Process and device for electronic processing of cashless payments by means of security modules

• Main Authors: WEBER, RONALD, SCHAECK, THOMAS, HENN, HORST
• Format: Patent
• Language: English; French; German
• Published: 28.02.2001
• Edition: 7
• Subjects: CALCULATING; CHECKING-DEVICES; COIN-FREED OR LIKE APPARATUS; COMPUTING; COUNTING; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES; PHYSICS; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR

A device and a process for the performance of cashless payments between customer and dealer via a contact bank. An on-line process between customer and dealer to define the payment method, check the availability frame, issue a voucher to describe the transaction, issue a payment instruction, signature of the issued voucher by the dealer and signature of the payment instruction by the dealer and the customer, where the bank is connected off-line, and a subsequent on-line process between dealer and bank to transfer the signed payment instruction and signed voucher, check the dealer and customer signature, check the allocation between payment instruction and voucher, replace the dealer and customer identity data with information for performance of the payment instruction, performance of the payment instruction and storage of vouchers. No sensitive customer data such as account number, credit card number etc. is stored on the customer card and hence misuse by unauthorised persons is excluded. The process serves to define the payment methods required by the customer for mechanical processing and to minimise the risk to the customer on loss of the customer card, it also allows customers who do not have a bank account, such as children for example, to have access to an electronic payment means with limited availability frame. The customer card can be designed as a card with contacts or a contactless card.