DE10355644A1 - Cash transaction executing method, involves using data, by terminal device, to find whether application program is executable within pay transaction card, and sending information of device functionalities to card if program is executable - Google Patents
Cash transaction executing method, involves using data, by terminal device, to find whether application program is executable within pay transaction card, and sending information of device functionalities to card if program is executable Download PDFInfo
- Publication number
- DE10355644A1 DE10355644A1 DE2003155644 DE10355644A DE10355644A1 DE 10355644 A1 DE10355644 A1 DE 10355644A1 DE 2003155644 DE2003155644 DE 2003155644 DE 10355644 A DE10355644 A DE 10355644A DE 10355644 A1 DE10355644 A1 DE 10355644A1
- Authority
- DE
- Germany
- Prior art keywords
- payment card
- terminal
- application program
- card
- executable
- 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.)
- Withdrawn
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Classifications
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/206—Software aspects at ATMs
-
- 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
- G06Q20/34—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
- G06Q20/355—Personalisation of cards for use
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
-
- 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
- G07F7/0806—Details of the card
- G07F7/0833—Card having specific functional components
- G07F7/084—Additional components relating to data transfer and storing, e.g. error detection, self-diagnosis
-
- 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
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- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
Die Erfindung betrifft ein Verfahren zur Ausführung einer Anwendung mittels einer Zahlungsverkehrskarte und eines Endgeräts. Weiterhin betrifft die Erfindung ein System mit wenigstens einer Zahlungsverkehrskarte und wenigstens einem Endgerät.The The invention relates to a method for carrying out an application by means of a payment card and a terminal. Furthermore, the invention relates a system with at least one payment card and at least a terminal.
Zahlungsverkehrskarten werden vielfältig eingesetzt, beispielsweise zur Durchführung von Transaktionen des bargeldlosen Zahlungsverkehrs mittels eines Zahlungsverkehrsterminals oder zum Abheben von Bargeld mittels eines Geldausgabeautomaten. Bei diesen und einer Reihe weiterer Anwendungen werden die Zahlungsverkehrskarten in Zusammenwirkung mit Endgeräten eingesetzt, die mit den Zahlungsverkehrskarten in Datenaustausch treten und die zur Ausführung der Anwendung jeweils erforderlichen Operationen steuern. Da jede Zahlungsverkehrskarte in der Regel bei einer Vielzahl verschiedener Endgeräte eingesetzt werden kann, wobei auch ein Einsatz im Ausland möglich ist, wird der Inhaber der Zahlungsverkehrskarte unter Umständen mit sehr unterschiedlich ausgestalteten Funktionsabläufen konfrontiert. Dadurch wird für den Inhaber der Zahlungsverkehrskarte die Bedienung der Endgeräte erschwert. Außerdem ist die Bedienung der Endgeräte mitunter relativ aufwendig, da sich die vorgehaltenen Funktionsabläufe gleichermaßen an alle Inhaber von geeigneten Zahlungsverkehrskarten wenden.Payment cards are used in a variety of ways, for example, to carry out of transactions of cashless payment by means of a Payment terminals or to withdraw cash by means of a ATMs. These and a number of other applications the payment cards are used in conjunction with end devices, who enter into data exchange with the payment cards and to the execution to control the application's required operations. As each Payment card usually in a variety of different terminals can be used, whereby a deployment abroad is possible, the holder of the payment card may be involved confronted with very differently designed functional sequences. Thereby is for the holder of the payment card, the operation of the terminals difficult. Furthermore is the operation of the terminals sometimes relatively expensive, since the reproached functional sequences equally to all Holders of appropriate payment cards apply.
Der Erfindung liegt die Aufgabe zugrunde, die Ausführung einer Anwendung mittels einer Zahlungsverkehrskarte und eines Endgeräts für den Inhaber der Zahlungsverkehrskarte möglichst optimal zu gestalten.Of the Invention is based on the object, the execution of an application by means a payment card and a terminal for the holder of the payment card preferably optimally designed.
Diese Aufgabe wird durch ein Verfahren mit der Merkmalskombination des Anspruchs 1 gelöst.These Task is by a method with the feature combination of Claim 1 solved.
Beim erfindungsgemäßen Verfahren zur Ausführung einer Anwendung mittels einer Zahlungsverkehrskarte und eines Endgeräts wird zwischen der Zahlungsverkehrskarte und dem Endgerät eine Datenverbindung ausgebildet. Vom Endgerät werden durch ein Anwendungsprogramm vorgegebene Operationen ausgeführt. Die Besonderheit des erfindungsgemäßen Verfahrens besteht darin, dass das Anwendungsprogramm wenigstens partiell in der Zahlungsverkehrskarte implementiert ist.At the inventive method for execution an application by means of a payment card and a terminal is between the payment card and the terminal a data connection educated. From the terminal are performed by an application program predetermined operations. The Particularity of the method according to the invention is that the application program at least partially in the payment card is implemented.
Die Erfindung hat den Vorteil, dass das Anwendungsprogramm auf die Bedürfnisse des Inhabers der Zahlungsverkehrskarte zugeschnitten werden kann und dadurch eine einfach und komfortabel zu bedienende Anwendung zur Verfügung steht. Insbesondere kann dem Inhaber der Zahlungsverkehrskarte stets die gleiche Benutzeroberfläche zur Verfügung gestellt werden, auch wenn er seine Zahlungsverkehrskarte bei verschiedenen Endgeräten einsetzt. Ein weiterer Vorteil besteht darin, dass sich das Spektrum der verfügbaren Anwendungen nahezu beliebig erweitern lässt.The Invention has the advantage that the application program to the needs the holder of the payment card can be tailored and thus an easy and comfortable to use application to disposal stands. In particular, the holder of the payment card can always the same user interface to disposal even if he has his payment card at different terminals starts. Another advantage is that the spectrum the available Extend applications almost as you like.
Die Vorgabe der auszuführenden Operationen kann über Kommandos erfolgen, die von der Zahlungsverkehrskarte für das Endgerät bereitgestellt werden. Dies hat den Vorteil, dass trotz der Implementierung des Anwendungsprogramms in der Zahlungsverkehrskarte die übliche Betriebsweise beibehalten werden kann.The Specification of the executable Operations can be over Commands provided by the payment card for the terminal become. This has the advantage that, despite the implementation of the Application program in the payment card the usual operation maintained can be.
Im Rahmen der Datenübertragung zwischen der Zahlungsverkehrskarte und dem Endgerät können Maßnahmen getroffen werden, um die Vertraulichkeit und/oder Unversehrtheit von Daten und/oder die Gültigkeit des Absenders der Daten sicherzustellen. Dadurch kann den Sicherheitsbelangen bei Zahlungsverkehrsanwendungen Rechnung getragen werden.in the Frame of data transmission between the payment card and the terminal can take action be taken to the confidentiality and / or integrity of dates and / or validity the sender of the data. This can affect the safety issues be taken into account in payment applications.
In einem bevorzugten Ausführungsbeispiel der Erfindung wird vor Ausführung der Anwendung ermittelt, ob in der Zahlungsverkehrskarte wenigstens ein Teil des Anwendungsprogramms implementiert ist. Weiterhin können vor Ausführung der Anwendung Informationen über vom Endgerät unterstützte Funktionalitäten an die Zahlungsverkehrskarte übermittelt werden. Auf diese Weise ist eine Abstimmung zwischen der Zahlungsverkehrskarte und dem Endgerät möglich, so dass Fehler weitgehend vermieden werden können.In a preferred embodiment of Invention will be prior to execution the application determines whether in the payment card at least a part of the application program is implemented. Furthermore, before execution the application information about from the terminal supported functionalities to the Payment card transmitted become. In this way is a vote between the payment card and the terminal possible, so that mistakes can be largely avoided.
Im Rahmen des erfindungsgemäßen Verfahrens kann das Anwendungsprogramm vom Endgerät gestartet werden. Ebenso ist es auch möglich, dass vom Inhaber der Zahlungsverkehrskarte eines von mehreren Anwendungsprogrammen für die Ausführung ausgewählt wird. Somit besteht sowohl die Möglichkeit eines automatischen Starts der Anwendung als auch einer aktiven Auswahl unter mehreren Anwendungen.in the Framework of the method according to the invention the application program can be started by the terminal. As well it is also possible that the holder of the payment card one of several application programs for the execution selected becomes. Thus, there is the possibility an automatic start of the application as well as an active one Choice among several applications.
Um eine möglichst optimale Abstimmung auf den Inhaber der Zahlungsverkehrskarte zu ermöglichen, kann das Anwendungsprogramm persönliche Voreinstellungen des Inhabers der Zahlungsverkehrskarte aufweisen.Around one possible optimal vote on the holder of the payment card too enable, The application can set personal presets the holder of the payment card.
Das erfindungsgemäße System weist wenigstens eine Zahlungsverkehrskarte und wenigstens ein Endgerät auf, die über Mittel zur Ausbildung einer Datenverbindung untereinander verfügen. Das Endgerät ist in der Lage, durch ein Anwendungsprogramm vorgegebene Operationen auszuführen.The inventive system has at least one payment card and at least one terminal, which via means to establish a data connection with each other. The terminal is in able to execute operations given by an application program.
Das erfindungsgemäße System zeichnet sich dadurch aus, dass das Anwendungsprogramm wenigstens partiell in der Zahlungsverkehrskarte implementiert ist.The inventive system is characterized in that the application program at least partially in the payment card in is completed.
Beim erfindungsgemäßen System kann durch einen Satz von Kommandos und/oder Prozeduren eine Schnittstelle zwischen der Zahlungsverkehrskarte und dem Endgerät ausgebildet sein. Dies ermöglicht eine Abwärtskompatibilität der Komponenten des erfindungsgemäßen Systems mit bereits existierenden Systemen.At the inventive system can interface through a set of commands and / or procedures formed between the payment card and the terminal be. this makes possible backward compatibility of the components of the system according to the invention with already existing systems.
Die Erfindung wird nachstehend anhand des in der Zeichnung dargestellten Ausführungsbeispiels erläutert.The Invention will be described below with reference to the drawing Embodiment explained.
Die
einzige Fig. zeigt eine Blockdarstellung eines Ausführungsbeispiels
der Erfindung. In der Fig. sind eine Zahlungsverkehrskarte
Zur
Ausführung
einer Anwendung wird die in der Fig. dargestellte Kopplung zwischen
der Zahlungsverkehrskarte
Mit
der vorstehend beschriebenen Vorgehensweise wird es beispielsweise
ermöglicht,
dass der Inhaber der Zahlungsverkehrskarte
In
einer Abwandlung der Erfindung sind die Anwendungsprogramme
Claims (10)
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
DE2003155644 DE10355644A1 (en) | 2003-11-28 | 2003-11-28 | Cash transaction executing method, involves using data, by terminal device, to find whether application program is executable within pay transaction card, and sending information of device functionalities to card if program is executable |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
DE2003155644 DE10355644A1 (en) | 2003-11-28 | 2003-11-28 | Cash transaction executing method, involves using data, by terminal device, to find whether application program is executable within pay transaction card, and sending information of device functionalities to card if program is executable |
Publications (1)
Publication Number | Publication Date |
---|---|
DE10355644A1 true DE10355644A1 (en) | 2005-06-23 |
Family
ID=34609371
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
DE2003155644 Withdrawn DE10355644A1 (en) | 2003-11-28 | 2003-11-28 | Cash transaction executing method, involves using data, by terminal device, to find whether application program is executable within pay transaction card, and sending information of device functionalities to card if program is executable |
Country Status (1)
Country | Link |
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DE (1) | DE10355644A1 (en) |
Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5212369A (en) * | 1990-01-25 | 1993-05-18 | Gemplus Card International | Method of loading applications programs into a memory card reader having a microprocessor, and a system for implementing the method |
JPH06290312A (en) * | 1993-03-31 | 1994-10-18 | Toppan Printing Co Ltd | Ic card terminal equipment |
WO1995004328A1 (en) * | 1993-07-30 | 1995-02-09 | Intellect Australia Pty. Ltd. | Device and method for ic cards |
DE19909674A1 (en) * | 1999-03-05 | 2000-09-07 | Satronic Ag Dielsdorf | Control device and memory card for a control device |
EP1308882A1 (en) * | 2000-07-07 | 2003-05-07 | Fujitsu Limited | Ic card terminal device |
-
2003
- 2003-11-28 DE DE2003155644 patent/DE10355644A1/en not_active Withdrawn
Patent Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5212369A (en) * | 1990-01-25 | 1993-05-18 | Gemplus Card International | Method of loading applications programs into a memory card reader having a microprocessor, and a system for implementing the method |
JPH06290312A (en) * | 1993-03-31 | 1994-10-18 | Toppan Printing Co Ltd | Ic card terminal equipment |
WO1995004328A1 (en) * | 1993-07-30 | 1995-02-09 | Intellect Australia Pty. Ltd. | Device and method for ic cards |
DE19909674A1 (en) * | 1999-03-05 | 2000-09-07 | Satronic Ag Dielsdorf | Control device and memory card for a control device |
EP1308882A1 (en) * | 2000-07-07 | 2003-05-07 | Fujitsu Limited | Ic card terminal device |
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Legal Events
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OM8 | Search report available as to paragraph 43 lit. 1 sentence 1 patent law | ||
8141 | Disposal/no request for examination |