Method for Processing a Cashless Payment Transaction

• US 20070226151A1
• Filed: 10/12/2004
• Published: 09/27/2007
• Est. Priority Date: 10/15/2003
• Status: Abandoned Application

• Current Assignee: Giesecke + Devrient Mobile Security GmBH (Giesecke & Devrient GmbH)
• Original Assignee: Giesecke & Devrient GmbH
• Inventors: Baldischweiler, Michael, Finkenzeller, Klaus
• Application Number:
  US10/575,964
• Publication Number:
  US 20070226151A1
• Time in Patent Office: Days
• US Class Current: 705/61
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/346 Cards serving only as information carrier of service
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

Proposed is a method for processing a cashless payment transaction between an owner of a personal electronic means of payment (1, 12) and a payee. The special feature of the inventive method is that at a first time (t1) a data record is transmitted from the owner'"'"'s personal electronic means of payment (1, 12), directly or by means of a personal device (8) of the owner, to an electronic intermediate carrier (2) which is formed as a physically separate unit with regard to the owner'"'"'s personal electronic means of payment (1, 12), and at a second time (t2) which is later than the first time (t1) the data record or data derived therefrom are transmitted from the electronic intermediate carrier (2) to the payee.

Claims

1. A method for cashless processing of a transaction for paying for a service between an owner of a personal electronic means of payment and a payee, comprising the steps:

transmitting at a first time (t1) a data record assigned to the service from the owner'"'"'s personal electronic means of payment, directly or by means of a personal device of the owner, to an electronic intermediate carrier which is formed as a transferable unit physically separate from the owner'"'"'s personal electronic means of payment, and

at a second time (t2) which is later than the first time (t1), checking the data record or data derived therefrom by a receiving device of the payee as to whether the service was rendered correctly.

2. The method according to claim 1, including the step:

transmitting the data record or data derived therefrom from the electronic intermediate carrier to the payee.

3. The method according to claim 1, including the step of securing the data record cryptographically.

4. The method according to claim 1, wherein any of the the data record depends on at least one of individual data of the electronic intermediate carrier and a consecutive character string.

5. The method according to claim 1, including encrypting the data record by means of a public key of the payee.

6. The method according to claim 1, wherein the data record depends on personal data of the owner of the personal electronic means of payment.

7. The method according to claim 1, wherein the data record represents at least one amount of money or at least one unit of value.

8. The method according to claim 1, including the step of deleting or invalidating the data record at the second time (t2) completely or with regard to the data derived therefrom in the electronic intermediate carrier.

9. The method according to claim 1, wherein the electronic intermediate carrier is not in the possession of the owner of the personal electronic means of payment at the second time (t2).

10. The method according to claim 1, wherein the data transmission is effected contactlessly at least one of the first time (t1) and at the second time (t2).

11. The method according to claim 1, including the step of using the cashless payment transaction is used for paying postage for mail.

12. The method according to claim 11, wherein the intermediate carrier is fastened detachably to mail.

13. The method according to claim 11, wherein information on at least one of the time and place of the delivery of the mail is stored in the electronic intermediate carrier.

14. The method according to claim 1, including visualizing that information in connection with the data record on the intermediate carrier.

15. The method according to claim 1, including fastening the intermediate carrier detachably to an object.

16. The method according to claim 1, including transmitting the functionality required for transmitting a data record from the personal means of payment or a personal device to the intermediate carrier from the intermediate carrier to the personal means of payment or the personal device.

17. A system for cashless processing of a transaction for paying for a service, comprising a personal electronic means of payment of an owner, an impersonal electronic intermediate carrier arranged to be physically separate from the personal electronic means of payment, and a receiving device of a payee, wherein the personal electronic means of payment is arranged to transmit a data record assigned to the service directly to the electronic intermediate carrier, or a personal device of the owner is provided for transmitting the data record from the personal electronic means of payment to the electronic intermediate carrier, and the receiving device is arranged to check the data record as to whether it renders the service correctly.

18. The system according to claim 17, wherein the electronic intermediate carrier is formed as a transponder.

19. The system according to claim 17, wherein the electronic intermediate carrier is set up for repeated transmission of data records.

20. The system according to claim 17, wherein in that the functionality required for transmitting a data record from the personal means of payment or a personal device to the intermediate carrier is stored as an application on the electronic intermediate carrier.

21. The system according to claim 17, wherein the electronic intermediate carrier has a display device for visualizing information in connection with a data record.

22. The system according to claim 17, wherein the personal device is an intelligent device having a reading device for near field communication with a transponder.

23. The system according to claim 17, wherein the intelligent device is a mobile telephone.

24. The system according to one of claim 17, wherein the personal electronic means of payment is formed as a chip card, or as a security module of a mobile telephone.

25. The system according to claim 17, wherein the receiving device has a checking device as well as at least one additional component which provides reference information for checking a data record.