公开(公告)号：AU780943B2

公开(公告)日：2005-04-28

申请号：AU7175700

申请日：2000-11-22

Applicant: IBM

Inventor： HANSMANN UWE ,  HENN HORST ,  MERK LOTHAR ,  STOBER THOMAS

IPC: G06Q20/00 ,  G06F17/60 ,  G06F19/00

Abstract: A method, system and program for payment in a purchasing action performed by means of a cellular standard communication between a customer using said cellular standard communication device and a provider offering goods and/or services, wherein the communication between said customer and said provider is performed via a voice channel of said communication device and transmissions of an electronic bill from said provider to said customer, of a money transfer order from said customer to a payment provider and of a receipt of payment from said payment provider to said customer are performed via a service channel of the cellular standard network.

公开(公告)号：DE19929049A1

公开(公告)日：2000-12-28

申请号：DE19929049

申请日：1999-06-25

Applicant: IBM

Inventor： STOBER THOMAS ,  HANSMANN UWE ,  MERK LOTHAR ,  HENN HORST

IPC: G06F21/34 ,  G06K19/07 ,  G06K19/073 ,  G07F7/10 ,  G06F17/60 ,  G06F12/14 ,  G07F7/08

Abstract: The arrangement has a token containing. a non-volatile memory, a volatile memory and a microprocessor for processing data, a device for communications between the token and data processor, a data processor containing. applications or software components thereof, an application or component register and an agent for communications between the token and an application or its software components. An Independent claim is also included for a method of configuring applications on a data processor.

公开(公告)号：AU7175700A

公开(公告)日：2001-07-05

申请号：AU7175700

申请日：2000-11-22

Applicant: IBM

Inventor： HENN HORST ,  STOBER THOMAS ,  MERK LOTHAR ,  HANSMANN UWE

IPC: G06Q20/00 ,  G06F17/60 ,  G06F19/00

Abstract: A method, system and program for payment in a purchasing action performed by means of a cellular standard communication between a customer using said cellular standard communication device and a provider offering goods and/or services, wherein the communication between said customer and said provider is performed via a voice channel of said communication device and transmissions of an electronic bill from said provider to said customer, of a money transfer order from said customer to a payment provider and of a receipt of payment from said payment provider to said customer are performed via a service channel of the cellular standard network.

公开(公告)号：DE10000995A1

公开(公告)日：2000-08-31

申请号：DE10000995

申请日：2000-01-13

Applicant: IBM

Inventor： HENN HORST

IPC: G06K7/00 ,  G06F3/06

Abstract: The method involves providing a connection between the chip card (2) and the read/recording device (3) if the chip card comes within communications range of the read/recording device, activating an access authorization arrangement (13) for data exchanges and performing a data exchange between the chip card and the read/recording device only if the authorization device is activated. An Independent claim is also included for a data exchange control system.

公开(公告)号：DE19600080B4

公开(公告)日：2006-06-29

申请号：DE19600080

申请日：1996-01-03

Applicant: IBM

Inventor： HENN HORST

IPC: A61B5/00 ,  A61B5/1172 ,  G06K9/00 ,  G06K9/62

Abstract: The method employs a finger print device (10), with a finger moulding or cavity (20) that has a surrounding edge (30), a pull-out foil (50), and an ink layer (40). The ink layer is covered by the foil and enclosed on the sides by the edge or wall, except along an edge to allow the foil to be withdrawn after a print has been made. When a finger is inserted into the cavity and pressed downwards, the ridges on the finger tip force ink from the pad (40) on the foil so that a print of the finger tip is made, for identity checking.

公开(公告)号：DE19938695A1

公开(公告)日：2001-02-15

申请号：DE19938695

申请日：1999-08-14

Applicant: IBM

Inventor： WEBER ROLAND ,  HENN HORST ,  SCHAECK THOMAS

IPC: G06Q20/00 ,  G07F7/10 ,  G07F19/00 ,  G07F7/08 ,  G06F17/60

Abstract: A device and a process for the performance of cashless payments between customer and dealer via a contact bank. An on-line process between customer and dealer to define the payment method, check the availability frame, issue a voucher to describe the transaction, issue a payment instruction, signature of the issued voucher by the dealer and signature of the payment instruction by the dealer and the customer, where the bank is connected off-line, and a subsequent on-line process between dealer and bank to transfer the signed payment instruction and signed voucher, check the dealer and customer signature, check the allocation between payment instruction and voucher, replace the dealer and customer identity data with information for performance of the payment instruction, performance of the payment instruction and storage of vouchers. No sensitive customer data such as account number, credit card number etc. is stored on the customer card and hence misuse by unauthorised persons is excluded. The process serves to define the payment methods required by the customer for mechanical processing and to minimise the risk to the customer on loss of the customer card, it also allows customers who do not have a bank account, such as children for example, to have access to an electronic payment means with limited availability frame. The customer card can be designed as a card with contacts or a contactless card.

公开(公告)号：DE10000996A1

公开(公告)日：2000-08-17

申请号：DE10000996

申请日：2000-01-13

Applicant: IBM

Inventor： HENN HORST

IPC: G07C9/00 ,  G07F7/12 ,  G06F12/14 ,  G06K19/073

Abstract: A non-contact chip card (2) includes an individual switch (13) for entering rhythmic or Morse-like codes. The code entered is compared with a reference code stored in the chip card. If both agree, a chip card access rights circuit is activated to carry out a transaction or an exchange of the chip card's sensitive data with a reader-recorder unit (3).