HU221217B1 - Record carrier usable as means of payment - Google Patents

Abstract

The subject of the invention is a data carrier that can also be used as a means of payment, especially for computing and/or consumer electronics use, which is random access, writable and readable, and the data carrier (A) is provided with an identifier. According to the invention, the data carrier (A) is a traditional data carrier (A) and the identifier is irreversibly fixed during the production of the data carrier (A) and designed as a unique identifier (M) that ensures anonymity for the user. The data carrier (A) contains a mark (S) corresponding to a specified amount and/or a chargeable and/or rechargeable mark (SR), or a combined mark that includes at least one of these marks (S, SR). ŕ

Description

EXTRACT

The present invention relates to a data carrier for use as a means of payment, in particular for computer and / or consumer electronics, which is randomly accessed, writable and readable, and the carrier (A) is provided with an identifier. According to the invention, the medium (A) and the identifier (A) are constructed as an irreversibly fixed unique identifier (M) for the user during the production of the medium (A). Contains a mark (S) and / or a half (or rechargeable mark) (SR) suitable for carrying out financial transactions recorded during the production of the media (A), or a combined mark comprising at least one of these marks (S, SR).

Figure 1

HU 221 217 B1

The scope of the description is 6 pages (including 1 page figure)

HU 221 217 Β1

The present invention also relates to data carriers for use as payment means, in particular for use in computer and / or consumer electronics.

Media used and used in computing, consumer electronics for the same type of media, such as hard disk, CD, DVD, etc. - they are not different, ie one is the same as the other. Appropriate standards, such as ISO standards, ensure their identity, external and internal design, and, in technical language, compatibility, and this is natural.

At the same time, however, there are strong efforts to distinguish uniformly trained media at a later stage for certain limited professional applications, such as magnetic cards, especially credit cards, bank ATM cards. Typically, in these narrow fields, known media are retrofitted during use with some distinctive feature (s), such as encoding magnetic cards. Typically, it is a common practice, along with post-card recharging, to provide the card user with his or her personal identification code, known as a PIN, to prevent unauthorized use. U.S. Patent No. 5,206,494 discloses an invention in which these known cards consist of two main parts: a primary magnetically encoded portion and a second, also magnetically encoded, additional portion movably inserted therein. There are various known solutions to prevent unauthorized use or to identify the rightful owner, such as U.S. Patent No. 3,258,277, which also uses a photo of the rightful owner for identification purposes.

DE 19752514 discloses a system having a data carrier and a read / write drive, wherein the data carrier is configured as an electronic chip for conducting financial transactions. In this case, the data carrier is thus an electronic chip, which may be provided with a serial number if necessary. The known solution, like other solutions mentioned above, is the use of an electronic chip trained as a card, which may be numbered if necessary. The disadvantage of this known solution is that it can be reproduced, copied in a simple manner, or other media can be provided with a serial number on a medium which can be used as a means of payment.

A common disadvantage of known solutions is that, if unauthorized access is successful, it will allow the unauthorized to misuse it. In the case of bank access, the entire amount in the bank account may be called up unauthorized and even more debts may arise. Therefore, many customers do not use paid services where such abuse may occur.

The object of the present invention is to eliminate the disadvantages of the known solutions, and to provide a solution for solving the problem outlined.

I have discovered that, especially in computing and in the field of consumer electronics, while maintaining their known functions, they can also be used for further useful purposes. Public telephone exchanges have been using the replacement phone cards for years to avoid unnecessary damage. I realized that mass-produced media in consumer society, with the right complement, can be made suitable for financial transactions, while retaining their original, well-known function. Of course, it is advisable to limit this new function of the media to a certain amount of money. This other use, but limited use of the media, is advantageous, inter alia, because a possible unauthorized use can only intervene to the extent of the limitation, that is, up to a specified limit. In view of the foregoing, the recording medium according to the invention must be readable and readable, and preferably random accessed.

I realized that if you use a traditional media known per se - hard disk, CD, DVD, etc. - designed to be distinguished from other media known in the art, this conventional medium can also be advantageously used as a means of payment. I have recognized that traditional media must have a unique identifier that is irrevocably fixed during the production of the medium itself. The advantage of having a unique identifier permanently fixed during production is not only the fact that the particular medium is distinguished from the others, but also the fact that such a medium cannot be produced in a "non-factory environment" because of its irreversible recording. In this way, unauthorized persons are unable to reproduce at home afterwards.

Having clarified the distinctiveness of the known conventional storage media of the present invention from other known storage media, I have also realized that this known storage medium of the present invention can also be used as a means of payment due to its unique identifiability and non-reproducibility. by the way, traditional media have not yet been usable.

Accordingly, the present invention relates to a data carrier for use as a means of payment, in particular for computing and / or consumer electronics, which is randomly accessed, writable and readable and provided with an identifier. The medium to be used as a means of payment is that the medium is a conventional medium and the identifier is formed as a unique identifier, which is irreversibly recorded during the production of the medium and which provides the user with anonymity. A further feature of a medium used as a means of payment is that it is capable of executing a financial transaction with a designated amount of credit and / or of the data medium2.

EN 221 217 The financial content of ó1-1 fel tartalmaz tartalmaz tartalmaz tartalmaz tartalmaz tartalmaz--tartalmaz tartalmaz tartalmaz tartalmaz tartalmaz tartalmaz tartalmaz pénzügyi pénzügyi pénzügyi pénzügyi pénzügyiΒ pénzügyi pénzügyi pénzügyi pénzügyi Β pénzügyi Β Β pénzügyi Β pénzügyi pénzügyi pénzügyi pénzügyi Β Β Β Β Β Β Β Β

Preferably, the label is permanently affixed to the recording medium in order to prevent abuse. For example, the mark may be digitally recorded on the media at the factory and be indelible. In the following, I shall interpret the term manufacturer, producer or customer together in a broad manner.

I have also recognized that a media bearing a specific amount of money suitable for conducting financial transactions can only be used as a means of payment in a system that is owned by the company manufacturing the medium. The reason for this is that if only one seller (who gets the money) uses this new system, then it is clear that the amount of money flowing is his as he is both the manufacturer and the seller. In this case it would not be necessary to use the identifier according to the invention.

The solution of the present invention would make sense in this case as well, but it becomes very useful if the system is widely distributed and open to any number of vendors. In order to accomplish this, it is necessary that the storage medium be provided with a unique identifier which is clearly distinguishable from other storage media. This solution for a medium that can be used as a means of payment is thus satisfactory for any seller (who receives the money) and buyer (who gives the money).

Depending on the "state of the art" of the new system, the unique identifier can be configured as a group identifier - where the identifier contains at least the manufacturer's identification and / or date of manufacture in an unalterable manner (meaning only that the media produced by that manufacturer be identifiable , or different from other manufacturers) - but can also be designed in a format where each media can be distinguished individually.

The unique identifier is recorded on the data carrier, preferably in an irreversible manner during manufacture, for example irreversibly and preferably in a digital manner.

In a further preferred embodiment of the medium to be used as a means of payment, the mark and / or unique identifier is fixed in a spare location (s) corresponding to the assignment of the ISO standards "control zone" or refers to where it is located on the medium.

Preferably, the recording medium is provided with a recordable surface, both once and more than once.

A possible exemplary embodiment of a removable media according to the present invention will be described in detail on the basis of the accompanying drawings, without limiting my occasional need for this exemplary embodiment, wherein: Fig. 1 is a preferred schematic of the recording medium; depicts a possible implementation.

The media of the present invention can also be used as a means of payment according to the invention shown in Figure 1, in particular in the case of computer and / or consumer electronics, in the case illustrated as a CD for simplicity. In the present specification, data carrier is understood to mean any device on which data can be recorded (written) analogously and / or digitally, and from which such data can be retrieved (read). Media A is preferably random access (i.e., not sequentially accessible, i.e., not sequentially organized), read-only, or read-only. According to my solution, Media A is labeled with S and / or SR, which represents the financial recharging and / or rechargeability of the media, suitable for carrying out financial transactions.

In Figure 1, both S and SR are shown on media A. FIG. The notation S and / or SR is not only immutably affixed to the media A, but is also preferably printed on the media A in a visible manner from the outside. Preferably, the S and / or SR markings on the media A are digitally and irreversibly recorded.

It can also be used as a means of payment according to the invention. In the solution of the storage medium, the storage medium A is also provided with a unique identifier M, which clearly distinguishes itself from the others. The unique identifier M is also permanently affixed to media A during manufacture, which includes at least an indication of the manufacturing company and / or the date of manufacture. Preferably, the unique identifier M is recorded on the media A irreversibly digitally.

The media A may be read-only, but preferably the media A may be provided with a write-once surface.

It is very advantageous to have a recording medium according to the invention in which the marking S and / or SR and / or the unique identifier M and / or the reference (s) therein are assigned to the "control zone" of ISO standards K. the corresponding spare Hl, H2, ..., Hn are fixed at the position (s). Figure 2 illustrates an embodiment of the possible placement of the sign S and / or SR and / or the unique identifier M on the storage medium. This may include, for example, an indication of the manufacturing company and / or date of manufacture and / or other special code. By utilizing this spare Hl, H2, ..., Hn space (s), reorganizing, possibly expanding, the zone (s), or otherwise, the media A can be clearly distinguished on the one hand and on the other hand when needed. they should remain the same in terms of traditional uses so far. The area depicted in dark represents F occupied area.

The present invention operates in detail as follows. For the purpose of this description, I assume the appropriate configuration in known computer networks. The specified amount is within 3

EN 221 217 Β1 The symbol S is interpreted as a means of payment by the vendor acting as seller on media A and, upon agreement with the buyer, deducts the amount due.

The buyer will buy the financially charged Media in any business as usual. Theoretically, there is nothing to prevent you from (re) reloading or otherwise transferring a previously purchased but financially uploadable medium or a previously purchased medium from which you have used up money. (The SR designation may be used to enable this uploading process. Of course, it does not necessarily have to be separated from the S and / or M designations and may be incorporated therein.) The buyer then pays the manufacturer the price of the uploaded media. (Hereinafter, I mean broadly: manufacturer, producer, or customer: system administrator.) In a business transaction, the seller (who, for example, receives money from the buyer for his service on the Internet) actually obtains his money by keeps a unique M ID and the amount drawn in its own records. You will then contact - if you have not already done so - the appropriate service provider for the particular media manufacturer A and tell you how much money you have withdrawn from media A with a unique M ID. The manufacturer of Media A checks if Media A contains so many currencies and, if so, reduces the financial load of Media A with the unique identifier M by changing the appropriate entry in its database. Subsequently, the manufacturer of Media A actually pays (transfers) that amount to the seller. This functional description is intended to be illustrative only and may, of course, be supplemented and varied within the limits of common sense.

The advantages of the present invention will be summarized below.

- Provides financial security and discipline for Paid Internet Payments. Since the customer is not required to provide an account number or credit card number at the end of the transaction, the risk of abuse is reduced.

- You can partially replace credit card payments on the Internet.

- Provides complete anonymity to the customer.

- Enhance your Internet presence with the financial security it provides.

- Universal, can be used in virtually any field.

- The symbol S and / or the unique identifier M suitable for carrying out financial transactions are fixed at the factory. Counterfeiting requires cumbersome advanced manufacturing technology.

- Can also be used as a means of payment The use of the media can be accomplished with standard read / write devices, but new types of devices can be developed.

- Your customer's security is enhanced by deciding how much money to spend on Internet services, buying a media with the financial capacity that is right for their needs ($ 1,000, $ 10,000, etc.).

Can also be used as a means of payment The media is purchased by the customer under normal conditions and in secure conditions. A further advantage of Media A is that if it is not in the computer, it cannot be read.

- The seller receives money from the customer through Media Manufacturer A in the same amount of time as if he had received it directly from the customer himself (the seconds to a web connection are almost negligible).

- Can also be used as a means of payment It is in the interest of the manufacturer to use the medium. It may take a long time between the actual purchase and payment of Media A, so the manufacturer will only make payments in installments of the amount actually received. This will provide you with a substantial amount of liquid funds in your account, subject to turnover.

- It may also be beneficial for the owner of Media A if Media A has a write-once surface (or a write-once surface). Because data cannot be erased from the write-once interface, the purchase entries entered in this area are actual documentation of the previous purchases made by the holder of Media A, as well as the remaining amount. Potential unauthorized financial transactions are easy to detect and can be excluded from further cooperation.

- Advantageously, Media A, if it has a write-once interface, can take over the full range of credit card services. You can also supplement them by recording the transactions on the write-once surface of the medium itself, which is where the most important parameters of the transactions are stored. In this case, it is expedient to supplement the media A with an embossed surface which can be used for the external identification of the media.

Claims (9)

PATENT CLAIMS 1. A medium for use as a means of payment, in particular for computer and / or consumer electronics, which is random access, read-only or read-only, and has an identifier, characterized in that the medium (A) is a conventional medium (A) and is formed as an irrevocably unique identifier (M) for the user (an) which is irrevocably recorded during production of the media (S) and a mark (S) corresponding to a fixed amount suitable for carrying out financial transactions recorded during the production of the media (A); EN 221 217 Β1 the financial content of media (A) contains an uploadable and / or rechargeable sign (SR) or a combined notation containing at least one of these signs (S, SR). 2. A medium as claimed in claim 1, wherein the symbol (S, SR) is permanently applied to the medium (A). A medium for use as a means of payment according to claim 2, characterized in that the symbol (S, SR) is digitally recorded on the medium (A). 4. A medium as claimed in any one of claims 1 to 5, characterized in that the unique identifier (M) comprises at least an indication of the manufacturing / ordering company or other group identifier and / or recording of the date of manufacture. 5. A medium for use as a means of payment according to claim 4, characterized in that the unique identifier (M) is digitally recorded on the medium (A). 6. Media according to one of claims 1 to 6, characterized in that the sign (S, SR) and / or the unique identifier (M) corresponds to a spare location (s) for the allocation of the "control zone" (K) of the ISO standards for the media (A). n (H1, H2, ..., Hn) is recorded or inventive (s) on the media (A) are indicated herein. 7. A medium as claimed in any one of claims 1 to 4, characterized in that the medium (A) has a read-only surface. 8. A data carrier as claimed in any one of claims 1 to 4, characterized in that the storage medium (A) is provided with a write-once and / or multi-write surface. 9. The data carrier as claimed in any one of claims 1 to 4, characterized in that the surface of the data carrier (A) is provided with or can be provided with a write-once surface, preferably an embossed surface, for external identification.