METHOD, ACCORDING TO WHICH A CUSTOMER ACCESSES MONETARY-VALUE DATA FROM A CHARGING POINT

• US 20040111380A2
• Filed: 11/26/2002
• Published: 06/10/2004
• Est. Priority Date: 04/27/2000
• Status: Abandoned Application

• Current Assignee: Bernd Meyer, Jurgen Lang
• Original Assignee: Bernd Meyer, Jurgen Lang
• Inventors: Meyer, Bernd, Lang, Jurgen
• Application Number:
  US10/258,226
• Publication Number:
  US 20030135473A1
• Time in Patent Office: Days
• US Class Current: 705/77
• CPC Class Codes: G06Q 20/06 Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
• CPC Class Codes: G06Q 20/085 involving remote charge determination or related payment systems
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3825 Use of electronic signatures
• CPC Class Codes: G06Q 20/3827 Use of message hashing

Abstract

Abstract of the Disclosure

The invention is characterized in that a random number (X) and a payment identification number (PID) which contain information about the customer are generated in the charging point.

Claims

1. A method according to which a customer accesses monetary-value data from a loading station whereby a random number (X) and a payment identification number (PID) containing data about the customer are generated in the loading station, whereby a customer system generates a character string with crypto-information, whereby a seller receives the character string as a monetary-value amount for a payment, whereby the seller submits the character string to an e-Commerce Center for purposes of verification of its validity and for effectuating a payment, whereby the Commerce Center for purpose of verification of its validity and fore effectuating a payment, whereby the Commerce Center decrypts the character string, characterized in that the e-Commerce Center generates a hash value from the random number decrypted from the character string and from the payment identification number (PID).

2. The method according to claim 1, characterized in that, in the loading station, the random number (X) and the payment identification number (PID) are combined to form a cryptographic unit in such a way that only an external e-Commerce Center is capable of decrypting the random number (X)and the payment identification number (PID).

3. The method according to Claim 2, wherein the random number (X), the payment identification number (PID) and the crypto-graphic unit are stored temporarily in a crypto-module.

4. The method according to Claim 3, wherein the customer enters information into the crypto-module during a purchase transaction.

5. The method according to Claim 3, wherein the crypto-module generates the hash value.

6. The method according to Claim 5, wherein the hash value is formed with the inclusion of data of the purchase transaction, of the random number (X) and of the payment identification number (PID).

7. The method according to Claim 2, wherein the character string contains the purchase transaction data in plain text, the cryptographic unit and the hash value.

8. The method according to Claim 3, wherein the crypto-module digitally signs the character string and stores said character string in a journal file.

9. The method according to Claim 1, wherein the character string is transmitted directly to the e-Commerce Center.

10. The method according to Claim 1, wherein the character string is encrypted in such a way that only the e-Commerce Center can decrypt the character string.

11. The method according to Claim 1, wherein the e-Commerce Center, by comparing the hash value that the e-Commerce Center has generated with the hash value contained in the character string, ascertains whether a crypto-module suitable for payment was indeed used to produce the character string.

12. The method according to Claim 1, wherein the e-Commerce Center sends the seller a receipt.

13. The method according to Claim 1, wherein the e-Commerce Center makes a payment to the seller.

14. The method according to Claim 1, wherein payment made to the seller is compared a value that was available to the customer for production of the character string with crypto-information.

15. The method according to Claim 1, wherein the customer receives values that the customer can use for production of character strings with crypto-information.

16. The method according to claim 15, wherein the customer receives the values after an authentication.

17. The method according to Claim 15, wherein the customer pays the monetary sums for the values before the character string with crypto-information is created.

18. The method according to Claim 15, wherein the customer pays the monetary sums for the values after the character string with crypto-information is created.

19. A method for providing customer accesses to monetary-value data from a loading station, comprising:

generating a random number (X) and a payment identification number (PID) configured to contain data about the customer in the loading station;

generating a character string with crypto-information in a customer system;

receiving the character string as a monetary-value amount for a payment by a seller;

submitting the character string to an e-Commerce Center by the seller; and

verifying validity of the character string by the e-Commerce Center to effect a payment,

20. The method according to claim 19, wherein, in the loading station, the random number (X) and the payment identification number (PID) are combined to form a cryptographic unit that only an external e-Commerce Center is capable of decrypting the random number (X)and the payment identification number (PID).

21. The method according to claim 20, wherein verifying validity further comprises decrypting the character string;

and

generating a hash value from the random number decrypted from the character string; and

from the payment identification number (PID).

22. A system for providing customer accesses to monetary-value data, comprising:

a loading station configured to receive purchase transaction data and transmit encrypted

data about a customer;

a customer system configured to store, create and forward monetary-value data from the data received from the loading station; and

an e-Commerce Center configured receive and validate the monetary-value data forwarded from the customer system.

23. An apparatus for creating a PayMark, comprising:

a loading station configured to receive purchase transaction data and transmit encrypted data about the customer;

a crypto-module configured to provide temporary storage and to generate a hash value for the PayMark; and

a customer system configured to forward the PayMark to an e-Commerce Center.

24. The apparatus of claim 23, wherein the loading station is configured to receive purchase transaction data comprising at least one of goods, price and seller data.

25. The apparatus of claim 23, wherein the encrypted data is at least one of symmetrically encrypted data and asymmetrically encrypted data.

26. The apparatus of claim 23, wherein the loading station is configured to form a cryptostring by symmetrically encrypting a random number and a payment identification number (PID).

27. The apparatus of claim 23, wherein the crypto-module is configured to provide a journal of the PayMark with a digital signature.

28. The apparatus of claim 23, wherein the crypto-module is configured to generate the hash value from at least one of purchase transaction data, a random number and a payment identification number (PID).

29. The apparatus of claim 23, wherein the customer system is configured to transmit a PayMark comprising at least one of purchase transaction data, a cryptostring and the hash value.

30. An apparatus for an e-Commerce Center, comprising:

means for decryption configured to validate a cryptostring;

means for determining hash values from purchase data and a decrypted cryptostring;

means for comparing hash values;

means for generating a receipt; and

means for paying a seller.