METHOD AND APPARATUS FOR SECURE PURCHASE AND BANKING TRANSACTIONS
First Claim
1. A method for performing secure transactions, comprising:
- receiving an electronic purchase order from a merchant, the electronic purchase order including a signature of the merchant;
inputting the electronic purchase order to a securely configured program in response to receiving the electronic purchase order, the securely configured program being adapted to include a purchaser'"'"'s secure information in the electronic purchase order to generated a completed secure purchase order; and
transmitting the completed secure purchase order to the merchant.
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Accused Products
Abstract
A system and method for processing a purchase transaction or banking transaction whereby a customer at a point of sale (POS) or automatic teller machine (ATM) can use a securely configured program to sign a purchase order issued by a sales assistant or a withdrawal form issued by an ATM. The purchase order or withdrawal form can then be passed to the customer'"'"'s bank where the transaction is either cleared or denied. The customer can use a wireless handheld device to perform portions of the transaction such as, receiving the purchase order from the POS, signing the purchase order, accessing a key sentry and transmitting the purchase order back to the POS, and receiving a receipt from the POS.
19 Citations
17 Claims
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1. A method for performing secure transactions, comprising:
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receiving an electronic purchase order from a merchant, the electronic purchase order including a signature of the merchant;
inputting the electronic purchase order to a securely configured program in response to receiving the electronic purchase order, the securely configured program being adapted to include a purchaser'"'"'s secure information in the electronic purchase order to generated a completed secure purchase order; and
transmitting the completed secure purchase order to the merchant. - View Dependent Claims (2, 3)
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4. A method for processing a secure transaction comprising:
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preparing a purchase order including a list of purchased items or services and a merchant'"'"'s electronic signature;
electronically transmitting the purchase order to a purchaser; and
receiving a completed electronic purchase order from the purchaser, the completed electronic purchase order including purchaser'"'"'s secure information encoded therein by a purchaser'"'"'s securely configured program. - View Dependent Claims (5, 6, 7, 8)
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9. An electronic commerce system comprising:
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a merchant'"'"'s computer;
a purchaser'"'"'s computer in communication with the merchant'"'"'s computer;
a bank computer in communication with the merchant'"'"'s computer; and
a securely configured program executing on the purchaser'"'"'s computer to receive an electronic purchase order from the merchants computer, encode purchaser'"'"'s secure information to the electronic purchase order to generate a completed secure purchase order, and transmit the completed secure purchase order to the merchant'"'"' computer. - View Dependent Claims (10, 11, 12, 13)
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14. A computer readable media including computer readable program instructions executable on merchant'"'"'s computer for performing the steps of:
preparing a purchase order including a list of purchased items or services and a merchant'"'"'s electronic signature;
electronically transmitting the purchase order to a purchaser; and
receiving a completed electronic purchase order from the purchaser, the completed electronic purchase order including purchaser'"'"'s secure information encoded therein by a user'"'"'s securely configured program.
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15. A computer readable media including computer readable program instructions executable on purchaser'"'"'s computer for performing the steps of:
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receiving an electronic purchase order from a merchant, the electronic purchase order including a signature of the merchant;
inputting the electronic purchase order to a securely configured program in response to receiving the electronic purchase order, the securely configured program being adapted to include the purchasers secure information in the electronic purchase order to generated a completed secure purchase order; and
transmitting the completed secure purchase order to the merchant.
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16. A method for performing secure transactions, comprising:
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receiving an electronic transaction slip from a bank, the electronic transaction slip including a signature of the bank;
inputting the electronic transaction slip to a securely configured program in response to receiving the electronic transaction slip, the securely configured program being adapted to include a customer'"'"'s secure information in the electronic banking slip to generated a completed secure banking slip; and
transmitting the completed secure banking slip to the bank. - View Dependent Claims (17)
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Specification