly comprises a function for verifying the validity of the card and a function for verifying the creditworthiness of the card holder when the amount of the purchase exceeds a certain threshold.
• the payment terminal regularly connects to the bank card circuit by means of the PSTN telephone network and after the merchant has introduced his merchant card 18 into the payment terminal CB 20.
• An acquisition system 24 collects all the transactions carried out by means from the payment terminal 20.
• a compensation system 26 then transfers the electronic money, without any real circulation of money, from the bank account of the CB card to the merchant's bank account.
• the electronic cash register 14 is composed of a keyboard 32 and a display means 34 which allow the execution of transactions with PME, a microprocessor 36 and a memory 38.
• the memory 38 is a rewritable memory in which is defined a balance file, the content of which is decremented on each transaction, or, on the contrary, incremented by the amount of the reloaded sum, all these operations being carried out under the control of microprocessor 36. Note that debit operations by PME or reloading of the latter carried out using the keyboard 32 and the display means 34 of the electronic cash register, could also be done using the keyboard and the screen of the payment terminal 20 if the latter has been provided for that.
• the electronic cash register 14 is provided with an SME read / write device 40 connected to the microprocessor 36, in this embodiment, by a security module (SAM) 42.
• SAM security module
• the payment terminal CB 20 is connected to the microprocessor 36 thanks to an interface 44.
• the SAM 42 is a physical or logical functionality of the system and allows secure storage of data such as electronic value, encryption keys for the transfer of secure data, as well as authorization to perform the transaction. Note that this functionality could be implemented by software implemented in the microprocessor 36
• the SME read / write device 40 makes it possible to read SMEs by contact by inserting it into a slot.
• the PME is a contactless card provided with an integrated antenna and the read / write device 40 is also provided with an antenna to allow the exchange of electromagnetic signals and therefore the reading of PME without contact by electromagnetic coupling.
• the PME is read by the read / write device 40 in order to make a payment for the purchase of products or services or in order to recharge the PME. Thanks to the introduction into a slot arranged in the payment terminal 20 of the merchant card 18 which is a specific authorization card of the CB type, the merchant can at any time transfer the electronic value accumulated in the electronic cash register 14 to his bank account.
• the electronic cash register 14 can get money from his bank and recharge the electronic cash register 14 by converting money to EV.
• the merchant obtains an EV amount corresponding to the value of the products or services provided to the bearer of the SME card, which he returns to his bank in the form of money.
• the electronic cash register cannot issue more EV than it contains and can only store a limited capacity of EV.
• the interface 44 between the electronic cash register 14 and the payment terminal CB 20 can be either a permanent link, or a connection established at the time when the electronic cash register must be connected to the terminal. In this case, the electronic cash register has an interface in the form of a card which is plugged into the terminal slot.
• the electronic cash register itself establishes the traceability of the circulation of electronic value.
• the mirror account established in the bank for the management of existing SME systems is no longer necessary.
• the acquisition system 24 is the bank card system common to the economic interest group of banks.
• the system according to the invention is decentralized and can therefore be used by a cartel of traders or by a private chain.
• the circuit used is no longer the CB circuit but a specific circuit allowing the traders of the cartel or at the various points of sale of the private chain to be able to carry out transactions with the owners of PME having the authorization of the cartel or from the private channel.
• the installation of the system according to the invention requires only the modification of the payment terminals by the addition of the SME interface or electronic cash register and by the use of the merchant card of the current CB system in the management. SMEs.

Landscapes

• Business, Economics & Management (AREA)
• Accounting & Taxation (AREA)
• Engineering & Computer Science (AREA)
• Physics & Mathematics (AREA)
• General Physics & Mathematics (AREA)
• Finance (AREA)
• Computer Networks & Wireless Communication (AREA)
• Strategic Management (AREA)
• General Business, Economics & Management (AREA)
• Theoretical Computer Science (AREA)
• Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
• Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Applications Claiming Priority (3)

Publications (1)

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ID=8865290

Family Applications (1)

Country Status (14)

Families Citing this family (18)

Family Cites Families (12)

• 2001
  • 2001-07-09 FR FR0109102A patent/FR2827058B1/fr not_active Expired - Fee Related
• 2002
  • 2002-06-24 TW TW091113731A patent/TW580630B/zh not_active IP Right Cessation
  • 2002-07-09 IL IL15674302A patent/IL156743A0/xx unknown
  • 2002-07-09 CN CNA028042883A patent/CN1518726A/zh active Pending
  • 2002-07-09 KR KR10-2003-7003414A patent/KR20030029948A/ko not_active Withdrawn
  • 2002-07-09 RU RU2003123790/09A patent/RU2003123790A/ru not_active Application Discontinuation
  • 2002-07-09 US US10/250,316 patent/US6959873B2/en not_active Expired - Fee Related
  • 2002-07-09 WO PCT/FR2002/002407 patent/WO2003007201A2/fr not_active Ceased
  • 2002-07-09 JP JP2003512891A patent/JP2004534338A/ja active Pending
  • 2002-07-09 EP EP02764959A patent/EP1412902A2/fr not_active Withdrawn
  • 2002-07-09 CA CA002434236A patent/CA2434236A1/fr not_active Abandoned
  • 2002-07-09 MX MXPA03006418A patent/MXPA03006418A/es unknown
  • 2002-07-09 BR BR0205711-5A patent/BR0205711A/pt not_active IP Right Cessation
• 2003
  • 2003-02-26 ZA ZA200301558A patent/ZA200301558B/en unknown

Non-Patent Citations (1)

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