Payment system
First Claim
1. An electronic transaction payment system comprising:
- a vendor terminal associated with a vendor who provides goods or services to a purchaser;
a vendor smart-card;
a vendor smart-card reader for transmitting data to and receiving data from said vendor smart-card;
a purchaser smart-card; and
a purchaser smart-card reader for transmitting data to and receiving data from said purchaser smart-card;
wherein said vendor terminal comprises;
(i) means for processing requests for vendor goods or services from said purchaser;
(ii) means for generating cost data identifying the cost of requested goods or services;
(iii) means for interfacing with said vendor smart-card reader;
(iv) means for interfacing with said purchaser smart-card reader; and
(v) means for transmitting the cost data to said purchaser smart-card via said purchaser smart-card reader interface;
wherein said purchaser smart-card comprises;
(i) means for receiving said cost data from said vendor terminal;
(ii) means for encrypting payment data to be transmitted to said vendor smart-card; and
(iii) means 25 for outputting the encrypted payment data for transmission to said vendor smart-card; and
wherein said vendor smart-card comprises;
(i) means for receiving said encrypted payment data from said purchaser smart-card; and
(ii) means for decrypting said encrypted payment data received from said purchaser smart-card to obtain payment for the requested goods or services.
2 Assignments
0 Petitions
Accused Products
Abstract
An electronic transaction payment system is provided having a vendor terminal associated with a vendor who provides goods or services to a purchaser, a vendor smart-card and a vendor smart-card reader for transmitting data to and receiving data from the vendor smart-card. The system also includes a purchaser smart-card reader which is connected to the vendor terminal and which is operable for transmitting data to and receiving data from a purchaser smart-card. In operation, payment for goods purchased by the purchaser is made between the purchaser smart-card and the vendor smart-card. In a preferred embodiment, the payment data is encrypted using an encryption key specific to the transaction between the purchaser and the vendor. A third party registry terminal may also be provided for providing validation of the vendor and/or the purchaser.
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Citations
48 Claims
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1. An electronic transaction payment system comprising:
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a vendor terminal associated with a vendor who provides goods or services to a purchaser;
a vendor smart-card;
a vendor smart-card reader for transmitting data to and receiving data from said vendor smart-card;
a purchaser smart-card; and
a purchaser smart-card reader for transmitting data to and receiving data from said purchaser smart-card;
wherein said vendor terminal comprises;
(i) means for processing requests for vendor goods or services from said purchaser;
(ii) means for generating cost data identifying the cost of requested goods or services;
(iii) means for interfacing with said vendor smart-card reader;
(iv) means for interfacing with said purchaser smart-card reader; and
(v) means for transmitting the cost data to said purchaser smart-card via said purchaser smart-card reader interface;
wherein said purchaser smart-card comprises;
(i) means for receiving said cost data from said vendor terminal;
(ii) means for encrypting payment data to be transmitted to said vendor smart-card; and
(iii) means 25 for outputting the encrypted payment data for transmission to said vendor smart-card; and
wherein said vendor smart-card comprises;
(i) means for receiving said encrypted payment data from said purchaser smart-card; and
(ii) means for decrypting said encrypted payment data received from said purchaser smart-card to obtain payment for the requested goods or services. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 31, 32, 33, 44, 45, 46, 47, 48)
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26. An electronic transaction payment system comprising:
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a vendor terminal associated with a vendor who provides goods or services to a purchaser;
a vendor smart-card;
a vendor smart-card reader for transmitting data to and receiving data from said vendor smart-card;
a purchaser smart-card; and
a purchaser smart-card reader for transmitting data to and receiving data from said purchaser smart-card;
wherein said vendor terminal comprises;
(i) means for processing requests for vendor goods or services from said purchaser;
(ii) means for generating cost data identifying the cost of requested goods or services;
(iii) means for interfacing with said vendor smart-card reader;
(iv) means for interfacing with said purchaser smart-card reader; and
(v) means for transmitting the cost data to said purchaser smart-card via said purchaser smart-card interface;
wherein said purchaser smart-card comprises;
(i) means for receiving said cost data from said vendor terminal;
(ii) means for digitally signing payment data to be transmitted to said vendor smart-card;
(iii) means for outputting the signed payment data for transmission to said vendor smart-card;
wherein said vendor smart-card comprises;
(i) means for receiving said signed payment data from said purchaser smart-card to obtain payment for the requested goods or services;
(ii) means for reading the digital signature applied to the payment data to establish the origin of the payment;
(iii) means for generating receipt data describing the goods or services and the payment obtained from said payment data;
(iv) means for digitally signing said receipt data; and
(v) means for outputting 10 the signed receipt data for transmission to said purchaser smart-card,wherein said purchaser smart-card further comprises;
(iv) means for receiving said signed receipt data; and
(v) means for reading the digital signature applied to the receipt data to establish the origin of the receipt.
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27. An electronic transaction payment system comprising:
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a vendor terminal associated with a vendor who provides goods or services to a purchaser;
a vendor smart-card;
a vendor smart-card reader for transmitting data to and receiving data from said vendor smart-card;
a purchaser smart-card; and
a purchaser smart-card reader for transmitting data to and receiving data from said purchaser smart-card;
wherein said vendor terminal comprises;
(i) means for processing requests for vendor goods or services from said purchaser;
(ii) means for generating cost data identifying the cost of requested goods or services;
(iii) means for interfacing with said vendor smart-card reader;
(iv) means for interfacing with said purchaser smart-card; and
(v) means for transmitting the cost data to said purchaser smart-card via said purchaser smart-card reader interface;
wherein said purchaser smart-card comprises;
(i) means for receiving said cost data from said vendor terminal;
(ii) means for generating a request for data describing the vendor; and
(iii) means for outputting the request for data describing the vendor for transmission 10 to said vendor smart-card;
wherein said vendor smart-card comprises;
(i) means for receiving said request for data describing the vendor from said purchaser smart-card;
(ii) means for generating data describing the vendor in accordance with said request; and
(iii) means for outputting the data describing the vendor for transmission to said purchaser smart-card;
wherein said purchaser smart-card further comprises;
(iv) means for receiving said data describing the vendor from said vendor smart-card;
(v) means for determining whether said data describing the vendor conforms to a predetermined condition;
(vi) means for, if said data describing the vendor conforms to said predetermined condition, generating payment data to be transmitted to said vendor smart-card; and
(vii) means for outputting the payment data for transmission to said vendor smart-card; and
wherein said vendor smart-card further comprises;
(iv) means for receiving said payment data from said purchaser smart-card to obtain payment for requested goods or services.
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28. An electronic transaction payment system comprising:
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a vendor terminal associated with a vendor who provides goods or services to a purchaser;
a vendor smart-card;
a vendor smart-card reader for transmitting data to and receiving data from said vendor smart-card;
a purchaser smart-card; and
a purchaser smart-card reader for transmitting data to and receiving data from said purchaser smart-card;
wherein said vendor terminal comprises;
(i) means for processing requests for vendor goods or services from said purchaser;
(ii) means for generating cost data identifying the cost of requested goods or services;
(iii) means for interfacing with said vendor smart-card reader;
(iv) means for interfacing with said purchaser smart-card reader; and
(v) means for transmitting the 20 cost data to said purchaser smart-card via said purchaser smart-card reader interface;
wherein said purchaser smart-card comprises;
(i) means for receiving said cost data from said vendor terminal;
wherein said vendor smart-card comprises;
(i) means for generating a request for data describing the purchaser; and
(ii) means for outputting the request for data describing the purchaser for transmission to said purchaser smart-card;
wherein said purchaser smart-card further comprises;
(ii) means for receiving said request for data describing the purchaser from said vendor smart-card;
(iii) means for generating data describing the purchaser in accordance with said request; and
(iv) means for outputting the data describing the purchaser for transmission to said vendor smart-card;
wherein said vendor smart-card further comprises;
(iii) means for receiving said data describing the 10 purchaser from said purchaser smart-card;
(iv) means for determining whether said data describing the purchaser conforms to a predetermined condition;
(v) means for, if said data describing the purchaser conforms to said 15 predetermined condition, generating acceptance data to be transmitted to said purchaser smart-card; and
(vi) means for outputting the acceptance data for transmission to the purchaser smart-card; and
wherein said purchaser smart-card further comprises;
(v) means for receiving said acceptance data from said vendor smart-card;
(vi) means for generating payment data to be transmitted to said vendor smart-card; and
(vii) means for outputting the payment data for transmission to said vendor smart-card; and
wherein said vendor smart-card further comprises;
(viii) means for receiving said payment data from said purchaser smart-card to obtain payment for the requested goods or services.
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29. An electronic transaction payment system comprising:
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a vendor terminal associated with a vendor who provides goods or services to a purchaser;
a vendor smart-card;
a vendor smart-card reader for transmitting data to and receiving data from said vendor smart-card;
a purchaser smart-card; and
a purchaser smart-card reader for transmitting data to and receiving data from said purchaser smart-card;
wherein said vendor terminal comprises;
(i) means for processing requests for vendor goods or services from said purchaser;
(ii) means for generating cost data identifying the cost of requested goods or services;
(iii) means for interfacing with said vendor smart-card 15 reader;
(iv) means for interfacing with said purchaser smart-card; and
(v) means for transmitting the cost data to said purchaser smart-card via said purchaser smart-card reader interface;
wherein said purchaser smart-card comprises;
(i) means for receiving said cost data from said vendor terminal;
(ii) means for generating a request for data describing the vendor; and
(iii) means for outputting the request for data describing the vendor for transmission to said vendor smart-card;
wherein said vendor smart-card comprises;
(i) means for receiving said request for data describing the vendor from said purchaser smart-card;
(ii) means for receiving data describing the vendor in accordance with said request; and
(iii) means for outputting the data describing the vendor for transmission to said purchaser smart-card;
wherein said purchaser smart-card further comprises;
(iv) means for receiving said data describing the vendor from said vendor smart-card;
(v) means for outputting said data describing said vendor to the purchaser;
(vi) means for receiving an indication whether or not said data describing the vendor is acceptable to the purchaser; and
(vii) means for, if said data describing the vendor is acceptable, causing payment data to be transmitted to said vendor smart-card; and
wherein said vendor smart-card further comprises;
(iv) means for receiving said payment data to obtain payment for the requested goods or services.
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30. An electronic transaction payment system comprising:
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a vendor terminal associated with a vendor who provides goods or services to a purchaser;
a vendor smart-card;
a vendor smart-card reader for transmitting data to and receiving data from said vendor smart-card;
a purchaser smart-card; and
a purchaser smart-card reader for transmitting data to and receiving data from said purchaser smart-card;
wherein said vendor terminal comprises;
(i) means for processing requests for vendor goods or services from said purchaser;
(ii) means for generating cost data identifying the cost of requested goods or services;
(iii) means for interfacing with said vendor smart-card reader;
(iv) means for interfacing with said purchaser smart-card reader; and
(v) means for transmitting the cost data to said purchaser smart-card via said purchaser smart-card reader interface;
wherein said purchaser smart-card comprises;
(i) means for receiving said cost data from said vendor terminal;
wherein said vendor smart-card comprises;
(i) means for generating a request for data describing the purchaser; and
(ii) means for outputting the request for data describing the purchaser for transmission to said purchaser smart-card;
wherein said purchaser smart-card further comprises;
(ii) means for receiving said request for data describing the purchaser from said vendor smart-card;
(iii) means for receiving data describing the purchaser in accordance with said request; and
(iv) means for outputting the data describing the purchaser for transmission to said vendor smart-card;
wherein said vendor smart-card further comprises;
(iii) means for receiving said data describing the purchaser from said purchaser smart-card;
(iv) means for outputting said data describing the purchaser to the vendor;
(v) means for receiving an indication whether or not said data describing the purchaser is acceptable to the vendor;
(vi) means for, if said data describing the purchaser is acceptable, generating acceptance data to be transmitted to said purchaser smart-card; and
(vii) means for outputting the acceptance data for transmission to the purchaser smart-card; and
wherein said purchaser smart-card further comprises;
(v) means for receiving said acceptance data from said vendor smart-card;
(vi) means for generating payment data to be transmitted to said vendor smart-card; and
(vii) means for outputting the payment data for transmission to said vendor smart-card; and
wherein said vendor smart-card further comprises;
(viii) means for receiving said payment data from said purchaser smart-card to obtain payment for the requested goods or services.
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34. A smart-card comprises:
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means for interfacing with a card reader;
means for receiving details of a new transaction from an external terminal via said interfacing means and said card reader;
means for generating a unique session ID for the new transaction;
means for storing the generated session ID;
means for receiving message data relating to the new transaction from the external terminal via said card reader and said interfacing means;
means for tagging the received message data by appending the stored session ID to the message data; and
means for outputting the tagged message data to said external terminal via said interface means and said card reader. - View Dependent Claims (35, 36, 37, 38, 39, 40)
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41. A smart-card comprising:
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means for interfacing with a card reader;
a card controller operable for receiving instructions from an external terminal via said interface means and said card reader;
means for storing electronic money;
means for storing account data relating to a remote account;
wherein said card controller is operable to either output electronic money from said money store or to output account details from said account storing means in dependence upon instructions received from an external terminal via said interfacing means and said card reader. - View Dependent Claims (42)
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43. An electronic transaction system comprising a vendor 15 terminal, a purchaser terminal and a third party registry for providing validation of a purchaser associated with the purchaser terminal and/or validation of a vendor associated with the vendor terminal.
Specification