DE4308597A1 - Electronic bank account unit with inter account link - provided by infrared communication with units having keyboard display and built in processing. - Google Patents

Electronic bank account unit with inter account link - provided by infrared communication with units having keyboard display and built in processing.

Info

Publication number
DE4308597A1
DE4308597A1 DE19934308597 DE4308597A DE4308597A1 DE 4308597 A1 DE4308597 A1 DE 4308597A1 DE 19934308597 DE19934308597 DE 19934308597 DE 4308597 A DE4308597 A DE 4308597A DE 4308597 A1 DE4308597 A1 DE 4308597A1
Authority
DE
Germany
Prior art keywords
unit
electronic wallet
units
added
electro
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
DE19934308597
Other languages
German (de)
Inventor
Marc Bode
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.)
BODE, MARC, 23795 BAD SEGEBERG, DE
Original Assignee
Marc Bode
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 Marc Bode filed Critical Marc Bode
Priority to DE19934308597 priority Critical patent/DE4308597A1/en
Publication of DE4308597A1 publication Critical patent/DE4308597A1/en
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/0723—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
    • G06K19/0728—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs the arrangement being an optical or sound-based communication interface
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/0701—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising an arrangement for power management
    • G06K19/0702—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising an arrangement for power management the arrangement including a battery
    • G06K19/0704—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising an arrangement for power management the arrangement including a battery the battery being rechargeable, e.g. solar batteries
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07701—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction
    • G06K19/07703—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being visual
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07749—Constructional details, e.g. mounting of circuits in the carrier the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/10—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
    • G06K7/10544—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation by scanning of the records by radiation in the optical part of the electromagnetic spectrum
    • G06K7/10821—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation by scanning of the records by radiation in the optical part of the electromagnetic spectrum further details of bar or optical code scanning devices
    • G06K7/1097—Optical sensing of electronic memory record carriers, such as interrogation of RFIDs with an additional optical interface
    • 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
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3572—Multiple accounts on card
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/381—Currency conversion
    • 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

Abstract

An electronic bank account unit has the general form of a pocket calculator, with a keyboard and display. Solar cells (2) power the unit and an LCD display (5) provides read out. Internally the unit has a CPU system, with a RAM memory for storage of transactions, and input/output stages. Two such units may communicate with each other using an infrared signal bidirectional transmission. ADVANTAGE - Allows communication between two different account holder systems.

Description

Die Erfindung betrifft ein elektronisches Portemonnaie für den münz- und papiergeldlosen Zahlungsverkehr nach Patentanspruch 1.The invention relates to an electronic wallet for the coin and paperless payments Claim 1.

Es ist bekannt, den münz- und papiergeldlosen Zahlungsver­ kehr durch Kreditkarten vorzunehmen. Nachteil: Zwei Kreditkarteninhaber können nicht ohne weitere Hilfs­ mittel oder Hilfsgeräte einen Zahlungsvorgang miteinander vornehmen.It is known the coin and paperless payment method return through credit cards. Disadvantage: Two credit card holders cannot go without further help means or auxiliary devices a payment transaction with each other make.

Der im Patentanspruch 1 angegebenen Erfindung liegt das Pro­ blem zugrunde, den münz- und papiergeldlosen Zahlungsverkehr direkt zwischen zwei Besitzern elektronischer Portemonnaies zu ermöglichen, ohne daß dafür weitere Hilfsmittel erforder­ lich sind.The invention specified in claim 1 is the pro blem, the coin and paperless payments directly between two owners of electronic wallets to enable without the need for additional tools are.

Das Problem wird durch die in Patentanspruch 1 aufgeführten Merkmale gelöst.The problem is caused by those listed in claim 1 Features solved.

Besitzer elektronischer Portemonnaies können somit münz- und papiergeldlosen Zahlungsverkehr betreiben, ohne weitere Hilfsmittel zu benötigen.Owners of electronic wallets can therefore use coins and Operate paperless payments without further Need aids.

Vorteilhafte Ausgestaltungen der Erfindung gehen aus den Unteransprüchen hervor.Advantageous embodiments of the invention are shown in the Sub-claims emerge.

Im folgenden werden die Erfindung und deren Ausgestaltung im Zusammenhang mit den Figuren näher erläutert.In the following the invention and its configuration in Connection in connection with the figures explained.

Es zeigtIt shows

Fig. 1 das Blockschaltbild einer Ausführungsform einer erfin­ dungsgemäßen Kombination von Blockeinheiten aus Haupt- und Unteransprüchen. Fig. 1 shows the block diagram of an embodiment of an inventive inventive combination of block units from the main and subclaims.

Fig. 2 die Anordnung und Ausgestaltung der sichtbaren Ein­ heiten eines elektronischen Portemonnaies, welches nach Blockschaltbild (Fig. 1) aufgebaut ist. Fig. 2 shows the arrangement and design of the visible units of an electronic wallet, which is constructed according to a block diagram ( Fig. 1).

Fig. 3 die Anordnung zweier elektronischer Portemonnaies (Fig. 1) für den Zahlungsvorgang. Fig. 3 shows the arrangement of two electronic wallets ( Fig. 1) for the payment process.

Gemäß Fig. 1 ist die Übertragungseinrichtung (1) mit der Mikroprozessoreinheit (4) verbunden, welche die Einheiten Geldbetragsspeicher/Währungsspeicher (5), Eingabe (6),, Ausgabe (7) und Sicherheitseinrichtung (8) sowie die Über­ tragungseinrichtung selbst koordiniert.According to Fig. 1, the transmission device ( 1 ) is connected to the microprocessor unit ( 4 ), which coordinates the units of money storage / currency storage ( 5 ), input ( 6 ), output ( 7 ) and security device ( 8 ) and the transmission device itself.

Mit Strom versorgt werden alle Einheiten über die Stromver­ sorgung (2), die über eine Ein-/Ausschalteinheit (3) mit der Mikroprozessoreinheit verbunden ist. Die Mikroprozessorein­ heit teilt den übrigen Einheiten den Strom zu.All units are supplied with power via the power supply ( 2 ), which is connected to the microprocessor unit via an on / off switch ( 3 ). The microprocessor unit allocates the current to the other units.

Die Sicherheitseinrichtung kannte in Europa z. B. durch einen Funkuhrempfänger realisiert werden, dessen Zeitsignal im Multiplexverfahren mit übertragen wird. The security device knew in Europe z. B. by a Radio clock receiver can be realized, the time signal in Multiplex procedure is transmitted with.  

Gemäß Fig. 2 sind sichtbare Einheiten angeordnet, die eine für den heute technischen Stand vorteilhafte, weil einfach zu realisierende Ausführung darstellen.According to FIG. 2, visible units are arranged which represent an embodiment which is advantageous for today's technical level because it is easy to implement.

Die elektrooptische Übertragungseinrichtung (1) beinhaltet eine Infrarot-Sende- und Empfangsdiode. Die Stromversorgung erfolgt über Solarzellen, wobei eine Abschaltung durch die Ein-/Ausschalteinheit (3) ermöglicht wird. Die Eingabe­ einheit (4), Tastenblock mit elektrischen Kontakten, ist in die Bereiche Ziffernblock, Rechenfunktionen und Funktions­ tasten gegliedert. Die Anzeigeeinheit (5) ist als LCD ausge­ führt.The electro-optical transmission device ( 1 ) contains an infrared transmitting and receiving diode. The power supply is provided by solar cells, whereby switching off is made possible by the on / off unit ( 3 ). The input unit ( 4 ), keypad with electrical contacts, is divided into the areas numeric keypad, arithmetic functions and function keys. The display unit ( 5 ) is out as an LCD.

Der in Fig. 2 nicht sichtbare Währungsbetragsspeicher ist mittels FLASH-Memory realisiert, um eine Veränderung durch Spannungsabfall aufgrund zu geringer Energie von der Strom­ quelle zu verhindern.The currency amount memory, which is not visible in FIG. 2, is implemented by means of FLASH memory in order to prevent a change due to voltage drop due to insufficient energy from the power source.

Gemäß Fig. 3 werden für den Zahlungsvorgang zwei elektroni­ sche Portemonnaies so zueinander gelegt, daß sich die Über­ tragungseinrichtungen gegenüberstehen.Referring to FIG. 3, two specific electronic wallets are laid to each other for the payment transaction, that the transfer face each tragungseinrichtungen.

Voraussetzung für die Bedienung ist ein genügend starker Lichteinfall.A prerequisite for operation is a sufficiently strong one Incidence of light.

Nach Einschalten mit der Ein-/Ausschalteinrichtung (Fig. 2, 3) ist die Währung ausgewählt, die vor dem letzten Abschalten ausgewählt war.After switching on with the on / off switch ( Fig. 2, 3), the currency that was selected before the last switch-off is selected.

Die Währungsauswahl kann mit der Funktionstaste W eingelei­ tet werden. Dabei erscheint eine Auswahl von Währungen in der Ausgabeeinheit (Fig. 2, 5). Die Auswahl wird mit den Pfeiltasten vorgenommen und mit der Funktionstaste W abge­ schlossen.The currency selection can be initiated with the W function key. A selection of currencies appears in the output unit ( Fig. 2, 5). The selection is made with the arrow keys and completed with the W function key.

Mit der Konto-Funktionstaste K wird der im Speicher geführte Währungsbetrag der ausgewählten Währung in der Ausgabeein­ heit zur Anzeige gebracht.With the account function key K, the one stored in the memory Currency amount of the selected currency in the output displayed.

Mit Ziffern- und Operatortasten kann ein Betrag ermittelt werden, der in der Anzeigeeinheit sichtbar wird. Die Funk­ tionstaste AC dient zum Löschen der Anzeigeeinheit.An amount can be determined using the number and operator keys become visible in the display unit. The funk tion key AC is used to delete the display unit.

Ein in der Anzeigeeinheit sichtbarer Betrag kann entweder für einen Zahlvorgang mit der Funktionstaste Z an das gegen­ überliegende elektronische Portemonnaie übertragen werden, oder für eine Forderung von Geld mit der Funktionstaste F vom gegenüberliegenden elektronischen Portemonnaie angefor­ dert werden. Im ersten Fall wird der Betrag automatisch in den Speicher des gegenüberliegenden elektronischen Portemon­ naies übertragen. Im zweiten Fall erscheint im gegenüberlie­ genden Portemonnaie der angeforderte Betrag und muß dort mit der Funktionstaste Z bestätigt werden.An amount visible in the display unit can either for a payment transaction with the function key Z to the counter overlying electronic wallet are transferred, or for a demand for money with the function key F requested by the opposite electronic wallet be changed. In the first case, the amount is automatically in the memory of the opposite electronic wallet transferred naies. In the second case appears in the opposite the requested amount and must be there the Z function key.

Sollte in einem elektronischen Portemonnaie nicht genügend Geld einer Währung für einen Zahlvorgang enthalten sein oder irgend eine andere Funktion beeinträchtigt sein, erscheint in der Anzeigeeinheit eine Fehlermeldung.Shouldn't be enough in an electronic wallet Money of a currency may be included for a payment transaction or any other function will appear an error message in the display unit.

Die Funktionstaste 1 steht in Kombination mit den Pfeilta­ sten für erweiterte Informationsmöglichkeiten zur Verfügung. Es könnte z. B. über die Übertragungseinrichtung die Informa­ tion aus dem Speicher an Rechner mit besserer Darstellungsmöglichkeit übertragen werden. Function key 1 is available in combination with the arrow keys for extended information options. It could e.g. B. via the transmission device, the information from the memory can be transferred to computers with a better display option.

Die Geldausgabe- und Geldwechselstellen müßten spezielle Geräte dieser Gattung haben, um gegen Münz- und Papiergeld sowie von Konten den Gegenwert an ein elektronisches Porte­ monnaie übertragen zu können.The money issue and exchange offices would have to be special Devices of this genus have to be used for coin and paper money as well as accounts equivalent to an electronic port to be able to transmit monnaie.

Claims (5)

1. Elektronisches Portemonnaie für münz- und papiergeld­ losen Zahlungsverkehr, dadurch gekennzeichnet, daß es
  • 1.1. eine Übertragungseinrichtung (Fig. 1 1) enthält, welche den Zahlungsvorgang mit Geräten gleicher Gattung ohne weite­ re Hilfsmittel ermöglicht.
    Weiterhin dadurch gekennzeichnet, daß eine Kombination der Übertragungseinrichtung mit minde­ stens folgenden Merkmalen erfolgt:
  • 1.2. Eingabeeinheit für Beträge und Funktion (Fig. 1 6)
  • 1.3. Speicher für Beträge (Fig. 1 5)
  • 1.4. Mikroprozessoreinheit (Fig. 1 4)
  • 1.5. Stromversorgung (Fig. 1 2)
1. Electronic wallet for coin and paper money loose payments, characterized in that it
  • 1.1. a transmission device ( Fig. 1 1 ), which enables the payment process with devices of the same type without further re tools.
    Furthermore, characterized in that the transmission device is combined with at least the following features:
  • 1.2. Input unit for amounts and function ( Fig. 1 6 )
  • 1.3. Amount storage ( Fig. 1 5 )
  • 1.4. Microprocessor unit ( Fig. 1 4 )
  • 1.5. Power supply ( Fig. 1 2 )
2. Elektronisches Portemonnaie nach Patentanspruch 1, dadurch gekennzeichnet, daß eine Ein-/Ausschaltvorrichtung (Fig. 1 3) hinzugefügt wird, um Energie zu sparen.2. Electronic wallet according to claim 1, characterized in that an on / off device ( Fig. 1 3 ) is added to save energy. 3. Elektronisches Portemonnaie nach Patentanspruch 1 bis 2, dadurch gekennzeichnet, daß eine Ausgabeeinheit (Fig. 1 7) hinzugefügt wird, um die Vorgänge Betragseingabe und Funktionsauswahl zu bestätigen.3. Electronic wallet according to claim 1 to 2, characterized in that an output unit ( Fig. 1 7 ) is added to confirm the amount entry and function selection processes. 4. Elektronisches Portemonnaie nach Patentanspruch 1 bis 3, dadurch gekennzeichnet, daß zusätzlicher Speicher (Fig. 1 5) für Geldbeträge unter­ schiedlicher Währung hinzugefügt wird, um die unterschiedli­ chen Währungsbeträge aufbewahren und übertragen zu können.4. Electronic wallet according to claim 1 to 3, characterized in that additional memory ( Fig. 1 5 ) is added for amounts of money under different currencies in order to store and transfer the various currency amounts. 5. Elektronisches Portemonnaie nach Patentanspruch 1 bis 4, dadurch gekennzeichnet, daß eine Sicherheitseinrichtung (Fig. 1 8) hinzugefügt wird, die Mißbrauch und Manipulation erschwert.
Übertragungseinheit, Eingabeeinheit und Ausgabeeinheit können (elektro-) akustischer, (elektro-) optischer, (elektro-) mechanischer, elektromagnetischer oder elektro­ statischer Art sein.5. Electronic wallet according to claim 1 to 4, characterized in that a security device ( Fig. 1 8 ) is added, which makes abuse and manipulation difficult.
The transmission unit, input unit and output unit can be (electro) acoustic, (electro) optical, (electro) mechanical, electromagnetic or electrostatic.
DE19934308597 1993-03-18 1993-03-18 Electronic bank account unit with inter account link - provided by infrared communication with units having keyboard display and built in processing. Ceased DE4308597A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
DE19934308597 DE4308597A1 (en) 1993-03-18 1993-03-18 Electronic bank account unit with inter account link - provided by infrared communication with units having keyboard display and built in processing.

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
DE19934308597 DE4308597A1 (en) 1993-03-18 1993-03-18 Electronic bank account unit with inter account link - provided by infrared communication with units having keyboard display and built in processing.

Publications (1)

Publication Number Publication Date
DE4308597A1 true DE4308597A1 (en) 1993-08-19

Family

ID=6483106

Family Applications (1)

Application Number Title Priority Date Filing Date
DE19934308597 Ceased DE4308597A1 (en) 1993-03-18 1993-03-18 Electronic bank account unit with inter account link - provided by infrared communication with units having keyboard display and built in processing.

Country Status (1)

Country Link
DE (1) DE4308597A1 (en)

Cited By (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0708424A1 (en) * 1994-10-18 1996-04-24 Accumulata Symi Grundstücks GmbH Electronical purse
WO1997048078A2 (en) * 1996-06-14 1997-12-18 Cybercash, Inc. System and method for multi-currency transactions
WO1998003943A1 (en) * 1995-06-02 1998-01-29 Europay International S.A. Card apparatus and cashless transaction system
WO1998016911A1 (en) * 1996-10-14 1998-04-23 Ivan Borges Electronic system for banking operations by teleprocessing in real time with portable personal devices
WO2001027885A1 (en) * 1999-10-14 2001-04-19 Berg Jon N System for card to card transfer of monetary values
FR2814577A1 (en) * 2000-09-22 2002-03-29 Laurent Francois Ernest Pele Encryption/identification message transfer process having two systems with public/secret whole numbers exchanging data using random drawn numbers/mathematical functions and reciprocal mathematics procedures.
US7742985B1 (en) 2003-06-26 2010-06-22 Paypal Inc. Multicurrency exchanges between participants of a network-based transaction facility
US8266016B2 (en) 2000-10-16 2012-09-11 Ebay Inc. Method and system for listing items globally and regionally, and customized listing according to currency or shipping area
US9092792B2 (en) 2002-06-10 2015-07-28 Ebay Inc. Customizing an application
US10542121B2 (en) 2006-08-23 2020-01-21 Ebay Inc. Dynamic configuration of multi-platform applications
US10606960B2 (en) 2001-10-11 2020-03-31 Ebay Inc. System and method to facilitate translation of communications between entities over a network
US11244324B2 (en) 2003-04-11 2022-02-08 Ebay Inc. Method and system to facilitate an online promotion relating to a network-based marketplace

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE2923478A1 (en) * 1979-06-09 1980-12-11 Horst Dr Med Kowalsky Electronic pocket calculator for currency conversion - allows range of currency scale factors to be entered and currency rates and resulting conversion to be viewed
DE3804618A1 (en) * 1988-02-13 1989-08-24 Klaus Lindenschmidt Programmable smart card

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE2923478A1 (en) * 1979-06-09 1980-12-11 Horst Dr Med Kowalsky Electronic pocket calculator for currency conversion - allows range of currency scale factors to be entered and currency rates and resulting conversion to be viewed
DE3804618A1 (en) * 1988-02-13 1989-08-24 Klaus Lindenschmidt Programmable smart card

Cited By (26)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0708424A1 (en) * 1994-10-18 1996-04-24 Accumulata Symi Grundstücks GmbH Electronical purse
WO1998003943A1 (en) * 1995-06-02 1998-01-29 Europay International S.A. Card apparatus and cashless transaction system
WO1997048078A2 (en) * 1996-06-14 1997-12-18 Cybercash, Inc. System and method for multi-currency transactions
WO1997048078A3 (en) * 1996-06-14 1998-01-29 Cybercash Inc System and method for multi-currency transactions
USRE44502E1 (en) 1996-06-14 2013-09-17 Paypal, Inc. System and method for multi-currency transactions
US5897621A (en) * 1996-06-14 1999-04-27 Cybercash, Inc. System and method for multi-currency transactions
US6205433B1 (en) 1996-06-14 2001-03-20 Cybercash, Inc. System and method for multi-currency transactions
USRE41619E1 (en) * 1996-06-14 2010-08-31 Paypal, Inc. System and method for multicurrency transactions
WO1998016911A1 (en) * 1996-10-14 1998-04-23 Ivan Borges Electronic system for banking operations by teleprocessing in real time with portable personal devices
US6394343B1 (en) 1999-10-14 2002-05-28 Jon N. Berg System for card to card transfer of monetary values
US6502748B2 (en) 1999-10-14 2003-01-07 Jon N. Berg System for card to card transfer of secure data
FR2799860A1 (en) * 1999-10-14 2001-04-20 Jon N Berg SYSTEM FOR CARD TRANSFERS OF MONETARY VALUE CARDS
WO2001027885A1 (en) * 1999-10-14 2001-04-19 Berg Jon N System for card to card transfer of monetary values
FR2814577A1 (en) * 2000-09-22 2002-03-29 Laurent Francois Ernest Pele Encryption/identification message transfer process having two systems with public/secret whole numbers exchanging data using random drawn numbers/mathematical functions and reciprocal mathematics procedures.
US8266016B2 (en) 2000-10-16 2012-09-11 Ebay Inc. Method and system for listing items globally and regionally, and customized listing according to currency or shipping area
US8732037B2 (en) 2000-10-16 2014-05-20 Ebay Inc. Method and system for providing a record
US10606960B2 (en) 2001-10-11 2020-03-31 Ebay Inc. System and method to facilitate translation of communications between entities over a network
US9092792B2 (en) 2002-06-10 2015-07-28 Ebay Inc. Customizing an application
US11244324B2 (en) 2003-04-11 2022-02-08 Ebay Inc. Method and system to facilitate an online promotion relating to a network-based marketplace
US7742985B1 (en) 2003-06-26 2010-06-22 Paypal Inc. Multicurrency exchanges between participants of a network-based transaction facility
US8712913B2 (en) 2003-06-26 2014-04-29 Ebay Inc. Multi currency exchanges between participants
US10002354B2 (en) 2003-06-26 2018-06-19 Paypal, Inc. Multi currency exchanges between participants
US8249990B2 (en) 2003-06-26 2012-08-21 Paypal Inc. Multi currency exchanges between participants of a networked-based transaction facility
US8055582B2 (en) 2003-06-26 2011-11-08 Paypal Inc. Multi currency exchanges between participants of a network-based transaction facility
US10542121B2 (en) 2006-08-23 2020-01-21 Ebay Inc. Dynamic configuration of multi-platform applications
US11445037B2 (en) 2006-08-23 2022-09-13 Ebay, Inc. Dynamic configuration of multi-platform applications

Similar Documents

Publication Publication Date Title
DE3906349C2 (en)
DE2760486C2 (en)
DE2527784C2 (en) Data transmission device for banking transactions
DE60004556T2 (en) SYSTEM FOR THE TRANSFER OF MONEY AMOUNTS BETWEEN CARDS
EP0306892B1 (en) Circuitry of which at least a part contains a card for business, identification and/or actuation purposes
DE4308597A1 (en) Electronic bank account unit with inter account link - provided by infrared communication with units having keyboard display and built in processing.
DE3632294A1 (en) Operating unit for smart cards (chip cards)
DE3412663A1 (en) CHIP CARD SYSTEM
EP0784301A2 (en) Method and system for the payment of services and portable data carrier to be used in such a system
EP0867014B1 (en) Chip card
DE4036765A1 (en) CODED CHIP CARD ACTIVATION
EP0970447A2 (en) Network-assisted chip card transaction process
DE69916398T2 (en) Electronic transaction device
DE19732762A1 (en) Bank or credit card user system
DE19618471C2 (en) Method for transferring amounts of money between rewritable memories of a chip card
DE69635674T2 (en) PORTABLE DEVICE FOR CARRYING OUT SECURED INTERNAL TRANSACTIONS AND TRANSACTIONS WITH CHIP CARDS AND METHOD THEREFOR
DE4437283C1 (en) Electronic wallet
EP1055207A1 (en) Method for controlling an information and data exchange between a mobile telephone and a data communications network
EP0203542A2 (en) Method and apparatus for verifying IC cards
DE19544144C2 (en) Process for data transfer between data carrier cards
DE19719275A1 (en) Cashless payment system using portable data terminal
DE4027735A1 (en) METHOD AND DEVICE FOR SECURE REMOTE DATA TRANSMISSION
DE3011729C2 (en) Personal electronic data carrier
WO1998039745A2 (en) Portable data carrier and method for cryptographically secure use thereof with interchangeable keys
WO2000002170A1 (en) Method for protecting data on a data carrier and correspondingly configured chip card, reader and chip set

Legal Events

Date Code Title Description
OAV Applicant agreed to the publication of the unexamined application as to paragraph 31 lit. 2 z1
OP8 Request for examination as to paragraph 44 patent law
8122 Nonbinding interest in granting licenses declared
8125 Change of the main classification

Ipc: G06F 15/30

8127 New person/name/address of the applicant

Owner name: BODE, MARC, 23795 BAD SEGEBERG, DE

8131 Rejection