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Distributed payment and loyalty processing for retail and vending

  • US 20030191709A1
  • Filed: 04/03/2002
  • Published: 10/09/2003
  • Est. Priority Date: 04/03/2002
  • Status: Abandoned Application
First Claim
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1. A method for providing offline payment and loyalty capability in which the customer account information is stored in a nonvolatile memory on a terminal at one or more merchant locations and comprising:

  • one or more secure servers or host systems, a data network connecting the one or more servers to the one or more terminals, a customer account identifier, shared secret information used of customer account security, and customer account information is referenced in the nonvolatile memory by a cryptographic hash of a customer account identifier, optional other security codes, and some shared secret information.

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