WO2003027919A3 - Data processing installation for electronic wallets, and related method - Google Patents

Data processing installation for electronic wallets, and related method Download PDF

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Publication number
WO2003027919A3
WO2003027919A3 PCT/FR2002/003215 FR0203215W WO03027919A3 WO 2003027919 A3 WO2003027919 A3 WO 2003027919A3 FR 0203215 W FR0203215 W FR 0203215W WO 03027919 A3 WO03027919 A3 WO 03027919A3
Authority
WO
WIPO (PCT)
Prior art keywords
communication device
called
local
data processing
sum
Prior art date
Application number
PCT/FR2002/003215
Other languages
French (fr)
Other versions
WO2003027919A2 (en
WO2003027919B1 (en
Inventor
Pierre-Michel Guilhen
Original Assignee
Pierre-Michel Guilhen
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 Pierre-Michel Guilhen filed Critical Pierre-Michel Guilhen
Priority to AU2002347257A priority Critical patent/AU2002347257A1/en
Publication of WO2003027919A2 publication Critical patent/WO2003027919A2/en
Publication of WO2003027919A3 publication Critical patent/WO2003027919A3/en
Publication of WO2003027919B1 publication Critical patent/WO2003027919B1/en

Links

Classifications

    • 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems

Abstract

The invention concerns a data processing installation comprising a management terminal (3) for data exchange with communication devices (4) associated with identifiers representing remote account numbers, each communication device (4) comprising a so-called local account memory for storing a value representing a so-called local current sum. The installation further comprises first means for carrying out transactions with the management terminal (3), for controlled transfer of data representing sums between the remote account, associated with the communication device (4) concerned, and the local account memory, and with other first means for transfer of data representing part at least of a current local sum of a so-called buyer communication device to a so-called seller communication device, and second means coupled with the first means for modifying the value representing the current local sum in response to a transaction.
PCT/FR2002/003215 2001-09-21 2002-09-20 Data processing installation for electronic wallets, and related method WO2003027919A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2002347257A AU2002347257A1 (en) 2001-09-21 2002-09-20 Data processing installation for electronic wallets, and related method

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
FR01/12182 2001-09-21
FR0112182A FR2830099A1 (en) 2001-09-21 2001-09-21 Data processing unit for an electronic purse, manages data exchange and maintains local and central balance data

Publications (3)

Publication Number Publication Date
WO2003027919A2 WO2003027919A2 (en) 2003-04-03
WO2003027919A3 true WO2003027919A3 (en) 2003-09-25
WO2003027919B1 WO2003027919B1 (en) 2003-11-20

Family

ID=8867484

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/FR2002/003215 WO2003027919A2 (en) 2001-09-21 2002-09-20 Data processing installation for electronic wallets, and related method

Country Status (3)

Country Link
AU (1) AU2002347257A1 (en)
FR (1) FR2830099A1 (en)
WO (1) WO2003027919A2 (en)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2868859B1 (en) * 2004-04-08 2006-07-21 Columbia Finances Sa CARD PAYMENT INSTALLATION CONTAINING A BALANCE OF ACCOUNT UNITS
FR2915302B1 (en) 2007-04-20 2009-07-03 Ingenico Sa TERMINAL OF PAYMENT, METHOD AND PROGRAM

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0421808A2 (en) * 1989-10-06 1991-04-10 André Peter Mansvelt Funds transfer system
US5591949A (en) * 1995-01-06 1997-01-07 Bernstein; Robert J. Automatic portable account controller for remotely arranging for payment of debt to a vendor
US6078806A (en) * 1995-02-15 2000-06-20 Nokia Mobile Phones Limited Method for using applications in a mobile station, a mobile station, and a system for effecting payments
US6112984A (en) * 1997-03-14 2000-09-05 Snavely; John D. Electronic wallet or purse with means for funds transfer
WO2001059732A2 (en) * 2000-02-10 2001-08-16 Jon Shore Apparatus, systems and methods for wirelessly transacting financial transfers, electronically recordable authorization transfers, and other information transfers

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0421808A2 (en) * 1989-10-06 1991-04-10 André Peter Mansvelt Funds transfer system
US5591949A (en) * 1995-01-06 1997-01-07 Bernstein; Robert J. Automatic portable account controller for remotely arranging for payment of debt to a vendor
US6078806A (en) * 1995-02-15 2000-06-20 Nokia Mobile Phones Limited Method for using applications in a mobile station, a mobile station, and a system for effecting payments
US6112984A (en) * 1997-03-14 2000-09-05 Snavely; John D. Electronic wallet or purse with means for funds transfer
WO2001059732A2 (en) * 2000-02-10 2001-08-16 Jon Shore Apparatus, systems and methods for wirelessly transacting financial transfers, electronically recordable authorization transfers, and other information transfers

Also Published As

Publication number Publication date
WO2003027919A2 (en) 2003-04-03
FR2830099A1 (en) 2003-03-28
WO2003027919B1 (en) 2003-11-20
AU2002347257A1 (en) 2003-04-07

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