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1. 发明授权

US06845367B2 Process and device for internet payments by means of security modules 有权
标题翻译：通过安全模块进行互联网支付的流程和设备
公开(公告)号：US06845367B2
公开(公告)日：2005-01-18
申请号：US09745984
申请日：2000-12-21
申请人： Peter Bendel , Horst Henn , Thomas Schaeck , Roland Weber
发明人： Peter Bendel , Horst Henn , Thomas Schaeck , Roland Weber
IPC分类号： G06Q20/00 , G07F7/08 , G06F17/60
CPC分类号： G07F7/0866 , G06Q20/00 , G06Q20/12 , G06Q20/20 , G06Q20/28 , G06Q20/363 , G06Q20/367 , G06Q20/3674 , G06Q20/382 , G06Q20/40
摘要： The present invention describes a device and a method for performing cashless payments between a customer and a dealer. The advantages of the present invention lie in that payments can be performed over the Internet without implementing special payments commands stored in the customer chip card. It is sufficient to use a normal chipcard with a file structure. Such a file structure can be used in different file system cards and does not depend on the chipcard's operating system. Therefore, the inventive method can be used in a variety of chipcards without implementing special payments commands. The protocol is designed such that per payment only three steps of communication are required.
摘要翻译：本发明描述了一种用于在客户和经销商之间执行无现金支付的设备和方法。本发明的优点在于，可以通过因特网执行支付，而不需要实施存储在客户芯片卡中的特殊支付命令。使用具有文件结构的普通芯片卡就足够了。这样的文件结构可以在不同的文件系统卡中使用，而不依赖于芯片卡的操作系统。因此，本发明的方法可以用于各种芯片卡，而不需要执行特殊的支付命令。该协议的设计使得每次付款只需要三个通信步骤。

2. 发明授权

US06829597B1 Method, apparatus and computer program product for processing cashless payments 失效
标题翻译：用于处理无现金支付的方法，设备和计算机程序产品
公开(公告)号：US06829597B1
公开(公告)日：2004-12-07
申请号：US09638745
申请日：2000-08-14
申请人： Thomas Schaeck , Roland Weber , Horst Henn
发明人： Thomas Schaeck , Roland Weber , Horst Henn
IPC分类号： G06F1760
CPC分类号： G07F7/1008 , G06Q20/04 , G06Q20/10 , G06Q20/12 , G06Q20/341 , G06Q20/367 , G06Q20/3674 , G06Q20/382 , G06Q20/3821 , G06Q20/3825 , G06Q20/40 , G06Q20/401 , G06Q20/40975 , G06Q30/0613 , G07F7/082
摘要： A computer program product and programmed method for performing cashless payments between a customer and a dealer via a bank. The invention is embodied in an on-line computerized 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. In another embodiment, the information is gathered and the voucher and payment instructions are generated off-line. A subsequent on-line process between the dealer and bank transfer the signed payment instruction and signed voucher to the bank where computer coded checks the dealer and customer signature, checks the allocation between payment instruction and voucher, replaces the dealer and customer identity data with information for performance of the payment instruction, and performs the payment instruction and stores the voucher. An advantage of the process is that no sensitive customer data such as account number, credit card number etc. is stored on the customer card and hence misuse by unauthorized persons is minimized. In addition the process serves to define the payment methods required by the customer for mechanical processing and to minimize the risk to the customer upon loss of the customer card. The process 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 either a card with contacts or a contactless card.
摘要翻译：一种用于通过银行在客户和经销商之间执行无现金支付的计算机程序产品和编程方法。本发明体现在客户和经销商之间的在线计算机化过程，以定义支付方式，检查可用性框架，发行凭证来描述交易，发行支付指令，经销商签发已签发的凭单和签名经销商和客户的付款指示。在另一个实施例中，收集信息并且离线生成凭单和支付指令。经销商和银行之间的随后的在线流程将签署的付款指示和签署的凭单转交给计算机编码检查经销商和客户签名的银行，检查付款指示和凭单之间的分配，将经销商和客户身份数据替换为信息用于执行支付指令，并执行支付指令并存储凭单。该过程的优点在于，客户卡上不存储帐号，信用卡号等敏感客户数据，从而将未经授权的人误用最小化。此外，该过程用于定义客户机械处理所需的支付方式，并在客户卡丢失时最小化客户的风险。该过程还允许没有银行帐户的客户（例如，儿童）能够访问电子支付手段，可用性有限。客户卡可以是具有联系人的卡片或非接触式卡片。

3. 发明授权

US06859879B2 Method and system for secure pervasive access 有权
标题翻译：安全普遍访问的方法和系统
公开(公告)号：US06859879B2
公开(公告)日：2005-02-22
申请号：US09810354
申请日：2001-03-16
申请人： Horst Henn , Dirk Herrendoerfer , Thomas Schaeck , Roland Weber
发明人： Horst Henn , Dirk Herrendoerfer , Thomas Schaeck , Roland Weber
IPC分类号： H04L29/06 , H04L29/08 , G06F17/00
CPC分类号： H04L63/08 , H04L29/06 , H04L63/20 , H04L67/2804 , H04L67/2823 , H04L69/329
摘要： The present invention relates to a client-server system having a security system for controlling access to application functions. The security system separated from the clients and the application functions routes all incoming requests created by various PVC-devices to a centralized security system providing an authentication component and a security component. The authentication component provides several authentication mechanisms which may be selected by information contained in the client's request. The authentication mechanism may be changed or extended without changing conditions on the client as well on the server or application side. The security component provides a security policy describing security requirements for accessing application functions which may be invoked by the security component. If the selected authentication mechanism succeeds and fulfills the security policy associated to that application function then the application function will be invoked by the security component.
摘要翻译：本发明涉及具有用于控制对应用功能的访问的安全系统的客户机 - 服务器系统。与客户端分离的安全系统和应用功能将由各种PVC设备创建的所有传入请求路由到提供认证组件和安全组件的集中式安全系统。认证组件提供可以由客户端请求中包含的信息选择的几种认证机制。认证机制可以在客户端以及服务器或应用侧也不改变条件的情况下进行更改或扩展。该安全组件提供了一个描述安全性要求的安全策略，用于访问可能由安全组件调用的应用程序功能。如果所选择的认证机制成功并且满足与该应用功能相关联的安全策略，那么应用功能将被安全组件调用。

4. 发明申请

US20050015293A1 Collaboration enhanced workflow system 审中-公开
标题翻译：协作增强工作流系统
公开(公告)号：US20050015293A1
公开(公告)日：2005-01-20
申请号：US10620632
申请日：2003-07-16
申请人： Horst Henn , Matthias Kloppmann , Frank Leymann , Yoelle Maarek , Michael Rodeh , Juergen Schaeck , Thomas Schaeck , Dafna Sheinwald
发明人： Horst Henn , Matthias Kloppmann , Frank Leymann , Yoelle Maarek , Michael Rodeh , Juergen Schaeck , Thomas Schaeck , Dafna Sheinwald
IPC分类号： G06Q10/00 , G06F17/60
CPC分类号： G06Q10/10 , G06Q10/06311
摘要： A collaboration enhanced workflow system includes an interface unit at least to provide an interface to a workflow system for performing a selected workflow and an interface to a collaboration system within which the actors of the current instance of the selected workflow can collaborate.
摘要翻译：协作增强的工作流系统包括接口单元，至少为工作流系统提供用于执行所选工作流的接口以及与协作系统的接口，在该系统中，所选工作流的当前实例的角色可以协作。

5. 发明授权

US5770844A Supervision of transactions with chip cards 失效
标题翻译：监控与芯片卡的交易
公开(公告)号：US5770844A
公开(公告)日：1998-06-23
申请号：US736888
申请日：1996-10-25
申请人： Horst Henn
发明人： Horst Henn
IPC分类号： G07F7/10 , G06K5/00
CPC分类号： G07F7/1008 , G06Q20/341 , G06Q20/4093 , G07F7/082
摘要： A transaction audit system is disclosed comprising a chip card, for completing a transaction between the holder of the chip card and a transaction partner such as a merchant. During the transaction, a transaction identifier is generated uniquely identifying the transaction. For completing execution of the transaction by posting of the payment amount to the merchants account, the chip card transmits a transaction receiver data record comprising the transaction identifier, and further data, if required, to a third party. To allow auditing the transaction settlement posting accuracy, the transaction provider also transmits a transaction provider data record comprising the corresponding transaction identifier to the third party. The third party is then able compare the receiver data record and the provider data record and identify possible irregularities, such as possible errors or manipulations in the transaction system, or intentional or non-intentional manipulation by the participants to the transaction, particularly the transaction receiver. The transaction identifier identifies both the transaction receiver data record and the transaction provider data record as being data records belonging to the same transaction.
摘要翻译：公开了一种交易审计系统，其包括芯片卡，用于完成芯片卡的持有人和诸如商家的交易伙伴之间的交易。在事务期间，生成唯一标识事务的事务标识符。为了通过将付款金额发布到商户帐户来完成交易的执行，芯片卡将包括交易标识符的交易接收者数据记录以及如果需要的另外的数据发送给第三方。为了允许审计交易结算发布准确性，交易提供者还向第三方发送包括相应交易标识符的交易提供者数据记录。然后，第三方可以将接收器数据记录和提供者数据记录进行比较，并且识别可能的不规则性，例如交易系统中的可能的错误或操纵，或参与者对交易的有意或非有意的操纵，特别是事务接收器。事务标识符将事务接收器数据记录和事务提供者数据记录同时标识为属于同一事务的数据记录。

6. 发明授权

US07490062B2 Method of payment by means of an electronic communication device 有权
标题翻译：借助电子通讯装置支付的方式
公开(公告)号：US07490062B2
公开(公告)日：2009-02-10
申请号：US09752959
申请日：2001-01-02
申请人： Uwe Hansmann , Horst Henn , Lothar Merk , Thomas Stober
发明人： Uwe Hansmann , Horst Henn , Lothar Merk , Thomas Stober
IPC分类号： G06Q40/00 , H04M11/00
CPC分类号： G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/12 , G06Q20/32 , G06Q20/3229 , G06Q20/425 , G06Q30/0601
摘要： 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.
摘要翻译：一种用于通过使用所述蜂窝标准通信设备的客户与提供商品和/或服务的提供商之间的蜂窝标准通信执行的采购操作中的支付方法，系统和程序，其中执行所述客户与所述提供商之间的通信通过所述通信设备的语音信道和从所述提供商到所述客户的电子账单的传输，从所述客户到支付提供商的汇款订单以及从所述支付提供商到所述客户的付款接收通过蜂窝标准网络的业务信道。

7. 发明授权

US06965988B1 Method and apparatus for the user-defined loading and running of applications by means of a token 失效
标题翻译：用户通过令牌加载和运行应用程序的方法和装置
公开(公告)号：US06965988B1
公开(公告)日：2005-11-15
申请号：US09602261
申请日：2000-06-23
申请人： Uwe Hansmann , Horst Henn , Lothar Merk , Thomas Stober
发明人： Uwe Hansmann , Horst Henn , Lothar Merk , Thomas Stober
IPC分类号： G06F21/34 , G06K19/07 , G06K19/073 , G07F7/10 , G06F15/177
CPC分类号： G07F7/1008 , G06F21/34 , G06F2221/2149 , G06K19/07 , G06K19/0719 , G06K19/07762 , G06Q20/3552
摘要： A method and apparatus for the user-defining, configuring and starting of an application or software components to form an application by means of a token and in particular a chip card. Via the service identifiers stored in the chip card which represent applications or software components to form applications, the chip card user can install the desired application. The card agent accepts the request for an application, checks the register to see if the application is present and if it is not, makes a connection to communicate with the server in order to download the application to the user system.
摘要翻译：用于用户定义，配置和启动应用或软件组件以通过令牌形成应用的方法和装置，特别是芯片卡。通过存储在芯片卡中的代表应用程序或软件组件的服务标识符来形成应用程序，芯片卡用户可以安装所需的应用程序。卡代理接受申请的请求，检查寄存器以查看应用是否存在，如果不存在，则进行与服务器通信的连接，以将应用下载到用户系统。

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