JP2001520427A - Access / clearing procedure using chip card - Google Patents

Abstract

(57) [Summary] The present invention provides an access clearing procedure using a chip card. A chip card having a first memory device for value is prepared for use and / or initialized. The value points authorize the service and / or support of the determined system provider. The determined amount is remitted to the system provider, and a value score corresponding to the amount is stored in the first memory device of the chip card. The decentralized subscriber access system is disconnected and the corresponding service and / or support is obtained by communication between the chip card inserted into the subscriber access device and the peripheral counting and locking elements. Finally, the value score corresponding to the obtained service and / or support is reduced.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

TECHNICAL FIELD OF THE INVENTION

The present invention relates to a chip card access and clearing procedure for the purchase of content and supplies from telecommunications and supply networks and to chip cards for purchasing services and / or goods by electronic trading of currency. Related to the clearing procedure.

[0002]

[Prior art]

In the past, different charging and access systems have been developed that use cards with magnetic stripes, chip cards, credit cards or any other type of card (smart card).

From DE-A-195 13 746 it is clear that telephone connections are protected from unauthorized use. In this version, a first chip card and a second chip card are used. The first chip card is integrated into the terminal box and the second chip card is at the central office.

[0004] A subscriber enters his PIN (personal identification number) with a keyboard and impersonates himself to obtain a first chip card. The first chip card authenticates the second chip card. In this case, the chip card can be used with a certain degree of trust. This card should be entered into the card reader, and its credit value is deducted on the first chip card by a cryptographic procedure. The credit value deducted is used to balance with the service provider.

[0005] Although it is not described in more detail, the only logical interpretation is that the single point of credit means that clearing to the service provider is due to the cost of the connection and the centrally generated metering devi
ce) is to be implemented in a way that is gradually implemented over the network by the provision services normally implemented. This means that the operation is similar to a conventional card phone because the system requires a centralized counting pulse or similar device to reduce the stored credit value.

[0006] From DE-A-44 08 655, the use of credit cards for mobile phones is known. The credit card may be a card that can be debited. Credit on the card reduces value in a manner similar to the system described above, with a centrally generated pulse repetition rate.

[0007]

[Problems to be solved by the invention]

Since the pulse repetition rate generated at the control center, e.g., central relay station, is used to reduce the current credit amount, the above procedure should be used mainly in telecommunications networks, and furthermore the central control system Means. However, this shows the disadvantage that, for example, in the case of imperfections of pulse transmission due to more or less long haul distribution, no reduction in the credit value can occur, which means that the service provider of the communication network has to withstand self-sacrifice. ing. Furthermore, another real disadvantage is that a constant communication or at least a pulse repetition rate transmission from the central relay station to the terminal equipment which increases the required procedures in the central office is required.

Accordingly, it is an object of the present invention to obviate the problems of the existing state of the art described above, to create an access clearing procedure by a chip card that does not require a return path in the system, and to create a clearing procedure for the clearing procedure. The search is also for a method in which there is no requirement for a permanent forward pulse, to provide a higher level of security and to be useful for many services.

[0009]

This problem is solved by the present invention with the procedures described in the claims.

Further, claims 11 to 21 describe chip cards which are likely to be used in these procedures.

[0011] It is an object of the present invention to provide a peripheral metering and controlling device.
ring and controlling device) and a decentralized subscriber access system having a subscriber access box connected thereto.
tem) to form an access clearing procedure with the chip card to obtain the supply and / or to get the services delivered from the communication network, the supply network and others. This procedure provides and / or initializes a chip card with storage for a value that allows one or more selected operators and / or suppliers to access services and / or supplies. . Further, the one or more designated cash amounts are transferred to one or more operators and / or suppliers, and the amounts or equal value points proportional to these amounts are stored in the first storage of the chip card. Is done. The peripheral counters and controllers communicate with the chip card inserted in the access box, while the distributed subscriber access system has free access and the required services and / or supplies are available. Finally, the value points corresponding to consumed services and / or supplies are reduced.

This means that the access control by the distributed subscriber access system is not realized by communication with the central control unit, but is realized by communication between the chip card and the peripheral metering / controlling unit. On the other hand, in the above procedure, the pre-selected value points can be stored in the chip card,
No return path of the system is needed, which means that a high security level is guaranteed. In particular, because the procedure does not require the transfer of a counting pulse or something similar from the central unit, because the clearing, i.e. the reduction in value, is realized in a decentralized manner, all procedures in the central control system There can be essentially reduced value pulses or something similar provided to any current subscriber. The distributed peripheral metering blocking mechanism does not need to be connected online with the central controller.

Further, a chip card clearing procedure is created by the present invention to purchase goods and / or services by using the access box of the programmer of the trader and service provider's site and the subscriber's site. You. Within this procedure, a chip card having a first storage device for data relating to remittances is provided and / or initialized. Data for remittance is stored by a programmer via a network in a first storage device of a chip card inserted into the access box. Finally, remittances (transactions) are dictated by remittance data.

Within this procedure, there is no exchange of data corresponding to money or the amount of data, for example, no exchange of credit card numbers between the programmer and the access box, only the exchange of data for remittance. In this way, a high level of security is guaranteed. The remittance is thereby ordered and arranged by the subscriber.

[0015] Another advantageous version of the invention is the matter of the dependent claims.

[0016]

BEST MODE FOR CARRYING OUT THE INVENTION

 The invention is illustrated by consideration of the following examples, the corresponding figures.

It is exposed to seeing. Hereinafter, a first example of one embodiment of the present invention will be described.

From WO 98/051163, a distributed subscriber access system for a time information communication network is known, comprising at least one programmable peripheral access point and providing at least partially connected subscribers. After the peripheral access point is connected by the subscriber to at least one access box and finally unfixed or switched, i.e., the microprocessor on the chip card It can be opened (partially for a certain time range or for a certain continuous fee) after the chip card is inserted when a valid value point is transferred to the microcontroller inside the access drive, and subscribed Within a certain response time range Manner) makes it possible to use the service and time range supplied via a network.

Referring to FIG. 1, there is shown a distributed subscriber access system as described herein above. In this figure, reference numeral 1 denotes a distributed subscriber access system and reference numeral 2 denotes a programmable peripheral access system.
Means device, reference number 2a means telephone connection or antenna socket, reference number 3 means subscriber access box, reference numbers 4 and 6a
Reference 5 means a telecommunications network or a program distribution network, reference 6 and 7 means a communication line, reference 8 means a single receiving device or subscription. Means the terminal.

The distributed subscriber access system 1 comprises a peripheral access device 2,
Single dwelling access lines 4 and 6a, existing telephone or antenna socket 2a, and mobile subscriber access box 3
To the telephone line socket or antenna socket 2a to line 6
Are connected in series.

Analog twisted pair (analog)
intelligent locking device for twisted pair
device) and a twisted pair network (ISDN)
The peripheral access device 2 embodied as a controllable network terminator in the network has at its input at least one trunk or connection line 4.
And is connected to at least one information communication network or program distribution network 5. The output of the access device 2 is connected via a single dwelling access line 6 and a line socket 2a to an access box 3 which is also connected via a connection line 7 to at least one receiving set. Alternatively, it is connected to the subscriber terminal 8.

The contact device for the chip card is arranged inside the access box 3,
The corresponding programmable microcontroller is inside Access Point 2. In between, a devaluation procedure occurs to devalue a certain number of value points on the chip card. This chip card re-billing process can be realized in an electronic cash terminal into which cash is transferred at the same time. The telephone socket or antenna socket 2a having a coaxial network is a tapline terminal antenna socket.
socket).

In the above application, a value chip or an authentication card which can be realized as a purse card will be described. However, to create a homogeneous application, the clearing procedure
It is not described here.

In addition, the distributed subscriber access system will be described not only for an information communication network but also for a normal supply network on which this access system can also be implemented.

As with telecommunications networks, peripheral locking devices at peripheral access points can be unlocked by the subscriber only after obtaining authentication and have valid value-points. Clearing card
Peripheral access controllers can be used as well as electronic metering and switching devices in the case of supply networks while maintaining the card, so that total or partial supply is Relying on the existence of a prepayment of points, in which case the subscriber needs to have a valid access cash card. In this case, the value point is transferred to the microcontroller in the access point, so that (in the case of electrical energy kWh in the case of gas and water cubic meters) is unfixed for a certain continuous service or supply. can do. In this way, the prepaid or pre-cash system for the network is created.

FIGS. 2 and 3 show a distributed subscriber access system that can be used in the case of a supply network.

In FIG. 2, reference numeral 10 denotes a distributed subscriber access system for the supply network, reference numeral 11 denotes a supply line at the input, and reference numeral 12 denotes a peripheral metering system. Reference numeral 13 denotes a line, reference numeral 14 denotes a subscriber access box having a chip card reader and writer, and reference numeral 15 denotes an output line.

As shown in FIG. 2, the input line 11 is connected to a peripheral metering and locking device (per
ipheral metering and locking device 12. This peripheral metering and locking device 12 is further connected to a subscriber access box 14. Eventually, the subscriber access box 14 is connected via the output line 15, so that a supply with, for example, energy, electricity, gas, water, etc. occurs.

In FIG. 3, the same reference numerals as those in FIG. 2 indicate corresponding same parts.

As shown in FIG. 3, the supply line 11 at the input is connected to a peripheral metering and locking device 12. Furthermore, the peripheral metering and locking device 12
Connected to output line 15. Via the line 13, the peripheral metering and locking device 12 is also connected to a subscriber access box 14, whereby this connection can be as long as recommended and can also be made wirelessly, for example via broadcast. Can be realized. Thus, for example, the supply of energy, electricity, gas and water is guaranteed.

According to previous embodiments, the subscriber's access to the communication and provisioning networks may be anonymous, and the provisioning and use of services may be selected by the subscriber himself. Because of the once very expensive system return path for managing, handling, controlling and clearing subscribers, the present invention presents a new way to avoid these high costs, and Create an access permission with prepaid characters in

The return path of the system is implemented by the payer himself and as a purchase or bill of Value Points or from a chip card to the operator's account that has the right to take charge to sell supplies over the network. Is also traded as remittance. This operator has experience programming peripheral access points with all the data needed for clearing and management. This programming is done by a hand programming device or PC programmer and is not described in further detail via this programmer specific root and work or other networks via long distance data transmission.

The basic idea of this procedure is that the system
It is not necessary to make an online connection to a pass or clearing or proof central device or bank, but in this case the payment will be made in the chip card only when the subscriber charges the chip card on the loading terminal at the operator-selected amount Realized in a short time via transaction to the stored operator account. In this case, the new use of this chip card or authentication card is realized as a transfer card only when transferring money from the subscriber's account to the operator's account, and the subscriber can order services and supplies at the free choice of remittance. Accept a certain amount of Value Points corresponding to the commission you can earn. This use is based on any type of electronic purse-card in the section's additional operations.
), So that any form of electronic commerce can be realized. In this case, the amount charged on the tip is zero, but this amount is
Electronically transferred from a subscriber or user account to an operator or provider account.

Access to the services of a network, for example a communication network or a supply network, is only guaranteed if the user has authorization for it. This means that in the case of a distributed subscriber access system for a telecommunications network or a supply network, so-called metering and locking devices are used, the amount used can be counted and this supply reaches the limit of prepaid credits. In such a case, locking of access occurs wholly or partially.

Partial locking, for example, in the case of a service category, a minimum load or a maximum load or a micro-supplies or a full supply (f
ull-supplies) tend to maintain a constant emergency supply when necessary or when full locking is too strict.

If the access box is not integrated with the peripheral access controller, the subscriber's access box can be connected to the peripheral fixed device via a separate line, on which the subscriber access box is connected Peripheral access controller by energy or data or vice versa,
Also, cryptographic data exchange between the microcontroller inserted into the subscriber access box and the micrometer controller on the peripheral metering and locking device and chip card can be realized.

When using a distributed subscriber access system, the chip card reads the data stored in the peripheral metering device, still traded via the programmer by the operator or provider at the moment of the first insertion, These data include information about the operator / provider's region, identity and bank connection. In order to perform this transaction, the subscriber / user must insert a chip card into the bank's loading terminal and send these data via long-distance data transmission, respectively, to perform this transaction Must. Immediately thereafter, the amount is converted in the form of individual value points in one of the so-called auxiliary currencies by using one of the add-on operations of the berth card.

On the other hand, the classic bar card operating system is used and widely introduced as a means of electronic cash transfer. On the other hand, a system of additional operations is used, whereby the value points on the billed card claimed in the decentralized subscriber access system are devalued step by step or completely. Along this devaluation, the peripheral access controller opens itself for a certain type of supply for a certain time range. The subscriber can thus use the service from a single residential connection, if necessary, because of the supply or a fixed fee according to that value. Therefore, the operating system is installed on the chip card in this way, and whenever it is intended, or depending on whether the transaction is actually completed and completed, the initially selected amount is converted to a new value coupon. It is recommended to be transferred.

In this distributed subscriber access system, the peripheral access device of the telecommunications network or the supply network is connected to the subscriber access box via a single residential signal line, and then the peripheral access device In addition to the data exchange between the controllers inside the chip card, the power supply of the peripheral access controller occurs. For this data connection, a data transfer is made, which ultimately controls the type of authentication and the period of subscriber access and / or the level of continuous charges, respectively, the supply. Peripheral access devices can be located within the territory of the operator's abilities, even if they are out of range for the subscriber, and can be voluntarily provided by the operator prior to installation of the site itself or via an external network, if necessary Or through a distributed network with signals sent by the programmer. The system includes a programmable microcontroller in series and a corresponding clearing element (clear clear) that is the basis for purchased services and approval evidence and price control.
It can be programmed with network operator data, addresses, bank accounts as well as location data, its exact location and number, as well as ing factor data.

This peripheral access point can be implemented both as a single access controller and as a peripheral metering and locking device between the corresponding output of the telecommunications network and the supply network and a single residential connection line. Or can be inserted as a single element into the network, creating a so-called single locking device that totally or partially controls access to these networks in one or both directions. Is done.

With the option of long-distance programming via its own distributed network or a second distributed network, changeable data such as names, names of network operators, addresses, banking data and clearing elements as a basis for clearing are always available. Can be changed by software. This is recommended to avoid misuse and unauthorized access. Furthermore, the network operator / service provider can re-lock, limit or switch on as desired, if deemed necessary. This means that if the subscriber does not seem to accept the prepaid procedure, it thus provides a permanent free access, ie a free coupon in the form of a free access chip card, or as usual. Supply for billing or debit, meaningful if access needs to be fixed again in case of payment deletion.

If a purchase is made from a supply network (energy, electricity, gas, water, etc.), a distributed subscriber access system similar to the system described for the telecommunications network is feasible.

Hereinafter, each of energy and electricity will be described.

The installation of a peripheral metering and locking device is nowadays convenient at the intersection between metered and unmetered electricity, in a location very similar to where conventional meters are found. In this way, the locking device can be integrated with a so-called meter or set in series with this meter. This total or partial disturbance can be achieved with a high or low power controlled output, whereby the low power control can, if necessary, reduce the second A clear energy supply can be guaranteed to avoid damage. Emergency supplies can be deployed for safety. In particular in the future, modern fixing devices must also be in a position that allows for energy return, so here, in particular, the additional method is:
It is necessary to allow energy return into the network. Both energy converters, a converter into the network and another converter outside the network, can be controlled via the same clearing procedure. A clear energy return measurement can be integrated into the entire clearing procedure. This supply locking can be established by other switches, such as so-called power relays or electronic power switches. The programming of the microcontroller inside the peripheral metering and locking device can be realized by modern concepts for communication, for example via an energy network (power line communication system), whereby low voltage area networks, and Infrequently used data can be sent on the intermediate voltage line down to the single vessel connection controller to implement function checking and control. Because this data network is in a state of development (although universal universal use is possible in the future), the effects of this microcontroller are programmed at the time of installation and can be self-contained beyond the distance of the network operator. At any time via our data network. In this case, the energy supplier implements his own changes and maintains the possibility to protect against manipulation and tamper. The access box can be integrated into the peripheral instrumentation and fixed device and may be connected to the house or to any point of this single house power network. If a valid value chip card is inserted, this fixation is interrupted and a sufficient indication of the supply amount or the length of the existing value point amount is shown.

Hereinafter, gas supply will be described.

In the case of a gas supply, fixing of the access point is possible in whole or in part, but here there is no possible forward data transmission. In this case, the usual possibilities via power lines or telephone lines need to be used, if necessary, to influence the peripheral measurement and fixed devices by forward programming. Perimeter measurement and fixed devices that can be integrated into the meter require separate power supply so that data can be stored and modified, and the access point controlled by the subscriber access box according to subscriber authentication are doing. In the so-called valve control department, the (peripheral access controller) must be a microcontroller and can be programmed by an external serial socket or influenced by an external long-distance data transfer.

Hereinafter, the purchase of water will be described.

In the case of water, the same can be said for the case of gas. No data transmission is possible, but in both cases the subscriber access box may need to be said to have to be in direct contact with the corresponding meter, so that the amount used can be actually measured . In both cases, the electronic data must be provided by electronically scanning the output and measurement pulses. It should be pointed out here that, in the case of supply from supply and information and communication networks, the above clearing system with prepaid characters can be used in parallel, separately from other existing and conventional payment systems. Thus, the subscriber can always use a value card with limited or unlimited authorization, ie a credit card. Each of the microprocessors within the peripheral switching device can be reprogrammed via an optional installed forward data transmission, but may be affected by the operator or supplier due to its unfixed or fixed. is there.

Each subscriber obtains or purchases an access box with a chip card reader, as well as an optionally initialized microprocessor chip card. This chip card with microprocessor, as explained earlier,
It is a special embodiment of a clearing card. This clearing card is programmed with the control system as described above and is accessed at the moment of insertion into the subscriber's access box primarily for a fixed time range and / or a fixed continuous charge or fixed supply. Points can be opened and operator specific data such as the name of the operator or clearing service provider, banking data, purpose and location of peripheral connection points can be stored via contact with the card reader.

After this card devaluation has progressed, the subscriber will need to re-claim a berth card or a credit card similar to a credit card at any time of billing. To this end, the subscriber inserts a card, an amount similar to an electronic berth card, into the recharging terminal, and by using one of the additional operations of this chip, the subscriber can select himself and electronically transfer it Is stored as cash, but by transferring the purpose and location of certain connected devices and other specific data, the account of the corresponding network operator is transferred to the account of the card features according to the information initialized on the card. Therefore, it is transferred. This sequence can also be an offline or online long distance data transfer. Cash must also be provided by the subscriber when claiming a common electronic berth card, either by cash or a credit card with a convenient identification (PIN), and when ordered online, the selected The amount is transferred to the operator or service provider's account and the subscriber can be notified as well.

At the same time, the corresponding value according to the money transacted can be created by software, implemented on a microchip and credited via the additional operation of the corresponding storage device. Thereafter, the subscriber enters the card in the access box. There, corresponding peripheral access points can be reopened for this new value point, meaning that services or supplies can be purchased or used. The number of value points is proportional to the unit of time accessible, the service unit or supply unit that the information communication or supply network remains accessible. Corresponding differences, eg, days, supply, data volume, are indicated on the access box display or control panel. In this way, the operator or supplier has the advantage that the operator or supplier is informed of the time about the profile of the network as the placement of the subscriber is evidenced by the transfer, so that the operator and the sharer can Can be supplied.
In this way, the supplier advertises to these subscribers whether access points are seldom or not used, and if necessary, without knowing the subscribers by name and address. Know what you can do.

The subscriber himself remains totally anonymous and free to choose the desired service from a communication and is provided for a particular residential line and can fix access to the access point. Yes, but also if you want to spend your time away from home on vacation, illness or a second address. The subscriber knows the address and the purpose of the payment and can decide on the amount depending on whether it is chosen by the subscriber himself or established for remittance of the amount provided. In the case of a chip card request with cash, the receipt or statement of that amount can be printed at any time. This is advantageous because the network acts as a shelter against access and tamper of unauthorized persons, and the access itself has self-service characters.

Hereinafter, the access restriction will be described.

If a subscriber obtains an access card for a certain time range and for a certain purpose only, certain services or subscribers may be away from home for unauthorized family composition without the permission of the subscriber. If you want to avoid access in the Internet or to prevent the use of informal or expensive services, a second authentication can be made by certain modifications in the operating system, and these high-level products or services Access is fixed. In this way, a so-called child access card or guest access card is provided which is inserted into the access box, and the subscriber is provided at any time when the main authentication card is removed and concealed. You. Even these restriction cards can be activated according to the preceding statement by depositing the amount chosen by the subscriber himself, the validity of which is:
Depending on the price of the selected category, it can be deducted by days consumed, fee or quantity. This restriction card can also provide only a single restriction function at any time when the devaluation of the main card has already been completed at the peripheral connection point by transmitting the value point.

In the following, the amount of clear remittance to different payees will be described.

If necessary, the network operator or supplier can already decide in the software to supply the accepted amount to others, for example the main provider of the telephone network, ie the supply network. Part of the remittance amount should be distributed to the corresponding sub-suppliers. This occurs due to the storage of further transfer data and depends on a certain clearing percentage, so that a so-called clearing cascade is created.

Hereinafter, different combinations of access boxes will be described.

[0058] Any number of single access boxes can be integrated into one multimedia clearing box for one subscriber to purchase provisioning services from different communication or provisioning networks. In this way, a so-called multimedia or multifunctional clearing and switching central office can be created. It can be conveniently installed in a Comfort-Telephone.

Hereinafter, the discount procedure will be described.

If the subscriber wants to transfer a larger amount via the authentication card to the network operator / supplier's account, and thus wants to get higher credit for a longer time range, or less billing If we want to have a credit of, a non-linear amount of value points should be provided to compensate for the loss in question. Such discounts are common within chip card methods and prepayment means. As a result, subscribers may decide their budget,
Connected to the media supply or communication network and other services to the supply network. Network operators and suppliers have the advantage that the service provided is already paid at the moment of ordering and it is no longer necessary to distribute value cards or invoices, surveys of any other type of billing and payment process. Having. The target revenue of characters prepaid for network operators and suppliers is thus assimilated. Partial payment can also be realized in this type.

At this point it must be mentioned that FIG. 4 shows that a number of value cards on a chip card for purchasing information and communication services from networks and lines.
4 shows the procedure for claiming points. FIG. 5 illustrates the process of devaluing a chip card to purchase information and communication services from networks and lines. FIG. 6 also shows a single prepaid process in a distributed subscriber access system whereby the number of value points is created on the card after realizing a transaction between the operator, the subscriber and the bank. You.

Since the drawings themselves are sufficient description, detailed description is unnecessary.

Hereinafter, a second example of the embodiment of the present invention will be described.

It should be pointed out that although the second example of one embodiment of the invention is described mainly mainly for the differences from the first example of one embodiment of the invention, The idea regarding the first example of the embodiment of the present invention means that the concept is the same as that of the second example of the embodiment of the present invention.

In a second example of an embodiment of the present invention, a clearing procedure via a chip card for the purchase of goods and services in a general format will be described. Data about the transaction is transferred from the programmer of the dealer or service provider to the chip card and, like the said programmer and chip card of the network operator, is placed in an access box for the subscriber or customer so that subsequent payments can be ordered. Inserted and read into the chip card when the subscriber introduces a transaction and several transactions, the subscriber can either directly on the bank's billing terminal or via a long-distance data transaction system to the bank online , By placing an order on the debit of the account and selected by using a common instrument by the subscriber himself and the banking organization of choice.

The difference between the above action and the action for the first example of one embodiment of the present invention is the required value point (electronic substitutive currency).
onal currency)), but due to the second application,
Equipment is required to order the transaction from the subscriber or customer, but exactly when the subscriber wants to make a transaction, i.e. the subscriber deposits the required credit and the dealer or service provider goes through a pre-cash procedure. It is time to know as you get the goods and services after receiving the transaction. In this case, C.I. O. D-Parcel or unconfirmed online cash transactions can be avoided.

As a feature of this procedure, the remittance of the service is exclusively at the responsibility of the bank, and all pre-cash services are thus comfortably emphasized, the security of the remittance and the guaranteed transaction・ There is an order.

As in the first example of one embodiment of the present invention, the basic idea of this procedure is that the system includes its own return path or a central office for the necessary institutions such as clearing and evidence. You don't want to wait online. In accordance with this second example of one embodiment, payment of a transaction to a dealer or service provider account, previously stored on a chip card, is made exactly at that moment, at which time the subscriber will be charged to the loading terminal Order transaction with chip card at. In this way, the new chip card or authentication card can be used as a transaction card, and only needs to place a transaction in a customer or subscriber account. This operation can be stored in the type of electronic berth card in the existing additional operation, so that all kinds of electronic commerce can be realized. With this card, there is no required cash loading, but cash is transferred electronically from the subscriber or customer account to the dealer or service provider account. In this way, unmanageable amounts can be avoided.

FIG. 7 shows an access system for electronic transfer, ie, electronic remittance. In this figure, reference numeral 16 refers to a network line, reference numeral 17 refers to a service provider / dealer side programmer, and reference numeral 18 refers to a chip card access box at the subscriber's site. means.

Here, the service provider / dealer with the programmer 17 and optionally the integrated dealer card are connected to the access box 18 on the network line 16. After confirmation by the subscriber on the subscriber's chip card, the programmer 17 forwards the data relating to the transaction to the access box 18 for storage, respectively.

According to FIG. 8, the same reference numerals are given to corresponding parts similar to those in FIG.

FIG. 8 shows an overview of a system used in a second example of the embodiment of the present invention. For clarity, FIG. 8 shows the installation of a programmer 17 connected via a network line 16 at a service provider or dealer site, and another site for sending and confirming transaction orders. Shows an access box 18 at the site of the subscriber or customer.

In contrast to the distributed subscriber access system used for the access system in the first example of one embodiment of the present invention, the second embodiment of the present invention for purchasing services and goods The electronic remittance procedure used in the second example, on the other hand, can be much more concise, but in this case, value points are not needed to be generated to clarify the amount.

In this case, it is sufficient to implement a single transaction without generating a corresponding number of value points to purchase a distinct product and service for pre-cash or prepayment. This chip card can be described as an authentication card or an electronic card having a transaction function or a transaction card without a devaluation function.

In the operating system, as in the additional operation, normal security steps designed according to the cryptographic standard are integrated to reduce misuse.

The transaction process is the responsibility of the bank. In this way, the chip card is more secure as a cash card and has no danger of being stolen, so it can only fulfill its task in one destination's residence, confirm the actual identity of the chip card owner, and Credit or electronic cash card or cash amount.

In the following, a credit card for purchasing goods or services by an electronic cash transaction will be described in detail together with the use of an electronic cash bath card for transactions.

This operation is made possible by the combination of one or more access boxes at the subscriber or customer site and provides broadband access to one or several programmers of the exemplary Internet, telephone network or service provider or dealer. Connected via network. This operation is integrated into all kinds of peripheral solutions and all kinds of operations and is confirmed by the state of the art today.

This operation allows pre-cash procedures (telephone shopping, e-commerce, catalog items, books,
(For all types of services, including similar ones with a clear focus on insurance and purchasing)
It can be created in that form, for example, when a subscriber places a customer order for an online contract via telephone or mouse click, respectively, and the supplier of the above services and goods that the dealer or supplier needs to provide is an account Number and, for single purpose, means the data required for the transaction, including the connection to the bank, if necessary after confirmation, and are transferred online to the chip card inside the subscriber's access box, so these The data is stored on the subscriber's chip card, which makes and confirms different purchases, orders and payment requests, and then checks each one of them at the loading terminals with each other. Take a chip card to the bank on any day to transfer all stored transactions.

The subscriber withdraws cash from a cash or common credit card or electronic cash card in the usual manner and is checked online for sufficient credit to order the transaction.

If you need to go to a bank loading terminal, you can use standard SET (secure electronic trading) or HBCI (Home Banking Computer Interface)
Can be avoided by using existing long-distance data for transactions along. Only after the closing of the transaction will the subscriber be assured that the already paid service will be provided. The difference between a procedure using a distributed subscriber access system according to an embodiment of the invention and a procedure using a common access system according to a second example of an embodiment is that Because the order has already been placed, it is necessary to implement an additional number of value points as electronic auxiliary money that does not need to be stored, for example, to purchase a service or the like.

The service provider / dealer offers services, eg goods, only if payment can be illuminated. According to a second example of an embodiment of the invention, this type of operation simplifies the use according to the first example of an embodiment of the invention at a very important point, so that both the dealer and the customer , Maintain all of your rights. Buyer agrees that C.I. O. D has the right to exchange as if the operation had been performed before paying via credit card or other billing system, causing them a lot of risk and is no longer necessary. Simple operations on this device are:
Even if there is no PC available, anyone can execute it. All the data needed for this transaction can be shown on a small display on the access box. This access box has a keyboard, for example, the confirmation key plays a special role.

The advantage of this billing procedure is not only the storage of cash transactions when placing orders on cards, but also the execution of cash transactions orders which can be confirmed on the card by the subscriber and on the card at all parsing terminals Since the identification of the card and the examination of the format are performed at the responsibility of the bank, double protection is self-evidently high protection against misuse. This payment account is checked by ec-Card or cash payment can be realized as well. On the other hand, if the credit for the transaction is large, it can be checked online to see if it will be traded.

It should be pointed out at this point that FIG. 9 shows a flowchart of a portion of a simplified electronic transaction procedure for obtaining services and / or goods. Accordingly, this flowchart corresponds to the first transaction step of the transaction data in the storage of the additional function of the chip card or the advanced function storage mechanism. FIG. 10 shows a flowchart of a portion of a simplified electronic transaction process for purchasing services and / or goods. Thus, this flowchart illustrates the second step of the cash transaction, namely,
Corresponding to the cash transaction procedure via the add operation, FIG. 11 shows a simple prepaid process or prepaid procedure without creating Value Point credits, whereby the cash transaction is performed by the chip card in the access box. Stored above, a transaction of the customer or subscriber account to the dealer or service provider account is realized.

[0085] These figures are self-explanatory and do not require a detailed description of these figures.

It is finally necessary to mention that the chip card can be realized and the procedure according to the first example of the embodiment of the present invention is sufficient as the procedure according to the second example of the embodiment of the present invention. used.

[0087] Further advantages and advantages of the invention will not be described in detail, but will correspond to the accompanying figures.

[Brief description of the drawings]

FIG. 1 is a distributed subscriber access system for a communication network used in a first example of an embodiment of the present invention.

FIG. 2 is a distributed subscriber access system for a supply network used in the first example of the embodiment of the present invention described above.

FIG. 3 is another distributed subscriber access system for the supply network used in the first example of the embodiment of the present invention;

FIG. 4 is a flowchart of claiming a value according to the first example of the embodiment of the present invention;

FIG. 5 is a flowchart of value reduction (payment) used in the first example of the embodiment of the present invention;

FIG. 6 shows a prepaid process according to a first example of the embodiment of the present invention.

FIG. 7 is an access system used in a second example of the embodiment of the present invention.

FIG. 8 is an overall view of a realization system according to a second example of the embodiment of the present invention.

FIG. 9 is a flowchart of a first part of a simplified electronic transaction procedure according to a second example of an embodiment of the present invention.

FIG. 10 is a flowchart of a second part of a simplified electronic trading procedure according to a second example of an embodiment of the present invention.

FIG. 11 shows a prepaid process according to a second example of the embodiment of the present invention.

────────────────────────────────────────────────── ─── Continuation of the front page (31) Priority claim number 198 35 909.8 (32) Priority date August 7, 1998 (1998.8.7) (33) Priority claim country Germany (DE) ( 81) Designated countries EP (AT, BE, CH, CY, DE, DK, ES, FI, FR, GB, GR, IE, IT, LU, MC, NL, PT, SE), OA (BF, BJ, CF, CG, CI, CM, GA, GN, GW, ML, MR, NE, SN, TD, TG), AP (GH, GM, KE, LS, MW, SD, SZ, UG, ZW), EA (AM, AZ, BY, KG, KZ, MD, RU, TJ, TM), AL, AM, AT, AU, AZ, BA, BB, BG, BR, BY, CA, CH, CN, CU, CZ, D , EE, ES, FI, GB, GD, GE, GH, GM, HR, HU, ID, IL, IS, JP, KE, KG, KP, KR, KZ, LC, LK, LR, LS, LT, LU, LV, MD, MG, MK, MN, MW, MX, NO, NZ, PL, PT, RO, RU, SD, SE, SG, SI, SK, SL, TJ, TM, TR, TT, UA , UG, US, UZ, VN, YU, ZW

Claims (25)

[Claims] To purchase services and / or supplies from a communication network, supply network, etc. by using a distributed subscriber access system having a peripheral metering and locking device and a subscriber access box connected thereto. An access clearing procedure by a chip card, comprising: [a] providing a chip card with a first storage device for a value permitting the purchase of services from one or more operators and / or suppliers. And / or initializing; [b] trading one or more separate amounts with one or more operators and / or suppliers, and a first storage of the chip card according to these amounts. One or more worth Storing a number; [c] unlocking the distributed subscriber access system and corresponding services and / or via communication with a peripheral locking device by a chip card inserted into the subscriber access box. An access clearing procedure comprising: purchasing a supply; and [d] reducing a value corresponding to the purchased service or / and supply. 2. A distributed subscriber access system which is locked by a peripheral metering and locking device whenever the value is reduced.
Procedure described in. 3. The procedure according to claim 1, wherein steps [a] to [d] are to be repeated. 4. A second storage device for storing address data, bank account data and additional purposes of canceling a transaction of a predetermined amount to the address and bank account stored in the second storage device. A procedure according to any of the preceding claims, characterized in that the chip card is provided with a storage device according to (1). 5. The operator's address and a bank account transferred to said second storage device during a first communication between a chip card and a peripheral metering and locking device. Procedure described in. 6. The procedure according to claim 4, wherein the specific data of the corresponding connection, for example, the location, location and number are transferred to the chip card. 7. A procedure according to any of the preceding claims, characterized by providing a third storage device of a chip card in which the types of services and / or supplies available for purchase are stored. 8. The method according to claim 1, further comprising the step of transferring a value stored on said chip card to said distributed subscriber access system at a time of a first communication between said chip card and said peripheral metering and locking device. A procedure according to any of the preceding claims. 9. A procedure according to any of the preceding claims, characterized in that a selected part of the service or supply is purchased or blocked with an additional card. 10. A system for different distributed subscriber access systems, wherein different value points are transferred to one or more peripheral metering and locking devices via one or more subscriber access boxes. A procedure according to any of the preceding claims, wherein the procedure is stored on the chip card. 11. A first storage device for storing a value point, a second storage device for storing address data, bank account data and data about a purpose, and a monetary processing for processing a specific amount, respectively. Transmitting the address and the purpose of the bank account to the address stored in the second storage device by using the device for charging the chip card at the same time as canceling the password. card. 12. The chip card according to claim 11, wherein the chip card is used in the procedure according to any one of claims 1 to 10. 13. A chip card clearing procedure for purchasing goods and / or services using a dealer / service provider specific programmer and a client / subscriber specific access box, comprising: [a] the transaction related data. Providing and / or initializing a chip card having a first storage device for storing the data associated with a transaction with a programmer; and [b] storing data associated with the chip card inserted into the access box via the network. A clearing procedure comprising: storing in the first storage device; and [c] initiating a transaction with data associated with the transaction and incorporating purchases of goods and / or services. 14. The data associated with the transaction remits a predetermined amount to an address, a bank account or data for a purpose of use, and a corresponding data address associated with the transaction stored in the first storage device. 14. The procedure according to claim 13, characterized by a chip card providing a function. 15. A procedure according to claim 13 or 14, characterized in that the purchase of goods or services is realized only for completed and successful transactions. 16. The procedure of claim 13, wherein a number of transactions can be stored to provide matching data associated with the transactions in the first storage device. 17. The method according to claim 13, wherein the transaction is realized via long-distance data transmission by inserting the chip card into a terminal or by delivering the chip card at a bank counter. The procedure described. 18. The method according to claim 13, characterized in that the transaction and / or the solvency are checked and the reliability and / or authorization can be checked.
7. The procedure according to any one of items 7. 19. The procedure according to claim 13, wherein an authorization code is stored on the chip card by referring to step [a]. 20. The procedure according to claim 13, wherein the bank data of at least one bank account and / or at least one loan are initially stored on a chip card. 21. A first storage device for storing data related to a transaction, and a function for causing a remittance or a transaction for remittance based on the data related to the transaction stored in the first storage device. Chip card to provide. 22. The chip card according to claim 21, characterized in that the function is implemented by software, for example by a standard HBCI, implemented in a bank terminal or according to existing rules and security specifications. 23. The chip card according to claim 21, wherein the chip card has an ability to store a large amount of data for a transaction in the first storage device. 24. The chip card according to claim 21, wherein the chip card is used in a procedure according to claim 13. Description: 25. A chip card according to claim 11, characterized by additional specifications according to one of claims 21 to 24.