DE4027735A1 - METHOD AND DEVICE FOR SECURE REMOTE DATA TRANSMISSION - Google Patents

Abstract

The invention relates to a process and device for secure remote data transmission, preferably for cashless payment transactions, in which an information substrate is provided via a read/write unit with recallable information in addition to fixed storage recognition authorising the user so that the information substrate is suitable for data transmission or payment transactions and is protected against misuse by bearing an individual code and in that the information substrate responds via remote data transmission systems to at least one other information substrate or at least one read/write unit or can be contacted and read out by a read/write unit via its interface, whereby for money transfer an additional code secures the process and the bank-to-bank booking process and in all makes bank errors virtually impossible in money transfers, while in pure on-line operation fully preventing fraudulent operations by "uncovered" information substrates, nowadays the equivalent of uncovered cheques. Furthermore, timers of preferably portable read/write units make possible the limited-time storage of programmed PINs for the authorisation of received information substrates.

Description

The invention relates to a method and device for secure remote data transmission with a focus on cashless money transactions.

Long-distance data transmission networks are known, e.g. B. the normal telephone line, Telex, Datex, ISDN and the like. The task of these networks is: Communication in simplex, half-duplex or duplex. So z. B. lately especially the fax system to yourself, with whom over the telephone line texts or graphic representations of the corresponding broadcast / Receiving devices are transmitted.

From these points of view it is obvious that also Information is available for remote transmission that subject to some degree of confidentiality, or the standardized for a wide range of applications are communicable.

One way to store confidential information offer chip cards with a memory content of at least a so-called PIN number (personal identification number) becomes accessible.

Such microprocessor or semiconductor chip cards have been around since longer in circulation and z. B. at Telecom procedure of the Deutsche Bundespost and others Application areas. Against that is access to ATMs currently still have a magnetic stripe card realized, for authentication on an input device the secret number (PIN number) of the account holder and thus of the cardholder must be entered.  

The security factors that can be used to prevent the Abuse, however, is in the prior art limited.

With the help of a microprocessor or semiconductor chip card or a similar information carrier opens up the possibility of discreet information by phone or over digitally operating long-distance transmission networks to the corresponding recipient to send and / or in half or to communicate with them in duplex.

The present invention is therefore based on the object Method and device to create such enables discrete information transmission and in special case can be used for cashless money transactions is minimized, the security risk against abuse is. Other areas of application are, for example, hotel Room reservations, search reports and the like.

These tasks are performed by a procedure according to the Claim 1 solved, which are further process features connect according to claims 2 to 25.

The device for performing the method is according to Described claim 26, with being particularly preferred Design features of the device in the subclaims 27 to 37.

It is provided here that an information carrier by means of Read / write unit with information in addition to Fixed memory recognition is provided to the user legitimates that the information carrier for Data communication and / or recording or for  Payment transactions are suitable and protected against misuse, by using a calculable and constantly changing Individual code is occupied, and that the information carrier over long-distance data transmission networks with at least one further information carrier or at least one letter / Reading unit communicates or directly from a writing / Read unit contacted via its interface and is read.

Thus, it is possible that the information carrier z. B. via Telephone line with integrated information carrier, Read / write unit and modem its information Receiver passes and that the telephone network on A modem with a subordinate modem is also on the receiver side Read / write unit activated and the information on the compatible interfaces of the receiver write / Reading unit and the recipient information carrier on this dubbed.

The information content extends over payment transactions, Bookings, reservations, search reports etc., whereby prefers higher-level central data processing systems over long-distance transmission networks using special Information carriers are addressed.

The comparison on identity of the permanent memory PIN number, where at least the hard drive part of the Represents information carrier, with the read PIN Number releases this for use, which means that one of a random code generator Number or already coded number or the like with at least one further random number or the like is encoded or converted and where the  Information carrier a changed, d. H. e.g. B recalculated Coding with the information to be transmitted and that after forwarding the code this for the following use is encoded again.

A read / write unit is responsible for telephone communication the information carrier information to a modem, whereby on Another modem with at least one on the receiver side further read / write unit is coupled, which the Processed information or made it visible or on one other information carriers in whole or in part, transmits encrypted or unencrypted. The Sender information carrier is to protect against misuse preferably with additional coding, e.g. B. from with at least one random number generator number subsequent arithmetic coding using a read / write unit or the like provided, but also the coding for Read or use the information carrier of the writing / Reading unit can be entered and by the information carrier is communicable.

When paying via telephone line or the like is entered via a code number or a code transmission programmed cash balance from a resource account debited and on at least one read / write memory of the Information carrier stored, the access to the Read / write memory only with transmission of the current one Codes online to the bank is possible and that preferred a special account for each read / write memory with credit Bank is assigned so that only the The maximum amount of this account can be tapped.  

In payment transactions using information carriers, the Debiting process preferred online to the bank and that Remaining credit of the respective read / write memory is then with a new code from the bank updated.

The information carrier is about in payment transactions Program and its interface the online connection, preferably a one calculated by means of a read / write unit Transfer code and ultimately through at your own bank identical calculation steps are checked for legitimation.

After a specified number of uses of the Information carrier as a means of payment becomes offline calculated code before further use on-line by the corresponding bank with at least one new one Random generator code overwritten, where appropriate Read / write memory credit and thus the special account is increased.

It is preferably provided that at least one Read / write memory of an information carrier there stored credit in whole or in part with coding via Telephone line or the like another Information carrier or a read / write unit with Storage unit transferred and thus debited.

It is also provided that even when using the Information carrier as a means of payment off-line in front of you Use coding by converting the old code preferably by means of a read / write unit. Here can make cashless payments in online mode  working devices a pre-validation with time-limited Make random code identification of the information carrier, wherein over a network with intermediary Data processing system addressed off-line devices in this way be that when receiving the random code from the On line devices legitimize the purchase and prefer one from Information carrier debited credit until the final Buffer transfer from bank to bank. In particular in department stores or the like, this results in a high level of security and time savings for the customer Debiting process. Combined on-line / off-line devices are e.g. particularly useful at petrol stations.

Before using one of the information carriers The amount credited as a means of payment will be On line using the transmitted code of the related Bank credited to the recipient bank, with which the Actual debit of the special account of the drawn bank done, and in a subsequent step the transfer can be made to a special account, the own random generator coding and reading into the corresponding read / write memory of the information carrier. A This provides additional security against abuse achieved that before the actual transfer Recipient bank asks the withdrawing bank to make the Establish connection over the long distance transmission network and carry out the booking process after legitimation.

This is preferably done using an information carrier programming the transfer from the special account to the regular resource account.  

It is also provided that by means of a display or the like of the read / write units and / or printer Bank, the recipient bank, the debited credit, the Card number or the like visible and acknowledgeable is made.

When exchanging information of a different kind, the Whole or partial information content, unencrypted or made visible in encrypted form and, if necessary, a half or duplex communication using the read / write units enables.

This is usually the case with hotel reservations or the like may be required.

In this case, the information carrier preferably transfers its program, parts of its memory content and its Interface the online connection, with preference a code transmitted and legitimation at the recipient is checked.

Verification of legitimation using a PIN number Confirmation and coding of the information carrier will via a preferably portable read / write unit made, the online process of Information carrier with at least one random generator Code is / will be occupied.

If the card is lost, a higher-level PIN Number in data traffic or special account (s) Resource account posted back.  

The device for performing the method provides that an information carrier next to a microprocessor or Semiconductor chip via a BUS system with at least one Read-write memory is provided, with the Interface of the chip this for receiving Information and / or money bookings is appropriate, and that the chip can be programmed via read / write units and whose storage unit (s) can be changed, whereby Long-distance transmission networks such as the telephone network are used, their peripheral devices for information carrier recording suitable and equipped with a modem on the phone, while digital networks do without a modem and where special coding for cashless money transactions and a data processing system used for money transfer will. When using the information carrier in monetary transactions The telephones with modems are over the telephone network and read / write units, whose interface with the information carrier interface is compatible and the for exact information carrier recording and Information transfer can be used.

At the same time it is provided that this write / Readers as well as the portable devices with alpha numerical keyboard, display or the like equipped are and also have a printer and that the Microprocessor or semiconductor chip an arithmetic unit includes.

When using other transmission networks that are digital work, are the peripheral devices with write / Provide reading units and for information carrier recording suitable and with the information carrier interface compatible. In practice they are like those for the analog Operation equipped equipment.  

Since in a broader sense also cashless money transactions as Information transfer can be viewed, it is with the The present invention is therefore possible via a telephone line or other long-distance transmission networks, for example Cash balance from information carrier to information carrier transferred to.

In a specific case, in a preferred embodiment using a telephone connection to the addressed bank with the help a chip legitimized by confirming the PIN number Card and the code released with it a cash balance provided on the card, at least from the bank side a random generator code is returned that matches the old one Overwrites code and the amount provided is one Special account of the information carrier owner credited becomes.

This ensures that the amount of money transferred on the one hand, until it is finally used by the account owner remains and bears interest, on the other hand as security against Abuse only in connection with the random generator code or the code calculated from it can be debited.

Such a debiting process can be done online Direct and preferably time-limited PIN Number confirmation directly via a read / write unit success, with the remaining balance in Information carrier memory with overwriting of a new one Random number codes remain, on the other hand it is conceivable that amounts of money with the corresponding code on another information carrier be transferred, to protect against abuse  their use as a means of payment of the recipient transferred funds are credited to his own account must be, and previously by means of the dubbed code the actual booking process from the relevant bank to Recipient bank is carried out.

An increased level of security is achieved with the present Invention achieved in that the corresponding Storage units of the information carrier debited Cash balance from the bank side of at least one special account be credited, that in each case only over the transmitted code is accessible, which after completed The booking process is converted and thus recoded.

In the off-line process, it is necessary from the bank side the previously valid code until the debit for one to leave the defined period of time valid so that an on line procedure overwritten code nevertheless the previously made payment transaction not hindered. These This is made possible by the fact that the bank or the like about their data processing system and with Knowledge of the coding regulation by the user calculated and thus legalizing codes and lists. For clarity, however, it is advisable a new one via a code transferred online Create a legitimation list, d. H. the bank demands x Off-line bookings an online step.

The read / write units of the Peripherals are next to a power supply preferably with an alpha-numeric keyboard and a display or the like, an information carrier Recording and with at least one microprocessor Calculator and storage units provided, the  Interface compatible with that of the information carrier is. A necessary BUS system does not require any other Mention.

Read / write units for cashless payments are conceivable as off-line or on-line devices. Their combination via a network is particularly useful with a data processing system. Time savings for the customer and increased security for a commercial enterprise or The same results when z. B. a customer Purchase request in a department store its chip card online legitimized, preferably a random generator Time-limited number or the like from the on-line device is validly read on the chip card. During the online Query, the customer can make his choice, followed by His chip card off-line for cashless payments is debited, provided that the data processing system and the network stores its random number in the memory of the Off-line device is listed as proof of legitimation. A display and / or a printout make the booking process transparent for the customer. Of course, others are Hedging procedures on this or a similar basis conceivable.

The information carrier is preferably a microprocessor or semiconductor chip card formed in the Possibility of independent coding of read-in Random generator codes next to their own power supply with bus system a calculator and storage units, one Clock generator and a timer or the like for has limited legitimacy. Usually however, the coding is done using a separate write / Reading units in order not to oversize the chip and to simplify the chip card.  

Portable read / write units are basically with the same elements as those of the peripheral devices equipped, it should be emphasized that the comparable arithmetic units perform the same operation and wherein the portable read / write units are preferably used for time-limited legitimation of the information carrier the read PIN code with at least one timer and the associated function keys.

That a microprocessor or semiconductor chip as a logic Memory chip is assumed to be conceivable Description of items such as drivers or the like that are just as hardware-specific as accumulators as Computing memory is omitted in the following.

Using the attached drawings, the special Show embodiments of the invention, it will now explained in more detail.

Fig. 1 shows the method and apparatus underlying chip card 1,

Fig. 2, the corresponding portable read / write unit 2.

Fig. U 3. 4 show an exemplary embodiment of the invention in a schematic illustration with a chip card and portable read / write unit when transferring money to one's own chip card.

Fig. 5 shows an embodiment of the invention in a schematic representation, wherein the money transfer from card to card is described.

Fig. 6 shows the schematic structure in the communication between transmitter and receiver with the interposition of the respective banks.

Fig. 7 shows the schematic structure of a system for cashless payment transactions.

Fig. 1 shows the method underlying the invention an information carrier in the form of a smart card 1. The chip 17 is connected to the memories 22 to 31 by means of a data bus system 21 , all units being provided with a power supply 32 . The chip card 1 has an interface 33 for communication with the read / write units. In the memory 22 there is the PIN number, which is followed by the read / write memory 23 . The memories 24 and 25 are also designed as read / write memories, while the memory 26 is a read-only memory or programmable read-only memory. The memory 27 is designed as a read / write memory or read-only memory or programmable read-only memory and the memories 28 to 30 as a read / write memory. Memory 31 contains owner-specific data as a fixed memory.

Fig. 2 shows the portable read / write device 2. It has a chip 19 , a corresponding interface 40 and an arithmetic unit 41 , which are connected by means of a data bus system 42 to a display 43 , a timer 44 , a keyboard 16 with a special keypad 45 and are coupled to a power supply 46 .

It should be emphasized that the portable read / write unit 2 can be used as a computer by means of the keypad 16 and the special keypad 45 .

In the special keypad 45 there is a reference key 47 for the timer and a so-called "clear key" 48 . In addition to the functions "On", "Off" and the respective arithmetic operations, a confirmation or "Enter key" 49 is also provided. In addition, a "second func. Key" not described here can be arranged.

On the basis of the following embodiments according to FIG. 3 u. 4, the transfer of money to one's own chip card 1 will now be explained.

The chip card 1 is first programmed via the preferably portable read / write unit 2 by inserting the chip card 1 (arrow direction 51 ). For this purpose, the read / write device 2 has a card holder 15 . After entering the PIN number on the keyboard 16 of the read / write device 2, it is transferred to the read / write memory 23 and is checked for legitimation by means of the memory 22 in which the read-only memory PIN number is located. About the data bus 21 and the interfaces 33 and 40 from the memory 24 z. B. the random number 1 or the code I _n in the arithmetic unit 41 of the read / write device 2 . This is also done with one of the values "Code III" from memory 26 (read-only memory or programmable read-only memory). The coding is now carried out. For example, the random number is q or code I _n from the memory 24 with the code III ₂ multiplied.

The coding stands out as

Code I Code _n · ₂ = X III ₁

from.

X ₁ is reduced to e.g. B. 6 digits for code I _{n + 1} . This code I _{n + 1} is transferred to the memory 25 . As a result, the program command created via the keyboard 16 is released by reading it into the memory 28 . The instructed credit 1 remains unchanged in the memory 29 . Additional bank information can be entered into the memory 30 via the keypad 16 .

The memory 23 is cleared and the card is removed. The timer 44 is programmed and activated, for example, with the button 47 . As a result, the PIN number is held for a defined time.

The timer is emptied by means of the clear key 48 and, after the introduction of the chip card 1 into the read / write device 2, the memories 25 , 28 and 30 are emptied and the contents of the memory 25 are rewritten into the memory 24 .

After bank communication, e.g. B. the debit via the data processing system 14 a ', the memory content of the memory 25 is emptied and memory 24 is provided with a new bank code I, the credit 1 from memory 29 is increased to the credit 2 , the memory 30 is by the write / Reading unit 2 a emptied, while the memory 31, as a fixed memory, has owner-specific data which also control the process.

FIG. 5 shows an embodiment of the transfer of card to card.

The chip card 1 is in turn inserted into the portable read / write device 2 . By entering the PIN number in the read / write memory 23 , the authentication is carried out and via the data bus 21 and the interfaces 33/40 from memory 24 z. B. the code I _{n + 1} fetched in the arithmetic unit 41 . Code III is taken from memory 26 . The coding is carried out:

Code I _{n + 1} · Code III ₃ = X ₂ · X ₂

z. B. reduced to 6 digits and is shown as code I _{n + 2} .

Code In _{+ 2} is transferred to memory 25 . Then the random generator number 2 or the code IV _{m is transferred} to the arithmetic unit 41 .

By entering the recipient data using the keyboard 16 and transferring, for example, the booking amount, the account number and the bank code into the arithmetic unit 41 after programming and transferring it into the memory 28 , z. B. performing the coding:

(Code I _{n + 2} · Booking amount · Account number · Bank code) + ZGN ₂ (or Code IV) = X ₃ .

After reducing the product to e.g. B. 8 digits and a possibly necessary reduction to 8 digits of the total with 8-digit ZGN ₂ or Code IV results in Code II.

Code II is transferred to memory 28 .

After card communication, the memory content from memory 25 is overwritten in memory 24 , the credit from memory 29 is debited, and memories 28 and 30 are emptied.

If timer 44 is programmed and activated with key 47 , with which the PIN number is held for a defined time, card communication can take place at a later time.

After entering the transmitter chip card 1 into the read / write device 2 a and selecting the recipient, the chip card 1 is read in via its read / write device 2 a after being entered. As a result, the credit 2 is reduced by rebooking in accordance with the program command and memory 30 and memory 28 are emptied. The memory 27 for the code IV can be designed as a read-only memory or a programmable read-only memory, or is activated in an online step with its own bank as a read / write memory, the code IV being a random number m + 1 in the memory 27 is reread.

The recipient now selects his bank and dubs it Command to transfer the received credit to Resource account.

Now the callback request from the recipient bank to the Creditor bank. Dubbed after connecting the creditor bank issued the command: posting amount to account ......... Bank code ........., code II.

The debtor bank already has codes I (1 to p) calculated and listed, with a new list after each On-line step by transferring a new ZGN (Code I) is started. The old lists are after defined time deleted. The debtor bank encodes all of them existing codes I in all lists with the above recorded regulation and thus receives the list of Codes II. If the copied code II from The creditor with one of the calculated codes II takes place Transfer.  

The Fig. 6 again shows a schematic embodiment of the data transfer in addition to the inventive device with inclusion of the banks.

First of all, it should be noted that the method according to the invention and the associated device are subject to two possible variants, on the one hand the chip card 1 being designed in such a way that it carries out the arithmetic operations or on the other hand the required arithmetic operations are carried out by a read / write unit 2 .

If the chip card 1 itself carries out the arithmetic operations, then, in addition to the microprocessor 17, it preferably requires programmable read-only memories and further read / write memories, a power supply, a clock generator and possibly time-legitimating units, an interface and an arithmetic unit and bus system.

In addition to a power supply, the associated read / write unit 2 then requires the chip, read / write units, a keypad, a display or the like, a card holder and an interface and a BUS system.

In the second variant, in which the read / write unit 2 carries out the arithmetic operation, it additionally has an arithmetic unit and memory units, it being possible for at least the arithmetic unit to be dispensed with in the chip card.

The read / write units 2/2 a themselves are preferably connected to the telephone 1 or the like in stationary on-line operation, but can also be operated separately in a stationary manner and in this form are also suitable for off-line use, with an additional storage unit like diskette or the like takes over the time-shifted data transfer.

Portable read / write units 2 are mainly used for discrete PIN number confirmation and are suitable for legitimizing the information carrier for a defined period of time with a corresponding key, for which an integrated timer or the like is suitable.

The following exemplary embodiment describes a variant in which the read / write unit 2 carries out the write / arithmetic operation.

The transmitter S is in possession of a chip card 1 which, in addition to a permanent memory identification (PIN number), has a memory for bank-specific information and a memory for the coding. The aforementioned memories have the reference numerals 22-31 .

The chip card 1 is shown enlarged here and is inserted into the card holder 15 of the portable read / write unit 2 . The PIN is first entered by the user via the preferably alphanumeric keypad 16 . The integrated chip ( 19 ) confirms the legitimation.

The chip 19 then activates the arithmetic unit 20 and the coding is carried out as described above.

After inserting the programmed chip card 1 into the receptacle 15 a of the read / write unit 2 a, the connection to one's own bank or to one's own account 10 is established via the modem 3 and the data network 9 when the data processing system 14 passes through.

It should be noted here that although the off-line direct communication with the recipient and thus the rebooking from card to card is possible, a booking process from special account 11 can only be carried out from bank to bank (see above), which procedure is therefore part of the Security system of the present invention. In online operation, memory 24 of chip card 1 is overwritten by random generator 13 .

At the recipient "E", the amount instructed passes through the account 10 , with which payment information, sender identification, etc. are transmitted. Only after the actual booking process from bank to bank can the recipient "E" transfer the amount instructed to his bank account for use as a means of payment to a special account, his own PIN number being used and a new code I transmitted by his bank becomes. This means that the transfer routes and bookings can be traced at any time.

For special protection against abuse, the sender Code further coded by recipient-specific data. So is it is conceivable that, for. B. the code number 61696 with the Debit amount, the account number and the sort code of the Multiplied by the recipient and the number sequence  then on z. B. eight digits is reduced. A subsequent addition of a further 8-digit code Number (Code IV) and any required Reduction to 8 digits results in code II. It is important note that in the reduction z. B. all zero digits any value from 1 to 9 can be converted. Since the related bank can predict the normal coding, it is calculated with the same multiplication of all Codes I, which are still current, with the recipient data (the Debit amount, account number · sort code) and the subsequent digit reduction or addition like described with lawful use of the Identify the recipient information carrier and the code Legitimize the process.

It is therefore always ensured that the corresponding Storage units of the chip card debited money from Bank side credited to at least one special account only by using the special coding described (code I / II) is accessible.

Fig. 7 shows the schematic construction of a system for cashless transactions.

The off-line devices 2 a with their information carrier receptacle 15 a are connected via the interfaces 52 to the network 54 , which is shown here in tree structure and via the interface 52 to the data processing system. The on-line devices 2 a are also coupled in a tree structure here via interface 55 to the data processing system, the interface 56 representing the transition from the network 54 to the on-line devices 2 a. While the display or print was not used in the off-line devices, the on-line devices show the random number generator 57 and the timer 58 as a special feature.

The present invention provides a method and created a device with which the possibility exists to store confidential information that on the one hand, only with identification information is accessible and on the other hand also with instructions and identification information a payment transaction or the like allows, moreover, understandable is, however, the creditor bank and the creditor account as identifies mandatory data information, so that even with abusive intrusion into the data network, the Money order not to an unauthorized account can be derived.

This also completely eliminates bank errors.

Claims (37)

1. A method for secure remote data transmission, characterized in that an information carrier is provided by means of a read / write unit with information in addition to the fixed memory recognition (PIN number), which legitimizes the user that the information carrier for data transmission and / or recording or for payment transactions suitable and that it is protected against misuse by being encoded, and that the information carrier communicates via data transmission networks with at least one further information carrier or at least one read / write unit or contact and read directly from a read / write unit via its interface becomes. 2. The method according to claim 1, characterized, that the information content is about payments, Bookings, reservations, search reports and extends like communications. 3. The method according to claim 1 and at least one of the previous claims, characterized, that the comparison on identity of the permanent memory PIN Number with the in a read / write memory entered PIN number, at least the Read-only memory forms part of the information carrier, releases it for use, making one of one  Random code generator entered random generator Number or number already coded (code I) or the like with at least one other Coded random number or the like or is converted, and wherein the information carrier is a changed, d. H. for example, newly calculated coding (Code I ′) with the information to be transmitted forwards and that after forwarding the code (Codes I ′) this again for subsequent use is encoded (code I ′ ′). 4. The method according to claim 1 and at least one of the previous claims, characterized, that with telephone communication a read / write unit feeds the information carrier information to a modem, where on the receiver side the modem with at least one further read / write unit is coupled, which the Information processed or made visible or on another information carrier in whole or in part, transmits encrypted or unencrypted, and wherein the sender information carrier to secure against Abuse is preferred only with the transfer of one Codes (Code I) can be used. 5. The method according to claim 1 and at least one of Claims 1 to 4, characterized, that when paying via telephone line or the like via a code (code I) a cash balance debited from the operating resources account and to at least a read / write memory of the information carrier  is saved, access to the write / Read memory only with transmission of the current code (Code I) On-line to the bank is possible and that prefers each read / write memory with credit Special account is assigned to the bank, so that at Abuse only the maximum amount of this account is. 6. The method according to claim 1 and at least one of the previous claims, characterized, that in payment transactions by means of information carriers Debiting is preferably done online to the bank and the remaining credit of the read / write memory then with a new coding (code I) is updated in which the old code I with a new random generator code is overwritten. 7. The method according to claim 1, characterized, that the information carrier about payments its program, parts of its memory content and its Interface that establishes the on-line connection, whereby preferably a calculated code (code I) transmitted and ultimately legitimation at your own bank is checked. 8. The method according to claim 1 and at least one of the previous claims, characterized, that after a specified number of uses of the Information carrier as a means of payment off-line  a further use on-line from the corresponding Bank at least one new random number code (code I) read in and thus overwrite the old code I. must be, if necessary the letter / Read memory credit and thus the special account is increased. 9. The method according to claim 1 and at least one of the previous claims, characterized, that that on at least one read / write memory an information carrier’s total stored credit or partially with the current code (Code I) another via a telephone line or the like Information carrier or a read / write unit with Storage unit transferred and thus debited. 10. The method according to claim 1 and at least one of the previous claims, characterized, that before using an an information carrier amount credited as a means of payment of this On line and using the transmitted identifier of related bank can be credited to the recipient bank must, with which the actual burden of the Special accounts of the drawn bank and in one Subsequent step, your own transfer to a special account, your own coding (code I) and reading the debited amount on the corresponding letter / Read memory of the recipient information carrier is carried out.   11. The method according to claim 1 and at least one of previous claims, characterized, that for enhanced security one on the Information carrier stored code I from his Memory I in the arithmetic unit of the preferably portable Read / write unit enters and with data from Receiver is further encoded and that the so determined code II after reading into memory II and after removing the information carrier from the letter / Reading unit with the booking amount and other Information via long-distance transmission network on the Receiver information carrier is transmitted with what Memory II becomes free while previously coding also used code I according to the usual procedure was encoded and as a new code I for others Codings in the memory I frees occurs. 12. The method according to claim 1 and at least one of the previous claims, characterized, that the related bank or the like from the Random generator numbers the corresponding codes I calculated in advance and during a debiting process a recipient or creditor bank all current and listed codes I with preferred data of Coded recipient and the dubbed for debiting Code II for identity with one of these coded codes II compares the booking process with identity legitimized.   13. The method according to claim 1 and at least one of the previous claims, characterized, that the withdrawn bank after a defined period corresponding code lists (codes I) are deleted while the Code II lists immediately after verification of legitimacy to be deleted. 14. The method according to claim 1 and at least one of previous claims, characterized, that for further increased security over the Information carrier of the recipient, whose bank the requesting bank to call back, so that inevitably the transfer to the entitled Creditors account is done online. 15. The method according to claim 1 and at least one of the previous claims, characterized, that with a fixed number of incorrect entries use of an information carrier online is prevented. 16. The method according to claim 1 and at least one of the previous claims, characterized, that on-line with the bank or the like the information carrier a new random generator Number (code I) is read in until the next On-line coding dominates.   17. The method according to claim 1 and at least one of previous claims, characterized, that the coding (code I and II) and programming the Information carrier about a preferably portable Read / write device takes place, the arithmetic unit of which Coding (code I and II) of the information carrier carries out, with the determined code (Code I / II) for secure data transfer is available when the Information carrier by confirming the PIN number is legitimized. 18. The method according to claim 1 and at least one of the previous claims, characterized, that the portable read / write device by means of at least an integrated and selectable timer the corresponding programmed PIN number saves for a limited time and thus the respective Information carrier when entering it for use legitimized. 19. The method according to claim 1 and at least one of the previous claims characterized, that the coding (code I / II) of the information carrier via a preferred in its microprocessor integrated calculator and provided for secure data transmission becomes.   20. The method according to claim 1 to 19, characterized, that the display by means of the display or the like / Reading units and / or printer the bank received, the recipient bank, the debited credit, the Card number or the like or at Transmission of other types of information Whole or partial information content, unencrypted or made encrypted visible and acknowledgeable becomes. 21. The method according to claim 1 and at least one of the previous claims, characterized, that if the information carrier is lost or repeated incorrect use by a higher-level PIN number in banking transactions Special account / accounts for the operating resources account will be booked back. 22. The method according to claim 1 and at least one of the previous claims, characterized, that a code IV when transferring from bank to bank performs specific coding (Code II). 23. The method according to claim 1 and at least one of the previous claims, characterized, that the read / write unit can be used as a computer.   24. The method according to claim 1 and at least one of the previous claims, characterized, that for cashless payments Information carrier of a read / write unit is entered, the on-line or off-line Debit information carrier and until credit caches the amount to the recipient bank. 25. The method according to claim 1 and at least one of the previous claims, characterized, that to save time and for security when cashless Payment transactions via a separate letter / Reader the online connection for the appropriate information carrier produced and that this with a random generator code the write / Read unit on a special read / write memory for the subsequent off-line payment transactions is provided, whereby the payment transactions it is certain that the off-line devices Random number code only with previous online Legitimation of the information carrier via a network between on-line and off-line devices with Intermediate data processing system received and save and thereby release a purchase, whereby the stored random generator codes defined time. 26. The device for performing the method according to claim 1 and at least one of the preceding claims, characterized in that an information carrier ( 1 ) is provided in addition to a microprocessor or semiconductor chip ( 17 ) with at least one read-write memory ( 22-31 ) which is / are suitable for receiving information and / or money bookings and which / which can be programmed via the interface of the chip ( 17 ) by means of preferably portable read / write units (devices) ( 2 ) and whose storage unit (s) are, for . B. is / are changeable via arithmetic units, telecommunication networks ( 9 ) such as the telephone network being used, the peripheral devices ( 2 a) of which are suitable for receiving information media as well as the portable read / write units ( 2 ), and that the telephone ( 12 ) A modem ( 3 ) is provided, while digitally operating networks dispense with a modem and a random code generator ( 13 ) and a data processing system ( 14 a ') are suitable for money transfer in cashless money transactions. 27. The apparatus according to claim 26, characterized in that when using the information carrier ( 1 ) in monetary transactions over the telephone network ( 9 ) telephones ( 12 ) with modems ( 3 ) and read / write units ( 2 a) are provided, the interface with the information carrier interface, are compatible and are suitable for exact information carrier reception ( 15 a) and information transmission. 28. The apparatus of claim 26 and at least one of the previous claims, characterized,  that when using other transmission networks that are digital work, the peripherals with write / Provide reading units and for Information carrier recording suitable and with the Information carrier interface are compatible. 29. The device according to claim 26 and at least one of the preceding claims, characterized in that the information carrier ( 1 ) is designed as a microprocessor or semiconductor chip card with optionally integrated arithmetic unit and at least one read / write memory. 30. The device according to claim 26 and at least one of the preceding claims, characterized in that the preferably portable read / write units ( 2 ) are suitable for information carrier recording ( 15 ), with a preferably alphanumeric keyboard ( 16 ) and a display or the like and a microprocessor or semiconductor chip ( 19 ) with an integrated arithmetic unit ( 41 ), a power supply ( 46 ) and BUS system ( 42 ) for coding, the interface of the chip ( 19 ) being that of the information carrier ( 1 ) is compatible. 31. The device according to claim 26 and at least one of the preceding claims, characterized in that the preferably portable read / write units ( 2 ) are provided with at least one integrated timer ( 44 ) which can be selected separately and programmed in time by means of a keyboard ( 16 ), The read / write units ( 2 ) with their storage units are suitable for holding at least one programmed PIN number until the associated information carrier ( 1 ) is used, and preferably the programming can be canceled using a clear key ( 48 ). 32. Apparatus according to claim 26 and at least one of the preceding claims, characterized in that the read / write units of the peripheral devices ( 12 ) in addition to the information carrier receptacle ( 15 a) with preferably alpha-numeric keyboard ( 16 a), display ( 18 a) or the like and a microprocessor or semiconductor chip with preferably integrated arithmetic unit for coding are provided. 33. Apparatus according to claim 26 and at least one of the preceding claims, characterized in that the preferred read / write unit ( 2 ) as well as the read / write units ( 2 a) of the peripheral devices ( 12 ) is / are equipped with features of a computer . 34. Apparatus according to claim 26 and at least one of the preceding claims, characterized in that the read / write unit for off-line operation ( 2 a ') an information carrier holder ( 15 a'), preferably a microprocessor or semiconductor chip with an interface to the information carrier, at least one data memory, a display and / or printer and a further interface ( 52 ) to a network ( 54 ) of a data processing system ( 14 a '). 35. Apparatus according to claim 26 and at least one of the preceding claims, characterized in that the read / write units for online operation ( 2 a '') an information carrier holder ( 15 a ''), preferably a microprocessor or semiconductor chip with an interface to the information carrier, a modem in the telephone network, a random code generator ( 57 ), a timer ( 58 ) and a further interface ( 56 ) to the network ( 54 ) of the data processing system. 36. The apparatus of claim 26 and at least one of the previous claims, characterized, that the read / write units for the on-line and for the off-line operation are integrated in one device and prefers an interface to one Have data processing system. 37. Apparatus according to claim 26 and at least one of the preceding claims, characterized in that for hotel reservations, for querying vacant hotel rooms or the like, central data processing systems are equipped with modems for telephone traffic or with connections to other long-distance transmission networks, the information carriers ( 1 ) having a corresponding programmed chip and special memory elements are provided.