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    • 3. 发明申请
    • METHOD AND SYSTEM FOR SELF-ADMINISTRATING
    • 自动管理“离线”货币交易的方法和系统
    • WO2008000297A1
    • 2008-01-03
    • PCT/EP2006/063549
    • 2006-06-26
    • BIUCCHI, SergioMANTOVANI, Marco
    • BIUCCHI, SergioMANTOVANI, Marco
    • G07F7/08G06Q20/00
    • G06Q20/20
    • The system according to the invention basically comprises: one or more smart cards or chip cards called Cash Card, where an integrated circuit chip with a secret code is placed; the Cash Card is available for the public (customers/users) and may be obtained at banks and/or proposed entities; one or more smart cards or chip cards called Administrator Cash Card, where an integrated circuit chip with a secret code is placed; The Administrator Cash Card is available for commercial operations and public agencies, and may be obtained at banks and / or proposed entities; one or more reading/writing terminals for crediting the Cash Card and the Administrator Cash Card, set up at banks and/or proposed entities; one or more "off-line" terminals for reading/debiting the Cash Card and writing/crediting the Administrator Cash Card, placed in any commercial enterprise, private or public agency etc. This kind of devices is not connected to any banking system; one or more terminals for Administrator Cash Card debiting or crediting: it is a reading/writing/depositing terminal (to current account, conventional savings account or electronic savings account) set up at banks and/or proposed entities.
    • 根据本发明的系统基本上包括:一个或多个称为现金卡的智能卡或芯片卡,其中放置具有密码的集成电路芯片; 现金卡可用于公众(客户/用户),可以在银行和/或拟议实体获得; 称为管理员现金卡的一个或多个智能卡或芯片卡,其中放置具有密码的集成电路芯片; 管理员现金卡可用于商业运营和公共机构,可以在银行和/或拟议实体获得; 一个或多个读/写终端,用于存入银行和/或拟议实体的现金卡和管理员现金卡; 一个或多个“离线”终端,用于读取/借记现金卡,写入/记入放置在任何商业企业,私人或公共机构等中的管理员现金卡。这种设备不连接到任何银行系统; 用于管理员现金卡借记或贷记的一个或多个终端:它是在银行和/或拟议实体设立的读/写/存放终端(经常账户,常规储蓄账户或电子储蓄账户)。