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WO2002011080A1 - Procede d'exploitation d'un systeme fonctionnant au moyen de supports de donnees de paiement, et systeme relatif a cette exploitation - Google Patents

Procede d'exploitation d'un systeme fonctionnant au moyen de supports de donnees de paiement, et systeme relatif a cette exploitation Download PDF

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Publication number
WO2002011080A1
WO2002011080A1 PCT/HU2001/000084 HU0100084W WO0211080A1 WO 2002011080 A1 WO2002011080 A1 WO 2002011080A1 HU 0100084 W HU0100084 W HU 0100084W WO 0211080 A1 WO0211080 A1 WO 0211080A1
Authority
WO
WIPO (PCT)
Prior art keywords
pay data
pay
data carrier
data carriers
database
Prior art date
Legal status (The legal status 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 status listed.)
Ceased
Application number
PCT/HU2001/000084
Other languages
English (en)
Inventor
Tamás LAJTNER
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
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 Individual filed Critical Individual
Priority to AU2002227516A priority Critical patent/AU2002227516A1/en
Publication of WO2002011080A1 publication Critical patent/WO2002011080A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems

Definitions

  • the subject of the invention relates to a procedure for the operation of a system working with pay data carriers, and a system tor this purpose, during which financial transactions can be carried out with the pay data carriers, favourably up to a practical value limit - primarily on the Internet - in such a way that the financial transactions can be securely carried out, at the same time as retaining the anonymity of the buyer.
  • the present description sets down the circumstances and conditions of the application serving to carry out the pay data carriers' financial transactions.
  • a characteristic of this payment method is the duality that the buyer (who pays) always provides real and physically tangible data.
  • the seller (who gets the money) with respect to the transfer of the money is real, but in the case of possible complaints and with respect to other legal and non-legal points of view of the realisation of the buyers' interests the seller is virtual and cannot be reached in many cases.
  • the Internet also provides access to the most varied kinds and forms of information. Beside the possible abuse, the average person surfing the Internet is discouraged from using certain Internet services because in the case of paying by bankcard he/she loses his/her anonymity.
  • the aim of the invention is to create a solution with which the problems that have been outlined can be remedied.
  • the application system described in the following is very significant because it protects the information for well-meaning clients who purchased the promissory note from the given financial institution.
  • the starting point of the system is the information that is connected to the purchase that the later buyer (who hands over the money in the traditional sense) gives to the seller.
  • the information carrier is the pay data carrier behind which appears the bank promissory note.
  • narrow specialist field uses - such as magnetic cards, especially credit cards, bank ATM cards there are express endeavours being made in order to differentiate between uniformly formed data carriers.
  • the known data carriers are provided with some sort of differentiating feature after production, for example the magnetic cards are coded.
  • a typically applied practice is that in parallel with the filling up of the card after production the known solution is that the card user receives a personal identification number - the so-called PIN code - in order to prevent unauthorised use.
  • American patent description registration number 5.206.494 describes an invention where these known cards consist of two main parts: a preliminarily, magnetically coded part, and a second part also magnetically coded that may be placed in a moveable way into the first part.
  • the use of the data carrier for this different purpose as a pay data carrier, with its use also being restricted, is advantageous also because an unauthorised instance of use make take place only up until the set limit, in other words an unauthorised intervention may only take place up to the extent of the restriction.
  • the pay data carrier favourably needs to be writable and readable, and should be of a random access type.
  • the pay data carrier suitable for carrying out financial transactions may only be used as a means of payment in the system that belongs to the company that ordered or manufactured the pay data carrier, henceforward system owner.
  • the explanation for this is that if a single seller only uses this new system, then it is clear that the money coming in belongs to it, because it is both the manufacturer and the seller, too. There is a reason to use this solution in this case also, but it really becomes useful if the system can be distributed widely and the system becomes open to any number of sellers. I realised that in order to realise this it is necessary for the pay data carrier to be given a unique identifier that clearly differentiates it from the other pay data carriers. This possible solution of the pay data carrier that can also be used as a means of payment is satisfactory for any seller (who receives money) and buyer (who gives the money).
  • the subject of the invention is a procedure that relates to the operation of a system operating with the use of pay data earners, during which pay data carriers are produced that may be used as means of payment, with a determined and/or variable value, the pay data carriers are supplied with a unique identifier code and in the system - practically with the help of a computer - the pay data carriers with a determined and/or variable value are stored in a basic status database, together with the associated unique identifier code.
  • the essence of the procedure is that in the case of the sale of the pay data carriers a further database is created in which the possibility for the sold pay data carriers to become active is stored. Then the legal owners of the pay data carriers can activate their pay data carrier(s) by applying for activation at the further database, so making it possible to carry out financial transactions with it (them).
  • the pay data carrier can, if necessary, be filled up and/or refilled with value in accordance with the sales process of the pay data carrier.
  • the activation registration can also be realised.
  • the activation can take place relating to a given period - by giving the stating and ending parameters of the usage period - it may be carried out using a supplementary code or with the joint application of the two.
  • the circumstances of the performance of the financial are recorded in a documentation database and in accordance with the amount of the financial transaction the value stored in the active pay data carrier database of the pay data carrier that has a determined and/or variable value is reduced.
  • the subject of the invention is also a system operating with the use of further pay data carriers that has distribution points ensuring the distribution of pay data carriers that have unique identifier codes belonging to the system owner.
  • the system is set up so that the system owner has a database that identifies the manufactured pay data carriers that have unique identifier codes, the system owner and the distribution points have an electronic data transfer connection with each other.
  • the system also has a further database - that is activated separately - that records the sale of the pay data carriers and following the performance of the financial transaction, a documentation database that stores the circumstances of the performance of the financial transaction.
  • the system owner (who makes the promissory note) manufactures the pay data carrier or has it manufactured.
  • the system owner places the identifier code of the pay data carrier in its records.
  • These records consist of a database of the pay data carriers that have the unique identifier code.
  • the system owner keeps a record of the amount of money on the pay data carrier according to its unique identifier code (in figure e.g. HTJF 1000 or HUF 0) and whether the pay data carrier may be (re)filled.
  • its unique identifier code in figure e.g. HTJF 1000 or HUF 0
  • the means of payment function and system can be used according to the following.
  • the pay data carrier is available in the shops, in other words to places that publicly distribute the pay data carrier.
  • These laces may be bank branches, post offices, stores or small shops, etc.
  • the buyer comes into contact with the pay data carrier her, in other words, they buy the given pay data carrier here.
  • pay data carrier may be monetarily filled up, filled up and refillable or not yet filled up.
  • a pay data carrier can be imagined that is distributed in a filled up state to an amount determined by the system owner (e.g. HUF 2000). The buyer may consume this amount during use, but after the amount has been used the given pay data carrier can not be used anymore as a means of payment. This is the monetarily filled up type, not refillable.
  • Those pay data carriers belong to the refillable type that may be refilled by bank transfer or other method up to the amount limit found on the pay data carrier.
  • this type two versions are possible, one is distributed already filled up (e.g. HUF 5000) and the other is distributed without being filled (e.g. HUF 0). This latter type is the later tillable pay data carrier type.
  • the pay data carrier purchase takes place, the distribution point receives the data carrier's purchase price from the buyer.
  • the following step is that the system owner needs to be notified of the sale of the given pay data carrier with a unique identifier code, and an amount of money for the pay data carrier needs to be transferred to the system owner. (The method of the transfer and its scheduling is only a mere detail.) The informing and the transfer are carried out by the distribution point.
  • the system owner compares the code of the pay data carrier that has a unique code with the appropriate record of the database of the manufactured pay data carriers that have unique identifier codes. If a manufactured pay data carrier with such a code exists, then the unique identifier code of the pay data carrier with this code is recorded in the database of pay data carriers that may be activated.
  • the pay data carriers recorded in the activatable pay data carrier database are not yet means of payment, although theoretically there is nothing to prevent the given pay data carrier from being immediately useable as a means of payment.
  • the condition of the pay data carrier becoming a means of payment is that the buyer activates the pay data carrier with a so-called activating registration.
  • the system owner registers the amount of money on the pay data carrier in the database according to its unique identifier code, also whether the pay data carrier can be refilled and other data required for security reasons, e.g. supplementary code, if there is one, date and place sold, etc.
  • the pay data carrier Before the pay data carriers are activated empty, the pay data carrier needs to be filled up. This may take place by bank transfer with reference to the unique identifier code of the pay data carrier, by payment with cash or in another way.
  • the essential phase in the filling up process is for the buyer to transfer the amount intended for the filling up to a separate account of the system owner, and only has to refer to the unique identifier code of the pay data carrier.
  • the system owner will note the filling up in a database with a record made in the database of activatable pay data carriers.
  • Filling up does not in itself necessarily mean activation, but there is nothing to prevent filling up also to serve as activation.
  • the buyer activates the pay data carrier by contacting the client service centre set up for this purpose through the Internet, by telephone or in another way.
  • the buyer gives the unique identifier code of the given pay data carrier, and then states when he/she would like to use the given pay data carrier as a means of payment
  • the active means of payment database contains the unique identifier code of the given pay data carrier, the amount on the pay data carrier, the start and end parameters of the period of use (e.g. yy-mm-dd-hh-mm-ss: yy-mm-dd-hh-mm-ss).
  • the pay data carrier contains the amount 0 or on the basis of the time parameters it has no place on the database, all data pertaining to the given pay data carrier is deleted.
  • the activation system operating with a supplementary code is similar to the PIN code system or may even be the same as it.
  • the system owner asks for a code that accompanies the given pay data carrier, that can only be known by the buyer, that is placed inside the original packaging of the pay data carrier or given to the buyer in another way.
  • An advantageous version of this solution may be that without the given code the system owner will not allow the activation of the pay data carrier.
  • the system owner has to store the appropriate supplementary code number beside the unique identifier code of the appropriate pay data carrier in the database of the manufactured pay data carriers that have unique identifier codes.
  • the system owner also asks the buyer for this code, and on comparing the two codes is convinced that the buyer is bona fide.
  • the record of the given pay data carrier is placed in the database of the active means of payment.
  • the given pay data carrier is placed in the active means of payment database, if the system owner finds agreement with the data of the earlier databases.
  • the pay data carrier has to be activated once.
  • Joint activation is the activation in unison for a given period and activation taking place with the supplementary code.
  • the registration supposes the existence of a supplementary code, but during registration the time period for the use of the py data carrier as a means of payment also has to be given.
  • the registration can be solved by the buyer placing the pay data carrier into the appropriate reading unit, and from herein the registration is carried out by the algorithm that is on the pay data carrier.
  • This algorithm may be more than a simple algorithm, because among the information given to the system owner, apart from the unique identifier code, there can also be codes, bad sector and block numbers.
  • the system owner is to take care of the interpretation of this, the processing of the incoming data and its comparison with its own documentation.
  • This documentation can supplement the manufactured and/or activatable pay data carrier database.
  • the pay data carrier is different to the usual pay data carriers that have bank accounts common in the financial world.
  • This pay data carrier may also operate as an anonymous pay data carrier, that is with it there is no need for a client name or unique account number.
  • the unique identifier code of the pay data carrier itself or other code numbers possibly based on this, or a number based on the supplementary information generated randomly or directly on the basis of an algorithm, etc., or a single appropriate element of the number series found on the data carrier is in essence the mecanicvirtual bank account number".
  • the given Crude account number is not connected to a unique bank account, but to a registration system. In accordance with this it is not able to implement a significant volume of account turnover, the limits of its possibilities come to an end at a given payment amount. Regarding how large this amount is depend on the system owner's business policy relating to this.
  • the pay data carrier may have a relationship with any form of payment used today.
  • the basis of this relationship is that using a bankcard as an example - without restricting my patent application to this example - the card issuing place may issue the cardholder with a pay data carrier, on the basis of the unique identifier code of which pay data carrier the system owner is able to identify the related card, and after identification setting a virtual code for the card and/or the pay data carrier (even temporarily) which is clearly harmonised with the card during payment. At such a time the payment obviously takes place with the virtual card number.
  • the pay data carrier In order for the buyer to be able to pay with the pay data carrier it is necessary for the pay data carrier to be filled up monetarily, that is for the amount on it not to equal 0 or for there to be money on its account (this latter is for when the pay data carrier is not independent: e.g. when it is used jointly with a bankcard).
  • This activation can be established in such a way that the unique identifier code of the pay data carrier is the virtual account number that the buyer sends to the seller, but it may also be established by the system owner giving a new number formed from data provided to it during activation, i.e. from the unique identifier code of the pay data carrier and the supplementary information (e.g. supplementary code, time of activation, etc.) which will henceforward be the buyer's virtual account number.
  • the unique identifier code of the pay data carrier is the virtual account number that the buyer sends to the seller, but it may also be established by the system owner giving a new number formed from data provided to it during activation, i.e. from the unique identifier code of the pay data carrier and the supplementary information (e.g. supplementary code, time of activation, etc.) which will henceforward be the buyer's virtual account number.
  • the single use account number may, however, also be created in such a way that the appropriate element(s) of the single-use account number string selected according to an appropriate algorithm and recorded on the given financial data carrier earlier will be the account number(s) to be used.
  • the buyer finds the seller on the Internet from which he/she wishes to purchase a service or goods.
  • the buyer On being notified by the seller the buyer provides the seller with the information it requests, then uses the seller's services or makes a purchase.
  • the task of the seller (who receives the money) is the same as with payment by card, the seller accepts the virtual accoun card number sent to it and the notification regarding the amount, then on the basis of this data it request the transfer of this amount from the system owner.
  • the system owner checks whether there is any money behind the virtual account number or, in the case of pay data carrier with an associated card, check the existing bank account, and if according to this check the requested amount may be transfened from the virtual real account, then the transfer may be carried out. (in physical reality itself.)
  • the system owner can make good use of this database in order to discover and filter out any possible abuse, but it is also useful for the sellers taking part in the transaction..
  • the seller accepts the payment as being performed, if the system owner has transfened the desired amount to it or has given some sort of guarantee pertaining to this.
  • the present version of the software on the seller's side does not make it possible for the buyer to make a record of the seller's data.
  • the system owner takes the unique identifier code of the pay data carrier from the database of active means of payment. If the pay data ca ier was temporarily activated, after the end of the activation period the system owner takes the unique identifier code of the pay data carrier from the database of active means of payment.
  • the system owner may make it possible for the buyer to make enquiries regarding the balance of the virtual account number.
  • the pay data carrier may be used in all those places where the seller or the cash issue point (also ATM) can contact the system owner.
  • the pay data carrier supplied with a supplementary code is advantageous, because this reduces the risk of financial losses on the buyer's side.
  • Supplementation with a traditional PIN code and its application presupposes a cash withdrawal procedure similar to the present bankcard.
  • a banknote machine supplied with an appropriate reader is able to issue cash from the pay data carrier up to the amount according to the financial amount code of the pay data carrier at any time.
  • the activation itself is the operation to withdraw cash.
  • the system is completely new, because it is not with a bank deposit that a new payment possibility occurs, but with the purchasing of a pay data carrier.
  • the data carriers may be realised with writing and/or reading equipment in common use today, but new equipment can also be established for its use (e.g. in the case of making cash withdrawals).
  • a limit may be set for overspending, the amount spent on the Internet maybe planned.
  • a further advantage is that due to the system those sellers that cheat the buyers can be filtered out. It ensures complete anonymity. With this equality is created: the buyer is virtual, as is the seller.
  • the system may also be used independently of the Internet, it is suitable for withdrawing cash.
  • the seller is completely sure of receiving the amount it is due.
  • the system owner is interested in the spreading and maintenance of the method in several fields.
  • the system similarly to credit cards, produces significant commission.
  • the second factor is that it increases liquidity and through this strengthens stability.
  • the third factor is the extra role in which a given system advertises the system owner through its service.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un procédé de fonctionnement d'un système fonctionnant au moyen de supports de données de paiement. Selon ledit procédé, ces supports de données de paiement sont produits et peuvent être utilisés en tant que moyens de paiement, avec une valeur déterminée et/ou variable, ces supports de données de paiement étant dotés d'un code d'identification unique. Dans ce système (en quelque sorte à l'aide d'un ordinateur), ces supports de données de paiement présentant une valeur déterminée et/ou variable sont stockés dans une base de données d'état de base avec le code d'identification unique associé. Selon ce procédé, en cas de vente du support de données de paiement, une base de données supplémentaire est créée dans laquelle est enregistrée une possibilité d'activation du support de données de paiement de vente. Les titulaires légaux de ces supports de données de paiement en quelque sorte peuvent, à l'aide de cet enregistrement d'activation dans la base de données supplémentaire, activer leur(s) support(s) de données de paiement leur permettant ainsi d'effectuer des transactions financières avec celui-ci (ceux-ci). Cette invention concerne également un système fonctionnant au moyen de supports de données de paiement présentant des points de distribution assurant la distribution de supports de données de paiement possédant des codes d'identification uniques appartenant au titulaire du système. Ce système est établi de telle sorte que le titulaire du système ait une base de données qui identifie les supports de données de paiement fabriqués, possédant des codes d'identification unique, le propriétaire du système et les points de distribution présentant une connexion électronique de transfert de données entre eux. Le système comprend une autre base de données (activée séparément) qui enregistre les ventes des supports de données de paiement et, en fonction de l'accomplissement de la transaction financière, une base de données de documentation qui stocke, si nécessaire, les circonstances de l'accomplissement de la transaction financière.
PCT/HU2001/000084 2000-07-27 2001-07-26 Procede d'exploitation d'un systeme fonctionnant au moyen de supports de donnees de paiement, et systeme relatif a cette exploitation Ceased WO2002011080A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2002227516A AU2002227516A1 (en) 2000-07-27 2001-07-26 Procedure for the operation of a system working with the use of pay data carriers, and a system for this purpose

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
HU0002950A HUP0002950A2 (hu) 2000-07-27 2000-07-27 Eljárás fizető adathordozók felhasználásával működő rendszer üzemeltetésére, valamint rendszer e célra
HUP0002950 2000-07-27

Publications (1)

Publication Number Publication Date
WO2002011080A1 true WO2002011080A1 (fr) 2002-02-07

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Application Number Title Priority Date Filing Date
PCT/HU2001/000084 Ceased WO2002011080A1 (fr) 2000-07-27 2001-07-26 Procede d'exploitation d'un systeme fonctionnant au moyen de supports de donnees de paiement, et systeme relatif a cette exploitation

Country Status (3)

Country Link
AU (1) AU2002227516A1 (fr)
HU (1) HUP0002950A2 (fr)
WO (1) WO2002011080A1 (fr)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AU2001263275B2 (en) * 2000-05-22 2005-07-21 Excalibur Ip, Llc Method and apparatus for identifying related searches in a database search system
KR101391255B1 (ko) 2010-01-07 2014-05-02 차이나 모바일 커뮤니케이션즈 코포레이션 반송파 활성화 방법, 장치 및 시스템

Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3258277A (en) 1964-12-07 1966-06-28 Schuster Adolph Check book-personalized check identification by means of photograph
GB2255664A (en) * 1991-04-09 1992-11-11 Frank Victor Haymann Credit card validation.
US5206494A (en) 1991-12-09 1993-04-27 Romain Metzger Identification card
GB2305393A (en) * 1995-08-31 1997-04-09 Powerhouse Marketing Limited Telephone card with scratch-off panel
US5696908A (en) * 1995-06-07 1997-12-09 Southeast Phonecard, Inc. Telephone debit card dispenser and method
US5777305A (en) * 1996-01-24 1998-07-07 Incomm Package assembly and method for activating prepaid debit cards
US5903633A (en) * 1995-03-27 1999-05-11 Smarttalk Teleservices, Inc. Method and apparatus for prepaid phone card activation and billing
WO1999033033A2 (fr) * 1997-12-19 1999-07-01 Visa International Service Association Activation d'une carte au niveau d'un point de distribution

Patent Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3258277A (en) 1964-12-07 1966-06-28 Schuster Adolph Check book-personalized check identification by means of photograph
GB2255664A (en) * 1991-04-09 1992-11-11 Frank Victor Haymann Credit card validation.
US5206494A (en) 1991-12-09 1993-04-27 Romain Metzger Identification card
US5903633A (en) * 1995-03-27 1999-05-11 Smarttalk Teleservices, Inc. Method and apparatus for prepaid phone card activation and billing
US5696908A (en) * 1995-06-07 1997-12-09 Southeast Phonecard, Inc. Telephone debit card dispenser and method
GB2305393A (en) * 1995-08-31 1997-04-09 Powerhouse Marketing Limited Telephone card with scratch-off panel
US5777305A (en) * 1996-01-24 1998-07-07 Incomm Package assembly and method for activating prepaid debit cards
WO1999033033A2 (fr) * 1997-12-19 1999-07-01 Visa International Service Association Activation d'une carte au niveau d'un point de distribution

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AU2001263275B2 (en) * 2000-05-22 2005-07-21 Excalibur Ip, Llc Method and apparatus for identifying related searches in a database search system
KR101391255B1 (ko) 2010-01-07 2014-05-02 차이나 모바일 커뮤니케이션즈 코포레이션 반송파 활성화 방법, 장치 및 시스템

Also Published As

Publication number Publication date
HU0002950D0 (en) 2000-10-28
AU2002227516A1 (en) 2002-02-13
HUP0002950A2 (hu) 2002-01-28

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