International Business Machines Corporation

Horst Henn

Thomas Schaeck

Roland Weber

Uwe Karl Hansmann

Thomas Stober

Lothar Merk

Peter Bendel

Dirk Herrendoerfer

A method, system and program for payment in a purchasing action performed by means of a cellular standard communication between a customer using said cellular standard communication device and a provider offering goods and/or services, wherein the communication between said customer and said provider is performed via a voice channel of said communication device and transmissions of an electronic bill from said provider to said customer, of a money transfer order from said customer to a payment provider and of a receipt of payment from said payment provider to said customer are performed via a service channel of the cellular standard network.

Method of payment by means of an electronic communication device

A method and apparatus for the user-defining, configuring and starting of an application or software components to form an application by means of a token and in particular a chip card. Via the service identifiers stored in the chip card which represent applications or software components to form applications, the chip card user can install the desired application. The card agent accepts the request for an application, checks the register to see if the application is present and if it is not, makes a connection to communicate with the server in order to download the application to the user system.

Method and apparatus for the user-defined loading and running of applications by means of a token

The present invention relates to a client-server system having a security system for controlling access to application functions. The security system separated from the clients and the application functions routes all incoming requests created by various PVC-devices to a centralized security system providing an authentication component and a security component. The authentication component provides several authentication mechanisms which may be selected by information contained in the client's request. The authentication mechanism may be changed or extended without changing conditions on the client as well on the server or application side. The security component provides a security policy describing security requirements for accessing application functions which may be invoked by the security component. If the selected authentication mechanism succeeds and fulfills the security policy associated to that application function then the application function will be invoked by the security component.

Method and system for secure pervasive access

The present invention describes a device and a method for performing cashless payments between a customer and a dealer. The advantages of the present invention lie in that payments can be performed over the Internet without implementing special payments commands stored in the customer chip card. It is sufficient to use a normal chipcard with a file structure. Such a file structure can be used in different file system cards and does not depend on the chipcard's operating system. Therefore, the inventive method can be used in a variety of chipcards without implementing special payments commands. The protocol is designed such that per payment only three steps of communication are required.

Process and device for internet payments by means of security modules

A computer program product and programmed method for performing cashless payments between a customer and a dealer via a bank. The invention is embodied in an on-line computerized 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. In another embodiment, the information is gathered and the voucher and payment instructions are generated off-line. A subsequent on-line process between the dealer and bank transfer the signed payment instruction and signed voucher to the bank where computer coded checks the dealer and customer signature, checks the allocation between payment instruction and voucher, replaces the dealer and customer identity data with information for performance of the payment instruction, and performs the payment instruction and stores the voucher. An advantage of the process is that no sensitive customer data such as account number, credit card number etc. is stored on the customer card and hence misuse by unauthorized persons is minimized. In addition the process serves to define the payment methods required by the customer for mechanical processing and to minimize the risk to the customer upon loss of the customer card. The process 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 either a card with contacts or a contactless card.

Method, apparatus and computer program product for processing cashless payments

A transaction audit system is disclosed comprising a chip card, for completing a transaction between the holder of the chip card and a transaction partner such as a merchant. During the transaction, a transaction identifier is generated uniquely identifying the transaction. For completing execution of the transaction by posting of the payment amount to the merchants account, the chip card transmits a transaction receiver data record comprising the transaction identifier, and further data, if required, to a third party. To allow auditing the transaction settlement posting accuracy, the transaction provider also transmits a transaction provider data record comprising the corresponding transaction identifier to the third party. The third party is then able compare the receiver data record and the provider data record and identify possible irregularities, such as possible errors or manipulations in the transaction system, or intentional or non-intentional manipulation by the participants to the transaction, particularly the transaction receiver. The transaction identifier identifies both the transaction receiver data record and the transaction provider data record as being data records belonging to the same transaction.

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Boeblingen, Germany

Horst Henn