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WO2000062261A1 - Terminal method and system for managing monetary transactions and supply of services - Google Patents

Terminal method and system for managing monetary transactions and supply of services Download PDF

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Publication number
WO2000062261A1
WO2000062261A1 PCT/FR2000/000838 FR0000838W WO0062261A1 WO 2000062261 A1 WO2000062261 A1 WO 2000062261A1 FR 0000838 W FR0000838 W FR 0000838W WO 0062261 A1 WO0062261 A1 WO 0062261A1
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WO
WIPO (PCT)
Prior art keywords
service
company
monetary
terminal
services
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.)
Ceased
Application number
PCT/FR2000/000838
Other languages
French (fr)
Inventor
Francis Orengo
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.)
Manufacture dAppareillage Electrique de Cahors SA
Original Assignee
Manufacture dAppareillage Electrique de Cahors SA
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 Manufacture dAppareillage Electrique de Cahors SA filed Critical Manufacture dAppareillage Electrique de Cahors SA
Priority to AU36651/00A priority Critical patent/AU3665100A/en
Publication of WO2000062261A1 publication Critical patent/WO2000062261A1/en
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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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
    • G07F7/0866—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 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
    • G06Q10/00—Administration; Management
    • G06Q10/04—Forecasting or optimisation specially adapted for administrative or management purposes, e.g. linear programming or "cutting stock problem"
    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/08—Logistics, e.g. warehousing, loading or distribution; Inventory or stock management
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/229—Hierarchy of users of accounts
    • 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
    • G06Q20/36—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
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a 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
    • 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

Definitions

  • the present invention relates to a terminal for managing monetary transactions and providing services comprising at least one payment unit provided with a first reader of a first monetary chip card, said payment unit being connected to at least one banking establishment. and to at least one service company via a first communication network.
  • the invention also relates to a method and a system for managing transactions between a banking establishment and at least one service company.
  • the object of the invention is to provide a terminal capable of simultaneously and securely ensuring transactions between one or more banking organizations linked via a first network dedicated to the transmission of monetary data, and one or more service companies linked via one or more independent networks dedicated to the transmission of technical data relating to the services provided.
  • the terminal in addition to the payment unit, the terminal according to the invention comprises at least one module for processing service information provided by at least one service company, said processing module communicating bidirectionally with a control module.
  • technical equipment of the service company and cooperating with the payment unit to, on the one hand, make the payment for the services provided, and on the other hand, transmit to said company, via a second transmission network, information relating to the services provided.
  • the method according to the invention is characterized in that a value representative of the authorized service provision is loaded onto a smart card dedicated to service information, and a monetary smart card is debited simultaneously or successively amount corresponding to the cost of the authorized service, then the monetary information is transmitted via a first network to the banking establishment, and said monetary information as well as technical information relating to the services provided, via a second network, to the service company .
  • the processing module and the control module each comprise removable securing means.
  • the processing module comprises a unit for reading a second smart card intended to manage at least one service provided by at least one service company.
  • FIG. 1 shows a diagram illustrating a global communication system using a terminal according to the invention
  • FIG. 1 represents a system for managing at least one transaction between at least one banking establishment 2 communicating via a first transmission network and at least one service company 4 communicating via a second transmission network.
  • This system comprises a terminal 6 for managing monetary transactions and for providing services comprising a payment unit 7 provided with a first reader 8 of a first monetary chip card 9, said payment unit 7 being connected to the establishment banking 2 via a first communication network.
  • the terminal 6 also comprises a module 10 for processing the service information provided by the service company 4.
  • Said processing module 10 communicating bidirectionally with a control module 18 of the technical equipment 19 of the service company and cooperates with the payment unit 7 to, on the one hand, make payment to the service company 4 for the services provided, and on the other hand, transmit to said company 4, via a second transmission network , information relating to said services actually provided.
  • Said service company is an energy and / or water distribution company for example.
  • the processing 10 and control modules 18 each comprise removable security means 20 of the SAM type with smart card, which contain a program and a code specific to the company which supplies the services and may also contain parameters relating to the services delivered such as for example prices or limitations.
  • a clock 21 makes it possible to date the events in the terminal 6 and in the control module 18.
  • the processing module 10 includes a unit 14 for reading a smart card 16 intended to manage at least one service provided by the service company 4.
  • a value representative of the authorized service is loaded onto the smart card 16 dedicated to the service information.
  • the information previously loaded from the control module 18 is stored on said smart card 16, and simultaneously or successively, the monetary chip card 9 is debited with an amount corresponding to the authorized service, then the monetary information is transmitted to the banking establishment 2 via a first network and the service information to the service company 4 via a second network.
  • the information transmitted to the service company may be the quantity consumed in the case of energy distribution, the status of equipment, the identity of users and possible fraud attempts.
  • the terminal 6 further comprises a control keyboard 22, a screen 23 and a printer 24 making it possible to display and print the technical and monetary characteristics of the transaction.
  • the banking establishment 2, the service company 4 and the terminal 6 are equipped with data transmission means 25.
  • the unit 7 payment includes an additional reader 26 of a second monetary chip card 28.
  • This embodiment is particularly suitable for the case where the management terminal 6 is installed at a merchant.
  • payment for the service is made by debiting the corresponding amount from the merchant's card 28 using the additional reader 26. Payment can also be made in cash to the merchant. The amount of the service is then recharged by debit on the merchant's card.
  • the management terminal 6 can also be installed in a public terminal.
  • the smart card 16 dedicated to technical information relating to services can be specific to each service company or be common to several companies. In the latter case, said card 16 comprises several independent memory zones each associated with an access code specific to each company.
  • the terminal 6 according to the invention can be used in an authorization system for access to an area or to a room such as for example a car park or a room for sports activities. It can also be used to control equipment such as for example an automatic dispensing machine for consumables or a device made available to the user by the service company.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Economics (AREA)
  • Human Resources & Organizations (AREA)
  • Development Economics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Finance (AREA)
  • Marketing (AREA)
  • Operations Research (AREA)
  • Quality & Reliability (AREA)
  • Tourism & Hospitality (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Game Theory and Decision Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

The invention concerns a terminal (6) for managing monetary transactions and supply of services. The invention is characterised in that the management terminal (6) further comprises at least a processing module (10) for service data supplied by at least a service company (4), said processing module (10) provided with a two-way communication with a module controlling (18) technical equipment (19) of the service company (4) an co-operating with the payment unit (7) for carrying out payment for services supplied and transmitting to said company (4), via a second transmission network, data concerning the services supplied.

Description

TERMINAL, PROCEDE ET SYSTEME DE GESTION DE TRANSACTIONS MONETAIRES ET DE FOURNITURE DE TERMINAL, METHOD AND SYSTEM FOR MANAGING MONETARY TRANSACTIONS AND PROVIDING

SERVICESSERVICES

La présente invention concerne un terminal de gestion de transactions monétaires et de fourniture de services comportant au moins une unité de paiement munie d'un premier lecteur d'une première carte à puce monétaire, ladite unité de paiement étant reliée à au moins un établissement bancaire et à au moins une compagnie de service via un premier réseau de communication .The present invention relates to a terminal for managing monetary transactions and providing services comprising at least one payment unit provided with a first reader of a first monetary chip card, said payment unit being connected to at least one banking establishment. and to at least one service company via a first communication network.

L'invention concerne également un procédé et un système de gestion de transactions entre un établissement bancaire et au moins une société de service.The invention also relates to a method and a system for managing transactions between a banking establishment and at least one service company.

L'utilisation d'un terminal de traitement de données équipé d'un lecteur de cartes à puce pour effectuer des opérations commerciales est connue notamment par la demande de brevet n° 2 407 518. Le dispositif décrit dans ce document permet l'envoi ou la réception de données respectivement en direction ou en provenance d'une unité de traitement de données distante, mais ne permet pas de réaliser simultanément un transfert bidirectionnel d'informations de façon indépendante et sécurisée entre une ou plusieurs compagnies de services et les équipements de services contrôlés par carte à puce. On connaît également à travers la demande de brevet EP 0 114 773 A2 un dispositif et un procédé pour habiliter le détenteur d'une carte à accéder par cette carte à au moins un service. Ce document a pour objet uniquement le contrôle de l'accès au service et ne décrit pas non plus la possibilité de réaliser le transfert bidirectionnel d'informations entre une ou plusieurs compagnies de services et les équipements de services contrôlés par carte à puce.The use of a data processing terminal equipped with a smart card reader for carrying out commercial operations is known in particular from patent application No. 2 407 518. The device described in this document allows the sending or the reception of data respectively to or from a remote data processing unit, but does not allow simultaneous two-way transfer of information independently and securely between one or more service companies and the service equipment controlled by smart card. Also known from patent application EP 0 114 773 A2 is a device and a method for enabling the holder of a card to access by this card at least one service. This document is only intended to control access to the service and does not describe the possibility of carrying out the bidirectional transfer of information between one or more service companies and the service equipment controlled by smart card.

Le but de l'invention est de réaliser un terminal capable d'assurer simultanément et de façon sécurisée des transactions entre un ou plusieurs organismes bancaires reliés via un premier réseau dédié à la transmission de données monétaires, et une ou plusieurs sociétés de service reliées via un ou plusieurs réseaux indépendants dédiés à la transmission de données techniques relatives aux services fournis.The object of the invention is to provide a terminal capable of simultaneously and securely ensuring transactions between one or more banking organizations linked via a first network dedicated to the transmission of monetary data, and one or more service companies linked via one or more independent networks dedicated to the transmission of technical data relating to the services provided.

A cet effet, outre l'unité de paiement, le terminal selon l'invention comporte au moins un module de traitement des informations de services fournis par au moins une société de service, ledit module de traitement communiquant de façon bidirectionnelle avec un module de contrôle des équipements techniques de la société de service et coopérant avec l'unité de paiement pour, d'une part, effectuer le paiement des services fournis, et d'autre part, transmettre à ladite société, via un deuxième réseau de transmission, des informations relatives aux services fournis.To this end, in addition to the payment unit, the terminal according to the invention comprises at least one module for processing service information provided by at least one service company, said processing module communicating bidirectionally with a control module. technical equipment of the service company and cooperating with the payment unit to, on the one hand, make the payment for the services provided, and on the other hand, transmit to said company, via a second transmission network, information relating to the services provided.

Le procédé selon l'invention est caractérisé en ce que l'on charge sur une carte à puce dédiée aux informations de services une valeur représentative de la prestation de service autorisée, et simultanément ou successivement, on débite une carte à puce monétaire d'un montant correspondant au coût de la prestation autorisée, puis on transmet les informations monétaires via un premier réseau, à l'établissement bancaire, et lesdites informations monétaires ainsi que des informations techniques relatives aux services fournis, via un deuxième réseau, à la société de service. Selon une caractéristique importante de l'invention, le module de traitement et le module de contrôle comportent chacun des moyens de sécurisation amovibles .The method according to the invention is characterized in that a value representative of the authorized service provision is loaded onto a smart card dedicated to service information, and a monetary smart card is debited simultaneously or successively amount corresponding to the cost of the authorized service, then the monetary information is transmitted via a first network to the banking establishment, and said monetary information as well as technical information relating to the services provided, via a second network, to the service company . According to an important characteristic of the invention, the processing module and the control module each comprise removable securing means.

Préférentiellement, le module de traitement comporte une unité de lecture d'une deuxième carte à puce destinée à gérer au moins un service fourni par au moins une société de service. D'autres caractéristiques et avantages de l'invention ressortiront de la description qui va suivre, prise à titre d'exemple non limitatif, en référence aux figures annexées dans lesquelles:Preferably, the processing module comprises a unit for reading a second smart card intended to manage at least one service provided by at least one service company. Other characteristics and advantages of the invention will emerge from the description which follows, taken by way of nonlimiting example, with reference to the appended figures in which:

- La figure 1 représente un schéma illustrant un système global de communication utilisant un terminal conforme à l'invention ;- Figure 1 shows a diagram illustrating a global communication system using a terminal according to the invention;

- la figure 2 représente schématiquement un mode particulier de réalisation d'un terminal conforme à 1' invention. La figure 1 représente un système de gestion d'au moins une transaction entre au moins un établissement bancaire 2 communiquant via un premier réseau de transmission et au moins une société de service 4 communiquant via un deuxième réseau de transmission.- Figure 2 schematically shows a particular embodiment of a terminal according to one invention. FIG. 1 represents a system for managing at least one transaction between at least one banking establishment 2 communicating via a first transmission network and at least one service company 4 communicating via a second transmission network.

Ce système comporte un terminal 6 de gestion des transactions monétaires et de fourniture de services comportant une unité de paiement 7 munie d'un premier lecteur 8 d'une première carte à puce monétaire 9, ladite unité de paiement 7 étant reliée à l'établissement bancaire 2 via un premier réseau de communication. Le terminal 6 comporte en outre un module 10 de traitement des informations de services fournies par la société de service 4. Ledit module de traitement 10 communiquant de façon bidirectionnelle avec un module de contrôle 18 des équipements techniques 19 de la société de service et coopère avec l'unité de paiement 7 pour, d'une part, effectuer le paiement à la société de service 4 des services fournis, et d'autre part, transmettre à ladite société 4, via un deuxième réseau de transmission, des informations relatives auxdits services effectivement fournis. Ladite société de service est une compagnie de distribution d'énergie et/ou d'eau par exemple.This system comprises a terminal 6 for managing monetary transactions and for providing services comprising a payment unit 7 provided with a first reader 8 of a first monetary chip card 9, said payment unit 7 being connected to the establishment banking 2 via a first communication network. The terminal 6 also comprises a module 10 for processing the service information provided by the service company 4. Said processing module 10 communicating bidirectionally with a control module 18 of the technical equipment 19 of the service company and cooperates with the payment unit 7 to, on the one hand, make payment to the service company 4 for the services provided, and on the other hand, transmit to said company 4, via a second transmission network , information relating to said services actually provided. Said service company is an energy and / or water distribution company for example.

Selon un mode préféré de réalisation de l'invention, les modules de traitement 10 et de contrôle 18 comportent chacun des moyens de sécurisation amovibles 20 du type SAM à carte à puce, qui contiennent un programme et un code spécifiques à la société qui fournit les services et peuvent également contenir des paramètres relatifs aux services délivrés tels que par exemple des tarifs ou des limitations. Une horloge 21 permet de dater les événements dans le terminal 6 et dans le module de contrôle 18.According to a preferred embodiment of the invention, the processing 10 and control modules 18 each comprise removable security means 20 of the SAM type with smart card, which contain a program and a code specific to the company which supplies the services and may also contain parameters relating to the services delivered such as for example prices or limitations. A clock 21 makes it possible to date the events in the terminal 6 and in the control module 18.

En outre, le module de traitement 10 comporte une unité de lecture 14 d'une carte à puce 16 destinée à gérer au moins un service fourni par la société de service 4.In addition, the processing module 10 includes a unit 14 for reading a smart card 16 intended to manage at least one service provided by the service company 4.

En fonctionnement, on charge sur la carte à puce 16 dédiée aux informations de services une valeur représentative de la prestation de service autorisée on enregistre dans le terminal 6 les informations préalablement chargées à partir du module de contrôle 18 sur ladite carte à puce 16, et simultanément ou successivement on débite la carte à puce monétaire 9 d'un montant correspondant à la prestation autorisée, puis on transmet les informations monétaires à l'établissement bancaire 2 via un premier réseau et les informations de service, à la société de service 4 via un deuxième réseau. Les informations transmises à la société de service peuvent être la quantité consommée dans le cas de distribution d'énergie, l'état des équipements, l'identité des utilisateurs et d'éventuelles tentatives de fraudes.In operation, a value representative of the authorized service is loaded onto the smart card 16 dedicated to the service information. The information previously loaded from the control module 18 is stored on said smart card 16, and simultaneously or successively, the monetary chip card 9 is debited with an amount corresponding to the authorized service, then the monetary information is transmitted to the banking establishment 2 via a first network and the service information to the service company 4 via a second network. The information transmitted to the service company may be the quantity consumed in the case of energy distribution, the status of equipment, the identity of users and possible fraud attempts.

Le terminal 6 comporte en outre un clavier de commande 22, un écran 23 et une imprimante 24 permettant d'afficher et d'imprimer les caractéristiques techniques et monétaires de la transaction.The terminal 6 further comprises a control keyboard 22, a screen 23 and a printer 24 making it possible to display and print the technical and monetary characteristics of the transaction.

De façon connue en soi, l'établissement bancaire 2, la société de service 4 et le terminal 6 sont équipés de moyens de transmission de données 25. Dans un mode particulier de réalisation de l'invention illustré à la figure 2, l'unité de paiement 7 comporte un lecteur supplémentaire 26 d'une deuxième carte à puces monétaire 28. Ce mode de réalisation est particulièrement adapté au cas où le terminal de gestion 6 est installé chez un commerçant. Dans ce cas, le paiement de la prestation est réalisé en débitant le montant correspondant à partir de la carte 28 du commerçant au moyen du lecteur supplémentaire 26. Le paiement peut également être effectué en espèces auprès du commerçant. La recharge du montant de la prestation se fait alors par débit sur la carte du commerçant.In a manner known per se, the banking establishment 2, the service company 4 and the terminal 6 are equipped with data transmission means 25. In a particular embodiment of the invention illustrated in FIG. 2, the unit 7 payment includes an additional reader 26 of a second monetary chip card 28. This embodiment is particularly suitable for the case where the management terminal 6 is installed at a merchant. In this case, payment for the service is made by debiting the corresponding amount from the merchant's card 28 using the additional reader 26. Payment can also be made in cash to the merchant. The amount of the service is then recharged by debit on the merchant's card.

Le terminal de gestion 6 peut également être installé dans une borne publique.The management terminal 6 can also be installed in a public terminal.

La carte à puce 16 dédiée aux informations techniques relatives aux services peut être spécifique à chaque société de service ou être commune à plusieurs sociétés. Dans ce dernier cas, ladite carte 16 comporte plusieurs zones mémoires indépendantes associées chacune à un code d'accès spécifique à chaque société. Le terminal 6 selon l'invention peut être utilisé dans un système d'autorisation d'accès à une zone ou à un local tel que par exemple un parc pour voiture ou un local d'activités sportives. Il peut également être utilisé pour le contrôle d'un équipement tel que par exemple une machine de distribution automatique de produits consommables ou un appareil mis à la disposition de l'utilisateur par la société de service . The smart card 16 dedicated to technical information relating to services can be specific to each service company or be common to several companies. In the latter case, said card 16 comprises several independent memory zones each associated with an access code specific to each company. The terminal 6 according to the invention can be used in an authorization system for access to an area or to a room such as for example a car park or a room for sports activities. It can also be used to control equipment such as for example an automatic dispensing machine for consumables or a device made available to the user by the service company.

Claims

REVENDICATIONS 1. Terminal (6) de gestion de transactions monétaires et de fourniture de services comportant au moins une unité de paiement (7) munie d'un premier lecteur (8) d'une première carte à puce monétaire (9) , ladite unité de paiement (7) étant reliée à au moins un établissement bancaire (2) via un premier réseau de communication, caractérisé en ce qu'il comporte en outre au moins un module de traitement (10) des informations de services fournis par au moins une société de service1. Terminal (6) for managing monetary transactions and providing services comprising at least one payment unit (7) provided with a first reader (8) with a first monetary chip card (9), said unit payment (7) being connected to at least one banking establishment (2) via a first communication network, characterized in that it also comprises at least one module (10) for processing service information provided by at least one company on duty (4) , ledit module de traitement (10) comportant une unité de lecture (14) d'une deuxième carte à puce (16) dans laquelle on charge une valeur représentative de la prestation de service autorisée, pour débiter, simultanément ou successivement, la carte à puce (9) d'un montant correspondant à ladite prestation autorisée, ledit module (10) communiquant de façon bidirectionnelle avec un module de contrôle (18) des équipements techniques (19) de la société de service (4), et coopérant avec l'unité de paiement (7) pour, d'une part, effectuer le paiement des services fournis, et d'autre part, transmettre à ladite société (4), via un deuxième réseau de transmission, des informations relatives aux services fournis.(4), said processing module (10) comprising a reading unit (14) of a second smart card (16) into which a value representative of the authorized service is loaded, for debiting, simultaneously or successively, the smart card (9) of an amount corresponding to said authorized service, said module (10) communicating bidirectionally with a control module (18) of the technical equipment (19) of the service company (4), and cooperating with the payment unit (7) to, on the one hand, make the payment for the services provided, and on the other hand, transmit to said company (4), via a second transmission network, information relating to the services provided. 2. Terminal selon la revendication 1, caractérisé en ce que le module de traitement (10) et le module de contrôle (18) comportent chacun des moyens de sécurisation amovibles (20) .2. Terminal according to claim 1, characterized in that the processing module (10) and the control module (18) each comprise removable securing means (20). 3. Terminal selon la revendication 2, caractérisé en ce que lesdits moyens de sécurisation amovibles (20) contiennent un programme et un code spécifiques à la société de service (4) . 3. Terminal according to claim 2, characterized in that said removable securing means (20) contain a program and a code specific to the service company (4). 4. Terminal selon l'une des revendications 1 à 3, caractérisé en ce qu'il comporte un clavier (22), un écran (23) et une imprimante (24) destinés à afficher et à imprimer les caractéristiques techniques et monétaires des transactions.4. Terminal according to one of claims 1 to 3, characterized in that it comprises a keyboard (22), a screen (23) and a printer (24) intended to display and print the technical and monetary characteristics of the transactions . 5. Terminal selon la revendication 1, caractérisé en ce que ladite unité de paiement (7) comporte un lecteur supplémentaire (26) d'une deuxième carte à puce monétaire (28) .5. Terminal according to claim 1, characterized in that said payment unit (7) comprises an additional reader (26) of a second monetary chip card (28). 6. Procédé de gestion de transactions entre un établissement bancaire (2) et au moins une société de service (4) , ledit procédé utilisant un terminal (6) conforme à l'une des revendications 1 à 7, caractérisé en ce que l'on charge sur une carte à puce (16) dédiée aux informations de services une valeur représentative de la prestation de service autorisée, et on débite une carte- à puce monétaire (9) d'un montant correspondant au coût de la prestation autorisée, puis on transmet, d'une part via un premier réseau, les informations monétaires à l'établissement bancaire (2), et d'autre part via un deuxième réseau, lesdites informations monétaires et des informations techniques relatives aux services fournis à la société de service (4) .6. Method for managing transactions between a banking establishment (2) and at least one service company (4), said method using a terminal (6) according to one of claims 1 to 7, characterized in that the a value representative of the authorized service is loaded onto a smart card (16) dedicated to the service information, and a monetary smart card (9) is debited with an amount corresponding to the cost of the authorized service, then we transmit, on the one hand via a first network, the monetary information to the banking establishment (2), and on the other hand via a second network, said monetary information and technical information relating to the services provided to the service company (4). 7. Procédé selon la revendication 6, caractérisé en ce que l'on enregistre dans le terminal (6) les informations préalablement chargées à partir du module de contrôle (18) sur la carte à puce (16) .7. Method according to claim 6, characterized in that the information previously loaded from the control module (18) is recorded in the terminal (6) on the chip card (16). 8. Système de gestion d'au moins une transaction entre au moins un établissement bancaire (2) communiquant via un premier réseau de transmission et au moins une société de service (4) communiquant via un deuxième réseau de transmission, caractérisé en ce qu'il comporte un terminal (6) de gestion des transactions monétaires et de services conforme à l'une des revendications 1 à 8 communiquant, d'une part, avec des équipements techniques de la société de service (4) et d'autre part, avec l'établissement bancaire (2).8. Management system for at least one transaction between at least one banking establishment (2) communicating via a first transmission network and to at least one service company (4) communicating via a second transmission network, characterized in that it comprises a terminal (6) for managing monetary transactions and services in accordance with one of claims 1 to 8 communicating, on the one hand, with technical equipment from the service company (4) and on the other hand, with the banking establishment (2). 9. Système selon la revendication 8, caractérisé en ce que ladite société de service (4) est une compagnie de distribution d'énergie et/ou d'eau.9. System according to claim 8, characterized in that said service company (4) is an energy and / or water distribution company. 10. Utilisation d'un terminal conforme à l'une des revendications 1 à 6 pour le contrôle de l'accès à une zone ou à un local .10. Use of a terminal according to one of claims 1 to 6 for controlling access to an area or a room. 11. Utilisation d'un terminal conforme à l'une des revendications 1 à 6 pour le contrôle de l'utilisation d'un équipement. 11. Use of a terminal according to one of claims 1 to 6 for controlling the use of equipment.
PCT/FR2000/000838 1999-04-13 2000-04-04 Terminal method and system for managing monetary transactions and supply of services Ceased WO2000062261A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU36651/00A AU3665100A (en) 1999-04-13 2000-04-04 Terminal method and system for managing monetary transactions and supply of services

Applications Claiming Priority (2)

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FR9904605A FR2792442B1 (en) 1999-04-13 1999-04-13 TERMINAL, METHOD AND SYSTEM FOR MANAGING MONETARY TRANSACTIONS AND PROVIDING SERVICE
FR99/04605 1999-04-13

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AU (1) AU3665100A (en)
FR (1) FR2792442B1 (en)
MA (2) MA25000A1 (en)
OA (1) OA11928A (en)
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WO2003007201A3 (en) * 2001-07-09 2004-02-19 Ask Sa Electronic cash system for an electronic wallet
CN103310536A (en) * 2013-06-03 2013-09-18 安徽富煌和利时科技有限公司 Multifunctional IC card swiping system

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EP0114773A2 (en) 1983-01-20 1984-08-01 Bull S.A. Method and device for authorizing the holder of a portable object, such as a card, access by means of this card, to at least one service delivered by at least one authorizing organisation
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Publication number Priority date Publication date Assignee Title
WO2003007201A3 (en) * 2001-07-09 2004-02-19 Ask Sa Electronic cash system for an electronic wallet
US6959873B2 (en) 2001-07-09 2005-11-01 Ask, S.A. Electronic cash system for an electronic wallet
CN103310536A (en) * 2013-06-03 2013-09-18 安徽富煌和利时科技有限公司 Multifunctional IC card swiping system

Also Published As

Publication number Publication date
FR2792442A1 (en) 2000-10-20
FR2792442B1 (en) 2001-06-29
MA25349A1 (en) 2001-12-31
AU3665100A (en) 2000-11-14
MA25000A1 (en) 2000-07-01
OA11928A (en) 2006-04-12

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