WO1997046986A1 - Portable electronic transaction terminal, in particular portable payment terminal - Google Patents

Portable electronic transaction terminal, in particular portable payment terminal Download PDF

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Publication number
WO1997046986A1
WO1997046986A1 PCT/FR1997/000992 FR9700992W WO9746986A1 WO 1997046986 A1 WO1997046986 A1 WO 1997046986A1 FR 9700992 W FR9700992 W FR 9700992W WO 9746986 A1 WO9746986 A1 WO 9746986A1
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WO
WIPO (PCT)
Prior art keywords
terminal
electronic transaction
portable electronic
portable
payment terminal
Prior art date
Application number
PCT/FR1997/000992
Other languages
French (fr)
Inventor
Philippe Daury
Original Assignee
Ckd (S.A.)
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 Ckd (S.A.) filed Critical Ckd (S.A.)
Priority to EP97927237A priority Critical patent/EP0951703A1/en
Publication of WO1997046986A1 publication Critical patent/WO1997046986A1/en

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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; 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • 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
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems

Definitions

  • the present invention relates to a portable electronic transaction terminal, in particular portable payment terminal, comprising a memory card reader, a computer for controlling the procedures for controlling the card, authenticating the user and transaction with a center.
  • remote server thus believes remote connection means.
  • terminals comprising short-range HF link means making it possible to transmit data between the terminal and a dedicated local relay connected to the switched telephone network are known.
  • An example of such a terminal is disclosed by European patent application EP484198.
  • terminals are described, each comprising means for entering transaction data, a wireless communication interface with a remote central station and with electronic initialization and means arranged, during the transaction, to communicate with the central station.
  • These terminals allow certain professionals and traders not to require their customers to travel to enter their confidential code.
  • This solution consists simply of replacing the wired link with a remote link. It requires the installation of a special installation, and confines the use to a small area of use.
  • the object of the present invention is to provide a device avoiding this drawback, and moreover making it possible to reduce the cost, the weight and the bulk, and to improve the ergonomics.
  • the invention also aims to improve ergonomics by advanced automation of tasks and the possibility of controlling in a programmed manner the interactive and automatic sequence of electronic payment functions and telecommunications functions.
  • the invention relates to a terminal in which the connection means are constituted by a cellular telephone circuit incorporated in the housing of said terminal, and the data entry means of which and the display means are common to electronic payment functions and telecommunication functions.
  • the terminal comprises a screen manager circuit receiving the digital signals originating on the one hand from the cellular telephone circuit and on the other hand from the computer assigned to executing the transaction programs.
  • the terminal according to the invention comprises a common electrical supply for all of the circuits.
  • the terminal includes a storage circuit containing the information relating to the communication protocols. electronic transactions executed by the computer and information relating to the connection to the servers operated by the cellular telephone circuit.
  • the terminal further includes a second card reader.
  • Figure 1 shows a schematic view of a terminal according to the invention
  • Figure 2 shows a view of an exemplary block diagram
  • Figure 1 shows a schematic view of a terminal according to the invention. It is made up of a single box (1) having a liquid crystal display screen (2) and a numeric or alphanumeric keyboard (3).
  • the housing has two slots (4, 5) for the insertion of memory cards.
  • the housing is surmounted by an antenna (6).
  • FIG. 2 shows a block diagram of such a terminal.
  • the electronic circuit comprises a cellular telephone circuit (7) of known type and a computer (8) for the execution of the transaction functions.
  • the two circuits are supplied by a common source of electricity (9), for example a Lithium Ion battery.
  • the circuit further comprises a common memory (10) and a common display screen (2).
  • the computer (8) is connected to two memory card readers (11, 12).
  • the memory (10) can contain the information relating to the protocol for connection to a server.
  • the user can enter the information relating to a transaction using the keyboard (3).
  • the computer activates the connection via the cellular telephone circuit (7).
  • the data relating to the connection for example the telephone number of the server, are stored in the memory (10).
  • the data received by the cellular telephone circuit (7) is transmitted to the computer (8) for the continuation of the transaction.
  • the second reader can be used for different purposes. According to an operating mode, the second reader
  • (12) is a reader intended to receive the identification card of the device from the telecommunications operator.
  • the integration of electronic payment and telecommunication functions makes it possible to unify the identification and authorization protocols of the user and to avoid any risk of error or fraud due to divergence between the identity of the user such as referenced with the telecommunications operator, and the identity of the user as referenced with the banking or financial organization.
  • the second reader (12) thus serves to completely personalize the device by the use of a single card, property of a user.
  • the second reader can also be intended to receive cards such as the "merchant” card for electronic payment systems, or “doctor” cards for operating systems of the health card.
  • the invention is described in the foregoing by way of nonlimiting example.

Abstract

The invention discloses a portable electronic transaction terminal, in particular a portable payment terminal, comprising a memory card reader (4, 5), a computer (8) for controlling the procedures for card control, user authentication and transaction with a remote server center, as well as remote linking means. The linking means comprise a cellular telephone circuit (7) incorporated in the said terminal housing (1), and the data acquisition means (3) as well as the display means (2) are common to the monetary function and to the telecommunication functions.

Description

TERMINAL DE TRANSACTION ELECTRONIQUE PORTABLE, NOTAMMENT TERMINAL DE PAIEMENT PORTABLE. PORTABLE ELECTRONIC TRANSACTION TERMINAL, ESPECIALLY PORTABLE PAYMENT TERMINAL.
La présente invention concerne un terminal de transaction électronique portable, notamment terminal de paiement portable, comportant un lecteur de carte à mémoire, un calculateur pour commander les procédures de contrôle de la carte, d'authentification de l'utilisateur et de transaction avec un centre serveur distant, ainsi crue des moyens de liaison à distance.The present invention relates to a portable electronic transaction terminal, in particular portable payment terminal, comprising a memory card reader, a computer for controlling the procedures for controlling the card, authenticating the user and transaction with a center. remote server, thus believes remote connection means.
On connaît dans l'état de la technique des terminaux comportant des moyens de liaison H.F. de faible portée permettant d'assurer la transmission des données entre le terminal et un relais local dédié relié au réseau téléphonique commuté. Un exemple d'un tel terminal est divulgué par la demande de brevet européen EP484198. Dans ce document, on décrit des terminaux comportant, chacun, des moyens de saisie de données de transaction, une interface de communication sans fil avec un poste central distant et à initialisation électronique et des moyens agencés pour, en cours de transaction, communiquer avec le poste central. Ces terminaux permettent à certains professionnels et commerçants de ne pas exiger de leurs clients qu'ils se déplacent pour saisir leur code confidentiel . Cette solution consiste simplement remplacer la liaison filaire par une liaison à distance. Elle nécessite la mise en place d'une installation spéciale, et cantonne l'utilisation à une faible zone d'utilisation. On a également proposé d'exploiter la sortie numérique d'un téléphone cellulaire pour raccorder un équipement péri-informatique, par exemple par l'intermédiaire d'une carte PCMCIA. L'un des inconvénients de ces solutions est la consommation électrique globale préjudiciable pour un équipement à vocation portable. Un autre inconvénient important concerne Ja fiabilité et la facilité d'utilisation des équipements. Dans le cas d'équipements complémentaires, il est nécessaire de raccorder les deux appareillages par des cordons de liaison, ce qui introduit inévitablement un risque de déconnexion. Cela réduit aussi l'agrément d'utilisation, tant pour le transport que pour l'exploitation.In the state of the art, terminals comprising short-range HF link means making it possible to transmit data between the terminal and a dedicated local relay connected to the switched telephone network are known. An example of such a terminal is disclosed by European patent application EP484198. In this document, terminals are described, each comprising means for entering transaction data, a wireless communication interface with a remote central station and with electronic initialization and means arranged, during the transaction, to communicate with the central station. These terminals allow certain professionals and traders not to require their customers to travel to enter their confidential code. This solution consists simply of replacing the wired link with a remote link. It requires the installation of a special installation, and confines the use to a small area of use. It has also been proposed to use the digital output of a cell phone to connect peri-computer equipment, for example by means of a PCMCIA card. One of the drawbacks of these solutions is the overall detrimental electrical consumption for an equipment with portable vocation. Another important drawback concerns the reliability and the ease of use of the equipment. In the case of additional equipment, it is necessary to connect the two devices with connecting cords, which inevitably introduces a risk of disconnection. This also reduces user comfort, both for transport and for operation.
L'objet de la présente invention est de proposer un dispositif évitant cet inconvénient, et permettant par ailleurs de réduire le coût, le poids et l'encombrement, et d'améliorer l'ergonomie. L'invention vise en outre à améliorer l'ergonomie par une automatisation poussée de tâches et la possibilité de commander de manière programmée l'enchaînement interactif et automatique des fonctions monétiques et des fonctions télécommunications.The object of the present invention is to provide a device avoiding this drawback, and moreover making it possible to reduce the cost, the weight and the bulk, and to improve the ergonomics. The invention also aims to improve ergonomics by advanced automation of tasks and the possibility of controlling in a programmed manner the interactive and automatic sequence of electronic payment functions and telecommunications functions.
L'invention concerne à cet effet un terminal dans lequel les moyens de liaison sont constitués par un circuit de téléphonie cellulaire incorporé dans le boîtier dudit terminal, et dont les moyens de saisie de données ainsi que les moyens d'affichage sont communs aux fonctions monétiques et aux fonctions de télécommunication. Avantageusement, le terminal comporte un circuit gestionnaire d'écran recevant les signaux numériques provenant d'une part du circuit de téléphonie cellulaire et d'autre part du calculateur affecté à 1 ' exécution des programmes de transactions . De préférence, le terminal selon l'invention comporte une alimentation électrique commune pour l'ensemble des circuits.To this end, the invention relates to a terminal in which the connection means are constituted by a cellular telephone circuit incorporated in the housing of said terminal, and the data entry means of which and the display means are common to electronic payment functions and telecommunication functions. Advantageously, the terminal comprises a screen manager circuit receiving the digital signals originating on the one hand from the cellular telephone circuit and on the other hand from the computer assigned to executing the transaction programs. Preferably, the terminal according to the invention comprises a common electrical supply for all of the circuits.
Selon un mode de réalisation avantageux, le terminal comporte un circuit de mémorisation contenant les informations relatives aux protocoles de transactions électroniques exécutés par le calculateur et les informations relatives à la connexion aux serveurs exploités par le circuit de téléphonie cellulaire. Selon une variante, le terminal comporte en outre un second lecteur de carte.According to an advantageous embodiment, the terminal includes a storage circuit containing the information relating to the communication protocols. electronic transactions executed by the computer and information relating to the connection to the servers operated by the cellular telephone circuit. Alternatively, the terminal further includes a second card reader.
L'invention sera mieux comprise à la lecture de la description qui suit, faisant référence aux figures annexées relatives à des exemples non limitatifs de réalisation où :The invention will be better understood on reading the description which follows, referring to the appended figures relating to nonlimiting exemplary embodiments where:
- la figure 1 représente une vue schématique d'un terminal selon l'invention ; la figure 2 représente une vue d'un exemple de schéma de principe. La figure 1 représente une vue schématique d'un terminal selon l'invention. Il est composé par un boîtier unique (1) présentant un écran d'affichage (2) à cristaux liquides et un clavier numérique ou alphanumérique (3) . Le boîtier présente deux fentes (4, 5) pour l'introduction de cartes à mémoire. Le boîtier est surmonté par une antenne (6) .- Figure 1 shows a schematic view of a terminal according to the invention; Figure 2 shows a view of an exemplary block diagram. Figure 1 shows a schematic view of a terminal according to the invention. It is made up of a single box (1) having a liquid crystal display screen (2) and a numeric or alphanumeric keyboard (3). The housing has two slots (4, 5) for the insertion of memory cards. The housing is surmounted by an antenna (6).
La figure 2 représente un schéma de principe d'un tel terminal. Le circuit électronique comporte un circuit de téléphonie cellulaire (7) de type connu et un calculateur (8) pour l'exécution des fonctions de transaction. Les deux circuits sont alimentés par une source d'électricité commune (9), par exemple une batterie Lithium Ion. Le circuit comprend en outre une mémoire commune (10) et un écran d'affichage (2) commun. Le calculateur (8) est relié à deux lecteurs de cartes à mémoire (11, 12) .Figure 2 shows a block diagram of such a terminal. The electronic circuit comprises a cellular telephone circuit (7) of known type and a computer (8) for the execution of the transaction functions. The two circuits are supplied by a common source of electricity (9), for example a Lithium Ion battery. The circuit further comprises a common memory (10) and a common display screen (2). The computer (8) is connected to two memory card readers (11, 12).
La mémoire (10) peut contenir les informations relatives au protocole de connexion à un serveur. L'utilisateur peut saisir les informations relatives à une transaction à l'aide du clavier (3) . Lorsque le protocole de transaction nécessite une liaison avec le serveur, le calculateur active la connexion par 1 ' intermédiaire du circuit de téléphonie cellulaire (7) . Les données relatives à la connexion, par exemple le numéro de téléphone du serveur, sont mémorisés dans la mémoire (10) . Les données reçues par le circuit de téléphonie cellulaire (7) sont transmises au calculateur (8) pour la poursuite de la transaction.The memory (10) can contain the information relating to the protocol for connection to a server. The user can enter the information relating to a transaction using the keyboard (3). When the transaction protocol requires a connection with the server, the computer activates the connection via the cellular telephone circuit (7). The data relating to the connection, for example the telephone number of the server, are stored in the memory (10). The data received by the cellular telephone circuit (7) is transmitted to the computer (8) for the continuation of the transaction.
Le deuxième lecteur peut servir à différents usages. Selon un mode d'exploitation, le second lecteurThe second reader can be used for different purposes. According to an operating mode, the second reader
(12) est un lecteur destiné à recevoir la carte d'identification du dispositif auprès de l'opérateur de télécommunication. L'intégration des fonctions monétiques et télécommunication permet d'unifier les protocoles d'identification et d'autorisation de l'utilisateur et d'éviter tout risque d'erreur ou de fraude du fait de divergence entre l'identité de l'utilisateur telle que référencée auprès de l'opérateur de télécommunication, et l'identité de l'utilisateur telle que référencée auprès de l'organisme bancaire ou financier.(12) is a reader intended to receive the identification card of the device from the telecommunications operator. The integration of electronic payment and telecommunication functions makes it possible to unify the identification and authorization protocols of the user and to avoid any risk of error or fraud due to divergence between the identity of the user such as referenced with the telecommunications operator, and the identity of the user as referenced with the banking or financial organization.
Le deuxième lecteur (12) sert ainsi à personnaliser totalement le dispositif par l'utilisation d'une carte unique, propriété d'un utilisateur. Le deuxième lecteur peut également être destiné à recevoir des cartes telles que la carte "commerçant" pour des systèmes de paiement électronique, ou des cartes "médecin" pour des systèmes d'exploitation de la carte santé. L' invention est décrite dans ce qui précède à titre d'exemple non limitatif. The second reader (12) thus serves to completely personalize the device by the use of a single card, property of a user. The second reader can also be intended to receive cards such as the "merchant" card for electronic payment systems, or "doctor" cards for operating systems of the health card. The invention is described in the foregoing by way of nonlimiting example.

Claims

REVENDICATIONS
1 - Terminal de transaction électronique portable, notamment terminal de paiement portable, comportant un lecteur de carte à mémoire (4, 5), un calculateur (8) pour commander les procédures de contrôle de la carte, d'authentification de l'utilisateur et de transaction avec un centre serveur distant, ainsi que des moyens de liaison à distance, caractérisé en ce que les moyens de liaison sont constitués par une circuit de téléphonie cellulaire (7) incorporé dans le boîtier (1) dudit terminal, et en ce que les moyens de saisie de données (3) ainsi que les moyens d'affichage (2) sont communs aux fonctions monétiques et au fonctions de télécommunication.1 - Portable electronic transaction terminal, in particular portable payment terminal, comprising a memory card reader (4, 5), a computer (8) for controlling the procedures for controlling the card, authenticating the user and transaction with a remote server center, as well as remote connection means, characterized in that the connection means consist of a cellular telephone circuit (7) incorporated in the housing (1) of said terminal, and in that the data entry means (3) and the display means (2) are common to electronic payment functions and to telecommunication functions.
2 - Terminal de transaction électronique portable, notamment terminal de paiement portable, selon la revendication 1 caractérisé en ce qu'il comporte un circuit gestionnaire d'écran recevant les signaux numériques provenant d'une part du circuit de téléphonie cellulaire (7) et d'autre part du calculateur (8) affecté à l'exécution des programmes de transactions.2 - portable electronic transaction terminal, in particular portable payment terminal, according to claim 1 characterized in that it comprises a screen manager circuit receiving the digital signals coming from a part of the cellular telephone circuit (7) and d 'other part of the computer (8) assigned to the execution of transaction programs.
3 - Terminal de transaction électronique portable, notamment terminal de paiement portable, selon la revendication 1 ou 2 caractérisé en ce qu'il comporte une alimentation électrique commune pour l'ensemble des circuits.3 - portable electronic transaction terminal, in particular portable payment terminal, according to claim 1 or 2 characterized in that it comprises a common power supply for all of the circuits.
4 - Terminal de transaction électronique portable, notamment terminal de paiement portable, selon l'une quelconque des revendications précédentes caractérisé en ce qu'il comporte un circuit de mémorisation contenant les informations relatives aux protocoles de transactions électroniques exécutés par le caJ culateur (8) et les informations relatives à la connexion aux serveurs exploités par le circuit de téléphonie cellulaire (7) .4 - portable electronic transaction terminal, in particular portable payment terminal, according to any one of the preceding claims, characterized in that it comprises a circuit for storage containing the information relating to the electronic transaction protocols executed by the computer (8) and the information relating to the connection to the servers operated by the cellular telephone circuit (7).
b - Terminal de transaction électronique portable, notamment terminal de paiement portable, selon l 'une quelconque des revendications précédentes caractérisé en ce qu'il comporte en outre un second lecteur de carte (12) .b - portable electronic transaction terminal, in particular portable payment terminal, according to any one of the preceding claims, characterized in that it further comprises a second card reader (12).
6 - Terminal de transaction électronique portable, notamment terminal de paiement portable, selon l'une quelconque des revendications précédentes caractérisé en ce qu'il comporte en outre un lecteur de carte (12) destiné à recevoir une carte d'identification de l'utilisateur auprès de l'opérateur de télécommunication. 6 - Portable electronic transaction terminal, in particular portable payment terminal, according to any one of the preceding claims, characterized in that it further comprises a card reader (12) intended to receive a user identification card with the telecommunications operator.
PCT/FR1997/000992 1996-06-04 1997-06-04 Portable electronic transaction terminal, in particular portable payment terminal WO1997046986A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
EP97927237A EP0951703A1 (en) 1996-06-04 1997-06-04 Portable electronic transaction terminal, in particular portable payment terminal

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
FR9606890A FR2749424B1 (en) 1996-06-04 1996-06-04 PORTABLE ELECTRONIC TRANSACTION TERMINAL, ESPECIALLY PORTABLE PAYMENT TERMINAL
FR96/06890 1996-06-04

Publications (1)

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WO1997046986A1 true WO1997046986A1 (en) 1997-12-11

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EP (1) EP0951703A1 (en)
FR (1) FR2749424B1 (en)
WO (1) WO1997046986A1 (en)

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FR2749424B1 (en) 1998-07-10
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