APPARATUS AND METHOD FOR INTEGRATED PAYMENT AND ELECTRONIC MERCHANDISE TRANSFER
First Claim
1. A 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;
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 payment specification, said non-payment e-merchandise related information being stored on said electronic device in accordance with said payment specification;
facilitating said electronic device and said first terminal independently calculating a summary data item; and
facilitating said first terminal calculating a first message authentication code based on said non-payment e-merchandise related information and a terminal-calculated value of said summary data item;
wherein said non-payment e-merchandise related information is stored on said electronic device together with an electronic device-calculated value of said summary data item and said first message authentication code.
1 Assignment
0 Petitions
Accused Products
Abstract
Interrogation of an electronic device by a first terminal is facilitated, to obtain an account number associated with the electronic device. The electronic device is configured according to a payment specification. The first terminal has 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 the first terminal payment module to permit transfer of non-payment e-merchandise related information from the first terminal electronic merchandise module to the first terminal payment module. The interrogation of the electronic device is performed by the first terminal payment module. Generation of non-payment e-merchandise related information by the first terminal electronic merchandise module is facilitated. Transfer of the non-payment e-merchandise related information from the first terminal electronic merchandise module to the electronic device via the first terminal payment module, within a transaction between the electronic device and the first terminal payment module that is conducted in accordance with the payment specification, is also facilitated. The non-payment e-merchandise related information is stored on the electronic device in accordance with the payment specification. The electronic device and the first terminal independently calculate a summary data item. The first terminal calculates a first message authentication code based on the non-payment e-merchandise related information and a terminal-calculated value of the summary data item. The non-payment e-merchandise related information is stored on the electronic device together with an electronic device-calculated value of the summary data item and the first message authentication code.
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Citations
22 Claims
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1. A 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; 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 payment specification, said non-payment e-merchandise related information being stored on said electronic device in accordance with said payment specification; facilitating said electronic device and said first terminal independently calculating a summary data item; and facilitating said first terminal calculating a first message authentication code based on said non-payment e-merchandise related information and a terminal-calculated value of said summary data item; wherein said non-payment e-merchandise related information is stored on said electronic device together with an electronic device-calculated value of said summary data item and said first message authentication code. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
- (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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14. A 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; 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 payment specification, said non-payment e-merchandise related information being stored on said electronic device in accordance with said payment specification; facilitating interrogation of said electronic device by said first terminal to obtain; at least one of a transaction counter and an electronic device-generated random number; and at least one of said account number and a device identity of said electronic device; facilitating calculation of an authentication code based on said e-merchandise related information, said at least one of said transaction counter and said electronic device-generated random number, and said at least one of said account number and said device identity of said electronic device; and facilitating detection of irregularity via said authentication code.
- (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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15. 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 payment module that is conducted in accordance with said payment specification, said non-payment related e-merchandise related information being stored on said electronic device in accordance with said payment specification; and wherein said payment module and said electronic merchandise module are cooperatively configured to; facilitate said electronic device and said first terminal independently calculating a summary data item; and facilitate said first terminal calculating a first message authentication code based on said non-payment e-merchandise related information and a terminal-calculated value of said summary data item; wherein said non-payment e-merchandise related information is stored on said electronic device together with a electronic device-calculated value of said summary data item and said first message authentication code. - View Dependent Claims (16, 17)
- (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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18. 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; 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 payment specification, said non-payment e-merchandise related information being stored on said electronic device in accordance with said payment specification; facilitate said electronic device and said first terminal independently calculating a summary data item; and facilitate said first terminal calculating a first message authentication code based on said non-payment e-merchandise related information and a terminal-calculated value of said summary data item; wherein said non-payment e-merchandise related information is stored on said electronic device together with a electronic device-calculated value of said summary data item and said first message authentication code. - View Dependent Claims (19, 20)
- (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;
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21. A computer program product comprising a tangible computer readable recordable storage 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; 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 said payment specification, said non-payment e-merchandise related information being stored on said electronic device in accordance with said payment specification; computer usable program code for facilitating said electronic device and said first terminal independently calculating a summary data item; and computer usable program code for facilitating said first terminal calculating a first message authentication code based on said non-payment e-merchandise related information and a terminal-calculated value of said summary data item; wherein said non-payment e-merchandise related information is stored on said electronic device together with a electronic device-calculated value of said summary data item and said first message authentication code.
- (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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22. A system 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;
means 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; means for facilitating generation of said non-payment e-merchandise related information by said first terminal electronic merchandise module; means 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 payment specification, said non-payment e-merchandise related information being stored on said electronic device in accordance with said payment specification; means for facilitating said electronic device and said first terminal independently calculating a summary data item; and means for facilitating said first terminal calculating a first message authentication code based on said non-payment e-merchandise related information and a terminal-calculated value of said summary data item; wherein said non-payment e-merchandise related information is stored on said electronic device together with a electronic device-calculated value of said summary data item and said first message authentication code.
- (i) a payment infrastructure, configured in accordance with a payment specification, in association with (ii) an electronic merchandise infrastructure, comprising;
Specification