Patent ID: 6845367

Claim:
Method for cashless payments with at least the following components: a) a dealer terminal with a dealer payment application for processing a cashless payment; b) a dealer security module or dealer chipcard; c) a reader for reading a customer chipcard or mobile security module; and d) at least one customer chipcard or mobile security module with a file structure containing at least one record for storing payment information, said method comprising: aa) initiating payment request by following steps: Reading of customer identification information which are stored in said customer chipcard or mobile security module by said reader and sending them to said dealer terminal; execution of an authentification protocol for authentificating said customer chipcard or mobile security module based on said customer identification; reading of customer information stored in a record (record information) of a file in said customer chipcard or mobile security module by said reader; sending of said record information including authentification protocol information from said reader to said dealer terminal; and examining the validity of said record information by said authentification protocol information by means of chipcard instruction “CheckLastRecord” in said dealer chipcard; bb) beginning payment request by: creating of an update instruction for writing a new record in said file of said chipcard or mobile security by means of chipcard instruction “CreateUpdateCommand” by said dealer chipcard; and sending of said update instruction including authentification protocol information to said reader; cc) beginning payment response by: sending of said update instruction to said customer chipcard or mobile security module by said reader; and examining the validity of said update instruction by using said authentification protocol information, and if successful, executing of said update instruction by overwriting of said record or by creating a new last record (new record information) into said customer chipcard or said mobile security module; and dd) finishing of payment by: sending of said new record information including authentification protocol information to said dealer terminal; and examining of the validity of said new record information by using said attached authentification protocol information by means of “CheckLastRecord command”.