METHOD OF GENERATING AND VALIDATING A VOUCHER THAT IS USED TO ENABLE AN END-USER TO OBTAIN GOODS OR SERVICES

• US 20150371228A1
• Filed: 01/20/2014
• Published: 12/24/2015
• Est. Priority Date: 01/18/2013
• Status: Abandoned Application

• Current Assignee: Corethree Limited (Constellation Software Incorporated)
• Original Assignee: Corethree Limited (Constellation Software Incorporated)
• Inventors: KERSHAW, Richard, SMITH, Michael, MURDOCH, James
• Application Number:
  US14/761,437
• Publication Number:
  US 20150371228A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/0425 the cheque being electronic only
• CPC Class Codes: G06Q 20/0457 the tickets being sent electronically
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/3274 using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/3823 combining multiple encryption tools for a transaction
• CPC Class Codes: G06Q 20/3825 Use of electronic signatures
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 2220/12 Usage or charge determination
• CPC Class Codes: G06Q 30/0225 Avoiding frauds
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: H04L 2209/24 Key scheduling, i.e. generating round keys or sub-keys for block encryption
• CPC Class Codes: H04L 9/14 using a plurality of keys or algorithms

Abstract

A method of generating and validating a voucher to enable an end-user to obtain goods or services, comprising: (a) generating or acquiring contextual data that describes the goods or services and then encrypting that contextual data at a server or other device; (b) generating a time code corresponding to a span of time during which the voucher is valid and including or concatenating that time code with the contextual data; (c) signing the contextual data and time code cryptographically using either a symmetric or asymmetric secret key or keys to generate a signature; (d) providing the contextual data and time code and/or the signature on a voucher; (e) validating the voucher offline at a validating system, without having on-line access by means of comparing the signature in a process using a locally stored key shared with the server or other device that encrypted the contextual data.

Claims

1. A method of generating and validating a voucher that is used to enable an end-user to obtain goods or services;

comprising the steps of;

a) generating or acquiring contextual data that describes the goods or services and then encrypting that contextual data at a server or other device;

b) generating a time code corresponding to or representing a span of time during which the voucher is valid and including or concatenating that time code with the contextual data, either before or after that contextual data has been encrypted;

c) signing the contextual data and time code cryptographically using either a symmetric or asymmetric secret key or keys to generate a signature, in order to prove the origin issuer and time code at the point of generation;

d) providing the contextual data and time code and/or the signature on a voucher, such as a printed voucher or as a virtual voucher shown on or provided using a computing device, such as a smartphone;

e) validating the voucher offline at a validating system, without having on-line access to the server or other device that cryptographically signed the contextual data by means of comparing the signature in a process using a locally stored key shared with the server or other device that encrypted the contextual data.

2. The method of claim 1 including the step of updating the voucher with an up-to-date time code, and including a time-frame either in the contextual data or the validating system to define for what period after time code generation and subsequent signing the voucher should be accepted.

3. The method of claim 2 in which the voucher is updated as regularly as the method of presentation allows, and which includes never updating the voucher.

4. The method of claim 1 in which the validating system performs the following steps:

(i) extracting or re-generating the contextual data for a valid voucher without using the signed contextual data carried by the voucher itself and then (ii) signing that extracted or re-generated contextual data and then (iii) comparing that signature with the signature shown on or provided using the voucher.

5. The method of claim 1 in which the contextual data is signed with a private key and the validation system verifies the signature using a corresponding public key and compares that with pre-stored data.

6. The method of claim 1 in which the validation system comprises a human operator viewing the signature as represented in a human-readable form and comparing that with a previously supplied “

model”

signature that defines a valid voucher.

7. The method of claim 1 in which, in the event that the presentation medium lacks the capacity to show both the signature, full contextual data and time code, the signature is shown on its own and if the signature of the contextual data generated by the validating system, matches that shown on or provided by the voucher, then the goods or services defined by the contextual data are provided to the end-user.

8. The method of claim 1 in which the span of time for the time code is a time sufficient to account or compensate for drift or inaccuracy in the clock of the system that generates the time code and also the clock of the system that validates the code.

9. The method of claim 1 in which the validation system includes or accesses a time clock and validates the voucher only if the time code extracted from the voucher is presented within a pre-set time period as determined by that time clock.

10. The method of claim 1 in which the validation system extracts or re-generates the contextual data by using data in the clear and included on the voucher.

11. The method of claim 1 in which the validation system extracts or re-generates the contextual data by iterating through currently valid combinations.

12. The method of claim 1 in which a virtual voucher is provided on the computing device using a short-range wireless system, such as NFC.

13. The method of claim 1 in which the server generating the signature and the validation system that independently generates its own signature both use the same, shared symmetric encryption key or pair or asymmetric encryption keys.

14. The method of claim 1 in which the contextual data defines one or more of:

a product code;

a location code;

metadata relating to the product or service being offered;

identifying information regarding a customer;

a code identifying the issuer or retailer.

15. The method of claim 1 in which the resulting data, comprising a signature, optionally including the contextual data, for a voucher is a numeric or alphanumeric code the end-user enters into a keypad at the validation system.

16. The method of claim 1 in which the resulting data for a voucher is a bar code, such, as a 1D or 2D bar code that is scanned by the a scanner at the validation system.

17. The method of claim 1 in which the voucher is a transportation ticket.

18. The method of claim 1 in which the voucher is a car wash voucher.

19. The method of claim 1 in which the voucher is for a cycle hire scheme.

20. The method of claim 1 in which the voucher is for a proof of purchase for a digital payment.

21. The method of claim 1 in which the voucher is a ticket for an event, such as a concert, cinema or sporting event or other kind of event.

22. The method of claim 1 in which the voucher is to collect goods, such as food or drink or other items, ordered on-line.

23. The method of claim 1 in which the voucher is displayed by a smartphone app.

24. The method of claim 1 in which the voucher is displayed by a messaging app.

25. A system for generating and validating a voucher that is used to enable an end-user to obtain goods or services;

the system including one or more computers each running one or more processors programmed to;

a) generate or acquire contextual data that describes the goods or services and then encrypting that contextual data;

b) generate a time code corresponding to or representing a span of time during which the voucher is valid and including or concatenating that time code with the contextual data, either before or after that contextual data has been encrypted;

c) sign the contextual data and time code cryptographically using either a symmetric or asymmetric secret key or keys to generate a signature, in order to prove the origin issuer and time code at the point of generation;

d) provide the contextual data and time code and/or the signature on a voucher, such as a printed voucher or as a virtual voucher shown on or provided using a computing device, such as a smartphone;

and the system further includes a validating system including one or more computers each running one or more processors programmed to validate the voucher offline, without having on-line access to the server or other device that cryptographically signed the contextual data by means of comparing the signature in a process using a locally stored key shared with the part of the system that encrypted the contextual data and provided the voucher.

26. A voucher generated and validated using a method of generating and validating the voucher that is used to enable a end-user to obtain goods or services;

the method comprising the steps of;

(a) generating or acquiring contextual data that describes the goods or services and then encrypting the contextual data at a server or other device;

(b) generating a time code corresponding to or representing a span of time during which the voucher is valid and including or concatenating that time code with the contextual data, either before or after that contextual data has been encrypted;

(c) signing the contextual data and time code cryptographically using either a symmetric or asymmetric secret key or keys to generate a signature, in order to prove the origin issuer and time code at the point of generation;

(d) providing the contextual data and time code and/or the signature on a voucher such as a printed voucher or as a virtual voucher shown on or provided using a computing device, such as a smartphone;

(e) validating the voucher offline at a validating system, without having on-line access to the server or other devices that cryptographically signed the contextual data by means of comparing the signature in a process using a locally stored key shared with the server or other device that encrypted the contextual data.