ES2079455T3 - Sistema de pago por tarjetas con circuitos integrados bimodulo. - Google Patents

Sistema de pago por tarjetas con circuitos integrados bimodulo.

Info

Publication number
ES2079455T3
ES2079455T3 ES90400280T ES90400280T ES2079455T3 ES 2079455 T3 ES2079455 T3 ES 2079455T3 ES 90400280 T ES90400280 T ES 90400280T ES 90400280 T ES90400280 T ES 90400280T ES 2079455 T3 ES2079455 T3 ES 2079455T3
Authority
ES
Spain
Prior art keywords
payment system
bimodulo
cards
integrated circuits
logic unit
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Expired - Lifetime
Application number
ES90400280T
Other languages
English (en)
Inventor
Raoul Parienti
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Individual filed Critical Individual
Application granted granted Critical
Publication of ES2079455T3 publication Critical patent/ES2079455T3/es
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K17/00—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
    • G06K17/0022—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations arrangements or provisions for transferring data to distant stations, e.g. from a sensing device
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07737—Constructional details, e.g. mounting of circuits in the carrier the record carrier consisting of two or more mechanically separable parts
    • G06K19/07741—Constructional details, e.g. mounting of circuits in the carrier the record carrier consisting of two or more mechanically separable parts comprising a first part operating as a regular record carrier and a second attachable part that changes the functional appearance of said record carrier, e.g. a contact-based smart card with an adapter part which, when attached to the contact card makes the contact card function as a non-contact card
    • 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
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • 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
    • G06Q20/34—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
    • G06Q20/343—Cards including a counter
    • G06Q20/3433—Cards including a counter the counter having monetary units
    • 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
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
    • G07B15/00—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points
    • G07B15/06—Arrangements for road pricing or congestion charging of vehicles or vehicle users, e.g. automatic toll systems
    • G07B15/063—Arrangements for road pricing or congestion charging of vehicles or vehicle users, e.g. automatic toll systems using wireless information transmission between the vehicle and a fixed station
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • 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
    • G07F7/0866—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 by active credit-cards adapted therefor
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873—Details of the card reader
    • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Hardware Design (AREA)
  • Finance (AREA)
  • General Engineering & Computer Science (AREA)
  • Credit Cards Or The Like (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Conductive Materials (AREA)
  • Compositions Of Oxide Ceramics (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Alarm Systems (AREA)
  • Control Of Gas Discharge Display Tubes (AREA)
  • Traffic Control Systems (AREA)

Abstract

ESTE SISTEMA DE PAGO CONSTA EN COMBINACION DE UN SOPORTE (1), COMO UNA TARJETA, EN EL QUE ETAN MONTADOS DE FORMA FIJA UN MODULO CONSTITUIDO POR UNA UNIDAD LOGICA (2) Y SU MEMORIA PROGRAMABLE BORRRABLE (3) Y, DE FORMA AMOVIBLE, OTRO MODULO CONSTITUIDO POR UNA MEMORIA PROGRAMABLE DESMONTABLE (5) QUE CONTIENE CIERTO CREDITO SUSCEPTIBLE DE SER DECREMENTADO, Y UN TERMINAL SUSCEPTIBLE DE COMUNICAR A LA UNIDAD LOGICA LA CANTIDAD DE LA TRANSACCION. LA UNIDAD LOGICA PERMITE EFECTUAR TRANSACCIONES ENTRE LA MEMORIA FIJA Y LA MEMORIA AMOVIBLE.
ES90400280T 1988-06-08 1990-02-02 Sistema de pago por tarjetas con circuitos integrados bimodulo. Expired - Lifetime ES2079455T3 (es)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
FR8808097A FR2632752B1 (fr) 1988-06-08 1988-06-08 Carte a puce bi-module memoire
PCT/FR1989/000292 WO1989012288A1 (fr) 1988-06-08 1989-06-08 Systeme de paiement par carte a circuits integres bi-module

Publications (1)

Publication Number Publication Date
ES2079455T3 true ES2079455T3 (es) 1996-01-16

Family

ID=9367381

Family Applications (1)

Application Number Title Priority Date Filing Date
ES90400280T Expired - Lifetime ES2079455T3 (es) 1988-06-08 1990-02-02 Sistema de pago por tarjetas con circuitos integrados bimodulo.

Country Status (11)

Country Link
EP (1) EP0402182B1 (es)
JP (1) JPH03501180A (es)
AT (1) ATE128257T1 (es)
AU (1) AU3832689A (es)
BR (1) BR8906985A (es)
DE (1) DE69022484T2 (es)
ES (1) ES2079455T3 (es)
FI (1) FI900593A7 (es)
FR (1) FR2632752B1 (es)
NO (1) NO900532L (es)
WO (1) WO1989012288A1 (es)

Families Citing this family (33)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6722570B1 (en) * 1988-12-12 2004-04-20 Smartdisk Corporation Smart data storage device
DE4007221A1 (de) * 1990-03-07 1991-09-12 Gao Ges Automation Org Pruefkopf fuer kontaktflaechen von wertkarten mit eingelagertem halbleiterchip
US5550358A (en) * 1991-01-31 1996-08-27 Tait; Robert A. R. Non-contacting transaction system
GB9102104D0 (en) * 1991-01-31 1991-03-13 Tait Robert A R Non-contacting transaction system
FR2672405B1 (fr) * 1991-02-05 1995-02-17 Schlumberger Ind Sa Systeme de gestion de moyens de paiement de prestations par support d'information amovible.
FR2674649A1 (fr) * 1991-03-28 1992-10-02 Dom Intell Ingenieries Procede de telecommande, dispositif pour sa mise en óoeuvre et carte a microcircuit associee a ce dispositif.
US6189055B1 (en) * 1991-06-26 2001-02-13 Smartdisk Corporation Multi-module adapter having a plurality of recesses for receiving a plurality of insertable memory modules
DE4121023C2 (de) * 1991-06-26 1994-06-01 Smartdiskette Gmbh In eine EDV-Einrichtung einsteckbares Element
US6089459A (en) * 1992-06-16 2000-07-18 Smartdiskette Gmbh Smart diskette device adaptable to receive electronic medium
JP3173171B2 (ja) * 1991-12-19 2001-06-04 カシオ計算機株式会社 情報転送システム
FR2686172B1 (fr) * 1992-01-14 1996-09-06 Gemplus Card Int Carte enfichable pour microordinateur formant lecteur de carte a contacts affleurants.
US5374818A (en) * 1992-03-09 1994-12-20 Control Module Inc. Identification means with integral memory device
FR2689997B1 (fr) * 1992-04-08 1997-06-13 Innovatron Sa Systeme d'echange de donnees sans contact entre un terminal et un ensemble portatif modulaire.
IT1260844B (it) * 1992-09-14 1996-04-23 Dispositivo di gestione del credito per apparecchiature computerizzate
FR2704670A1 (fr) * 1993-04-30 1994-11-04 Laprevotte Jim Système de contrôle administratif et antivol pour véhicule utilisant un support bi-modules mémoire.
FR2710996B1 (fr) * 1993-10-06 1995-12-01 Gemplus Card Int Carte portable multi-applications pour ordinateur personnel.
US6325291B1 (en) 1994-04-19 2001-12-04 Smarrt Diskette Gmbh Apparatus and method for transferring information between a smart diskette device and a computer
ES2110356B1 (es) * 1995-05-03 1998-10-01 Nubiola Malla Jesus Tarjetero electronico de bolsillo.
GB2309108B (en) * 1996-01-10 2000-05-17 Stanley William Fowers Improvements in or relating to smart cards
DE29602609U1 (de) * 1996-02-15 1997-06-12 Robert Bosch Gmbh, 70469 Stuttgart Erweiterte elektronische Chipkarteneinrichtung
DE19714259C2 (de) * 1997-04-08 2000-08-31 Angewandte Digital Elektronik Verfahren zum Nutzen von Werten als elektronische Speichereinheiten in Chipkarten
DE19881492D2 (de) 1997-10-15 2000-11-16 Angewandte Digital Elektronik Verfahren zur Nutzung von Speichereinheiten von Chipkarten
US7436957B1 (en) 1998-08-27 2008-10-14 Fischer Addison M Audio cassette emulator with cryptographic media distribution control
DE19915501A1 (de) * 1999-04-07 2000-10-12 Mercovend Maret Management Gmb Pfandkarte, Schlüsselkarte, Kreditkarte und/oder Identitätskarte
US6213403B1 (en) 1999-09-10 2001-04-10 Itt Manufacturing Enterprises, Inc. IC card with fingerprint sensor
US7487908B1 (en) * 1999-10-23 2009-02-10 Ultracard, Inc. Article having an embedded accessible storage member, apparatus and method for using same
US8397998B1 (en) 1999-10-23 2013-03-19 Ultracard, Inc. Data storage device, apparatus and method for using same
EP1247251B1 (de) * 2000-01-13 2004-04-28 Swisscom Mobile AG Verfahren und vorrichtung zum austausch von daten mit einer chipkarte
BE1013294A5 (fr) * 2000-02-23 2001-11-06 Matuz Bruno Louis Version electronique du titre-repas belge.
FR2845804B1 (fr) * 2002-10-15 2005-01-21 Raoul Parienti Systeme de carte a puces securise utilisable comme porte-monnaie electronique
DE60313225D1 (de) * 2003-10-15 2007-05-24 Raoul Parienti Gesichertes und als elektronische geldbörse verwendbares chipkartensystem
RU2328772C2 (ru) * 2003-10-15 2008-07-10 Рауль ПАРИЕНТИ Защищенная система с микропроцессорной карточкой, используемая в качестве электронного кошелька
SK288689B6 (sk) 2011-04-13 2019-08-05 Smk Corporation Platobná karta, čítačka platobných kariet, spôsob bezhotovostnej platby

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4443027A (en) * 1981-07-29 1984-04-17 Mcneely Maurice G Multiple company credit card system
DE3143047C2 (de) * 1981-10-30 1983-09-22 Schröder, Willi, 5800 Hagen Parkzeitanzeigevorrichtung
JPS58208882A (ja) * 1982-05-29 1983-12-05 Nippon Telegr & Teleph Corp <Ntt> Ｉｃカ−ド
DE3412663A1 (de) * 1984-04-04 1985-10-17 Siemens AG, 1000 Berlin und 8000 München Chipkartensystem
KR880700368A (ko) * 1984-09-21 1988-03-15 온 리 개인용 주차계량기
CH664635A5 (en) * 1984-11-14 1988-03-15 Sodeco Compteurs De Geneve Pencil-shaped cassette for cash-less payment - has optically-readable markings representing amounts of money on moving tape
CH664226A5 (de) * 1984-12-20 1988-02-15 Landis & Gyr Ag Kassierzaehler zum bargeldlosen bezug elektrischer energie mittels vorbezahlter wertkarten.
JPH065554B2 (ja) * 1985-05-20 1994-01-19 大日本印刷株式会社 数値記憶カ−ドの記録方法

Also Published As

Publication number Publication date
EP0402182A1 (fr) 1990-12-12
FI900593A0 (fi) 1990-02-07
DE69022484D1 (de) 1995-10-26
NO900532D0 (no) 1990-02-05
JPH03501180A (ja) 1991-03-14
FR2632752A1 (fr) 1989-12-15
DE69022484T2 (de) 1996-05-15
EP0402182B1 (fr) 1995-09-20
ATE128257T1 (de) 1995-10-15
WO1989012288A1 (fr) 1989-12-14
FR2632752B1 (fr) 1991-12-06
FI900593A7 (fi) 1990-02-07
AU3832689A (en) 1990-01-05
BR8906985A (pt) 1990-12-18
NO900532L (no) 1990-02-05

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