APPARATUS AND METHOD FOR INTEGRATED PAYMENT AND ELECTRONIC MERCHANDISE TRANSFER
First Claim
1. A computer-implemented method for integrated payment and electronic merchandise transfer via:
- (i) a payment infrastructure, configured in accordance with a payment specification, in association with (ii) an electronic merchandise infrastructure, comprising the steps of;
facilitating interrogation of an electronic device by a first terminal to obtain an account number associated with said electronic device, said electronic device being configured according to the payment specification, said first terminal having a first terminal payment module configured according to the payment specification and a first terminal electronic merchandise module configured according to the electronic merchandise infrastructure and coupled to said first terminal payment module to permit transfer of non-payment e-merchandise related information from said first terminal electronic merchandise module to said first terminal payment module, said interrogation of said electronic device being performed by said first terminal payment module;
facilitating generation of said non-payment e-merchandise related information by said first terminal electronic merchandise module; and
facilitating transfer of said non-payment e-merchandise related information from said first terminal electronic merchandise module to said electronic device via said first terminal payment module, within a transaction between said electronic device and said first terminal payment module that is conducted in accordance with said account number and said payment specification, said non-payment e-merchandise related information being stored on said electronic device in accordance with said payment specification.
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Accused Products
Abstract
Payment transactions using a payment infrastructure are efficiently combined with e-merchandise transactions using an e-merchandise infrastructure, while allowing each infrastructure to concentrate on its primary function. An electronic payment device configured according to the payment infrastructure is interrogated by a payment module (also configured according to the payment infrastructure) of a first terminal to obtain financial data. Electronic merchandise-related information is generated by an electronic merchandise module (configured according to the electronic merchandise infrastructure) of the first terminal, and such information is transferred to the electronic payment device within a transaction conducted in accordance with the financial data and the payment infrastructure.
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Citations
34 Claims
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1. A computer-implemented method for integrated payment and electronic merchandise transfer via:
- (i) a payment infrastructure, configured in accordance with a payment specification, in association with (ii) an electronic merchandise infrastructure, comprising the steps of;
facilitating interrogation of an electronic device by a first terminal to obtain an account number associated with said electronic device, said electronic device being configured according to the payment specification, said first terminal having a first terminal payment module configured according to the payment specification and a first terminal electronic merchandise module configured according to the electronic merchandise infrastructure and coupled to said first terminal payment module to permit transfer of non-payment e-merchandise related information from said first terminal electronic merchandise module to said first terminal payment module, said interrogation of said electronic device being performed by said first terminal payment module; facilitating generation of said non-payment e-merchandise related information by said first terminal electronic merchandise module; and facilitating transfer of said non-payment e-merchandise related information from said first terminal electronic merchandise module to said electronic device via said first terminal payment module, within a transaction between said electronic device and said first terminal payment module that is conducted in accordance with said account number and said payment specification, said non-payment e-merchandise related information being stored on said electronic device in accordance with said payment specification. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 34)
- (i) a payment infrastructure, configured in accordance with a payment specification, in association with (ii) an electronic merchandise infrastructure, comprising the steps of;
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21. A terminal for integrated payment and electronic merchandise transfer via:
- (i) a payment infrastructure, configured in accordance with a payment specification, in association with (ii) an electronic merchandise infrastructure and in conjunction with an electronic device configured according to the payment specification, said terminal comprising;
a payment module configured according to the payment specification and configured to interrogate the electronic device to obtain an account number associated with said electronic device; and an electronic merchandise module configured according to the electronic merchandise infrastructure and coupled to said payment module to permit transfer of non-payment e-merchandise related information from said electronic merchandise module to said payment module, said electronic merchandise module being configured to facilitate processing of said non-payment e-merchandise related information; wherein said payment module is further configured to facilitate transfer of said non-payment e-merchandise related information to the electronic device, in a transaction between the electronic device and said module that is conducted in accordance with said account number and said payment specification, said non-payment related e-merchandise related information being stored on said electronic device in accordance with said payment specification. - View Dependent Claims (22, 23, 24, 25)
- (i) a payment infrastructure, configured in accordance with a payment specification, in association with (ii) an electronic merchandise infrastructure and in conjunction with an electronic device configured according to the payment specification, said terminal comprising;
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26. A computer program product comprising a computer useable medium including computer usable program code for integrated payment and electronic merchandise transfer via:
- (i) a payment infrastructure, configured in accordance with a payment specification, in association with (ii) an electronic merchandise infrastructure, said computer program product including;
computer usable program code for facilitating interrogation of an electronic device by a first terminal to obtain an account number associated with said electronic device, said electronic device being configured according to the payment specification, said first terminal having a first terminal payment module configured according to the payment specification and a first terminal electronic merchandise module configured according to the electronic merchandise infrastructure and coupled to said first terminal payment module to permit transfer of non-payment e-merchandise related information from said first terminal electronic merchandise module to said first terminal payment module, said interrogation of said electronic device being performed by said first terminal payment module; computer usable program code for facilitating generation of non-payment e-merchandise related information by said first terminal electronic merchandise module; and computer usable program code for facilitating transfer of said non-payment e-merchandise related information from said first terminal electronic merchandise module to said electronic device via said first terminal payment module, within a transaction between said electronic device and said first terminal payment module that is conducted in accordance with said account number and said payment specification, said non-payment e-merchandise related information being stored on said electronic device in accordance with said payment specification. - View Dependent Claims (27, 28)
- (i) a payment infrastructure, configured in accordance with a payment specification, in association with (ii) an electronic merchandise infrastructure, said computer program product including;
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29. An electronic device for facilitating integrated payment and electronic merchandise transfer via:
- (i) a payment infrastructure, configured in accordance with a payment specification, in association with (ii) an electronic merchandise infrastructure, said electronic device being configured according to the payment specification, said electronic device comprising;
a memory; and at least one processor coupled to said memory, said processor being operative to; facilitate interrogation of said electronic device by a first terminal to obtain an account number associated with said electronic device, said first terminal having a first terminal payment module configured according to the payment specification and a first terminal electronic merchandise module configured according to the electronic merchandise infrastructure and coupled to said first terminal payment module to permit transfer of non-payment e-merchandise related information from said first terminal electronic merchandise module to said first terminal payment module, said interrogation of said electronic device being performed by said first terminal payment module; facilitate generation of said non-payment e-merchandise related information by said first terminal electronic merchandise module; and facilitate transfer of said non-payment e-merchandise related information from said first terminal electronic merchandise module to said electronic device via said first terminal payment module, within a transaction between said electronic device and said first terminal payment module that is conducted in accordance with said account number and said payment specification, said non-payment e-merchandise related information being stored on said electronic device in accordance with said payment specification. - View Dependent Claims (30, 31, 32, 33)
- (i) a payment infrastructure, configured in accordance with a payment specification, in association with (ii) an electronic merchandise infrastructure, said electronic device being configured according to the payment specification, said electronic device comprising;
Specification