WO1997031343A1 - Multiple account management system and method using same - Google Patents

Multiple account management system and method using same Download PDF

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Publication number
WO1997031343A1
WO1997031343A1 PCT/FR1997/000314 FR9700314W WO9731343A1 WO 1997031343 A1 WO1997031343 A1 WO 1997031343A1 FR 9700314 W FR9700314 W FR 9700314W WO 9731343 A1 WO9731343 A1 WO 9731343A1
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WO
WIPO (PCT)
Prior art keywords
accounts
card
holder
account
identification code
Prior art date
Application number
PCT/FR1997/000314
Other languages
French (fr)
Inventor
Marc Labourgade
Original Assignee
Marc Labourgade
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 Labourgade filed Critical Marc Labourgade
Priority to AU20988/97A priority Critical patent/AU2098897A/en
Publication of WO1997031343A1 publication Critical patent/WO1997031343A1/en

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Classifications

    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • G07F7/10Mechanisms 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
    • G07F7/1008Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/357Cards having a plurality of specified features
    • G06Q20/3576Multiple memory zones on card

Definitions

  • the present invention relates to a multiple account management card and an implementation method.
  • a card is associated with a single account and for the use of several accounts, the bank establishes the holder as many cards as there are accounts to use.
  • This multiplicity of cards is a nuisance for users who, on the one hand, generally do not wish to carry a large number of cards and, on the other hand, find it difficult to differentiate cards relating to different accounts due to a similar presentation of the different cards issued by the same banking establishment. It has been envisaged to introduce into a single card the identification numbers of each of the accounts of a user in order to be able to quickly locate an account among the accounts kept by a server associated with the card. However, due to the limited space available in card memories, in particular memory formed by a magnetic strip, such a solution cannot be used.
  • servers which include chaining between the different accounts of a holder so that an identification code inserted in the card to locate one of the accounts allows very rapid access to the other accounts of this holder.
  • Chaining is generally carried out by reference to a table which gives access to all of the accounts held by the card holder.
  • the terminals associated with these cards display a complete list of the different types of accounts accessible regardless of the number of accounts to which the holder in question actually has access, so that if an account to which the holder should not have access has been introduced, either by mistake or as a result of a fraudulent operation, in the table giving effective access to the various accounts, it becomes possible for the holder to access this account.
  • a multiple account management card comprising an identification code of an account holder, part of which is representative of the accounts to which the holder is authorized to access by means of the card.
  • the card also includes a data coherence code contained in an area of the card, and the holder identification code is entirely contained in the area subject to control by the consistency code. It is thus possible to ensure that the card has not been falsified as to the accounts to which the holder is authorized to access.
  • this relates to a method of managing multiple accounts by means of a single card containing an identification code of an account holder, this identification code comprising a representative part of the accounts to which the holder is authorized to access, the method comprising the step of verifying the accounts to which the holder is authorized to access by comparing the corresponding part of the identification code with an identification of the accounts stored in a server associated with the card.
  • FIG. 2 is a schematic representation of a method of implementing the card according to the invention.
  • the card 1 comprises in a manner known per se a data medium such as a magnetic track 2 or an integrated circuit 3.
  • the card according to the invention is also associated in a manner known per se with a system comprising a terminal 4 connected to a server 5 containing for each holder a table 6 intended to ensure correspondence between an identification number of the holder and the accounts 7 of the latter.
  • the card includes an identification number 8 comprising a part of identification of the holder 8.1 known by itself and, according to the invention, a part 8.2 representative of the accounts to which the holder is authorized to access by means of the card.
  • the data carrier also includes a consistency code 9.
  • the identification part proper 8.1 is stored in the zone usually reserved for the identification code of the card holder while the part 8.2 representative of the accounts to which the holder is authorized to access by means of the card is stored in the area called discretionary data file which, like the area containing the identification code 8.1 is under control coherence code generally called CW or CVC.
  • the accounts to which the holder is authorized to access by means of the card may be coded in any way in the corresponding section 8.2 of the identification code.
  • this part 8.2 comprises bits whose position is representative of each of the types of accounts offered by the establishment concerned.
  • the first bit of part 8.2 represents the deposit account
  • the second bit represents the revolving account
  • the third bit represents the passbook account.
  • Each bit is 0 to represent an access ban and 1 to represent an access authorization.
  • the card holder is authorized to access the deposit account and the passbook account so that the part 8.2 representative of the accounts to which the holder is authorized to access is memorized by the sequence 101.
  • FIG. 2 illustrates a process using the card according to the invention.
  • a first reading of the identification code including the representative part of the accounts to which the holder is authorized is carried out.
  • a consistency check 11 is then carried out using the consistency code 9 stored in the card in order to verify that the latter has not been falsified. If the consistency check is negative, the terminal refuses access 12, the consequence of which may in particular be the non-return of the card.
  • a test 13 on part 8.2 of the identification code makes it possible to determine whether the card is a multi-account card or is intended to operate with a single account.
  • the identification of a card intended to operate with a single account is for example obtained when the three bits of part 8.2 are at zero.
  • a simple procedure 14 is offered to the user.
  • a check 15 is carried out by comparing part 8.2 of the identification code to the list of accounts mentioned in table 6 of the server in order to ensure that the accounts mentioned in the table effectively corresponds to the types of accounts to which the holder is authorized to access. In the case of a negative control, the procedure is oriented towards refusing access 12 as before.
  • a positive control the user is asked to indicate, for example by means of a menu 16 displayed on the terminal screen, whether he wishes to execute a credit transaction or a transaction of debit .
  • a credit transaction the user is asked to choose the account to which he wants to carry this credit, for example by displaying the different types of accounts by means of a menu 17 on the terminal screen and by activating keys 18 (see FIG. 1) corresponding only to the accounts that the holder is authorized to move.
  • the transaction 19 is then carried out. If the user requests to carry out a debit operation, he is asked to indicate the amount 20 of this debit then to choose by means of a menu 21 the account on which he wishes to carry out this debit. It is also possible to offer him through this same menu an account to be debited.
  • a check 22 is then carried out as to the possibility of carrying out the debit requested on the chosen account, either by checking that the account balance is sufficient if it can be consulted online, or by simply checking that the amount of the debit requested is compatible with the debit threshold authorized on this account.
  • a test 23 is executed to check whether there is another account on which the debit could be carried out.
  • the procedure is returned to menu 21 for choosing an account or proposing an account. If no other possible account exists, either because all the accounts have been consulted, or because the terminal is programmed to check all the balances and has found no sufficient balance to accept the amount of the debit requested, the the procedure is oriented towards a transaction refusal 24. It is also possible to plan to combine the balances of the various accounts and to compare this combination with the amount of the desired debit. In this case, the transaction is carried out by allocating to each account a part of the amount compatible with the corresponding balance.
  • provision may be made in the access procedure for the entry of a personal identification number (PIN) and the comparison with a secret code contained in the card.
  • PIN personal identification number
  • the invention has been described more particularly in relation to an identification code stored on the magnetic strip of the card, the invention also applies to an identification code stored in an integrated circuit and controlled by a coherence code equivalent to that of the magnetic stripe.

Abstract

A multiple account management card comprising an account holder identification code (8) of which one part (8.2) indicates the accounts (7) which the holder is authorised to access using the card.

Description

Carte de gestion de comptes multiples et procédé de mise en oeuvre. La présente invention concerne une carte de gestion de comptes multiples et un procédé de mise en oeuvre. Multiple account management card and method of implementation. The present invention relates to a multiple account management card and an implementation method.
On sait que les banques offrent à leurs clients différents services qui sont associés à des types de comptes différents et qui peuvent être gérés au moyen d'une carte. On connaît par exemple les comptes de dépôt sur lesquels la carte permet essentiellement d'effectuer des débits, éventuellement avec une possibilité de découverts. On connaît également les comptes de prêt automatiquement renouvelables (généralement appelés comptes revolving) pouvant être plus ou moins facilement soldés mensuellement par le client, la carte devenant ainsi une carte de débit différé. On connaît encore les comptes sur livret pour lesquels le client perçoit des intérêts à condition que les sommes restent bloquées sur le compte pendant un temps minimum, généralement une quinzaine de jours.We know that banks offer their customers different services that are associated with different types of accounts and that can be managed by card. We know for example deposit accounts on which the card essentially allows debits, possibly with the possibility of overdrafts. Also known are automatically renewable loan accounts (generally called revolving accounts) which can be more or less easily settled monthly by the client, the card thus becoming a deferred debit card. We also know passbook accounts for which the customer receives interest provided that the sums remain frozen on the account for a minimum time, generally a fortnight.
Dans tous les cas, une carte est associée à un seul compte et pour l'utilisation de plusieurs comptes l'é¬ tablissement bancaire remet au titulaire autant de cartes qu'il a de comptes à utiliser.In all cases, a card is associated with a single account and for the use of several accounts, the bank establishes the holder as many cards as there are accounts to use.
Cette multiplicité des cartes constitue une gêne pour les utilisateurs qui d'une part, ne souhaitent généralement pas transporter un grand nombre de cartes et d'autre part, ont du mal à différencier des cartes relati¬ ves à différents comptes en raison d'une présentation similaire des différentes cartes émises par un même établissement bancaire. II a été envisagé d'introduire dans une même carte les numéros d'identification de chacun des comptes d'un utilisateur afin de pouvoir localiser rapidement un compte parmi les comptes tenus par un serveur associé à la carte. Toutefois, en raison de la faible place disponible dans les mémoires des cartes, en particulier les mémoires formées par une piste magnétique, une telle solution n'est pas exploitable.This multiplicity of cards is a nuisance for users who, on the one hand, generally do not wish to carry a large number of cards and, on the other hand, find it difficult to differentiate cards relating to different accounts due to a similar presentation of the different cards issued by the same banking establishment. It has been envisaged to introduce into a single card the identification numbers of each of the accounts of a user in order to be able to quickly locate an account among the accounts kept by a server associated with the card. However, due to the limited space available in card memories, in particular memory formed by a magnetic strip, such a solution cannot be used.
Par ailleurs, on connaît des serveurs comprenant un chaînage entre les différents comptes d'un titulaire de sorte qu'un code d'identification inséré dans la carte pour localiser l'un des comptes permet un accès très rapide aux autres comptes de ce titulaire. Le chaînage est générale¬ ment effectué par un renvoi à une table qui donne accès à l'ensemble des comptes détenus par le titulaire de la carte. Pour des raisons de simplification les terminaux associés à ces cartes affichent une liste complète des différents types de comptes accessibles quel que soit le nombre de comptes auxquels le titulaire considéré a effectivement accès de sorte que si un compte auquel le titulaire ne doit pas avoir accès a été introduit, soit par erreur, soit par suite d'une manoeuvre frauduleuse, dans la table donnant un accès effectif aux différents comptes, il devient possible pour le titulaire d'accéder à ce compte.In addition, servers are known which include chaining between the different accounts of a holder so that an identification code inserted in the card to locate one of the accounts allows very rapid access to the other accounts of this holder. Chaining is generally carried out by reference to a table which gives access to all of the accounts held by the card holder. For reasons of simplification, the terminals associated with these cards display a complete list of the different types of accounts accessible regardless of the number of accounts to which the holder in question actually has access, so that if an account to which the holder should not have access has been introduced, either by mistake or as a result of a fraudulent operation, in the table giving effective access to the various accounts, it becomes possible for the holder to access this account.
Selon l'invention, on propose une carte de gestion de comptes multiples, cette carte comportant un code d'identification d'un titulaire des comptes dont une partie est représentative des comptes auxquels le titulaire est autorisé à accéder au moyen de la carte.According to the invention, a multiple account management card is proposed, this card comprising an identification code of an account holder, part of which is representative of the accounts to which the holder is authorized to access by means of the card.
Ainsi, préalablement à toute transaction il est possible de comparer cette partie du code d'identification au type de comptes énumérés dans la table de correspondance du serveur pour vérifier que ceux-ci sont bien d'un type dont l'accès est autorisé. La lecture de cette partie du code d'identification permet en outre de réaliser un traitement en relation avec les comptes auxquels l'accès est autorisé.Thus, prior to any transaction, it is possible to compare this part of the identification code with the type of accounts listed in the server correspondence table to verify that these are indeed of a type to which access is authorized. Reading this part of the identification code also makes it possible to carry out processing in relation to the accounts to which access is authorized.
Selon une version avantageuse de l'invention, la carte comporte en outre un code de cohérence de données contenues dans une zone de la carte, et le code d'identifi- cation du titulaire est intégralement contenu dans la zone soumise à un contrôle par le code de cohérence. Il est ainsi possible de s'assurer que la carte n'a pas fait l'objet d'une falsification quant aux comptes auxquels le titulaire est autorisé à accéder. Selon un autre aspect de l'invention, celle ci concerne un procédé de gestion de comptes multiples au moyen d'une carte unique contenant un code d'identification d'un titulaire des comptes, ce code d'identification comportant une partie représentative des comptes auxquels le titulaire est autorisé à accéder, le procédé comportant l'étape de vérifier les comptes auxquels le titulaire est autorisé à accéder en comparant la partie correspondante du code d' identification avec une identification des comptes mémorisée dans un serveur associé à la carte. D'autres caractéristiques et avantages de l'in¬ vention apparaîtront à la lecture de la description qui suit d'un exemple particulier de carte selon l'invention et d'un procédé de mise en oeuvre de celle-ci, en référence aux figures ci-jointes parmi lesquelles : - la figure 1 est une reproduction schématique d'une carte selon l'invention et d'un système de traitement la mettant en oeuvre ;According to an advantageous version of the invention, the card also includes a data coherence code contained in an area of the card, and the holder identification code is entirely contained in the area subject to control by the consistency code. It is thus possible to ensure that the card has not been falsified as to the accounts to which the holder is authorized to access. According to another aspect of the invention, this relates to a method of managing multiple accounts by means of a single card containing an identification code of an account holder, this identification code comprising a representative part of the accounts to which the holder is authorized to access, the method comprising the step of verifying the accounts to which the holder is authorized to access by comparing the corresponding part of the identification code with an identification of the accounts stored in a server associated with the card. Other characteristics and advantages of the invention will appear on reading the following description of a particular example of a card according to the invention and of a method of implementing it, with reference to the figures attached among which: - Figure 1 is a schematic reproduction of a card according to the invention and a processing system implementing it;
- la figure 2 est une représentation schématique d'un procédé de mise en oeuvre de la carte selon l'inven- tion.- Figure 2 is a schematic representation of a method of implementing the card according to the invention.
En référence à la figure 1, la carte 1 selon l'invention comporte d'une façon connue en soi un support de données tel qu'une piste magnétique 2 ou un circuit intégré 3. La carte selon l'invention est également associée de façon connue en soi avec un système comprenant un terminal 4 relié à un serveur 5 contenant pour chaque titulaire une table 6 destinée à assurer la correspondance entre un numéro d'identification du titulaire et des comptes 7 de celui-ci. Dans au moins l'un des supports de données, la carte comporte un numéro d'identification 8 comprenant une partie d'identification du titulaire 8.1 connue par elle même et, selon l'invention, une partie 8.2 représentative des comptes auxquels le titulaire est autorisé à accéder au moyen de la carte. Dans le mode de réalisation illustré, le support de données comporte en outre un code de cohérence 9.With reference to FIG. 1, the card 1 according to the invention comprises in a manner known per se a data medium such as a magnetic track 2 or an integrated circuit 3. The card according to the invention is also associated in a manner known per se with a system comprising a terminal 4 connected to a server 5 containing for each holder a table 6 intended to ensure correspondence between an identification number of the holder and the accounts 7 of the latter. In at least one of the data carriers, the card includes an identification number 8 comprising a part of identification of the holder 8.1 known by itself and, according to the invention, a part 8.2 representative of the accounts to which the holder is authorized to access by means of the card. In the illustrated embodiment, the data carrier also includes a consistency code 9.
Dans le cas où le support de données est une piste magnétique comportant une piste normalisée IS02, la partie d'identification proprement dite 8.1 est mémorisée dans la zone habituellement réservée au code d'identifica¬ tion du titulaire de la carte tandis que la partie 8.2 représentative des comptes auxquels le titulaire est autorisé à accéder au moyen de la carte est mémorisée dans la zone appelée fichier de données discrétionnaire (de l'anglais discretionary data file) qui, comme la zone contenant le code d'identification 8.1 est sous le contrôle du code de cohérence généralement dénommé CW ou CVC.In the case where the data medium is a magnetic strip comprising a standardized track IS02, the identification part proper 8.1 is stored in the zone usually reserved for the identification code of the card holder while the part 8.2 representative of the accounts to which the holder is authorized to access by means of the card is stored in the area called discretionary data file which, like the area containing the identification code 8.1 is under control coherence code generally called CW or CVC.
Les comptes auxquels le titulaire est autorisé à accéder au moyen de la carte peuvent être codés d'une façon quelconque dans la partie 8.2 correspondante du code d'identification. Dans l'exemple illustré, cette partie 8.2 comporte des bits dont la position est représentative de chacun des types de comptes proposés par l'établissement concerné. Ainsi dans l'exemple illustré, le premier bit de la partie 8.2 représente le compte de dépôt, le second bit représente le compte revolving et le troisième bit repré¬ sente le compte sur livret. Chaque bit est à 0 pour figurer une interdiction d'accès et à 1 pour figurer une autorisa- tion d'accès. Dans l'exemple illustré, le titulaire de la carte est autorisé à accéder au compte de dépôt et au compte sur livret de sorte que la partie 8.2 représentative des comptes auxquels le titulaire est autorisé à accéder est mémorisée par la séquence 101. La figure 2 illustre un procédé mettant en oeuvre la carte selon l'invention. Selon ce procédé on procède tout d'abord à une lecture 10 du code d'identification y compris la partie représentative des comptes auxquels le titulaire est autorisé à accéder. On effectue alors un contrôle de cohérence 11 en utilisant le code de cohérence 9 mémorisé dans la carte afin de vérifier que celle-ci n'a pas été falsifiée. Si le contrôle de cohérence est négatif, le terminal procède à un refus d'accès 12 dont la consé¬ quence peut en particulier être la non restitution de la carte.The accounts to which the holder is authorized to access by means of the card may be coded in any way in the corresponding section 8.2 of the identification code. In the example illustrated, this part 8.2 comprises bits whose position is representative of each of the types of accounts offered by the establishment concerned. Thus in the example illustrated, the first bit of part 8.2 represents the deposit account, the second bit represents the revolving account and the third bit represents the passbook account. Each bit is 0 to represent an access ban and 1 to represent an access authorization. In the example illustrated, the card holder is authorized to access the deposit account and the passbook account so that the part 8.2 representative of the accounts to which the holder is authorized to access is memorized by the sequence 101. FIG. 2 illustrates a process using the card according to the invention. According to this method, a first reading of the identification code including the representative part of the accounts to which the holder is authorized is carried out. A consistency check 11 is then carried out using the consistency code 9 stored in the card in order to verify that the latter has not been falsified. If the consistency check is negative, the terminal refuses access 12, the consequence of which may in particular be the non-return of the card.
Si le contrôle de cohérence est positif, un test 13 sur la partie 8.2 du code d'identification permet de déterminer si la carte est une carte multicomptes ou est destinée à fonctionner avec un compte unique. L' identifica- tion d'une carte destinée à fonctionner avec un compte unique est par exemple obtenue lorsque les trois bits de la partie 8.2 sont à zéro. Lorsque la carte est destinée à fonctionner avec un compte unique, une procédure simple 14 est proposée à l'utilisateur. Lorsqu'il est détecté que la carte est multicomp¬ tes, un contrôle 15 est effectué en comparant la partie 8.2 du code d'identification à la liste des comptes mentionnés dans la table 6 du serveur afin de s'assurer que les comptes mentionnés dans la table correspondent effective- ment aux types de comptes auxquels le titulaire est autorisé à accéder. Dans le cas d'un contrôle négatif, la procédure est orientée vers le refus d'accès 12 comme précédemment.If the consistency check is positive, a test 13 on part 8.2 of the identification code makes it possible to determine whether the card is a multi-account card or is intended to operate with a single account. The identification of a card intended to operate with a single account is for example obtained when the three bits of part 8.2 are at zero. When the card is intended to operate with a single account, a simple procedure 14 is offered to the user. When it is detected that the card is multicomp¬ tes, a check 15 is carried out by comparing part 8.2 of the identification code to the list of accounts mentioned in table 6 of the server in order to ensure that the accounts mentioned in the table effectively corresponds to the types of accounts to which the holder is authorized to access. In the case of a negative control, the procedure is oriented towards refusing access 12 as before.
Dans le cas d'un contrôle positif, il est demandé à l'utilisateur d'indiquer, par exemple au moyen d'un menu 16 affiché à l'écran du terminal, s'il souhaite exécuter une opération de crédit ou une opération de débit . Dans le cas d'une opération de crédit, il est demandé à l'utilisa¬ teur de choisir le compte sur lequel il veut porter ce crédit, par exemple en affichant les différents types de comptes au moyen d'un menu 17 sur l'écran du terminal et en activant des touches 18 (voir figure 1) correspondant seulement aux comptes que le titulaire est autorisé à mouvementer. La transaction 19 est alors effectuée. Si l'utilisateur demande à effectuer une opéra¬ tion de débit, il lui est demandé d'indiquer le montant 20 de ce débit puis de choisir au moyen d'un menu 21 le compte sur lequel il souhaite effectuer ce débit. Il est également possible de lui proposer par ce même menu un compte à débiter.In the case of a positive control, the user is asked to indicate, for example by means of a menu 16 displayed on the terminal screen, whether he wishes to execute a credit transaction or a transaction of debit . In the case of a credit transaction, the user is asked to choose the account to which he wants to carry this credit, for example by displaying the different types of accounts by means of a menu 17 on the terminal screen and by activating keys 18 (see FIG. 1) corresponding only to the accounts that the holder is authorized to move. The transaction 19 is then carried out. If the user requests to carry out a debit operation, he is asked to indicate the amount 20 of this debit then to choose by means of a menu 21 the account on which he wishes to carry out this debit. It is also possible to offer him through this same menu an account to be debited.
Une vérification 22 est ensuite effectuée quant à la possibilité de réaliser le débit demandé sur le compte choisi, soit en vérifiant que le solde du compte est suffisant si celui-ci peut être consulté en ligne, soit en contrôlant simplement que le montant du débit demandé est compatible avec le seuil de débit autorisé sur ce compte.A check 22 is then carried out as to the possibility of carrying out the debit requested on the chosen account, either by checking that the account balance is sufficient if it can be consulted online, or by simply checking that the amount of the debit requested is compatible with the debit threshold authorized on this account.
Lorsque le débit est autorisé la procédure est orientée vers l'exécution de la transaction 19.When debit is authorized, the procedure is oriented towards the execution of transaction 19.
Lorsque le débit n'est pas autorisé, un test 23 est exécuté pour vérifier s'il existe un autre compte sur lequel le débit pourrait être effectué. Dans le cas d'un test positif, la procédure est renvoyée sur le menu 21 de choix d'un compte ou de proposition d'un compte. S'il n'existe aucun autre compte possible, soit parce que tous les comptes ont été consultés, soit parce que le terminal est programmé pour vérifier tous les soldes et n'a trouvé aucun solde suffisant pour accepter le montant du débit demandé, la procédure est orientée vers un refus de transaction 24. On peut également prévoir de cumuler les soldes des différents comptes et de comparer ce cumul au montant du débit souhaité. Dans ce cas, la transaction est effectuée en affectant à chaque compte une partie du montant compatible avec le solde correspondant.When the debit is not authorized, a test 23 is executed to check whether there is another account on which the debit could be carried out. In the case of a positive test, the procedure is returned to menu 21 for choosing an account or proposing an account. If no other possible account exists, either because all the accounts have been consulted, or because the terminal is programmed to check all the balances and has found no sufficient balance to accept the amount of the debit requested, the the procedure is oriented towards a transaction refusal 24. It is also possible to plan to combine the balances of the various accounts and to compare this combination with the amount of the desired debit. In this case, the transaction is carried out by allocating to each account a part of the amount compatible with the corresponding balance.
Bien entendu, l'invention n'est pas limitée au mode de réalisation décrit et on peut y apporter des variantes de réalisation sans sortir du cadre de l'inven¬ tion.Of course, the invention is not limited to the embodiment described and can be added to it. alternative embodiments without departing from the scope of the invention.
En particulier, on pourra prévoir dans la procé¬ dure d'accès la saisie d'un numéro d'identification personnel (PIN) et la comparaison avec un code secret contenu dans la carte.In particular, provision may be made in the access procedure for the entry of a personal identification number (PIN) and the comparison with a secret code contained in the card.
On pourra également modifier l'ordre de certaines opérations du procédé de mise en oeuvre de la carte en fonction des priorités que l'on souhaite donner au contrôle ou à la saisie des données traitées.It is also possible to modify the order of certain operations of the method of implementing the card according to the priorities which it is desired to give to the control or to the entry of the processed data.
Bien que l'invention ait été décrite plus parti¬ culièrement en relation avec un code d'identification mémorisé sur la piste magnétique de la carte, l'invention s'applique également à un code d'identification mémorisé dans un circuit intégré et contrôlé par un code de cohé¬ rence équivalent à celui de la piste magnétique. Although the invention has been described more particularly in relation to an identification code stored on the magnetic strip of the card, the invention also applies to an identification code stored in an integrated circuit and controlled by a coherence code equivalent to that of the magnetic stripe.

Claims

REVENDICATIONS 1. Carte de gestion de comptes multiples, la carte comportant un code d'identification (8) d'un titu¬ laire des comptes, caractérisée en ce que le code d'identi- fication (8) comporte une partie (8.2) représentative des comptes (7) auxquels le titulaire est autorisé à accéder au moyen de la carte.CLAIMS 1. Multiple account management card, the card comprising an identification code (8) of a account holder, characterized in that the identification code (8) comprises a part (8.2) representative of the accounts (7) to which the holder is authorized to access by means of the card.
2. Carte de gestion de comptes multiples selon la revendication 1, caractérisée en ce que la carte comporte en outre un code de cohérence (9) de données contenues dans la carte et en ce que le code d'identification (8) du titulaire est intégralement contenu dans une zone soumise à un contrôle par le code de cohérence (9) .2. Multiple account management card according to claim 1, characterized in that the card further comprises a consistency code (9) of data contained in the card and in that the identification code (8) of the holder is entirely contained in an area subject to control by the consistency code (9).
3. Procédé de gestion de comptes multiples au moyen d'une carte unique en relation avec un terminal, cette carte unique contenant un code d'identification (8) d'un titulaire des comptes, ce code d'identification comportant une partie (8.2) représentative des comptes auxquels le titulaire est autorisé à accéder, caractérisé en ce qu'il comporte l'étape (15) de vérifier par l'inter¬ médiaire du terminal les comptes auxquels le titulaire est autorisé à accéder en comparant la partie correspondante du code d'identification avec une identification (6) des comptes mémorisés dans un serveur associé au terminal . 3. Method for managing multiple accounts by means of a single card linked to a terminal, this single card containing an identification code (8) of an account holder, this identification code comprising a part (8.2 ) representative of the accounts to which the holder is authorized to access, characterized in that it comprises the step (15) of verifying by means of the terminal the accounts to which the holder is authorized to access by comparing the corresponding part of the identification code with an identification (6) of the accounts stored in a server associated with the terminal.
4. Procédé selon la revendication 3 en relation avec une opération de débit, caractérisé en ce qu'il comporte les étapes de choisir par l'intermédiaire du terminal un compte à mouvementer et vérifier si le débit est autorisé sur le compte choisi. 4. Method according to claim 3 in relation to a debit operation, characterized in that it comprises the steps of choosing via the terminal an account to be activated and checking whether the debit is authorized on the chosen account.
5. Procédé selon la revendication 4, caractérisé en ce qu'il comporte en outre les étapes de signaler au niveau du terminal un refus d'exécution du débit demandé et reproposer un choix de comptes à mouvementer.5. Method according to claim 4, characterized in that it further comprises the steps of signaling at the terminal a refusal to execute the requested speed and re-proposing a choice of accounts to be activated.
6. Procédé selon la revendication 4, caractérisé en ce qu'il comporte en outre les étapes de signaler au niveau du terminal un refus d'exécution du débit demandé, vérifier la possibilité d'effectuer le débit demandé sur d'autres comptes du titulaire, et proposer un compte sur lequel le débit demandé peut être exécuté. 6. Method according to claim 4, characterized in that it further comprises the steps of signaling at the terminal a refusal to execute the requested debit, checking the possibility of carrying out the requested debit on other accounts of the holder , and propose an account on which the requested debit can be executed.
PCT/FR1997/000314 1996-02-23 1997-02-20 Multiple account management system and method using same WO1997031343A1 (en)

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Applications Claiming Priority (2)

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FR96/02250 1996-02-23
FR9602250A FR2745406B1 (en) 1996-02-23 1996-02-23 MULTIPLE ACCOUNT MANAGEMENT CARD AND IMPLEMENTATION METHOD

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Also Published As

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FR2745406A1 (en) 1997-08-29
FR2745406B1 (en) 1998-06-26
AU2098897A (en) 1997-09-10

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