公开(公告)号：EP2022016A1

公开(公告)日：2009-02-11

申请号：EP07730593.6

申请日：2007-05-09

申请人： TeliaSonera Finland Oyj

发明人： MARKKULA, Pekka ,  JURVANEN, Tuukka ,  STRÖMBERG, Dan-Anders

IPC分类号： G07F7/10 ,  G06F17/00

CPC分类号： G07F7/02 ,  G06Q20/32 ,  G06Q20/3278 ,  G06Q20/3437 ,  G06Q20/352 ,  G06Q20/363 ,  G07F7/0866 ,  G07F7/0893

摘要： The invention relates to a method and a system for loading value to a smartcard that is arranged to function in a telecommunications system. The telecommunications system comprises an order system provided or maintained, for example, by a first service provider, such as a telecommunications operator. The order system is linked to a mobile communications system in such a way that it is possible to transfer messages from the order system to the mobile communications system and especially to a mobile terminal equipment connected thereto. The mobile terminal equipment comprises a smartcard and an NFC interface communicating with the smartcard. Further, the system comprises a card reader provided with an NFC interface. In the method, a voucher is created in the order system and transferred to the mobile terminal equipment. According to the invention, the voucher is transferred to the card reader via the NFC interface. The voucher is verified with the card reader and transformed into a smartcard value file. The value file is saved on the smartcard.

公开(公告)号：EP1333405A4

公开(公告)日：2007-03-28

申请号：EP01972560

申请日：2001-09-28

申请人： AISIN SEIKI ,  TOYOTA MOTOR CO LTD

发明人： AOKI YASUYUKI ,  KAKIHARA MASAKI

IPC分类号： G06K17/00 ,  G06Q10/00 ,  G07B15/06 ,  G07C5/00 ,  G07F7/00 ,  G07F7/02 ,  G07F7/08 ,  G08G1/123 ,  G07B15/00 ,  G06F17/00 ,  G06F17/60 ,  G06K19/00

CPC分类号： G07B15/063 ,  G06K2017/0096 ,  G06Q10/08 ,  G06Q20/127 ,  G06Q20/3437 ,  G06Q20/363 ,  G06Q40/12 ,  G07B15/06 ,  G07C5/008 ,  G07F7/02 ,  G07F7/0866 ,  G07F17/0014 ,  G07F17/0042 ,  G08G1/20

摘要： An on-vehicle automatic accounting device (10) acquires own-position information using GPS signals from GPS satellites (51-53), judges whether or not chargeable conditions are satisfied based on the position information, deducts, when satisfied, a charge amount determined by computing from an inserted prepaid card, and writes information used for charge amount computing into the prepaid card as an accounting history. A card issuing machine (20) reads, when this prepaid card is inserted to increase the balance, the written accounting history for transmission to a center computer (30). The center computer (30) distributes charge amounts to administration companies based on an accounting history.

公开(公告)号：EP0911762B1

公开(公告)日：2006-07-05

申请号：EP98308561.4

申请日：1998-10-20

申请人： Hitachi, Ltd.

发明人： Kikuchi, Yoshinori

IPC分类号： G07B15/00 ,  G07B15/02

CPC分类号： G07F7/02 ,  G06Q20/3437 ,  G06Q30/0284 ,  G06Q50/06 ,  G07B15/00 ,  G07F7/0866

公开(公告)号：EP1575003A1

公开(公告)日：2005-09-14

申请号：EP05101841.4

申请日：2005-03-09

申请人： PROTON WORLD INTERNATIONAL N.V.

发明人： VIDAL, Jérôme

IPC分类号： G07F7/02

CPC分类号： G07F7/02 ,  G06Q20/105 ,  G06Q20/3437 ,  G06Q30/0215

摘要： L'invention concerne un procédé et système de mise à jour d'un compteur (2) d'un élément électronique dans lequel sont mémorisés des enregistrements (6) contenant chacun au moins une valeur individuelle (U-VAL) et au moins une donnée de tri (EXP), consistant à : transférer dans une mémoire (11) d'un lecteur, un compte initial (INIT) du compteur et lesdits enregistrements ; calculer côté lecteur un compte intermédiaire (INTER) égal au minimum du compte initial et de la somme des valeurs individuelles des enregistrements dont la donnée de tri est comprise dans une plage connue du lecteur ; et transférer, dans le compteur de l'élément électronique, un nombre fonction du compte intermédiaire.

摘要翻译： 本发明涉及一种用于更新其中存储了记录（6）的电子元件的计数器（2）的方法和系统，每个记录包含至少一个单独值（U-VAL）和至少一个数据项。 （EXP），包括：将计数器的初始计数（INIT）和所述记录传送到读取器的存储器（11）; 在读取器侧计算等于最初计数的最小值的中间账户（INTER）和其分类数据落入读者的已知范围内的记录的各个值的总和; 并且在电子元件的计数器中传送中间账户的功能号码。

公开(公告)号：EP0993645A4

公开(公告)日：2004-11-17

申请号：EP98932992

申请日：1998-07-02

申请人： CITICORP DEV CT

发明人： HOROWITZ EDWARD ,  KAWAN JOSEPH C ,  LICHSTEIN HENRY

IPC分类号： G06Q20/00 ,  G06Q20/04 ,  G06Q20/26 ,  G06Q20/34 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q20/40 ,  G07F7/02 ,  G07F7/08 ,  G07F7/10 ,  G06K1/18

CPC分类号： G07F7/1008 ,  G06Q20/04 ,  G06Q20/26 ,  G06Q20/341 ,  G06Q20/3437 ,  G06Q20/357 ,  G06Q20/3572 ,  G06Q20/363 ,  G06Q20/382 ,  G06Q20/4037 ,  G07F7/02 ,  G07F7/08 ,  G07F7/0886 ,  G07F11/002

摘要： The present invention discloses a system and method enabling value stored in an advanced technology memory on a transaction card (32) to be utilized in a magnetic stripe (42) transaction with the card. The invention provides a special transaction number (10) that is encrypted and recorded on the magnetic stripe of the card (42). The special transaction number may comprise the value to be transferred or transaction amount, a personal identification number (PIN), as well as other pertinent information. The special transaction number may be recorded in a discretionary data field (12), non-discretionary data field, or in a combination of both. Further, an indicator character may also be recorded on the magnetic stripe to alert a host system of a financial institution of the existence of the special transaction number. The present invention provides a number of techniques for encrypting the special transaction number. These techniques comprise using the security of the advanced technology memory, such as an integrated circuit memory, an optical memory and a thin film semi-conductor memory, to provide a public key/private key system and a synchronized clock system. Additionally, the special transaction number may be provided in an industry standard format, or in additional formats including binary and hexadecimal codes. Thus, the special transaction number is read during a magnetic stripe transaction and the value represented by the special transaction number may be utilized to perform the transaction.

公开(公告)号：EP1415285A2

公开(公告)日：2004-05-06

申请号：EP02767245.0

申请日：2002-07-22

申请人： Giesecke & Devrient GmbH

发明人： VU, Duc, Tai ,  PHO DUC, Christian ,  SCHEYBANI, Tschangiz

IPC分类号： G07F19/00

CPC分类号： G06Q30/06 ,  G06Q20/04 ,  G06Q20/12 ,  G06Q20/3437 ,  G06Q30/0613 ,  G07F17/0021

摘要： The invention relates to a method for paying for a service provided by means of a data network (20) on presentation of a transaction medium (2). The service is ordered by a user (1) by means of a user end system (10), from a service provider (40). Said service provider activates a processing centre (30) which enters into a data exchange with the transaction medium (2), in order to request the amount corresponding to the payment which is pre-defined for the provision of the service, said amount being in the form of defined data. The order process and the data exchange with the transaction medium (2) for the request for payment are associated by means of an identifier (KM) which is allocated to the transaction medium (2), said identifier being determined by the user end system (10) and being used to respectively secure the order process and the request for payment.

公开(公告)号：EP1367521A2

公开(公告)日：2003-12-03

申请号：EP03017650.7

申请日：1994-10-14

申请人： VISA INTERNATIONAL SERVICE ASSOCIATION

发明人： Levine, Jack ,  Brandt, Priscilla C. ,  Jackson, Nydia ,  Johnson, David L. ,  Clark, Helen

IPC分类号： G06F17/60

CPC分类号： G07F7/02 ,  G06Q20/04 ,  G06Q20/18 ,  G06Q20/342 ,  G06Q20/3437 ,  G06Q20/3558 ,  G07F7/025 ,  G07F7/1008

摘要： A magnetic stripe card (10) with an encoded card number including a bank identification number (14) and an account number (16) is issued to a customer with a value selectable by the customer. The central card processor (66) establishes a zero balance database including the card numbers (17), but with blank fields for the customer data and the value of the account (78). When a customer purchases a card, the sales agent (40) transmits to the central database computer (45) which fills in the blanks in the database (46), activating the account, and transmits an acknowledgement. The card can be immediately used in ATM (50) or other remote terminals to acquire cash or purchase goods and services. The customer inputs a PIN number which is provided with the card, or an alternative PIN number selected by the customer.

摘要翻译： 具有包含银行识别号码（14）和帐号（16）的具有编码卡号的磁条卡（10）被发布给具有客户可选择的值的客户。 中央卡处理器（66）建立包括卡号（17）的零余额数据库，但是存在客户数据的空白字段和​​帐户的值（78）。 当客户购买卡时，销售代理（40）向中央数据库计算机（45）传送其填充数据库（46）中的空白，激活该账号并发送确认。 该卡可以立即用于ATM（50）或其他远程终端以获取现金或购买商品和服务。 客户输入该卡提供的PIN号码或客户选择的备用PIN号码。

公开(公告)号：EP1191489A2

公开(公告)日：2002-03-27

申请号：EP01122496.1

申请日：2001-09-20

申请人： O.T.R. S.r.l.

发明人： Rigo, Fabrizio

IPC分类号： G07D5/00

CPC分类号： G07F7/02 ,  G06Q20/3437 ,  G07D5/00

摘要： A universal device for identification of predetermined coins (M), transponders (T) and/or electronic credit storing means (O) includes a box-like case (1) featuring, on its outer surface, a first rectangular slot (11) for introduction of coins (M) and transponders (T), and a second rectangular slot (13) for ejection of coins (M) and transponders (T). The case (1) defines in its inside a sliding channel (15) and a discharge channel (151), which are situated in series and extend downwards from the first slot (11) to the second slot (13). The case (1) includes also a control unit (17) connected to sensor means (161) situated on lateral walls of the sliding channel (15) near the first slot (11) for detecting the introduction of the predetermined coins (M) or the identification code of the transponders (T). The control unit (17) is also connected to electronic data reading/writing sensor (171), which read the remaining credit in said transponders (T) and which are situated on the lateral walls of the sliding channel (15) downstream of the sensor means (161). The electronic data reading/writing sensor means (171) are controlled by the control unit (17) to read/write the credit value remaining in the electronic credit storing means (O), previously introduced in the first slot (11) until they have reached the area of the electronic data reading/writing sensor (171). The electronic credit storing means (O) can be withdrawn from the first slot (11) in step relation with an enabling signal received from the control unit (17).

摘要翻译： 为预定硬币（M），应答器（T）和/或电子信用存储装置（O）的标识的通用装置包括盒状壳体（1），具有，在其外表面上，第一矩形槽（11），用于 导入硬币的（M）和应答器（T），以及用于硬币（M）和应答器（T）的喷出第二矩形狭槽（13）。 的情况下（1）在其定义的滑动通道（15）和排出通道（151），其位于系列和从所述第一狭槽（11）到所述第二狭槽（13）向下延伸的内部。 因此，该情况下，（1）包括连接到传感器装置的控制单元（17），（161）位于所述第一槽（11）邻近所述滑动通道（15）的侧壁上，用于检测引入预定硬币的（M）或 所述应答器（T）的识别码。 其中在所述应答器（T）读出的剩余的信用和其中控制单元（17），以便连接到电子数据读取/写入传感器（171）位于所述滑动通道的传感器的下游侧的侧壁（15）上 装置（161）。 电子数据读/写传感器装置（171）由控制单元（17）读/写残留在电子信用存储装置中的信用值（O）中，直到所述全心全意第一狭槽（11）先前介绍控制 达成的电子数据读/写传感器（171）的面积。 电子信用存储装置（O）可以从在步骤关于第一槽（11）中取出与来自控制单元（17）接收到的使能信号。

公开(公告)号：EP1168807A2

公开(公告)日：2002-01-02

申请号：EP00308025.6

申请日：2000-09-15

申请人： Kwon, Hwang-Sub

发明人： Kwon, Hwang-Sub

IPC分类号： H04M17/02 ,  G07F7/10

CPC分类号： G07F7/02 ,  G06Q20/3437 ,  G07F5/24 ,  H04M17/02 ,  H04M17/103 ,  H04M17/106 ,  H04M2017/12 ,  H04M2017/14

摘要： A public telephone with a cash payment function is connected to a server of a banking agency through a telephone network and verifies whether a credit card inserted by a user is valid and, as a result of the verification, provides an amount of money required by the user form a currency cassette. Therefore, an inexpensive telephone network is used instead of an exclusive line, reducing operational costs.

摘要翻译： 具有现金支付功能的公用电话通过电话网络连接到银行代理的服务器，并验证用户插入的信用卡是否有效，并且作为验证的结果，提供了所需的金额 用户形成货币盒式磁带。 因此，使用廉价的电话网络来代替专用线路，从而降低运营成本。

公开(公告)号：EP1012797B1

公开(公告)日：2001-08-22

申请号：EP98917298.6

申请日：1998-04-03

申请人： GEMPLUS

发明人： METHLOUTI, Mounji

IPC分类号： G07F7/02

CPC分类号： G07F7/02 ,  G06Q20/3437 ,  G06Q20/387 ,  G07F7/0866

摘要： The integrated circuit card (1) proposed by the invention is intended to facilitate the calculation of bonus points by having the card reader send the card an identity (I1) during a transaction. This identity allows the card to recognize (12) the type of service supplier or vendor in each case, and to implement a set of rules unique (5, 11) to this supplier or vendor or, in the absence of such rules, to use standard rules set by the issuer of the card. These rules calculate the bonus points specific to the supplier in question. The bonus points are then cumulated in a counter also reserved exclusively for the same supplier.