US6016955A
Expired / Lapsed
US
⏱️ 0.0 years remaining
Electronic payment method and system having several calculation units and electronic payment devices
Assignee: Koninklijke KPN NV
•
Filing: 1997-08-07
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Granted: 2000-01-25
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Expires: 2017-08-07
Abstract
Abstract A payment system for use with electronic payment devices. Electronic payment cards (e.g. "Smart Cards"), may be used with one or more payment stations (e.g. electronic cash registers). The payment stations are designed for receiving, during a payment transaction, a monetary value by crediting, in the payment station, a first value, and debiting, in the payment means, a second value corresponding to the first value. The first and second values may be expressed in different calculation units, such as currencies of different countries. The system furthermore offers a payment device for application in such a system, and a method for effecting a payment transaction with an electronic payment means.
Inventors
- 👤 Peter Jacobus Nicolaas De Rooij
- 👤 Frank Muller
- 👤 Rafael Hirschfeld
- 👤 Jean-Paul Boly
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-06 13:54
CPC Classifications
G; G07; G07F; G07F7/00; G07F7/08; G07F7/0866; G06; G06Q; G06Q20/00; G06Q20/04; G06Q20/08; G06Q20/20; G06Q20/30; G06Q20/34; G06Q20/357; G06Q20/3572; G06Q20/36; G06Q20/363; G06Q20/38; G06Q20/381; G07F7/0873; G07F7/088
Claims Analysis
Total Claims: 18
Claim 1
Independent Claim
124 words
A payment system comprising: an electronic payment device including an internal memory for storing at least two balances, each balance having an associated number of a corresponding calculation unit and an associated conversion factor; and a payment station for (1) receiving, during a payment transaction, a monetary value by crediting a first value, in the payment station, to a first balance representing a first number of a first calculation unit, and (2) debiting a second value corresponding to the first value, in the payment means, wherein a portion of the second value is debited from each of (2a) a second balance representing a second number of a first calculation unit and (2b) a third balance representing a third number of a second calculation unit.
Claim 2
Dependent Claim
124 words
A payment system comprising: an electronic payment device including an internal memory for storing at least two balances, each balance having an associated number of a corresponding calculation unit and an associated conversion factor; and a payment station for (1) receiving, during a payment transaction, a monetary value by crediting a first value, in the payment station, to a first balance representing a first number of a first calculation unit, and (2) debiting a second value corresponding to the first value, in the payment means, wherein a portion of the second value is debited from each of (2a) a second balance representing a second number of a first calculation unit and (2b) a third balance representing a third number of a second calculation unit.
Claim 3
Dependent Claim
51 words
The payment system according to claim 1, wherein the payment device further comprises a memory for storing, for each of the at least two balances, an associated priority, and wherein the payment station selects the second and third balances to debit according to corresponding priorities of the second and third balances.
Claim 4
Dependent Claim
32 words
The payment system according to claim 1, wherein the payment device further comprises a calculation means for determining a total balance, expressed in one calculation unit, of the at least two balances.
Claim 5
Dependent Claim
28 words
The payment system according to claim 1, wherein the memory of the payment device storing the conversion factors comprises a reprogrammed memory for periodically updating the conversion factors.
Claim 6
Dependent Claim
19 words
The payment system according to claim 1, wherein the first and second calculation units comprise currencies of different countries.
Claim 7
Dependent Claim
19 words
The payment system according to claim 5, wherein one of the first and second calculation units is the Euro.
Claim 8
Dependent Claim
124 words
A payment system comprising: an electronic payment device including an internal memory for storing at least two balances, each balance having an associated number of a corresponding calculation unit and an associated conversion factor; and a payment station for (1) receiving, during a payment transaction, a monetary value by crediting a first value, in the payment station, to a first balance representing a first number of a first calculation unit, and (2) debiting a second value corresponding to the first value, in the payment means, wherein a portion of the second value is debited from each of (2a) a second balance representing a second number of a second calculation unit and (2b) a third balance representing a third number of a third calculation unit.
Claim 9
Dependent Claim
124 words
A payment system comprising: an electronic payment device including an internal memory for storing at least two balances, each balance having an associated number of a corresponding calculation unit and an associated conversion factor; and a payment station for (1) receiving, during a payment transaction, a monetary value by crediting a first value, in the payment station, to a first balance representing a first number of a first calculation unit, and (2) debiting a second value corresponding to the first value, in the payment means, wherein a portion of the second value is debited from each of (2a) a second balance representing a second number of a second calculation unit and (2b) a third balance representing a third number of a third calculation unit.
Claim 10
Dependent Claim
51 words
The payment system according to claim 7, wherein the payment device further comprises a memory for storing, for each of the at least two balances, an associated priority, and wherein the payment station selects the second and third balances to debit according to corresponding priorities of the second and third balances.
Claim 11
Dependent Claim
32 words
The payment system according to claim 7, wherein the payment device further comprises a calculation means for determining a total balance, expressed in one calculation unit, of the at least two balances.
Claim 12
Dependent Claim
28 words
The payment system according to claim 7, wherein the memory of the payment device storing the conversion factors comprises a reprogrammable memory for periodically updating the conversion factors.
Claim 13
Dependent Claim
20 words
The payment system according to claim 7, wherein the first, second and third calculation units comprise currencies of different countries.
Claim 14
Dependent Claim
20 words
The payment system according to claim 11, wherein one of the first, second and third calculation unit is the Euro.
Claim 15
Dependent Claim
101 words
An electronic payment device comprising: an integrated circuit including (1) a processor, (2) a memory, and (3) input and output circuitry, wherein the memory includes memory areas for storing two balances, each of the two balances including (2a) a corresponding number of a calculation unit and (2b) an associated conversion factor, wherein the processor and memory are configured to debit a value stored in the integrated circuit by debiting a cost of a transaction against a portion of each of the two balances when the two balances are stored in different calculation units; and a substrate for mounting the integrated circuit.
Claim 16
Dependent Claim
101 words
An electronic payment device comprising: an integrated circuit including (1) a processor, (2) a memory, and (3) input and output circuitry, wherein the memory includes memory areas for storing two balances, each of the two balances including (2a) a corresponding number of a calculation unit and (2b) an associated conversion factor, wherein the processor and memory are configured to debit a value stored in the integrated circuit by debiting a cost of a transaction against a portion of each of the two balances when the two balances are stored in different calculation units; and a substrate for mounting the integrated circuit.
Claim 17
Dependent Claim
26 words
The electronic payment device according to claim 13, wherein each of the two balances further comprises an associated priority according to which the transaction is debited.
Claim 18
Dependent Claim
34 words
The electronic payment device according to claim 13, wherein the processor and memory are further configured to determine, expressed in one calculation unit, a total balance of the two balances stored in the memory.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2003-01-24 | 2003-07-26 | 2004-01-25 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2007-01-24 | 2007-07-26 | 2008-01-25 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2011-01-24 | 2011-07-26 | 2012-01-25 | $7700.00 | Window Closed / Lapsed |