Method for electronic merchandise dispute resolution

• US 5,878,139 A
• Filed: 10/16/1996
• Issued: 03/02/1999
• Est. Priority Date: 04/28/1994
• Status: Expired due to Term

• Current Assignee: Citibank NA (Citigroup Incorporated)
• Original Assignee: Citibank NA (Citigroup Incorporated)
• Inventors: Rosen, Sholom S.
• Primary Examiner(s): Barron, Jr., Gilberto
• Application Number:
  US08/774,248
• Time in Patent Office: 867 Days
• Field of Search: 380/4, 380/24, 380/49, 705/24, 705/26, 902/2
• US Class Current: 705/75
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• 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 20/085 involving remote charge determination or related payment systems
• CPC Class Codes: G06Q 20/0855 involving a third party
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/209 Specified transaction journal output feature, e.g. printed receipt or voice output
• CPC Class Codes: G06Q 20/26 Debit schemes, e.g. "pay now"
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/3676 Balancing accounts
• CPC Class Codes: G06Q 20/3678 e-cash details, e.g. blinded, divisible or detecting double spending
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/383 Anonymous user system
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/401 : Transaction verification
• CPC Class Codes: G06Q 30/06 : Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0601 : Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 50/188 : Electronic negotiation
• CPC Class Codes: G07F 17/16 : for devices exhibiting advertisements, announcements, pictures or the like
• CPC Class Codes: G07F 7/0866 : by active credit-cards adapted therefor G07F7/1008 takes precedence
• CPC Class Codes: H04L 2209/42 : Anonymization, e.g. involving pseudonyms
• CPC Class Codes: H04L 2209/56 : Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 63/123 : received data contents, e.g. message integrity
• CPC Class Codes: H04L 9/3213 : using tickets or tokens, e.g. Kerberos network architectures or network communication protocols for entities authentication using tickets in a packet data network H04L63/0807
• CPC Class Codes: H04L 9/3247 : involving digital signatures
• CPC Class Codes: H04L 9/3263 : involving certificates, e.g. public key certificate [PKC] or attribute certificate [AC]; Public key infrastructure [PKI] arrangements network architectures or network communication protocols for supporting authentication of entities using certificates in a packet data network H04L63/0823

Abstract

A system for open electronic commerce having a customer trusted agent securely communicating with a first money module, and a merchant trusted agent securely communicating with a second money module. Both trusted agents are capable of establishing a first cryptographically secure session, and both money modules are capable of establishing a second cryptographically secure session. The merchant trusted agent transfers electronic merchandise to the customer trusted agent, and the first money module transfers electronic money to the second money module. The money modules inform their trusted agents of the successful completion of payment, and the customer may use the purchased electronic merchandise.

Claims

1. A method for resolving a dispute over electronic merchandise utilizing a customer trusted agent, a first host processor, a merchant trusted agent, and a second host processor, comprising the steps of:

(a) establishing a cryptographically secure session between said customer trusted agent and said merchant trusted agent;

(b) said customer trusted agent sending transaction log data to said first host processor for choice of a dispute corresponding to an electronic ticket stored in said customer trusted agent;

(c) said first host processor sending dispute information to said customer trusted agent;

(d) said customer trusted agent sending a copy of said electronic ticket and said dispute information to said merchant trusted agent, via said cryptographically secure session;

(e) said merchant trusted agent validating said electronic ticket;

(f) said merchant trusted agent sending said electronic ticket and said dispute information to said second host processor;

(g) deciding to deny said dispute relating to said electronic ticket and said dispute information;

(h) said second host processor sending a dispute denied message to said merchant trusted agent;

(i) said merchant trusted agent reporting said dispute denied message to said customer trusted agent;

(j) said customer trusted agent committing; and

(k) said merchant trusted agent committing.

2. The method of claim 1, wherein step (j) includes the substep of logging the dispute denied transaction.

3. The method of claim 1, further comprising the steps of:

said customer trusted agent sending an electronic object corresponding to said electronic ticket to said merchant trusted agent;

validating said electronic object;

decrypting said electronic object using said electronic ticket; and

sending said decrypted electronic object to said second host processor for defect testing.

4. The method of claim 3, wherein said electronic object is a movie.

5. The method of claim 3, wherein said electronic object is computer software.

6. A method for resolving a dispute over electronic merchandise utilizing a customer trusted agent, a first host processor, a merchant trusted agent, and a second host processor, comprising the steps of:

(a) establishing a first cryptographically secure session between said customer trusted agent and said merchant trusted agent;

(b) said customer trusted agent sending transaction log data to said first host processor for choice of a dispute corresponding to an electronic ticket stored in said customer trusted agent;

(c) said first host processor sending dispute information to said customer trusted agent;

(d) said customer trusted agent sending a copy of said electronic ticket and said dispute information to said merchant trusted agent, via said first cryptographically secure session;

(e) said merchant trusted agent validating said electronic ticket;

(f) said merchant trusted agent sending said electronic ticket and said dispute information to said second host processor;

(g) deciding not to deny said dispute relating to said electronic ticket and said dispute information; and

(h) initiating a customer refund.

7. The method of claim 6, wherein step (h) includes the steps of:

said second host processor sending a message to said first host processor requesting customer resolution;

said first host processor informing said customer trusted agent that said customer resolution is a refund; and

said customer trusted agent sending a refund request to said merchant trusted agent, via said first cryptographically secure session.

8. The method of claim 7, further including the steps of:

establishing a second cryptographically secure session between a first money module associated with said customer trusted agent and a second money module associated with said merchant trusted agent;

said customer trusted agent providing first refund payment information to said first money module and said merchant trusted agent providing second refund payment information to said second money module; and

said second money module transferring electronic money in an amount consistent with said refund payment information, to said first money module via said second cryptographically secure session.

9. The method of claim 7, further including the steps of:

said merchant trusted agent sending a refund payment amount to said customer trusted agent via said cryptographically secure session;

said customer trusted agent sending a payment credential to said merchant trusted agent via said cryptographically secure session;

said merchant trusted agent validating said payment credential;

said merchant trusted agent sending said payment credential and said refund payment amount to an authorization network for refund authorization;

said merchant trusted agent receiving a refund authorization; and

said merchant trusted agent sending a refund authorization message to said customer trusted agent via said cryptographically secure session.

10. The method of claim 6, further comprising the steps of:

said customer trusted agent sending an electronic object corresponding to said electronic ticket to said merchant trusted agent;

validating said electronic object;

decrypting said electronic object using said electronic ticket; and

sending said decrypted electronic object to said second host processor for defect testing.

11. The method of claim 6, further comprising the steps of said merchant and customer trusted agents committing.

12. The method of claim 11, wherein the merchant and customer trusted agents non-provisionally maintain transaction log data after said committing steps.

13. A method for resolving a dispute over electronic merchandise utilizing a customer trusted agent, a first host processor, a merchant trusted agent, and a second host processor, comprising the steps of:

establishing a cryptographically secure session between said customer trusted agent and said merchant trusted agent;

said customer trusted agent sending transaction log data to said first host processor for choice of a dispute corresponding to an electronic ticket stored in said customer trusted agent;

said first host processor sending dispute information to said customer trusted agent;

said customer trusted agent sending a copy of said electronic ticket and said dispute information to said merchant trusted agent, via said cryptographically secure session;

said merchant trusted agent validating said electronic ticket;

said merchant trusted agent sending said electronic ticket and said dispute information to said second host processor;

deciding not to deny said dispute relating to said electronic ticket and said dispute information;

said merchant trusted agent requesting new electronic merchandise from a merchandise server;

said merchandise server sending new merchandise to said merchant trusted agent; and

said merchant trusted agent sending said new merchandise to said customer trusted agent via said cryptographically secure session.

14. The method of claim 13, further comprising the steps of:

said customer trusted agent sending an electronic object corresponding to said electronic ticket to said merchant trusted agent;

validating said electronic object;

decrypting said electronic object using said electronic ticket; and

sending said decrypted electronic object to said second host processor for defect testing.

15. The method of claim 13, further comprising the steps of said merchant and customer trusted agents committing.

16. The method of claim 14, wherein the merchant and customer trusted agents non-provisionally maintain transaction log data after said committing steps.

17. A system for resolving a dispute over electronic merchandise, comprising:

a tamper-proof customer trusted agent;

a tamper-proof merchant trusted agent that communicates with said customer trusted agent via a cryptographically secure session;

a trusted server;

where said merchant trusted agent sends electronic merchandise to said customer trusted agent via said cryptographically secure session, and said merchant trusted agent records a purchase transaction in its transaction log;

where said customer trusted agent receives and validates said electronic merchandise and records said purchase transaction in its transaction log;

where said customer and merchant trusted agents communicate to execute a first dispute protocol, and when said dispute is denied an indication of denial is recorded in said customer trusted agent'"'"'s transaction log; and

where said customer trusted agent communicates with said trusted server to execute a second dispute protocol when the customer is not satisfied with the result of the first dispute protocol with the merchant.