Advanced method and arrangement for performing electronic payment transactions

• US 20020198849A1
• Filed: 06/10/2002
• Published: 12/26/2002
• Est. Priority Date: 08/28/2000
• Status: Active Grant

• Current Assignee: Beijing Xiaomi Mobile Software Co., Ltd. (Xiaomi Corp.)
• Original Assignee: Nokia Corporation
• Inventors: Piikivi, Lauri
• Granted Patent: US 7,533,065 B2
• Time in Patent Office: Days
• US Class Current: 705/76
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/3825 Use of electronic signatures
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

The invention relates to a method and arrangement for making electronic purchases. In the method according to the invention, a creditor (11) grants to a customer (10) a certificate provided with an electronic signature, and the customer stores said certificate in an electronic device (13). In connection with a purchase transaction, the customer produces the certificate to an automatic service or goods vending machine (14), which checks the certificate information. If the information is accepted, the desired purchase can be made, and the purchase information is saved in the memory of the vending machine (14). The separate purchase information stored in the vending machine memory is transferred in one batch to the data system (12) of the creditor organization (11), when a predetermined criterion is fulfilled.

Claims

1. A method for making a purchase and paying for it by means of an electronic device, in which method

a creditor grants credit to a customer and when granting the credit to the customer, the creditor gives to the customer an electronic certificate, which is stored in the electronic device of the customer,

the customer uses his electronic device in order to establish a connection with an automatic service or goods vending machine,

when making a purchase in the automatic service or goods vending machine the customer utilizes the electronic sertificate contained in his electronic device and the authenticity of the certificate is verified in the vending machine prior to delivering the goods or service,

whereafter the vending machine charges the creditor of the performed purchase.

2. A method according to claim 1 wherein the certificate granted by the creditor is signed electronically by the creditor'"'"'s personal, asymmetric encryption key in order to guarantee the authenticity of the certificate.

3. A method according to claim 2 wherein the certificate granted by the creditor comprises information included in a bankcard or a credit card granted to the customer.

4. A method according to claim 2 wherein in the vending machine there is used the creditor'"'"'s public, asymmetric encryption key for opening the electronic signature contained by the certificate.

5. A method according to claim 2 wherein the customer data contained by the certificate is encrypted by an asymmetric encryption key.

6. A method according to claim 2 wherein the customer data contained by the certificate is encrypted by a symmetric encryption key.

7. A method according to claim 1 wherein the certificate granted by the creditor is partly encrypted by a symmetrical encryption key formed on the basis of information known both to the creditor and to the vending machine and information that can be calculated from the data contained in the certificate.

8. A method according to claim 1 wherein the certificate granted by the creditor is completely encrypted by a symmetrical encryption key known both to the creditor and to the vending machine.

9. A method according to claim 1 wherein the certificate provided in electronic form is an application in the Java language, which application is after reception installed in the customer'"'"'s electronic device.

10. A method according to claim 1 wherein the use of the automatic service or goods vending machine comprises steps, where

the electronic device and the vending machine establish a radio path connection between them,

the vending machine sends an ID identification to the electronic device,

the electronic device sends a purchase document to the vending machine,

the vending machine checks the information of the purchase document in an offline mode,

the ordered goods or services are delivered to the customer and

the vending machine charges the creditor of the purchase made by the customer, when a predetermined criterion is fulfilled.

11. A method according to claim 10 wherein the ID identification comprises an encrypted time definition, an encrypted serial number of the electronic device and an encrypted random number.

12. A method according to claim 10 wherein the purchase document contains a purchase definition, the certificate and the ID identification.

13. A method according to claim 10 wherein the Bluetooth technique is employed in the data transmission between the electronic device and the vending machine.

14. A method according to claim 10 wherein the infrared technique is employed in the data transmission between the electronic device and the vending machine.

15. A method according to claim 10 wherein the messages to be transmitted are transmitted as messages according to the WAP protocol.

16. A method according to claim 10 wherein the messages to be transmitted are transmitted as messages according to the Obex protocol.

17. A method according to claim 10 wherein the messages to be transmitted are transmitted as messages according to the vCard protocol.

18. A method according to claim 10 wherein the messages to be transmitted are transmitted as messages according to the MIME protocol.

19. A method according to claim 1 wherein the electronic device is a cellular network terminal.

20. An arrangement for performing a purchase and respective payment by means of an electronic procedure, said arrangement comprising

an electronic device at the disposal of a customer,

an automatic service or goods vending machine and

a data system managed by the creditor, from which data system there can be established a data transmission connection both to the customer'"'"'s electronic device and to the automatic service and goods vending machine,

where the data system is further arranged to grant customer-specific certificates, which are arranged to be transmitted, by means of a wireless data transmission connection, to an electronic device at the customer'"'"'s disposal, from which device the certificate is, in order to make a purchase and pay for it, arranged to be produced in an electronic purchase document for the automatic service or goods vending machine in order to accept the purchase.

21. An arrangement according to claim 20 wherein the information of the performed purchases also is arranged to be stored in the memory of the automatic service or goods vending machine, until a predetermined criterion is fulfilled.

22. An arrangement according to claim 21 wherein when the predetermined criterion is fulfilled, the automatic service or goods vending machine is arranged to establish a data transmission connection to the data system of the creditor in order to transfer the purchase information to said data system for carrying out the respective payments.

23. An arrangement according to claim 20 wherein the data system of the creditor is arranged to exchange messages both with the automatic service or goods vending machine and with the electronic device as messages according to the WAP protocol.

24. An arrangement according to claim 20 wherein the data system of the creditor is arranged to exchange messages both with the automatic service or goods vending machine and with the electronic device as messages according to the xHTML protocol.

25. An arrangement according to claim 20 wherein the data transmission between the electronic device and the automatic service or goods vending machine is arranged to be carried out by utilizing the Bluetooth technique.

26. An arrangement according to claim 20 wherein the data transmission between the electronic device and the automatic service or goods vending machine is arranged to be carried out by utilizing the infrared technique.

27. An arrangement according to claim 20 wherein the certificate comprises the encrypted customer information and the electronic signature of the creditor.

28. An arrangement according to claim 27 wherein the customer information is signed by using a key of EMV payment key management.

29. An arrangement according to claim 20 wherein the purchase document comprises the purchase information, a transaction-specific ID-identification and a customer-specific certificate.

30. An arrangement according to claim 20 wherein the automatic service or goods vending machine comprises means for utilizing a Bluetooth-based data transmission connection, means for processing messages according to the WAP protocol and means for receiving and checking customer-specific certificates.

31. An arrangement according to claim 20 wherein the automatic service or goods vending machine comprises means for utilizing an infrared-based data transmission connection, means for processing messages according to the WAP protocol and means for receiving and checking customer-specific certificates.

32. An arrangement according to claim 20 wherein the automatic service or goods vending machine comprises means for utilizing a Bluetooth-based data transmission connection, means for processing messages according to the Obex protocol and means for receiving and checking customer-specific certificates.

33. An arrangement according to claim 20 wherein the automatic service or goods vending machine comprises means for utilizing an infrared-based data transmission connection, means for processing messages according to the Obex protocol and means for receiving and checking customer-specific certificates.

34. An arrangement according to claim 20 wherein the automatic service or goods vending machine comprises means for utilizing a Bluetooth-based data transmission connection, means for processing messages according to the xHTML protocol and means for receiving and checking customer-specific certificates.

35. An arrangement according to claim 20 wherein the automatic service or goods vending machine comprises means for utilizing an infrared-based data transmission connection, means for processing messages according to the xHTML protocol and means for receiving and checking customer-specific certificates.

37. An electronic device according to claim 36 which comprises a SIM card in order to save the information contained by the certificate.

38. An electronic device according to claim 36 which comprises a Bluetooth unit for establishing a data transmission connection between the electronic device and an automatic service or goods vending machine.

39. An electronic device according to claim 35 which comprises an infrared unit for establishing a data transmission connection between the electronic device and an automatic service or goods vending machine.

40. An electronic device according to claim 36 which also comprises means for receiving an ID identification sent by an automatic service or goods vending machine.

41. An electronic device according to claim 40 which also comprises means for sending a purchase document to the automatic service or goods vending machine in order to make a purchase and pay for it.

42. An electronic device according to claim 41 which comprises means for including the following information in the purchase document:

purchase information, the ID identification and the customer-specific certificate.

43. An electronic device according to claim 36 which is a terminal of a cellular network.

36. An electronic device operated in a wireless data transmission network, which electronic device comprises means for registering a certificate granted by a creditor and for using it as a verification of a payment connected to a purchase transaction.

44. A software application provided in a data system of a creditor which software application comprises:

means for receiving customer information,

means for encrypting customer information,

means for electronically signing customer information, and

means for transmitting signed customer information to an electronic device at the customer'"'"'s disposal in order to enable purchases by the customer.

46. A software application according to claim 45 which is arranged to be transmitted and stored in the electronic device as an application in the Java language in connection with granting the certificate.

48. A software application according one of the claims 44-47 stored in a data recording medium.

45. A software application provided in an electronic device at the disposal of a customer which software application comprises:

means for receiving a certificate granted by a creditor,

means for storing the received certificate in the electronic device,

means for receiving an ID identification sent by an automatic service and goods vending machine, and

means for integrating the certificate and the ID identification as part of a purchase document in order to make the purchase in the automatic service or goods vending machine.

47. A software application provided in an automatic service or goods vending machine, which software application comprises:

means for forming an ID identification,

means for sending the ID identification in one of the following ways;

the WAP protocol, the xHTML protocol, or the Obex protocol,

means for receiving a purchase document sent by an electronic device,

means for checking the ID identification contained in the purchase document,

means for verifying the authenticity of a certificate provided in the purchase document,

means for checking and saving purchase information and

means for transmitting the purchase information to a creditor when a predetermined criterion is fulfilled.