Method for effecting an electronic payment transaction having a variable number of payment units, as well as payment means and system for applying the method

• US 5,739,511 A
• Filed: 05/13/1996
• Issued: 04/14/1998
• Est. Priority Date: 05/11/1995
• Status: Expired due to Fees

• Current Assignee: Koninklijke KPN NV
• Original Assignee: Koninklijke Philips N.V.
• Inventors: Pedersen, Torben P.
• Primary Examiner(s): Hajec, Donald T.
• Assistant Examiner(s): Le, Thien Minh
• Application Number:
  US08/644,949
• Time in Patent Office: 701 Days
• Field of Search: 235/486, 235/380, 235/382, 235/379, 235/375, 235/492, 235/487, 340/825.31-825.35
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/06 Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
• CPC Class Codes: G06Q 20/29 characterised by micropayments
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/4093 Monitoring of device authentication
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

The invention relates to a method for protected payment with electronic payment device, such as "intelligent" payment cards ("smart cards"), in a variable number of steps. In this connection, use is made of a non-reversible function, of which successive function values are provided by the payment device to the payment station in question by way of proof of payment. On the basis of these function values, there may take place both a verification and a determination of the number of steps. Such method finds application, e.g., in public telephones and in copiers. The invention further relates to a payment device and a payment system for applying the method.

Claims

1. Method for effecting a payment transaction with an electronic payment means and a payment station, comprising the issuing by the payment means to the payment station of at least a first payment value, payment values being representative for one or more payment units to be settled, each subsequent payment value being related to the first payment value by a one-way function in such a manner that the first payment value may be obtained from a further payment value by repeatedly applying the function.

2. Method according to claim 1, wherein the payment station, after receipt of a payment value, checks by applying the function whether the payment value received is correct.

3. Method according to claim 1, wherein the payment station, after receipt of a payment value, determines by applying the function how many payment units the payment value received represents.

4. Method according to claim 1, wherein authentication data is transferred together with at least the first payment value from the payment means to the payment station.

5. Method according to claim 1, wherein the payment station, after receipt of a payment value, transfers a debit value to the payment means.

6. Method according to claim 5, wherein debit values are used, directly after receipt by the payment means, for debiting a balance.

7. Method according to claim 5, wherein debit values, after receipt by the payment means, are collected and, at the end of the payment transaction, are used for dehiring a balance.

8. Method according to claim 5, wherein a count value is transferred, together with the debit value, from the payment station to the payment means, which count value represents the number of payment units to be debited.

9. Method according to claim 8, wherein the count value is related to the number of times the one-way function has been applied.

10. Method according to claim 8, wherein the count value amounts to one.

11. Method according to claim 1, wherein the payment values issued are used as proof in a settlement process to be carried out later.

12. Payment means provided with an integrated circuit, the integrated circuit comprising a micro-processor and a memory, the micro-processor being programmed for effecting a payment transaction in which the payment means interacts with a payment station, a transaction comprising the issuing by the payment means to the payment station of at least a first payment value, payment values being representative for one or more payment units to be settled, each subsequent payment value being related to the first payment value by a one-way function in such a manner that the first payment value may be obtained from a further payment value by repeatedly applying the function.

13. System for electronic payments, comprising an electronic payment means, a payment station and a settlement station, the system being designed for effecting a payment transaction comprising the issuing by the payment means to the payment station of at least a first payment value, payment values being representative for one or more payment units to be settled, each subsequent payment value being related to the first payment value by a one-way function in such a manner that the first payment value may be obtained from a further payment value by repeatedly applying the function.