System for conducting transactions with a multifunctional card having an electronic purse
First Claim
1. A system for conducting transactions, said system comprising:
- (a) a multi-functional card having an integrated circuit which contains a bank application associated with a bank and at least one purse application associated with a services supplier or dealer; and
(b) an apparatus comprising means for loading transaction data representing at least a selectable sum of money into the purse application by transmitting the transaction data from the apparatus to the card and transferring the sum from the bank application to the purse application within the integrated circuit of the card;
said multifunctional card further comprising;
means for preparing a transaction certificate from the transaction data within the bank application using secret data known only to the bank or stored in the bank application and for transmitting the transaction certificate to the purse application;
means for authenticating the transaction certificate within the purse application to produce an authenticated transaction certificate, transmitting the authenticated transaction certificate from the purse application to the apparatus, and receiving from the apparatus a confirmation signal confirming that the apparatus has received the authenticated transaction certificate; and
means for loading the sum of money into the purse application only when the apparatus confirms that the apparatus has received the authenticated transaction certificate.
1 Assignment
0 Petitions
Accused Products
Abstract
In a system for conducting transactions with a multifunctional card having an integrated circuit, the circuit contains a bank application associated with the user'"'"'s account-keeping bank and at least one purse application associated with a services supplier or manufacturer. With the aid of an apparatus communicating with the card, the card user can load a selectable sum of money into the purse application. The purse supplier is provided with a transaction certificate about the sum loaded in the purse and to be credited to the purse supplier'"'"'s account, without a need for storing the secret data necessary for preparing this certificate in the purse application or in the purse terminal.
53 Citations
7 Claims
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1. A system for conducting transactions, said system comprising:
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(a) a multi-functional card having an integrated circuit which contains a bank application associated with a bank and at least one purse application associated with a services supplier or dealer; and (b) an apparatus comprising means for loading transaction data representing at least a selectable sum of money into the purse application by transmitting the transaction data from the apparatus to the card and transferring the sum from the bank application to the purse application within the integrated circuit of the card; said multifunctional card further comprising; means for preparing a transaction certificate from the transaction data within the bank application using secret data known only to the bank or stored in the bank application and for transmitting the transaction certificate to the purse application; means for authenticating the transaction certificate within the purse application to produce an authenticated transaction certificate, transmitting the authenticated transaction certificate from the purse application to the apparatus, and receiving from the apparatus a confirmation signal confirming that the apparatus has received the authenticated transaction certificate; and means for loading the sum of money into the purse application only when the apparatus confirms that the apparatus has received the authenticated transaction certificate. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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Specification