Process and device for internet payments by means of security modules

US6845367B2 · kind B2 · utility

Assignee

• International Business Machines Corporation · US

Inventors

• Peter Bendel · Holzgerlingen, DE
• Horst Henn · Eppelheim, DE
• Thomas Schaeck · Eppelheim, DE
• Roland Weber · Munich, DE

Key dates

• Filing date: Dec 21, 2000
• Grant date: Jan 18, 2005
• Expiry date: Nov 5, 2022

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/40
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

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.