CA2429768A1 - System and method for buying a product by deffered financial transaction - Google Patents

Abstract

The point-of-sale transaction method via a portable personal transaction identification and control device (DPPICT) includes the following steps: a) transmitting the transaction amount to the DPPICT; b) indicate the amount of the transaction via a DPPICT communication device; c) validate the transaction; and d) apply the transaction to a financial source associated with the DPPICT.

Description

s TTT FD ~. .'INVENTION:
sY ~ T ~ .M. AND M ~ .THOD. PO rrt T.'A .HAT n 'N PROD rrr .N DIFF ~. F
FIELD OF THE INVENTION
The present invention relates to a transaction system and method, and more particularly to a transaction system and method comprising a personal device transaction identification and control. An achievement of this invention relates to a system and method for purchasing a offline product. Another realization of this invention relates to a system and method for temporary access to a product by means of a Smartcard.
STATE OF THE ART
It is currently known to carry out transactions using devices personal identification. These personal identification devices can be, for example, a credit card. These personal identification devices include an element which allows the user of the device to be linked to a money or credit held by this user. One such element for making this link, is a strip magnetic affixed to a plastic card, which includes a code specific to the user's account, or one more chip electronic comprising such a code specific to the user's account.
When a user wishes to make a transaction with a device of personal identification for the purchase of a product from a supplier of product, the transaction is concluded by means of an interface machine which makes it possible to debit the account of the user, the latter being identified by the interface machine thanks to the device personal identification.
So, for example, the following steps are performed to perform a traditional transaction charged to a credit card account user upon purchase merchandise at a retailer with an interface machine likely to read them magnetic stripes of credit cards: (a) the amount of the transaction is transmitted to the machine

2 interface in an appropriate manner (by a keyboard provided on the machine, or by the transfer of this information via a link with an electronic cash register or a computer);
(b) the user notes the amount displayed on the interface machine, and if it accepts the amount of this transaction, then: (c) the retailer's employee swipes the credit card into the tape drive magnetic of the interface machine, which then obtains, in the form coded, code of identification associated with the credit card account of the holder of the menu; (d) the machine interface then contacts the financial institution that issued the card, to check, at using information about the card holder's account, which the customer account is in good order, and taking into account the credit limit, the institute financial accept the transaction, applies it to the customer's account, and transmits a confirmation message from the transaction to interface machine; (e) the interface machine then prints a ticket on paper, which tells the credit card user that the transaction is approved, and the user signs the ticket, to indicate their approval of the transaction amount; two copies of ticket are retained, one for the retailer, the other for the card holder.
For a debit card transaction with magnetic stripe, the steps are similar to those of a credit card transaction, except that the account joined by the interface machine will be a bank account, and the money transfer will so do it immediately from the debit card holder's account to the retailer's account.
Also, none signature is usually not required for transactions made by the through a card debit but a personal identification number known to the holder of the card only, must be stamped on the keyboard of the interface machine in order to authorize the transaction. This number personal identification hallmarked on the keyboard of the interface machine is verified by the interface machine, which ensures that it corresponds to the identification number staff of the user who is associated with the user's bank account.
In the two cases indicated above, it is interesting to note that the card is than a simple tool to enable the financial institution, by the machine interface located at the retailer, identify which account should be charged the transaction that takes place at the retailer. So, to the extent that the amount indicated on the screen display of the interface machine is not the same as the amount traded between the machine

3 interface and the financial institution, fraud is possible, since the card holder has no control over the amount to be traded.
SUMMARY OF THE INVENTION
The present invention relates to a point of sale transaction method.
through through a DPPICT comprising the following steps:
a) transmit the amount of the transaction to the DPPICT audit;
b) indicate the amount of the transaction via a communication device said DPPICT;
c) validate said transaction; and d) apply said transaction to a financial source associated with said DPPICT.
The present invention also relates to a method according to claim characterized in that, in step (d), said transaction is applied to a financial source associated with said DPPICT which is not located on said DPPICT according to the following steps:
d 1) encode on the said DPPICT the amount of the transaction with a signature electronic own DPPICT audit;
d2) transmit the amount of the encoded transaction from said DPPICT to a institution financial associated with the DPPICT audit; and d3) decode the nature and amount of the transaction and apply it transaction to a account associated with the DPPICT audit at the said financial institution associated with the audit PPITCD.
Preferably, in step (c), said transaction is validated on said DPPICT.
Preferably, in step (d), said transaction is directly applied to a financial source associated with said DPPICT which is located on said DPPICT.
Preferably, said DPPICT is an electronic wallet.
The present invention also relates to a method for an individual who East DPPICT holder completes a transaction at a point of sale by through said DPPICT, said method comprising the following steps:
a) transmit the amount of the transaction to an interface machine of said point of sale;

4 b) establishing communication between said interface machine and said DPPICT;
c) transmit from said interface machine to said DPPICT the amount of the transaction;
d) indicate to the holder of the said DPPICT the amount of the transaction via a device communication of said DPPICT;
e) validation of the transaction by the holder of said DPPICT;
f) enter the amount of the transaction on the said DPPICT with a signature electronic own DPPICT audit;
g) transmit the amount of the transaction encoded from said DPPICT to said machine interface;
h) transmit the transaction amount encoded from said machine interface to a financial institution of the holder of said DPPICT associated with said DPPICT;
i) decode the nature and amount of the transaction at said institution financial holder of said DPPICT, and apply the amount of the transaction to an account of the holder of the PPITCD; and j) send a confirmation message of the transaction by said institution financial to said interface machine of said point of sale.
Preferably, said DPPICT is a credit chip card.
Alternatively, said DPPICT is a debit smart card.
Preferably, the transmission of the transaction amount to said machine interface of said point of sale in step (a) is done through a keyboard provided on said interface machine.
Preferably, that the communication between the interface machine and the DPPICT
of step (b) is established by direct contact between an electronic chip provided on said DPPICT
and said interface machine.
Alternatively, the communication between the interface machine and the DPPICT of step (b) is established by optical waves between an electronic chip provided on said DPPICT and said interface machine.
Preferably, the communication between the interface machine and the DPPICT of step (b) is established only if a personal identification code is punched on a keyboard provided on said interface machine.
Preferably, the communication to the holder of the DPPICT of the amount of the transaction of step (d), is done via a display screen provided on said DPPICT which displays the amount of the transaction, allowing visual inspection of this amount by the holder of said PPITCD.
Preferably, the validation of the transaction by the holder of said DPPICT
of step (e), is carried out by means of a validation button provided on said PPITCD.

5 Alternatively, validation of the transaction by the holder of said transaction DPPICT of step (e), is carried out by means of a validation button provided on said machine interface.
Alternatively, validation of the transaction by the holder of said DPPICT
of step (e), is carried out by means of a biometric parameter detector provided on said PPITCD.
Preferably, said biometric parameter detector is a detector fingerprint.
Preferably, the validation of the transaction by the holder of said DPPICT
of step (e), is performed in addition by means of a validation button provided on said DPPICT.
Preferably, the validation of the transaction by the holder of said DPPICT
of step (e), is carried out by means of at least two operations of validations sequential or simultaneous.
Preferably, said encoding on the DPPICT of the amount of the transaction to step (f), is done by means of an electronic signature specific to the DPPICT
in the form of a cryptographic code.
The present invention also relates to a point transaction system.
of sale through a DPPICT including:
a) means for transmitting the amount of the transaction to said DPPICT;
b) means for indicating the amount of the transaction via a communication said DPPICT;
c) means for validating said transaction; and d) means for applying said transaction to a financial source associated with audit PPITCD.
The present invention also relates to a transaction system according to the claim 21, characterized in that said financial source is not located on the smart card,

6 said means for applying said transaction to said financial source associated with the DPPICT audit comprising:
- means for encoding the amount of the transaction with said DPPICT
a electronic signature specific to the DPPICT audit;
- means to transmit the amount of the encoded transaction from the DPPICT
towards a financial institution associated with the DPPICT audit; and - means to decode the nature and amount of the transaction and apply said transaction to an account associated with said DPPICT at said financial institution associated with audit PPITCD.
The invention also relates to a system for an individual who is holder of a DPPICT completes a transaction at a point of sale by through said DPPICT, said system comprising:
a) means for transmitting the amount of the transaction to a machine said interface point of sale;
b) means for establishing communication between said interface machine and said PPITCD;
c) means for transmitting from said interface machine to said DPPICT the amount of transaction;
d) means of indicating to the holder of the said DPPICT the amount of the transaction via a communication device of said DPPICT;
e) means for the validation of the transaction by the holder of said PPITCD;
f) means for encoding the amount of the transaction with said DPPICT
a electronic signature specific to the DPPICT audit;
g) means for transmitting the encoded transaction amount from the DPPICT to said interface machine;
h) means for transmitting the amount of the encoded transaction of said machine interface with a financial institution of the holder of said associated DPPICT
DPPICT audit;

7 i) means for decoding the nature and amount of the transaction to said financial institution of the holder of the said DPPICT, and application of the amount of the transaction to a DPPICT holder account; and j) means for sending a message confirming the transaction by said financial institution at said interface machine of said point of sale.
The present invention also relates to a method for purchasing a product.
offline by means of a portable transaction device (TPD) which includes an electronic chip, including the following steps:
a) establishing communication between said DPT and a first machine interface;
b) we download onto said DPT, from said first machine interface code transaction associated with said product, said DPT recording said memory in memory transaction code;
c) the communication between said first interface machine is interrupted and said DPT;
d) establishing communication between said DPT and a second machine interface;
e) downloading onto said second interface machine, from said DPT, said code of transaction associated with said product; and f) delivering said product associated with said transaction code.
The present invention also relates to a method for the purchase of a product in deferred by a customer holding a smart card, from a product supplier having a terminal, including the following steps:
(a) communication is established between said customer's smart card and a first machine interface;
(b) the customer selects the product he wishes to buy on said machine interface;
(c) the data associated with the product are downloaded from said first interface machine to said terminal of the product supplier;
(d) the product supplier reserves the product selected by the customer;
(e) the product supplier associates a transaction code with the product Reserve;
(f) the terminal of the product supplier downloads said transaction code at said first interface machine;
(g) said first interface machine downloads said transaction code to said card to chip, which saves it in memory;

oh (h) communication is broken between said smart card and said first machine interface;
(i) communication is established between said smart card and a machine point interface sales;
(j) said transaction code is downloaded from the smart card to the interface machine point of sale;
(k) said transaction code is downloaded from the interface machine of the point of sale to product supplier terminal;
(1) the product supplier associates the reserved product with said code transaction;
(m) the product supplier downloads the data associated with said product reserved towards said point of sale interface machine;
(n) said reserved product is delivered to the customer from said point of sale;
(o) communication is broken between said interface machine from the point of sale and said customer's smart card; and (p) the customer pays for the product using said smart card, or between steps (b) and (h) exclusively, or between stages (j) and (o) exclusively.
Preferably, the method also comprises the following step, between the steps (a) and (b):
(al) said interface machine downloads from said terminal of the product supplier the list of available products.
Preferably, said first interface machine and said machine interface point of sale are one and the same interface machine.
Alternatively, said first interface machine and said machine interface point of sale are physically located in different places.
Preferably, said smart card is provided with personal data pre associated with the client, said method further comprising the next steps, between steps (a) and (b):
(al) said personal data pre-recorded on said smart card are downloaded to said first interface machine;

(a2) said personal data is downloaded from said first interface machine to said terminal of the product supplier; and (a3) said terminal of the product supplier supplies to said machine interface a list of products based on personal data downloaded from the client on said terminal of product supplier;
and in that, in said step (b), the customer selects the product he wish to buy from said list of products provided by said terminal of the product supplier.
The present invention also relates to a system for purchasing a product.
in deferred by means of a DPPICT, comprising:
a) means for establishing communication between said DPPICT and a first machine interface;
b) means for downloading onto said DPPICT, from said first machine interface, a transaction code associated with said product, said DPPICT
recording in memory said transaction code;
c) means for interrupting the communication between said first machine interface and said DPPICT
d) means for establishing communication between said DPPICT and a second machine interface;
e) means for downloading to said second interface machine, from said DPPICT, said transaction code associated with said product; and f) means for delivering said product associated with said transaction code.
The present invention also relates to a system for purchasing a product in deferred by a customer holding a smart card, from a product supplier having a terminal, said system comprising:
(a) means for establishing communication between said smart card of the client and a first interface machine;
(b) means for the customer to select the product he wishes to buy on said interface machine;
(c) means for the data associated with the product to be downloaded of said first interface machine to said terminal of the product supplier;

(d) means for the product supplier to reserve the product selected by the client;
(e) means for the product supplier to associate a code of product transaction Reserve;
(f) means for the product supplier to download said code transaction to said 5 first interface machine;
(g) means for said first interface machine to download said interface code of transaction to said smart card, which stores it in memory;
(h) means for communication to be broken between said smart card and said first interface machine;
10 (i) means for communication to be established between said card chip and a point of sale interface machine;
(j) means for said transaction code to be downloaded from the card smart to the point of sale interface machine;
(k) means for said transaction code to be downloaded from the interface machine point of sale to the terminal of the product supplier;
(1) means for the product supplier to associate the reserved product audit code of transaction;
(m) means for the product supplier to download the data associated with audit reserved product to said point of sale interface machine;
(n) means for said reserved product to be delivered to the customer from from said point of sale;
(O) means so that communication is broken between said machine interface point of sale and said customer's smart card; and (p) means for the customer to pay for the product by means of said Smartcard.
The present invention also relates to a method of temporary access to a product accessible via an access device, using a smart card, including the steps following:
a) we reserve the product and we choose temporary access conditions to the produced by said smart card via a first interface machine;
b) an access code associated with said reserved product and with said downloads is downloaded Terms of Access temporary on said smart card, which stores it in memory;

c) said access code is downloaded from said smart card to a second machine interface capable of controlling said access device;
d) it is verified by means of said second interface machine that said Terms of Access temporary associated with said access code are encountered, and in faffrmative we order said access device so that it allows access to said product; and e) we pay for temporary access to said product at any time after step (a) to using said smart card.
The present invention also relates to a method of temporary access to a product of a product supplier and accessible via an access device, by a holder customer a smart card, comprising the following steps:
a) communication is established between said customer's smart card and a first machine interface likely to communicate with a terminal of the supplier of product;
b) the customer selects the desired product as well as the access conditions temporary at this product on said terminal of the product supplier via said first interface machine;
c) said product is reserved on said terminal of the product supplier;
d) said terminal of the product supplier stores a code in memory associated access said reserved product and said associated temporary access conditions reserved product audit;
e) said terminal of the product supplier downloads said access code associated with said product on said smart card, which stores it in memory, via said first interface machine;
f) communication between said smart card and said first machine interface is broken;
g) communication is established between said smart card and a second interface machine associated with said reserved product, said second interface machine being susceptible to communicate with said terminal of the product supplier and being susceptible to order said access device;
h) said product access code is downloaded from said smart card to said terminal of product supplier, via said second interface machine;
i) said product supplier verifies that said access conditions associated temporary said access code are encountered, and if so uploads to said second machine interface an access message;
j) on receipt of said access message, said second interface machine order said access device so that it allows customer access to said product; and k) the customer pays for temporary access to said product either between stages (b) and (f) exclusively, or after step (g), by means of said smart card.
The present invention also relates to a method of temporary access to a product of a product supplier and accessible via an access device, by a customer with a smart card, said method comprising the following steps:
a) communication is established between said customer's smart card and a first machine interface;
b) the communication is established between said first interface machine and a terminal of product supplier;
c) the customer selects the desired product and access conditions temporary at this produced on said first interface machine;
d) the data associated with said product and with said access conditions temporary selected are downloaded from said first interface machine to said terminal of product supplier;
e) said product is indicated reserved on said terminal of the supplier of product;
f) said terminal of the product supplier stores said memory in memory Terms of Access temporary associated with said reserved product and associate an access code to them;
g) said terminal of the product supplier downloads to said first machine interfacing said product access code;
h) said first interface machine downloads said access code to said product towards said smart card, which stores it in memory;
i) the communication between said smart card and said first machine interface is broken;
j) communication is established between said smart card and a second interface machine associated with said reserved product;
k) said access code to said product is downloaded from said smart card to said second interface machine;
1) said second interface machine downloads to said terminal of the product supplier said access code;
m) said product supplier verifies that said access conditions temporary associated said access code are encountered, and in faffrmative downloads to said second machine interface an access message;

n) on receipt of said access message, said second interface machine order said access device so that it allows customer access to said product; and m) the customer pays for the temporary access to said product by means of said smart card either between steps (c) and (i) exclusively, or after step (j).
S Preferably, said temporary access conditions to said product include a access limited in time.
Preferably, the method also comprises the following step between the steps (b) and (c):
(b1) the list of available products from the product supplier is downloaded from the terminal product to said first interface machine.
Preferably, step (b 1) also includes a download of restrictions the temporary access conditions associated with said product from said terminal of the product supplier to said first interface machine, and in that the selection of said Terms of Access temporary in step (c) is done taking into account said restrictions on Terms of Access temporary.
The present invention also relates to a temporary access system to a product accessible via an access device, using a smart card, comprising:
a) means to reserve the product and choose access conditions temporary to produced by means of said smart card via a first interface machine;
b) means for downloading an access code associated with said reserved product and said temporary access conditions on said smart card, which saves it in memory;
c) means for downloading said access code from said smart card to a second interface machine capable of controlling said access device;
d) means for verifying by means of said second interface machine that said temporary access conditions associated with said access code are met, and means for that if so, said access device is controlled so that it allows access to audit product; and e) means to pay for temporary access to said product at a time any after step (a) by means of said smart card.
The invention also relates to a temporary access system to a product.
a product supplier and accessible via an access device, by a customer card holder chip, comprising:

a) means for establishing communication between said smart card of the client and a first interface machine capable of communicating with a terminal on the supplier product;
b) means for selecting the client the desired product as well as the Terms of Access temporary to this product on said terminal of the product supplier via said first machine interface;
c) means for reserving said product on said terminal of the supplier of product;
d) means for said terminal of the product supplier to record in memory one access code associated with said reserved product and said access conditions associated temporary reserved product audit;
e) means for said terminal of the product supplier to download said access code associated with said product on said smart card, which stores it in memory, via said first interface machine;
f) means for breaking the communication between said smart card and said first interface machine;
g) means for establishing communication between said smart card and a second interface machine associated with said reserved product, said second machine interface being likely to communicate with said product supplier and being susceptible to controlling said access device;
h) means for said product access code to be downloaded from said Smartcard to said terminal of the product supplier, via said second machine interface;
i) means for said product supplier to verify that said product Terms of Access temporary associated with said access code are encountered, and means for that in if so, said product provider downloads around said second interface machine one access message;
j) means for controlling, by means of said second interface machine, said access device so that the customer can access said product on receipt of said message access; and k) means to pay for temporary access to said product, either between steps (b) and (f) exclusively, or after step (g), by means of said smart card.

The invention also relates to a system for temporary access to a product.
a product supplier and accessible via an access device, by a customer card holder chip, said system comprising:
a) means for establishing communication between said smart card of the client and a 5 first interface machine;
b) means for establishing communication between said first machine interface and a product supplier terminal;
c) means for the customer to select the desired product as well as terms temporary access to this product on said first interface machine;
D) means for the data associated with said product and said Terms of Access selected temporary are downloaded from said first machine interface to said product supplier terminal;
e) means so that said product is indicated reserved on said terminal from the supplier of product;
F) means for said terminal of the product supplier to record in memory said temporary access conditions associated with said reserved product and their associate a code access;
g) means for said terminal of the product supplier to download towards said first machine for interfacing said product access code;
h) means for said first interface machine to download said interface access code said product to said smart card, which stores it in memory;
i) means for the communication between said smart card and said first interface machine is broken;
j) means for communication to be established between said smart card and an second interface machine associated with said reserved product;
k) means for said access code to said product to be downloaded from said smart card to said second interface machine;
I) means for said second interface machine to download to said terminal of product supplier said transaction code;
m) means for said product supplier to verify that said product Terms of Access temporary be encountered, and if so uploads to said second machine interface an access message;

n) means so that, on receipt of said access message, said second machine interface controls said access device so that it allows access from the customer audit product; and m) means for the customer to pay for temporary access to said product at means said smart card.

BR ~ VE DESCRIPTION OF THE FIGURES
In the accompanying drawings:
Figure 1 is a schematic view of an embodiment of the system transaction in accordance with the present invention;
Figure 2 is an elevational view of the end of the chip card of the figure FIG. 3 is a diagram showing steps in carrying out the method transaction in accordance with the present invention;
Figure 4 is a schematic view of an embodiment of the purchase system of a offline product according to the present invention;
FIG. 5 is a diagram showing steps in carrying out the method purchase of a delayed product according to the present invention;
Figure 6 is a schematic view of an embodiment of the access system temporary to a product according to the present invention;
FIG. 7 is a diagram showing steps in carrying out the method temporary access to a product in accordance with the present invention; and FIG. 8 is a diagram showing steps of another embodiment of the method of temporary access to a product according to the present invention.

DETAILED DESCRIPTION OF THE REALIZATIONS OF THE INVENTION
A. SYSTEM AND METHOD FOR PERFORMING A TRANSACTION
FIG. 1 shows a transaction system 10 according to an embodiment of the present invention. The transaction system 10 includes a machine interface, which is here represented in the form of a flow machine 12, the latter being connected to a terminal point of sale 14, by an adequate communication system, for example by fiber optics or by a wireless communication system. Terminal 14 can be, for example, a case electronics or computer.
The flow machine 12 is also connected, via an adequate network, for example a fiber optic network or wireless communication system, to a terminal of an institution financial 18, for example the terminal of a bank. This link can be coded according to a system of encryption, as it is obvious to do for someone skilled in the art of the transmission of data in confidential form via computer systems.
The flow machine 12 is optionally provided with an interface, comprising through example one or more of the following: a display screen 20, a indicator light indicator 22, a keyboard comprising keys 24, and a single button authorization 25. The flow machine 12 also includes a communication device 26, which is represented from schematically in Figure 1 in the form of a card slot smart but that can be in any acceptable form of known communication, for example a reader optic and a optical transmitter for receiving and sending information under waveform optics.
The transaction system 10 also includes a personal device portable Transaction Identification and Control (DPPICT), illustrated in the example of figure 1 under form of a smart card 28, which may have a conventional format. The map smart 28 includes an electronic chip 30, and a communication device 32 complementary to communication device 26 of the flow machine 12; so if for example the device communication 26 of the flow machine 12 is an arrangement of transmitter and receiver optical, then the communication device 32 of the smart card 28 is so he too arrangement of optical transmitter and receiver capable of communicating with transmitters and the flow machine optical receivers 12. The communication device smart card 28 is connected to the electronic chip 30.
The smart card 28 also comprises an interface device allowing the minus the emission of information and connected to the electronic chip 30. This interface device the smart card 28 can include a small speaker capable of emitting audio messages; a device capable of transmitting messages in Braille; or again, such as illustrated in figure 1, can comprise a display screen 34 also connected to the electronic chip 30.
No matter the exact format that takes the smart card interface device 28, it must be able at all least to transmit or communicate information to the holder of the menu.
Optionally, the interface device of the smart card 28 can at least surplus understand one or the following two elements: a keyboard comprising a single key 36 connected chip 30 or several keys (not shown) connected to the chip 30, and a detector biometric parameter such a fingerprint detector 38 connected to the chip 30.
According to the present embodiment of the invention, the system 10 is adapted for use when purchasing a product which may be a commodity or a service, at a point of sale, by a client. The smart card 28 is the property of the customer.
According to the transaction method of the present invention with the system of transaction 10, the client wishing to complete a transaction for the purchase of his product, can pay with his debit card 28. To do this, the amount of the purchase is communicated to the flow machine 12, which then waits for communication to be established with the customer's card. AT
note that the purchase amount can be communicated to the debit machine i 2 by punching in information directly on his keyboard 24, or alternatively this amount can be downloaded at the debit machine 12 from the point of sale terminal 14.
When communication is established between the smart card 28 and the machine interface 12 by means of complementary communication devices 26 and 32, the machine debit 12 transmits to the electronic chip 30 of the debit card 28, the transaction amount.
This amount is then indicated to the customer, via the screen display 34 which him allows you to visually see the amount of the transaction on your card at puce 28. The amount can optionally also be indicated on the display screen 20 of the flow machine 12. If the client accepts the transaction amount as shown on the screen map display 34 chip 30, then it validates the transaction.

Note that the validation of the transaction by the customer can be done according to at minus one, or alternatively several, of the following methods: by pressing on the button validation 36 located on the card 28, or on an arrangement of keys (not illustrated) located on the card 28; by applying his finger to the fingerprint sensor 38 located on map 28; in 10 pressing the validation button 25 located on the flow machine 12, or using a appropriate combination of keys 24 of the flow machine 12.
Preferably, at least one personal authentication method associated with the client will be used to validate the transaction, for example detecting a fingerprint or entering a number Identification personal (PIN) secret and known only to the customer, who is hallmarked either on the keyboard 24 of the 15 debit machine 12, either on the keys (not shown) of the card chip 28, which can be located directly on the screen if it is in the form of a screen touch, for example.
Once the transaction has been validated, the electronic chip 30 on the debit card encode the transaction amount by means of an electronic signature which will confirm that the 20 transaction amount comes from the customer's card. The transaction amount thus coded is then routed to financial institution 18 from the flow machine 12, where the customer's account is debited with the transaction amount, after this amount of transaction has been decoded and the identification of the card holder debit has been confirmed.
Then, the financial institution 18 can finally send a confirmation to the flow machine 12, to indicate that the customer's account has been debited with the amount of the transaction.
According to the transaction method indicated above, the client controls himself the amount that will be debited from his account, since his account will be debited from amount that will have been authorized by the client, and this amount will be encoded using a signature specific to the customer's card, thus preventing the amount from being tampered with at the point of sale of the product purchased or between the interface machine and financial institution.

Transaction system 10 may be applicable to a credit transaction rather than debit. In the case of a credit transaction, a smart card credit is used instead of a debit chip card, and the customer's account in the financial institution is a account in a credit company.
The purchase of a product can be done during the transaction in exchange for currency money, or other suitable exchange units, for example points promotional credited to the buyer's account.
More generally, the method according to the present invention for to permit to an individual who is the holder of a portable personal device identification and control of transaction (DPPICT) to complete a transaction at a point of sale by through her DPPICT includes the following steps, as illustrated in Figure 3:
a) transmit the amount of the transaction to a point interface machine sales (50);
b) establishing communication between the interface machine and the DPPICT (52);
c) transmit from the interface machine to the DPPICT the amount of the transaction (54);
d) indicate to the DPPICT holder the amount of the transaction via a device communication from the DPPICT (56);
e) validation of the transaction by the holder of the DPPICT (58);
f) encode on the DPPICT the amount of the transaction with a signature electronic specific to the DPPICT (60);
g) transmit the transaction amount encoded from the DPPICT to the machine interface (62);
h) transmit the transaction amount encoded from the interface machine to an institution financial of the DPPICT holder associated with the DPPICT (64);
i) decoding the nature and amount of the transaction at the institution financial DPPICT holder, and application of the transaction amount to the account of holder of DPPICT (66); and j) sending of a confirmation message of the transaction by the institution financial to point of sale interface machine (68).
It is understood that the DPPICT can be any form of credit card or from debit, or any other portable device including an electronic chip and allowing to carry out the steps of the method according to the present invention, for example a wallet electronic.
Transmission of the transaction amount to the point interface machine of sale can be made by any acceptable form of transmission. If a keyboard is provided on the interface machine, then the amount can be punched on the keyboard.
Alternatively, a voice recognition software can be provided in the machine interface, as well as electronic chip, and means for picking up the voice of a person such as a microphone.
Alternatively, the amount can be downloaded from the point terminal sales to interface machine.
Communication between the interface machine and the DPPICT can be established any acceptable way, for example by direct contact between a chip electronics provided on the DPPICT and the interface machine, by magnetic waves, by waves optical, or whatever. according to an embodiment of the invention, it is envisaged that this communication does not be established that if a personal identification code is stamped on the machine's keyboard 24 interface, or still on a keyboard provided on the DPPICT itself (not illustrated). We can also consider another form of authorization required from the user so that the communication is established between the DPPICT and the interface machine, by example a button authorization located on the DPPICT.
The transmission of the transaction amount from the interface machine to DPPICT is done via the pre-established link.
Indication to the holder of the DPPICT of the amount of the transaction can be done via any suitable communication device which is provided on the PPITCD. For example, the DPPICT can be provided with the display screen 34 which will display the amount of the transaction, allowing visual inspection of this amount by the DPPICT holder.
Alternatively, the DPPICT can be equipped with appropriate software and a system miniature amplification as well than a loudspeaker allowing the DPPICT to transmit to its holder the amount of sound wave transaction.

It is also envisaged that the validation of the transaction by the holder of the DPPICT takes many different forms. For example, a button validation can be provided on the card, with electrical contact established mechanically when the button is pressed (button 36 in Figure 1). This validation button can alternatively be located on the interface machine (button 25 in Figure 1). I) is also possible that validation has place only if a personal biometric parameter of the holder is validly recognized by the DPPICT, the DPPICT then being provided with a biometric parameter detector appropriate. Through example, we can consider voice recognition software, coupled with a microphone, which will verify that the voice of the DPPICT holder is correct by comparison waves sound. Alternatively, a fingerprint detector 38 can be provided on the DPPICT
so that it verifies the authenticity of the holder of the DPPICT when this one apply his finger to the detector 38.
The validation of the transaction by the DPPICT holder can also be do by any combination of two or more means of validation. So, it is envisaged that the validation of the transaction will only be carried out if, for example, two fingerprint sensors on the front and back of the card, do not be engaged in same time by the appropriate fingers of the DPPICT holder. Or, the validation could only be performed if an appropriate fingerprint is detected, and a button validation on the card is stamped. The validation button and the detector fingerprint digital could be physically located in the same place on the map, so that a single application of the DPPICT holder's finger is sufficient.
The transaction amount is encoded on the DPPICT using a electronic signature specific to the DPPICT. More specifically, this signature may be under several different forms. It is thus envisaged that the signature is a code cryptographic which will make the transaction amount illegible for anyone except the financial institution that holds the key to the cryptographic code. For this purpose, we consider for example the use of a system of public and private keys, where the DPPICT is the sole holder of the private key which allows the encoding of transaction amounts, and where (or the) institutions) financial) hold the public keys used to decode the amount of the transaction received. He will obvious to the person skilled in the art of encoding to determine the most appropriate way and the safest way to encode the transaction amount on the DPPICT.
Transmission of the encoded transaction amount from the DPPICT to the machine interface is always done by the same link established initially.
Transmission of the transaction amount encoded from the interface machine at the financial institution of the DPPICT holder is made according to any form of communication appropriate, for example via modems, by communication with or without wires.
I1 is understood that the financial institution of the DPPICT holder is associated with the DPPICT
to the extent that a account of the DPPICT holder is associated with the DPPICT and where the institution financial can decode the nature and the encoded amount of the transaction. The nature of the transaction refers to type of transaction that can be done, for example if it is a debit, credit transaction, Or other. Once the amount is decoded, this amount is applied to the account of holder of DPPICT appropriately depending on the nature of the transaction to be brought to account. The institution financial can be a bank, a credit company, or any other institution where the holder of the DPPICT has an account.
The institution sends a message confirming the transaction financial to the point of sale interface machine is done again by through known means, for example a modem or wireless communication. Once the transaction validated by the financial institution, the transaction is completed.
More generally, the point of sale transaction method by via a DPPICT can also be defined according to the steps following:
a) transmit the amount of the transaction to the DPPICT;
b) indicate the amount of the transaction via a communication device of the PPITCD;
c) validate the transaction; and d) apply the transaction to a financial source associated with said DPPICT.
It can indeed be noted that the DPPICT can be a smart card or a other device that will communicate with a financial source that is not located on the DPPICT, or alternatively the DPPICT can be an electronic wallet or another similar device who will contact a financial source that is located on the DPPICT.
According to the latter alternative, the DPPICT must be charged in advance with a certain amount money, as it is known to do this for electronic wallet type devices.
So the transaction is 5 then applied directly to the financial source of the DPPICT which is then located on the chip of the DPPICT.
However, if we apply the transaction to a financial source associated with the DPPICT which is not located on said DPPICT, this is done according to the steps following:
10 dl) enter the transaction amount on the DPPICT with a signature electronic specific to the DPPICT;
d2) transmit the encoded transaction amount from the DPPICT to a Financial institution associated with the DPPICT; and d3) decode the nature and amount of the transaction and apply the account transaction 15 associated with the DPPICT to the financial institution associated with the DPPICT.
S. SYSTEM AND METHOD OF PURCHASING A DEFERRED PRODUCT
According to an embodiment of the present invention, a smart card can be used to buy a product using a delayed purchase method of this product.
This smart card can be used as a DPPICT. The method of purchasing a deferred product maybe or not not be accomplished in combination with the method for accomplishing a transaction such as described above.
The method of purchasing a product is done in accordance with the diagram in the figure 4. Initially, a customer holding a chip card 100, which can to be a card of debit, credit card or electronic wallet, contacts with a first interface machine 102 by means of its chip card 100, in order to purchase a product any. The product can be a commodity, a service, and the term "purchase" includes the rental within the meaning of this method of purchasing a deferred product. of the methods known authentication methods, such as those using a number personal identification, can be used to verify the identity of the card holder at chip.
Once the communication has been established between the smart card 100 and the machine interface 102, the customer chooses on the interface machine 102 the product he wants to buy. The list of available products can be located on the interface machine as such, or alternatively this list of products can be downloaded from the terminal of a supplier 104 of this product with which the interface machine can be communicated by known means, for example a modem or wireless communication. Once the product selected, the client must indicate that they reserve it, and may pay for this product, depending on the payment policy product supplier. Thus, a customer account associated with his smart card, for example a bank account, a credit account, or a currency account located on microchip itself (which is then an electronic wallet) - this account, therefore, is debited amount associated with the purchase of the selected product.
Once the purchase of the product has been validated, the data associated with the product purchased are downloaded from the first interface machine 102 to the terminal from the supplier of product 104, and this product is appropriately indicated in the bank of data from product supplier as being reserved. The supplier's terminal product 104 combines then a transaction code to this purchased product, and this transaction code is registered in association with the product on the terminal of the product supplier 104, and this code is also downloaded to the interface machine 102, then to the smart card 100 to from the machine interface 102. The transaction code is saved and stored in memory by smart card 102.
It should be noted that the intervention of the product supplier may be automated insofar as the terminal of the product supplier 104 is provided with a adequate software, that is to say that the terminal equipped with this adequate software can provide a list of products available at the interface machine, receive the reservation order from a product, indicate the product as reserved in the terminal inventory of the supplier of product, associate a code transaction code to the product, then upload this transaction code to the interface machine, without human intervention. Alternatively, an individual interacting with the supplier terminal 104 can manually control the terminal 104 so that the steps relevant be accomplished.
It is envisaged, in accordance with an alternative of the present invention, one certain personal data is pre-recorded on the card to chip. Those data personal data are of course specific to the card holder, and may include, not exclusive: the holder's name, address, telephone number, preferences concerning certain particular products, etc ... These personal data can be downloaded from the smart card to the interface machine 102, then to supplier terminal product 104, to be recorded there until delivery of the product.
Once the transaction code has been received by the chip card 100, the reservation and the purchase of the product is completed, and the communication between the smart card 100 and the first interface machine 102 is broken.
Subsequently, when the customer wishes to take possession of the reserved product and purchased, he establishes communication between his smart card and a machine point interface sale 106, where the reserved product can be delivered. The pre-saved on the card chip is then downloaded from the chip card 100 to the interface machine from the point of sale 106, then from the latter to the product supplier 104, which associates then the product purchased to the transaction code. The product provider 104 then downloads the product data reserved to the POS machine 106, and the product is delivered to the customer so appropriate, either manually or automatically. Then the communication between microchip 100 and the POS interface machine is broken.
It is possible, depending on the product supplier's policy, to pay for the product only at the time of delivery, rather than at the time of reservation, or at all other time deemed appropriate by the product supplier, either during the phase reservation product, or during the delivery phase of the product, or upon return of the product (for example if it is a rental).

In addition, it is also possible that the first interface machine 102 either the same as the POS interface machine 106.
For example, this method of purchasing a delayed product can be applied to the purchase of an airline ticket. The steps followed in this example are the following:
(a) the customer establishes the communication between his smart card and a counter automatic (which is the first interface machine);
(b) the customer chooses the desired airline ticket at the ATM;
(c) the data associated with the purchased product is downloaded from the counter automatic to product supplier, where the ticket is reserved for the customer, and where a code transaction is associated with the plane ticket;
(d) the transaction code is downloaded from the airline terminal to the counter then from the ATM, on the smart card, where it is stored in memory;
(e) the customer's account is debited with the amount associated with the purchase of the ticket plane according to a known method;
(f) communication is broken between the ATM and the credit card chip;
(g) the day of his flight, the customer goes to the airport and puts his smart card in communication with the airplane ticket dispensing machine;
(h) the transaction code associated with the purchase of the airline ticket is downloaded smart card to the airplane ticket dispensing machine;
(i) the transaction code is then downloaded from the vending machine plane ticket to the airline terminal, which then combines the plane ticket reserved for this code transaction;
(j) the airline terminal then downloads the associated data to the reserved ticket by the customer, to the airplane ticket dispensing machine;
(k) the airplane ticket dispensing machine prints and delivers to the customer his plane ticket, or alternatively access to the plane is immediately granted to the client;
(I) the customer collects his smart card, breaking communication with the vending machine of plane tickets.
According to an embodiment of the present invention, personal data of the customer are pre-registered on his smart card, for later use during the purchase of the product in deferred as described above. This data may include his name, address coordinates, and his preferences. For example, in the example above, personal data of the customer can include name, address, seat positioning preferences in the plane, its food allergies if he has any, his preferences for tee times in the day, etc ...
So when the customer chooses a plane ticket, the ATM
can already having obtained personal data from the customer's smart card, such as so that only tickets corresponding to the customer's preferences are offered to him. The customer then select the desired product from the list of available products which correspond to its preferences pre-recorded. In addition, the client does not have to provide information regarding his coordinates personal data, which are also downloaded from the smart card to the interface machine, such as his address, etc ...
It is understood that the transaction code could be kept for a time indeterminate or determined on the smart card, for later access by means of the smart card at product from the product provider.
In general, the method of purchasing a deferred product includes the following steps, as shown in Figure 5:
(a) communication is established between the customer's smart card and a first machine interface (110);
(b) the customer selects the product he wishes to buy (112);
(c) the data associated with the selected product is downloaded from the first machine interface to the product provider terminal (114);
(d) the product supplier reserves the product selected by the customer (116);
(e) the product supplier associates a transaction code with the product reserved (118);
(f) the product provider's terminal downloads the transaction code to the first one interface machine (120);
(g) the first interface machine downloads the transaction code to the smart card, which stores it in memory (122);
(h) communication is broken between the smart card and the first machine interface (124);

(i) communication is established between the smart card and a machine point interface sale (126);
(j) the transaction code is downloaded from the smart card to the machine interface point of sale (128);
5 (k) the transaction code is downloaded from the point interface machine sales to product provider terminal (130);
(I) the product supplier associates the reserved product with the transaction (132);
(m) the terminal of the product supplier downloads the data associated with the reserved product to the point of sale interface machine (134);
10 (n) the reserved product is delivered to the customer from the point of sale (136);
(o) communication is broken between the point of sale interface machine and the card to client chip (138); and (p) the customer pays for the product using his smart card, either between steps (b) and (h) exclusively, or between stages (j) and (o) exclusively.
The method for the purchase of a delayed product can be accomplished by means of a portable transaction device (TPD) that includes a chip electronic, such as for example a smart card or electronic wallet, and includes the steps following:
a) establishing communication between the DPT and a first machine interface;
b) a DPU is downloaded from the first interface machine code of transaction associated with the product, the DPT recording in memory the transaction;
c) the communication between the first interface machine and the DPT;
d) establishing communication between the DPT and a second machine interface;
e) the code is downloaded to the second interface machine, from the DPT
transaction associated with the product; and we deliver the product associated with the transaction code.

C. TEMPORARY SYSTEM AND METHOD OF ACCESS TO A PRODUCT BY MEANS
FROM A CHIP CARD
According to another embodiment of the present invention, a smart card, which can also be used in accordance with the transaction method described above, who may or may not not be a DPPICT, and which may also be used or not in accordance with the purchase method of a delayed product described above, can be used as part of a system and a method of temporary access to a product using this smart card.
Figure 6 schematically illustrates the access system and method temporary to a product according to the present invention. There is a product supplier 200 which offers a certain number of 202 products for rent for a period of limited time. These products can be goods or services, for example vehicles for rent or accommodation for rent. All products are appropriately linked to a terminal 204 of product supplier, either permanently or on an ad hoc basis.
A user can have access to one or more products from the supplier of produced via a smart card 206. The smart card 206 can be for example a debit chip card, credit chip card, or wallet electronic. A customer can establish communication between his chip card 206 and an interface machine 208 appropriate, from known way. Via this interface machine 208, the customer can obtain terminal 204 of product supplier 200, the list of available products 202, and select one or more products 202a among the products available 202.
Once a product 202a has been selected, the product supplier reserves the product 202a for a specified period of time, in accordance with the request of the customer. A code access is then downloaded from the terminal 204 of the product supplier 200, to the machine interface 208, then to smart card 206, where the access code is stored in the memory of microchip. At the same time, instructions regarding the instructions access to the product 202a selected by the customer are downloaded from the supplier's terminal product 204 to an interface machine 210a associated with the product 202a selected by the customer. The link between the smart card 206 and the interface machine 208 can then be broken.

When the customer wishes to take possession of the selected product 202a for the period of time to which he is entitled to the product 202a, he establishes 1a communication in a known way between his smart card 206 and the interface machine 210a associated with the product 202a. The machine 210a interface then downloads from the chip card 206 the access code which has been registered, and check that this code and the rental conditions for product 202a, correspond well to instructions received from terminal 204. If yes, access to the product 202a is granted, via an access device 212a associated with the product 202a. If not, access to product 202a is refuse. Thus, a customer could have access to the product 202a of the supplier product 200, without however have access to other non-reserved products 2026 since the access conditions which would be verified by 2106 interface machines of non-reserved products 2026, would not not encountered. The access device 2126 would then not allow access to the product 2026 to which the customer cannot have access according to the rental conditions he has established with the product supplier 200.
Access devices 212a, 2126, generally affixed with the number of reference 212, can be an electrically controlled lock, or any other device allowing selective customer access to the product, provided that access conditions be encountered when the customer's smart card is put in communication with machines interface 210 associated with products 202.
According to an embodiment of the present invention, the instructions concerning the access conditions to product 202a selected by the customer, are not downloaded from the terminal 204 to the interface machine 210a associated with the product 202a, but rather kept in memory on the terminal of the product supplier. When the 206 smart card is set communication with the interface machine 210a associated with the product 202a by the client who wishes have access to product 202a, the interface machine then communicates with the terminal 204, and downloads the smart card access code to route it to the terminal 204. The terminal 204 then associates the access code with the conditions of access to the product, and if the conditions are encountered, then an access right message is downloaded from terminal 204 to the machine interface 210a, which then controls the access device 212a to allow access to the product 202a.

A concrete, albeit not exclusive, example of the key system and method access by smart card according to the present invention, will now be Explain.
A client wishes to rent a hotel room for two nights. Using his card at chip, he inserts it into an ATM that comes into contact with the hotel terminal where it want a room. He chooses his room, according to his preferences (which may be pre-saved as personal data in the memory of the card puce), and reserves the room for the two nights he wants. Hotel terminal downloads on the card a code access, and keeps in memory the access instructions associated with this code access. In the case which concerns us, the access instructions are to let enter the access code holder in the appropriate room during the period during which this room is leased. More specifically, allow the access code holder to enter the room appropriate means that the electronic door lock leading to the reserved room must can be unlocked during the client's two-day room rental period, when a card with the appropriate access code, is put in communication with the interface machine controlling the lock mentioned above.
The link between the ATM and the smart card can then be broken.
When the customer arrives at the hotel for his stay, he can thus have access to inside the hotel, and inside his room, thanks to the access code which is recorded on its card, and this during the period of time during which the hotel room has been rented. More specifically, the customer establishes communication between his smart card and the interface machine controlling the lock at his reserved hotel room. Then the machine download code access the customer’s smart card, and routes it to the the hotel. The terminal compares then the conditions of access with the downloaded code. More specificly, this comparison is accomplished as follows: the access code allows to recover the data associated with the rental of the room, namely during which period is access to the room granted, and from what room is it precisely. Thus, the hotel terminal checks that the room is well that that has been reserved, and that the time when access is requested in this room falls well to within the period when the room is reserved. If all the conditions are encountered, then the terminal downloads to the interface machine of the rented room a right message access, which will result in the room interface machine rented will order the door lock to unlock it. The customer will have access to his room reserved for using his smart card.
Payment for rental of products 202 can be made at any time, depending on the product supplier payment policy. So we can consider that the payment is initially when product 202a is reserved, via the machine interface 208 external to product supplier. Alternatively, payment can be made once product rental 202a completed, or in real time if the associated interface machine 210a to product 202a is continuously in contact with the smart card 206.
The method of temporarily accessing a product from a product supplier and accessible via an access device, by a customer holding a credit card chip, can be defined according to the following steps, as illustrated in Figure 7:
a) communication is established between the customer's smart card and a first machine interface (250);
b) communication is established between the first interface machine and a terminal of product supplier (252);
c) the customer selects the desired product and access conditions temporary at this produced on the first interface machine (254);
d) data associated with the product and temporary access conditions selected are downloaded from the first interface machine to the terminal of the product supplier (255);
e) the product is indicated reserved on the terminal of the product supplier (256);
fj the terminal of the product supplier stores the conditions in memory access temporary associated with the reserved product and associate an access code (258) with them;
g) the terminal of the product supplier downloads to the first machine interface the product access code (260);
h) the first interface machine downloads the product access code to microchip, which stores it in memory (262);
i) the communication between the smart card and the first interface machine is broken (264);

j) communication is established between the smart card and a second machine interface associated with the reserved product (266);
k) the product access code is downloaded from the smart card to the second machine interface (268);
5 1) the second interface machine downloads to the supplier's terminal of product on transaction code (270);
m) the product supplier verifies that the temporary access conditions are encountered, and if so uploads a message to the second interface machine access (272);
n) the second interface machine controls the access device so that it allow access 10 from customer to product (274); and m) the customer pays for the temporary access to the product using his credit card chip either between stages (c) and (i) exclusively, or after stage (j).
The conditions of access to the product can be of several types, but 15 always imply that the access code must be located on the card chip to allow access to the product. Examples of access conditions may be limited access in time, either at a particular time interval, or a time of total availability of the product; or access limited by the use of the product, for example a car to which access is allowed for a certain number of kilometers. We can also consider conditions which depend 20 of the availability of credit on the smart card. All other conditions acceptable access temporary to a product can also be considered.
Regarding the selection of the product in step (c), it is envisaged whether accomplished from a list of products already on the first interface machine, or 25 alternatively that the product list is downloaded beforehand on the first machine interface from the product provider terminal. The customer must also choose the conditions of temporary access to the product he wishes to obtain. He is heard that these conditions temporary access may be subject to restrictions depending on policy from the supplier of product, and the customer can therefore choose the access conditions temporary according to freedom 30 offered by the product supplier in this choice.

In a more summary way, we can summarize in the following way the method access temporary to a product from a product supplier and accessible via a access device, by a customer holding a smart card, as illustrated in figure 8:
a) communication is established between the customer's smart card and a first machine interface likely to communicate with the product terminal of the product supplier (280);
b) the customer selects the desired product as well as the access conditions temporary at this product on the terminal of the product supplier (282);
c) the product is reserved on the terminal of the product supplier (284);
d) the terminal of the product supplier stores an access code in memory associated with reserved product and the temporary access conditions associated with the product reserved (286);
e) the terminal of the product supplier downloads the access code associated with the product on the smart card, which stores it in memory (288);
f) communication between the smart card and the first interface machine is broken (290);
g) communication is established between the smart card and a second machine interface associated with the reserved product and likely to communicate with the terminal of product of product supplier (292);
h) the product access code is downloaded from the smart card to the supplier terminal product (294);
i) the product supplier verifies that the temporary access conditions associated with the code are encountered, and if so uploads to the second interface machine one access message (296);
j) on receipt of the access message, the second interface machine commands the device access so that the customer can access the product (298); and k) the customer pays for the temporary access to the product either between steps (b) and F) exclusively, or after step (g).
More generally, this method of temporary access to a product and accessible via an access device, by a customer holding a credit card chip, can be defined according to the following steps:

a) the customer reserves the product and chooses temporary access conditions by means of said smart card via a first interface machine;
b) an access code associated with said reserved product and said conditions temporary access is downloaded to said smart card, which stores it in memory;
c) said product access code is downloaded from said smart card to a second interface machine capable of controlling said access device;
d) said second interface machine verifies that said access conditions temporary associated with said access code are encountered, and if so order said device access so that it allows customer access to said product; and e) the customer pays for temporary access to said product after step (a) at way of said Smartcard.
Note that in the various embodiments of the present invention, it is envisaged that the DPPICT, the DPT or the smart card keeps in memory all the transactions that are performed.

Claims (16)

1. Method for obtaining a product by means of a DPT, comprising the following steps:
a) a transaction code associated with the product is received on the DPT, the DPT
recording in store transaction code; and b) downloading from the DPT to an interface machine said code of transaction, so to get the product. 2. Method according to claim 1, characterized in that the reception on the DPT of the transaction code in step (a) is done by downloading the code transaction on the TPD. 3. Transaction method according to claim 1, characterized in that said transaction code is used as a temporary access code to the product, said DPT provided with this temporary access code then acting as an access key. 4. Method for the purchase of a product on a deferred basis by means of a device portable transaction device (DPT) which includes an electronic chip, comprising the following steps:
a) communication is established between said DPT and a first machine interface;
b) downloading to said DPT, from said first machine interface, a code of transaction associated with said product, said DPT recording in memory said transaction code;
c) the communication between said first interface machine and said DPT;
d) communication is established between said DPT and a second machine interface;
e) downloading to said second interface machine, from said DPT, said code of transaction associated with said product to obtain said product. 5. Method for the purchase of a product on a deferred basis by a customer holding a smart card, from a product supplier having a terminal, comprising the following steps:
(a) communication is established between said customer's smart card and a first machine interface;
(b) the customer selects the product he wishes to purchase on said machine interface;

(c) the data associated with the product is downloaded from said first interface machine to said terminal of the product supplier;
(d) the Product Provider reserves the Product selected by the Customer;
(e) the product provider associates a transaction code with the product Reserve;
(f) the product provider's terminal downloads said transaction code at said first interface machine;
(g) said first interface machine downloads said transaction code to said card to chip, which saves it in memory;
(h) communication is broken between said smart card and said first machine interface;
(i) communication is established between said smart card and a machine point interface sales;
(j) said transaction code is downloaded from the smart card to the interface machine point of sale;
(k) said transaction code is downloaded from the interface machine of the point of sale to product provider terminal;
(l) the product supplier associates the reserved product with said code of transaction;
(m) the product provider uploads the data associated with said product reserved to said point of sale interface machine;
(n) said reserved product is delivered to the customer from said point of sale;
(o) communication is broken between said point-of-point interface machine sale and said customer's smart card; and (p) the customer pays for the product using said chip card, either between steps (b) and (h) exclusively, or between steps (j) and (o) exclusively. 6. Method according to claim 5, further comprising the following step, between steps (a) and (b):
(a1) said interface machine downloads from said terminal the product supplier list of available products. 7. Method according to claim 4, characterized in that said first interface machine and said point-of-sale interface machine are a one and the same interface machine. 8. Method according to claim 4, characterized in that said first interface machine and said point-of-sale interface machine are physically located at different places. 9. Method according to claim 5, characterized in that said card to chip is provided with pre-recorded personal data associated with the customer, said method additionally comprising the following steps, between steps (a) and (b):
(a1) said personal data pre-recorded on said smart card are downloaded to said first interface machine;
(a2) said personal data is downloaded from said first interface machine to said terminal of the product supplier; and (a3) said product provider terminal provides said machine interface a list of products based on the customer's personal data uploaded to said end of the product supplier;
and in that, in said step (b), the customer selects the product that he wishes to buy from said list of products provided by said terminal of the product supplier. 10. System for the purchase of a deferred product by means of a DPPICT, including:
a) means for establishing communication between said DPPICT and a first machine interface;
b) means for downloading to said DPPICT, from said first machine interface, a transaction code associated with said product, said DPPICT
recording in memory said transaction code;
c) means for interrupting the communication between said first machine interface and said DPPICT
d) means for establishing communication between said DPPICT and a second machine interface;

e) means for downloading to said second interface machine, from from said DPPICT, said transaction code associated with said product; and f) means for delivering said product associated with said transaction code. 11. Method of temporary access to a product accessible via a device access, by means of a smart card, comprising the following steps:

a) reserve the product and choose temporary access conditions to the produced by means of said smart card via a first interface machine;

b) an access code associated with said reserved product and with said Access conditions temporary on said smart card, which stores it in memory;

c) said access code is downloaded from said smart card to a second machine interface capable of controlling said access device;

d) checking by means of said second interface machine that said Access conditions temporary associated with said access code are encountered, and in if so, we order said access device to allow access to said product; and e) you pay for temporary access to said product at any time after step (a) at means of said smart card. 12. Method of temporary access to a product from a product supplier and accessible via an access device, by a customer holding a card chip, including the following steps:

a) communication is established between said customer's smart card and a first machine interface capable of communicating with a terminal of the provider of product;

b) the customer selects the desired product as well as the access conditions temporary at this product on said terminal of the product provider via said first interface machine;

c) said product is reserved on said terminal of the product provider;

d) said terminal of the product supplier stores in memory a code associated access said reserved product and said associated temporary access conditions said reserved product;

e) said product provider terminal downloads said access code associated with said product on said smart card, which saves it in memory, via said first interface machine;

f) the communication between said smart card and said first machine interface is broken;

g) communication is established between said smart card and a second interface machine associated with said reserved product, said second interface machine being susceptible to communicate with said terminal of the product supplier and being capable to order said access device;

h) said product access code is downloaded from said smart card to said terminal of product supplier, via said second interface machine;

i) said product provider verifies that said conditions of access associated temporary said access code are met, and if so downloads to said second machine interface an access message;

j) upon receipt of said access message, said second interface machine order said access device to allow customer access to said product; and k) Customer pays for temporary access to said Product either between steps (b) and (f) exclusively, or after step (g), by means of said smart card. 13. Method according to claim 12, characterized in that said temporary access conditions to said product include limited access in the time. 14. Method according to claim 12, additionally comprising the step between steps (b) and (c):

(b1) the product supplier's list of available products is downloaded from terminal product to said first interface machine. 15. Method according to claim 14, characterized in that step (b1) additionally includes a download of access conditions restrictions temporary associated said product from said terminal of the product supplier to said first interface machine, and in that the selection of said temporary access conditions in step (c) is made taking into account of the said restrictions to the conditions of temporary access. 16. System for temporary access to a product accessible via a device access, by means of a smart card, comprising:

a) means for reserving the product and choosing access conditions temporary at produced by means of said smart card via a first interface machine;

b) means for downloading an access code associated with said reserved product and to said temporary access conditions on said smart card, which stores it in memory;

c) means for downloading said access code from said smart card to a second interface machine capable of controlling said access device;

d) means for verifying by means of said second interface machine that said temporary access conditions associated with said access code are met, and means for that in the affirmative, said access device is controlled so that it allow (access audit product; and e) means to pay for temporary access to said product at a time any after step (a) by means of said smart card.