WO1996024913A3 - Two-way messaging network using debit cards - Google Patents

Two-way messaging network using debit cards

Info

Publication number
WO1996024913A3
WO1996024913A3 PCT/GB1996/000269 GB9600269W WO9624913A3 WO 1996024913 A3 WO1996024913 A3 WO 1996024913A3 GB 9600269 W GB9600269 W GB 9600269W WO 9624913 A3 WO9624913 A3 WO 9624913A3
Authority
WO
WIPO (PCT)
Prior art keywords
debit
messaging network
way messaging
remote communicator
debit cards
Prior art date
Application number
PCT/GB1996/000269
Other languages
French (fr)
Other versions
WO1996024913A2 (en
Inventor
Hanoch Yokev
Yehouda Meiman
Original Assignee
Nexus 1994 Ltd
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 Nexus 1994 Ltd filed Critical Nexus 1994 Ltd
Publication of WO1996024913A2 publication Critical patent/WO1996024913A2/en
Publication of WO1996024913A3 publication Critical patent/WO1996024913A3/en

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/0014—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for vending, access and use of specific services not covered anywhere else in G07F17/00
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems

Abstract

A two-way messaging network is described which allows a user of a remote communicator to use pre-paid debit cards to authorize message communication. The debit card consists of a storage medium for storing a pre-paid authorization value and anti-counterfeit protection. The remote communicator has the ability to communicate with a base station and debit the authorization value according to the amount of communication time used. The remote communicator also has anti-counterfeiting protection which is used in combination with the debit card to deter unauthorized communications using counterfeit components.
PCT/GB1996/000269 1995-02-08 1996-02-06 Two-way messaging network using debit cards WO1996024913A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US38614695A 1995-02-08 1995-02-08
US08/386,146 1995-02-08

Publications (2)

Publication Number Publication Date
WO1996024913A2 WO1996024913A2 (en) 1996-08-15
WO1996024913A3 true WO1996024913A3 (en) 1996-09-26

Family

ID=23524362

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/GB1996/000269 WO1996024913A2 (en) 1995-02-08 1996-02-06 Two-way messaging network using debit cards

Country Status (1)

Country Link
WO (1) WO1996024913A2 (en)

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2769446B1 (en) * 1997-10-02 2000-01-28 Achille Joseph Marie Delahaye IDENTIFICATION AND AUTHENTICATION SYSTEM
FR2786013B1 (en) * 1998-11-12 2001-01-19 Gemplus Card Int AUTHENTICATION METHOD BETWEEN A MEMORY CARD AND A TERMINAL
US10489778B2 (en) 2013-11-24 2019-11-26 Zanguli Llc Secure payment card

Citations (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2534712A1 (en) * 1982-10-19 1984-04-20 Traitement Information Tech Nl Method of certification of information placed on a medium, information medium and apparatus for certification of media such as identity cards.
EP0216298A2 (en) * 1985-09-17 1987-04-01 Casio Computer Company Limited Identification system
FR2600188A1 (en) * 1986-06-16 1987-12-18 Bull Cp8 Method of accrediting an external environment by a portable object associated with this environment
EP0397512A2 (en) * 1989-05-11 1990-11-14 Material Engineering Technology Laboratory, Inc. Method for preventing the unauthorized/illegal use of card-type information medium
EP0570924A2 (en) * 1992-05-20 1993-11-24 Siemens Aktiengesellschaft Authentication method of one system-participant by another system-participant in an information transfer system composed of a terminal and of a portable data carrier
EP0572991A2 (en) * 1992-06-02 1993-12-08 Shmuel Fromer A method of processing prepaid telephone calls
EP0574990A2 (en) * 1992-06-17 1993-12-22 Philips Patentverwaltung GmbH Method and circuit arrangement for testing a credit card
EP0589757A1 (en) * 1992-09-21 1994-03-30 France Telecom Telecommunications installation with secured downloading of prepayment means and method for the download
US5359182A (en) * 1992-10-06 1994-10-25 Interdigital Technology Corporation Wireless telephone debit card system and method

Patent Citations (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2534712A1 (en) * 1982-10-19 1984-04-20 Traitement Information Tech Nl Method of certification of information placed on a medium, information medium and apparatus for certification of media such as identity cards.
EP0216298A2 (en) * 1985-09-17 1987-04-01 Casio Computer Company Limited Identification system
FR2600188A1 (en) * 1986-06-16 1987-12-18 Bull Cp8 Method of accrediting an external environment by a portable object associated with this environment
EP0397512A2 (en) * 1989-05-11 1990-11-14 Material Engineering Technology Laboratory, Inc. Method for preventing the unauthorized/illegal use of card-type information medium
EP0570924A2 (en) * 1992-05-20 1993-11-24 Siemens Aktiengesellschaft Authentication method of one system-participant by another system-participant in an information transfer system composed of a terminal and of a portable data carrier
EP0572991A2 (en) * 1992-06-02 1993-12-08 Shmuel Fromer A method of processing prepaid telephone calls
EP0574990A2 (en) * 1992-06-17 1993-12-22 Philips Patentverwaltung GmbH Method and circuit arrangement for testing a credit card
EP0589757A1 (en) * 1992-09-21 1994-03-30 France Telecom Telecommunications installation with secured downloading of prepayment means and method for the download
US5359182A (en) * 1992-10-06 1994-10-25 Interdigital Technology Corporation Wireless telephone debit card system and method

Also Published As

Publication number Publication date
WO1996024913A2 (en) 1996-08-15

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