ES2134300T3 - Sistema para llevar a cabo transacciones con una tarjeta multifuncional dotada de monedero electronico. - Google Patents

Sistema para llevar a cabo transacciones con una tarjeta multifuncional dotada de monedero electronico.

Info

Publication number
ES2134300T3
ES2134300T3 ES94114234T ES94114234T ES2134300T3 ES 2134300 T3 ES2134300 T3 ES 2134300T3 ES 94114234 T ES94114234 T ES 94114234T ES 94114234 T ES94114234 T ES 94114234T ES 2134300 T3 ES2134300 T3 ES 2134300T3
Authority
ES
Spain
Prior art keywords
exchange
card
application
supplier
carry out
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
ES94114234T
Other languages
English (en)
Inventor
Wolfgang Rankl
Dieter Weiss
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.)
Giesecke and Devrient GmbH
Original Assignee
Giesecke and Devrient GmbH
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 Giesecke and Devrient GmbH filed Critical Giesecke and Devrient GmbH
Application granted granted Critical
Publication of ES2134300T3 publication Critical patent/ES2134300T3/es
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—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
    • 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
    • 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
    • G06Q20/36—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

Landscapes

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

Abstract

EN UN SISTEMA PARA LA REALIZACION DE TRANSACCIONES CON UNA TARJETA MULTIFUNCIONAL DOTADA CON UN CIRCUITO DE CONEXION INTEGRADO, EL CIRCUITO DE CONEXION CONTIENE UNA POSIBILIDAD DE UTILIZACION DE BANCO COORDINADA CON EL BANCO CORRESPONDIENTE AL UTILIZADOR Y AL MENOS UNA OFERTA DE SERVICIOS O UTILIZACION DE BOLSA COORDINADA POR EL ELABORADOR. CON LA AYUDA DE UN DISPOSITIVO, QUE SE COMUNICA CON LA TARJETA, EL UTILIZADOR DE LA TARJETA PUEDE CARGAR UN IMPORTE DE DINERO DISCRECIONAL EN LA UTILIZACION EN SERVICIOS DE BOLSA. EL OPERADOR DE BOLSA AJUSTA UN CERTIFICADO AUTENTICO A TRAVES DE LA DISPOSICION DE UN IMPORTE SUBSCRITO CARGADO EN LA BOLSA Y EN CONEXION CON LA CUENTA DEL OPERADOR DE BOLSA, SIN QUE DEBA EFECTUARSE UN AJUSTE DE LOS DATOS SECRETOS NECESARIOS PARA LA ELABORACION DE ESTE CERTIFICADO EN SU UTILIZACION EN APLICACIONES DE BOLSA O EN TERMINALES DE BOLSA DE FORMA ACUMULADA.
ES94114234T 1993-09-30 1994-09-09 Sistema para llevar a cabo transacciones con una tarjeta multifuncional dotada de monedero electronico. Expired - Lifetime ES2134300T3 (es)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
DE4333388A DE4333388A1 (de) 1993-09-30 1993-09-30 System zur Durchführung von Transaktionen mit einer Multifunktionskarte mit elektronischer Börse

Publications (1)

Publication Number Publication Date
ES2134300T3 true ES2134300T3 (es) 1999-10-01

Family

ID=6499098

Family Applications (1)

Application Number Title Priority Date Filing Date
ES94114234T Expired - Lifetime ES2134300T3 (es) 1993-09-30 1994-09-09 Sistema para llevar a cabo transacciones con una tarjeta multifuncional dotada de monedero electronico.

Country Status (7)

Country Link
US (1) US5534683A (es)
EP (1) EP0646898B1 (es)
JP (1) JPH07254035A (es)
AT (1) ATE182227T1 (es)
DE (2) DE4333388A1 (es)
ES (1) ES2134300T3 (es)
SG (1) SG46353A1 (es)

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FR2716021B1 (fr) * 1994-02-09 1996-04-12 Gemplus Card Int Procédé et système de transaction par carte à puce.
EP0724238A1 (en) * 1995-01-24 1996-07-31 Europay International S.A. Card apparatus and cashless transaction system
DE19528883A1 (de) * 1995-08-05 1997-02-06 Wolfgang Achtert Parzellierung eines Chips auf einer Chipkarte mit speziell gesicherten Zugriffseinrichtungen
DE19529252A1 (de) * 1995-08-09 1997-02-13 Motto Marketing Systeme Gmbh Computergestütztes Datenbankinformations- und Geschäftsabwicklungssystem mit Sicherungstechnik, elektronischer Zugriffskontrolle und Zahlungsgarantie
US6076075A (en) * 1995-09-25 2000-06-13 Cardis Enterprise International N.V. Retail unit and a payment unit for serving a customer on a purchase and method for executing the same
DE19545020A1 (de) * 1995-12-02 1997-06-05 Dieter Ammer Verfahren zum Freigeben von Identifikationsgegenständen
CA2191502C (en) * 1995-12-08 2002-02-05 Masayuki Ohki Holding apparatus of electronic money
DE19548581C2 (de) * 1995-12-28 2003-02-27 Deutsche Telekom Ag Verfahren zum Abrechnen elektronischer Geldbörsensysteme auf Chipkarten
ATE226344T1 (de) * 1996-01-08 2002-11-15 Juergen Dethloff Verfahren und system zum bezahlen von leistungen sowie tragbarer datenträger für ein derartiges system
DE19604691A1 (de) * 1996-02-09 1997-08-14 Sel Alcatel Ag Chip-Karte, Verfahren und System zur Nutzung von kostenpflichtigen Diensten
DE19604876C1 (de) * 1996-02-10 1997-09-04 Deutsche Telekom Ag Verfahren zur Transaktionskontrolle elektronischer Geldbörsensysteme
DE19605361C2 (de) * 1996-02-14 2000-09-28 Kaste Hans Ulrich Verfahren zum Realisieren einer elektronischen Bonus- und Geldbörse
US6044360A (en) * 1996-04-16 2000-03-28 Picciallo; Michael J. Third party credit card
DE19615303A1 (de) * 1996-04-18 1997-10-23 Deutsche Telekom Ag Verfahren und Vorrichtung zur Zahlung aus Chipkarten mit Börsenfunktion
DE19618471C2 (de) * 1996-05-08 1998-06-04 Deutsche Telekom Ag Verfahren zum Transferieren von Geldbeträgen zwischen überschreibbaren Speichern einer Chipkarte
DE19622533A1 (de) 1996-06-05 1997-12-11 Deutsche Telekom Ag Verfahren und Vorrichtung zum Laden von Inputdaten in einen Algorithmus bei der Authentikation
DE19628045A1 (de) * 1996-07-11 1998-01-22 Esd Information Technology Ent Verfahren und Anordnung zur Integration von Kunden/Händlern innerhalb bestehender Zahlungsstrukturen bei der Abwicklung des Zahlungsverkehrs über Netze
JP3366808B2 (ja) * 1996-07-18 2003-01-14 株式会社日立製作所 電子財布
US7096003B2 (en) * 1996-08-08 2006-08-22 Raymond Anthony Joao Transaction security apparatus
US6021943A (en) * 1996-10-09 2000-02-08 Chastain; Robert H. Process for executing payment transactions
IL119486A0 (en) * 1996-10-24 1997-01-10 Fortress U & T Ltd Apparatus and methods for collecting value
JP3872194B2 (ja) * 1996-12-16 2007-01-24 沖電気工業株式会社 電子取引システム
DE19718115A1 (de) * 1996-12-23 1998-06-25 Ccs Chipcard & Comm Syst Gmbh Chipkarte und Verfahren zur Verwendung der Chipkarte
US6012636A (en) * 1997-04-22 2000-01-11 Smith; Frank E. Multiple card data system having first and second memory elements including magnetic strip and fingerprints scanning means
DE19723862C2 (de) * 1997-06-06 2000-07-13 Ibm Mobiler Datenträger für Sicherheitsmodule
DE19727386C1 (de) * 1997-06-27 1999-01-07 Ibm Verfahren zur Verarbeitung von Transaktionsdaten
ES2173652T5 (es) 1997-10-28 2010-10-13 First Data Mobile Holdings Limited Procedimiento para la firma digital de un mensaje.
US6038552A (en) * 1997-12-10 2000-03-14 The Chase Manhattan Bank Method and apparatus to process combined credit and debit card transactions
DE29807597U1 (de) 1998-04-27 1998-07-16 ESD Information Technology Entwicklungs GmbH, 04430 Dölzig Ladeterminal für Geldkarten
DE19818726C1 (de) * 1998-04-27 1999-10-14 Esd Information Technology Ent Ladeterminal für Geldkarten sowie Verfahren zum Betrieb eines solchen
DE19844677C2 (de) * 1998-08-07 2001-05-31 Khaja Ali Hassan Al Verfahren und Vorrichtung zur drahtlosen elektronischen Abwicklung von Transaktionen
CA2347460C (en) * 1998-10-13 2009-12-29 Mordechai Teicher Processing system and method for a heterogeneous electronic cash environment
US7386727B1 (en) 1998-10-24 2008-06-10 Encorus Holdings Limited Method for digital signing of a message
US6032136A (en) * 1998-11-17 2000-02-29 First Usa Bank, N.A. Customer activated multi-value (CAM) card
HRP980597A2 (en) * 1998-11-18 2001-06-30 Lada Sokota Multifunctional bank card
KR100338483B1 (ko) * 1999-01-07 2002-05-30 비센트 비.인그라시아, 알크 엠 아헨 전자지갑 자동 충전 및 징수장치와 그 처리방법
DE29908783U1 (de) 1999-05-19 1999-09-09 Me Technology Europe GmbH, 04430 Dölzig Eingabegerät für Geschäftsvorfälle
US7376583B1 (en) 1999-08-10 2008-05-20 Gofigure, L.L.C. Device for making a transaction via a communications link
US7720762B1 (en) 2002-10-03 2010-05-18 Gofigure Payments, Llc System and method for electronically processing commercial transactions based upon threshold amount
US20050229003A1 (en) 2004-04-09 2005-10-13 Miles Paschini System and method for distributing personal identification numbers over a computer network
AU2002224806A1 (en) * 2000-12-09 2002-06-18 International Business Machines Corporation Aging of electronic payment units
US10205721B2 (en) 2002-12-10 2019-02-12 Ewi Holdings, Inc. System and method for distributing personal identification numbers over a computer network
WO2004107280A2 (en) 2003-05-28 2004-12-09 Ewi Holdings, Inc. System and method for electronic prepaid account replenishment
US20050181875A1 (en) * 2004-02-18 2005-08-18 Coin Mechanisms, Inc. Mobile lottery, gaming and wagering system and method
US11475436B2 (en) 2010-01-08 2022-10-18 Blackhawk Network, Inc. System and method for providing a security code
US11599873B2 (en) 2010-01-08 2023-03-07 Blackhawk Network, Inc. Systems and methods for proxy card and/or wallet redemption card transactions
US7280644B2 (en) 2004-12-07 2007-10-09 Ewi Holdings, Inc. Transaction processing platform for faciliating electronic distribution of plural prepaid services
US9235841B2 (en) 2005-07-22 2016-01-12 Gtj Ventures, Llc Transaction security apparatus and method
US9245270B2 (en) 2005-07-22 2016-01-26 Gtj Ventures, Llc Transaction security apparatus and method
US9911124B2 (en) 2005-07-22 2018-03-06 Gtj Ventures, Llc Transaction security apparatus and method
US10296895B2 (en) 2010-01-08 2019-05-21 Blackhawk Network, Inc. System for processing, activating and redeeming value added prepaid cards
US9235831B2 (en) 2009-04-22 2016-01-12 Gofigure Payments, Llc Mobile payment systems and methods
US10037526B2 (en) 2010-01-08 2018-07-31 Blackhawk Network, Inc. System for payment via electronic wallet
MX2012007926A (es) 2010-01-08 2012-08-03 Blackhawk Network Inc Un sistema para procesar, activar y reembolsar tarjetas prepagadas de valor agregado.
KR101903963B1 (ko) 2010-08-27 2018-10-05 블랙호크 네트워크, 아이엔씨. 저축 특징을 갖는 선불 카드
US11042870B2 (en) * 2012-04-04 2021-06-22 Blackhawk Network, Inc. System and method for using intelligent codes to add a stored-value card to an electronic wallet
CA2892013C (en) 2012-11-20 2022-11-22 Blackhawk Network, Inc. System and method for using intelligent codes in conjunction with stored-value cards
GB2581282A (en) * 2013-01-03 2020-08-12 Blackhawk Network Inc System and method for providing a security code

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US4877950A (en) * 1982-08-23 1989-10-31 Paperless Accounting, Inc. Electronic purse-device
FR2639742B2 (fr) * 1988-05-30 1992-03-13 Dassault Electronique Systeme de transaction du type porte-monnaie electronique mixte
JPH02205993A (ja) * 1989-02-03 1990-08-15 Matsushita Refrig Co Ltd Ｉｃカードシステム
WO1990015382A1 (en) * 1989-05-31 1990-12-13 Datacard Corporation Microcomputer debit card
FR2650097B1 (fr) * 1989-07-19 1992-12-31 Pailles Jean Claude Carte a microcircuit cable et procede de transaction entre une carte a microcircuit cable correspondante et un terminal
JP2793710B2 (ja) * 1990-10-19 1998-09-03 沖電気工業株式会社 取引認証方式
JP3083187B2 (ja) * 1991-09-30 2000-09-04 富士通株式会社 電子財布システムの鍵管理方式
US5231666A (en) * 1992-04-20 1993-07-27 International Business Machines Corporation Cryptographic method for updating financial records
DE4243851A1 (de) * 1992-12-23 1994-06-30 Deutsche Bundespost Telekom Verfahren zum Transferieren von Buchgeldbeträgen auf und von Chipkarten

Also Published As

Publication number Publication date
US5534683A (en) 1996-07-09
JPH07254035A (ja) 1995-10-03
EP0646898A2 (de) 1995-04-05
DE4333388A1 (de) 1995-04-06
EP0646898B1 (de) 1999-07-14
SG46353A1 (en) 1998-02-20
EP0646898A3 (de) 1997-05-21
ATE182227T1 (de) 1999-07-15
DE59408485D1 (de) 1999-08-19

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