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WO2008000297A1 - Procédé et système d'auto-gestion de transactions monétaires « en différé » - Google Patents

Procédé et système d'auto-gestion de transactions monétaires « en différé » Download PDF

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Publication number
WO2008000297A1
WO2008000297A1 PCT/EP2006/063549 EP2006063549W WO2008000297A1 WO 2008000297 A1 WO2008000297 A1 WO 2008000297A1 EP 2006063549 W EP2006063549 W EP 2006063549W WO 2008000297 A1 WO2008000297 A1 WO 2008000297A1
Authority
WO
WIPO (PCT)
Prior art keywords
cash card
administrator
card
cash
reading
Prior art date
Application number
PCT/EP2006/063549
Other languages
English (en)
Inventor
Sergio Biucchi
Marco Mantovani
Original Assignee
Sergio Biucchi
Marco Mantovani
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 Sergio Biucchi, Marco Mantovani filed Critical Sergio Biucchi
Priority to PCT/EP2006/063549 priority Critical patent/WO2008000297A1/fr
Publication of WO2008000297A1 publication Critical patent/WO2008000297A1/fr

Links

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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems

Definitions

  • the present invention relates to a method and system for self- administrating "off-line" monetary transactions. Description Of The Prior Art
  • the purpose of the present invention is replacing cash in all small-scale transactions, thus covering a wide sector of transactions at numerous commercial operations (bar, newsstand, tobacconist, bakery, grocer's, greengrocer, video store, music stores, stationers, florists, hair stylists, etc.) and / or public agencies.
  • the system according to the invention basically comprises:
  • Cash Card one or more smart cards or chip cards called Cash Card, where an integrated circuit chip with a secret code is placed;
  • the Cash Card is available for the public (customers / users) and may be obtained at banks and / or proposed entities;
  • Administrator Cash Card one or more smart cards or chip cards called Administrator Cash Card, where an integrated circuit chip with a secret code is placed;
  • the Administrator Cash Card is available for commercial operations and public agencies, and may be obtained at banks and / or proposed entities; - one or more reading/writing terminals for crediting the Cash Card and the Administrator Cash Card, set up at banks and / or proposed entities;
  • one or more terminals for Administrator Cash Card debiting or crediting it is a reading/writing/depositing terminal (to current account, conventional savings account or electronic savings account) set up at banks and / or proposed entities.
  • the Administrator Cash Card differs from all other credit cards because it is not a deferred currencies payment, but an income payment; that means it agrees an immediate credit without expenses on amounts and therefore the availability of the sums present on the Card in real time.
  • an income payment that means it agrees an immediate credit without expenses on amounts and therefore the availability of the sums present on the Card in real time.
  • young people not to carry cash in their pockets and so run the risk of losing it or having it stolen at school, at the cinema, at the discotheque, etc.; for the majority of adults, relieving them of the problem of small change and cumbersome wallets; for shopping centres and all retailers, it avoids the danger of thefts and robbery.
  • figures 1 to 5 show embodiments of the "off-line" terminals for reading- debiting the Cash Card and writing/crediting the Administrator Cash Card
  • figures 6 and 7 show embodiments of the Cash Card and the Administrator Cash Card
  • figure 8 shows a reading/writing terminal for crediting the Cash Card and the Administrator Cash Card
  • figure 9 shows a terminal for Administrator Cash Card debiting or crediting
  • figures 10 and 11 show flow charts of the operation of the system of the invention.
  • FIG. 1 a first embodiment shows a Cash Card and Administrator
  • Cash Card reading/writing device 1 as an electronic/computer device (off-line) shaped by a display and a keyboard and ready to the acceptance of the two cards , which may be located inside the commercial centers and/or public agencies.
  • a second embodiment shows a Cash Card and Administrator
  • Cash Card off-line reading/writing terminal 2 as a cash register for commercial uses predisposed with electronic/computer device shaped by a display and a keyboard for the two cards acceptance, already integrated on the inside of the novel cash recorders set up at commercial centres and / or public agencies.
  • electronic/computer device shaped by a display and a keyboard for the two cards acceptance, already integrated on the inside of the novel cash recorders set up at commercial centres and / or public agencies.
  • two kinds of input-output devices are possible.
  • the first one in fig. 3, shows an off-line electronic/computer terminal 3 shaped by a display and a keyboard and ready to the acceptance of the two cards.
  • the second one in fig. 4, represents an off-line electronic/computer terminal 4 called "Touch Pad” or "Touch Screen” ready for the acceptance of the two cards.
  • number 5 represents the Cash Card functional for the computer system of self-administration monetary transaction
  • number 6 represents the Administrator Cash Card necessary for the computer system of self-administration monetary transaction.
  • Administrator Cash Card 6 can be introduced in two suitable slots 1 ', 1" present in the devices 3 and 4, for read/write operations (see also fig. 1).
  • Number 14 represents an embodiment of the part relating to the display and the keyboard and ready for the acceptance of the Cash Card 5 and the Administrator Cash Card 6.
  • Figure 7 shows the view of smart card inside part.
  • Number 9 represents an integrated circuit microchip provided with secret code.
  • Number 10 represents an ultraflat disk drive.
  • Number 11 represents an ultraflat disk drive for fingerprints reading.
  • Number 12 represents an ultraflat battery for the purpose and functioning of the card.
  • Cash Card 5 and Administrator Cash Card 6 chip contain various types of information in electronic format protected by sophisticated security mechanisms.
  • the overall security of the system has been implemented entirely in the
  • the Cash Cards and the Administrator Cash Cards so as to leave all the sensitive information, like personal security codes, amounts of money, etc.... stored in the cards only and not in the other devices of the system.
  • the other parts of the software in the devices carry out other functions, such as transmission of messages with information generated in the smart cards. This way any attempt to violate the security of the system by cracking of the devices does not have any negative effect on the security of the overall system, and it is not possible to get any useful information for analyzing the contents of the smart cards.
  • the Cash Cards and the Administrator Cash Cards have a security level according to standard FIPS 140-1 Level 2.
  • Every card has both symmetrical and asymmetrical personalized keys: the symmetrical keys are 16-bit 3DES keys; the asymmetrical keys are 1024-bit RSA keys.
  • a digital signature system is implemented to control theatity of the keys.
  • the Cash Card is structured as follows:
  • the Cash Card 5 (which can be sold / distributed to the public by banks and / or other proposed company) offers the possibility of "reading / writing" and has the peculiarity of containing a monetary amount that can be credited or debited.
  • the card is inserted into a suitable self-service facility (set up in front of banks and / or proposed businesses, see for example fig. 8); the personal code is entered; the card is loaded by inserting banknotes or coins into the workstation, currently euros or other currency; otherwise the card is loaded with the self-service workstation up by getting funds from own current account and/or electronic savings passbook through a telematic connection with closed- circuit - Intranet (N. B.: it is previewed the loading of Cash Card through an appropriate internet-modem workstation connected to the computer at home and to own bank by the Home Banking and therefore with own current account and/or electronic savings passbook); one is then provided with a print-out receipt showing the balance on the card.
  • a suitable self-service facility set up in front of banks and / or proposed businesses, see for example fig. 8
  • the personal code is entered
  • the card is loaded by inserting banknotes or coins into the workstation, currently euros or other currency
  • the card is loaded with the self-service workstation up by getting funds
  • the card is inserted into the slot of the appropriate reading/writing device provided in the business operator's kit together with the Administrator Cash Card., which has already been placed by the business operator inside the device; the "personal code" is entered and, without any telematic connection, the amount indicated on the receipt issued by the cash recorder is debited from the Cash Card and is credited to the administrator Cash Card of the business operator (this also has an identification code) previously inserted into another slot of the same reading/writing device.
  • the present invention also permits to provide a cash recorder already supplied with a Cash Card reading/debiting device or an Administrator Cash Card writing and crediting device inside.
  • the Administrator Cash Card 6 provided in the kit to the operator of the commercial activity and / or the public agency (for example, the post office, enel (Italian National Electrical Energy Agency), gas and water, railways and buses, municipal offices, etc.) together with the Cash Card reading/writing device. (N. B. with reference to its use in public agencies, the Administrator Cash Card could prevent any attempt at robbery / theft, because it replace cash).
  • the public agency for example, the post office, enel (Italian National Electrical Energy Agency), gas and water, railways and buses, municipal offices, etc.
  • the particular feature of the administrator Cash Card is that of containing a monetary value that can be credited, debited or "deposited".
  • - Crediting the Administrator Cash Card of the operator of the business activity and / or the manager of the public agency is instantaneously credited (using the suitable reading/writing device) with the amount charged by the customer / user holding the Cash Card (see figures 1 and 2).
  • the Administrator Cash Card can normally be "loaded” by the merchant by means of the aforementioned self-service devices capable of Cash Card functions.
  • Debiting the Administrator Cash Card can also be used by the merchant to make their own purchases.
  • the operator of the business activity and / or the manager of the public office can at any time (daily, weekly or monthly) go to a bank and / or an authorized entity for depositing in whole or in part the monetary content of his Administrator Cash Card to a current account, a conventional savings account or an electronic savings account (said latter can also be administered using a suitable Cash Card).
  • the bank and / or the financial institution must, of course, be equipped with an interactive Cash Card terminal (see figure 9) capable to read the amount contained in the Administrator Cash Card, to debit it (in whole or in part) and to credit it to the account indicated by the holder of the administrator Cash Card.
  • an interactive Cash Card terminal see figure 9
  • FIG 9 With reference to the annexed flow-charts of figures 10 and 11 , two kinds of operations are represented, for the system subject of the invention.
  • FIG 10 the sequence of steps for operation of the "OFF-LINE" DEVICE (for commercial enterprises, private or public offices etc.) is shown.
  • the Administrator Cash Card is inserted in an off-line terminal like for example that of figures 1 or 2 (step 21), then at 22 the
  • Cash Card to the Administrator Cash Card is input in the keyboard or touchscreen of the off-line terminal.
  • the terminal checks Cash Card amount availability. If the amount is available, namely the transaction is allowed (37), then go to 36, else go back to C, namely to A.
  • the terminal receives the consent to carry out the transaction from the user.
  • the terminal checks if the customer has given the consent. If YES then go to 38, else go back to C and tehn to A.
  • a terminal is activated (cash-point, ATM, home banking)
  • a card is inserted, which may be a Cash Card or an Administrator Cash Card.
  • the terminal receives the consent to carry out the transaction from the user.
  • the machine checks if the customer has given the consent. If YES then go to 53, else go to 54 (END). At 53 the transaction enquiry is carried out, then the transaction is terminated
  • the present invention can be advantageously implemented through a program for computer comprising program coding means for the implementation of one or more steps of the method, when this program is running on a computer. Therefore, it is understood that the scope of protection is extended to such a program for computer and in addition to a computer readable means having a recorded message therein, said computer readable means comprising program coding means for the implementation of one or more steps of the method, when this program is run on a computer.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Le système de l'invention comporte essentiellement : une ou plusieurs cartes à puce dénommées Cartes bancaires, dans lesquelles est placée une puce de circuit intégré avec un code secret ; la Carte Bancaire est disponible pour le public (clients/utilisateurs) et peut être obtenue auprès de banques et/ou d'entités proposées ; une ou plusieurs cartes à puce dénommées Cartes bancaires d'administrateur, dans lesquelles est placée une puce de circuit intégré avec un code secret ; la Carte bancaire d'administrateur est disponible pour des opérations commerciales et des organismes publics, et peut être obtenue auprès de banques et/ou d'entités proposées ; un ou plusieurs terminaux de lecture/écriture pour créditer la Carte bancaire et la Carte bancaire d'administrateur, disposés au niveau des banques et/ou des entités proposées ; un ou plusieurs terminaux « en différé » pour lire/débiter la Carte bancaire et pour lire/créditer la Carte bancaire d'administrateur, placés dans chaque entreprise commerciale, agence privée ou publique, etc. Ce genre de dispositifs n'est connecté à aucun système bancaire ; un ou plusieurs terminaux pour débiter ou créditer la Carte bancaire d'administrateur : il s'agit d'un terminal de lecture/écriture/dépôt (d'un compte courant, d'un compte d'épargne conventionnel ou d'un compte d'épargne électronique) installé au niveau des banques et/ou des entités proposées.
PCT/EP2006/063549 2006-06-26 2006-06-26 Procédé et système d'auto-gestion de transactions monétaires « en différé » WO2008000297A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/EP2006/063549 WO2008000297A1 (fr) 2006-06-26 2006-06-26 Procédé et système d'auto-gestion de transactions monétaires « en différé »

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/EP2006/063549 WO2008000297A1 (fr) 2006-06-26 2006-06-26 Procédé et système d'auto-gestion de transactions monétaires « en différé »

Publications (1)

Publication Number Publication Date
WO2008000297A1 true WO2008000297A1 (fr) 2008-01-03

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/EP2006/063549 WO2008000297A1 (fr) 2006-06-26 2006-06-26 Procédé et système d'auto-gestion de transactions monétaires « en différé »

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2011026854A1 (fr) * 2009-09-03 2011-03-10 Giesecke & Devrient Gmbh Procédé et dispositif d'activation d'un support de données portatif

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1981002070A1 (fr) * 1980-01-03 1981-07-23 W Benton Systeme modulaire de transfert de fonds
EP0421808A2 (fr) * 1989-10-06 1991-04-10 André Peter Mansvelt Système de transfert de fonds
EP0518808A2 (fr) * 1991-06-05 1992-12-16 Ascom Autelca Ag Machine automatique d'encaissement
GB2282683A (en) * 1993-09-08 1995-04-12 Gen Information Systems Ltd Exchange of data between portable data storage devices
EP0778550A2 (fr) * 1995-12-08 1997-06-11 Hitachi, Ltd. Dispositif contenant de la monnaie électronique

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1981002070A1 (fr) * 1980-01-03 1981-07-23 W Benton Systeme modulaire de transfert de fonds
EP0421808A2 (fr) * 1989-10-06 1991-04-10 André Peter Mansvelt Système de transfert de fonds
EP0518808A2 (fr) * 1991-06-05 1992-12-16 Ascom Autelca Ag Machine automatique d'encaissement
GB2282683A (en) * 1993-09-08 1995-04-12 Gen Information Systems Ltd Exchange of data between portable data storage devices
EP0778550A2 (fr) * 1995-12-08 1997-06-11 Hitachi, Ltd. Dispositif contenant de la monnaie électronique

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2011026854A1 (fr) * 2009-09-03 2011-03-10 Giesecke & Devrient Gmbh Procédé et dispositif d'activation d'un support de données portatif
US9411981B2 (en) 2009-09-03 2016-08-09 Giesecke & Devrient Method and system for activating a portable data carrier

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