WO2003096286A3 - Method to pay with a smart card - Google Patents

Method to pay with a smart card

Info

Publication number
WO2003096286A3
WO2003096286A3 PCT/IB2003/001723 IB0301723W WO03096286A3 WO 2003096286 A3 WO2003096286 A3 WO 2003096286A3 IB 0301723 W IB0301723 W IB 0301723W WO 03096286 A3 WO03096286 A3 WO 03096286A3
Authority
WO
WIPO (PCT)
Prior art keywords
value unit
data carrier
stored
debit
payment
Prior art date
Application number
PCT/IB2003/001723
Other languages
French (fr)
Other versions
WO2003096286A2 (en
Inventor
Christian Lackner
Stefan Eder
Original Assignee
Koninkl Philips Electronics Nv
Christian Lackner
Stefan Eder
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 Koninkl Philips Electronics Nv, Christian Lackner, Stefan Eder filed Critical Koninkl Philips Electronics Nv
Priority to AU2003219463A priority Critical patent/AU2003219463A1/en
Priority to EP03715275.8A priority patent/EP1512125B1/en
Priority to US10/514,154 priority patent/US7870073B2/en
Priority to JP2004504194A priority patent/JP2005525646A/en
Publication of WO2003096286A2 publication Critical patent/WO2003096286A2/en
Publication of WO2003096286A3 publication Critical patent/WO2003096286A3/en

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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
    • G07B15/00—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points
    • G07B15/06—Arrangements for road pricing or congestion charging of vehicles or vehicle users, e.g. automatic toll systems
    • G07B15/063—Arrangements for road pricing or congestion charging of vehicles or vehicle users, e.g. automatic toll systems using wireless information transmission between the vehicle and a fixed station

Abstract

A payment method (BV) executed by a communication facility (1, 2, 8, N) and at least one data carrier (11, 12, K) for debiting a payment value unit (BW) from the data carrier (11, 12, K), in order to pay for a performed service, wherein the following steps are executed: debit from a memory value unit (SW) stored in the data carrier (11, 12, K), of a debit value unit (A W) sufficient for payment for the maximum service to be performed, wherein a repayment limit (RL) stored in the data carrier (11, 12, K) is set to the value in essence of the debited debit value unit (A W); calculation of a credit value unit (A WE) to be credited back, wherein the payment value unit (BW) to be paid for the actually performed service is subtracted from the debited debit value unit (A WE); check by the data carrier (11, 12, K), that the credit value unit (AWE) to be. credited does not exceed the stored repayment limit (RL), wherein only in this case is the credit value unit (AWE) credited to the memory value unit (SW) stored in the data carrier (11, 12, K).
PCT/IB2003/001723 2002-05-10 2003-04-23 Method to pay with a smart card WO2003096286A2 (en)

Priority Applications (4)

Application Number Priority Date Filing Date Title
AU2003219463A AU2003219463A1 (en) 2002-05-10 2003-04-23 Method to pay with a smart card
EP03715275.8A EP1512125B1 (en) 2002-05-10 2003-04-23 Method to pay with a smart card
US10/514,154 US7870073B2 (en) 2002-05-10 2003-04-23 Method to pay with a smart card
JP2004504194A JP2005525646A (en) 2002-05-10 2003-04-23 Payment method with smart card

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
EP02100474 2002-05-10
EP02100474.2 2002-05-10

Publications (2)

Publication Number Publication Date
WO2003096286A2 WO2003096286A2 (en) 2003-11-20
WO2003096286A3 true WO2003096286A3 (en) 2005-01-13

Family

ID=29414796

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IB2003/001723 WO2003096286A2 (en) 2002-05-10 2003-04-23 Method to pay with a smart card

Country Status (6)

Country Link
US (1) US7870073B2 (en)
EP (1) EP1512125B1 (en)
JP (1) JP2005525646A (en)
CN (1) CN100520832C (en)
AU (1) AU2003219463A1 (en)
WO (1) WO2003096286A2 (en)

Families Citing this family (14)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2008181483A (en) * 2006-12-28 2008-08-07 Metropolitan Expressway Co Ltd Toll collection management system and toll collection management method
US20080289495A1 (en) 2007-05-21 2008-11-27 Peter Eisenberger System and Method for Removing Carbon Dioxide From an Atmosphere and Global Thermostat Using the Same
US8500857B2 (en) 2007-05-21 2013-08-06 Peter Eisenberger Carbon dioxide capture/regeneration method using gas mixture
US20140130670A1 (en) 2012-11-14 2014-05-15 Peter Eisenberger System and method for removing carbon dioxide from an atmosphere and global thermostat using the same
US8163066B2 (en) 2007-05-21 2012-04-24 Peter Eisenberger Carbon dioxide capture/regeneration structures and techniques
US7567920B2 (en) 2007-11-01 2009-07-28 Visa U.S.A. Inc. On-line authorization in access environment
JP4914842B2 (en) * 2008-01-17 2012-04-11 首都高速道路株式会社 Toll collection management system and toll collection management method
JP2010224696A (en) * 2009-03-19 2010-10-07 Fujitsu Ltd Article lending processing system, article lending processing method, and article lending processing program
CN102024288B (en) * 2009-09-11 2014-02-26 中国银联股份有限公司 Safe payment method and system using smart card
US9028592B2 (en) 2010-04-30 2015-05-12 Peter Eisenberger System and method for carbon dioxide capture and sequestration from relatively high concentration CO2 mixtures
EP3653282A1 (en) 2010-04-30 2020-05-20 Peter Eisenberger System and method for carbon dioxide capture and sequestration
US20130095999A1 (en) 2011-10-13 2013-04-18 Georgia Tech Research Corporation Methods of making the supported polyamines and structures including supported polyamines
US11059024B2 (en) 2012-10-25 2021-07-13 Georgia Tech Research Corporation Supported poly(allyl)amine and derivatives for CO2 capture from flue gas or ultra-dilute gas streams such as ambient air or admixtures thereof
AU2014373727B2 (en) 2013-12-31 2019-04-11 Chichilnisky, Graciela Rotating multi-monolith bed movement system for removing CO2 from the atmosphere

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2503423A1 (en) * 1981-03-31 1982-10-08 Flonic Sa Electronic memory for telephone prepaid transaction card - uses encoded memory to validate alteration of credit balance in on-card non-volatile memory
US4822984A (en) * 1985-12-02 1989-04-18 Patrick Remery Process for electronic payment using a memory
WO1997030421A1 (en) * 1996-02-14 1997-08-21 Pom, Inc. Refund option on parking card
US20020019807A1 (en) * 1991-07-17 2002-02-14 Halpern John W. Electronic travel pass

Family Cites Families (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP3552171B2 (en) * 1994-06-21 2004-08-11 富士通株式会社 Automatic charge settlement system and storage medium with wireless communication function for the system, frequency conversion device for the system, writing device for the system, settlement device for the system, payment device for the system, and inquiry device for the system
IL121192A0 (en) * 1997-06-30 1997-11-20 Ultimus Ltd Processing system and method for a heterogeneous electronic cash environment
US6003014A (en) * 1997-08-22 1999-12-14 Visa International Service Association Method and apparatus for acquiring access using a smart card
US6505774B1 (en) * 1998-12-09 2003-01-14 Miti Manufacturing Company Automated fee collection and parking ticket dispensing machine
WO2001063439A1 (en) * 2000-02-22 2001-08-30 Elik Szewach Regulation of gaming systems
US20030208439A1 (en) * 2002-05-03 2003-11-06 Rast Rodger H. Automated soft limit control of electronic transaction accounts

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2503423A1 (en) * 1981-03-31 1982-10-08 Flonic Sa Electronic memory for telephone prepaid transaction card - uses encoded memory to validate alteration of credit balance in on-card non-volatile memory
US4822984A (en) * 1985-12-02 1989-04-18 Patrick Remery Process for electronic payment using a memory
US20020019807A1 (en) * 1991-07-17 2002-02-14 Halpern John W. Electronic travel pass
WO1997030421A1 (en) * 1996-02-14 1997-08-21 Pom, Inc. Refund option on parking card

Also Published As

Publication number Publication date
EP1512125A2 (en) 2005-03-09
AU2003219463A1 (en) 2003-11-11
JP2005525646A (en) 2005-08-25
CN1682249A (en) 2005-10-12
US20060178989A1 (en) 2006-08-10
US7870073B2 (en) 2011-01-11
EP1512125B1 (en) 2019-02-20
AU2003219463A8 (en) 2003-11-11
WO2003096286A2 (en) 2003-11-20
CN100520832C (en) 2009-07-29

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