WO1996024913A3 - Two-way messaging network using debit cards - Google Patents
Two-way messaging network using debit cardsInfo
- 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
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.
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)
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)
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 |
-
1996
- 1996-02-06 WO PCT/GB1996/000269 patent/WO1996024913A2/en active Application Filing
Patent Citations (9)
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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