The distributed payment system and method for cashless payment, by means of a stock exchanges chip card

摘要

the present invention describes a distributed payment system for cashless pay with bu00f6rsenchipkarten over the network. the system comprises a client system, e.g., the client is installed, and a server system, for example, the handler is installed. client and server system through the network such as the internet, is connected.$a client system comprises a smart card reader, the related software, a client transaktionprogramm and preferably from a data processing system.the server system comprises a safety module, a chipkartenlesevorrichtung for the safety module, a server and a client transaktionprogramm surrogatprogramm, the substitute of the client system, and preferably from a data processing system.the main advantage of the distributed system is that of a central independent payment protocol between buyers and vendors as well as the sammelabrechnung between dealers and bu00f6rsenabrechnungsstelle for pay in the network at low cost can be used.by the use of standard components of the local payment terminals currently in use, can be a cost-effective implementation of both the node distributor (server system) as well as the nodes of the purchaser (client system). $a paying with an electronic compared with existing non cash payment systems a stock exchange has the advantage that no central...