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WO1992004694A1 - Procede et dispositif de teletransmission confidentielle de donnees - Google Patents

Procede et dispositif de teletransmission confidentielle de donnees Download PDF

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Publication number
WO1992004694A1
WO1992004694A1 PCT/DE1991/000673 DE9100673W WO9204694A1 WO 1992004694 A1 WO1992004694 A1 WO 1992004694A1 DE 9100673 W DE9100673 W DE 9100673W WO 9204694 A1 WO9204694 A1 WO 9204694A1
Authority
WO
WIPO (PCT)
Prior art keywords
read
code
write
information carrier
memory
Prior art date
Application number
PCT/DE1991/000673
Other languages
German (de)
English (en)
Inventor
Hans Schreiber
Original Assignee
Hans Schreiber
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 Hans Schreiber filed Critical Hans Schreiber
Publication of WO1992004694A1 publication Critical patent/WO1992004694A1/fr

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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
    • G07F7/10—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
    • 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
    • G06Q20/30—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 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
    • G06Q20/40975—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners using encryption therefor
    • 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
    • G07F7/0873—Details of the card reader
    • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction

Definitions

  • the invention relates to a method and device for secure remote data transmission with a focus on cashless money transactions.
  • Long-distance data transmission networks are known, e.g. B. the normal telephone line, Telex, Datex, ISDN and the like.
  • the task of these networks is to communicate using the simplex, half-duplex or duplex method. So z. B. lately especially the fax system around itself, in which texts or graphical representations are transmitted over the telephone line via appropriate transceivers.
  • PIN number personal identification number
  • the present invention is therefore based on the object of creating a method and device which enables such discrete information transmission and can be used in particular cases for cashless money transactions, the security risk against misuse being minimized. Further areas of application are, for example, hotel room reservations, search messages and the like.
  • an information carrier is provided with information in addition to the fixed memory recognition by means of a read / write unit, which legitimizes the user that the information carrier for data communication and / or recording or for Payment transactions are suitable and protected against misuse by providing them with a calculable and constantly changing inrii vi H ⁇ qi rode, and that the information carrier communicates via data transmission networks at least with another information carrier or at least one read / write unit or directly from a read / write unit is contacted and read via its interface.
  • the information carrier e.g. via telephone line with integrated information carrier, read / write unit and modem, its information is passed on to the receiver and that the telephone network on the receiver side also activates a modem with a downstream read / write unit and the information about the compatible interfaces of the receiver read / write unit and the Recipient information carrier dubbed on this.
  • the information content extends over payment transactions, bookings, reservations, search reports, etc., whereby higher-level central data processing systems are preferably addressed via long-distance transmission networks by means of special information carriers.
  • the comparison of the identity of the read-only memory PIN number, with at least the read-only memory being part of the information carrier, with the read-in PIN number releases the latter for use, as a result of which a random generator number entered by a random code generator or a number already coded or the like is encoded or converted with at least one further random generator number or the like, and wherein the Information carrier forwards a modified, ie newly calculated, coding with the information to be transmitted and that after the code has been forwarded, it is re-encoded for subsequent use.
  • a read / write unit feeds the information carrier information to a modem, a further modem being coupled on the receiver side to at least one further read / write unit which processes or makes the information visible, or in whole or in part, encrypts or on another information carrier transmits unencrypted.
  • the transmitter information carrier is preferably provided with an additional coding, e.g. B. from at least one random number generator number with subsequent arithmetic coding by means of a read / write unit or the like, but the coding for reading or using the information carrier of the read / write unit can also be entered and transmitted by the information carrier.
  • a programmed cash balance is debited from a resource account via a code number or a code transmission and stored on at least one read / write memory of the information carrier, with access to the read / write memory only when the current codes on-line to the bank is possible and that a special account of the bank is preferably assigned to each read / write memory with credit so that only the maximum amount of this account can be tapped in the event of misuse.
  • the debiting process is preferably carried out online to the bank and the remaining credit of the respective read / write memory is then updated by the bank with a new code.
  • the information carrier establishes the on-1-in-connection during payment transactions via its program and its interface, whereby preferably a code calculated by means of a read / write unit is transmitted and, at the bank's own account, it is ultimately checked for legitimation by identical computing steps.
  • the information carrier After a specified number of uses of the information carrier as a means of payment off-line, its calculated code is overwritten on-line by the corresponding bank at least with a new random generator code before further use, whereupon the read / write memory credit and thus the special account are increased.
  • / write memory of an information carrier the stored there credit is wholly or partially transmitted with coding via telephone line or the like, a further information carrier or a read / write unit with a memory unit, and charged so that at least one write '.
  • the transfer from the special account to the regular operating resources account is preferably carried out by means of information carrier programming. It is also provided that the reference bank, the recipient bank, the debited credit, the card number or the like is made visible and can be acknowledged by means of a display or the like of the read / write units and / or printer.
  • the information content is made visible in whole or in part, unencrypted or encrypted and, if necessary, half or duplex communication is made possible by means of the read / write units.
  • the information carrier preferably establishes the on-1 connection via its program, parts of its memory content and its interface, a code preferably being transmitted and the recipient being checked for legitimation.
  • the verification of the legitimation by means of PIN number confirmation and the coding of the information carrier is carried out via a preferably portable read / write unit, with the information carrier being / being assigned with at least one random generator code in the on-1-in method.
  • the device for carrying out the method provides that, in addition to a microprocessor or semiconductor chip, an information carrier is provided with at least one read-write memory via a BUS system, said chip being suitable for receiving information and / or cash bookings via the interface of the chip and that the chip can be programmed via read / write units and its storage unit (s) can be modified, whereby long-distance transmission networks such as the telephone network are used, the peripheral devices of which are suitable for recording information carriers and are equipped with a modem for the telephone, while digitally operating networks are for a modem waive and a special coding and a data processing system are used to transfer money in cashless money transactions.
  • the telephones are provided with modems and read / write units, the interface of which is compatible with the information carrier interface and which can be used for exact information carrier reception and information transmission.
  • these write / read units like the portable devices, are equipped with an alphanumeric keyboard, display or the like and also have a printer, and that the microprocessor or semiconductor chip contains an arithmetic unit.
  • the peripheral devices When using other transmission networks that work digitally, the peripheral devices are provided with write / read units and are suitable for recording information carriers and are compatible with the information carrier interface. In practice, they are equipped like the devices working for analog operation. Since, in a broader sense, cashless money transactions can also be regarded as information transfer, it is therefore possible with the present invention to transfer, for example, cash credits from information carriers to information carriers via telephone line or other long-distance transmission networks.
  • a money credit is provided on the card by means of a telephone connection to the addressed bank with the aid of a chip card legitimized by confirmation of the PIN number and its code released thereby, at least one random generator code being reported back by the bank overwrites the old code and the amount provided is credited to a special account of the information carrier owner.
  • Such a debiting process can take place in the on-line process after direct and preferably time-limited PIN number confirmation directly via a write-read / read unit, the remaining credit then remaining in the information carrier memory with a new random generator code being overwritten, on the other hand it is conceivable that amounts of money with the appropriate code are transferred to another information carrier via telephone line, being used to protect against misuse whose use as a means of payment of the recipient, the transferred money must be credited to his own account, and the actual booking process is carried out beforehand by the source bank to the recipient bank using the dubbed code.
  • An increased level of security is achieved with the present invention in that the cash deposits debited to corresponding storage units of the information carrier are credited by the bank to at least one special account which is only accessible via the transmitted code, which is converted and thus recoded after the booking process has been completed.
  • the write / read units of the peripheral devices used are preferably provided with an alpha-numeric keyboard and a display or the like, an information carrier holder and with at least one microprocessor with arithmetic unit and memory units, the Interface is compatible with that of the information carrier.
  • a necessary BUS system needs no further mention.
  • Write-Z readers for cashless payment transactions are conceivable as off-line or on-1 ine devices. Their combination via a network with a data processing system is particularly useful. Time savings for the customer and increased security for a commercial enterprise or the like results if, for example, a customer can legitimize his chip card online in a department store, preferably a random number or the like from the on-1 ine device is validly read on the chip card for a limited time. During the on-line query, the customer can make his choice, with his chip card being debited off-line in the case of cashless payment transactions, provided that his or her random number in the memory of the off-1 ine device via the data processing system and the network Proof of legitimation is listed. A display and a printout make the booking process transparent for the customer. Of course, other hedging procedures are conceivable on this or a similar basis.
  • the information carrier is preferably designed as a microprocessor or semiconductor chip card which, in addition to its own power supply with a BUS system, has an arithmetic logic unit and memory units, a clock generator and a timer or the like for the purpose of time-limited legitimation, with the possibility of independently coding read random generator codes.
  • the coding is carried out using separate write / read units, in order not to oversize the chip and to simplify the chip card.
  • Portable read / write units are basically equipped with the same elements as those of the peripheral devices, whereby it should be emphasized that the comparable arithmetic units perform the same operation, and the portable read / write units preferably use at least one timer for the time-limited legitimation of the information carrier via the read PIN code and the associated function keys.
  • microprocessor or semiconductor chip can be designed as a logic memory chip is assumed, the description of elements such as drivers or the like, which are as hardware-specific as accumulators as computer memory, is omitted below.
  • FIG. 1 shows the chip card 1 on which the method and the device are based
  • FIG. 2 shows the corresponding portable write / read unit 2.
  • Figures 3 u. 4 shows an exemplary embodiment of the invention in a schematic illustration with a chip card and portable write / read unit when transferring money to one's own chip card.
  • FIG. 5 shows an embodiment of the invention in a schematic representation, wherein the money transfer from card to card is described.
  • FIG. 6 shows the schematic structure in the communication between transmitter and receiver with the interposition of the respective banks.
  • FIG. 7 shows the schematic structure of a system for cashless payment transactions.
  • FIG. 1 shows the information carrier on which the method according to the invention is based in the form of a chip card 1.
  • the chip 17 is connected to the memories 22 to 31 by means of a data bus system 21, all units being provided with a power supply 32.
  • the chip card 1 has an interface 33 for communication with the write / read unit.
  • In the memory 22 there is the PIN number, which is followed by the write / read memory 23.
  • the memories 24 and 25 are also designed as read / write memories, while the memory 26 is a read-only memory or programmable read-only memory.
  • the memory 27 is designed as a read / write memory or read-only memory or programmable read-only memory and the memories 28 to 30 as a read / write memory.
  • Memory 31 contains owner-specific data as a fixed memory.
  • FIG. 2 shows the portable write / read reader 2. It has a chip 19, a corresponding interface 40 and an arithmetic unit 41, which are connected by means of a data bus system 42 to a display 43, a timer 44, a keyboard 16 with a special keypad 45 and are coupled to a power supply 46. It should be emphasized that the portable write / read unit 2 can be used as a computer by means of the keyboard 16 and the special keyboard 45.
  • the chip card 1 is first programmed via the preferably portable write / read unit 2 by inserting the chip card 1 (arrow direction 51).
  • the write / read reader 2 has a card holder 15.
  • the PIN number has been entered via the keyboard 16 of the write / read reader 2, it is transferred to the write / read reader 23 and is checked for legitimation by means of the memory 22, in which the permanent memory PIN number is located, via the data bus 21 and the interfaces 33 and 40 is eg from the memory 24 the random number 1 or the code
  • This code I is transferred to the memory 25, n + 1
  • the program command created via the keyboard 16 is released by reading it into the memory 28.
  • the instructed credit 1 remains unchanged in the memory 29. Additional bank information can be entered into the memory 30 via the keypad 16.
  • the memory 23 is cleared and the card is removed.
  • the timer 44 is programmed and activated, for example, with the button 47. As a result, the PIN number is held for a defined time.
  • the timer is emptied by means of the clear key 48 and, after the introduction of the chip card 1 into the write / read reader 2, the memories 25, 28 and 30 are emptied and the contents of the memory 25 are rewritten into the memory 24.
  • FIG. 5 shows an embodiment of the transfer from card to card.
  • the chip card 1 is in turn inserted into the portable write / read device 2.
  • the authentication is carried out and via the data bus 21 and
  • Interfaces 33Z40 are converted from memory 24 e.g. the code I in + fetched into arithmetic unit 41.
  • Code III is taken from memory 26. The coding is carried out:
  • I n + x Code III3 X 2 is reduced to 6 digits, for example, and is shown as Code In + 2.
  • Code I r. is transferred to the memory 25. Then n + 2 the random generator number 2 or the code IV is transferred to the arithmetic unit 41. m
  • timer 44 is programmed and activated with key 47, with which the PIN number is held for a defined time, card communication can take place at a later time.
  • the memory 27 for the code IV can be designed as a read-only memory or a programmable read-only memory, or is activated in an online step with its own bank as a write-read / read memory, the code IV being a random number generator m + 1 in the memory 27 is reread.
  • the recipient now selects his bank and transfers the command to transfer the received credit to his operating account.
  • the recipient bank's call back request is now made to the creditor bank. After the connection has been established, the creditor bank transfers the command: Posting amount to bank code, code II.
  • the debtor bank has already calculated and listed codes I (1 to p), whereby a new list is started after each online step by transferring a new ZGN (code I).
  • the old lists are deleted after a defined time.
  • the debtor bank encodes all existing codes I in all lists with the rule recorded above and thus receives the list of codes II. If the creditor's transferred code II matches one of the calculated codes II, the transfer takes place.
  • FIG. 6 again shows a schematic exemplary embodiment of the data transfer in addition to the device according to the invention with the involvement of the banks.
  • the method according to the invention and the associated device are subject to two possible variants, on the one hand the chip card 1 being designed such that it carries out the computing operations or on the other hand the required computing operations are carried out by a write / read unit 2.
  • the chip card 1 itself carries out the arithmetic operations, then, in addition to the microprocessor 17, it preferably requires programmable read-only memories and further write-read / write memories, a power supply, a clock generator and, if appropriate, time-legitimating units, an interface and an arithmetic unit and bus system.
  • the associated write-Z reader unit 2 In addition to a power supply, the associated write-Z reader unit 2 then requires the chip, write-Z reader units, a keypad, a display or the like, a card holder and an interface and a BUS system.
  • the write / read unit 2 in which the write / read unit 2 carries out the arithmetic operation, it additionally has an arithmetic unit and memory units, it being possible for at least the arithmetic unit to be dispensed with in the chip card.
  • the write / read units 2Z2a themselves are preferably connected to the telephone 1 or the like in stationary on-line operation, but can also be operated separately in a stationary manner and in this form also for off-line Suitable application, with an additional storage unit such as floppy disk or the like takes over the time-shifted data transfer.
  • Portable write / read units 2 are mainly used for discrete PIN number confirmation and are suitable for legitimizing the information carrier for a defined period of time with a corresponding key, for which an integrated timer or the like is suitable.
  • the exemplary embodiment below describes a variant in which the write / read unit 2 carries out the write / compute operation.
  • the transmitter S is in possession of a chip card 1 which, in addition to a fixed memory identification (PIN number), has a memory for bank-specific information and a memory for the coding.
  • PIN number a fixed memory identification
  • the aforementioned memories have the reference numerals 22-31.
  • the chip card 1 is shown enlarged here and is inserted into the card holder 15 of the portable write-Z reader unit 2, via the preferably alphanumeric keypad 16, the user now first enters the PIN number.
  • the integrated chip (19) confirms the legitimation.
  • the chip 19 then activates the arithmetic unit 20 and the coding is carried out as previously described. After inserting the programmed chip card 1 into the receptacle 15a of the write-read / read unit 2a, the connection to one's own bank or to one's own account 10 is established via the modem 3 and the data network 9 when the data processing system 14 passes through.
  • the amount instructed passes through the account 10, with which payment information, sender identification, etc. are transmitted. Only after the actual booking process from bank to bank can the recipient "E” transfer the amount instructed to his bank account for use as a means of payment to a special account, his own PIN number being used, and a new code I being transmitted by his bank becomes. This means that the transfer routes and bookings can be traced at any time.
  • the sender code is further coded by recipient-specific data. It is conceivable that, for example, the code number 61696 is multiplied by the amount debited, the account number and the bank code of the recipient and the number sequence then on z. B. eight digits is reduced. A subsequent addition of a further 8-digit code number (Code IV) and a possibly necessary reduction to 8 digits results in Code II. It is important to note that during the reduction, for example, all zero digits are converted to any value from 1 to 9 .
  • the relevant bank Since the relevant bank can calculate the normal coding in advance, it is multiplied by all calculated codes I that are still up-to-date with the recipient data (the debit amount, account number x bank code) and the subsequent digit reduction or addition as described if the lawful use of
  • Recipient information carrier identify the code and legitimize the process.
  • Figure 7 shows the schematic structure of a system for cashless payment transactions.
  • the Off-1 ine devices 2a with their information carrier receptacle 15a are connected via the interfaces 52 to the network 54, which is shown here under construction, and via the interface 52 to the data processing system.
  • the on-line devices 2a are here also coupled in a tree structure to the data processing system via the interface 55, the interface 56 representing the transition from the network 54 to the on-line devices 2a. While with the Off-1 ine devices the on-1-in devices show the random number generator 57 and the timer 58 as a special feature.
  • the present invention provides a method and a device with which it is possible to store confidential information which, on the one hand, is only accessible with legitimation information and, on the other hand, also enables a payment process or the like with instruction and identification information, which is also comprehensible , but identifies the creditor bank and the creditor account as mandatory data information, so that even if the data network is misused, the payment instruction cannot be derived from an unauthorized account. This also completely eliminates bank errors.

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Un procédé et un dispositif sont utiles pour la télétransmission confidentielle de données, de préférence pour les transactions monétaires par virement. Un support d'informations est pourvu, au moyen d'une unité de lecture/écriture, d'une information pouvant être appelée, en plus de l'indicatif d'identification de la mémoire fixe, cette information authentifiant l'utilisateur. Le support d'informations est donc adapté à la transmission de données et aux transactions financières et protégé contre des abus par un code individuel qui lui est affectué. Le support d'informations répond par des réseaux de télétransmission de données à au moins un autre support d'informations ou au moins une unité de lecture/écriture, ou est directement contacté et lu par une unité de lecture/écriture au moyen de l'interface de celle-ci. Lors de transferts monétaires, un codage supplémentaire rend l'opération et le procédé comptable interbancaire confidentiels, rendant des erreurs comptables par la banque pratiquement impossibles pendant des transactions monétaires, tout en éliminant entièrement des manipulations frauduleuses pendant le pur fonctionnement en ligne par des supports d'informations 'à découvert', comme c'est le cas actuellement de chèques 'sans provision'. En outre, des horloges, de préférence d'unités portables de lecture/écriture, permettent de limiter dans le temps le stockage de numéros d'identification personnelle programmés qui servent à authentifier des supports d'informations reçus.
PCT/DE1991/000673 1990-09-01 1991-08-24 Procede et dispositif de teletransmission confidentielle de donnees WO1992004694A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE19904027735 DE4027735A1 (de) 1990-09-01 1990-09-01 Verfahren und vorrichtung zur gesicherten datenfernuebermittlung
DEP4027735.6 1990-09-01

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Publication Number Publication Date
WO1992004694A1 true WO1992004694A1 (fr) 1992-03-19

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NL1004249C2 (nl) * 1996-10-11 1998-04-15 Datelnet Smart Services B V Systeem met een computer en een aantal draagbare terminals voor een smart card, alsmede terminal voor toepassing in dit systeem.
WO1998011518A3 (fr) * 1996-09-16 1998-04-23 Aps Advanced Payment Systems A Systeme et mode de paiement sans especes
WO2000011624A1 (fr) * 1998-08-25 2000-03-02 Telefonaktiebolaget Lm Ericsson (Publ) Portefeuille electronique pour carte a microprocesseur

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DE4335161A1 (de) * 1993-10-15 1995-04-20 Joachim Linz Verfahren und Anlage zur Authentisierung von über ein Telefonnetz herstellbaren Verbindungen
DE4406590C2 (de) * 1994-03-01 2001-05-31 Deutsche Telekom Ag System zur Authentifizierung von Anrufern
DE9408766U1 (de) * 1994-05-28 1994-08-11 SIGMA Gesellschaft für Systementwicklung und Datenverarbeitung mbH, 09111 Chemnitz Multifunktionale EDV-Telefonanlage

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WO1985003787A1 (fr) * 1984-02-14 1985-08-29 Peter White Systeme electronique de securite pour transactions
WO1990004239A1 (fr) * 1988-10-12 1990-04-19 Electronique Serge Dassault Dispositif pour la transmission a distance d'informations d'identification et/ou de valeur
EP0374012A1 (fr) * 1988-12-07 1990-06-20 ETAT FRANCAIS représenté par le Ministre des Postes, Télécommunications et de l'Espace Dispositif d'authentification pour serveur interactif

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Publication number Priority date Publication date Assignee Title
EP0032193A1 (fr) * 1979-12-28 1981-07-22 International Business Machines Corporation Appareil de communication
EP0131906A2 (fr) * 1983-07-15 1985-01-23 Tandem Computers Incorporated Terminal bancaire de poche; procédé et système d'utilisation
WO1985003787A1 (fr) * 1984-02-14 1985-08-29 Peter White Systeme electronique de securite pour transactions
WO1990004239A1 (fr) * 1988-10-12 1990-04-19 Electronique Serge Dassault Dispositif pour la transmission a distance d'informations d'identification et/ou de valeur
EP0374012A1 (fr) * 1988-12-07 1990-06-20 ETAT FRANCAIS représenté par le Ministre des Postes, Télécommunications et de l'Espace Dispositif d'authentification pour serveur interactif

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998011518A3 (fr) * 1996-09-16 1998-04-23 Aps Advanced Payment Systems A Systeme et mode de paiement sans especes
NL1004249C2 (nl) * 1996-10-11 1998-04-15 Datelnet Smart Services B V Systeem met een computer en een aantal draagbare terminals voor een smart card, alsmede terminal voor toepassing in dit systeem.
WO1998016908A1 (fr) * 1996-10-11 1998-04-23 Datelnet Intellectual Property B.V. Systeme comportant un ordinateur et plusieurs terminaux portables pour carte a puce, et terminal utilise dans un tel systeme
AU720416B2 (en) * 1996-10-11 2000-06-01 De Cooperatieve Centrale Raiffeisen-Boerenleenbank B.A. System comprising a computer and a number of portable terminals for a smart card, as well as a terminal to be used in this system
WO2000011624A1 (fr) * 1998-08-25 2000-03-02 Telefonaktiebolaget Lm Ericsson (Publ) Portefeuille electronique pour carte a microprocesseur

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