Electronic payment system

• US 6,516,996 B1
• Filed: 03/17/2000
• Issued: 02/11/2003
• Est. Priority Date: 09/25/1997
• Status: Expired due to Fees

• Current Assignee: Nokia Networks (Nokia Corporation)
• Original Assignee: Nokia Networks (Nokia Corporation)
• Inventors: Hippeläinen, Lassi
• Primary Examiner(s): Lee, Michael G.
• Assistant Examiner(s): Kim, Ahshik
• Application Number:
  US09/527,979
• Time in Patent Office: 1,061 Days
• Field of Search: 235/379, 235/380, 235/382
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G07G 5/00 Receipt-giving machines cash registers giving receipts G07G1/00

Abstract

Equipment and method for acknowledging a transaction in an electronic payment system, comprising first processing means for providing electronic receipts corresponding to payments, second processing means for receiving said receipts, and transfer means for transferring said receipts between the first and second processing means. Said electronic receipt or part of it is encrypted with a public-key algorithm by using the payee'"'"'s private key as an encryption key, and a receipt is decrypted with a public-key algorithm by using the payee'"'"'s public key as s decryption key. If a recipient of the receipt wants to be convinced of the authenticity of the receipt, he decrypts the encryption by means of the payee'"'"'s public key. Digital encryption with the payee'"'"'s private key certifies the origin of the receipt undeniably. As long as the receipt is in encrypted form, it cannot be read without exactly knowing the payee, and counterfeiting of the receipt is impossible. An electronic receipt can be easily read and transferred between different destinations.

Claims

1. An electronic payment system comprising:

first payment means for making payments in electronic form,

first processing means for generating electronic receipts corresponding to received payments, the first processing means being arranged to encrypt the electronic receipt to be generated or part of it, if necessary, with a public-key algorithm by using the payee'"'"'s private key as an encryption key, wherein an electronic receipt which is partly of completely encrypted does not contain unencrypted identification data on the payee,

second processing means for receiving said receipts, the second processing means being arranged to decrypt a received receipt with a public-key algorithm by using the payee'"'"'s public key as a decryption key, and

transfer means for transferring said receipts between the first and second processing means and the first payment means, wherein

the first processing means are arranged to transfer the generated electronic receipts to the first payment means in response to the payments made by means of the transfer means, and the first payment means are arranged to transfer one or more of said receipts to the second processing means by means of the transfer means, and

when transferring one or more of said receipts to the second processing means, the first payment means are arranged to transfer with the receipts only the payee'"'"'s identification data related to the receipts that the second processing means are entitled to decrypt.

2. The electronic payment system as claimed in claim 1, wherein said second processing means are arranged to transfer a sum corresponding to the received and decrypted electronic receipt to said first payment means, if necessary.

3. The electronic payment system as claimed in claim 1, wherein said first processing means comprise the seller'"'"'s cash system, and said second processing means comprise the cash system of the final recipient of the receipt.

4. The electronic payment system as claimed in claim 3, wherein said first payment means comprise a memory card or a smart card, and said transfer means comprise read/write interfaces of the cards related to cash systems.

5. The electronic payment system as claimed in claim 3, wherein said first payment means comprise a mobile station, and said transfer means comprise at least one of the following:

a mobile communication network related to the mobile station, public data network, local area network related to said first or second processing means.

6. The electronic payment system as claimed in claim 5, wherein said transfer means also comprise a short message service centre connected to the mobile communication network for transferring electronic receipts to the mobile station by means of a short message service.

7. The electronic payment system as claimed in claim 1, wherein the system comprises at least one certification authority for maintaining public keys of the units connected to the system.

8. The electronic payment system as claimed in claim 7, wherein one or more of the units connected to the system maintain a certification authority of their own.

9. The electronic payment system as claimed in claim 1, wherein said first processing means are arranged to enter transactions in a log and include an identifier on the basis of which a transaction can be retrieved from said log in the part of the electronic receipt to be encrypted.

10. The electronic payment system as claimed in claim 9, wherein said first processing means are arranged to include a part showing the paid sum in the encrypted part of the electronic receipt.

11. A method for acknowledging a transaction in an electronic payment system comprising first payment means for making payments in electronic form, first processing means for providing electronic receipts corresponding to payments, second processing means for receiving said receipts, and transfer means for transferring said receipts between said first and second processing means and the first payment means, the method comprising:

encrypting said electronic receipts or parts of them in the first processing means with a public-key algorithm by using the payee'"'"'s private key as an encryption key, wherein an electronic receipt which is partly or completely encrypted does not contain unencrypted identification data on the payee,

transferring the encrypted electronic receipts from the first processing means to the first payment means,

transferring one or more of said receipts from the first payment means to the second processing means in such a way that only the payee'"'"'s identification data related to the receipts that the second processing means are entitled to decrypt are transferred with the receipts, and

decrypting receipts in the second processing means with a public-key algorithm by using the payee'"'"'s public key as a decryption key.

12. The method as claimed in claim 11, wherein a sum corresponding to the received and decrypted electronic receipt is transferred to said first payment means.

13. The method as claimed in claim 12, wherein the electronic receipt is transferred in the mobile communication system by means of a short message service.

14. The method as claimed in claim 11, wherein transactions are entered in a log and the identifier which is provided by said first processing means and on the basis of which the transaction can be retrieved from said log is included in the part of the electronic receipt to be encrypted.

15. The method as claimed in claim 14, wherein a part showing the paid sum is included in the encrypted part of the electronic receipt.